She Destroyed My Sanity | Financial Audit

Summary

Financial Audit Podcast Summary

Episode Title: She Destroyed My Sanity | Financial Audit
Host: Caleb Hammer
Guest: Parker (34, Central Valley, California)
Date: August 7, 2026

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Overview

In this intense and often confrontational episode, Caleb Hammer sits down with Parker, a 34-year-old former 911 dispatcher from California’s Central Valley, for a raw financial audit and a sometimes heated discussion about personal agency, workplace trauma, generational expectations, and political worldviews. Parker explains her journey from owning a home and working in public safety to living with her parents and struggling to find direction amidst financial setbacks and ideological disagreements with her family. Caleb, with his signature bluntness, frequently challenges Parker's narratives, focusing on issues of personal accountability, career missteps, and broader economic and societal debates.

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Main Discussion Points & Insights

1. Background and Current Financial Situation

• Parker’s Job & Income:

  • Currently works customer service at a plumbing company, earning $25/hr, 40 hours a week.
    • “How the are you living in Central Valley, California?- I live with my parents.” (02:18)
  • Recently transitioned from a public sector career in emergency dispatch.
  • Lives with her parents after selling her house due to unemployment.

• Previous Career:

  • Former 911 dispatcher; left after participating in public protests for better pay and conditions.
  • Became the public face of the dispatcher’s complaints, leading to being blacklisted in local departments.
  • “I may have caused some waves… I kind of became the face. And I think I'm kind of blacklisted now.” (03:23)

• Financial Fallout:

  • Sold home, walked away with ~$25,000, now in savings.
  • Has several debts (credit cards, car loan), making monthly payments.
  • Feels like a “guest” in her parents’ house, emotional conflict ongoing.

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2. Career Missteps and Accountability

• Advocacy Backfired:

  • Took a stand at city council/local news for dispatcher pay.
    • “We went to city council meetings and told them they needed to pay us more. In-N-Out workers were making more…” (04:15)
  • Afterward, found herself unemployable locally due to her public profile as a "troublemaker."
  • Caleb: “No way you're surprised that no one would hire you after that. You're a risky employment.” (06:22)

• Attempted to Transition:

  • Jumped to a better-paying dispatch job, but struggled with mental health, couldn’t adapt, was fired during probation.
  • Did not communicate her issues to supervisors or take all available support.
    • Caleb: "If you didn't advocate for yourself, then I can't have sympathy. …I'm sorry if in seven months… they didn't once go to their boss… you cannot be surprised at the consequences." (15:54)

• Mental Health and Trauma:

  • Suffered from PTSD after traumatic calls and personal connections at work.
  • Acknowledges failing to seek or access mental health resources fully:
    • "I know that I should have gone. I knew it was a resource, but it didn't feel accessible." (25:56)

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3. Family, Upbringing, and the American Dream

• Parental Influence:

  • Parents pressured her to buy a home as part of the expected life path (“American Dream”).
  • Feels ambivalent about the experience, even after selling her house at a profit.
    • “They like push me…‘You should buy a house.’ I'm really good at doing what you're supposed to do.” (30:44)
  • Caleb repeatedly points out this led to financial gain, questioning her complaints.

• Political Identity & Blame:

  • Parker repeatedly references her family’s politics (“MAGA”), sometimes tying that to her personal resentment or challenges.
    • “My MAGA family made me buy it.” (29:01)
  • Caleb: “It’s always someone else’s fault with you, isn’t it?” (31:10; 32:51)

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4. Broader Societal and Political Conversations

• Systemic Misogyny & Racism:

  • Parker claims the US is systemically racist and misogynistic today, struggling to give concrete present-day examples.
  • Caleb pushes back hard, offering counterpoints and demanding specifics.
    • “All that matters is today. Why do you care about 1803?” (44:02)
    • “If you're calling the entirety of the United States today racist and misogynistic, that's pretty extreme.” (49:40)
  • Parker references representation gaps in government and historic inequalities.
  • Much of the debate centers on whether historical issues are still dominant today.

• Corporate America & Tax Policy:

  • Parker criticizes tax breaks for corporations, points to Amazon and Chase.
  • Caleb counters by explaining tax policy details and correcting misconceptions.
    • “They went to a new area and reached a deal with a city?” (55:40)
    • “You want to punish [Amazon]?... they pay great taxes now.” (57:14)
  • Larger debate about who pays taxes, how corporations affect communities, and infrastructure responsibilities.

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5. Current Finances & Budget Breakdown

• Debt:

  • Holds credit card debt (Disney, City, Wells Fargo cards), a car loan on an Audi ($16,650 owed, $785/month), and owes her mom $1,400.
  • Incurs fees and interest through balance transfers and “avoidance” spending.
  • Noteworthy expenses include Disney trips, DoorDash, frequent fast food, streaming services, and car insurance.

• Income & Expenses:

  • Brings in about $3,100/month, pays $500 in rent to parents (covers utilities).
  • Car payment, insurance, medical expenses, and food take up most of the budget.
  • Regularly eats out, doesn’t cook, admits difficulty breaking the cycle.

• Savings & Retirement:

  • ~$4,000 in one savings account, more in a separate account (from house sale, amount unstated).
  • Has small retirement accounts ($400, $8,000, $12,292 in different accounts), behind for her age.
  • No current real estate holdings.

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6. Self-Sabotage & Emotional Dynamics

• Recurring theme of self-deprecation and lack of agency.

  • “I already feel like a loser. I already know all of that.” (75:44)
  • “I feel stuck and I don’t know how to [move forward].” (77:42)

• Emotional effect of living at home, feeling like a burden, and parental tension.

  • “My dad makes comments all the time about me being there.” (76:23)

• Caleb persistently pushes Parker to accept personal responsibility, plan, and act instead of defaulting to blame or inertia.

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Notable Quotes & Moments

• On Being Blacklisted After Protests:

  • Parker: “I may have caused some waves… I kind of became the face. And I think I'm kind of blacklisted now.” (03:23)
  • Caleb: “You went to news stations, you’re causing a ruckus. Who would want to hire [you]?” (06:22)

• On Trauma at Work:

  • Parker: “My friend got stabbed while we were working… I was the dispatcher on it.” (09:51)
  • Caleb: “You knew the next day he was alive. So when’s the last time you worked in law enforcement?” (27:13)

• On MAGA Parents and Agency:

  • Caleb: “How is it your MAGA family's fault?” (29:01)
  • Parker: “They like push me... ‘You should buy a house.’ ...I’m really good at doing what you’re supposed to do.” (30:44)
  • Caleb: "It's always someone else's fault with you, isn't it?" (31:10; 32:51)

• On Systemic Issues:

  • Parker: “We're built on a patriarchy.” (36:46)
  • Caleb: “We're literally—I’m being pushed to hire a less qualified person because they're a woman. Where’s the misogyny?” (37:19)
  • Parker: “In elected office, women make up 50% of the population but only hold like 30%.” (38:00)

• On Self-Perception and Cycles:

  • Parker: “I feel stuck and I don’t know how to [move forward].” (77:44)
  • Caleb: “Only you are allowing yourself to be stuck. ...This is on you.” (77:45)

• On Spending & Debt:

  • Caleb, reading credit card charges: “She’s trying to avoid the interest. She’s financially smart, which is why she went to Boardwalk Pizza, Churro, Bayou, Timland, Popcorn Lockers, Disney… DoorDash… That’s being financially smart.” (74:22)

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Timestamps for Key Segments

• [02:12] – Job & Living Situation
• [03:23] – Becoming Blacklisted After Advocacy
• [09:51] – The Traumatic Dispatch Call
• [14:00] – Mental Health, Not Seeking Therapy
• [29:01] – Parental Influence and Blame
• [36:46] – Systemic Patriarchy & Political Beliefs
• [44:02] – Focus on Present vs. History in Social Issues
• [55:00] – Corporate Taxes Debate
• [74:22] – Microscopic Financial Audit: Credit Card Charges
• [76:23] – Emotional Strain of Living at Home
• [77:42] – Feeling Stuck and Seeking a Plan

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Conclusion & Caleb’s Advice

• Parker is encouraged to:

  • Sell her expensive car and buy a cheaper one.
  • Use the bulk of her savings to wipe out high-interest consumer credit card debt.
  • Update her resume (with tech help if needed) and broaden job search, possibly outside California for opportunity.
  • Take concrete steps for greater personal responsibility and agency, rather than blaming external factors.
  • Focus on practical job skills and immediate actions over political or existential frustrations.

• Final Hammer Score:

  • Overall: 3/10 (Emergency fund and some retirement savings are rare positives on the show)
  • “Get your Hammer financial score at calebhammer.com—it’s free. …If you don’t want to be like a guest who ends up on this app, stop scrolling Reddit and TikTok clearly.” (61:38)

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Tone and Style

• The conversation alternates between combative and sincere, with Caleb’s directness sometimes bordering on harsh, but often exposing deeper truths and inconsistencies in Parker’s story.
• The episode is rich with social commentary, pop culture references, and sharp one-liners, providing both entertainment and sobering lessons in personal finance and accountability.

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TL;DR

Parker’s story is a cautionary tale about self-sabotage, unprocessed trauma, and the dangers of blaming external factors for internal struggles. Caleb Hammer’s no-nonsense approach highlights the need for self-advocacy, practical skill-building, and honest self-assessment on the road to financial (and psychological) recovery. This episode is especially illuminating for listeners seeking clarity on navigating career setbacks, avoiding victimhood, and the concrete daily choices that impact long-term financial health.

Transcript

[A]

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[B]

Veris 18 to watch episodes of Financial Audit a week earlier. Check us out on YouTube. Lady goes on local news, multiple city council meetings, is the face of it. Next place gets fired cause she's bad at her job and now she is shocked that she cannot get hired. How is it your MAGA family's fault?

[C]

We're built on a patriarchy.

[B]

It's always someone else's fault with you, isn't it?

[C]

No.

[B]

Oh no, no. If you're calling the entirety of the United States today racist and misogynistic, that's pretty extreme.

[C]

These are the only people of color.

[B]

All that matters is today. Why do you care about 1803? Why does a year that we did not live in matter? I'm sorry I was on your side and you it.

[C]

I need to get out of there.

[B]

Listen, I just launched Liquid Assets, my official Gamersupps flavor raspberry apple at less than 40 cents a serving. It's also zero sugar in under one calorie. Use code Caleb for 10% off your entire order. Oh, and one out of every 10 tubs has my face printed right on it. Grab Liquid Assets @gamer subs gg caleb or the link in the description and pin comment below. This is the best drop Gamer Subs has ever run. Link in the description.

[C]

Hi, I'm Parker. I'm 34 and I'm from California. Central Valley. This is financial audit.

[B]

Yes, it is. Thanks for coming over to Austin like everyone else from Central Valley, California. What do you do there for a living? Expensive California.

[C]

Notoriously not my part of California.

[B]

Well, it's going to be still expensive compared to the United States, right? True.

[C]

I work in a plumbing office. I do customer service now but I was before we got do customer service.

[B]

Yeah, that's the job. Customer service. There it is. So what do you make doing customer service?

[C]

$25 an hour.

[B]

Okay. How the are you living in Central Valley, California?

[C]

I live with my parents.

[B]

34.

[C]

Yeah, it was a backslide.

[B]

Backslide from what?

[C]

From owning my own house and two cars.

[B]

You owned a house and you backslid a living in?

[C]

Yeah.

[B]

How Many hours a week do you work?

[C]

40.

[B]

So what is your net take home per paycheck and what is that per paycheck Cycle.

[C]

I get paid every two weeks. And it was when I got my first paycheck with the new company, it was 15.

[B]

Me. Good. What? Dude, what was your job? What was your job when you had your house? And why the aren't you doing that now?

[C]

I was a 911 dispatcher. I was a 911 dispatcher.

[B]

Go dispatch 911. Trust me, there's lots to call the cops on over in California. They'll just let them back out again.

[C]

I'm trying. I'm actively applying for other departments.

[B]

Why? Well, wait, no, why. Why aren't they accepting you into these positions?

[C]

I may have caused some waves when I left my.

[B]

Oh, for sake. What the did you do? What did you do?

[C]

It wasn't just me. It was all of dispatch. But I kind of became the face. And I think I'm kind of blacklisted now. I've applied at every department in my area and interviewed at all of them, and they.

[B]

So you're done?

[C]

Yeah.

[B]

What can you do now?

[C]

What's the different department?

[B]

No, you're blacklisted.

[C]

But if I go out of the area.

[B]

Oh, you mean that department. Well, okay. Well, how far out is out of the area? You can't afford to go move to a different area. You live with your parents right now. How bad was it?

[C]

It was really bad. Tell me detail like what we were doing or we went to city council meetings and told them that they needed to pay us more.

[B]

Oh, okay.

[C]

Because In N out workers were making more money starting the institution.

[B]

Okay, then go work for In n Out. You know, you have that choice as a person in the marketplace to go make more money at a different job. The reason they're paying that much is because that's what the market demands. Go get a better job.

[C]

I was trying.

[B]

No, you weren't. You were trying to get more money for your job when the market didn't demand more money for your job.

[C]

Well, I left there to another department and was making more money.

[B]

Crash out the crash. I was just going to city council.

[C]

We went to several city council meetings, and I kind of became the face of. You became the face unintentionally.

[B]

Did you do. Come on, what did you do?

[C]

Spoke more directly than everybody else.

[B]

Come on, woman, give me insights here. If this is what his career.

[C]

The vice mayor was a law enforcement officer, and I asked him directly during a council meeting if in his Experience. Isn't your dispatcher the most important person? And how do you do your job when you don't have any? Because we're all leaving.

[B]

Yeah, I could see why no one would want to hire you. Why would they want to hire you? And your name will likely pop up. I mean, I have an article here, for example. I bet your real name is in here.

[C]

It is.

[B]

Okay, well, what the. Yeah, I mean, this is in. Several of them stood before the city council at two consecutive meetings to explain their employment woes. Three Ended up being three after this article. Right?

[C]

Consecutively.

[B]

Almost two years ago. Oh, almost three. Wow. Okay. Okay. Well, why are you surprised? Wait, so you haven't. So it's been three years since you've made money?

[C]

No.

[B]

Okay, well, you should have upgraded your skills and figured it out and went and got a different career at this point. Well, when did you lose that job? Then

[C]

left that department.

[B]

Okay, you didn't just go to city count. You went to several local news stations. Why are you leaving shit out?

[C]

One, maybe two news stations, huh?

[B]

Yeah. You're going out in tv. Yeah, but no offense, anyone does that here, they're dead. And then I post about them once a week forever.

[C]

Okay, but it's all.

[B]

And destroy their lives anyways. Huh?

[C]

Everything that we shared was public record anyway.

[B]

Sure, but you were out there making. No, but just no. No way. You're surprised that no one would hire you after that? You're a risky employment.

[C]

Yeah.

[B]

You're not entitled to employment. Well, you're a risky person to hire.

[C]

It felt supported us, huh? The chief supported us. He was like, yeah, go for it.

[B]

Like, you guys probably didn't want trouble, honestly. Right.

[C]

The whole department.

[B]

What was the big complaint?

[C]

Mostly money.

[B]

Okay.

[C]

Lots of overtime.

[B]

Get a different. I'm so confused. Listen, I'm not opposed to. Because this was working for the public. Right. I'm not opposed to unions in general as an overall concept, but mostly in the private marketplace where people can unionize. Public unions are horrible. The teachers public unions have destroyed public school. The public unions of transportation in New York City. When Mondani, who I don't agree with on everything, wanted to do faster buses, they protested that because that would be less overtime for them.

[C]

They're anti progress as a first responder. Those as a public good, though, as a first responder, those employment laws don't apply to us. So without a union, we're not.

[B]

Employment laws.

[C]

Any employment law.

[B]

Yeah, but you essentially came together.

[C]

Yeah. We're not entitled to overtime.

[B]

It's good that you didn't have a union though. Unions make it impossible for bad cops to be fired. Like bad teachers to be fired. Public sector units, impossible to automate our ports and get modern technology. Private sector, it makes more sense in the public sector. It's insane. So I'm glad you guys didn't. We were glad you didn't.

[C]

We were.

[B]

But you were basically acting as one.

[C]

We were union.

[B]

Yeah. Oh, you just said you weren't.

[C]

No, we were.

[B]

Oh, what the you saying then? No shit. I. Hey, I'm glad you lost your job then. They always hold back society in the public sector specifically because you can't allow any public good to ever become better.

[C]

I left there for a better job.

[B]

What was your better job?

[C]

Same thing, but I was making $56 an hour.

[B]

Okay, that's great. See, look how it works in the market. There was a job with more pay.

[C]

But I like my department.

[B]

Doesn't matter. Doesn't matter.

[C]

That was the point.

[B]

If you don't want to leave, then they shouldn't pay you more.

[C]

We didn't want to.

[B]

You didn't want to leave? They wouldn't have to pay you more. You took a job with better pay. You did with the market.

[C]

Because we had to.

[B]

You didn't have to.

[C]

Our department is the lowest paid.

[B]

Yeah, but you didn't have to.

[C]

You chose the three surrounding counties.

[B]

Congratulations. And yet people still work there.

[C]

So you chose not very many of them.

[B]

But guess what? When there's even less and less, they will be forced to pay more. Guess what? Law enforcement here in Austin we are horribly short staffed. So there's like 50, $60,000 signing bonuses and every person makes over six figures who's working in law enforcement or police officers.

[C]

The city is now having financial issues.

[B]

Yeah, well, that happens when you're a poorly run city, which many cities over there are. So no one's really surprised by that. But are we really shocked Again, you went to news stations, you're causing a ruckus. Who would want to hire. But what happened? You're in this other place, you had a good paying job. What'd you that? How'd you that?

[C]

You're on probation for 18 months. And I it up at my old department. I was working so much overtime that I didn't have time to realize that I had a bunch of shit that I didn't deal with.

[B]

Oh, like what? Oh, here we go. What didn't you deal with?

[C]

My friend got stabbed while we were working.

[B]

Well, that's not good. You should call. You should Dispatch the cops to them.

[C]

He was a cop.

[B]

Okay. You should dispatch a second cop.

[C]

I did. I was the dispatcher on it.

[B]

Okay, that's good. So that's sad.

[C]

The department failed us.

[B]

What. How about how, like what happened?

[C]

We just had no support.

[B]

That's sad. I have said there's.

[A]

There's.

[B]

It's a. Yeah.

[C]

Like, I got. Well, I had relief come in and they just sent me home. And nobody was like, hey, let's debrief before you leave.

[B]

I mean, yes, that's. That. That is nice. And I would like that. And I would advocate for that as an employer. I would. Unfortunately. I mean, I will just say in. This is brutal reality. In most jobs, when someone loses a

[C]

friend, we have a therapist on staff.

[B]

Okay. But most jobs don't, is what I'm saying. And I know you were more intimate with it, with the dispatching situation, so I'm on your side on this. I'm just trying to. Yes, I am. I would.

[C]

Again, sounds like you don't support whistleblowers.

[B]

Whistleblowers? What are you talking about, whistleblowers? She was asking for more money and other.

[C]

There were other issues. There were.

[B]

I asked for the issues. Money.

[C]

I asked for the money was the biggest one.

[B]

So shut the up, whistleblower. You're not. You're not Snowden. I don't know what you're talking about, but yes. No, I am in your side. Because I'm saying if I was an employer, I would have made sure you got all the help possible. I am trying to compare it to the overall 95% of jobs. It wouldn't have happened anyway.

[C]

Do people get stabbed here?

[B]

No, but people that they're close to get stabbed. So, yes. People lose family members and friends all the time. Yes. You are more intimately involved in that. Again, I am on your side here. I'm just trying to make a comparison where it's like, that wouldn't have happened pretty much anywhere. Okay.

[C]

I.

[B]

Good one, I guess. But.

[C]

Okay. What happened Owed.

[B]

Yeah. That's an issue. I wish they did. They didn't.

[C]

Yeah.

[B]

Wouldn't have happened in both places, but so what. What's. What's next step is next step. Lose our entire life because you did. And that's your choice in the end.

[C]

I tried really hard to find another job and.

[B]

Well, why did you have to find another job? I'm confused.

[C]

Any job. Because the job.

[B]

Go back to that job.

[C]

The job. They won't hire me. No.

[B]

No. Why'd you get fired? You didn't Say why you got fired. You just said you went home one day after your friend got stabbed.

[C]

No, no, no, no. I left that department because of all of the issues we were having. Went to another issues.

[B]

You keep saying these generic terms.

[C]

I. We were getting paid shitty.

[B]

But the one where you made $53 an hour.

[C]

No, the one before that.

[B]

No, I'm talking about the $53 an hour one.

[C]

Yeah, okay, that one. I just. It didn't work out. The department was bigger than I expected it to be.

[B]

What it.

[C]

So I went from.

[B]

Wait, which one did your friend get to have that?

[C]

My first department.

[B]

We were on the second department. Why are you bringing that up? For tears. No offense. I mean, I'm. Listen, I was on your side for the tears for a second, but go your tears there because we were literally talking about your second job. Why, when I brought up. Why, When I brought up, why did that job not work out? You immediately bounced back to your first job to get some tears and sympathy. No, I'm sorry. I was on your side and you. It. So what happened with the second job was my damn question.

[C]

So at the first department I was working. No, listen, I was. I worked in one in my last full year there. I worked 632 hours of overt.

[B]

Yeah, well, that's great. For your first job. Let's hear about the second one.

[C]

When I went to the second one, all of that time that I didn't have to process, all of the shit that I dealt with, that all came up in all the free time I had because I wasn't working overtime.

[B]

Go to therapy.

[C]

I am. Well, then I wasn't aware of therapy. No, I wasn't aware I had issues.

[B]

You weren't aware of therapy?

[C]

I wasn't aware that I was physically up in the head.

[B]

Well, how'd that impact your job? If you weren't aware that you should get therapy, then how the. Were you having issues? I'm so confused.

[C]

Because when I had more time, it like.

[B]

Sure. And that's when you realize you have issues. So go to therapy.

[C]

Yes, but my job was suffering because of it.

[B]

Okay, but how long?

[C]

I was only there like seven months.

[B]

Well, that's a long time.

[C]

It's not. Not in law enforcement. Not in law enforcement.

[B]

Oh, shut the up. That's a long time to realize you have issues and try to seek some help. If you don't at that point, I'm sorry. That is your fault for not seeking help. I mean, again, I. I'm on your side. Where I wish they Helped you. And I was advocating for therapy. Big therapy advocate here. Okay, but if you literally chose for seven months of knowing you were struggling to not get therapy.

[C]

No, I was.

[B]

What? You just said you were.

[C]

No, I was getting like working on getting help, but it took me.

[B]

What's working on getting help? I believe you can get therapy in about now.

[C]

Realizing that I had issues.

[B]

How long? How long did that take?

[C]

It took a minute to like for the shit when you start taking, you're

[B]

going to make me look like an asshole. But come on, I can read right through this.

[C]

When you're taking calls that trigger other

[B]

previous you said you were struggling with your free time, not with the calls you had. So now you're saying something different.

[C]

It all relates because you.

[B]

Okay, so you couldn't do that job in dispatch.

[C]

You have to compartmentalize that. Like, okay, I worked this call, my friend got stabbed. Put that away onto the next thing. Now when I'm taking other calls, all of that shit that I didn't deal with, now that I'm not as busy,

[B]

I'm like, so seven months, why didn't you deal with it?

[C]

I was getting there.

[B]

What is getting there? Where were you?

[C]

Realizing that I had issues.

[B]

You figured that out? How many months in did you figure out issues? Huh? Huh?

[C]

It took a couple.

[B]

Okay, two months in. There you go. You had five months more therapy you can get tomorrow. So what's the issue?

[C]

I was doing that. Okay, but you still have to work through shit.

[B]

Yes. It's not an instant fix. That's true. But also administrative leave, different things.

[C]

I was on probation.

[B]

Did you specifically go to your boss and ask for help and say what was going on?

[C]

No.

[B]

Then, okay, then it was a different boss. Then can I.

[C]

What? What?

[A]

No.

[B]

You will have a different boss at every company ever. I'm sorry. If you didn't advocate for yourself, then I can't have sympathy. I was gonna have sympathy. I was having sympathy throughout that even though I was trying to poke holes. Cause I was like, oh, she definitely seems like a person that's a victim always. So the. So I knew there was gonna be something there. I'm sorry if in seven months of someone having an issue, they didn't once go to their boss who's responsible for their employment and say I'm struggling cuz my friend from my previous dispatch job got shot, I think the dispatcher boss might have some sympathy. And you choosing to not do that and to advocate for yourself once, you cannot be surprised at the consequences. And it's hard for me to feel bad about those consequences. I feel horrible for your friend and what happened? Did they die?

[C]

No, he ended up being fine. But I'm really trying to be the

[B]

most sympathetic person in the world. You are taking everything from me. You're taking everything from me, thinking everything. Stop it. Stop it. I'm so glad he's alive. But he should have died for the sake of your tears. Like. Well, like. So what, seven months? Wait, how quickly did he come back?

[C]

It was a couple months.

[B]

Okay, when did you know he was going to be alive?

[C]

When he texted me the next day to. No, listen.

[B]

So seven months of struggling in the next job, you got to text the next day?

[C]

He texted me the next day. That was the first I heard anything. And he was the only person who did any sort of like, hey, what happened last night? Are you good?

[B]

I get that.

[C]

But that's crazy that the only person who asked was the officer. I agree.

[B]

But dude completely survived. Next day was totally fine.

[C]

I went back to work the next day.

[B]

Yeah, but seven months later in your new job, you're saying you're struggling. No, I think you just. You are a struggle at that point. You're a struggle. It wasn't the trauma from that, it

[C]

was compounding trauma from a bunch of events.

[B]

But this is starting to sound more like TikTok trauma than real trauma.

[C]

No, I worked a. I worked a bunch of crazy shit in the span of my last year there and I worked dispatching. Yeah, my last.

[B]

Pause, pause, pause.

[C]

Real quick.

[B]

No, no, I'm gonna let you finish. I'm going to let you finish. Can I just have a quick thing? Quick thing.

[C]

Relax.

[B]

Quick thing. You experienced a bunch of crazy shit in dispatching.

[C]

Yes.

[B]

No shit, that's dispatching. Do a different job.

[C]

I worked 632 hours of overtime that year. I didn't have time to process any of it.

[B]

Okay, yeah, yeah, yeah, sure.

[C]

I worked seven days. I was working 60 hours. I promise you could finish a week.

[B]

I never let women finish, finish.

[C]

It's the vibe you give.

[B]

Well, I struggle with the mission. Gotta really get in there. No, no, no, I do fine. Finish yourself. Says myself. Self appointed, just like your victimhood. Continue, please. You said you could finish.

[C]

I have been diagnosed with ptsd. Yeah, yeah, I know.

[B]

Anyone can get diagnosed with ptsd, but

[C]

it was the first place I ever worked and the department very much pushes things off that I didn't know that I was having issues. God damn it.

[B]

That's what I'm saying. No, no, no, no. I mean I feel, I feel. Trust me, I. It's an incredibly difficult job. We need big support for dispatchers. There's. What you are seeing is not unreasonable at the fact that we need better support for dispatchers. That's not unreasonable. But your swings, your swings at victimhood and losing everything here are so much more dramatic. But the fact that the dude texted you in the. That he survives, when you know, in this conversation, before I ask that you made it sound like he was dead. And you were struggling with that seven months later in your new job, with the way you present information and the way you think about your life. You are victim to the extreme. That is a hard job. People deal with some crazy shit and they need support. And let's advocate for that together. But don't over sensationalize your existence. You should. You should have immediately said that that dude survived.

[C]

I went home not knowing.

[B]

No, but you knew the next day. You should have immediately said in this conversation the dude survived. Cause you know, the way you set it up, you made it sound like he was dead. Because you more prefer the attention of being a victim.

[C]

Don't I? Actually, my mom brings this story up all the time to people. People are like, oh, it's the craziest call you've ever taken. Oh, tell them about this. Why would you say that?

[B]

Like, did you tell your mom not

[C]

to say that anymore? I have, and she still says it sometimes.

[B]

And tell her she's a. I don't know, she shouldn't say it anymore.

[C]

She is.

[B]

At least you advocated for yourself for the first.

[A]

This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a 50 page restoration block. Or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it, ready to make anything online make sense. There's no place like Chrome. Check responses set up required compatibility and availability various.

[B]

18 having your life. I'm sorry, I mean, you're in your upper 30s at this point. Like, I mean, you're not a child.

[C]

Damn.

[B]

Well, you're 37. Upper 30s.

[A]

34.

[B]

My four looks like numbers are hard. No, my four looks like a seven. Okay, 34, you're fine. I mean, it's just like. I'm just saying, like, if you can't advocate for yourself at this point, it's like, what are we doing right? You got to learn that at some point or else you just can't put yourself in situations where you have any kind of. Where there might be complications.

[C]

I'm really good at compartmentalizing and that's what I did.

[B]

Are you.

[C]

Or did you hear about car? No.

[B]

Did you hear that word on TikTok and you're just hearing everything on TikTok and you're diagnosing yourself with it?

[C]

No, I've always.

[B]

Because anyone can have PTSD from the situation, get diagnosed. That's so easy. You have no idea how easy it is. People can get PTSD for everything. Which I'm not even saying you don't. But the fact is it's just really hard to respect as a term today because of how easy it is to get diagnosed. And we know the dude literally survived. Then you woke up the next day with a text, I'm alive. Oh, you stayed up all night. Okay.

[C]

No, it was like well into the day.

[B]

Oh, my bad. I'm sorry. You're right. You know what? You're right. That is absolutely tragic and just as bad as him dying. I'm being told you actually never went to the therapy that was provided.

[C]

Work therapy? No, because it. I didn't have time to with work.

[B]

Well, they provided therapy, but because of your schedule.

[C]

You didn't go because I was working. No, no, no, no.

[B]

You know, she made it sound like earlier, just like. Again making it sound like he died. She made it sound like they didn't provide.

[C]

I said they provided it. I said we had a therapist.

[B]

You said there was a therapist, but you made it sound like they didn't provide the support. You didn't go.

[C]

Had a therapist on, like.

[B]

But you didn't go.

[C]

When was I supposed to go? Okay, I was working 12 hour shifts,

[B]

six days a week, perfect seventh day.

[C]

When she. I don't know how. She's a law enforcement therapist because her schedule doesn't work like that.

[B]

I'm going to be real with you. Your debt is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans and collections, whatever. Your interest rates are different, your payments are different. Your life is different. So why do you need some one size fits all solution that treats you like a number, Some generic calculator that spits out just pay more. As if you hadn't thought of that already. That's what sets PDS apart. They don't just look at your balance and say, good luck. They work to understand your specific scenario and help provide alternative solutions to becoming debt free. Whether you're Struggling with credit cards, personal loans, collections or medical bills. PDS Debt has customized options designed specifically for you. Not your neighbor, not some average case study you. They've helped hundreds of thousands of people get out of debt. And here's the thing. There's no minimum credit score required. They're not here to judge you. They're not here to shame you. They're here to help you get out and help you save more. Pay off your debt faster and start putting money back in your pocket. This is a company that is A plus rated by the Better Business Bureau, boasts thousands of five star reviews on Google and holds a five star rating on trustpilot. That legitimately matters. Here's the thing. If I needed help paying off debt, this is exactly where I'd go for help. You're just 30 seconds away from being debt free with PDS debt. Get your free assessment and find the best option for you right now at PDS. That is pdsdebt.com hammer pdsdebt.com hammer you suck with money. So you download a budgeting app. You start with the classic one, Ynab, but everyone just deletes it because it's way too complicated to use. So you go to everydollar. That's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal. Finances. Rocket Money, they got a lot of commercials, but. 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 dollar wise. 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 free trial Dollarwise.com link in the description below. Huh? Okay. 12 hours a day. 13th hour. Hey, girl. If you're in that much of a Crisis, I'm sorry. 12 hours a day. Those are difficult shifts. You have another 12 hours in a day. I'm not saying. I'm not saying it's easy. I'm not sitting here saying it's easy, but you making it sound worse and then literally not doing the one basic thing. One basic thing. And blaming them for it. Come on. Right? Am I wrong?

[C]

No. I know that I should have gone.

[B]

Well, there we go.

[C]

I knew that it was a resource, but it didn't feel accessible.

[B]

Oh, it didn't feel. Now it's feel. Ladies and gentlemen, we got the feelings over the objective reality. Good death woman. What the do I do with you I can't deal with?

[C]

I ask myself every day.

[B]

I didn't. Well, you gotta stop being introspective. You gotta stop asking yourself shit. You just need to live. Dude, you're. You're. You're thinking way too much about your shit. My own watering. You're in your own head. Where do you get stabbed?

[C]

Where?

[B]

Why?

[C]

It was a stuff that was technically a robbery.

[B]

Okay, well, I'm glad he's alive.

[C]

It was a loose robbery, but it technically was a robbery. He. The guy actually ended up getting charged with attempted murder of an officer.

[B]

Yeah, as he should have.

[C]

He.

[B]

What was he robbing a quick stop

[C]

and he stole potatoes? No, like the.

[B]

The packs of donuts broke us tabbed over donuts. Will this work for you? I can't seem to find my license, but.

[C]

And a brisk and I think single pop tarts out of the pop Tart. Pop Tartar.

[B]

And where did he get stabbed in the head? Oh, that's a big one. That's in the no no area. Yeah, but you knew the next day he was alive. So when's the last time you worked in law enforcement?

[C]

November 2024.

[B]

Okay, two years ago.

[C]

Yeah.

[B]

You don't still claim law enforcement like discounts, do you?

[C]

I will use my discount if it is online, I don't ask for it.

[B]

You got fired, girl.

[C]

Fired.

[B]

Okay, Second job. Still you haven't told me what happened to that.

[C]

The department was bigger than I expected. I went from dispatch. No, listen. The city population was 150,000 people and it doubled during the day because of the large businesses in the city. And I went from dispatching just police to police, fire and ambulance. And I was overwhelmed. It was.

[B]

I was working only 40 hours a week at that point though. Then as you say.

[C]

Yes, but the call volume was more than I expected. Like.

[B]

So you left?

[C]

I was released from probate. Released from probation is the technical term.

[B]

You got fired?

[C]

Yeah.

[B]

Okay. And after that point is where you're saying they will not hire you anymore anywhere.

[C]

At that time I was at a. Another department. Like per diem.

[B]

What?

[C]

Yeah.

[B]

So even still you got hired at that point?

[C]

No, I was hired there before I was per diem. So like when they needed coverage and I just went there full time time.

[B]

And what happened?

[C]

I have no idea, actually.

[B]

No, no, no, no. Did you get fired?

[C]

I came in one day and they Said we actually don't need you anymore. Oh, well, that might be fair, but like nothing happened. I didn't.

[B]

Well, no, no, no. You're per diem. Then you decided to go full time. Maybe they didn't need it. That's fair. I mean, that's reality.

[C]

Yeah.

[B]

Especially with government budgets. Local government budgets. Very difficult.

[C]

It's a super small town.

[B]

Exactly. Very difficult. Okay, so lady goes on local news, multiple city council meetings is the face of it. Multiple news reports. Very good. Next place gets fired because she's bad at her job. Blame whatever reason you want. And now she is shocked that she cannot get hired in this, by the way.

[C]

I'm not shocked by the way. I know, I know.

[B]

I want to go back. Have you, have you not express expressed the amount of trauma that you get from this job? That is a crazy job. I don't think you're fit for it. Why would you want to go back? And it's not our responsibility at this point to take care of you if you get, if you deal with an issue there. If you keep going back, you're the abused wife that keeps going back. Don't.

[C]

I really enjoy it. And I know it's complicated.

[B]

What do I do with it? No, just get another job. Fries in the bag.

[C]

I have a job.

[B]

Yes.

[C]

And I hate it.

[B]

Well, yeah, you don't really make enough. And so how'd you lose her house?

[C]

I sold my house before I lost it because I was unemployed for so long.

[B]

Did you walk away with a pile?

[C]

A little bit.

[B]

How much?

[C]

25.

[B]

Where is it?

[C]

Most of it's in a savings account.

[B]

Thank. Okay. When was that?

[C]

When I sold my house.

[B]

Yes.

[C]

August of last year.

[B]

Okay.

[C]

Is when I closed.

[B]

So since then, what has life been about? I guess you were complaining in the pre interview how your MAGA parents made you buy it. I don't know. What the, what does that have to do with it? Do MAGA parents just make kids buy houses?

[C]

No. They've always like that's what you do is you buy a house and you get married and you have.

[B]

It's America. It's pretty standard, I guess.

[C]

Yeah, they like push me. They're like, oh, you should do this, you should buy a house and okay. I'm really good at doing what you're supposed to do.

[B]

It sounds like it rewarded you. You walked away with a net gain.

[C]

Yeah, but I also live at my parents house now.

[B]

Now. But that wasn't their fault for saying buy a house. That was your fault for getting fired from a job. And going on television. That wasn't their fault for telling you to get a house. It's always someone else's fault with you, isn't it?

[C]

No, I. Oh, no, no.

[B]

Okay.

[C]

I.

[B]

How is it your MAGA family's fault?

[C]

I can fully acknowledge that I left my first apartment and I ruined my life.

[B]

Why were you complaining about your MAG of Paris?

[C]

Because I. I wouldn't have ever bought that house.

[B]

It sounds like they helped you.

[C]

Not really. They said here you should buy a house.

[B]

Good. And you walked away with a net gain. What's the, what's the complaint? I'm so confused. How does it tie into maga? I'm so confused. I'm so confused. I don't agree with MAGA and everything, of course, but how the. I'm not blaming them for this notebook

[C]

ripping just like American dream shit and

[B]

push me to do it made $40,000.

[C]

What.

[B]

What are we complaining about right now? Please walk me through it. Walk me through it. I'm gonna, I'm gonna need a little, little assistance in. I'm. I'm calling for a dispatch of assistance from you to me right now.

[C]

Like, they pushed me to buy a house and I don't think I was ready for that. Like I.

[B]

And the consequences were, were the.

[C]

That I didn't know what I was doing.

[B]

And the consequences, yes, I ended up

[C]

making money, but I wouldn't have ever bought. I hated my house.

[B]

Okay. Consequences of that were.

[C]

I don't know.

[B]

Then why are you complaining about your MAGA parents pushing you to get the house? I don't get it because I didn't want it. Then sell it.

[C]

I did.

[B]

Exactly. So why are you complaining about your MAGA parents? Parents pushing you to get this house?

[C]

I don't know. I feel like a.

[B]

Are you a leftist or something?

[C]

I am the furthest left person that I know, but I live in.

[B]

That's not a good thing. You definitely shouldn't be the furthest right or left of anyone you know, in.

[C]

But I live in MAGA country, so.

[B]

Yeah, but you're still in California in the end. But yes, you're right. You're right. It is certainly more red there. But even still in a red area, there's lots of. I'm in red Texas. There's lots of, of blue around me here in Austin. You know that's, that's not how it works, right? And even in blue Austin, there's lots of right wing people here. Like I said, I don't agree with MAG on everything, of course, but I Don't think that means being far left is reasonable. Extremism is never good. And if you're the furthest in one direction, you know that's extreme.

[C]

Furthest less when everybody I know is

[B]

MAGA girl, I'm sorry. If you're trying to blame your MAGA parents for pushing you to get a house that you literally walked away positive from and you couldn't tell me one downside. It sounds like you have some kind of derangement.

[C]

I just. I don't care to own a home.

[B]

Okay, cool. How do you. Why do you blame MAGA parents for that? Like, that's. Is that not crazy? Is that. Is that. That's like. Let me think of an example who's, like, a reasonable person on the right. A lot of all the talking heads are all extreme right.

[C]

I can't say. Do any of them exist?

[B]

Well, no. To you? No, of course not. Anyone even slightly?

[C]

No.

[B]

Center left to you is probably a fascist, but. Oh, wait, you voted for Trump in 2016, though?

[C]

Yeah.

[B]

Oh, because your parents made you what? That is. How. Do you have no agency, do you? No, girl, you're older than me. I voted in 2016. You have no agency. Who's a normal commentator on the right? Just. Let's just say, Doocy. I don't know his public opinions, but I called him to a show once. Okay. Doocy, okay. He's the correspondent from FOX to the White House. Doocy, let's say he bought a house and his parents were. They just. They voted for Obama and he said, crazy communist parents forced me to buy a house. Do you not see how that's just insane? Like, why are you attaching it to their political identity? You have to be a, like, crazy person at that point. It just, like, why do you attach their political identity to it? I don't.

[C]

Because it's the conservative American dream. Like, oh, no, it's the American dream.

[B]

People on the left want to buy houses.

[C]

But I.

[B]

What are you talking about? Like, the people on the right right now, economically, are advising actually, like, don't buy that renting makes more sense.

[C]

Like, they've always just pushed the, like, do. Do X, Y and Z. Because that's what you're supposed to do.

[B]

Force you to vote for someone. I've never.

[C]

They didn't foresee. But that's just how. Not even just me, but everybody in the area is just conditioned.

[B]

Oh, you mean during a political campaign, they campaigned for the person they wanted to win?

[C]

Not even campaigned. But just. That's how everybody's Raised all the time is conservative.

[B]

It's a conservative country here. People raised more liberal. That's not crazy. Regions have different things.

[C]

Yeah, but I was involved. I was uninvolved at that point.

[A]

What?

[B]

Just go vote for who Is that? Clinton. Who cares what you said? Because everyone around you voted for Trump. You have to vote Trump.

[C]

That's just what you can vote Clinton. That's what I thought was the right answer.

[B]

Oh, so you just thought you wanted to vote for him. Okay, so. And then you change your beliefs. Who cares?

[C]

Yeah,

[B]

I am so confused how you were complaining in the pre interview about them forcing you to do that. What the is wrong with you? What the. See? Yeah, cuz you were just going on a tangent and stuff. You're going on a tangent on the phone. I literally have your notes word for word that America is a racist and misogynist country. How are we misogynist at this point?

[C]

We're built on a patriarchy. This whole.

[B]

At this point we can always look back for all of human history 10,000 years from now. We can still look back to slavery if we want to. Does that mean that is what life is like 10,000 years from now? You're right. Women did not have the right to vote. We did not have a good history when it comes to equal rights in this country. We're talking today. How are we misogynist specifically today?

[C]

Misogyny is built into everything.

[B]

I'm literally being pushed to hire women at this company just so we can have more women. When in content, typically men work disproportionately more on the video editing side. And I am being pushed so it doesn't look sexist to hire women. We're literally. I'm not gonna do it cuz I refuse to live that way. And I'm only gonna hire people based on merit. But I'm being pushed to hire a less qualified person because they're a woman just so we can have more women here. I am being pushed internally for that. I won't do it. But that is an actual thing that has happened behind the scenes here. Where's the misogyny? You want me to hire a less qualified person because they're a woman? Then where's the misogyny today right now

[C]

in elected office, women make up 50% of the population but only hold like 30%.

[B]

Get more run for office.

[C]

That's.

[B]

It's not misogynistic that they voted for someone that they wanted to represent them.

[C]

There are a lot of people who don't vote for women. Because they're women.

[B]

Well, that's a misogynistic person. Do we have a misogynistic country as a whole? Do you think Clinton specifically lost because she was a woman?

[C]

No, I wouldn't have voted for Hillary Clinton.

[B]

Yeah, a lot of people don't like.

[A]

This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web. Like restoring a vintage motorcycle from a 50 page restoration block. Or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it, ready to make anything online make sense. There's no place like Chrome. Check responses set up required compatibility and availability varies.

[B]

18 your politicians. Her husband was already president. Even people that lean more left. I don't think Bernie, you know, nobody liked Clinton. She didn't lose because she was a woman. Kamala probably lost because she. The primary process didn't exist and people felt cheated from that. They weren't. They didn't lose because they were women. Where's the misogyny? You are going to find women literally online on TikTok just as much as those people who will not vote for men because men are evil. I will equally find that. I will equally find that. So that doesn't mean the country's anti men either. So how are we as a full on society misogynistic? Please tell me you can find individual people. You can find individual racists. Doesn't mean we're a racist country. DEI programs were very beneficial.

[C]

Not necessarily as a people, but as a collective. It is still very.

[B]

Hold on. I am.

[C]

No, not necessarily.

[B]

You just said as a collective.

[C]

No, no, no.

[B]

I'm a part of.

[C]

Not you specifically, but Brandon. Maybe Brandon.

[B]

Well, maybe Brandon. Lindsay.

[C]

No, not Lindsay. Lindsay's a girl. She's a girl.

[B]

She's a girly pop and I'm a girl's girl. Micah, is this a Puerto Rican over there? Like what is he. Okay, I'm gonna give you a chance again. How are we as a country misogynistic and racist?

[C]

It's systemic.

[B]

I'm waiting for examples of how we are. We can look back forever where in our societal DNA right now. If we were still redlining, I would agree with the racism part.

[C]

922 of the most powerful people in the country, only 180 of them are what powerful people?

[B]

What are you talking about? Are you talking about elected officials?

[C]

Elected officials?

[B]

People can run for office.

[C]

People in charge of police departments advocate

[B]

for more Women to run office. Run for office. Police departments. Obviously. Law enforcement vastly. Just like nursing heavily skews towards women. Law enforcement heavily skews towards men. That's not racist though. Tech heavily skews towards men. That's not racist. Art heavily skews towards women. That's not misogynistic or mensogynistic.

[C]

Misandrist. Yeah.

[B]

There you go. I'm not a victim. So I don't care to memorize words like that. That industries lean certain ways. Please tell me again then obviously elected office. More women. Advocate for them to run. Including on the right. Because we're about 50. 50 in terms of swinging back and forth. So you're gonna need more Republican women for that ratio to go up. Advocate. But people can still vote for who they think is the best.

[C]

And I don't think we're in a place in this country where people are.

[B]

But no specific examples. You can't actually think of a real thing that we are racist or misogynist. There actually might be real examples that I haven't thought of because this isn't my daily focus of being a victim. But I guess you just can't talk on them.

[C]

There's.

[B]

Can you. Can I have a example? Besides people running for office by choice since seven.

[C]

Since the beginning of the Supreme Court.

[B]

Okay.

[C]

All but six of them have been white men and only.

[B]

And how's the makeup today?

[C]

Only.

[B]

Cause I care about today. Women couldn't run for women couldn't vote. Yes. Okay. You can look back on the history. History bad. Not always the best. Go back to ancient Greece. Not very good either. Okay. You'll get it in every inch of this planet. Not great. Native American culture wasn't great. Lots of shaving those skulls. Not great. Eating hearts down in the Aztecs. Not the best we can apply. History was bad for all cultures forever. What about today?

[C]

Okay.

[B]

We got a black man. A Hispanic woman. A white woman.

[C]

That's it.

[B]

Ginsburg was on there. She died kind of recently.

[C]

Yeah. And was replaced.

[B]

Is Alito white? Lito. Doesn't seem like a white name. Is he white?

[C]

He is.

[B]

You consider all white white?

[C]

I think so.

[B]

Nobody's like Italian after 9.

[C]

11. That is white.

[B]

What the.

[C]

All. All of your like 90s 2000 movies. Italians were. You know. That was big.

[B]

That they also have a black woman as well. As someone who cares about identity politics.

[C]

You said.

[B]

I said we had a Hispanic woman. A black man and a white woman.

[C]

We also have black.

[B]

Then we have another Hispanic woman and a black woman. Hold on. We're 1, 2, 3, 4, 5 minorities in four straight white men. Who.

[C]

She's white.

[B]

Yeah. Woman. I said you were saying all straight white men. Besides straight white men. It's vast majority. Not straight white men.

[C]

Currently, yes.

[B]

All that matters is today. Why do you care about 1803 random year? Why does a year that we did not live in matter?

[C]

In the entire history of the Supreme Court, these are the only people of color.

[B]

Is today not the only time? No, no, no. I think Clarence Thomas replaced the black man. I think. Isn't that true? I mean, I wasn't alive or I was barely alive. And also no Ginsburg. Notorious B.I.G. right.

[C]

Yeah. RBG.

[B]

RBG. There you go.

[C]

I don't know what you said, but it wasn't that.

[B]

Nope. Who did Justice Lito replace? Justice Sandra Day o'.

[C]

Connor.

[B]

Sounds like a man in front of me. So today's all that matters today. Today you're a failure. That's all that matters today. Supreme Court is actually quite diverse. Why do we care about 1829? Another random year. Who cares? We weren't alive. It doesn't matter. History is always bad no matter what. Guess what? The African countries bad history as well.

[C]

Yeah.

[B]

So our history's not the only bad history. You only focus on ours. So let's.

[C]

Because I live here.

[B]

Yes, you live here. In the present and today. So focus on today that it has gotten better and we can appreciate that and celebrate that and move on with your life and do something productive instead of bitching and moaning. My Gamersupps flavor is finally here. It's called liquid assets and it tastes like raspberry apple and success. Use discount code, Caleb to get 10% off your entire order plus free gifts you actually want. Drinkware stickers, full on apparel, even some seriously limited edition swag. And one out of every ten tubs has my face printed right on it. And the whole offer stacks up six times. The more you buy, the more you unlock and the better your chance to see my sexy face on your tub. Get 100 servings of delicious zero sugar, less than 1 calorie. Liquid assets for less than 40 cents a serving plus all the freebies until they're gone. Gamer's is fully stocked and shipping worldwide. Right now all you need to do is head to Gamersupps GG Caleb or click the link in the description below. This stuff is a game changer, ladies and gentlemen. I got something new to help you that we have personally built Right here on caleb hammer.com we have new Caleb Hammer Financial Resources. They are the Ones I would personally use, which is why we made them for you to use. As you've already heard me talk about, personal loans are okay when you're good at debt. I personally use them when I can leverage them for a situation. So we have good personal loans on calebhammer.com we also have auto insurance. Now you can check for free and see if you can save a ton of money on auto insurance. Remember, none of this actually matters if you continue the same bad behavior. So it's not for you if you still suck. But if you've proved you can budget, check out these programs from personal loans to car insurance to see if you can save a shit ton of money across the board. Go to Caleb hammer.com or the Caleb Hammer Financial Resources part of the pin comment or description below and save a ton of money. Thurgood Marshall was the first African American to serve on the United States Supreme Court. Lyndon B. Johnson. Okay, so you're. We understand that, right?

[C]

No.

[B]

No. Then can you give me another example of today where we are misogynistic and racist? I will give you a final chance. I heard you got angry when you heard I went on Rogan. By the way, why I can't talk to a dude? You know, the dude is actually socially quite progressive. Wait, just economically on the right.

[C]

You went on there, you talked about

[B]

a little anti vax.

[C]

They only want me on right wing shows. But you platform a bunch of people who come on here and aren't interesting enough to be anything other than racist to make good tv.

[B]

What? We've had more people like you than them over the course of four years. Yes, the couple people that have been racist has been literally the last two months. Ever. In the last four years, it's been freaks like you. We've been trying to get more right wing people to balance it out. But most right wing people that come on the show on their no no list. Just like you gave me a couple no no's. You remember them? Have I followed them so far?

[C]

Yeah.

[B]

Good. They said they don't want to talk about politics, so I respect it. Just like I'm respecting yours. So sit down and shut the up. Why are you upset about me going on Rogan and talking to an individual?

[C]

You went on there and complained that all you get is right wing shows. But that's the majority of what you're platforming right now. So of course that's how you're all literally, that's how your algorithm's gonna push you out.

[B]

That's literally the right wing people Are not all on platform.

[C]

But you said they. Nobody wants you. Nobody wants you on left wing shows.

[B]

Unfortunately, yes. But we have gotten accepted a little more. Cuomo got us, CNN got us. So I appreciate it. Destiny was gonna come here. I think his flight got canceled. Maybe we'll reschedule. Who knows? So it got a little better. Okay. Since then. But yes, at that point, only the right wing. Even though I'm not even hyper right wing, like economically, yes, I lean to the right economically, for sure, but because of like you. But the thing is, I mean, socially, I'm actually decently on the left. I'm not crazy, like cut the dicks off children and shit like that. But like, you know, you people are just extremist.

[C]

I don't think I'm extreme.

[B]

I think, okay, you're angry at me for going on Rogan. You're calling us. If you're calling the entirety of the United States today racist and misogynistic, that's

[C]

pretty extreme in entirety.

[B]

How is the United States today? I'm going to give you another portion. Let's do it again.

[C]

Of it is.

[B]

Ah, you're putting the goalposts now. That is not what you said. That is not what you said. You said America. You said the United States is in a generalized. And then you said because of the elected officials and the Supreme Court. Now you're really trying to say. Well, no, it's certain groups of people. Come on, I'll give you another chance. One more time. Last chance. Officially, how is America today? In your own words, sexist, racist, and maybe it is. By the way, she just can't bring up any real points. And this isn't my topic that I care to learn that much about. More interested in economics, so I can't speak on it. But please give me something. I want to learn. I want to learn. I mean, I'm learning right now from my producers. You hate that I bash California. I don't even bash California. California's I'm running.

[C]

You did.

[B]

California is my dream state to live in.

[C]

You should move to California.

[B]

That would be horrible for me.

[C]

It would not.

[B]

I would lose 13% of my money. It would be really bad for me. And the employment laws are an absolute joke.

[C]

It would be better.

[B]

No, My literal lifestyle of weather might be good, but besides that, no, everything else would be worse. That's the thing. I love California, so I want it to do well. They shouldn't be building this new startup shipyard that was supposed to be in LA on the bay of Houston. And that Swampy pit of a disaster. The fact that so many corporate relocations are coming to Dallas should speak something. All the success they have right now is because of something they did back in the day. They're not doing new success. The tech companies that are there, they've mostly been there. Yeah, there's still a startup ecosystem, most venture capital in the Bay Area. But la, incredible. I would love to LA this show would thrive in la. Thrive. But I can't live there with their homeless situation. I can't live there with their crime situation, their catch and release. Even the show on more left wing platform with left wing people in it called My worst neighbor and my or My worst ex. Both of those shows on Netflix. Half the examples on there were people who got arrested in California and immediately were released and then killed someone. So no, I can't take my girl there. I can't potentially have kids with her there. I can't. Their school system's in the shitter even though they're paying a shit ton of money per pupil. I can't. I shit on California because I wanted to do incredible so I can move there. I want it to be great for business hiring walkable, beautiful actually building housing for their people instead of being performative with the rent control. So that's why I care about what should be the best state in this country. I want to be there. I can't when it's a mess. That's not unreasonable.

[C]

I don't know. I think as a California girl, it is objectively the best.

[B]

You live in Central Valley.

[C]

Yeah, but I'm.

[B]

No one wants to live there.

[C]

No, nobody wants to live there. But I'm too worse from everything, if even. Well, we pretty much from the beach, two hours from the snow, we're what,

[B]

three hours with the flight? So good enough. I'd rather live in a place where I'm not just going to die from someone that got released that committed a murder yesterday in a place where I can employ people and fire them if they suck.

[C]

You can do that in California?

[B]

Yeah. And you'll get sued.

[C]

Not if you have caused.

[B]

Oh, trust me. I think my lawyers know a little bit more about this when we considered where we were going to move than a basically unemployed 34 year old who lives with her mom. I'm being mean to you. How are you? You having an okay day so far? How's your trip to Austin?

[C]

It's been awful.

[B]

Well, that's not good. Why?

[C]

My flight got delayed yesterday. Why am I. My eye won't stop watering.

[B]

I know it's. Cause you're.

[C]

It's just this one. My flight got delayed yesterday. Twice.

[B]

Ah, the damn Republicans. Mega Airlines.

[C]

And then they.

[B]

Who's the. Who's the new Pete Buttigieg? Who replaced Sean Duffy? Sean Duffy? How dare you.

[C]

The Challenge star. Real World.

[B]

I'm not as into politics as everyone thinks I am. I just get like you. Okay, very good. So how are your finances today though? Like, obviously it's a mess. What's your plan? What are you gonna do now? What are you gonna do now? And no complaining about MAGA is not gonna fix your life, by the way. So maybe less focus on terminal online extremism, more focus on improving your own life. Cause that's the only thing that matters in the end. So what options are there going forward for you? Stop it.

[C]

Sorry.

[B]

It's okay. You can wear it, just don't twist it.

[C]

I'm gonna keep doing it.

[B]

Okay. Oh my goodness. I have another person. Oh my gosh. I can't believe I'm getting notes. You shouldn't have said all these things in the interview. I personally believe billionaires, corporations and the wealthy are not paying their fair share of taxes. Will the working class people struggle? You know how working class people, like, make the most money out of any major country and have the most disposable income, which is like income after the necessary stuff.

[C]

But why are we giving tax returns to corporations?

[B]

Tax returns?

[C]

Yes.

[B]

No, we're giving tax. Tax returns.

[C]

Tax returns.

[B]

Tax returns?

[C]

Yes.

[B]

We have tax returns to people with kids. Tax returns. What are you talking about, tax returns? You're talking about where they spend more money than they make on paper, so they have to pay less taxes because they're employing people investing in R D and new technology. Many of those companies are in your home state, girly. They're why your state even exists anymore. Silicon Valley. Be thankful for the Bay Area because LA doesn't exist. So if it wasn't for those, I don't think they'd be there. And people, they can pack up and move just like anyone else, anywhere else. They'll go to Ireland for the corporate hq. We don't want that.

[C]

No, but I mean like, you want

[B]

to pull a UK where they all go to Dubai? No, thank you. I like when they're here, there are consequences to performative policies. And also. What do you mean tax returns to.

[C]

There are like Fortune 100 companies that have gotten tax return money back from.

[B]

What context? What context is it when they. They got. They went to a new area and they Reached a deal with a city?

[C]

No, like a chase of. This is probably from a couple years ago. But Chase bank got a tax return. I know.

[B]

What was the context on what you're saying? Chase is not a tax net contributor. I haven't heard of this specific Chase thing. I'm gonna check it.

[C]

But I. Chase bank was one of them. There's. I know, like Amazon paid $0.

[B]

That was different. Hold on. But that was because they spent more than they made for the longest time. They weren't a profitable company until recent years. You know that, right? Are you saying companies should have to pay taxes on money when they're not profitable? So me as a business. Let's say we make a million dollars.

[A]

This, this episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web. Like restoring a vintage motorcycle from a 50 page restoration block. Or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense. There's no place like Chrome. Check responses. Setup required. Compatibility and availability various 18

[B]

fear if I spend a million 100,000 I should pay taxes on my lost money.

[C]

No, if you're.

[B]

Hold on. That was Amazon. Yes, that was Amazon. Also one of the biggest employers. And not with bad wages either. The entire country. You want to punish them?

[C]

Not punish them. But they. I don't think they should be getting.

[B]

Well, they're paying great taxes now. What you want to be AOC and prevent brand new campus coming to New York with thousands of new jobs? Consequences of performative policies.

[C]

No, I, I think that. Okay, specifically there are like eight Amazon warehouses.

[B]

Yeah.

[C]

Within driving distance of me. And they don't do anything to better the community.

[B]

Well, I would say the people that

[C]

work there, they build their warehouse off of a two lane road and like

[B]

you know a lot of people work there, right?

[C]

Yes.

[B]

That's benefiting your community. Those people pump money into your system,

[C]

upgrade the infrastructure that you're building in.

[B]

You mean the roads?

[C]

The roads, yeah, that would be good.

[B]

Now that's the city's responsibility. Advocate for the city, not the corporation. All like roads are a public good.

[C]

Yes.

[B]

Why are you complaining about Amazon? They're literally employing thousands of people in your city who are going and spending money at restaurants and other jobs. Dude, you're broken. What is it? Please. Okay, get your point, get your point.

[C]

So very specifically, there's an Amazon warehouse and I just saw a Walmart One right next to it the other day.

[B]

Crazy.

[C]

Built off of a two lane road. But that traffic now, that's the city's responsibility.

[B]

Dude, you're actually. No, no, no. This is actually okay, actually.

[C]

No, no, no. Amazon's responsibility. Because that two lane road wouldn't be a problem if Amazon wasn't there.

[B]

This is actually impressive. I've never witnessed someone so far left that they're actually. They're actually advocating for de growth policies. I've never seen someone sit and in real life advocate for a degrowth policy. That's one of the most impressive things I've ever heard in my life. To not build warehouses because the city can't keep.

[C]

I'm not saying. I'm saying they need to put the infrastructure around them so it doesn't negatively affect.

[B]

Why is it the warehouses?

[C]

Whatever. Because the city or the state, they're building in rural areas that this two lane road isn't an issue. So New York City, without the warehouse.

[B]

New York City, we want them to add more housing so people can afford more, right?

[C]

Yes.

[B]

Should it be the people who build the housing's fault to add an extra lane to the highway because more people are moving in?

[C]

They should have some sort of responsibility.

[B]

They pay taxes, property taxes, which those warehouses certainly do. And income taxes and whatnot paid to the state. Redistributed to the city and the state of California thanks to their new jobs. It's your city's fault for not allocating the resources. Properly advocate for that. Girl. There's lots of things I can complain about. Amazon for some of the working conditions with heat. That shit was bad. You, you and me could be on the same page for that. But you went and advocated for a degrowth policy. That's one of the most insane things I've ever heard in my life. And putting the responsibility.

[C]

I'm not saying they should be fully responsible, but they should.

[B]

They're paying taxes. They're paying taxes for that infrastructure. If the city decides to not upgrade it. That's on the city. Vote for someone different. Okay. She's most likely referring to JPMorgan Chase, the parent company of Chase bank receiving a net 1.1 billion US federal income tax refund on cash basis for 2025 app. Let's get the context though. Why did they do it? Because they overpaid estimated taxes in the prior year. You're. You're so. Oh, I love it. Thank you for making my show possible. For literally not knowing anything because that was such an easy lookup. Same thing would Happen here. We have to do quarterly estimated taxes and if I pay too much then I would get money back. Me. What's your Hammer Financial score? Because I know your scores like a thousand.

[C]

Probably

[B]

zero out of ten. Zero being the worst, ten being the

[C]

best, probably a one.

[B]

You are my favorite. I really appreciate you. Please more uninformed people. Caleb hammer.com apply. It is my favorite thing and I'm honestly pretty. So if I'm able to look better than someone like, oh my goodness, it's incredible. I love it. Get your Hammer financial [e-mail] it's free. Just takes a few minutes. See where you stand in the world of money. Where you're doing poorly, where you're doing great. Where are you? It breaks it down into individual categories now so you can see where you need to actually improve, where you're doing great, where you need to do better. And if you don't want to be like a guest who ends up on this app, stop scrolling Reddit and TikTok clearly. But more than that, download the dollar wise budgeting app. Tens of thousands of monthly active users for a reason. It changes people's lives. Most people take the annual version because it saves nearly 50% of the money. And you get the physical version of my meal plan signed by me, mailed directly to you. And the digital version of my cookbook. You live with the parents. I don't know if you need that, but you know, if you ever move out. What is your plan? I did try to ask you.

[C]

I need to get out of there.

[B]

Yes. What's your plan? That is a great statement.

[C]

That's also something that I need your help with.

[B]

They also had settlements and adjustments from the IRS due to prior year audits. I will say that. And of course they had some tax credits as any business or individual take advantage of. Just like people with kids have tax credits. So that inherently is not a bad thing. So, okay, so what job can you get because you're blacklisted? Not unfairly.

[C]

So I.

[B]

A job that you want to do even though you know you'll get traumatized from. Yeah, but you would get traumatized from literally the beep of the fries saying they're done cooking at McDonald's.

[C]

No.

[B]

That'll lead to 10 more years of therapy with you. Go on. Sorry, I'm being a dick. Please, I'm being a dick. You probably just need to live in a place with more opportunity.

[C]

Yes, that I do want to move out of the Valley.

[B]

Yeah.

[C]

And if you want to.

[B]

Honestly, I really hate to say this, but, I mean, they finally moved up from 50 to 49th. But California has the 49th worst unemployment rate in the country for a reason. And people are relocating to like, Dallas, Houston, Atlanta, Nashville, North Carolina. I know what you're saying. I know, I know. Well, they're not horrible, but for reasons. Because there's jobs and opportunity. Because it's risky to hire in California, it's expensive to hire in California, and people are leaving. So I'm not saying you have to do that, but that is something I would consider because you're going to probably move to another city in California, and they're not the best job market, especially with your lack of skills and residential.

[C]

My question for you is, are you guys pretending that the weather isn't awful here?

[B]

No. It's really bad in the summer. Three months of the year. It's dog shit. Gorgeous winters and falls and springs.

[C]

I don't like any of those gorgeous winter, fall, spring, it feels like it's raining, but it's not.

[B]

That's humidity. Yeah, I guess it was a very humid morning. I apologize for your new trauma and another 10 years of therapy.

[C]

I definitely was not prepared for the humidity. I.

[B]

Okay, we're not having a humidity conversation. I don't give a where and what job. Cause what the. You will not survive off of this.

[C]

I know. I.

[B]

Please, lady. What are the options? San Diego, Los Angeles, metros, San Francisco.

[C]

Mainly looking in the Bay area.

[B]

Okay. Do you work in tech?

[C]

No.

[B]

What the are you gonna do? You're gonna be a barista?

[C]

No, I.

[B]

You're gonna work in the services.

[C]

I've been applying for dispatch.

[B]

Maybe dispatch. No one's gonna. They're gonna look your name up, dude. No one's gonna hire you. And that's not unfair. You it. I'm sorry. You it.

[C]

Rip.

[B]

Okay, not even rip to your friend. He survived. So rift your career in that new career. I got you a course career certification in whatever you want. There is tax certifications. Take that. Go to the Bay Area. They like certifications there. Maybe you'll do something. Okay.

[C]

Okay.

[B]

Accounting. Do accounting for them. I don't know. It's still a brutal job market out there, even with all the VC money. It's a brutal job market. Also, it's 48 humidity outside.

[C]

Oh, this morning was.

[B]

It was a bad time.

[C]

Yeah, it was rough.

[B]

Apologize for the ptsd.

[C]

It was rough.

[B]

Continue.

[C]

I don't know how to budget, and I need help with that.

[B]

That doesn't matter. If you literally don't ever get a Job.

[C]

I have a job.

[B]

No, you're not gonna. No, you're not gonna survive in California. 23 an hour.

[C]

25.

[B]

25 an hour. You're not gonna survive. What are your goals? Cause you went from home ownership due to your evil MAGA parents. Okay, very good. I apologize for that trauma. Another 10 years of therapy for that one. I'll just keep stacking them. You're a homeowner. I'm shaking in my boots. My Texas humid boots.

[C]

I don't know.

[B]

Great.

[C]

Yeah, I know.

[B]

So why am I seeing a loan to Mom? $1,400.

[C]

When I was unemployed, she paid my car payment.

[B]

How long were you unemployed? California has an incredible welfare state for

[C]

losers like you, so my unemployment was less than.

[B]

I'm with her. If you go on unemployment for losing a job, you're not a loser. That's there for you. If you stay on it forever and you never look for a job and you're like the people who reacted to on the Caleb Hammer show over on our second channel, then you're a loser. Sorry, go ahead.

[C]

I was unemployed for almost nine months.

[B]

Why didn't you actually seriously go work at McDonald's?

[C]

I don't know. I apply. No, I applied it like Target, Home Depot, Starbucks.

[B]

Yeah, but you know what you did with your resume and all those? I guarantee you, it's.

[C]

I just.

[B]

You made it look like you wanted to take them temporarily just so you could pay the bills and go and get a better job.

[C]

Just found out because the company that I work for now was.

[B]

Why are tears happening?

[C]

They're not.

[B]

Okay. It just sounds like it.

[C]

No. My one eye just keeps watering.

[B]

No, no. I hear it in your voice. Continue. Starbucks is bull and a waste of money. And you already know that by making your coffee at home and invest in 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. And 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 Gaming Sauce. Oh, literally, the cherry flavor labor is insane. Listen. You can also get free samples to see if you like it. Or 10 off your order at GamersUps GG or click that link in the description below. Type in code. Caleb, I just launched the brand new Hammer Elite app available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you. You get an additional 30 days of hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join and that's a promise.

[C]

I just found out that the company I work for was bought out and the HR lady told me last week that my resume is awful.

[B]

Yes, nobody is surprised again. As always, nobody is surprised. How are you? Why did you not put you live in California. That's where a lot of the AI is being developed. Why did you not put it into AI and ask it? It would have told you that you are. And not only did your mom lend you money, she probably lent you an extra chromosome as well. Like you are everything. You are broken. Don't know what else to tell you. Do you owe her a monthly payment?

[C]

Yes.

[B]

Okay, I know we're going to call your mom in the post show, tell her to stop supporting her ass. She is an evil MAGA mother, so probably kick you out for looking like a gay, right?

[C]

No, my sister's gay.

[B]

Wow, what an evil radical republican your mother is for supporting your gay sister. Did I hate Republicans as much as I hate Democrats, but you're making me like them more. You shouldn't. They're annoying. So what's the payment plan for this? Your actual plan? Not the plan, because I know there's no literal minimum, but what's your plan? Your license to be a hairdresser? Yeah, go dress some hair creature. Come on.

[C]

I do occasionally. I don't have very many clients anymore.

[B]

Well, no, go work at a salon, you freak.

[C]

You have to have clients in a salon.

[B]

Yeah, but don't. You can get some random drop ins and build that list again, but you

[C]

have to pay booth rent and then you're not making money.

[B]

Okay, we'll go to the most popular one you can find that has a booth available and try it. Right. Okay. Or okay, fine, let's make $25 forever, right? You don't know what to do. At least that's an option. You get a hairdresser instead of being unemployed for nine months.

[C]

I was trying to get my clients to come back. They have sick and tired of you

[B]

crying every time you cut their hair.

[C]

They were not so happy with my work schedule I was dispatching.

[B]

When you were unemployed.

[C]

Yeah, but they stopped coming while I was dispatching.

[B]

And you're trying to get them back though?

[C]

Yes.

[B]

Why wouldn't they at that point? Because they found someone else.

[C]

Yeah.

[B]

Okay. Why did mom give this to you? Yeah, go work at a blowout bar. I'm being told you don't need to have clientele. They're everywhere. People just book and generally don't care who they see.

[C]

There's not any around me.

[B]

Okay, then.

[C]

That I'm aware of. That you're a. I don't think there's. I don't think there's any. No.

[B]

Glad you followed it up with that. Let's go to the map.

[C]

I've never seen one.

[B]

Oh, you've never seen. I've never seen.

[C]

In my area.

[B]

It doesn't exist.

[C]

I didn't say they didn't exist. I said I wasn't aware of any in my area.

[B]

I've never seen Las Vegas in person. Must not exist.

[C]

Never been to Vegas? No.

[B]

Oh, I should.

[C]

Okay, Interesting.

[B]

What's your address?

[C]

What are bleeping up my house address.

[B]

Oh, okay. Her town's small, but you're literally what, 15, 30 minutes from major cities. Yeah, no blowouts there, girl.

[C]

I don't think there's a blowout bar there.

[B]

In the major cities.

[C]

No, I don't think so, girl.

[B]

Okay. I'm seeing so many places I don't know all that are blowouts. It's hard to see on the map.

[A]

This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web. Like restoring a vintage motorcycle from a 50 page restoration block. Or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it, ready to make anything online make sense. There's no place like Chrome. Check responses set up required compatibility and availability varies. 18 plus.

[B]

But I have at least to check out. 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15 places. 16 in the city just south of you. That's not even going to the city west of you or the city east of you. Do some research. You. Come on. What are we doing? Okay, 25 minutes away. We confirmed from your address.

[C]

I didn't know there was one there.

[B]

No shit you didn't. Look, cuz you have no ambition. Disney rewards. Quite a princess you are, huh?

[C]

I wouldn't say that.

[B]

$3,328.62. The $69 minimum to payment. 12 years to pay off. Still be unemployed. Okay, we have fees, we have interest, and we have balance transfers and purchases. You're collecting them all?

[C]

Yeah.

[B]

Why? Oh yeah. Oh, you betcha.

[C]

Why? I don't know.

[B]

Okay, as always, a transfer for someone like you makes no sense. In the Caleb Hammer like Financial Tools Network. We have personal loans, we have debt forgiveness programs, we have car insurance and we're adding more. Those are great tools for people like me, for people out there who can manage the shit and if proven they can manage their shit and use it as a tool. For you, a credit card transfer makes no sense. What are you doing?

[C]

I was trying to avoid the interest.

[B]

There is interest accruing. Okay. She's trying to avoid the interest. She's financially smart, which is why she went to Boardwalk, Pizza, Churro, Bayou, Timland, Popcorn Lockers, Disney, Lightning Lane, Pizza Planet, Lightning Lane, World of Disney. World of Disney Beverage Kiosk, Lightning Lane, Dutch Bros. Door dash. Door dash. Dutch Bros. Dutch Bros. Door dash. Red Robin. Dutch Bros. Red Robin.

[C]

Yeah.

[B]

That's being financially smart. That's doing really good as a 34 year old who lives with her mom.

[C]

It's not.

[B]

No. This is embarrassing.

[C]

I know.

[B]

Almost as embarrassing as your not well thought out or well researched political views. Yeah. Yeah. Why are you doing this? That's not good. You shouldn't be doing that.

[C]

No.

[B]

Yeah. Why? Why are you doing that? What's my question? Interesting. That is curious. Yeah, it's a big one. Here they come.

[C]

God damn it.

[B]

If you want to take a moment, it's okay. I'm with you. I'll praise you. You okay? What's going through your head?

[C]

I already feel like a loser. I already know all of that. But I also don't feel. I don't know that welcome's the right word, but I feel like a guest in my parents house. That then like going grocery shopping and putting stuff in the fridge or the cabinets or doing any of that stuff that I would do when I owned my home feels like a burden.

[B]

Why?

[C]

My dad makes comments all the time about me being there.

[B]

What kind?

[C]

He. Most recently the one that I can think of. He said something along the lines of, well, we didn't know you were going to be here for five years and it hadn't.

[B]

Five years.

[C]

It hadn't even been a year. Okay, but like the dramatic sarcastic comment of like I'm intruding on them, which I know that I am, but I already know that and I already don't want to be there. And I already.

[B]

Here's the thing.

[C]

I know

[B]

you are intruding on them if you don't have a real plan and right now you can't tell me what you are going to do and where you're going to go. You are Leaning towards Bay Area. But we know you're probably not going to get hired in the position you want because of your record. Oops. Without a real plan and real effort behind it, you are intruding. If you are putting real effort behind it, then you are someone they can help and support by allowing you to stay there.

[C]

Yeah.

[B]

If you do nothing, you're an intruder.

[C]

I feel stuck and I don't know how to.

[B]

You're not.

[C]

I don't know how to.

[B]

Girl, only you are allowing yourself to be stuck. I know you just found out your resume was bad at 34. This is on you. I first started thinking about my resume at like 23.

[C]

I've updated my resume. I also. I was also applying for federal jobs, so it is a little more geared towards that.

[B]

Girl, you can't just be applying to a job. We're going crazy.

[C]

I know, I know, but. So the company that bought my company out, I had actually applied there. So they've. They essentially bought me with the company. But I was under the impression that my resume was at least okay.

[B]

No, the City Card. 593.55 with a minimum monthly payment of 35. You're purchasing on a card that you can't pay off. Why? Again, it's all Amazon. Oh, rent a car. Why are you renting a 500 car? How can you afford that? Wait, what are you doing with your no time? Actually applying for jobs and updating your resume. Such a Disney trip. You know, they're a billion dollar company. You know they get lots of tax benefits, right?

[C]

Yeah.

[B]

You know, their tax situation's quite interesting.

[C]

Yeah. My sister works for Disney.

[B]

Oh yeah. Big evil capitalist Disney. Was that to Disney?

[C]

Yes.

[B]

Yeah. Champagne socialist as always. You know, you people are the most hypocritical people. I'd say people on the far right are really annoying, but people on the far left are hyper, hyper hypocritical. Like it's crazy. And both scare the out of me. Unfortunately these days. Further left, further right scared me the vast majority of my life. Now the far left, I feel like I could get, you know, any moment of my life because you freaks. Because I yelled at someone who has extremist positions when I'm actually quite liberal socially. But so whatever around the rant. You know that, right? You guys are really hypocritical.

[C]

I don't.

[B]

Evil corporations, capitalists, and then you just give them all your money.

[C]

I know.

[B]

And Amazon, weren't you just hating on that warehouse that delivered that to you? Yeah, it's A shame they're able to get there on that two lane road to your house.

[C]

I don't. I don't shop on Amazon very often, but if I do, it's.

[B]

Who cares?

[C]

It's because I can't find it around me.

[B]

Just do it, man. Doesn't matter.

[C]

Or.

[B]

Yeah, no. Live to your principles. Your cheap principles. I have no real moral backing other than performative and virtue signaling. Wells Fargo. What's going on?

[C]

That one like has my storage unit on it and.

[B]

Storage unit. Dude, just get rid of it. It doesn't matter. Get rid of your. Get Facebook marketplace stuff. When you start over again, it's gonna cost money to move it all. You can't afford to live anywhere. You can't afford a storage unit. Big corporation. Target. Big corporation. Chewy. Massive corporation. Spotify. Huge corporation. Walmart.

[C]

Yeah.

[B]

Giant corporation. Walmart. Dutch Bros. Walmart. Walmart, Walmart. And a lot of that's bullshit too. It ain't groceries.

[C]

No, it is groceries.

[B]

Not all of it. That $2.34 was a snack.

[C]

No, Walmart splits them up. I'll get. I don't know why, but some charges and I'll. Or they'll like refund it for something missing or they overcharge you and then refund the money.

[B]

I don't know. Maybe. Cause I do Audie.

[C]

When I do buy.

[B]

You have a Audie.

[C]

Yeah.

[B]

You're homeless and you have an Audi. Okay.

[C]

I was making money when I bought it.

[B]

Okay. Get rid of it. When you don't. I don't know. What's your job again? What do you do?

[C]

I do customer service at a plumbing company.

[B]

From home or. There?

[C]

There.

[B]

Okay. Okay. You owe $16,650.62. With what interest rate?

[C]

I think it's like 3.9.

[B]

Yeah. That's not horrible. But the minimum payment is 785. For someone making $25 is crazy. In what world does that possibly make sense? Let's see. What is it worth? 17. If you sell it. Get a $10,000 car. You're really only saving $6,000. But we do got to get you on a better payment plan. That shit's crazy. You're never going to move out with a $785.51 payment on this. You're never going to move out. Right.

[C]

It would be calf rent. Extremely difficult.

[B]

It would. And we get rid of it. You make a thousand on it. Put a thousand dollars down on a $10,000 car. That's it. That's the new beater. Unfortunately.

[C]

But My car.

[B]

You're homeless. Americans in their cars that. Could you prioritize a car over getting a place to live? Crazy. You're right. You are a burden on your family if you prioritize a car over getting out. They're not wrong. In that case, that's okay. You're crying, but like, listen, that's your choice to make. I have sympathy until there's things like this. I know, right? Crazy. So what did you want? You wanted to talk about something Walmart related?

[C]

Well, I hate that I have to shop. Feel like I have to shop at Walmart. We don't. We do have grocery stores, but they're obviously more expensive. But Walmart's like the worst of the worst corporations. They Walmart like. Okay. So I recently saw an article for about.

[B]

From.

[C]

Oh, I don't remember now, but it was talking about a Costco employee who's been a cashier at Costco for.

[B]

I actually really don't care. Unless you can tell me where the article's from, because that matters so much. You have no idea.

[C]

I don't. I don't remember.

[B]

I don't know. I know Walmart has hurt some small towns.

[C]

I know.

[B]

But it's kind of interesting that the customer base in those small towns choose Walmart over the smaller stores. They chose it. It sucks. I don't like the outcome, but that is. What's the alternative? You want the government to come in and fund those small stores like it's. Yes.

[C]

Oh, no, I don't.

[B]

Oh, I so like. Okay. I mean, I can vibe with you, but I can't get to the real world with you. I think when our opinions are based

[C]

on vibes, I think Walmart's extra shitty. They sure, they pay their employees like

[B]

15 an hour is their minimum across the country.

[C]

And then obviously a lot of those employees have to then get assistance and end up on snap.

[B]

And then less today than before, but yes. Okay, this is like. That's a talking point from like 2009.

[C]

It gets spent back at Walmart.

[B]

Okay, that is like a 2009 talking point. That's crazy. I remember using it myself. Remember using it myself when I was a big Bernie, bro.

[C]

It just, it lives, right?

[B]

We go through big transitions in college, ladies and gentlemen. Some more than others. Some lose their dick. I just went, you know, radical left because I was a music major.

[C]

There are issues on both sides of it, but I think Walmart is definitely,

[B]

definitely not the best. I would love to see people pay more.

[C]

Granted. Yeah, everybody's going to most Everybody's going to use it to their advantage, but Walmart definitely is using it to their advantage to.

[B]

And I think your argument that you started to say, and I would probably agree with you is like, well, but Costco choose their employees better, right? Yes. Which is by the way, why most people prefer to go to Costco. When there's a Costco versus a Walmart, go to a Walmart here, you'll see it's just trash. You know why? Because they don't really take care of it. That'll probably be damaging to their company long term. Costco's are filled to the brim and people there are great to interact with because they pay well, but they're getting the reward for that. Walmart's gonna take the hit for that. Let the market determine it. What are you going to do? Cry and moan? I don't know. So 4,000 in savings. Dramatically lower than 17,000 when it started draining.

[C]

No, that I put it into a different savings account.

[B]

Okay. Checking 804. But again it's going to be drained with bullshit. Taco Bell. Dutch Bros. Dutch Bros. Going to get in some bullshit pizza. Bullshit. Doordashing. Red Robin again. McDonald's. McDonald's. Dutch rose. Jack in the Box. Bro. You don't cook.

[C]

No.

[B]

Oh, that's not good. I'm sorry. You're getting a comfortable life. Come on. All your money's going to just feeding those dopamines. Why would you move out? Why would you do ambition? Come on, I've been there. I know this. Jack in the box. Dutch Bros. Dutch Bros. Hollis. Hollis. McDonald's Panda. Transfer from savings. You had to transfer money into the savings so you didn't. So that you add more money so as you keep going to McDonald's. Apple Cash sound. McDonald's Peacock. Microsoft. Draining isn't savings isn't being drained huge or super quick. But it is going down. Which is a concern because you have transferred some to checking little by little. So 15 in this, in that high yield savings account. Okay, that's good. I'm happy to see that. That's a good start for your moving out journey. You just need to get a job, figure out your resume situation. I am so excited to call your mom the pusher. I gotta tell this woman to kick your ass into gear. I'm gonna yell at her for it. Yeah, retirement stuff. And it's like 400 there. You got fees. Oh, 8,000 in this one. Okay. That one's decent for your age. Very bad. But at least there's a number many people don't have a number. Ah, wait. Nationwide. What?

[C]

It's a 457.

[B]

Okay. 12,292. Okay, good. Let's get your. But, well, I mean, your budget. You don't freaking have, like, costs. But the budget isn't the important part of the conversation. It's about what you do from here. But let's just do it anyway. Make it make. You know, make it make sense. 3100. You don't pay any rent to them.

[C]

I do.

[B]

Oh, okay. Well, it does matter then. How much?

[C]

500.

[B]

Does that go to utilities and everything as well? Nothing extra for that? No Internet. Okay. Debt payments.

[C]

Let's see.

[B]

Car. Get rid of it. Not even a choice. Get rid of it. Thousand dollars down on a $10,000 car. It ain't luxury, girl, because your debt payments right now are $914.51. Gas. Boom. From drive. Drive. How much? Not much. Now will be when you go drive it to the blowout bar.

[C]

My work drive actually got shorter just as two weeks ago.

[B]

How much?

[C]

So I would say probably 150. Phone bill, $60. Yeah.

[B]

Switch to helium. If T mobile's good in that area. Similar towers to that. Okay, then maybe not. It is good from the vast majority of people out there. Car insurance, how much?

[C]

I think it's 169.

[B]

Not the worst. You don't have to do groceries. Well, how does the food work? If you stop eating out, would you have to shop for yourself?

[C]

For most of the stuff.

[B]

Okay, let's give you 300. Let's just be generous, which most of the. Let's be generous. Meal prep, meal plan. That's what you're doing. It'll be good for health as well. TP fund anything else you need to survive. We'll do about 100 bucks. That is tampons, it's toothbrush, toothpaste, all that good stuff. Again, some of it will be provided by the house, some of it not. Like toilet paper will be. But medical, health care, Any copays, monthly basis?

[C]

Yeah, they're pretty high.

[B]

How much?

[C]

Probably like 500.

[B]

What, the therapy?

[C]

No, I have one prescription that my insurance doesn't cover.

[B]

Okay. And subscriptions? I'll try to do 40 bucks. You have any pets?

[C]

I have two.

[B]

What?

[C]

Cats. Okay.

[B]

$100. Pet insurance. How much for cat food? Cat supplies?

[C]

Probably like a hundred dollars a month.

[B]

Okay.

[C]

I generally, like, buy a bunch of food at the same time when they have sales.

[B]

Anything else that needs to be in

[C]

this budget, I would like to know, like, what I could afford. Rent wise, none.

[B]

You have an extra hundred dollars.

[C]

Awesome.

[B]

So you can afford $600 rent. Yeah, you would have to do like public housing, subsidized housing. Nothing on this job. No. That's why again, like I said, your budget's not the freak out. The freak out is you.

[A]

This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a 50 page restoration block. Or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it, ready to make anything online make sense. There's no place like Chrome. Check responses Setup required compatibility and availability various 18 plus.

[B]

We need to get a job. We need to update our certifications. Maybe you'll get lucky, get a dispatcher job again. Let's not lean on it though. Let's try to get our skills, our resume together and get into a new career field. That should be your main focus in somewhere with opportunity. Unfortunately, but that is the reality as well. That's it. I mean, I'm sorry, this isn't, this doesn't do anything. You're going to have to sell the car. The minimum payment goes down a little, let's say $500 to $500. That saves you an extra few hundred dollars here. So, but that's pretty much it. From there you just got to, you can pay off your Wells Fargo like that immediately once the car's sold and all that good stuff and you got to chip away at the Disney and city. And that might take like a year or two with the current job, but with a better job, much quicker. And then all of a sudden you're, you're out. You're out. Actually, since those are draining you, one thing I might do is I'd use the majority of your emergency savings and pay off those credit cards. Okay, because they're draining you. I mean you're losing more than you're gaining any kind of high yield interest. So. Math problem right there. Just get rid of it.

[C]

What do I do with all my retirement accounts?

[B]

Leave them, Roll them over eventually. But it's fine.

[C]

It just all in several places.

[B]

It doesn't matter right now. That's the least of your concern. As long as they're invested in something, they're going. So don't worry about it. You shouldn't be thinking about that for a while. Pay off these debts, get rid of the car, get a new car, get a better job. Those are the operations. Okay. I'm gonna call them on the post show. Big confrontation we gotta do here. But let's get the Hammer financial score first while spending in a budget. Spending money you definitely can't spend clearly. Which is why debt is going up and savings is going down. Debt no collections but bad debt. Family debt. Family. So give it 1 out of 10 emergency fund there is that you do have that saved up so your debt score will substantially go up because you'll put that but your emergency fund score will go down. But for now where it stands today Emergency fund It's actually a 10 out of 10 retirement definitely behind for your age. About a 3 out of 10. Real estate 0 out of 10. But I am happy that there's a retirement. 3 is better than most people unfortunately especially in America. And financial score also better than a lot of people on the show. 3 out of 10 get yours@caleb hammer.com now click the join button or the link in the description below to join Hammerly. Get three premium shows every single day, Monday through Saturday. It's incredible. Or you can go off platform on the Hammer lena app or hammerly.com either way, same membership on all platforms. Love you guys. See you there. So I know she lives with you right now.

[A]

Yes.

[B]

And your husband, her father has said some sideways comments. Your daughter is kind of leeching off.

[C]

You guys should I don't understand how

[B]

she's draining her savings.

[C]

She moved back home when she sold her house.

[B]

We asked her to pay off her with the money that she got from

[C]

her house because she had plenty to do that at the time.

[B]

Why would you hide that from your mom? I just launched the brand new Hammer Elite app available on every major platform so you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join and that's a promise.