I’m Going To Get Sued For This | Financial Audit

Summary

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Episode Overview

Podcast: Financial Audit
Host: Caleb Hammer
Episode Title: I’m Going To Get Sued For This | Financial Audit
Release Date: May 29, 2026

Main Theme:
This episode dives into the personal and financial struggles of Jade, a 28-year-old barber from Denver, Colorado. The conversation explores Jade's chaotic employment history, tumultuous financial habits, her struggles with debt, and her frequent claims of victimhood. It’s classic “Financial Audit” in tone—a blunt, sometimes abrasive, but revealing examination of personal accountability, or lack thereof, and how financial decisions intersect with personal narratives.

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Key Discussion Points & Insights

1. Jade’s Job Loss and Income Instability

• Jade’s Background: Barber from Denver, recently fired, claims to have multiple freelance clients ready to go but has yet to start.
• Understanding her Pay: Caleb expresses frustration that Jade can't clearly state her income, reflecting poor financial tracking.
  • “I do not know how to go through the rest of this conversation without a number I can put down for how much you make.” — Caleb (03:05)
• Reasons for Firing: Jade blames her firing on discrimination, workplace politics, and her manager’s jealousy over her appearance.

Notable Exchange:

• Caleb: “You told Lindsay that you thought your manager was jealous because you think you're better looking. And the manager is a natural born woman.” (00:35)
• Jade: “She's jealous that I'm a hot tranny.” (00:43)
• Caleb: “I don't think that's me getting you fired. I think that's you getting...”
• Jade: “She thinks I have an attitude.” (04:46)

2. Victim Mentality vs. Personal Accountability

• Host’s Frustration: Caleb consistently highlights Jade’s tendency to blame external factors for her problems—be it workplace discrimination, coworkers, the hotel staff, or even Caleb himself.
• Claims of Discrimination: Jade offers various, sometimes shifting, reasons for her negative experiences, none of which she can substantiate clearly.
• Caleb: “So you think you're fired because you were hotter for being not natural while she's natural and not as hot?” (11:17)
• Jade: “That's one of the reasons.” (11:19)
• Caleb accuses Jade repeatedly of refusing to take responsibility.
  • “It's always someone else's fault. You are incapable of life. Wow, it's pathetic. Take some ownership, you creature.” (79:17)
• Episode Tone: The back-and-forth is edgy, combative, and at times, harsh, with both sarcasm and biting humor.

3. Hotel Incident: An Example of Shifting Narratives

• Jade’s Account: Claims victimhood after getting kicked out of a hotel due to lack of hot water and alleged rude staff.
• Verification: Caleb calls the hotel live on air.
  • Hotel staff confirm Jade was disruptive, used foul language, and tried to “milk the system” for a free stay. (29:12–31:36)
• Takeaway: Repeated inability to provide credible, consistent stories undermines Jade’s claims of mistreatment.

4. Financial Habits and Debt

• Chaotic Money Management:
  • Multiple unpaid credit cards, some in collections, high-interest car loan (20%), and no emergency fund.
  • Spends impulsively on collectibles (Bratz dolls), tattoos ($20–$50K spent), and lifestyle purchases (weed, DoorDash, subscriptions).
  • “You used to make $60,000 a year and couldn’t pay a $60 minimum credit card payment?” — Caleb (58:35)
• Government Assistance:
  • Jade’s breast augmentation was covered by Colorado taxpayers (“I did abuse the system because why would I pay for it if I can get it for free?” — Jade, 63:56)
  • Plans to apply for Medicaid after losing her job.
• Income Plan: Relying on “simps”/men who give her money online and friends’ couches in New Jersey.

5. Sugar Daddies, Freelancing, and Delusions of Financial Security

• Income Sources:
  • Vague plans to freelance as a barber, move across the country, live off the generosity of others online, and take advantage wherever possible.
  • Jade boasts: “I have simps that just like giving me [money].” (39:26)
  • Caleb tries to verify Jade’s claims, even prompting her to request $500 from a contact live; the source balks at the amount. (46:33–49:10)
• Disconnection from Reality:
  • Caleb challenges Jade's assertions that clients will fly cross-country just for a haircut. (34:10)
  • “You’re delusional.” — Caleb (34:27)

6. Escalating Debts and Self-Sabotage

• Major Debts
  • $25,000+ on a 20% car loan for a Jeep Wrangler (73:13)
  • Multiple credit cards maxed and behind on payments
  • Collections: Verizon ($3,243), Progressive (auto insurance, $420), Geico ($68), tolls ($1,600), urgent care ($1,800)
  • Jade struggles to recall or take responsibility for most of these amounts.
• Spending Choices:
  • Echoes of “having fun” over saving or stability
  • “We're not promised tomorrow. Why should I have to worry about all that?” — Jade (58:48)
• Host’s Diagnosis:
  • “You're a literal, pathetic failure that blames everything on everything around [you].” — Caleb (55:03)

7. Systemic Critiques and Pop Culture

• Subtext:
  • The episode is littered with references to trans issues, U.S. tax policies, government-funded healthcare, and the host's own (often libertarian) skepticism of welfare fraud and victim narratives.
  • “This show's turning me into a libertarian. I'm ready to cut everything by 90%.” — Caleb (65:55)

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Notable Quotes & Memorable Moments

• Caleb, exposing inconsistencies:

  • "You are a goalpost pusher the moment you get any kind of pushback, but go ahead. Well, story changes at all times. Continue." (25:14)

• When calling out lack of accountability:

  • “You truly did become a woman, didn’t you?” — Caleb, referencing the stereotype of blaming others (13:31)

• On government-funded surgeries:

  • Caleb: "The government. The taxpayers paid for your tits."
  • Jade: “I pay taxes too, so some of my…”
  • Caleb: “You're not a net contributor. No, we just sent you $4,000 back.” (64:07–64:09)

• Hotel incident live phone call:

  • Tina (hotel staff): “Her guest used foul language towards [the manager] several times and he asked her to stop and she continued. So he asked them to leave.” (30:14)
  • Caleb (to Jade): "You're not a victim, you're a liar. And I don't believe anything you've said about any allegations in the past about anyone around you." (31:50)

• On her approach to finances:

  • Jade: “Because I buy things.”
  • Caleb: “There you go. Because you're prioritizing fun what you want.” (58:40–58:42)

• On her collection habits:

  • Jade: “I'm creating generational wealth, dude.”
  • Caleb: “Your generation? Generation? Well, tell me, how much does it cost?” (54:25–54:35)

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Important Timestamps

• 03:05: Jade can’t state her income; host demands clarity
• 11:17–13:31: Debates on victimhood, manager jealousy, and personal accountability
• 29:12–31:36: Call with hotel staff exposes Jade’s behaviour and holes in her story
• 34:10: Host challenges Jade’s belief clients will travel cross-country for haircuts
• 39:26–49:10: Sugar daddy claims tested, live attempt to source $500 from an online friend
• 55:03: Caleb directly calls Jade a failure who blames others for everything
• 58:35: Jade admits to making $60K/year and still missing bill payments
• 63:56: Jade openly says she “abused the system” to get taxpayer-funded surgery
• 73:13: Discussion of egregious 20% interest car loan
• 79:17: Jade deflects responsibility for bills/collections again
• 91:27–91:49: Hammer Financial Score assessment (Jade scores 0/10 across most categories)

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Financial Breakdown

• Income:

  • Uncertain; no freelancing income yet, tips potentially underreported, reliant on government assistance, and “simps”

• Major Debts:

  • $25,000+ at 20% (Jeep)
  • Multiple credit cards maxed/overdue
  • Utilities, collections, past due rent

• Monthly Commitments:

  • Rent: $1,600
  • Minimum debt payments: $1,513
  • Bare financial survival needs exceed $3,600/month (90:17)

• Spending Habits:

  • Impulsive purchases on Bratz dolls, weed, food delivery, tattoos ($20–$50k total)
  • Overdrafts, subscription overload, and poor bill management

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Host's Final Assessments & Labels

• Objectively failing on all financial metrics:
  • "You need $3,675.13 for minimum survival. Right now you make zero." (90:17)
• Hammer Financial Score: 0/10 in most categories
• Conclusion: Jade’s lifestyle is unsustainable, and her repeated claims of discrimination and misfortune are unconvincing to the host, who sees her as the architect of her misfortune.

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Overall Tone & Takeaway

The episode is a raw, sometimes crass, and confrontational look at the consequences of blame-shifting and poor money management. Caleb's signature style is on full display: little patience for excuses, relentless pursuit of accountability, with humor and pop culture references to deflate overly dramatic claims. Jade serves as a cautionary tale of financial self-sabotage, and the dangers of adopting a perpetual victimhood mindset while neglecting personal responsibility.

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For further details, see key segments at:

• Job loss & attitude: 03:05–08:46
• Hotel debacle: 29:12–31:36
• Sugar daddies & income claims: 39:26–49:10
• Debt breakdown: 73:13–80:59
• End assessment: 91:27–91:49

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Memorable moment:

• Caleb (after hotel call): “You’re not a victim, you’re a liar. And I don't believe anything you've said about any allegations in the past about anyone around you. You're a bad person.” (31:50)

Summary:
If you’re looking for a classic “Financial Audit” episode packed with drama, tough love, and no-holds-barred advice, this is it. Caleb skewers Jade’s excuses while trying to draw attention to the roots of persistent financial instability: personal responsibility—or the lack thereof.

Transcript

[A]

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[B]

To watch episodes of Financial Audit a week earlier, check us out on YouTube. Just work, dude. Just work.

[A]

I give a. I took the client well.

[B]

You told Lindsay that you thought your manager was jealous because you think you're better looking. And the manager is a natural born woman.

[A]

She's jealous that I'm a hot tranny.

[B]

Your right eye is further from your nose than your left eye. But why were you here at 8am this morning? Because you got kicked out of your hotel that we sent you to, you little freak. We sent everyone to like, the same few hotels. You're the first one to get kicked out. But no, no, no. You got tits as well.

[A]

Those were pre.

[B]

No. How is it free?

[A]

Colorado taxpayers? Why would I pay for it if I can get it for free?

[B]

June 1st, I'm launching the Hammer Elite app, available on every major platform. Join the waitlist by using the link in the description or pinned comment down below to get a never before seen Financial Audit video and then an exclusive for you. You'll get lifetime access to the entire Hammer Elite catalog and our Hammer for Lifebox packed with limited edition merch. So mark your calendar June 1st. This is the best membership you'll ever join, and that is a promise.

[A]

I'm Jade. I'm 28 from Denver, Colorado, and you're watching Financial Audit.

[B]

Yes, you are. And you're on it. Thanks for coming over to Austin.

[A]

You're welcome.

[B]

What are you doing Denver for a living?

[A]

I'm a barber. Cut hair, you know, do men's hair.

[B]

Okay.

[A]

Like that, you know.

[B]

Thoughts?

[A]

Turn around. I think you kind of need a haircut and your neckline's kind of.

[B]

I need a haircut.

[C]

Yes.

[A]

It's going. Yeah. Tell your barber not to block off your neckline. You look like a little boy.

[B]

Little boy.

[A]

Little boy.

[B]

Okay.

[A]

It just looks cleaner when you, like, taper it, you know.

[B]

Well, she said I was hotter in person, so I guess then to the

[A]

little boys, I said, cuter. Cuter.

[B]

That's what you want to hear when you little boys.

[A]

No, hear me out. You will tell kids that they're cute. You don't tell Kids that they're hot.

[B]

So, barber.

[A]

Yeah. Yeah.

[B]

Very good. What do you make?

[A]

Well, I don't. I don't really know. It depends.

[B]

Okay, well, you know, that's a barber. First question, financial.

[A]

I'm a tip.

[B]

Okay, very good. How much you make on average from your tips and then commission and. And then you're hourly. You combine and figure.

[A]

I know. If I knew, do you think I'd be here?

[B]

Yes, because most people know what they make and they're still. I do not know how to go through the rest of this conversation without a number I can put down for how much you make.

[A]

I guess it's on.

[B]

I don't know how reliable the. Okay, what's your hourly?

[A]

It would be 1250 an hour. Best commission.

[B]

That commission better be good because 1250 an hour in Denver ain't going to do shit.

[A]

Well, no. Yes, but I have my own apartment, so must be doing something.

[B]

Most people can get their own apartment.

[A]

Not without roommates.

[B]

No, you can get an apartment. I mean they'll paying for it.

[A]

I'm not evicted. There's no evicted.

[B]

Is that the. Do you want a round of applause for this?

[A]

Like, kinda.

[B]

Okay, well, you're not gonna get it. That's a basic shit. And I see it behind the. Payment immediately on the first document. But we'll get into that. That's just what's in front of me. So I don't think there's too much to celebrate here. I'll be completely honest, but. Okay. So you're a barber, but you don't know how much you make. Great.

[A]

Well, a little bit.

[B]

What do you think? Commission, commission wise? Let's just try that. Okay, Wait, wait, wait. Actually, first, $12 an hour. How many hours do you work? Let's start there.

[A]

I don't know, 45 a week. I'm always being 45 a week.

[B]

That's pretty good.

[A]

Yeah, one of the top employees there.

[B]

Okay.

[A]

Until you got me fired.

[B]

You bragging? I don't know. I got you fired?

[A]

Yeah, you got me fired.

[B]

I have never been to Denver, so.

[A]

But your attitude, you know, I was watching you. And then I had a little incident with my manager. I don't know.

[B]

You're watching you fuck. Were you mimicking my attitude to your clients?

[A]

Kind of rubs. Not my clients. So my manager.

[B]

Did you tell your manager she was spending out of her budget?

[A]

No.

[B]

What was the what?

[A]

But your attitude. I wanted.

[B]

But when people are being bad. Was she being bad? I don't think that's me getting you fired. I think that's you getting.

[A]

She thinks I have an attitude.

[B]

Oh, wait, that means you do have an attitude problem, by the way. But mine.

[A]

Yeah, but it's deserved.

[B]

Well, I was gonna say mine comes from how the people act.

[A]

So does mine.

[B]

Yeah, but I don't know. You kind of came in here, like,

[A]

because I said that you were cute.

[B]

No, because you don't know. Because you don't know your pay. But now I think we do know your pay. Your pays. Zero. You got fired now.

[A]

Yeah, but I, you know.

[B]

Well, but that's income.

[A]

I'm gonna get on unemployment. I can find a job.

[B]

No, no, no, no. But if we're talking how much you make from this job. There is no job.

[A]

Well, I'm going to freelance. I have clients that want me.

[B]

Okay, so how much do you make from the clients that want you?

[A]

3, $4,000 for May. And that's not including. Okay, it's not including my tip cash.

[B]

Not including your tips, not cash.

[A]

There are no taxes.

[B]

3,000? No. Huh.

[A]

No tax on tips.

[B]

Depends your income level, but essentially, yeah. I mean, you'd be fine, but. You're right, but no, no, I'm talking about how the clients are paying you. Your clients. What are your clients? They paying you? In what way?

[A]

What do you mean?

[B]

Oh, my goodness. How are you collecting the payment through your cl. Where are you cutting your client's hair?

[A]

Oh, I don't know. I mean, it's not. It could be their.

[B]

This. Okay, this is going to be an impossible conversation.

[A]

I've thought about going.

[B]

So you do know I have ideas. Where did you. Where did you cut their hair in the $3,000 that you made?

[A]

Where was I before?

[B]

No, no, you said you made 3,000 directly from your own clients.

[A]

I'm going to.

[B]

Oh, you're. I said going to.

[A]

Yeah, we were just. Now.

[B]

Hey, where's this going to? Why aren't you now. Why is it going to instead of doing now?

[A]

I got fired and then I came.

[B]

When did you get fired?

[A]

Like a week ago.

[B]

It was your attitude.

[A]

Allegedly.

[B]

Okay, well, I don't think that's me, but why weren't you trying to make any money within the last week? I would have been freaking out trying to cut as much hair as possible.

[A]

Just let you know because I got my tax returns in, so I didn't needed to.

[B]

What did you get? Did you even claim everything properly? Who even knows?

[A]

Yeah, okay.

[B]

How much did you get? What did you get? That doesn't mean you claimed it properly.

[A]

How does it not?

[B]

What did you get back federally.

[A]

I got back close to 3,000, and I'm still waiting back from state.

[B]

Oh, you want to call the manager that fired you in the post show? Okay. Yeah. Cause she's okay. We probably will. I mean, I love a good fight. I don't think she's a c. You probably got fired. Cause I mean.

[A]

No, she is a.

[B]

What? What was her reason when she said you got fired?

[A]

You want the first incident or the incident that I technically got ruined?

[B]

Yes. If you just got fired, tell me. I need to know. I knew the whole thing. No, that's. Come on. That's not possible. Don't be a dick. Don't be a dick.

[A]

You were not there. I literally just said, okay. I had a client book last minute. Then he called and was like, hey, I'm gonna be late. Why are you gonna book appointment 10 minutes before something and then still be late? That's so stupid. So I was just making a comment about how that's annoying. No one was up there except for me, the front desk girl, and the manager. And my manager's like, yeah, it's annoying, but we can't change anything about it. Because I knew that policy already. Cause I've been there longer than her. I helped open that store. What is ego?

[B]

Just fucking work, dude. Just work.

[A]

I give a. I took the client,

[B]

Lindsay, that you thought your manager was jealous because you think you're better looking. And the manager is a natural born woman.

[A]

I don't care what she is.

[B]

But you. You said that to Lindsay.

[A]

Yeah, exactly. She's jealous that I'm a hot tranny. And she can be. She's Shrek and not human. Shrek.

[B]

Your right eye is further from your nose than your left eye. So I bet her proportions are normal. Fine. Let me see.

[A]

She has nemo Goobs.

[B]

I would rather have that than an eye that's trying to jump from my face.

[A]

Wow.

[B]

I mean, I'm just saying.

[A]

That is so rude.

[B]

Well, you were shitting on her. I'm gonna ship back. For what it's worth. I mean, if you're trying to talk about looks, I don't even care about the natural. Well, I mean, if I was like, shopping for you.

[A]

Shop for women. Wow. Male order bride.

[B]

Yeah, well, you know, capitalism plays into the kittens. But if I was looking for someone to. Huh?

[A]

I said it plays into the incel energy.

[B]

Incel energy? I have a girlfriend.

[A]

How much was she. I have to unblock her to find love.

[B]

But even still, even without the girlfriend, incel is involuntary celibate. I have never had an issue. Where's my incel energy? I even just called you. I called you by your preferred pronouns even. How am I possibly incel?

[A]

I don't know. I mean, you hate women.

[B]

No, I don't. I love women. In fact, I very beautiful talk about them.

[A]

The way you talk about their bodies and how you fake titties.

[B]

I hate fake titties. That's not anything. That's not anti woman. In fact, I like their natural titties. I love women in their natural state.

[A]

The way that you go on and on and on about it.

[B]

Fake titties. You're just assaulted because you got some fake titties because it couldn't grow them naturally.

[A]

Because I'm a skinny legend. If I was fat, maybe I could.

[B]

I do got some titties. That's true.

[A]

Yeah. Mine are prettier.

[B]

Mine jiggle.

[A]

So do mine. You want to see?

[B]

No. Absolutely. I do not. I do not. I've seen too many unconsensual tits on the show.

[A]

I talk about men's bodies too. It was no unconsensual.

[B]

Well, I know, but I'm saying I've seen too many unconsensual. I do. I. I rip dudes on their appearance all the time. The episode we just uploaded Yesterday with and his 80 VA cooking disability barely

[A]

mean to him, bro.

[B]

Barely mean to him?

[A]

Barely mean to him. What are you mean to women more so than you are to men?

[B]

I don't know. That sounds like you're like a weird terminally on bullsh. Terminally online bullshit. Because here's what we're dealing with here. Here's him. Lowest IQ in financial audit history class three on the thumbnail. Yes, we were so nice. Dude, you're just obsessed with being a victim. What are you talking about? We're just as mean to everyone. We get more women that come on the show. So we upload more women. You could say that. But we're just as mean. I'm just as mean specifically to everyone. I thought you were going to show me a picture of the person that's natural but better. Okay, well then I don't really give a. So you think you're fired because you were hotter for being not natural while she's natural and not as hot?

[A]

That's one of the reasons.

[B]

Okay, is it that or is it because you were a to her because you interviewed for the manager position and she got it over you?

[A]

Well, no, she was upset that she didn't get a party and no one

[B]

clapped or no, I think she fired you because you were a. Because you wanted the job. You didn't get it. She did. Yes, because you wanted the job.

[A]

No, no, no, I. Yeah, sure, I want a job because I've been there since day one.

[B]

But it doesn't matter. That's not how people get promoted. That. That is not how anyone.

[A]

I had more clients than her. I had more loyalty than her.

[B]

Loyalty. Loyalty from clients or loyalty to the business?

[A]

Both.

[B]

That's kind of hard to manage.

[A]

I was also a certified trainer, so I was training all the new people,

[B]

so, I mean, they probably see her as a better manager again, you do have an attitude.

[A]

Not when everyone hates her at work.

[B]

You have an attitude when it's deserved.

[A]

When she's coming at me, telling me that my health issues don't matter because she didn't feel appreciated at her manager.

[B]

What are you talking about? What even is that?

[A]

What do you mean, what is that?

[B]

Your health issues are an issue with her getting celebrated by being a manager. What the are you talking about?

[A]

I went to the urologist because I was pissing blood. I'm okay.

[B]

Well, did you cut it off?

[A]

No, I like sex so much.

[B]

That would have done it.

[A]

But then what?

[B]

Bleed. But either way, I don't know how that's connected to her not feeling happy of the celebration and lack thereof.

[A]

Well, I clapped. I told her congratulations in a nice way.

[B]

Let's just be honest.

[A]

I also rescheduled my appointment to be at that meeting for her to show myself.

[B]

Oh, goodness, what an amazing person. Let's just be very clear. You put it on her. Even just bringing up this being more mean to women thing than men, which is just objectively untrue. Unless you're weird, terminally online, Reddit brained. The thing is, you wanna put yourself in a victim category. I'm sure there'll be a third example here soon. You just. Everything is against you. Against the. You're an immediate victim out of the gate, and it's not a good look. You can't take any responsibility. In fact, number three, there it is. You said I'm the reason you got fired. You can't take any accountability. You really did become a woman, didn't you?

[A]

Well, that's the point, right? It's the whole point of being trans.

[B]

Okay, very good. So how the are you going to survive? We don't allow people to come on with a show with no income. But you must have got fired before you even got here, before you applied. Hey, you had to have. Okay, so what's going on. Okay. And then now even more, you're experiencing your discrimination while working there. Well, because no one decorated your station for your birthday. Shut the.

[A]

That's where it started.

[B]

You're not discriminated against. You're not a victim. You're in Colorado. No one gives a. No one cares. No one gives a shit that you're trans. Who cares?

[A]

I don't think it was because of that.

[B]

Then what? Were you discriminated against for? Because you're a woman? Is that what you're saying?

[A]

No, no, that's not what I'm saying.

[B]

Then what were you because you were white?

[A]

I'm not white. Actually, my grandmother's full blooded Cherokee and lived on the reservations.

[B]

Bitch. I got 25% native. You're white.

[A]

It's cause I live in Colorado.

[B]

What do you mean?

[A]

Go and try and tan it up.

[B]

Denver's still one of the sunnier cities.

[A]

Just because there's sun doesn't mean your skin could absorb the rays.

[B]

What?

[A]

Have you been to Colorado?

[B]

No, but I don't think that's what's required to understand altitude.

[A]

Uh huh.

[B]

Closer to the sun.

[A]

So either way, because there's less oxygen, your skin cannot absorb the UV rays or the sun.

[B]

Maybe that's true, maybe it's not. I don't really give a. What were you discriminated against? Is my question.

[A]

I just think that she's a MAGA supporting dumbass that fires every minority that has worked there.

[B]

You're not a minority. Well, I guess trans. But you said that's not even why you were fired.

[A]

I mean it might not be, but

[B]

your grandma being 1% native is why you were fired.

[A]

My grandma was 1% native. I said she was full blooded Cherokee and she lived on the reservations. Are you deaf? Maybe, but I need to speak louder.

[B]

I just have a hard time listening to this. I don't know, you're just kind of a bitch. You're kind of a. So it's difficult for me angry.

[A]

I got fired.

[B]

Yeah, but you said.

[A]

Now I'm freelancing and I am gonna have income. I already have income.

[B]

Well, what? That's what I asked at the first question. But either way you're discriminated against because you're. Let's do the math. 25% Indian like me. We're the same. Okay, that's why you were fired. You're saying you're discriminated because you're Indian?

[A]

I don't know.

[B]

Not because you're a bitch. Okay, what was your discrimination? No, if you're going to claim discrimination which might go legal.

[A]

I don't know. I really feel like she just did not like me and that has to play a part.

[B]

Cuz you're bad wig. Like what?

[A]

This is my hair.

[B]

Oh, and you cut hair.

[A]

You think my hair is bad? Let me see your hairline.

[B]

Okay.

[A]

Okay. Well, it's not that bad.

[B]

No, it's not bad at all. I just got a big side's a little. No, I'm getting a couple grays. But I'm just. I thought it was a wig.

[A]

No, you didn't.

[B]

No, I thought it was a wig.

[A]

Okay, you can keep telling yourself that, sweetie.

[B]

It's nothing to even tell myself. This is. I thought it was. That's fine. Now you've corrected me. Now I know it's not. It's okay. No, the discrimination thing, I just don't get it. Okay, so this is why no one believes anything anymore. You've ruined it. When people claim. Yeah, when people claim. People claim victimhood and discrimination. No one believes it because of people like you. Now you're just saying anyone can claim discrimination. But you can't even tell me what you're discriminated on. It's like yes, you're the reason, different things, but you can't give me anything. Tell me something.

[A]

Well, you said it was stupid that I didn't get my station decorated for, but they do it for everyone.

[B]

What was the discrimination? Why were you discriminated against specifically? You already said it was because you. Not because you were trans. You said she's mag or something. I don't know what that. What were you wearing? A Biden or a comma shirt? Ew.

[A]

No.

[B]

What the. What the. What the what you. So that has nothing to do with anything then. So what were you discriminated on? If you're going to claim that, if you're going to claim victimhood on everything. What were you discriminated?

[A]

I mean, it's hard to say. It could be the trans thing. It could be.

[B]

Then you weren't just shut the up.

[A]

It's just fishy that I was such a good worker to you. Client to you.

[B]

You thought everyone thinks they are.

[A]

That's why all my clients are pissed off that I'm not there anymore and they've all hit me up and I'm freelancing and I'm gonna have.

[B]

Yeah, maybe. But you're also the disgruntled former employee. That always happens to everyone who got fired. Welcome to every fired employee ever. It means nothing. You can't even claim discrimination. You try to say it was my fault, saying it's cause she's maga. You're saying it's because. Because she thinks you're prettier than her. The natural born in your words to Lindsay. I guess. I don't know. You keep. It's just so many different things. I don't know, you're victim and everything. No personal responsibility, no accountability. You throw to me and again, that just makes no sense. It's lining up with everything. I'm sure there'll be victimhood on this. You're saying I'm meaner to women. No, I mean her to you. Because you're a. Because you're a bitch. Because you're delusional. Because you're up just like the guy yesterday too. You're just a victim. Want to be victim? You can't describe anything. How did I get you fired? No. Cause my attitude.

[A]

No, you're a attitude rubbed off on me.

[B]

Yeah. And I don't treat people like that.

[A]

Yes, you do. You were talking on this show also like shit.

[B]

On the show that you signed up for. Yes. I'm saying to my manager, to my boss, anytime I've ever been in those situations. No to a police officer getting pulled over. No, I know when to and when not to. You're just. You don't know how to. What do you mean?

[A]

Coming at you like in a condescending night.

[B]

Tell me, tell me.

[A]

Well, she's coming at me with attitude. Like when I said when I told her okay, she was like, it had this about it.

[B]

You're probably like, okay.

[A]

I just said okay, and I walked away.

[B]

Doubt it. Highly doubt it.

[A]

No one but you're gonna fire somebody for saying okay because you came in with an attitude.

[B]

What would she say?

[A]

What do you mean?

[B]

What would she say? If we asked her right now? I know we're calling her in the post show, but if we asked her

[A]

right now, say that I had an attitude and that I, you know, I was not that didn't fit the culture. Wherever the. That means.

[B]

Okay. And what about your previous job? You said you were sexually harassed by a massage therapist when you were working at a med spa.

[A]

I was.

[B]

Okay. What happened there?

[A]

Everyone else.

[B]

And everyone else?

[A]

Well, me and a few other girls. It wasn't like everyone else. But what.

[B]

What actually happened? Because to you. No, no, no. Before you actually say. Before you actually say, because this is because sexual harassment. Very bad. So it's discrimination. So it's discrimination. But going off of where you are and Your mindset and how you are essentially destroying our culture with your like false claim bullshit. Because you just said the discrimination. Now you are what has diluted that entire conversation. Cuz you couldn't describe discrimination of any kind and now it's just impossible to believe you on anything. So what was the sexual harassment? Try to not over sensationalize.

[A]

Okay, well, I'd have this massage therapist that constantly be like, jade, when are you gonna let me touch you? When are you gonna let me rub you down? And that he was also gross. Smelled like bo.

[B]

Was it? If he was hot, how would you have felt?

[A]

I mean, those questions are still not how you're supposed to ask.

[B]

Oh, that's. Thank you for answering that question like that. It's the meme. It's the workplace meme. Like hey, Sharon or Shannon or whatever

[A]

though, you know, I told him multiple times to stop. He would come up behind me and where we would do laundry and touch my back or my ass.

[B]

Why don't you start with that? If that's actually. That's actually like. That might be even like assault more than anything. But you didn't start with that. You said you started with a question. You see how I can't trust you? You see how people like you have ruined all. All trust in this world for claims

[A]

I've ruined all trust in this world and claims I didn't.

[B]

How with your discrimination thing. This sexual harassment thing. You started with he was stinky and nasty and said he wanted to give me a massage. And then after I pushed back on that, you're like, well no, he also came up behind me and grabbed my ass. It's like you had to push the goalpost because I was getting. Your original claim was obviously nothing. You've ruined drowning in student loans with massive interest rates. I see it on the show all the time. People get a loan to advance their careers only to be left with sky high interest rates and crazy minimums that leave their paycheck gutted. Maybe you've already gone to a normal lender to try to refinance your private student loans and they looked at your less than perfect credit score and hung up the phone. Maybe part of you even thought, yeah, that tracks. I guess I'm stuck. Stop it. You don't deserve to be buried in a high interest loan for the rest of your life because you hit a rough patch. The banks aren't rejecting you because you're a lost cause. They're rejecting you because you're not profitable enough for them at a manageable rate. That's where why Refi comes in. Why Refi works specifically with borrowers who can't get refinancing through traditional lenders. It's their whole thing. They refinance private student loans so you're only paying interest between 0.1% and 5.99%. And they legally cannot charge you more than that. They'll even customize your payments to get you out of debt at a pace that works. And if you need a co borrower release from your loan, they've got a program for that, too. Plus, their team is in Phoenix, Arizona. So when you call them, you talk to a real person. It only takes three minutes to check your rates and it doesn't impact your credit score. If you've been told no a million times, try why refi? Head to whyrefi.com hammer that is yrefy.com hammer or call 888 yrefi78. That is 888-yrefi78. Break free from the high interest trap and get your finances under control once and for all. You suck with money. So you download a budgeting app. You start with the class, but everyone just deletes it because it's way too complicated to use. So you go to everydollar. That's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollarwise. Built by these people just like you, for people just like you. No private equity, no gimmicks. Just the best budgeting app there is. Download it now. Start the free trial Dollarwise.com link in the description below.

[A]

I've not read that.

[B]

Even if what? Even if he actually did that, which would be very wrong and I would be against him and I'd beat his ass for you. You've made it so it's impossible to believe because you're over sensationalizers. You're moral masturbators. You're weirdos that have ruined our culture online in our country.

[A]

I have not ruined our culture with

[B]

your claim of discrimination.

[A]

I didn't claim it yet on the street.

[B]

Here you did. And then you said, well, because he was stinky and said, when are you going to want to get a massage? That's how you open.

[A]

When you want to get a massage,

[B]

when you want to get rubbed down. Which is weird. But then you said, which is bad because he's stinky.

[A]

I didn't say it's bad because he's stinking it. Like that's how you were kind of trying to paint the picture.

[B]

That's how you're framing. Exactly. That's what I'm saying. That's how I'm saying. But your attitude of you being a. Guess what? You're not a victim. Before filming this episode, why were you here at 8am this morning? Because you got kicked out of your hotel that we sent you to, you little freak. We sent everyone to like the same few hotels. You're the first one to get kicked out.

[A]

Well, there.

[B]

I don't think other people are the problem. So how are you the victim in that? How are you the victim in that?

[A]

Let's hear at first and be like, hey, we just want to know, help us out. Because we had no hot water, we had no ac, the microwave wasn't working. Comfort suites.

[B]

What? That's not where we sent you.

[A]

Well, I didn't book it.

[B]

What are you talking about? Okay, okay, okay. So you were being nice. Well, actually, the water just wasn't hot enough. It's not that.

[A]

It literally was not working. I tried it for 30 minutes, but.

[B]

Go ahead, continue. Okay, you are a goal post pusher the moment you get any kind of pushback, but go ahead. Well, story changes at all times. Continue.

[A]

And then he was.

[B]

How are you the victim in this? Yes, let's learn.

[A]

We tell him what was going on.

[B]

Was he stinky and gross?

[A]

No, but he was rude. He immediately was like, no, we're not doing for you the hotel.

[B]

The guy at the front desk is not saying.

[A]

He didn't say, but like he still was just like.

[B]

We see. And this is why we can't believe anything. This. She is. This is the person on TikTok who is trying to cancel someone for like rubbing up against her in a subway. This is the person on Reddit who is trying to hold everyone accountable. This is the person that has ruined all, all things in our cancel culture bullshit. There was a correction that happened with cancel culture and it was good because many people were not being held accountable. But it went way too far with people like you who just claim victimhood on everything. And the moment you get pushed back, you have to make up for.

[A]

Don't claim victimhood.

[B]

What that's all you've done for 22 years now.

[A]

But sometimes, you know, I am the victim. I literally was sexually harassed. And then I literally had a manager that had to get out to get me.

[B]

And then now this guy was a complete dick to you. And then he actually really said nothing.

[A]

No, he was rude.

[B]

But you just said. He said nothing.

[A]

He told me I was not allowed to talk.

[B]

Story is changing a lot.

[A]

I'm only going to talk to my friend because she's passive.

[B]

Yes, because you were probably being crazy. Absolutely. That's a fair response.

[A]

No, I just said the fuck for it. I said we had no hot water.

[B]

Oh, come on. If you're going down there like I. We don't have any hot water.

[A]

Not how I said it to him.

[B]

You're right. You were probably a sassy even worse. No, no, no. He was like, actually, I'm gonna talk to your friend because you're being too much.

[A]

Well, no, it's because he tried saying that we act that the shower worked. It didn't work. We had no hot water.

[B]

I don't believe you. You've ruined all credibility for this.

[A]

That's why when we. When I went back to get my charger, they were fixing the sink or the faucet and the.

[B]

So why the did he kick you out?

[A]

Because he wanted to. Because they were probably fully booked and they wanted to fit in.

[B]

What was his reason? Okay, I'm being told they threatened to call the police. They wouldn't threaten to call the police because you said it is true. No, they would not say that. See, this is why I can't believe anything you say.

[A]

We want to go get them. There's cameras in that house.

[B]

This is why I can't believe anything you say. They would not threaten to call the police because you say we don't have any hot water. That would not happen. In no real world would that happen.

[A]

Well, I guess we're not in the real world.

[B]

He gave you 30 minutes to leave, threatened to call the police. This would not happen if you just said a bad word.

[A]

Yeah, it is though. I said it twice and he was fine.

[B]

Should we call the hotel and ask?

[A]

I mean, if you want.

[B]

What would they say?

[A]

I don't know. They probably would be confused.

[B]

Well, they have weird shifts there. I don't know. I need to know exactly what hotel it was.

[A]

It was Comfort Suites, Austin Airport.

[B]

Austin Airport?

[A]

Yeah. Because we're in Austin.

[B]

Yeah. This is not where we were.

[A]

It's by the airport.

[B]

Yeah, I know.

[A]

This is not the hotel. That you said was expensive.

[B]

Yes, but we. It's reimbursed.

[A]

Yeah, but you have to have them to have the money in your account to buy the ticket, which I didn't.

[B]

We don't know if you guys are going to because you guys are the least reliable people you can believe.

[A]

For New res people, you guys don't

[B]

answer your front desk and all other inquiries, please press 2.

[C]

Good morning. Thank you for calling Comfort Suite Austin Airport to assist. Now. May I assist you?

[B]

Hi, Tina. Are you working at the front desk?

[C]

Yes, sir.

[B]

Hi, Tina. There was an incident this morning with. They are guests on our financial audit show here in Austin. We put them up in Comfort Suites Airport. They were kicked out and threatened to call the police on them. I was wondering if you could give me more information on that since that's where we booked them.

[C]

The GM was trying to explain. They were trying to get a comp night for the one they stayed the first night because they didn't have no hot water, so their shower wasn't working. We moved them. As soon as we moved them, maintenance went in to check that room that they were in. Everything was working. We did move them into a barrier suite and so they were trying to comb that or get a late checkout for tomorrow. And my GM showed him that was not possible. And then her guest started talking and he asked her to hold on because he was speaking to. I believe was the one who made the reservation. And her guest used all language towards him several times and he asked her to stop and she continued. So he asked him to leave. He did not want to.

[B]

Oh, okay. So she was being disruptive.

[C]

Yes, the guest.

[B]

Okay, well, what kind of language was she using? Was she being hostile towards.

[C]

She was. She was testing. I'm not. I'm not sure I was here, but I was doing other stuff, so. But I know that was the altercation this morning.

[B]

Okay, is. Is your co worker. Okay?

[C]

It was our gm.

[B]

Is your GM okay?

[C]

And he is. Yes, he is fine.

[B]

Okay. Anything else we should know about this?

[C]

No, sir. If you have any more questions, you can call our gm. He'll be back here in a little while or first thing in the morning. He went to another property.

[B]

Oh, okay. Understood. It was the gm. Wow. Okay. The, the, the. The. The call of the threatening to call the police is what kind of concerned me here. Why did it get pushed to such extreme level? I'm wondering.

[C]

Yeah, that's something you would have to ask him. Like I said, I was here and that was kind of what I heard. Going on, but I was sending to other guests and, you know, I was here at the counter as well, but, you know, there was so much going on this morning.

[B]

Okay, so just confirming one more time. So they stayed there and they were essentially trying to, it sounds like, rip the system a little by trying to get the a room comped that they were in because they were complaining about not hot water. And then you guys went in, found there's hot water. And so you actually found out that they were lying about that so that they could get a free.

[C]

Yeah, and then they were. We were. Moved them to a bear suite.

[B]

Oh, you moved them to an additional suite. Okay. Okay. Thank you for the confirmation. I really appreciate it. You're not a victim, you're a line. And I don't believe anything you've said about any allegations in the past about anyone around you. You're a bad person.

[A]

And no one believes anything because of,

[B]

like, heads like you.

[A]

I'm not a head.

[B]

Well, I also heard you're kind of. Didn't you guys have like methadone on you? What? Or something like that? No, my security guard told me.

[A]

What?

[B]

No, I'm just saying. He told me it's the first thing. First thing that happened when I walked in.

[A]

I'm not okay with that is not in my bag. That is not a static.

[B]

Okay, okay. I'm just saying.

[A]

I don't even know.

[B]

Like, I don't know. I'm just saying that's literally the first thing he told me when I walked in the door. And then I told Brandon. So, like, I wasn't making up that that happened. I will believe you that didn't I. That's fine. I'll believe you. That that did not happen. But I'm just saying my security guard told me that. Okay, so you lied to me, which means I unfortunately can't believe you're assaulting, which unfortunately also means I can't believe your harassment thing or your firing thing.

[A]

Don't believe women.

[B]

Liar. Don't believe you're the reason why people won't believe women. You are the reason. Yes. Do you not get this? Do you not understand this? I've had this happen to me and people around me. People like you are horrible. You've ruined it. You have a slightly negative experience and you over sensationalize it and you destroy

[A]

our culture and can't handle sensitive.

[B]

You tried to get a free room. They moved you to a bigger, better suite.

[A]

We tried getting the first night comped because I didn't have hot water to take A shower.

[B]

And then they went there and they proved that it was wrong and they put you guys in a bigger suite anyway. You guys are trying to milk the system and get some free money. You disgusting, degenerate piece of shit.

[A]

You're annoying.

[B]

I'm annoying because you got called in your. For the first time in your life.

[A]

No.

[B]

Yeah.

[A]

Not the first time.

[B]

So you probably deserve to get fired. You probably were not harassed. No one believes you, and unfortunately, no one believes anyone anymore because of people like you. You read it. Tick tock, brain freak. You're a piece of disgusting. So I'm glad you got fired. I'm glad you don't have money to pay.

[A]

I'm glad I got.

[B]

You're a bad person. So you're gonna make $3,000 a month now. How are you gonna do that? You're little clients. Your little clients. Little freelancing, but you haven't made a penny. You haven't made a penny. Where's your penny? Where's your money? How are you gonna make 3,000? You don't have a plan. Where's your plan?

[A]

I don't have a plan. I can go to their house. They can come to my house. I have my tools.

[B]

That's it. You have. No. Do you have anything on the books? Anything on the books?

[A]

Clients on the books.

[B]

Okay, but I'm being told you're planning on moving to New Jersey immediately anyway, so how the. Are you gonna. You're not taking your Colorado clients there?

[A]

No. I mean, some of them will come out there.

[B]

No, they. No, they will. Not for a barbarous appointment. No.

[A]

Okay.

[B]

No, they won't. No one's going.

[A]

A couple of my clients would.

[B]

Why?

[A]

Just because they love me?

[B]

You're delusional.

[A]

I'm delusional?

[B]

Yes, you're delusional.

[A]

That's why they're texting me, asking where I'm going. How. How you know all that stuff? Okay.

[B]

Because they probably want you back to get the haircut. I could believe that. But they're not gonna fly to New Jersey for a haircut.

[A]

I didn't say all of them were but a couple. One or two would.

[B]

Do they get anything on the side?

[A]

No.

[B]

Then why would they? It makes no sense as a haircut. Haircut?

[A]

Yeah.

[B]

Why are you moving anyway? You don't have money to move. How are you gonna move? You know you're not gonna afford to move. How are you gonna have. What are you gonna.

[A]

I have my taxes. I have.

[B]

Don't you have to get, like, a new license? Over there, state by state. Okay, so your taxes, how much did

[A]

you get in total? It'll be like 4,000.

[B]

How much is left? How'd you even get that back? Why? Why? Why?

[A]

Because tax. There's no tax on tips. They had like the deduction.

[B]

What tips? Did you pay money for your tips?

[A]

Tips, I claim.

[B]

Okay, so it was automatically withheld from your tips. That's why 4000 back. 4000 is just a lot. What the. Okay, I mean, for what it's worth, you're in the body bottom 50% of earners in the bottom 50% of earners only contribute 1% to the federal income taxes. So we do have the most progressive income tax structure in the federal government in the western world. So we're essentially redistributing wealth to you. You're welcome. I just wrote a big check. Congratulations.

[A]

Thanks.

[B]

Yeah, so with that you're gonna get a job in Jersey then. So that's how we're gonna pay off our debt. You're getting a job in Jersey?

[A]

Yeah, I mean, cost of living. And what about cost of living?

[B]

New Jersey is more expensive.

[A]

No, it's not the same in Colorado. Yeah, Colorado's expensive.

[B]

It is, but east coast is. Besides, like outside of California. Literally.

[A]

It's literally around the same. My best friend lives in New Jersey.

[B]

Where in New Jersey?

[A]

Wanna Que. Ish. Do you need help spelling?

[B]

Yes.

[A]

W, A, N, A, Q, U, E. I think I'm dyslexic, so you're asking the wrong person for spelling.

[B]

Okay, well, let me pull up some data on that, but. Oh, wait, what? But you just got an email yesterday saying that you're not able to get rehired at any location due to the nature of your separation. O. So this is a chain and you were going to try to go when I was working.

[A]

That's when I was deserving.

[B]

You're a bitch.

[A]

No, I don't. I don't deserve to be.

[B]

Yes, you do. You're a lot of them. Yes, absolutely. What's this chain? Doesn't matter anyway. You're not going back. What's the chain?

[A]

Scissors and scotch.

[B]

What?

[A]

Scissors?

[B]

Never heard of this in my life. I know, I've just never heard of it.

[A]

Oh, they cut hair and they have a bar.

[B]

Okay, no. So Denver is 10% above national average. The wanna queue is 29 above national average. No, it's. It's 15 higher.

[A]

But when you actually have somebody that lives there, they can kind of.

[B]

But that doesn't change.

[A]

They can tell you how much rent is. I Go there all the time. So I know how much groceries are guys.

[B]

Because she knows one someone. The statistics are just incorrect. That's just. Actually that's just how it works.

[A]

How it goes.

[B]

That's how it works. It's a 15.

[A]

She's live data though. What did you use? Your chat GPT.

[B]

You're a search engine. Yes, we searched.

[A]

I searched too. Because what you're just using AI, what

[B]

are you as a search engine?

[A]

Not a real human that lives there.

[B]

You're using an anecdotal example versus where it pulled. Let's see where it got the data from. Okay, this came from bestplaces.net, where does bestplaces.net take aggregate their data?

[A]

I don't know.

[B]

I'm asking in general. I also.

[A]

But she lives there and her rent is about the same as mine.

[B]

Groceries are apartments.com and Redfin. But she literally tax organization. Oh and the census Bureau. You know, I'd say census.gov is pretty good at that. So actually it's confirmed by multiple choice sources.

[A]

Depends on where you're at.

[B]

And then I did the metros for both of them. I did the metros. It's always going to depend a little bit more than where at where it's at. But it is 15 higher cost of living.

[A]

Same time she said with no job lined up, I could find a job anywhere.

[B]

No, you can't. You actually just got told you're not going to be hired from those chains, so. And like wait. Oh, okay, I read that wrong. Yeah, the company got fired from has multiple locations. I read it as you got fired multiple times.

[A]

No.

[B]

Okay, so yeah, you're gonna transfer salon. But you're not doing that because they're not taking it back because you're impossible to work with.

[A]

That was before I thought about New Jersey. That was a different state, but I have.

[B]

So what's your plan for New Jersey? Please tell me. So tax return, you got 4,000?

[A]

Yeah.

[B]

How much is left?

[A]

Three.

[B]

Wow, that's going very quick. In a matter of like a week.

[A]

Well, I had to pay. Well it's probably less than that because I had to pay rent less than that.

[B]

So what is it? 2, 250, 2,500 or 2, 2500. Okay. At that rate that will be gone in about a week and a half. So you're.

[A]

Yeah, maybe I'm a no.

[B]

Yeah. So what's your plan? What's your grand cross country plan?

[A]

No, I have a finesser.

[B]

Huh.

[A]

I have simps that just like giving Me, oh, my.

[B]

Why is it the ugliest people that get the most money? Makes no sense. This happens every. I mean, come on. Yes, okay. Come on. Yes.

[A]

Okay.

[B]

Which. Honestly, again, I know I'm like. I mean, I'm. I'm large, so it's just. I'm not a 10 out of 10 either. But following the logic of the show, that actually means I could make the most amount of money via people in Austin.

[A]

And, yeah, I'm not ugly.

[B]

Austin's one of the youngest cities, actually. Incredibly stunning. Beautiful.

[A]

I don't think so.

[B]

Okay. But that's because you look in the mirror with that haircut and think it's good. So. Yes. We're not battling you as a source.

[A]

Your haircut looks stupid too. Are you 14 with your broccoli top?

[B]

Is it a broccoli top's like this. I just have a little curl here.

[A]

I cut exactly.

[B]

This is a little broccoli.

[A]

14 year olds are perming their hair.

[B]

Well, you know. Do you want to know the lore behind the permission? I'll tell you because people think behind the perm. People. Well, people think it is weird, validly that I perm. It's because I was dared to do a perm.

[A]

You were. Danny kept up with it.

[B]

So I was there to do a perm for the first time. So I did it in the week after I did the perm is when I recorded my first YouTube video. So it just kind of cemented that as my hairstyle. So I'm just like, ah, I'm locked in. Plus, it's so much easier than styling your hair. Just go, boop. So, okay, you're somehow simping, which by, again, that logic, I guess I could make a shit ton of money. Don't really understand it.

[A]

It kind of just depends on what I need and how much. I don't even have to do anything. They just wanna talk to me, you know?

[B]

Also, we're not considering your opinion on what people look like. Valid.

[A]

Okay. I'm not taking my eyes.

[B]

Cause your eyesight's, man.

[A]

Yeah, I'm wearing contacts.

[B]

You see like 10 people at once looking in 50 different directions.

[A]

Okay.

[B]

That shit's gonna be on the back of your head before the year's done.

[A]

Yep.

[B]

And then, yeah, that shit's traveling. So either way. How much are you making from these sugar daddies of which I'm sure you provide sugar for.

[A]

I actually don't. They're not sugar daddies because they're, like, my age.

[B]

Fine. Very good. How much by making them come, if

[A]

they come on their own. Like that doesn't make me a. They're in their room gooning.

[B]

Oh, so it's for images.

[A]

Not all the time. Sometimes it's just to talk to me. I literally have a guy that's like,

[B]

congratulations, you're paying for fake tits and a dick.

[A]

Some guys like that, some guys like that.

[B]

What can I say? That's fair enough.

[A]

Saggy titties and men too.

[B]

No, I. I like them perky but real.

[A]

Okay, wait, and what in guys?

[B]

No, I'm not, I'm not. Yes, I am. Sure, I know. Haha. It's the meme. It's the financial automatic.

[A]

I think it's the fact that you tell everybody that you dudes in high school or college one.

[B]

I've never said that. But I thought I was bi in high school and early college.

[A]

Yeah.

[B]

Never said what you said them.

[A]

You were the bottom. I got it. Okay.

[B]

No, and also never did that. But I appreciate it. And it doesn't matter either way, okay? Either way, it doesn't matter how much you're making from the sugar because that's all there is right now. That's all there is. That and me redistributing my wealth to you, I suppose. I mean, so how much are you making from the sugar? Come on, I just thought five minutes

[A]

ago, average, on average, like a grand.

[B]

So what's your cross country plan? Because you're not getting there. At this rate, you're blowing through a grand and a half a week, I'm

[A]

gonna, I'm gonna start freelancing, taking my clients here, saving up money. Then I'm gonna go.

[B]

So what are you moving then?

[A]

I haven't made that decision yet.

[B]

Oh, you're so. You haven't made a penny freelancing yet. So you haven't proved it. You haven't proved the model.

[A]

Well, I've thought about just breaking my lease and going to hang out with or. Because my friend said I could stay on her couch for three months to get, you know, income in Jersey.

[B]

What's that going to be? Is it going to be free? But you don't even know when you're

[A]

going to move on her couch.

[B]

You don't even know you're going to move there.

[A]

Yeah, well, like when you don't.

[B]

So it's just, it's difficult.

[A]

I'm going to. I could break my lease and go tomorrow.

[B]

Break your lease? Where do you have the money to break your lease? It usually costs like a couple months of rent.

[A]

I just told you I am A finesser. I have sims.

[B]

No. Yeah, but that's. What's your rent?

[A]

1600.

[B]

Dude, that's gonna cost like maybe like 4. 4500 to break your lease.

[A]

Okay, well, I mean, you simp for

[B]

a thousand a month.

[A]

I didn't say a month.

[B]

Yes, you did.

[A]

I said each time.

[B]

What? A thousand for a couple pictures?

[A]

I didn't even say what do you get?

[B]

What do they get for a thousand? Come on, be honest.

[A]

It really depends. I literally have guys that will just send me like $100 for breakfast and not to eat.

[B]

A hundred's not a thousand.

[A]

That's why I said it depends.

[B]

You said each time. When you get 1000. What have you done for that?

[A]

Asked for it.

[B]

That doesn't mean.

[A]

You know, sometimes I'm just.

[B]

So you can get 45 today?

[A]

Sometimes I spend money elsewhere and I over.

[B]

How are you finding them, these pathetic worms?

[A]

They just come up to me sometimes. They're at the bars.

[B]

Incorrect.

[A]

What do you mean incorrect?

[B]

That doesn't happen.

[A]

It doesn't happen. Guys, don't approach me at bars.

[B]

You correct.

[A]

Okay, got it. That's. Who paid for this pedicure? Don't look at my feet. You didn't pay that? I don't know. I didn't ask. Keep going for it.

[B]

Fine. Ask one of them for $500 right now. Let's see if you get it by the time this episode ends.

[A]

Okay.

[B]

Yeah. 500 bucks. Hey, baby, need some money? However you do it, I don't know. June 1, I'm launching the Hammerly app. Available on every major platform. Exclusive dedicated shows every single day, Monday through Saturday. And to celebrate the app launch, I'm offering 30 off the annual plan in the month of June only. Plus, I have an exclusive offer just for you, but limited to the first 1,000 people to purchase. For a one time payment of 500, you'll get our entire Hammer Elite catalog for life and a limited edition Hammer for Lifebox packed with merch you can't get anywhere else. You'll get a limited edition Caleb Hammer commemorative coin, a bunch of budget planner notebook, a Caleb Hammer credit card skin Caleb Hammer emoji stickers, a limited edition Caleb Hammer plushie, a limited edition Hammer Elite mug, a limited edition Hammer Elite hat, all packed inside a custom merch box. Once all 1,000 boxes are gone, this offer is gone forever. Join the wait list by using the link in the description or pin comment down below. So mark your calendar. June 1st. This is the best membership you'll ever join and that is A promise? That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money? We like free money. You can get up to 200 in bonus cash right now. When you sign up for the checking account 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. Yeah, I want to see this. I want to see it.

[A]

What?

[B]

I want to see that message. Oh, I'm looking at this chat and I might regret it in many ways, unfortunately, but for you, my content friends out there. Hey, could you help me out here and send me like 500? Okay, I'm pushing send. Okay, good. Wait, how do we.

[A]

If you don't want to see anything?

[B]

No, no, no. I just. Okay. Okay. Well, let's just see general chat. Okay. Okay. Safe, safe, safe, safe, safe, safe. Good. Okay. Got a client at 2. I need to get ready then near downtown, giving myself the time to drive. Let me know and hop and I'll hop in the shower on my way. Okay. So you him for the month?

[A]

No, I don't him. We literally just hung out and smoked a blunt.

[B]

Oh, I'll open the door, run up and shower. Why are we all showering then?

[A]

I'm not showering.

[B]

Uber to you. Okay. B.B. i'm hoping. Anyway, I'm already just got here and

[A]

he was also somebody that I actually gave a chance to and he.

[B]

So you have. Have you?

[A]

I can't. No.

[B]

Okay, well, here's the conversation for the money. Okay, hold on. What is this? There is a picture that was sent. It was this. It was a picture of me and she said this. Lol. Excuse me.

[A]

He asked me who I was watching.

[B]

Absolutely. Excuse me right now. Thank you.

[A]

I forgot that was there.

[B]

Okay, see, I know you're a f. Ing liar. Do you sell pics? Ha, ha. I mean, I have guys try to get at me, but I don't be giving them the time of the day, so. Yes, I do. You said. And I mean, I have. You also said, ha, ha. Interesting. Thank you so much for giving me the time of day. I actually care about you, so picture. And nothing will truly come from this unless we both make some serious changes. And he's like, yeah, I'm a swinger, so I'd wanna do threesomes. I'll do 300 if you come over at 100 if you do tomorrow.

[A]

And I didn't do that.

[B]

Yes, you did, because he said the money and you did go over, but

[A]

not no weird threesome.

[B]

Oh my goodness. Wait, what's this? But yeah, it was a nice night. Even the sexual part. You liar. You lie. This is why I go through the text, ladies and gentlemen. This is why I go through the text.

[A]

But this is also a dude that I actually wanted a relationship with, but because he's into open relationships.

[B]

Well, you also said yes, you others often and have other simps.

[A]

I didn't say often.

[B]

Yes, you did.

[A]

It's here, often's not there.

[B]

He responded. Let's see, are we getting $500, ladies and gentlemen, or not? He said, ha ha ha ha. What's going on? Just so I can pay a bill that's hitting later today, babe.

[A]

Yeah, that's fine. Like I said, he was somebody that I actually wanted a relationship with.

[B]

I keep monitoring this.

[A]

He was somebody that I actually wanted a relationship with. Yeah.

[B]

And he wants to suck your.

[A]

Well, that's what you do in relationships. You have sex for money. No, but like you have sex with your girlfriend. If she was down bad, wouldn't you give her a little money?

[B]

No. The way her she can be responsible. She's figuring her out.

[A]

Well, maybe I'm figuring my out.

[B]

I. I give my girlfriend gifts, but right now she's figuring out her income situation even better.

[A]

These are gifts.

[B]

No, I not, not, not like e beg gifts though. So let's get into these finances then. Let's get into the numbers because now I understand we're coming from a place of you make zero dollars, you're blowing through all your money. You suck dick for some money or get your duck dick. Suck for money. It's weird. You plan on moving across the country, have no idea how to do it.

[A]

Give me money. That's who cares.

[B]

Shut the up. Come on. You guys talked about how you were sucking. Shut up. I know how it worked. But even without that. What?

[A]

What?

[B]

What do you think your financial score is? 0 to 10, 0 being the worst, 10 being the best.

[A]

Your the website.

[B]

Yes.

[A]

Yeah, it said 2.5.

[B]

Very good. If you want the little thing, you can get it for free@caleb hammer.com. that is your hammer financial score. Take the assessment.

[A]

It is free.

[B]

Just takes a few minutes and you can see where you stand in the world of money. And if you don't want to be like a guest who ends up on this show. One, don't transition. Two. Or you can if you Want? This is. You can budget your transition by downloading dollar wise. Take the free trial, see if it works for you and connect automatic account connections. It's incredible. Most people take the annual ver version because it saves a lot of money. And when you do, I will personally sign our 30 day detailed meal plan and mail it directly to you. This meal plan is incredible. It comes with the digital version of the cookbook as well, so it's yours. So you can meal prep now. It's. You got all the meal plans. You can meal prep every single day. No more excuses. Okay, so again, like I said at the beginning of this conversation, you had a fee that immediately charged because you didn't pay your card. You pathetic creature. What is wrong with you? What is wrong with you? Why are you not paying your fucking card? It was a 25 minimum monthly payment. You couldn't even do that.

[A]

I forgot.

[B]

$32 automatic. Automatic.

[A]

Because I. I'm not you. Well, I don't like automatic.

[B]

Why? Well, guess what? It loves you because you're.

[A]

It comes out and I don't have the money in there. It gets taken out anyway. Then I get charged next to $30.

[B]

Okay, well, that just happened anyway because you did it.

[A]

I met on my.

[B]

Well, now what's happening in your credit card? It's hitting it somewhere.

[A]

Well, why would it hit two places?

[B]

Well, it wouldn't. Cause you would have paid it. But either way, by overdrafting. Not that I'm advocating for that, trust me, but. Okay, so you owe $468.48. What's going on with this card?

[A]

Well, there was a time where I couldn't get credit cards for a while.

[B]

Good, you shouldn't.

[A]

And then I got my credit to a reasonable standpoint, and credit karma kept saying, oh, you can get approved for all these credit cards. So I just decided to try. Since before that I got a loan.

[B]

You're hitting them all. I like all these things. I like personal loans. I like credit cards. We have a credit card matcher and applications thing on Caleb hammer.com, same with personal loans. Cause they're great. I love them, I use them. People should. You can't because you don't know how to manage your shit. It's for people who know how to. You can't.

[A]

I mean, duh.

[B]

So what did you do with the

[A]

loan that I got a nose job.

[B]

I couldn't tell.

[A]

Thank God.

[B]

What the did your nose look like before? Cause we got like a Michael Jackson thing going on.

[A]

No, you can see my Nose. I still have one. It was very much a traditional, like, you know, cheez. Oh, no.

[B]

That's horrible. Not a normal nose.

[A]

I mean. So now I understand why you think I look super white. Because I just.

[B]

Well, and also just like your skin color.

[A]

Oh, yeah.

[B]

Okay. So you took out the loan for a nose?

[A]

Yeah.

[B]

Thought it was to pay off the credit card. I thought that's where you're going with that.

[A]

No.

[B]

What did you rack up? You just opened this card.

[A]

I was saying that that's what made me realize that I can get credit cards again.

[B]

Oh, fuck's sake. Why? Because you were able to get the personal loan for the. No. So you're like, I can get credit cards?

[A]

Yeah.

[B]

Oh, for.

[A]

I guess the only way I could get that loan was.

[B]

What are we doing? Okay, so what did you rack up this credit card with in less than a year?

[A]

I don't know. Sometimes doordash, sometimes the bar. Sometimes. Sometimes I would buy, like, stuff on whatnot.

[B]

Whatnot? What's whatnot? I've. Wait, I've heard of whatnot. We've had whatnot before. What is it?

[A]

It's like the auction app thing.

[B]

What are you auctioning?

[A]

I don't auction anything.

[B]

What are you buying an auction? Like what kind of.

[A]

I fell down a little Boo Boo hole for a while.

[B]

Well, Boo boo over me. But you fell off because everyone I did was Bratz. I think I've heard of brass one. Oh, of course you do. Everyone always brings their collectible special little thing. Oh, that's Brass. I know Bratz. Bratz is like, oh, gee, that's.

[A]

Yeah, she's from 2003.

[B]

Oh, you're breaking it. Why are you collecting this shit? It's not great.

[A]

Because it's a good investment. No, I'm creating generational wealth, dude.

[B]

Your generation Generation. Well, tell me, how much does it cost?

[A]

Well, her, she's a little on the cheaper side. But I have dolls in my collection that can go up to like, 700.

[B]

Sell them. Please. Please, please, please, please. I guess you probably shouldn't before you change your behavior. Or else you'll end up in the same situation again.

[A]

Like the only times I sell dolls for my collection.

[B]

So you're saying if we get this credit card paid off and you move across the country, all your money will just go to rack up the credit cards against on Brad dolls?

[A]

Maybe.

[B]

Then what are we doing? What's the point? What are you trying to do? What do you. What do you want for your life? You're a literal, pathetic failure that blames

[A]

everything on everything around trying to move out of Colorado.

[B]

And then why. Why do you have to move out of Colorado?

[A]

Because it sucks. It's dry there. People there boring. They're just granola. Like, okay, sure, I don't hike and I don't ski, so, like, what's the point?

[B]

Fair enough. Okay, that's fine. I gotcha. I gotcha. Okay, so you're trying to move back to Jersey. Everyone's face, favorite state.

[A]

The food's good. My best friend's there.

[B]

Best friend, there's. He go. That's a good reason. So, okay, but what are we trying to do, though? Because if we're just paying off debt so you can buy breath all again, it's like, is that what I'm enabling? Is that what I'm helping?

[A]

No, Like, I really want to move. I want. You know, I do want to, like, focus on that, but that's it.

[B]

This entire thing is for a move. Do you have to move furniture? What are we doing? Because moving's expensive cross country. If you want to take everything.

[A]

I was just, like, put everything in my Jeep and so what.

[B]

What are we doing? What are you trying to do? What am I trying to do for you? What's the productive thing here?

[A]

Help me out with my finances so

[B]

you can move to New Jersey just to move. That's it. After you move, your life is really.

[A]

Now I need something to do with my eyelids, so surgery.

[B]

I don't think they can move an eye.

[A]

That's the first.

[B]

What? Let me see. He asked. He asked if he can. He asked if she can pay him back.

[A]

Well, I know he's been going through a lot right now, and he's waiting on. He just got a new job

[B]

and

[A]

he's waiting on, like, that money to kind of take into effect. I know that.

[B]

Okay, let me try to manipulate.

[A]

Yeah, that's usually what I do sometimes.

[B]

Yes. That's why I'm imitating. Okay, so this car, I mean, I'm being told you probably just racked it up in weed and. Which kind of correlates with your doordash.

[A]

Can you pull cash out on weed or on credit cards?

[B]

Well, I mean, you could cash out, do a what am I thinking of? Cash advance, but no, that's probably not it. Okay. Yeah. Missed immediately. And you got interest accruing. But even still, probably blames it enough. And then ordering doordash. Let's continue, though. Credit one, you know, if you have credit one, you have, like, the worst credit ever, because it's like, the worst credit card you can get.

[A]

It's horrible. I didn't know that until I started watching your show.

[B]

I still got it.

[A]

I thought it was Capital One. I had it. I got it after.

[B]

That's what they think. That's what everyone thinks. It looks like Capital One in the mail. They get it and then it's credit one. It's horrible.

[A]

One of their, like partner. I don't know.

[B]

$492.34. So maxed out. No, over max out credit limit. 300. How do you owe 500 on 300 card? The is you're past due. Multiple months already. What the. What. What are we. What are we. What are we doing? What are we doing? What the are we doing? You're already two months behind. Now you owe a third month coming up. 69. A month is owed.

[A]

Yeah.

[B]

Why? What is wrong with you? Why can't you at least just pay a 60 payment? Because you weren't unemployed until a week ago.

[A]

Well. Cause sometimes I just forget. Or I don't want to.

[B]

No. There you go. It's not wanting to. Cause you're not forgetting for three months. Pathetic. What are we doing?

[A]

Sometimes I don't have the extra money or I have to pay a different bill. And some bills are more important, like rent my car.

[B]

This is $30. And you told. You made it sound like you were at least making good money.

[A]

I was.

[B]

I mean, that wouldn't have made a.

[A]

I made 60 grand last year.

[B]

Then why couldn't you make a payment? A $60 payment?

[A]

Because I buy things.

[B]

There you go. Because you're prioritizing fun what you want.

[A]

We're not promised tomorrow. Why should I pay? Have to worry about all that.

[B]

You're not promised tomorrow. No. But on the higher statistical likelihood chance that you will be here tomorrow, set yourself up for a better life and success. Because if you die, you won't know. You didn't have fun anyway, so it doesn't matter what I know. That's what I'm saying.

[A]

That's fun.

[B]

I know. But if you died, you won't even know.

[A]

How do you know?

[B]

Huh?

[A]

We don't know what happens after life.

[B]

Okay, well, let's go with most religious perspectives anyway and say you go to some kind of heaven. Doesn't matter. You'll be having a great time. So who cares if you were struggling a little here?

[A]

Exactly. That's my thought process.

[B]

No, no. It doesn't matter if you would have sacrificed. Cause you're having a great time up there anyway. So it doesn't matter. Sacrifice. Statistical likelihood is you're going to live a long life. So sacrifice for it. What? Huh? What? What? What? What? Is there something I don't know? Are you going to die? You got. Sir, what do you got going on? I don't know.

[A]

Oh, I was just thinking, you know,

[B]

then you're probably fine.

[A]

Okay?

[B]

I mean, you might get shot at a bar cuz you're always up in people's faces being insane.

[A]

Yeah. So I want to like conceal. Carry.

[B]

Yeah, maybe. I don't know. I don't know how things work in Jersey. But listen, I mean, you were blaming. With Lindsay. You're blaming this on credit karma. Then you kind of started that, started setting that up with me. The thing is you blame everyone for everything except for.

[A]

I don't know if you know, but your. Your videos have credit one ads.

[B]

Yeah, I. That's not me. I'm not putting the credit one ad.

[A]

I know you're not, but somebody is and that's kind of bad.

[B]

And credit cards are good though. Credit one's not. Not credit one. Credit cards are good though, though, because. No, the rewards and everything, if you can actually manage it, if you're a credit card person, but you're not.

[A]

I tried.

[B]

You didn't try because you're not paying the 30 payment.

[A]

This one's not maxed out.

[B]

Okay, let's see, we got a Snapchat. I don't know. I don't know. I think that's another guy. Another sugar daddy maybe? I don't know. The guy with a beard is what it looks like. I can't see without you unlocking it. It doesn't matter. All I care about is the one guy, okay? So concealed carry.

[A]

Well, you said I might get shot, so if I have a gun that's expensive too. I haven't looked into it, okay? I mean, I. I date guys with guns.

[B]

I can't say it. They want me to say it. I'm not gonna say it. They want me to talk about. They want. They want me to be nervous with a trans person getting a gun in 2026. I'm not. I'm not gonna say it. It's not happening.

[A]

I'm not gonna be shooting at Vinnie schools.

[B]

Okay, well, that didn't make me confident. Now I am nervous. Now I am nervous.

[A]

I voted.

[B]

Now I'm very nervous. Shit.

[A]

Okay, I'm not gonna shoot up schools because I voted for Donald Trump, okay? So why would I. Why would I be one of those trannies that shoot up schools?

[B]

I Don't know. I think people just shoot up schools. There's people just shoot up schools, right?

[A]

And usually they're the ones that like. Like women. Like the trans women that like.

[B]

You're right. That's right. You get guys to suck your dick. That's true.

[A]

I mean, you get girls to suck yours.

[B]

Huh?

[A]

You get girls to suck yours.

[B]

I think that's considered pretty standard.

[A]

Pretty. And some people don't want standard.

[B]

Okay, I wasn't crazy.

[A]

I wasn't criticizing you either.

[B]

Okay? I don't understand the point of that. What?

[A]

Everyone likes sex?

[B]

Yes, everyone likes sex. 69 is your now minimum payment. It's probably normally 30, but again, you're multiple. Eight months late behind 40. Late fees. Stacking like crazy. This is insane. Oh, it's actually been closed because of how past you are. So you can't even spend on it. If you go. If you even pay it down, you

[A]

can't,

[B]

which is good. You shouldn't have access to this. You're not a credit card person. Again, for those who are, you can get. You can figure out what credit cards work for [e-mail]. check that out. But you're not, so you shouldn't fill that out.

[A]

Honestly, what really happened is my car got totaled. I feel like that's worthy state.

[B]

So if we did sell your big collection, how much would that be worth? What's your collection worth?

[A]

My what?

[B]

Your collection of these things.

[A]

Oh, if I sold it all together, probably like 10 grand.

[B]

Dude, you could change your mind.

[A]

But if I sold them, how much

[B]

have you spent on tattoos?

[A]

Oh, I don't know. 20, $50,000.

[B]

What? No way. What is wrong with people like you? You guys are just.

[A]

I've been getting tattooed since I was 16 and then I don't. I don't know, I just get tattoos. When you live at home, how much

[B]

does your transition shit cost?

[A]

Hormones.

[B]

Yes. How much does it cost?

[A]

Well, I just got back on Medicare hormones.

[B]

But no, no, no, you got tits as well.

[A]

Those were pretty free.

[B]

Why?

[A]

Cuz my body is priceless.

[B]

No. How was it free?

[A]

Oh, Colorado taxpayers. Yeah.

[B]

Not federal, right? Just Colorado.

[A]

I don't, I don't.

[B]

I hope not, cuz I just wrote a four million dollar check the other day to the irs. If that's paying for literal titties, what are we doing? I have nothing wrong with trans. But why am I paying for people? People's boobs?

[A]

Don't get me wrong, I, I don't think it should happen either. But I did abuse the system because why would I pay for it if I can get it for free?

[B]

The government. The taxpayers paid for your tits.

[A]

I mean, I pay taxes too, so some of my.

[B]

You're not a net contributor. No, we just sent you $4,000 back. Especially with your no tax on tip thing. And the majority is tip. It's. Honestly. It's just the. I. I'm. I'm not in favor of the no taxes on tip thing. It's so stupid. You already contribute nothing. And whereas this more populist policy of

[A]

us should just be getting paid a normal wage, so we shouldn't have to

[B]

get t. That's fine too, but advocate for that. It's just so stupid. It's just another. It's just a performative policy. And that's why both parties are on it, because populism is winning right now. And it's just. It's so stupid. It's a. You already don't contribute anything. You're part of the.

[A]

I do contribute.

[B]

No, you're part of the 50% that contribute 1%. It's nothing. It's a drop in the bucket. If it was gone, nothing would change. It says we give everything new now. We pay for your boobs. What else do we pay for? What else did we pay? Do we pay for your hormones?

[A]

No, I pay for those.

[B]

Okay. There's no health. Health insurance pays for them.

[A]

I mean, yeah, now, but.

[B]

Okay. I mean, we all pay into the higher cost of health insurance. What about the nose job?

[A]

I was. I paid for, and I don't consider that part of my transition.

[B]

Oh, no. It wasn't gender affirming.

[A]

No, not really.

[B]

Is there any other genuine.

[A]

For me, I feel like I've always been confident in who I am. Well, it's taken a minute, but, like,

[B]

is there any more gender affirming surgeries you've done?

[A]

I'd be like, have done? No.

[B]

Any more that you want to do?

[A]

Yeah, I thought about it. Maybe another boob job.

[B]

Are we gonna pay for that one too?

[A]

No.

[B]

Why?

[A]

I had to be on hormones for, like, two years, and then at that two years, they would see how big my breast tissue grew and it was an A cup.

[B]

And the government was tracking this.

[A]

Yeah. Because if you. Oh, my goodness, if your breasts develop.

[B]

This show's turning me into a libertarian. I'm ready to cut everything by 90%.

[A]

And honestly, this is crazy.

[B]

This is insane. I don't actually agree with that, but what the. Because I know we're getting the worst of the worst on the show, so I get it but it's just like what the what the are we doing here man? What the.

[A]

Yeah, if you, if you get bigger than like a B or bigger, they won't pay for it. But because I'm a skinny legend, I

[B]

only got like you're welcome for the taxes America. You're paying in foreign ship.

[A]

Oh that's probably Bratz Dolls.

[B]

Starbucks is bull and a waste of money and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. Honestly, it literally tastes better and we proved this accidentally via a blind taste test in our Hammer Elite show Fat and Fatter. The number one ranked energy drink is gamer. Literally. The cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10% off your order at gamersupps gg or click that link in the description below. Type in code Caleb Stop Bleeding Out Money Making Minimum Payments across Multiple High interest Accounts Most Americans are spending hundreds, sometimes thousands of dollars that could be 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 you're paying for in the Bratz Dolls. What the is wrong?

[A]

I told you some of them are like a hundred dollars or more.

[B]

How often are you brat dolling?

[A]

I don't know, it depends on my mood. Some like if I'm in a bad mood sometimes I'll just buy one like, you're broken, man. I know.

[B]

Oh, man. I meant general.

[A]

I know. Dude, man, they're all gender neutrals. I'm not offended.

[B]

I'm a respectful guy, right?

[A]

A little.

[B]

Oh, come on. I'm respectful. Yeah. Okay. I just did the one bad thing. But I didn't know it was a bad thing.

[A]

That's why I said a little. You're irrespectful.

[B]

I'm a good guy. I just yell and make mean comments. All right, update.

[A]

I'm pretty sure he knows I'm here too.

[B]

Oh, let's see. What did he say? I was trying to manipulate him. Let's see. By the way, what I said is, I thought you liked me.

[A]

Yeah, he said he does. But that's a wild request.

[B]

Let me see. I'll manage this. Thank you. Ha ha ha. I do. But that's a wild request.

[A]

Cause I think that's, like, he literally just gave me almost $400 the other day. So I think that's kind of why. I mean, if you. Look, the $300 that he sent me was literally like, I'm manipulating. Okay? Give me more money. I'm not complaining. I'm just letting you know that literally Saturday, he gave me $300.

[B]

Okay? I sent three texts. So you don't care if my bill fails while I'm stuck in Texas? Next message. I don't know. I thought you were different. Next message. Never mind. Manipulation.

[A]

You're a little bit meaner than I

[B]

am, but I'm pulling out cunt for this.

[A]

Yeah.

[B]

Okay, so what even is. Oh, so that's for the Brad doll.

[A]

Okay, not this one.

[B]

Tuck it up. What's that? I mean, that sounds like. Okay, you're hiding the dick trans things, right? Tuck it up.

[A]

Oh, yeah. They're really cute thongs. It matches my pants.

[B]

It says, please stop.

[A]

Stop what?

[B]

Just. I don't want to imagine a woman's penis.

[A]

I don't know.

[B]

Those words just come out of my mouth, I guess.

[A]

So are you saying mine's bigger?

[B]

No. If you were, like, tall, skinny, white, like. Yes, because the biggest dicks I've ever seen in the locker room of, like, swim team.

[A]

How many dicks are you looking at?

[B]

Everyone. Okay, for what it's worth. The swim team in high school.

[A]

I don't know if you want to say this.

[B]

I. I do. I don't. You think I give a. The swim team in high school is cr. Those. Those guys, they were just. None of them were gay, but they were the gayest mother I've ever Met.

[A]

These men are the gayest men I

[B]

know in the swim team locker room. Yes. So the tallest, skinniest white men are. Especially the nerdy ones. They can. They can like wrap that shit around a throat and choke a. That shit is huge, intimidating, scary. But you are not that person. So I'm not afraid.

[A]

Okay?

[B]

So no, I do not have thou fear. Okay, the trans shit is $32.49. It's one more payment and it's done. I'll just call it trans. Trans dick. Okay. Trans dick. $32. Okay. And then what is this? What is this? Forest Inc. You're paying?

[A]

Oh, this is my pants I had to buy for the show.

[B]

You had to buy it for the show? Yeah. Cause they're the show that does not feature pants.

[A]

Well, you can see people sitting.

[B]

All right, it's tucked up.

[A]

What do you mean that you can't see?

[B]

Exactly. The tuck. The tuck it up worked.

[A]

It's gone.

[B]

I guess I shouldn't be that afraid. Well, 57.89.

[A]

You can let me know if you want to see it.

[B]

No, thank you. I've moved on from that.

[A]

It's not college anymore.

[B]

It is not college anymore. Very distant. Okay.

[A]

You are 3501.

[B]

Yep.

[A]

How's it feel?

[B]

Fine.

[A]

29 soon.

[B]

I'm still 57.89 with the $28 3094 cents minimum depayment. Okay. No, no, no, no, no. It's. It's much more due than that, actually.

[A]

Let me see.

[B]

What's the balanced? Okay, you owe one. These. I mean, these are small debts, which is really stupid because you could wipe all of these out and get this massive risk from. All from over your head.

[A]

I was going to until I got fired.

[B]

No, but then you shouldn't be going. You didn't have an emergency fund anyway, so you shouldn't be going into. Into debt regardless. Because now this is risk holding over your head. Listen, you're gonna have a hard time getting a job probably because you're. But regardless, I'll get you a course career certification. You can get that in the trades. You can get it in tech, you can get it in whatever. A lot of people in the audience have taken those and converted them into six figure pay raises or jobs. So I got you with that.

[A]

I have thought about leaving the industry.

[B]

You probably should because you are not a people person.

[A]

Well, that's why I work at a barbershop. Because I can't hand deal with.

[B]

Yeah, definitely don't deal with people that are. You're retarded. Shut the fuck up.

[A]

You can shoot the shit more with

[B]

shut the fuck up. Yeah, and then you got fired. 25,000.

[A]

Well, I'm a woman, so obviously she

[B]

can't hang 25 after you were. You owe 25. You owe $25,000. 738. $25,783.68 at a 20% interest rate on something. I don't know what. I think this is a car loan.

[A]

I don't know what that is. What is it?

[B]

Do you have a 20% car loan of $25,000?

[A]

Is that my Jeep? Yeah.

[B]

No. Here he is. Let's see. This is insane. This is insane. A 20% car loan I haven't seen in like a year on this show. What the is wrong with you? You're the worst. Let me see. He said, what the. Lol.

[A]

You gotta be a little nicer to him. He's going through it.

[B]

He says, I have bills and a whole kid. He has a kid and he's. Your dick is going under there.

[A]

He's sucking dick, telling you he's sucking his dick. You gotta be nicer to him.

[B]

So he said, what the lol? I have bills and a whole kid. And why are you in Texas? I said, for the show. Sorry for being mean, babe. I'm just stressing. I really want to blow you when I get back.

[A]

Oh, my God, do not say that part.

[B]

But I really need this. Can you please help me out, love?

[A]

Oh, you said it anyway. I don't want to suck his dick.

[B]

I know. You can tell him later. Oh, you've sucked him many a times now.

[A]

What are you saying?

[B]

Or like you suck mine? Okay, so 20%. Carlon's crazy. Crazy. Maybe he should send that 500 because. What the is this? What did they tell you that that

[A]

was like normal at that time?

[B]

Like you that have the worst credit imaginable. Yes.

[A]

Well, they made it sound like interest rates were high for everyone.

[B]

They were not. 20%. Like 8, 9, 10.

[A]

Well, then if they're high already and then you have my shitty credit, obviously.

[B]

So what is your car?

[A]

It's a 2020 Jeep Wrangler, dude.

[B]

You got a 25, 000 loan on a 26, 000 loan on a Jeep Wrangler at 20. What is wrong with you? What is wrong with you?

[A]

I wanted a cheap.

[B]

I know you did. For 20. Well, you bought it for 30, by the way. But it's worth 20. It's. Oh, you owe 26 now. What do you think? It's worth. That's 20 loan. What do you think it's worth?

[A]

Rude. Honestly, what do you think it's worth? I don't know.

[B]

What do you think it's worth?

[A]

The car?

[B]

Yes, the car. What do you think it's worth?

[A]

25.

[B]

Okay. 13,000. You're. You're 20's insane. 20's insane.

[A]

Yeah, but I don't know. I. My car got totaled before that. That car was paid off and I've always.

[B]

What's your minimum payment?

[A]

You dumped $720.

[B]

Yeah, when you're unemployed. Oh, you are.

[A]

So now I wasn't unemployed when I.

[B]

What's an unemployment expected to be, huh?

[A]

I don't know because my manager won't give me my pay stubs and they've never. They haven't given me access to ADP since January. I mean, like they haven't given you

[B]

have any from before?

[A]

From before? I got all of my pay stubs like through ADP up until January and then after that. I never had access to them on adp. I brought that up to my manager multiple times. She never fixed it in adp. She just talked to corporate. I have. They don't want to talk to me.

[B]

Okay, then you did. You did more than just say okay, by the way.

[A]

Why I want a conversation with them because my manager exaggerates a lot. Like the whole shop cannot stand her. They're all scared of her. She makes you say yes.

[B]

Doesn't matter. Corporate.

[A]

She makes you say yes, ma', am. We're franchise. She makes you say yes.

[B]

I know, but talk to corporate then.

[A]

Corporate doesn't want to listen to me because they're too lazy and they just want to take the easy way out.

[B]

It's always someone else's fault. I don't know.

[A]

Okay, well, I have thought about either way.

[B]

This jeep.

[A]

Insane, I know, but I wanted it, so I didn't care.

[B]

Exactly. Which is actually what has defined your entire life. It's never been anyone else's fault. Other than you wanting. You wanted fun over an emergency.

[A]

Well, yeah, I didn't. You know I didn't.

[B]

You wanted fun over not having.

[A]

I didn't grow up with much money, so.

[B]

Neither did I. I didn't my life a little in my early 20s, late teens, but I got out of it. You're 28 and you're a little old for still just having fun for me. I am way when I grew up. You're a little old for that now.

[A]

I don't think you're ever too old to have Fun?

[B]

It's not about not having fun. It's about the. You're using the excuse of not having money.

[A]

What?

[B]

You are too old for using the excuse of you didn't grow up having money. You can fuck around in the early 20s of 2020.

[A]

One of the first jobs I ever made this much money.

[B]

Dude, you're 28. Going on mass shooting like you are. Just like you're there. You're too cool.

[A]

I don't even know how to shoot a gun.

[B]

Huh?

[A]

I don't even know how to shoot a gun. That's why they always miss the last time. No, no, not always.

[B]

Well, tight spaces.

[A]

Oh, miss him. I got it.

[B]

Oh, him. Well, you voted for him, so I don't think you're going for him now.

[A]

I don't.

[B]

Oh, shit. All right, Secret Service, I hope you're watching.

[A]

Well, release the tapes. Release files.

[B]

Okay, yeah, everyone wants the files released. Okay. It's Jefferson Capital. What the is this?

[A]

I don't know.

[B]

Well, it's open. But you don't know.

[A]

I don't know who Jefferson is. I hate you.

[B]

I hate you. It's open, but it's 100%. Oh, it's collections. It's in collections. You just let it again. It was prioritizing. Fun. What?

[A]

I don't know what that is, so how can I tell if it's dumbass Dolls?

[B]

Over.

[A]

They're not dumb.

[B]

Yes, they are. Over paying on your debt, so you allotted to go to collections.

[A]

Well, I don't know what that one is, so I can't defend that one.

[B]

I don't know. Would the balance at least help? It's $3,243. Come on. Okay, I'm being told it's for Verizon. Yeah, how the do you owe that much to Verizon, you broken creature?

[A]

I used to have an ex roommate that was disgusting.

[B]

Oh, oh, it's always someone else's fault. Here we go. Let's hear how someone else's fault this time.

[A]

I put her on my phone and then during COVID when we moved out. Cause she was a dirty, disgusting hoarder. I canceled that. Cause it was during COVID and I was told by Verizon that I didn't owe them anything and I was fine that they would just close the service in the account.

[B]

The are you talking about? First of all, you have no personal responsibility for anything. You are incapable of life. Wow, it's pathetic. Take some ownership, you creature, and you can still pay for this. Get on a minimum payment again or negotiate it down with your tax return money.

[A]

We can't dispute it.

[B]

Okay. Collections and not freak for trans, by the way, before someone sees that and clips it. I'm sure they still didn't left that part out. That's how clipping works. $420 is owed in collections to this. It is progressive.

[A]

It's very progressive.

[B]

Progressive. So you weren't paying your insurance because you're a degenerate failure.

[A]

Well, I didn't pay them because they dropped me and then I didn't want to pay them out of spite.

[B]

Yeah, but then you just yourself in the end, so I don't really understand.

[A]

The balance is 420. I thought. Kind of thought it was funny, so I left it there.

[B]

So you fuck all your credit for that. You're never going to be able to get your own place in Jersey now with your credit only getting worse and worse and worse and worse and worse and worse and worse.

[A]

I was able to do it here,

[B]

here before it got worse and worse and worse and worse and worse and worse and worse and worse. Now you're going to not even break your lease. You're probably just going to allow it to go to collections if we're being honest. Because you'll prioritize moving over, doing the response responsible thing, or actually making sure everything's okay.

[A]

But that's still breaking my lease.

[B]

No, you're just gonna leave and then you're gonna own money. Then it's gonna go to collections. That's not breaking a lease. Breaking a lease is something you agree with, right?

[A]

Usually they give you payment plans.

[B]

They can maybe. I don't know. It depends on the apartment.

[A]

They love me.

[B]

Huh?

[A]

They love me.

[B]

You think everyone loves you and then you think everyone's horrible the moment you don't get your way.

[A]

People who don't like me are horrible.

[B]

Exactly. That's basically what I just said. You toxic.

[A]

Well, there's.

[B]

You're toxic. You're a bad person. Yeah, there's a reason why collection 68 bucks. It was for Geico and you couldn't even pay $68. You're allowing that to bring your credit score down by like 15 points for

[A]

$68 on there randomly.

[B]

Then just pay it $68. Let your credit score go up like 10 points immediately. Like, why not? I don't.

[A]

I forget.

[B]

Okay, well, you're here now.

[A]

Well, now I'll pay it.

[B]

What the fuck is wrong with this guy? He needs to call back.

[A]

Well, he's probably mad now cause I don't talk like that. To him.

[B]

I apologized.

[A]

Oh, well, I still don't talk like that to him. I'm very nice and I respect the fact that he has a kid and I.

[B]

You respect the fact that he gives you money?

[A]

That too.

[B]

So the dude has a kid, but he just. You're just. Does he have a wife?

[A]

No.

[B]

That's why he sucks your dick. Okay.

[A]

He is a single father. Full custody.

[B]

Single father sucking dick. We love it.

[A]

Yeah.

[B]

Okay. Okay. Well. Savings. Five bucks. Really? Getting your way across the country.

[A]

Five dollars. Yay. I think there's like three.

[B]

Yeah. You're the worst of us. Society humans. Checking account went down. Apple bill, Medicari, Everyday Store, Mercari, Domino's. Apple bill again. Bullshit. Venmo, DoorDash, Pizza Hut, ATM withdrawal. No one noticed where that $103 went every day. I do Netflix. Where'd it go? Chick Fil. A doordash.

[A]

You have to get cash when you go to the dispensary.

[B]

Oh. What the is wrong with you? How much do you spend on weed?

[A]

I don't know.

[B]

You're the worst of us, Amazon.

[A]

I don't.

[B]

What's Everyday Store? Because you go there every day.

[A]

It's a gas station. It's gas.

[B]

How much are you driving? You go there so often.

[A]

I live. I live like 20, 30 minutes away from that shop I was working at. But I lived in that town before

[B]

I moved to another Applesville. You must have a lot of subscriptions. Venuing out money again. What are you venmoing out? People are supposed to be venoming in.

[A]

How much was it?

[B]

Around 14 bucks that time?

[A]

Probably. It was probably for lunch. Somebody ordered lunch at work.

[B]

Craft deli. Whatnot again. Whatnot again. What? Not again. A lot of whatnot. That was like $200 and whatnot. Mad Rad Retro Toys for $48. Then an Apple Bell, Little Nick's Pizza. Multiple overdrafts. Are you kidding me? Oh, okay. And return item fees. What are we doing? Your potential pathetic. Oh, and there's another debt. Just. Why not another personal line of credit at the end of it, just for Fun? At a 32% interest rate? Nasty. Disgusting. What the is wrong with you? Sorry. 11 point. 11.8% rate. 11.8% rate. Maxed out your complete.

[A]

Yeah, that's because I'll pay it off. And then when that money hits, I take it back.

[B]

Plus, it's. It's a draw as you pay, right?

[A]

Yeah, because doesn't that help my credit?

[B]

So I have fast food in here. It smells delicious.

[A]

No, it smells like a cigarette. Stinks in here.

[B]

Oh, it smells like McDonald's fries,

[C]

huh?

[B]

Isn't it McDonald's fries or cigarette.

[A]

It smells like a cigarette.

[B]

McDonald's fries. You're broken. I think it was the nose job.

[A]

No.

[B]

$5,999. 40. Okay, two people agree on McDonald's fries. One person says cigarettes. Which one do we go with?

[A]

Okay, well, McDonald's fries kind of smell like cigarettes on your.

[B]

Your nose job broke you.

[A]

I.

[B]

There's no monthly payment on this. It just accrues interest. Right. Then you have to draw. You have to. You can only take out what you draw down. A personal loan?

[A]

No, it's auto pay.

[B]

Auto pay?

[A]

What, like $110 every month?

[B]

Pull up your phone. Give.

[A]

You have my phone?

[B]

Yeah. Give me your. Give. Just open.

[A]

What do you want?

[B]

Huh? Not like nasty. I wash my hands a lot. Are you on low power mode? It just makes everything weird. You have 50%. You're fine. Okay, subscriptions, let's see. Apple Music, Google Photos, Backup, iCloud Plus, Paramount plus what? The point is that because there's a

[A]

couple shutters on there I like.

[B]

What is shutter?

[A]

It's a horror movie subscription.

[B]

Okay. And then Hammer Elite. That one's good. Probably not best for you in this moment, but.

[A]

Well, I had to know what I was getting into.

[B]

Pretty good.

[A]

Yeah.

[B]

Three premium shows every single day. Including where we're gonna call your ex boss.

[A]

Yeah, she's kind of a. I'm being

[B]

told that Brandon is your type, which is exciting. Congratulations, Brandon.

[A]

Well, like. Yeah.

[B]

Do you want to suck Brandon's pee pee, or do you want Brandon to suck your pee pee?

[A]

No.

[B]

Which one?

[A]

No, no.

[B]

Which one would you.

[A]

Are you asking? I don't care.

[B]

Oh, you would do either way. You're a switch. Okay.

[A]

Yeah. You have to have fun, right,

[B]

Brandon? Post show. Post show. Blowjob. Your first blow job? He didn't say no. Okay, there's 15 things in your Amazon car, which is crazy.

[A]

I use my Amazon with my family.

[B]

Lots of water bottles, socks, box, Cafe family.

[A]

It's. I don't. We share, so. The only thing I buy on Amazon is stuff for work.

[B]

Okay, well, you don't have a job anymore, so no more Amazon purchasing. Listen, I don't even agree with where you're going. Like, I don't even know what we're doing here, but. Oh, there's more deaths, apparently. Parents. 1800 for. Why?

[A]

Well, I went to urgent care and then I went and saw a specialist, and I didn't have health insurance.

[B]

Why? What the. Did you.

[A]

I had to go see a urologist.

[B]

Why?

[A]

Because I was pissing blood.

[B]

That's right. Why were you pissing blood?

[A]

They said it could have been anything. Like either me being dehydrated. They outruled like sti are you freak. All that stuff. So that's good.

[B]

Drink water. Weirdo. Why do you owe your friend $60? Why can't you pay $60? Pay your friend back.

[A]

She told me it doesn't matter.

[B]

Okay, so I can cross it off and then you owe in tolls $1,600.

[A]

I probably should still give it to her.

[B]

Well, she says she doesn't care. Then it'll be.

[A]

But she's also struggling.

[B]

$1,600 to tolls is crazy.

[A]

Yeah, that's because they don't. They never sent me a bill and now I can't.

[B]

You log in online. I know how it works.

[A]

It won't do it. It will never log me in. And they've never sent me a bill. And that's also for my old car too. And they've just held my registration.

[B]

Good.

[A]

Not good.

[B]

Good. I hope you are never able to drive.

[A]

I know how to drive. I'm a good driver.

[B]

No, not if you're not paying your. I don't care. Consequences. Actions.

[A]

I don't think that makes me a bad driver.

[B]

It's time that you actually get consequences for your actions. Your monthly minimum to the payments are $1,513. What's your rent again?

[A]

16.

[B]

What's your utilities? Plus Internet.

[A]

I don't pay for Internet. On average, probably 150.

[B]

That's kind of cheap. Okay. Phone bill.

[A]

I don't pay my phone bill either.

[B]

Hey, you can do helium when you do for $15 a line.

[A]

Why would I do that if I don't pay for it?

[B]

I said when you have to.

[A]

Oh, sorry.

[B]

Gas. Broom. Drive. Drive. How much now? Without the job?

[A]

Gas now.

[B]

What do you think it's gonna be?

[A]

Oh, now.

[B]

Because you'll be driving to clients and stuff. Hopefully.

[A]

We'll see probably anywhere from 70 to 140.

[B]

140. Car insurance.

[A]

Car insurance is about 2, but that includes renter insurance.

[B]

Okay. TP fund anything else you need to survive. Make up all that good stuff. I guess not. Tampons, 150. Necessary food, $300. Use the meal plan. Use the digital cookbook we get. We give you that you get for the annual version of dollar wise Medical health care. I'd say. Oh, co pays anything on a monthly basis.

[A]

Well, I have Medicaid now. How much, though?

[B]

No Medicaid. You're on Medicaid?

[A]

Yeah, I applied for. Because I got fired.

[B]

So it happened right when he got fired.

[A]

Yeah. Because I was losing my dental and I wanted, you know, I wanted.

[B]

I'm okay with it. Because he got fired. Hopefully it's not a permanent thing.

[A]

No.

[B]

You have any pets?

[A]

I do have one.

[B]

What?

[A]

A pug?

[B]

Age and health?

[A]

He's six.

[B]

Okay. $50 health insurance. How much for pet food?

[A]

I buy the big bag. I think it's like 120. And it usually lasts in three months.

[B]

Okay. I don't know. This is called 40. We'll just see. I don't know. Then 50 for pet insurance, 40 for subscriptions. Anything else that needs to be in your budget?

[A]

I don't know. Can I still buy brass dolls?

[B]

You can go to yourself and go, brandon, but no, you're not getting brat stalls. All right? You're a child. Listen, you need $3675.13 for minimum survival. Right now you make zero. Hopefully your unemployment helps with that. But you just need to go make that at a minimum and then obviously go make more because you need to pay down some debts and settle some collections and pay your friends back. The car is the big worry, but you can't really finesse that. I don't know. You just need to make 3,675 at a minimum. But pay off your debts, obviously. Move if you want to. I don't really care. Break your lease. That's going to cost money too. So you need to figure that out. You need to go make that. Usually I'm like, here, this is how you pay off the debt. But I can't if you. I don't know how much money you bring in. So go make that so you can break even. Try to make more so you can pay it off. Okay. I don't know, but we're gonna call the person in the post show who fired her. That's gonna be an explosive confrontation. I have a feeling. Because she's. It sounds like the other one is too, but we'll see. So join Hammerly. But let's get the hammer. Financial score. Spending in a budget. You overspend because you make nothing. 0 out of 10 debt collection, 0 out of 10. Emergency fund to nothing. 0 out of 10 retirement.

[A]

I don't know how to figure that out.

[B]

Do you have any?

[A]

I think so.

[B]

How much?

[A]

I don't know because 0 out of

[B]

10 until you can tell me. 0 out of 10 real estate Hammer financial score get 0 out of 10 get yours@caleb hammer.com now join me in the Financial Auto Post show by clicking Join Hammer Elite three shows a day, six days a week. See you there.

[A]

Hello? Yes, hi. What's going on? I just kind of want to talk about why I got fired.

[C]

What specifically?

[A]

I feel like it was pretty clear you were part of the problem. I didn't even listen and hear you out.

[C]

Excuse me?

[A]

Are you saying I'm part of the

[C]

problem that got you fired?

[B]

For June 1st, I'm launching the Hammer Elite app, available on every major platform. Join the waitlist by using the link in the description or pinned comment down below to get a never before seen financial audit video and then an exclusive offer just for you. You'll get lifetime access to the entire Hammer Elite catalog and our Hammer for Lifebox packed with limited edition merch. So mark your calendar. June 1st. This is the best membership you'll ever join and that is a promise.