Podcast Summary: Financial Audit – "She Came Here To Cancel Me"

Podcast: Financial Audit
Host: Caleb Hammer
Guest: Naomi, 26, Tampa, FL
Date: July 30, 2025

Episode Overview

In this episode, Caleb Hammer sits down with Naomi, a 26-year-old entrepreneur from Tampa, Florida, whose personal finances are in disarray. The discussion revolves around Naomi’s struggle to turn her creative pursuits (hairdressing, crafts, and art projects) into a viable business, her decision to move back in with her father, her troubled work history, massive credit card and student loan debts, and recurring patterns of avoidance and enablement. Caleb delivers his signature blunt feedback, challenging Naomi’s justifications and prompting deeper reflection on her habits, choices, and future plans.

Key Discussion Points & Insights

Naomi’s Career and Business

• Current Occupation: Naomi identifies as an entrepreneur, primarily doing hair and crafts (such as rug making and T-shirt designs) but admits she only makes about $1,000/month. This is not enough to support herself, compelling her to move back in with her father.
  • Caleb’s Reaction: “I like the entrepreneurial mindset, but if you’re moving in with dad just to live, the market is telling the business: bye-bye.” [02:14]
• Attempt to Build a Salon at Home: Naomi is considering starting a home salon in her father’s house but admits she has not checked regulations ("Have to look into it"). Caleb stresses that's likely illegal.
  • “No, no, no, no, no. Is that city-approved, permit-approved, is that a legal operation?” – Caleb [03:25]
• Creative Pursuits: Naomi also discusses her involvement in a band, tries to design unique T-shirts, offers tarot readings, and even proposes “therapy” sessions as part of hair services.
  • “You are not a therapist...people are going to take advice from you, yeah, that's not good.” – Caleb [10:25]

Patterns of Avoidance, Enablement, and Excuses

• Recurring Response: Naomi often states she needs to “figure it out,” a phrase Caleb sharply criticizes as non-committal and indicative of avoidance.
  • "You work on working, but you never accomplish anything…Endlessly thinking about things and write everything down and all this stuff, but execute nothing." – Caleb [13:07]
• Enablement: Both Naomi’s father and boyfriend are supporting her financially (rent-free living, cash handouts, groceries), which Caleb argues removes the incentive for her to face reality and take action.
  • "You're never going to make it anywhere until [your dad] cuts you off and makes you actually go get your own figured out." – Caleb [72:04]
• Naomi’s Self-Assessment: She admits to overthinking, avoiding action, and falling into self-help and manifesting instead of structured planning.

Naomi’s Work History & Justifications

• Chronic Job Issues: Naomi left several jobs (Trader Joe’s, marijuana farm, salon, bank, server), each time citing moral or management issues—from workplace harassment and misconduct to bad management and policy disagreements.
  • “Someone like you finds issues everywhere.” – Caleb [25:24]
• Caleb’s Skepticism: Caleb points out the pattern of blame and victimhood, questioning the consistency of Naomi's complaints.
  • “You haven't had one job without you finding something...But that's the issue. That's why I'm like, okay, I feel like I just need to be my own [boss]." – Naomi [35:21]
  • Caleb: “You will report yourself for being a creep or something, that's what’s gonna happen. You'll harass yourself when you masturbate.” [35:25]

Financial Situation

• Credit Card Debt: Naomi holds over $20,000 across multiple over-maxed-out credit cards, habitually balance-transferring but then quickly maxing out new lines.
  • “You’ve done four [transfers] and then built them all up again?...What a joke of a life you live.” – Caleb [63:17, 74:44]
• Student Loans: $10,000 from cosmetology school, payments coming due soon. She also used a Pell Grant and admits her education is underutilized.
• Spending: Naomi continues to make non-essential purchases (restaurants, events, water bottles, trips, band practice studio fees) despite being in debt and without steady income.
  • “I did go to Paris last year. And Amsterdam.” [75:25]
  • Caleb: “What is wrong with you? You can't afford [that].”
• Financial Score: At episode's end, Caleb assigns Naomi a Hammer Financial Score of 0/10: “Over the balance on all [credit cards], no emergency fund, you took out your retirement, real estate 0 out of 10...You’re a failure.” [90:41]

Relationship & Family Dynamics

• Father’s Role: Naomi’s father is a construction worker helping to subsidize her lifestyle and, more recently, her boyfriend's employment as well.
• Family Abroad: Naomi helps send money overseas (Venezuela) for her mother’s living expenses, despite her own lack of income.
• Boyfriend: They have been together since 2017, now both living with her father. They have no plans for marriage or asset unification due to debt concerns.
  • Caleb: “You guys are failures. And I’m going to call it as I see it. Cause I don’t want you to think you’re successful when you’re not. Because then it just allows you to stay in that cycle forever.” [41:11]

Notable Quotes & Memorable Moments

• Opening Tone-Setter:
  Caleb: “You are a failure.” [00:00]

• On Excuses and Avoidance:
  Caleb: “You always work on trying to work but you never accomplish anything.” [13:25]

• On Illegal Home Businesses:
  Caleb: "Is that city-approved, permit-approved, is that a legal operation?" [03:25]

• On Enabling:
  Caleb: “He’s making sure you’re never able to be independent for the rest of your life, which is horrible for your future.” [55:22]

• On Spending While In Debt:
  Caleb: “You cannot fund this. Your dad can. You cannot. You don’t make money.” [80:50]

• Self Awareness?
  Naomi: “Zero.” [43:14]
  Caleb: “First realistic thing she said all day.” [43:16]

• On Being “Artsy-Fartsy”:
  Caleb: “Everyone like you that is in this self-help world, that is in this artsy-fartsy, all that stuff, you just work to work, but you don’t have an actual end result and it doesn’t work.” [39:37]

• Hammer Financial Score:

  • “0 out of 10. Join us in the post show.” [90:41]

Key Timestamps

• 01:01 – Naomi introduces herself.
• 02:01 – Naomi reveals she moved in with her dad due to finances.
• 10:25 – Caleb admonishes Naomi's claim of offering “therapy” in her services.
• 13:07 – Caleb calls out Naomi’s lack of execution.
• 25:24 – Naomi recounts reasons for quitting multiple jobs.
• 32:04 – Spending breakdown, $1,100 monthly car payment, excessive subscriptions.
• 41:11 – Caleb explicitly calls the couple “failures” to break denial.
• 55:17 – Caleb summarizes advice: quit failed business, get a job, use a budget, pay off debt.
• 63:17 – Naomi’s failed attempts at balance transfers add to her debt cycle.
• 74:44 – Another over-maxed credit card, continued purchases.
• 90:41 – Hammer Financial Score: 0/10. Major financial wake-up call.

Overall Tone & Takeaways

• The episode was a mix of tough love and comedic jabs, with Caleb emphasizing accountability and the dangers of endless avoidance and enablement.
• Naomi demonstrates considerable self-reflection but defaults to deflection (“I’ll figure it out,” “I need to look into it”) and lacks concrete plans or discipline.
• Caleb’s core advice:
  Stop enabling, quit the “fake entrepreneur” mindset, get a regular job, budget aggressively, pay off debts, and only revisit creative endeavors as hobbies until solid financial ground is established.
• The conversation ends with a call for Naomi’s father (“Daddy needs to cut you off”) and boyfriend to join the post-show for a deeper intervention.

This episode is a must-listen for anyone struggling with entrepreneurial dreams, avoidance, and financial enablement — with plenty of Caleb’s signature tough love to drive lessons home.