To Catch A Predator | Financial Audit

Summary

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Financial Audit Podcast: "To Catch A Predator" | Summary

Host: Caleb Hammer
Date: August 5, 2026
Guest: 37-year-old artist "Buck" from Paradise, California

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Episode Overview

In one of the most controversial and unorthodox Financial Audit episodes, host Caleb Hammer sits down with "Buck," a 37-year-old artist known for his work in niche internet communities. The conversation weaves through deeply personal territory: Buck's financial mismanagement, problematic art commissions, lifestyle as an adult living with his mother, internet subcultures, and persistent allegations of drawing underage/childlike material. Caleb provides pointed, often scathing commentary in an effort to both dissect Buck’s financial situation and question his life choices, morals, and self-insight.

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Key Discussion Points & Insights

1. Buck's Background and Lifestyle

• Buck introduces himself as a 37-year-old virgin, artist, and internet personality living with his mother and brother in Paradise, CA.
  • Quote: “Hi, I'm Buck. I'm a 37-year-old virgin who lives with his mom from Paradise, California. And this is financial Audit.” (01:40)
• Claims he’s "waiting for the one," calling himself a "hopeless romantic" despite little real-life romantic experience.
• Formerly in a 9-year, purely online relationship with a trans woman but never met in person.

2. Professional Life: Income as a Niche Artist

• Buck makes a living artistically within internet subcultures (furry, brony), mainly via commissions on Discord.
  • Income per piece: "$200 to $400 per picture," averages about 40 commissions a month, suggesting up to $16,000 monthly pre-expenses (though actual net income appears far less consistent).
  • Quote: “I make a lot of money doing this.” (03:57)
• Art subject matter is controversial, including anthropomorphic and “childlike” characters from shows like My Little Pony.

3. Controversial Art and Community Allegations

• Extensive discussion regarding Buck’s history with drawing "con" (childlike) pony art and the prevalence of such requests in the brony/furry communities.
  • Quote: “In the Brony community, the con tag is one of the like top 10 tags.” (38:23)
• Caleb presses Buck on the morality and legality of drawing underage, fictional characters.
  • “So if you're the one that takes child photos, you're not the villain, just the people that get off…that's your logic?” (40:52)
• Buck claims he’s stopped this kind of work ("seven years ago"), but continues to draw “petite” and “childlike” characters of age in source material.
• Admits to AI-generated art involving ambiguous age cues.
  • “I got an AI generator on my computer and I was training it to do stuff that looks like my artwork. … He's generating kids.” (00:47 & 81:06)

4. Online Scandals & Groomer Allegations

• Details past community drama where he was accused of "grooming" a younger fan; he argues their online contact happened when she was an adult.
  • “The allegation was that I groomed her…Yeah, she was. She called me a pedo.” (43:39)
• Shares his perspective on cancel culture and infighting in internet subcultures, especially regarding sexual and age-related topics.

5. Personal Issues, Relationships & Social Isolation

• Candid about lack of offline relationships, relying mainly on online communities for social and work connections.
• Open about his family: mother (“enabling mom”), brother (also lives at home, possibly on the spectrum).
• Shares traumatic childhood experiences (e.g., fear of STDs from sex ed, exposure to adult material at 16), linking this to his adult fear of intimacy.
  • “I can actually, like, pinpoint when [fear of sex] happened. 11 years old, sex ed…horrifyingly traumatizing for me.” (28:17)

6. Financial Situation: Disorganization and Overspending

• Uses PayPal Credit as his default banking method; chronically late on payments, maxed out limits, and has ongoing IRS/tax issues.
  • “Why are you possibly…There's no reason to be [late].” (73:32)
• Historical income spikes ($67,000–91,000/year) from conventions pre-2019, but post-pandemic earnings slumped and finances worsened.
  • Owes ~$5,000 in credit debt and has additional informal debts to friends for living expenses, travel, and a $2,500 chair.
    • “It was a $2,500 chair. Big old mother. It's got the recliner, it's got the cup holder, it's got the phone charger.” (74:39)
  • Spends heavily on video games ($16,000+ on Path of Exile cosmetics), DoorDash, streaming services, and subscriptions—even while in debt.
• Fails to maintain budget, often “e-begs” in his Discord for commissions to meet basic expenses.
  • “You endlessly e beg for money…You're e begging for the commission.” (61:07)

7. Attempts at Self-Improvement and Independence

• Buck wants to save for a family move out of California, but shows little initiative to build true independence.
  • Quote: "The current goal is get her out of there. I am not gonna [move alone]." (71:18)
• Recently lost 180 pounds through an online personal trainer (paid in furry art commissions).
• Considers getting a job outside art for stability; Caleb recommends entry-level work (e.g. fast-food, Starbucks), but expresses skepticism about Buck’s follow-through.
  • “You need to go get a job like McDonald's and start building up experience.” (93:48)
• No health insurance, no emergency fund, and his mother continues to subsidize phone/gas/living.

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Notable Quotes & Moments

• On community subcultures:
  “People like you should not exist.” — Caleb (18:52)
  “I'm one of a kind, baby. Come on.” — Buck (18:54)

• On morality and art:
  “It’s a horse dick. … Scootaloo, Sweetie Belle, the kids in the show, you have drawn them naked.” — Caleb (40:40)

• On financial irresponsibility:
  “You spend dramatically more than you make, it’s not even close.” — Caleb (63:58)

• On self-awareness:
  “I know where the money goes. Mostly to video games.” — Buck (63:43)

• On family and long-term outlook:
  “What do you and your brother do when she [mom] dies?” — Caleb (70:45)

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Timestamps of Key Segments

| Segment | Timestamp | |---------------------------------------------|-------------| | Opening shock: Allegations & AI art | 00:23–01:11 | | Introduction: Buck describes himself | 01:40–02:38 | | Sex/romance history, failed encounters | 06:50–08:57 | | Furry and Brony art commissions explained | 04:00–05:31 | | Buck’s infamous online relationship | 17:10–21:02 | | Discussion of “con”/childlike content | 36:05–44:00 | | Groomer, pedo, and community drama | 43:02–44:01 | | Finances, spending, and e-begging | 53:29–63:58 | | Spending breakdown, tax/credit problems | 64:08–70:32 | | Realizations about his lifestyle | 70:32–76:00 | | Lifestyle contradiction; health/weight | 65:42–66:29 | | Closing: Budgeting and career advice | 91:00–94:32 |

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Tone & Style

The episode is marked by Caleb’s blunt, frequently harsh style—alternating between sarcasm, incredulity, and genuine concern. Buck oscillates between self-deprecating humor, defensiveness, and moments of (im)practical self-awareness.

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Summary for New Listeners

This episode stands out for its raw, at times deeply uncomfortable, discussion of fringe internet subcultures, personal dysfunction, and the intersection of morality, legality, and financial adulthood. Caleb presses hard on Buck’s choices—both fiscal and personal—while the guest offers insights into the insular, sometimes toxic online communities he inhabits.

If you want a jarring exposé on alternative internet lifestyles, with an intense dose of financial reality check, this episode exemplifies the wildest extremes of Financial Audit.

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Final Assessment:
Buck’s "Hammer Financial Score": 0.5 out of 10

“You have nothing going for you in life.” — Caleb Hammer (55:25)

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[For more discussions, budgeting tools, and post-shows, visit calebhammer.com or join on YouTube.]

Transcript

[Sponsor/Announcer]

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.

[Caleb Hammer]

Various 18 to watch episodes of Financial Audit a week earlier. Check us out on YouTube. What was the allegation before you tell me the reality.

[Guest (37-year-old artist)]

The pet she was talking about was me.

[Caleb Hammer]

Age, question mark. Question mark. Childlike.

[Guest (37-year-old artist)]

Oh yeah. Lock this guy up.

[Caleb Hammer]

Okay, that's a kid. Dude.

[Guest (37-year-old artist)]

That is not a child. Look at the hips on that. You're probably better with that.

[Caleb Hammer]

I told you. Actually addicted to AI. What the is that?

[Guest (37-year-old artist)]

I got an AI generator on my computer and I was training it to do stuff that looks like my artwork.

[Caleb Hammer]

Kids.

[Guest (37-year-old artist)]

He's generating kids of fictional characters, mind you.

[Caleb Hammer]

What the. They're still kids, are they not?

[Guest (37-year-old artist)]

I make a lot of money doing this.

[Caleb Hammer]

What the.

[Guest (37-year-old artist)]

I get to find out. Is this just some guy with a weird. Or is this like a guy who actually wants me to draw real life of his actual little sister?

[Caleb Hammer]

I just launched Liquid Assets, my official Gamer subs 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@gamersupps GG, Caleb, or at the link in the description and pinned comment below. This is the best drop gamersupps has ever run. Link in the description.

[Guest (37-year-old artist)]

Hi, I'm buck. I'm a 37 year old virgin who lives with his mom from Paradise, California. And this is financial Audit.

[Caleb Hammer]

Is that a meme or is that real?

[Guest (37-year-old artist)]

That is 100% real. Every bit of it. Never even been kissed.

[Caleb Hammer]

Why?

[Guest (37-year-old artist)]

I'm a hopeless romantic. I'm waiting for the one man.

[Caleb Hammer]

Come on, kissing's not. I mean, kissing can be a first date activity. You don't need to get into the first.

[Guest (37-year-old artist)]

Well, listen, listen. If you're kissing.

[Caleb Hammer]

Yeah, listen to the virgin.

[Guest (37-year-old artist)]

I don't want you. Yeah, listen to the virgin. Come on. Listen, listen, I gotta. I got a little math to run by you. You like math, right? Okay, listen. I have never been sexually satisfied by another person.

[Caleb Hammer]

Right, okay, well, you can't get satisfied if you don't do anything but.

[Guest (37-year-old artist)]

Yes, but I have sexually satisfied thousands of people, which you are going to learn throughout this episode. So I'm the most benevolent lover in the world. Caleb.

[Caleb Hammer]

Okay, so what is that? What the. Okay, what did I just walk into? This is actually crazy. For those of you who are either new listeners, watchers, whatever you want. I literally talked to this dude for like 30 seconds before we started filming. I know nothing about him. I go into these episodes blind. What the kind of creatures in front of me. What do you do for a living? You live with your mom at 37? Oh, is she the sweet old lady that was out there?

[Guest (37-year-old artist)]

Yeah.

[Caleb Hammer]

Oh, I wondered why there was an old lady. Yeah, my dining area.

[Guest (37-year-old artist)]

She is wonderful. She's a wonderful human being.

[Caleb Hammer]

I'm sure you think so because she's most likely enabling you. Yeah, I'm getting extra confirmation being typed to me that this is real. 100. What the.

[Guest (37-year-old artist)]

100%.

[Caleb Hammer]

And don't you worry, there's more for a living. I can't wait. What do you do for a living?

[Guest (37-year-old artist)]

I drop.

[Caleb Hammer]

That is such a sadistic laugh. What the. That is like serial killer laugh. What the.

[Guest (37-year-old artist)]

Wait till you hear my real laugh.

[Caleb Hammer]

Comedy is subjective, Murray. Isn't that what they say? Oh, okay, okay, so 37 year old virgin that lives with his mom, that draws. Do you actually make money doing this? You wouldn't live with your mom if you did. I have a feeling I make a

[Guest (37-year-old artist)]

lot of money doing this.

[Caleb Hammer]

Okay, what do you make? What's your income?

[Guest (37-year-old artist)]

Roughly 200 to 400 per picture.

[Caleb Hammer]

Okay, what's our monthly income? Per picture?

[Guest (37-year-old artist)]

Yeah, I draw commissions. People come in, they want me to drop.

[Caleb Hammer]

Come in where?

[Guest (37-year-old artist)]

My discord. I just have a discord. They come in.

[Caleb Hammer]

Of course. It's a virtual space. Well, you made it sound like they're coming into a shop. Maybe you were a little entrepreneur here.

[Guest (37-year-old artist)]

Yeah, they walk into my mom's house and they. They order. Yeah, exactly.

[Caleb Hammer]

I think there are other places outside of your mom's house that you could be like leasing out. But yeah, sure. Okay. Okay.

[Guest (37-year-old artist)]

I still don't need space for it. Continue.

[Caleb Hammer]

What hits a month? What's your monthly income?

[Guest (37-year-old artist)]

I don't know, it's just. You make a lot.

[Caleb Hammer]

On average. What is your. How many customs are you doing a month?

[Guest (37-year-old artist)]

I don't know, 40, I guess.

[Caleb Hammer]

I have to ask. Okay, okay, sure. Show me.

[Guest (37-year-old artist)]

Let's just say show me one that

[Caleb Hammer]

someone else has consented to me saying on my phone.

[Guest (37-year-old artist)]

Yeah, sure.

[Caleb Hammer]

Well, unless you brought it, I guess. Sure. I'M glad you didn't. What? I think my security would burn it at the door. This is okay. You average 36,000 hours a year. Our accountant dead.

[Guest (37-year-old artist)]

Okay, I have a whole gallery.

[Caleb Hammer]

That's not a lot of money. It might be for a 47 year old virgin who lives with their mom. 37.

[Guest (37-year-old artist)]

37. I got 10 more years to be that bad.

[Caleb Hammer]

Okay, blur it I guess. Let's make sure we get this for our. It's just. I don't really understand.

[Guest (37-year-old artist)]

It's furries and it's furry. Okay, so did I mention it was furry?

[Caleb Hammer]

Didn't. But it's really just an animal sucking another animal's dick, which is just really weird. It's just not something that gets me going. Not really a bestiality kind of guy.

[Guest (37-year-old artist)]

Two animals sucking another animal's dick. There's two animals in there?

[Caleb Hammer]

Is that what you're into? I guess that's what people are into that pay you. I mean that disgusts me beyond belief.

[Guest (37-year-old artist)]

I'm just into horny shit. If there's happening, I'm probably into it.

[Caleb Hammer]

How the is someone into horny shit? A 37 year old version that lives with their mom. Please tell me that's sort of. I hope that picture was on screen, guys, but that dick is certainly blurred. No, it really didn't really look like much. I don't know how people are getting off to that. This is an image.

[Guest (37-year-old artist)]

A lot of people like me for my personality. Whether you will believe that after this episode.

[Caleb Hammer]

I don't know your personality or not yet. But like I just like. Like you're definitely a freak.

[Guest (37-year-old artist)]

But why?

[Caleb Hammer]

I have to ask why someone's a 37 year old virgin if your entire life revolves around. Well, I see a path of exile shirt going on and. Oh, what is that? Can you show the camera your undergarments?

[Guest (37-year-old artist)]

Oh my. My zebra pants. Should I stand up?

[Caleb Hammer]

Yeah, I guess so. If you want to put that chair through some suffering. Oh, thank you.

[Guest (37-year-old artist)]

Twirl.

[Caleb Hammer]

Okay. Impressive. So I understand why you're at least not getting laid, but what the. Have you tried?

[Guest (37-year-old artist)]

Oh, I've tried. I've had a naked girl in my bed before.

[Caleb Hammer]

What does she look like?

[Guest (37-year-old artist)]

Blonde, probably a seven. She was cute.

[Caleb Hammer]

A seven what?

[Guest (37-year-old artist)]

Seven out of ten. The dude scale. Caleb, come on.

[Caleb Hammer]

How tall?

[Guest (37-year-old artist)]

About a foot shorter than me.

[Caleb Hammer]

How tall are you?

[Guest (37-year-old artist)]

Six foot five.

[Caleb Hammer]

Okay, cool.

[Guest (37-year-old artist)]

Mountain girls, they're a little bit taller, but not.

[Caleb Hammer]

How much does she weigh?

[Guest (37-year-old artist)]

Probably 180, 200. Oh, she had a skinny waist. Little bit of a Pot belly. She was kind of cute.

[Caleb Hammer]

Okay? We've really gone from 7 out of 10 to kind of cute, okay?

[Guest (37-year-old artist)]

I mean, 7 is what IGN gives every video game in the world.

[Caleb Hammer]

So why the would I give a shit about ignore? So why could you not finish the deed? I just have to know for my own sake.

[Guest (37-year-old artist)]

Well, she turned into a red flag when I said, hey, do you have any STDs? And she's like, who did you talk to?

[Caleb Hammer]

Is that real?

[Guest (37-year-old artist)]

Yes, that's real. 100% real. She sends me a message. She's like, hey, my car's stuck in the snow. And I go, well, my parents aren't home right now. I'll come save you. I'll be the hero. I go down there, I save her, I bring her home. I'm like, hey, listen, let's go on some dates. First, I don't really want to get laid, like right now. And then she really wants to give me head. I say no. And I'm sitting there, she's talking about, oh, you have this big king sized bed. Oh, we could sleep in the same bed. And I say, this is probably where it's going to happen. So I go, all right, do you have any STDs? And the.

[Caleb Hammer]

She was already naked.

[Guest (37-year-old artist)]

Well, she got naked after we got in the bed. I said, no. I said, we're not doing it. She got in the bed, she got naked. She was trying to tempt me. I laid.

[Caleb Hammer]

How was she trying to tempt you?

[Guest (37-year-old artist)]

Grinding her ass on my dick. All night.

[Caleb Hammer]

All night. How long was there?

[Guest (37-year-old artist)]

Oh, well, generally eight hours is how long a night is.

[Caleb Hammer]

You always say no to these women for always saying things I don't understand.

[Guest (37-year-old artist)]

So far, yeah. Every opportunity has been me saying no. Yeah.

[Caleb Hammer]

Going from queso to queso. No.

[Guest (37-year-old artist)]

Yeah. Hey, they don't know the Queso joke. They weren't here for that.

[Caleb Hammer]

I think everyone sees you.

[Guest (37-year-old artist)]

Okay, I'm Queso. Wait. Boy, get this dude banned from every

[Caleb Hammer]

social media platform that ever existed. Look at this garbage. This is 11 pages of stuff data brokers have on people. Addresses, phone numbers, relatives, income statements. All of this creepy, invasive nonsense. And these companies are making billions selling your personal information without your consent. And that should make you angry. It makes me angry. And that's why this part of the video is sponsored by Aura. Aura finds the data broker selling your information automatically sends removal requests and keeps monitoring so your info stays off those sites. And Aura is a US based company focused on protecting your information, not monetizing it. Your information is Encrypted. And Aura doesn't sell your data. What I like is that it's not just one tool. You also get dark web monitoring for auto alerts and identity theft protection. Aura can even Deliver fraud alerts 650 times faster than their competitors. So if a competitor takes 10 minutes to alert you, Aura warns you in under a second before some criminal has even finished buying something in your name. Your data is being sold right now. While you're watching this, I'm not leaving myself or my family vulnerable. And you shouldn't either. Try 14 Days for free at aura.com hammer links on screen in the description and pinned comment below. All right, back to this disaster. Okay, so you brought up STDs and she wouldn't answer.

[Guest (37-year-old artist)]

She wouldn't answer this whole like, who did you talk to?

[Caleb Hammer]

After she said, who did you talk to? You didn't say, well, do you just have some.

[Guest (37-year-old artist)]

I said, I haven't talked to anyone. I don't know. And she said question, that is. And she's like, well, you need to tell me who you talk to or else nothing's going to happen.

[Caleb Hammer]

Okay. Well, I guess she ruined her chance

[Guest (37-year-old artist)]

to be with the man, Zebra pants. Hello?

[Caleb Hammer]

Okay, okay. Shut the up. So I'm gonna conduct a financial audit on you. Yeah, I guess. What the. Trying to get you out of your house. What are we trying to do here?

[Guest (37-year-old artist)]

I don't want to leave.

[Caleb Hammer]

What are we trying to do here then it might be best for you to leave. You might need to. I mean advice might be. You need to leave.

[Guest (37-year-old artist)]

I want to save my mom and my brother and get us out of California. What? Yeah.

[Caleb Hammer]

What do you mean?

[Guest (37-year-old artist)]

I'm the 37 year old virgin savior here. I'm gonna get them out.

[Caleb Hammer]

Does your brother live at home?

[Guest (37-year-old artist)]

Yeah.

[Caleb Hammer]

Holds he.

[Guest (37-year-old artist)]

What's 37 plus 6?

[Caleb Hammer]

Okay, so these parents have absolutely failed in every way whatsoever. These are failures of parents.

[Guest (37-year-old artist)]

Well, listen, I wasn't the one that was.

[Caleb Hammer]

Your mom even know what you do for a living while you live there?

[Guest (37-year-old artist)]

She knows that I draw.

[Caleb Hammer]

Oh my God, dude. She

[Guest (37-year-old artist)]

does.

[Caleb Hammer]

She does not communicate with you. What does she not care? Is she just a failure? She is a failure of a mother. I do have to say that she objectively is.

[Guest (37-year-old artist)]

Don't you dare call her a failure of a mother.

[Caleb Hammer]

She's a failure of a mother. You and your brother live this of seven years above you.

[Guest (37-year-old artist)]

Well, six years above me.

[Caleb Hammer]

She doesn't even know what you do for a living when you live there. And drop. What the and your goal isn't even to leave. Your goal is to get her out of California. Which. Okay, yeah. What, is she being killed?

[Guest (37-year-old artist)]

Well, I got her out of her marriage first. Abusive.

[Caleb Hammer]

Yeah, by you and your loser brother living at home forever. I'm sure that their marriage.

[Guest (37-year-old artist)]

I didn't quite marry my mom, but what the joke. Shut up.

[Caleb Hammer]

Now I'll just step onto this rock and jump off into the sweet relief of death.

[Guest (37-year-old artist)]

I am trying my absolute best.

[Sponsor/Announcer]

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 blog. 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 18 to get my mom

[Guest (37-year-old artist)]

up off her ass. Get her out of the state and we can talk about.

[Caleb Hammer]

How can you be that guy? You're not even off your ass. What does she do for a living?

[Guest (37-year-old artist)]

She works at an antique store. She's also retired and she's got half my dad's retirement.

[Caleb Hammer]

She's off her ass. Why? Can't. Why? What does she need you for?

[Guest (37-year-old artist)]

Paying for groceries.

[Caleb Hammer]

You want to leave California?

[Guest (37-year-old artist)]

Well, yes, but to where? Well, we're thinking Idaho.

[Caleb Hammer]

Why?

[Guest (37-year-old artist)]

Because it's Idaho.

[Caleb Hammer]

No, why the California emergency?

[Guest (37-year-old artist)]

Oh, because California is just. They're driving up our insurance rates on like fire and shit. Our town burned down.

[Caleb Hammer]

Yeah.

[Guest (37-year-old artist)]

And our house survived. And now our fire insurance has tripled and then tripled again and then.

[Caleb Hammer]

Which makes sense. But that's the only reason you want to.

[Guest (37-year-old artist)]

That's one big reason. Reason. And then the other reason is just when you're living in a burn down town, there's nothing around you. It's fallout out there.

[Caleb Hammer]

Okay. Usually you can move to another town, but I got. Okay. Oh, you guys want to move to another state? Sure.

[Guest (37-year-old artist)]

Well, there's the convincing part.

[Caleb Hammer]

So you pay for the groceries?

[Guest (37-year-old artist)]

Yeah, I pay.

[Caleb Hammer]

You pay for rent?

[Guest (37-year-old artist)]

I pay for my grocery. I don't pay rent. Of course not.

[Caleb Hammer]

She needs you to pay for your groceries.

[Guest (37-year-old artist)]

Well, I don't pay rent as long as I pay for myself.

[Caleb Hammer]

No, no, no, no, no. She said you said she needs you to pay for groceries is what you said earlier. But now you say you only pay for your groceries.

[Guest (37-year-old artist)]

I pay for my groceries. And then she. She eats some of it.

[Caleb Hammer]

Oh, buddy. What the.

[Guest (37-year-old artist)]

We're A family, Caleb.

[Caleb Hammer]

A really pathetic one. I'll be honest, from the looks of it, I think the dad was right to leave this nest.

[Guest (37-year-old artist)]

Well, there's a whole story about my dad. We'll get to that.

[Caleb Hammer]

Don't need him. Why the don't you like your dick getting sucked? I'm curious about that, you freak.

[Guest (37-year-old artist)]

Because it's a trust thing. I'm putting my most prized possession in a thing full of teeth. I need to be a hundred percent sure this ain't gonna bite down. Come on, man.

[Caleb Hammer]

Why would she?

[Guest (37-year-old artist)]

I don't know.

[Caleb Hammer]

Because I live the logical reason.

[Guest (37-year-old artist)]

Drug counting. I'm like 10.

[Caleb Hammer]

Why does someone want to eat a human skin? Get blood in their mouth, go to jail?

[Guest (37-year-old artist)]

I don't know. I watch a lot of criminal psychology. People eat hearts and dicks all the time, you freak.

[Caleb Hammer]

You're watching content that's poison in your brain and making you afraid of like Caleb. Basic thing. No, we've never made people afraid of that. We make people afraid of spending money on making people afraid of their 37 year old virgin living in their home forever and being bad parents.

[Guest (37-year-old artist)]

There's also a 43 year old virgin

[Caleb Hammer]

in there, you know he's a virgin?

[Guest (37-year-old artist)]

I think he is. Oh, he had a boyfriend for a while.

[Caleb Hammer]

Okay, well, the gays usually have sex a lot easier. He had a boyfriend. He was probably getting railed or railing.

[Guest (37-year-old artist)]

I don't want to think about that. So. Thank you.

[Caleb Hammer]

So what. What am I doing with you? That's my question. What the am I doing with you? Well, when you get to my financial audit on you. But what the am I trying to do for you?

[Guest (37-year-old artist)]

Get me to figure out how the hell did like save money instead of spending it on stupid shit for why?

[Caleb Hammer]

Because I actually do want you to have life goals. You need life goals and I think your life goals should be actually living an independent life.

[Guest (37-year-old artist)]

Well, I've learned I can live an independent life.

[Caleb Hammer]

How have you learned that?

[Guest (37-year-old artist)]

I lived in Ohio for a year.

[Caleb Hammer]

York, 40 hours a month.

[Guest (37-year-old artist)]

Well, no, come on. I make like 40 pictures.

[Caleb Hammer]

What's the. Oh, why?

[Guest (37-year-old artist)]

Well, I had a friend in Ohio. I met him at a Brony convention and we're gonna get to the Brony, don't you worry.

[Caleb Hammer]

We're gonna get to everything. Just never. Now we can get to it.

[Guest (37-year-old artist)]

Now you want to talk about Bronies?

[Caleb Hammer]

No, maybe I don't at all. So maybe we'll never get to it. What the. Why are you in Ohio?

[Guest (37-year-old artist)]

So anyway, met a guy at a Brony convention. Seemed Like a really cool guy. And we start talking online. He goes, hey, I have a house. $200 a month rent. If you want to move in, we got a whole room for you. I'm like, hell yeah. Sign me up. I go down there and move in. Then I find out he's creep far worse than me. Don't be.

[Caleb Hammer]

What does that mean?

[Guest (37-year-old artist)]

Wears diapers around the house and wants to f his brother.

[Caleb Hammer]

How are you not getting any red flags? You lived there for a year before you realized this?

[Guest (37-year-old artist)]

Lived there for a year? Well, it was actually six months before I found out about the diapers with him. Yeah, buddy, I didn't hear any crinkling. Okay, so does everybody. But anyway, the guy walked around the house just like a normal human being, and he went to work every day. I didn't really, like, hang out with him that much. I hung out with his brother more. His brother's a cool guy.

[Caleb Hammer]

But the confusing part is I actually am being told you were in a nine year relationship. How'd you guys not do anything for nine years?

[Guest (37-year-old artist)]

Well, it was an online relationship.

[Caleb Hammer]

Oh, my.

[Guest (37-year-old artist)]

Dude, come on. Good.

[Caleb Hammer]

Duh.

[Guest (37-year-old artist)]

Come on. People have online relationships.

[Caleb Hammer]

Yeah, but they meet at some point.

[Guest (37-year-old artist)]

Yeah, and it's like completely normal for them to never beat you sometimes.

[Caleb Hammer]

What? No, it's not. That is not normal. Let's not use the word normal.

[Guest (37-year-old artist)]

Well, okay, it was. It was a brony relationship for a. Oh, my.

[Caleb Hammer]

What is wrong with you? Look, I hate your existence. I'd rather be speaking to a racist.

[Guest (37-year-old artist)]

We can get there. I'm kidding. I'm kidding for the camera. I'm kidding.

[Caleb Hammer]

It wouldn't surprise me.

[Guest (37-year-old artist)]

Unfortunately, my dad. My dad was the racist, but not me. Didn't. Didn't rub off on me. Don't worry. My fans rub off on me sometimes. I'm kidding about that too.

[Caleb Hammer]

Oh, my God. Gosh. Dude, shut the up. You don't have to constantly try to make jokes. You're not necessarily good at them. You have been locked up in this room for way too long, you freak.

[Guest (37-year-old artist)]

And I'm wearing a hoodie. I'm making it worse on myself.

[Caleb Hammer]

Why were you with someone for nine years? Only online. Again, that just stacks with you living at your mom's house to 37. When did you break up with this individual? I assume woman.

[Guest (37-year-old artist)]

Trans woman. Yeah.

[Caleb Hammer]

Okay, yeah. How do you even know?

[Guest (37-year-old artist)]

Well, she told me after three years of being together.

[Caleb Hammer]

Did you think it was a woman? Woman. Woman. Classic.

[Guest (37-year-old artist)]

Oh, I hadn't even heard her voice for the first three years.

[Caleb Hammer]

Why oh, my. Oh, my. Dude, I don't. I don't have a response.

[Guest (37-year-old artist)]

This is blowing my mind.

[Caleb Hammer]

People like you should not exist.

[Guest (37-year-old artist)]

People like me don't exist. I'm one of a kind, baby. Come on.

[Caleb Hammer]

Unfortunately not. We just don't see you guys until you mass shoot something.

[Guest (37-year-old artist)]

Listen, I don't even have ammo for my gun, so we're all good.

[Caleb Hammer]

You have a gun?

[Guest (37-year-old artist)]

I have a shotgun. Oh. For the record, the gun was to defend the house from my dad. So was the metal door on the front of the house. My dad was a.

[Caleb Hammer]

Shut up. Shut up.

[Guest (37-year-old artist)]

Okay, we won't get into my d. I guess he's only a huge character in my backstory.

[Caleb Hammer]

Buddy, I'm still on the fact that you're dating someone for four years and didn't know that person was trans.

[Guest (37-year-old artist)]

Well, I learned they were trans because she talked to me in voice, and I noticed her voice sounded really masculine. I asked why, and then she says, well, I'm transgender. And I say, well, I told you I was a dude up front when we first met. And then you told me you were a woman up front. I kind of wish you were a little more honest about that. Then she calls me transphobic, and then I felt bad, and then I was like, you know what? I don't want to be transphobic. I'll stay with you.

[Caleb Hammer]

And to her, she is a woman, I guess is how it works.

[Guest (37-year-old artist)]

That's. Yeah, to her. Go for it. I ain't gonna rub in anybody's face about what they're doing in their private time, but.

[Caleb Hammer]

Well, I mean, it did kind of impact you.

[Guest (37-year-old artist)]

It did. Very.

[Caleb Hammer]

Inside of this person's private time. Did you feel things? Four years of just texting.

[Guest (37-year-old artist)]

Yeah. Yeah.

[Caleb Hammer]

Did you give her any money?

[Guest (37-year-old artist)]

Well, yes, I gave her a lot of money. I paid for HRT for three years.

[Caleb Hammer]

I knew it, Olaf. Yeah, she knew it. Of course. Because why was she, you know, she was getting railed in her asshole.

[Guest (37-year-old artist)]

Yeah, because she told me she was.

[Caleb Hammer]

And you're okay with that?

[Guest (37-year-old artist)]

I was a big, old, open polyamorous dude.

[Caleb Hammer]

Yeah, you poly, buddy. You're not poly if you're not with anyone.

[Guest (37-year-old artist)]

You know, I was trying to be.

[Caleb Hammer]

No, you guys being poly is your person that you were with was constantly someone that wasn't. You even hear this person's voice for four years and other three people hold three years while other people heard that person moan constantly.

[Guest (37-year-old artist)]

Yeah. You even get that she was married? Even didn't tell me she was married for eight years.

[Caleb Hammer]

Was she Cheating.

[Guest (37-year-old artist)]

Oh, she was cheating a lot. Yeah. On her husband. That was transphobic. That. When did this. She was transitioning, like two years ago when I was in Ohio.

[Caleb Hammer]

She paid for her to move to Pennsylvania or to Washington. Pennsylvania.

[Guest (37-year-old artist)]

She promised me we were gonna meet up finally. Because I was in Ohio. She was in Pennsylvania. Say it, man. Say the R word. Say it.

[Caleb Hammer]

No, no, no, no. It's not the thing you're being. You were like being catfished. But not just catfish. You were being scammed.

[Guest (37-year-old artist)]

Absolutely.

[Caleb Hammer]

For not. But for nine years. Did you realize this?

[Guest (37-year-old artist)]

Oh, I. I had my inklings. Especially with inklings.

[Caleb Hammer]

For nine years. You got some inklings?

[Guest (37-year-old artist)]

I got some inklings. I had a whole lot of inklings. And they were all people on the Internet telling me I'm being scammed and catfished, and I wasn't listening to them.

[Caleb Hammer]

Oh, and then she convinced you that you were trans?

[Guest (37-year-old artist)]

Yes.

[Sponsor/Announcer]

What?

[Caleb Hammer]

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 [e-mail] hammer that is PDS debt.com hammer PDS debt.com hammer what does that even mean?

[Guest (37-year-old artist)]

Well, we played a lot of video games together. Every time we played, I was playing a girl character. She's like, you know why you like girl characters? It's because you're a girl. I went along with it and.

[Caleb Hammer]

You went along with it.

[Guest (37-year-old artist)]

I went along with it.

[Caleb Hammer]

I have independent thought.

[Guest (37-year-old artist)]

Well, because it's like, when have you ever been in love?

[Caleb Hammer]

Yes.

[Guest (37-year-old artist)]

Oh, well, that kind of destroys my.

[Caleb Hammer]

And I them.

[Guest (37-year-old artist)]

Well, sometimes that's not a good thing.

[Caleb Hammer]

Not having sex with your partner.

[Guest (37-year-old artist)]

Okay, you make a good point.

[Caleb Hammer]

But listen, what was the point you were trying to make? How is it not always a good thing?

[Guest (37-year-old artist)]

Because also means like over. I'm being an idiot, so just, just, you know, whatever. So.

[Caleb Hammer]

Dude, focus in.

[Guest (37-year-old artist)]

Sorry. This is how I combat my nerves. I just keep making jokes like a idiot. Anyway, so. Yeah, paid for HRT multiple years. Paid for a move to Pennsylvania because she promised we were going to meet up because I'm in Ohio, she's in Pennsylvania. She's like, it's a 10 hour drive between us. Why don't we finally meet up?

[Caleb Hammer]

Sure, that'll do it.

[Guest (37-year-old artist)]

And then, I don't know, it was a couple thousand dollars at doordash later,

[Caleb Hammer]

I drive, you drive to the person

[Guest (37-year-old artist)]

I was offering to. I kept saying, hey, I know your address because of the door dashing. Why don't I just drive to your place and we can hang out. And she goes, oh, well, my husband's here. That's where it comes in that there's a husband involved.

[Caleb Hammer]

My.

[Guest (37-year-old artist)]

And I go, oh. So then I'm talking with a friend and then the friend finally convinces me, just go break up with her, dude. And I finally go do it.

[Caleb Hammer]

Oh, after nine years. That's pathetic.

[Guest (37-year-old artist)]

Nine years.

[Caleb Hammer]

You're pathetic.

[Guest (37-year-old artist)]

I was.

[Caleb Hammer]

No, you are pathetic. That thinking you were trans because a trans person told you you were trans. 37 year old virgin, live in a home.

[Guest (37-year-old artist)]

I had blue hair.

[Caleb Hammer]

You're pathetic. Can't even. You won't even accept a. Think they're gonna eat it. Yeah, like, what the. You are pathetic. No, there's no other way to look at it. That is the reality.

[Guest (37-year-old artist)]

How does a person like just logically. Just logically speaking about the blowjob thing.

[Caleb Hammer]

Everyone does it.

[Guest (37-year-old artist)]

How do you.

[Caleb Hammer]

Everyone does it. Everyone does it.

[Guest (37-year-old artist)]

How do you not get scared?

[Caleb Hammer]

Everyone. This is not a normal fear.

[Guest (37-year-old artist)]

How is that not a normal fear?

[Caleb Hammer]

Dude, a hand job that could squeeze it to death and make it pop like there's like anything could happen anywhere.

[Guest (37-year-old artist)]

Listen, there's teeth in there, okay? Have you ever seen the movie Teeth?

[Caleb Hammer]

Is it because you're always watching this animal? They got those big.

[Guest (37-year-old artist)]

I mean that could. That could play into it. Honestly. Maybe I need therapy.

[Caleb Hammer]

I think that's a good start for you.

[Guest (37-year-old artist)]

Remember that for the budget. Get me some therapy, man. Come on.

[Caleb Hammer]

I don't. Oh my God.

[Guest (37-year-old artist)]

Move the ball along.

[Caleb Hammer]

So this is like actual real. You're an actual real gunner. In a disgusting way. In a pathetic, bad, disgusting, horrible.

[Guest (37-year-old artist)]

I'm actually pretty heavily against gooning to be completely honest.

[Caleb Hammer]

You don't. Mate.

[Guest (37-year-old artist)]

Mate. But there's a different.

[Caleb Hammer]

How many?

[Guest (37-year-old artist)]

Probably once every two days average.

[Caleb Hammer]

Okay. Oh, you don't even watch real. You only watch animated. Yeah, buddy. What the is wrong with you?

[Guest (37-year-old artist)]

I don't want to see real people doing it. I want to see real people doing

[Caleb Hammer]

it because you need to actually get with a real person someday.

[Guest (37-year-old artist)]

Families. Come on, buddy.

[Caleb Hammer]

You need to. But that. You need to like warm yourself up to being with a real human someday or else you're going to be with like a animal.

[Guest (37-year-old artist)]

Well, I don't want to be with a real human who puts herself out on planet Hub. I want to be with a real person who's like a normal human being.

[Caleb Hammer]

No one's saying get with a. I don't think so. I was gonna get with you.

[Guest (37-year-old artist)]

Looking at a star who's on Hub. Gonna warm me up to a real world exposure.

[Caleb Hammer]

Therapeutic sucking.

[Guest (37-year-old artist)]

Well, it. Yeah, I guess a little bit. But the. But if I'm watching on Hub, that's not like a realistic kind of feel.

[Caleb Hammer]

So you're convinced you're trans. Did you actually do anything with that?

[Guest (37-year-old artist)]

Didn't get any kind of hrt. I just made my hair blue and wore pink socks for a while, but.

[Caleb Hammer]

Oh my God. Do you have a picture?

[Guest (37-year-old artist)]

I. Oh my God. I hope I don't. I burned that part of my life. I'm going to find out if I.

[Caleb Hammer]

Yeah, because that's weird. How can you be. How can you be convinced you're trans? How's that even possible? I know some kids go through to school but it's like, it's like dude, it's.

[Guest (37-year-old artist)]

I think there's like an entire like

[Caleb Hammer]

you were like 35.

[Guest (37-year-old artist)]

Yeah, 35. I think there's like something to be said about like people who convince people that they're trans because they talk kid. Well, for kids. I understand adults can be impressionable. You can have like a 60 year old guy because you have no life

[Caleb Hammer]

experience, because you've only lived at home, and you have no real. When's the last time you had a real job, dude?

[Guest (37-year-old artist)]

Working at Victoria's Secret when I was, like, 16. Saw my first boobs when I was 16 at Victoria's Secret, baby.

[Caleb Hammer]

They whipped out their tits.

[Guest (37-year-old artist)]

Yeah. We had models on site. It was a Hollywood location. We would have models in there to do photo shoots and then get naked in front of everyone. Yeah.

[Caleb Hammer]

Is that why you're so broken?

[Guest (37-year-old artist)]

Probably. The sex thing, the fear of sex. I can actually, like, pinpoint when that happened.

[Caleb Hammer]

Okay, tell me.

[Guest (37-year-old artist)]

11 years old, sex ed. They showed us a whole bunch of, like, really nasty STD shit. And then they brought in, like, the victims to talk about how they were and shit. And it was horrifyingly traumatizing for me.

[Caleb Hammer]

Going into hardcore. It was crazy at 11. I remember the std conversation at 11 and seeing pictures that didn't. With me. It was just like, I'm gonna get with people that are tested.

[Guest (37-year-old artist)]

Yeah. And. And the. The reason why, like, that was even allowed was my parents literally signed a permission slip.

[Caleb Hammer]

Yeah.

[Guest (37-year-old artist)]

That literally said, we're gonna have victims in here talking about, well, hey, don't anyone.

[Caleb Hammer]

And you'll be fine.

[Guest (37-year-old artist)]

I'm completely fine on that front, because I am. I ain't even consensually people.

[Caleb Hammer]

Because. Exactly. You're not consensually people. Were. You're not getting. No offense. Not really worthy. Number two.

[Sponsor/Announcer]

Thank you.

[Guest (37-year-old artist)]

That's a good combo.

[Caleb Hammer]

Number two. You can't move quick enough. Someone.

[Guest (37-year-old artist)]

And it's not big enough. Don't you even worry.

[Caleb Hammer]

Oh, my. Oh, shit, Chad. I'm so sorry. How big is it?

[Guest (37-year-old artist)]

Hard or soft?

[Caleb Hammer]

Hard.

[Guest (37-year-old artist)]

Four and a half inches.

[Caleb Hammer]

You laugh.

[Guest (37-year-old artist)]

I'm proud of my small. Don't you worry. He's my buddy. I love that, man.

[Caleb Hammer]

Can I have a tape measure, please? I need to. I need to visualize this.

[Guest (37-year-old artist)]

This is.

[Caleb Hammer]

This is deeply concerning.

[Guest (37-year-old artist)]

I've never.

[Caleb Hammer]

It still blows my mind that 5 is the average in the United States. Is that crazy?

[Guest (37-year-old artist)]

Half an inch below, but.

[Caleb Hammer]

Oh, shit.

[Guest (37-year-old artist)]

Yep.

[Caleb Hammer]

That's rough.

[Guest (37-year-old artist)]

That's a very familiar length you got right there.

[Caleb Hammer]

Oh, that's supposed to be the growth stage.

[Guest (37-year-old artist)]

That's the growth stage. That's the boy. Hey. He does damage. I've broken sex toys.

[Caleb Hammer]

It's like. Like, no movement. That's such limited movement.

[Guest (37-year-old artist)]

Wow.

[Caleb Hammer]

This is crazy. Crazy. You've broken. Did you say you broke sex toys?

[Guest (37-year-old artist)]

I've broken sex toys.

[Caleb Hammer]

Of course. I guess that's all you're getting with I.

[Guest (37-year-old artist)]

So I was like a crowdfunder for some auto dick sucking machine. And yes, it was therapeutic. I was trying to warm myself up to it.

[Caleb Hammer]

No, it's just gonna encourage you to never get out there. So how have you found women?

[Guest (37-year-old artist)]

Just online. Brony community, Furry community.

[Caleb Hammer]

Can you not just use a dating app, just a normal dating app and just get someone?

[Guest (37-year-old artist)]

I've tried to use a dating app and look at me, Caleb.

[Sponsor/Announcer]

Yes, but 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 there's gonna be other.

[Caleb Hammer]

There's gonna be women that look like you.

[Guest (37-year-old artist)]

Would you A woman who looks like me?

[Caleb Hammer]

No, of course not. But a woman that looks like you might. A woman that looks like you.

[Guest (37-year-old artist)]

So. Well, if I ever get extremely desperate and I don't want to be 40 year old virgin.

[Caleb Hammer]

No, I mean for what it's worth, I don't know what's happening. The fat women these days, just look at their comments. All the women are calling them beautiful and cheering them on and something they're.

[Guest (37-year-old artist)]

And that is absolutely something I don't want. They've just.

[Caleb Hammer]

They've been given an ego thing that is absolutely crazy. And then they go for like the hottest men and they. I don't know what the is happening

[Guest (37-year-old artist)]

because somehow the hottest men thing for.

[Caleb Hammer]

I mean you're a loser. But the reality is at least the fat men that aren't getting laid, they know they're losers for some reason with the gender reverse card. Like they don't realize what they are. I'd say I'm not at least recognized that I don't know what that part of our culture is, but it's very.

[Guest (37-year-old artist)]

Not that far from. From, you know, like I. I'd say I'm a loser, but sure. But I'm not that far off. I could get there. How many girlfriends you have?

[Caleb Hammer]

How many do I have? Yeah, one.

[Guest (37-year-old artist)]

Yeah, one more than me. All right, so I'm getting there.

[Caleb Hammer]

Okay. Interesting.

[Guest (37-year-old artist)]

I had that one in my back pocket. I'm sorry.

[Caleb Hammer]

The trans thing though. How long are you trans for? I'm sorry. Okay. Does that change your perspective on Trans people.

[Guest (37-year-old artist)]

No. What changed my perspective on trans people was talking to a lot of trans people, mostly in the Brownie community.

[Caleb Hammer]

What happened?

[Guest (37-year-old artist)]

That's a whole damn avalanche.

[Caleb Hammer]

That's what I'm asking.

[Guest (37-year-old artist)]

Okay, then I'll answer it.

[Caleb Hammer]

Other story. Like, shut up. If I'm asking about it, then tell me, mother.

[Guest (37-year-old artist)]

All right, all right. So brony community. That's where it all started. It all took off one day long ago, 2011, I made a comic. Everyone loved it. I got big in the brony community. So I'm going to conventions, I'm seeing a bunch of people. I get hanging out with a whole bunch of people yet. Yeah, I go to cons, I sell my art. People love my shit at cons. I made thousands of those things.

[Caleb Hammer]

Anyway, why not?

[Guest (37-year-old artist)]

Oh, you have no idea.

[Caleb Hammer]

I have no idea, so. Oh, it's because there's. I got a YouTube video here.

[Guest (37-year-old artist)]

Oh, yeah? Yeah, that's my.

[Caleb Hammer]

Has 9 million views 12 years ago. Wow, really living off of 12 years ago. You haven't done anything since then. That sucks.

[Guest (37-year-old artist)]

Well, I mean, that was update 300 to my comic.

[Caleb Hammer]

It's like art.

[Guest (37-year-old artist)]

I think that was an ongoing comic for multiple years. That was like, at the, I don't know, seven year moment of my comic. And I only ended it a couple years ago, so.

[Caleb Hammer]

Oh, my gosh. Okay. So many people are in the comments, like, why are we all taking a deep dive in your childhood? Your childhood is now ruined. Watching this episode, ladies and gentlemen.

[Guest (37-year-old artist)]

Well, it's. It's grim, dark, violent, pony shit. Of course it's ruining childhoods and I'm proud of it.

[Caleb Hammer]

Okay, okay, okay. But what about the trans people?

[Guest (37-year-old artist)]

Okay, so met a whole bunch of people, got a big giant friend group, got all these people surrounding me, and I started to, like, actually hang out with a whole bunch of people in the trans community. But mind you, it was the Brony community trans people. And they were just like. They're so goddamn picky about absolutely everything to the point where they got these rules, these, like, absolutely fascistic rules about how everything needs to happen, how conversation literally needs to happen. I've had people, when I said I was trans, I was agender, non binary. For the record, I was. Have any pronouns I want? Yay pronouns. So this girl walks up to me, who was a friend of mine for like four years at a point, and she goes, what are your pronouns? I go, any. And she goes, no, you have to pick one. And I go, any. And her boyfriend, like, nudges me and he's like, just say a pronoun. Just do what she says. And I'm like, her. And they go, okay, I'll ask him. I'll call you her from now on. She walks away. I'm just like, what was that? He's like, oh. She gets extremely mad if people don't pick pronouns.

[Caleb Hammer]

I'm like, huh, so now you don't like trans people?

[Guest (37-year-old artist)]

I think the trans community can get pretty bad, but no, my best friend's

[Caleb Hammer]

trans are definitely killing a lot of people these days. Nah, it's a joke kind of.

[Guest (37-year-old artist)]

Sometimes 43% of the time it's a joke.

[Caleb Hammer]

Dude.

[Guest (37-year-old artist)]

I don't even know they make that joke. I can make.

[Caleb Hammer]

Stop, stop, stop. I'm just trying to figure out what the to even do with you, man. What am I doing to make this a productive conversation? I'm definitely learning a lot about an alternate life path that I'm glad I did not go down. I guess I don't even know if it was an option for me, but, man, this is absolutely.

[Guest (37-year-old artist)]

Oh, it's always an option.

[Caleb Hammer]

Oh, oh. You were telling Lindsay that it's. They're all fascists.

[Guest (37-year-old artist)]

A lot of them. Yeah. Shitload. Pedos. Absolutely.

[Caleb Hammer]

What do you mean, pedos? What's happening? Pedos?

[Guest (37-year-old artist)]

Well, when you got a whole bunch of grown men who are watching a show for little kids, of course you're going to have the people who are using it to get in.

[Caleb Hammer]

I don't know what that means. Watching a show for little kids. My Little pony, or is that you?

[Guest (37-year-old artist)]

Well, I was watching the show just because I like the show.

[Caleb Hammer]

How's that difference?

[Guest (37-year-old artist)]

I'm not saying literally all of them are. I'm just saying there's a shitload of in there. A lot of people are using it as like a gateway drug into talking to kids.

[Caleb Hammer]

Qualify in that same. How do you. That's why I got out. How do you know they're pedos, though?

[Guest (37-year-old artist)]

Because they tell me they're pedos. They say I'm a yes directly to me that my. My. You know the diaper wearing dude?

[Caleb Hammer]

Yeah.

[Guest (37-year-old artist)]

Literally told me he would a kid if he could. That's why I moved out. I also called the police on him.

[Caleb Hammer]

Yeah, the person was trans.

[Guest (37-year-old artist)]

He wasn't trans.

[Sponsor/Announcer]

No.

[Caleb Hammer]

Well, I mean, what was there to call the. Unfortunately. What was there to call the police on? He didn't do anything. He just said something absolutely horrible.

[Guest (37-year-old artist)]

Well, I called the police and I said, this guy told me he wanted to a kid if he could, and you should probably check him out. They didn't do anything.

[Caleb Hammer]

Well, yeah, because again, they have to unfortunately have to actually do something. We can't.

[Guest (37-year-old artist)]

They got a warrant. They got a warrant later on. Scrubbed his hard drives and now he's in prison.

[Caleb Hammer]

Okay. Yeah, unfortunately, I am being told you literally draw underage content.

[Guest (37-year-old artist)]

Did draw underage content.

[Caleb Hammer]

FBI, open up. And when did you. Did you stop because I'm saying will draw underage content? Well, uh huh.

[Guest (37-year-old artist)]

Listen. Uh huh.

[Caleb Hammer]

Yeah. Someone else is a pattern. Not you.

[Guest (37-year-old artist)]

No, no, no, no, listen. Okay, so in the Brony community, one of the first big red flags that tipped me off that the Brony community was full of pedos was how unbelievably popular con is, which is con for ponies.

[Caleb Hammer]

So I know the word con define it though. I've heard it in drama ship.

[Guest (37-year-old artist)]

Childlike content is what it'.

[Caleb Hammer]

Okay.

[Guest (37-year-old artist)]

It's a Japanese word for like childlike.

[Caleb Hammer]

Okay, go on.

[Guest (37-year-old artist)]

Yeah, people are perverts anyway, so do not give me that look.

[Caleb Hammer]

What you were drawing. Where are.

[Guest (37-year-old artist)]

Continue. So in the Brony community, the con tag is one of the like top 10 tags.

[Caleb Hammer]

I told you, will. If you're hard for money in that moment, you will.

[Guest (37-year-old artist)]

Well, so will anyone.

[Caleb Hammer]

No, I wouldn't.

[Guest (37-year-old artist)]

If you could draw, you probably underage.

[Caleb Hammer]

I don't think so.

[Guest (37-year-old artist)]

Of fictional characters, mind you. Non human fictional characters. They're horses.

[Caleb Hammer]

What the. They're still kids, are they not?

[Guest (37-year-old artist)]

They're horse kids.

[Caleb Hammer]

Yeah, but people with the indication that they are children.

[Guest (37-year-old artist)]

I am not giving human rights to horse kids.

[Caleb Hammer]

Do you have a non nude version?

[Guest (37-year-old artist)]

No.

[Caleb Hammer]

Can you cover up a nude?

[Guest (37-year-old artist)]

No, it's all gone.

[Caleb Hammer]

Well, that's probably good for your hard drive. I'm just very curious. I don't want to say the naked part, but I'm very curious. Like what the. You're saying it's just a horse, but I have a hard feeling you're not just drawing like. Like spirit.

[Guest (37-year-old artist)]

Yeah, I am.

[Caleb Hammer]

What? And it's just like hyper realistic.

[Guest (37-year-old artist)]

Yep. Yeah, that's just. Well, not hyper realistic. It's stylized. It's my. But no, it's like human ponies. It's the ponies from the show.

[Caleb Hammer]

But it's humanized.

[Guest (37-year-old artist)]

Well, no, no, no, no. I would draw the little ones. The little like the marshmallowy ones. From friendships is Magic, voiced by Tara Strong. Hi Tara, by the way.

[Caleb Hammer]

Okay, so underage horses.

[Guest (37-year-old artist)]

Yeah. And also known as full con.

[Caleb Hammer]

What's that?

[Guest (37-year-old artist)]

A foal is a young horse.

[Caleb Hammer]

And what would happen.

[Guest (37-year-old artist)]

So that tag is incredibly popular. In the brawny community, they really, really, really like full con.

[Caleb Hammer]

Lock them all up. Okay?

[Guest (37-year-old artist)]

Yeah, exactly.

[Caleb Hammer]

And the guy who drew them.

[Guest (37-year-old artist)]

Listen, when there's perverts and they know where to go to get their perverted shit. Here's a thing, here's a thing. I talk to my customers. I'm an artist that actually talks to each and every individual customer. So they come to me and they're telling me what they want. I get to find out is this just some guy with a weird. Or is this like a guy who actually wants me to draw a real life of his actual little sister? Which is a true story by the way.

[Caleb Hammer]

Did you?

[Guest (37-year-old artist)]

No.

[Caleb Hammer]

Okay.

[Guest (37-year-old artist)]

Got the police involved. That guy's in prison.

[Caleb Hammer]

Okay, but you have drawn literal penises of underage.

[Guest (37-year-old artist)]

Not of real people, but of ponies. Yeah.

[Caleb Hammer]

Yes.

[Guest (37-year-old artist)]

It's a horse dick. Yeah.

[Caleb Hammer]

So the kids in the show.

[Guest (37-year-old artist)]

Uh huh. Scootaloo, Sweetie Belle, the kids in the

[Caleb Hammer]

show, you have drawn them naked.

[Guest (37-year-old artist)]

Yeah.

[Caleb Hammer]

How is that not beyond?

[Guest (37-year-old artist)]

Because I'm not the one gooning to it. The people who are paying me for it are the ones gooning to it.

[Caleb Hammer]

Okay, so if you're the one that takes child photos, you're not the villain, just the people that get off. That's your logic.

[Guest (37-year-old artist)]

Of course you're the villain. But a real child's involved.

[Caleb Hammer]

But that's your logic though.

[Guest (37-year-old artist)]

It's a real child versus a fictional. Fine, fine. If you generate, generate, generate AI.

[Caleb Hammer]

AI and then do the art to it.

[Guest (37-year-old artist)]

Arrest anyone who's making like realistic AI.

[Caleb Hammer]

But that's following your same logic. As long as a real person's not involved, you still picked a child.

[Guest (37-year-old artist)]

The law states that if it can be mistaken as a real child or looks like a real child, it's illegal. But if it is obviously not a real fucking moral. Dude, it's legal. Oh, morally wrong. That's why I got out of it.

[Caleb Hammer]

Be honest. When's the last time?

[Guest (37-year-old artist)]

Seven years ago. Bullshit. No, I got out of the Brony fandom and I stopped, full stop. Erased every bit of it that I had online. And I said I don't do that anymore.

[Caleb Hammer]

Okay, but on that shit you have that you just showed me, you will draw young looking characters.

[Guest (37-year-old artist)]

I draw petite characters.

[Caleb Hammer]

Yes, exactly.

[Guest (37-year-old artist)]

So you still do small.

[Caleb Hammer]

It's not My Little Pony, specifically.

[Guest (37-year-old artist)]

Technically speaking, it still does fall under the category of. Because that just means childlike.

[Caleb Hammer]

Yeah. Petite, naked children.

[Guest (37-year-old artist)]

It's not real children though, you furries sometimes anime characters and shit like that, but anime characters? Yeah. Naked, not Naked, Usually. Well, sometimes, yeah.

[Caleb Hammer]

And the children?

[Guest (37-year-old artist)]

No, they're petite in the source material. They're not children. They're full grown 7 million year old dragons. Also, I don't draw the ones that literally look like kids. Just for the record, just for the camera.

[Caleb Hammer]

Maybe they actually can have a second holocaust. It's just all a pedos.

[Guest (37-year-old artist)]

Okay, get rid of the pedos. If I go too. As long as the other ones go, I'm all for it.

[Caleb Hammer]

Yes, I'm down. I think we're all okay with that. Okay, bye. Bye.

[Guest (37-year-old artist)]

Where's Thanos? He snap yet?

[Caleb Hammer]

This is insane. I mean, you've been canceled for being called a pedo groomer. Like what the is that being a groomer pet?

[Guest (37-year-old artist)]

What the. No, no, no, no, no, no. Alleged people called me a pedo because of that shit that I drew.

[Caleb Hammer]

Yes. And I think that's actually kind of fair.

[Guest (37-year-old artist)]

You don't pull groomer into that. There ain't. There ain't never been grooming.

[Caleb Hammer]

I've never talked to a kid before being told groomer. What's the. What's the groomer thing?

[Guest (37-year-old artist)]

That's a. That's a story. The groomer thing.

[Caleb Hammer]

Oh, so there is a groomer that. You're making it sound like that didn't exist.

[Guest (37-year-old artist)]

Well, it doesn't exist. It was a mistake.

[Caleb Hammer]

Well, what's the story? Or what was the allegation? Before you tell me the reality, give me the allegation.

[Guest (37-year-old artist)]

Okay, the allegation was, wow, there's so many pedos in the Brony community. Ever Since I was 12, I've been groomed by people, blah, blah, blah, blah, blah. And she was saying that. And the pedos she was talking about was me. But I didn't talk to her when she was 12. I talked to her when she was 20. She was turning 21 like a month later.

[Caleb Hammer]

Listen, we know you're here to see an 11 year old girl.

[Guest (37-year-old artist)]

She said she was 12. That was when I met her. She was 20.

[Caleb Hammer]

What was the allegation? That you groomed her.

[Guest (37-year-old artist)]

The allegation was that I groomed her. Yeah, she was. She called me a pedo.

[Caleb Hammer]

I'm not saying that happened. Well, yes, I would say you're a pedo based on the art that you do. Yes, but besides that. No, you still do not. Just not My Little Pony. It's anime character.

[Guest (37-year-old artist)]

Girls can be small, man.

[Caleb Hammer]

No, but if you make them look adolescent and petite. Come on, you know what they're getting off. Off on.

[Guest (37-year-old artist)]

I don't, I don't Make a mad

[Caleb Hammer]

Alison Petite cover the naked part and show me an example before we get back into this chaos. Quick word from today's sponsor. Look, we're halfway through the year. If build better credit was one of your goals in January and you still haven't done anything about it. Yeah, you're not alone. A lot of people wait until they got denied for a car appointment or loan and then suddenly it's an emergency. That's why today's video is sponsored by Kickoff. Kickoff is a simple credit building platform for people starting from zero or trying to rebuild. No credit check, no hidden fees, no interest. You sign up in minutes on your phone, make small on time payments and Kickoff helps you improve the key factors that determine your credit like payment history, credit mix and utilization. And this one is the big one. Users with credit under 600 grow an average of 86 points just by paying on time. They've also got rent referrals reporting, so the rent you're already paying can help you build credit too. Start building credit with Kickoff today and get your first month for as little as $1. That's 80% off the normal price. When you go to getkickoff.com Caleb today, that is kickoff without the C. Get K-I K-O-F-F.com Caleb must sign up and getkickoff.com Caleb to activate offer offer applies to new kickoff customers first month only subject to approval Offer subject to change average first year credit score impact of plus 86 points between August 2024 and August 2025 for kickoff credit account users who started with a score below 600, who paid on time, who had no delin or collections added to their credit profile during the period. Late payments may negatively impact your credit score. Individual results may vary. All right back to this financial disaster. My Gamersup's 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 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 one calorie, liquid assets for less than 40 cents a serving. Plus all the freebies until they're gone. Gamers House is fully stocked and shipping worldwide right now. All you need to do is head to Gamer gamersupps, GG Caleb, or click the link in the description below. This stuff is a game changer. Yes. Just screenshot it. And I want the most.

[Sponsor/Announcer]

Not

[Caleb Hammer]

the one that you should select. Should be. Don't cherry pick, because I know you're able to cherry pick.

[Guest (37-year-old artist)]

Oh, I'm just going for the. I literally have a character that's a petite girl. That's one of my.

[Caleb Hammer]

You're saying girl?

[Guest (37-year-old artist)]

Yeah. Girl means woman. It means female. Come on, screenshot it.

[Caleb Hammer]

Then do the draw tool and cover up the nakeds.

[Guest (37-year-old artist)]

Okay.

[Caleb Hammer]

We have been provided some covered photos from beforehand that we will censor and put on screen now. Yeah, yeah. I'm sorry. The one on the right is a kid. I mean, that's a kid. That's a kid. The one on the right is a right.

[Guest (37-year-old artist)]

I don't know which one you love, kid. That isn't even my art.

[Caleb Hammer]

Huh?

[Guest (37-year-old artist)]

That's not mine.

[Caleb Hammer]

Okay, then I need.

[Guest (37-year-old artist)]

That's the girl who called me a pedo. She drew that.

[Caleb Hammer]

Okay, then she's a pedo, too. Is this.

[Guest (37-year-old artist)]

I guarantee she is. No, that one's not mine.

[Caleb Hammer]

Oh, no, no, no. The screenshots below are from the accusations. I need to see your art. Come on.

[Guest (37-year-old artist)]

Okay. It. It's loading.

[Caleb Hammer]

Are you on the WI fi?

[Guest (37-year-old artist)]

I am on the WI fi.

[Caleb Hammer]

You sure?

[Guest (37-year-old artist)]

Yeah, I got on.

[Caleb Hammer]

No, I'm not seeing Wi Fi.

[Guest (37-year-old artist)]

Just

[Caleb Hammer]

3G.

[Guest (37-year-old artist)]

That's when, you know, the poor filled the load image. Yeah, it was trying to load it on the failed to load image. All right, I'll reconnect to the WI fi.

[Caleb Hammer]

So while he pulls it up. This is the accusation. So this is the proof that I have that was given to me. And we are putting this here. Feel like I'm like a drama creator right now, but I'll do it. Okay, so controversy with the screenshots. Number one, evidence that the girl was flirty. Oh, this is from him. So this is the defense, not her accusations. Okay. That the girl was flirty with me drawing our characters together. So they drew your characters together.

[Guest (37-year-old artist)]

Yes.

[Caleb Hammer]

Birthday gift for that. You.

[Guest (37-year-old artist)]

Yeah, you'll have to believe that.

[Caleb Hammer]

And the twin he made, she made with you as well on stream. Okay. Number two, her vague posting about pedos a few days after she blocked me and ended the friendship. This is the post I mentioned where she went on Twitter and called me a pedo. I'm who she's referring to, mind you. She was 20 at the time and I was 34. I've been in an MLP. What's that? My little bunny fandom since I was 14. Nearly seven years later and there are still the same amount of pedos. Kind of sad. TBH. Number three evidence. Her birthday is January 16th and her current age on her Twitter bio, which confirmed she was in fact 20 at the time. They're still pedophiles in the Phantom. Which doesn't mean you, by the way, which you are. She said was about to turn 21 in a few days. Actually didn't know until now. Well, when did you know? Or so you may have thought she was underage.

[Guest (37-year-old artist)]

No, I definitely did not.

[Caleb Hammer]

May have known.

[Guest (37-year-old artist)]

May have known what?

[Caleb Hammer]

That you didn't know until now. You said I didn't know until now. Searching her Twitter for the last hour that her birthday was in January.

[Guest (37-year-old artist)]

Oh, because I thought her birthday was like three days after when she called me a pedo and blocked me.

[Caleb Hammer]

Oh, she's hideous. Number four. Before and after selfies of her. Good. What's the difference?

[Guest (37-year-old artist)]

I personally think that the before looked pretty good. The after definitely doesn't look good.

[Caleb Hammer]

Okay, so the seven in your bed was.

[Guest (37-year-old artist)]

The seven in my bed looked like the one on the left. Yes. Hey, everyone's seven is a different seven.

[Caleb Hammer]

That's what I tried to say at the beginning. You said there's a man scale.

[Guest (37-year-old artist)]

There is a man scale. It's just different for every man.

[Caleb Hammer]

You see how right up my alley she wasn't? Yeah, how much she let herself go. That's letting herself go. And went full nose ring therapy. All she did was add a nose. Okay. She said dodge a full cliff. Apparently it goes. Dude. Yeah. Hey, guess what? If you're in the freak community, you're gonna get canceled for being in the freak community. Because all the freaks are the people who do cancel culture. Bullshit. Yes. If you surround yourself with those freaks, you're gonna face the consequences from those freaks. That's why I only allow normal people in this community. Yeah, because I don't want freaks like this. Because they do.

[Sponsor/Announcer]

Just 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 varies. 18 plus.

[Caleb Hammer]

Cancel each other for nothing. They weaponize terms like grooming they weaponize terms like pedo. They do all this shit, which I

[Guest (37-year-old artist)]

hate, and I got the out of it because I was sick of it.

[Caleb Hammer]

Yeah, you did a little pedo adjacent and stuff, though. Come on.

[Guest (37-year-old artist)]

I drew some adjacent I was being paid for, and now I just saw some petite characters. It's fine.

[Caleb Hammer]

Paid justifies, guys. It's just following orders.

[Guest (37-year-old artist)]

Hey, some people sell drugs. I just.

[Caleb Hammer]

A really funny foreshadowing tweet I found while looking through her tweets. The irony.

[Guest (37-year-old artist)]

It is not. It is not loading anything.

[Caleb Hammer]

Find it from somewhere else then. Dude, buddy, come on. What is wrong with you?

[Guest (37-year-old artist)]

I got to have something on my phone.

[Caleb Hammer]

Yes.

[Guest (37-year-old artist)]

I'm a pidoo if you're wrong.

[Caleb Hammer]

Okay? Potentially deep, meaningful relationships. Wait, it's me who's ruining them. Always has been. She posted that? Okay, buddy, you are too deep. You screenshot a tweet from her from 2000 for proof that you are terminally online. You have no life. This is so sad. This is so Sad. Listen, number six, the DMS I sent her on December 4th, not knowing at the time she had already written me off as a pedo on the second. Hey, believe out her name. I haven't fully recovered from my depressive state. I've been in. Maybe go outside. Come on. All right, Everyone come behind me. Everyone come. Except. Except for Lindsay, because Lindsay has to be nice to him. Okay, I'm not gonna force you to give your opinion. Is this childlike? Age question mark, Question mark.

[Guest (37-year-old artist)]

She's a stuffed animal. She's like thousands of years childlike.

[Caleb Hammer]

It's very inanimate.

[Sponsor/Announcer]

I don't.

[Caleb Hammer]

I don't. Childlike. Okay.

[Guest (37-year-old artist)]

Yeah.

[Caleb Hammer]

Lock this guy up. Okay, That's a kid. Dude.

[Guest (37-year-old artist)]

You all, Man. Someone had to be on my side. That is not a child. Look at the hips on that.

[Caleb Hammer]

You said I wanted to send you an apology. I came on really strong with having a crush on you, and I don't think I respected what you were going through with your breakup and stuff, especially because I didn't even know the whole story. I'm comfortable just being friends. I didn't want to be pushy or anything. And if I made you uncomfortable at any point, I'm really sorry. You're a good friend, and I'm completely fine keeping it at that. Especially because there's a pretty big age gap between us anyway. 14 years is pretty like. Yeah. Hope you've been doing well, huh? So she just.

[Guest (37-year-old artist)]

Should we get into the full story? So, you know, what the hell going.

[Caleb Hammer]

No, you make 3,000 hours a month is kind of. If it's 32,000 hours a year, it's about 3,000 bucks a month.

[Guest (37-year-old artist)]

Uhhuh.

[Caleb Hammer]

You need to set a little bit aside for taxes. But you're not going to be tax that. But you do have like self employment.

[Guest (37-year-old artist)]

I think in California I don't get taxed unless it's over 36.

[Caleb Hammer]

Yeah, but there is the federal government as well.

[Guest (37-year-old artist)]

What does that mean?

[Caleb Hammer]

You have to pay federal taxes?

[Guest (37-year-old artist)]

What do you mean?

[Caleb Hammer]

Have you filed?

[Guest (37-year-old artist)]

I file as a dependent with my mom.

[Caleb Hammer]

Oh my gosh, you're so pathetic. Okay, so you probably don't pay anything, right?

[Guest (37-year-old artist)]

State of California says I don't need to.

[Caleb Hammer]

Not the state of California, the federal government. Yeah, of course California is going to enable freaks like you. Sure, I get that. That's predictable.

[Guest (37-year-old artist)]

Well, I've tried to get the enabling for my disability, but they won't. They won't get me.

[Caleb Hammer]

What disability do you have?

[Guest (37-year-old artist)]

Rheumatoid arthritis.

[Caleb Hammer]

Look at my weird fingers Yourself in Anime Land.

[Guest (37-year-old artist)]

If it. If it means that the. If it means that the pain goes away, I'll go all over it. Don't you worry.

[Caleb Hammer]

You can draw for a living. Yeah, shut the up.

[Guest (37-year-old artist)]

I can. I can sit down and draw someone getting knotted by a werewolf and make 400 bucks and then just go eat.

[Caleb Hammer]

Buddy. You make $32,000 a year.

[Sponsor/Announcer]

Okay.

[Caleb Hammer]

And you game for eight hours a day.

[Guest (37-year-old artist)]

More than eight.

[Caleb Hammer]

Exactly. So shut up. You can do customer service.

[Guest (37-year-old artist)]

Customer service?

[Caleb Hammer]

Yes. That's a job that exists in the real world that people do. We have people like them here.

[Guest (37-year-old artist)]

Otherwise how the hell would customer service work from home?

[Caleb Hammer]

Many do.

[Guest (37-year-old artist)]

Do they?

[Caleb Hammer]

Yeah. Hourly work from home? Yes, absolutely.

[Guest (37-year-old artist)]

Huh. That's the thing I can do.

[Caleb Hammer]

You can do a lot. I.

[Guest (37-year-old artist)]

No, I mean like, like I really genuinely did not know that was a thing I could do.

[Caleb Hammer]

That creature. I'll get you a course career certification in a certification of your choice. You can do tech, you can do trade trades. You're not trades. But then that will maybe go into it or something. So I'll get you that. A lot of people in the audience have converted them into six figure jobs, but what the do you think your financial score is? 0 to 10?

[Guest (37-year-old artist)]

4.

[Caleb Hammer]

I don't even know how. I mean, you're pathetic. You have nothing going for you in life. But sure, if you want to figure out what your Hammer financial score is, get it for free@caleb hammer.com. take the assessment. Figure out where you stand in the world of money. Where you're doing poorly, where you're doing great. And if you don't want to be like a guest that ends up on the show, it's going to. I mean it's going to take a lot more than this for this kind of guest. But. But the usual guest, make sure to download the Dollarwise app, take the free trial, see if you like it. And if you do, sign up for the annual version cause it saves you nearly 50%. And you get the physical version of my 30 day meal plan signed by me, mailed directly to you. And the digital version of our cookbook. So there you go. Do you cook?

[Guest (37-year-old artist)]

I would love to.

[Caleb Hammer]

Oh my.

[Guest (37-year-old artist)]

I just got a cast iron skillet. I'm gonna try my best.

[Caleb Hammer]

You got a cast iron skillet to cook? Freak.

[Guest (37-year-old artist)]

Yeah, but it's cool. All the cool kids have the World of Warcraft cast iron skillet. Okay.

[Caleb Hammer]

It requires a lot more maintenance.

[Guest (37-year-old artist)]

Well, I mean, I can try to do maintenance.

[Caleb Hammer]

Oh shit, dude.

[Guest (37-year-old artist)]

Is maintenance something I can do from home?

[Caleb Hammer]

How do you eat?

[Guest (37-year-old artist)]

Mostly doordash.

[Caleb Hammer]

Oh my God.

[Guest (37-year-old artist)]

Burn downtown. What am I gonna get?

[Caleb Hammer]

Like if there's restaurants to doordash, one of those groceries you can go get.

[Guest (37-year-old artist)]

Good point. I can doordash the groceries. Good, good.

[Caleb Hammer]

Even at a minimum that at least start building some life skills at 37, I think. Yeah, that would be fine. Okay, let's see. What do we have? PayPal Credit. What's going on here?

[Guest (37-year-old artist)]

Okay, so PayPal Credit's my everything. That's. That's all I got. Every bit of money I ever make, every bit of money I ever owe, it's all PayPal credit.

[Caleb Hammer]

Why?

[Guest (37-year-old artist)]

That's just how people pay me.

[Caleb Hammer]

Oh, you get paid through? Yeah, but this is like the credit card. Well, yeah, but it goes into PayPal through credit. Through pay. You get paid through PayPal? Yes, but this is your PayPal credit account.

[Guest (37-year-old artist)]

It's connected.

[Caleb Hammer]

Okay, well, it's over the limit by hundreds of dollars. Thousands. Is it higher now?

[Guest (37-year-old artist)]

The limit was changed to like 2000, I think so. My.

[Sponsor/Announcer]

They cut it.

[Guest (37-year-old artist)]

Yeah.

[Caleb Hammer]

And they should. Because you're being enabled by every system. The state of California, your mom, your brother, even the people. Listen, I still. Here's the thing. The finances are very important to go through, but the actual end outcome is what's important. Because you're not going to commit to anything if there's not an actual goal or anything. Why can't we get you living out? Well, come on. Why can't we get you to move out and try to be independent.

[Guest (37-year-old artist)]

Well, because I want my mom to go with me.

[Caleb Hammer]

She can move nearby. What are you. You don't provide to the house.

[Guest (37-year-old artist)]

That is kind of the goal I do want to live on, but I want her to come with me.

[Caleb Hammer]

You don't provide to the house. What's preventing her from going wherever anyway?

[Guest (37-year-old artist)]

I mean, sometimes I try to buy my best. I'll get gas for the car. I'll pay for. I paid for a refrigerator.

[Caleb Hammer]

You gonna share a car?

[Guest (37-year-old artist)]

Yeah, we share a car. I don't own a car.

[Caleb Hammer]

You're just never gonna. You're never gonna be independent. You're never gonna be independent. You're such a fool. I was independent. You're bragging about sometimes paying for the gas here, man. Buddy, you looked at someone with a diaper and you couldn't even tell. You don't know what the f is going on. Shut the fuck.

[Guest (37-year-old artist)]

Well, he didn't crinkle. He got the diapers that were the cloth ones. He was a weirdo. He was wearing the adult diapers. He wanted to his brother. We never even touched on that.

[Caleb Hammer]

I don't need to. He wanted to his brother. He's weird. Okay, there's nothing else to talk about there.

[Guest (37-year-old artist)]

Okay.

[Caleb Hammer]

Right.

[Guest (37-year-old artist)]

Yeah. They got a story done. Honestly, no. Put my mustard in the crash in the trash.

[Caleb Hammer]

I don't care about your mustard.

[Guest (37-year-old artist)]

I care about my mustard. I don't draw kids name.

[Caleb Hammer]

Yes, you do.

[Guest (37-year-old artist)]

No, I don't.

[Caleb Hammer]

What if you call it a different word? It doesn't change the reality of what is being provided. We all saw that person. That person's a kid.

[Guest (37-year-old artist)]

It's a stuffed cat.

[Caleb Hammer]

It's a kid that has a little bit of more animal characteristics because it's

[Guest (37-year-old artist)]

a furry and a little bit more.

[Caleb Hammer]

The people that practice furry shit, yes, it's anime. But the people that practice furry things are still humans underneath the furry.

[Guest (37-year-old artist)]

Sometimes some of them are way more into the animal shit they're into like the Barb. Yeah, but they're still people. Some of them go like, you've seen the dog girl before. Some people throw their humanity out for the furry shit.

[Caleb Hammer]

But if you that person, you're not fucking an animal. You're fucking a person.

[Guest (37-year-old artist)]

Some people like to think they are fucking animals.

[Caleb Hammer]

I know, and that's freaky. But you drawing that it's a human. Well, if furry characteristics.

[Guest (37-year-old artist)]

If someone can a person and pretend they're an animal while they're doing it, then what? Who's to say they can't a person and think They're a kid while they're doing it.

[Caleb Hammer]

Let's be very clear to follow your logic. If someone. A kid, that is dressed in furry shit, it's no longer pedophilia because it's actually just a furry.

[Guest (37-year-old artist)]

It's absolutely pedophilia. Kill that person, buddy.

[Caleb Hammer]

That's your logic that you're using for your own?

[Guest (37-year-old artist)]

My artwork's fictional. There ain't a real kid being hurt.

[Caleb Hammer]

So that's what matters in the end, Whether or not someone's being hurt, not what's being consumed and drawn.

[Guest (37-year-old artist)]

Absolutely. Yeah.

[Caleb Hammer]

Okay. So you can draw underage. That's okay. As long as no one's being hurt.

[Guest (37-year-old artist)]

I don't care what the people draw, as long as nobody's hurting anymore.

[Caleb Hammer]

There you. Thank you. We're fine. That's the.

[Guest (37-year-old artist)]

I don't draw it anymore.

[Caleb Hammer]

Anymore. That's your character.

[Guest (37-year-old artist)]

Yeah, I don't draw that character. I have characters that are off limits because they're too childlike.

[Caleb Hammer]

Dude, I don't know, man. I don't know.

[Guest (37-year-old artist)]

In fact, everybody knows a couple of my characters that I'm like. This character looks a little too much like a kid. I'm never gonna drop them. I gotta. I got a list of them.

[Caleb Hammer]

Sure. So I'm also being told you endlessly, when you need money to, like, to pay for this minimum payment, for example, you go in your little discord, which is your entire ecosystem and your entire life, which, I mean, mean, when and if I have kids, I'm just not even gonna let them touch a device. 18. Because of people like you. Like, if they become this. I'm literally gonna kill myself. That's not even a joke.

[Guest (37-year-old artist)]

I will absolutely scare any child away if I possibly can. Don't you worry.

[Caleb Hammer]

Yeah, because you'll draw them.

[Guest (37-year-old artist)]

I don't think kids should be on the Internet.

[Caleb Hammer]

Yeah, because then they'll see themselves drawn by you.

[Guest (37-year-old artist)]

If that's what it takes. I'm kidding. I'm kidding.

[Caleb Hammer]

I don't know, man.

[Guest (37-year-old artist)]

I ain't gonna draw kids.

[Caleb Hammer]

Also, by the way, you paying $200 a month is not being independent in Ohio. $200 a month in rent? What the are we doing here? That's not a real rent payment. That's not even a utility payment. Shut the. What did he raise it to 250?

[Guest (37-year-old artist)]

He raised it to 275. Shut up. After a raccoon broke in and I told him, call the up.

[Caleb Hammer]

But apparently, you go into discord and you endlessly e beg for money.

[Guest (37-year-old artist)]

I don't Ebag. I open for commissions. That's not ebagging. I say, hey, everybody, I need pizza. There's commission slots open. People send me DMs. They get commissions. They get the characters drawn each other. I get to eat Little Caesars.

[Caleb Hammer]

Yeah, but what you do is you go on. Then you're endlessly saying, like, oh, you know, my money situation's really bad. This is why I need the money. This is why I need the money. You're e begging for the commission. You're not like, here's my transparent. You're not like, here's my talent. If anyone buys, I'm telling people, people are sympathy donating to you.

[Guest (37-year-old artist)]

I got fillings that need to be filled. They're like $275.

[Caleb Hammer]

You're like, boogie 2988 on there. That's all you're doing.

[Guest (37-year-old artist)]

Hey, at least I have canceled cancer. I don't have cancer. I'm joking. That's a stupid joke. I have the arthritis, though. You can see my weird finger.

[Caleb Hammer]

But you literally game all day.

[Guest (37-year-old artist)]

I got nothing for that one.

[Caleb Hammer]

Exactly. So shut the up. And, buddy, I know the gaming shade that gets your fingers twisted. So I know you're doing.

[Guest (37-year-old artist)]

Huh?

[Caleb Hammer]

Like, shut the. Like, actually shut up. This is so pathetic. The way you are acting.

[Guest (37-year-old artist)]

Got a weird pinky right there. Doesn't. Doesn't unbend.

[Caleb Hammer]

I don't care. There's a lot of things you can do in life. Just like you literally are on your computer all day. Instead of being hired for your talent, you're in there e begging. And that's why some people are pathetically,

[Guest (37-year-old artist)]

they are hiring me for the talent. People want their character drawn by me, not by some other artist who charges less.

[Caleb Hammer]

Then why would you have to tell them, you there, you need it for your film?

[Guest (37-year-old artist)]

Because I want to be transparent. I want to tell them where their money's going. So when a charity opens, it says where the money's gone.

[Caleb Hammer]

They don't even know where they're watching. Yeah, but that's charity. That's a donation.

[Guest (37-year-old artist)]

Yeah, and they know where the money your product.

[Caleb Hammer]

No, when people watch this, they don't need to know where I spend my money.

[Guest (37-year-old artist)]

I'd like people to know where they're spending their money. It's like, hey, your money isn't just gonna go disappear into me getting blow. It's gonna go for me getting new teeth.

[Caleb Hammer]

No, it should be based on the product they're getting. Product and service are getting nothing.

[Guest (37-year-old artist)]

I display the product too. I'm like, look, but that should be

[Caleb Hammer]

why they're getting it. Not because you're pathetically e. Begging.

[Guest (37-year-old artist)]

I just like to explain to people where my. Where the money goes. Some people just like to know that.

[Caleb Hammer]

Do they even actually really know where the money goes? Because do you even know where the money goes?

[Guest (37-year-old artist)]

I know where the money goes.

[Caleb Hammer]

Where does the money go?

[Guest (37-year-old artist)]

Mostly to video games.

[Caleb Hammer]

Okay. Or like $600 going out to eat a month.

[Guest (37-year-old artist)]

600?

[Caleb Hammer]

600.

[Guest (37-year-old artist)]

Is that what it is?

[Caleb Hammer]

600. See, you don't even know my 600 pound life.

[Guest (37-year-old artist)]

Jesus Christ. I didn't know it was 600. What else is on that guy?

[Caleb Hammer]

Spend dramatically more than you make. It's not even close. And it's mostly because, I mean, we're maxing out this credit card and everything. It's really bad. And I mean, for what it's worth it. You have made a lot of money. 2018, you made 91k.

[Guest (37-year-old artist)]

Huh?

[Caleb Hammer]

Do you pay the taxes for that?

[Guest (37-year-old artist)]

No. And they're after me for that one.

[Sponsor/Announcer]

Good.

[Caleb Hammer]

They should come and lock you up

[Guest (37-year-old artist)]

for multiple reasons, but I'm getting on that one at least.

[Caleb Hammer]

They want 15 because you owe 67,000. Or you made 67,000 in 20. 2017 as well, huh? Do you owe for that?

[Guest (37-year-old artist)]

Yeah, they're coming after me.

[Caleb Hammer]

Okay. When's the last time you actually made money? Cuz you're not making money now. Oh, we didn't even know about the taxes. That's. That's fresh to us.

[Guest (37-year-old artist)]

2017, 2018. They've been hounding me for years.

[Caleb Hammer]

Just those two years. Did you make money in 19?

[Guest (37-year-old artist)]

Yeah. No, not.

[Caleb Hammer]

I'm sure once you started getting the stimmies and all those benefits in California during the pandemic, you just lived it up.

[Guest (37-year-old artist)]

The reason? No, at home. I didn't get a stimmy. The California is a piece of shit. They only gave my mom one. That was it.

[Caleb Hammer]

Maybe because you're. Well, because you. You're a dependent.

[Guest (37-year-old artist)]

Because I was a dependent. Yeah.

[Caleb Hammer]

So that's actually fair.

[Guest (37-year-old artist)]

And my brother's also a dependent, so that's actually fair.

[Caleb Hammer]

You guys suck.

[Guest (37-year-old artist)]

Well, the. The 2017, 2018, I was going to conventions. I used to sell merchandise. I used to meet people like Tara Strong and shito. Conventions. Yes, yes, the conventions full of pedo people. Yes. And that was where I made all that money those years. Then Covid happened. No more cons. Now I can't get any money anymore.

[Caleb Hammer]

You know what's crazy, dude? Literally. Especially with all the Medicare. I know. I'm saying this is a fat. But at least I'm not morbidly obese. But even still. The thing is, you have a good head of hair.

[Guest (37-year-old artist)]

Yeah.

[Caleb Hammer]

The beard situation, we have to figure out. But lose some weight. Get on the Ozempic. Get on the, like, triple blockers. Now. They're all the shit. Lose some weight and you can go out there and you can find yourself a nice gal. And with the type that you have, you could actually date a lot of people you're interested in because they're horrendous.

[Guest (37-year-old artist)]

Thank you. The beard situation, because you touched on that.

[Caleb Hammer]

No, that's the least important thing of what I just said.

[Guest (37-year-old artist)]

You hide your chins with beard. I got, like, eight of them underneath.

[Caleb Hammer]

That's what I'm saying. Let's lose money. No, you're doing that. Let's lose.

[Guest (37-year-old artist)]

I'm already doing that.

[Caleb Hammer]

Wait.

[Guest (37-year-old artist)]

Okay. I am losing weight.

[Caleb Hammer]

You are? Yeah.

[Guest (37-year-old artist)]

I'm £180 down from where I was four years ago.

[Caleb Hammer]

Really?

[Guest (37-year-old artist)]

Yes.

[Caleb Hammer]

How?

[Guest (37-year-old artist)]

I have a personal trainer. What?

[Caleb Hammer]

You go outside and go somewhere.

[Guest (37-year-old artist)]

A guy I drew furry for, it was a personal trainer, and he agreed to do personal training for me over the Internet.

[Caleb Hammer]

Still doing it.

[Guest (37-year-old artist)]

Yeah.

[Caleb Hammer]

And is there a timeline?

[Guest (37-year-old artist)]

No.

[Caleb Hammer]

Forever?

[Guest (37-year-old artist)]

Yep.

[Caleb Hammer]

Good. So you're working out?

[Guest (37-year-old artist)]

Yeah.

[Caleb Hammer]

Are you dieting?

[Guest (37-year-old artist)]

He's got me on a calorie deficit plan.

[Caleb Hammer]

Really? Yeah. Shit. You were bigger than this.

[Guest (37-year-old artist)]

I was way bigger than. Dude, I couldn't zip this shit up. Now it's kind of loose.

[Caleb Hammer]

Were you immobile? Close to.

[Guest (37-year-old artist)]

Very close, yes.

[Caleb Hammer]

That's crazy.

[Guest (37-year-old artist)]

At the cankles and everything.

[Caleb Hammer]

And what kind of did you draw for this guy?

[Guest (37-year-old artist)]

He wanted a picture of his character.

[Caleb Hammer]

What was this character like?

[Guest (37-year-old artist)]

His character's a fully grown dude.

[Caleb Hammer]

Okay.

[Guest (37-year-old artist)]

Who's, like, a rabbit. Something like that.

[Caleb Hammer]

And why don't people just go have sex with humans? Like, why? What does.

[Guest (37-year-old artist)]

Well, he really wanted to have sex with. You know Muffet from Undertale Spider Girl? I have her as my phone wallpaper. Hang on.

[Caleb Hammer]

That's weird.

[Guest (37-year-old artist)]

She's my favorite video game character. Check it out. And the boobs jiggle, too. All right.

[Caleb Hammer]

What's wrong with humans? Why can't you just, like, look at

[Guest (37-year-old artist)]

me and ask the question, what's wrong with humans?

[Caleb Hammer]

What's wrong with humans?

[Guest (37-year-old artist)]

Yeah.

[Caleb Hammer]

Yeah. But go get someone that's not up, like, you.

[Guest (37-year-old artist)]

Do I really have that option?

[Caleb Hammer]

Yes. Lose weight and. Yes. I mean, there are desperate people out there.

[Guest (37-year-old artist)]

I guess if I ever get there, I guess I'll be. I'll be one of those people.

[Caleb Hammer]

If you want to land a high paying job but don't have experience or a degree, then you need to learn about course careers. It is the easiest way to land the high paying career that you've been dreaming of. I've done financial audits for hundreds of people and what I've learned is that the single biggest factor someone can take to improve their life is getting a higher paying job. And that is why I've been such a huge promoter and even an investor in course careers. The way it works is you simply go through an affordable online course to start a new high paying career path. They teach many different in demand jobs ranging from technology, sales to accounting, construction, project management, the trades like electrician, plumbing, H Vac, supply chain and many others that can be done remotely. And the coolest part about course creators is their platform works for people who don't have any previous experience or degrees. Their courses teach you everything you need to know to land your first entry level job. And they have a 100% free this

[Sponsor/Announcer]

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[Caleb Hammer]

various 18 plus free introductory course for each career that teaches you all about what the job is like, how much money you'd make, and how exactly to land your first job was starting from scratch. Click the link below to sign up for one of their free courses. Today 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 they're owned by Rocket Mortgage. Guess what they want to see sell you in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like dollarwise bills Play 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 and start the free trial. Dollarwise.com, link in the description below. Okay. You owe $4,790.

[Guest (37-year-old artist)]

Yes.

[Caleb Hammer]

And the limit at the time. No, sorry, that the limit at the. No, no. Sorry, sorry, sorry, sorry, sorry. No, it wasn't. That was the limit.

[Guest (37-year-old artist)]

Oh, it was.

[Caleb Hammer]

And you. You owe $4,903.

[Guest (37-year-old artist)]

Yes.

[Caleb Hammer]

With a minimum payment of 218 interest fees. You're probably late. And purchasing me 16 years to pay off. You won't be alive. Well, keep losing weight and actually I.

[Guest (37-year-old artist)]

I am encouraging that I can make it 17 years.

[Caleb Hammer]

Not that we want Pedos to live is for.

[Guest (37-year-old artist)]

I don't either.

[Caleb Hammer]

Okay.

[Guest (37-year-old artist)]

Like I said, thanos snap if it takes me too. As long as it takes them. I don't give a shit. Come.

[Caleb Hammer]

Do you care about your life?

[Guest (37-year-old artist)]

Yeah, I love my life. You kidding me?

[Caleb Hammer]

You want to live? Yeah.

[Guest (37-year-old artist)]

I lost 180 pounds cuz. I want to live.

[Caleb Hammer]

Okay.

[Guest (37-year-old artist)]

Yeah.

[Caleb Hammer]

So again, the mom thing, I got to get back to that. Like, I need you to live independently. Like, I almost don't want to do this unless one of our goals is you just actually learning life skills to learn. Live independently as I'm like. Because we got to get you. Because what happens when your mom dies?

[Guest (37-year-old artist)]

Exactly. She's old.

[Caleb Hammer]

She's out there. I saw her.

[Guest (37-year-old artist)]

What do you. What do you want?

[Caleb Hammer]

Is she.

[Guest (37-year-old artist)]

What do you think? I'm on the show. She's 76.

[Caleb Hammer]

Okay. And she didn't look necessarily the healthiest.

[Guest (37-year-old artist)]

Does she not? Well, she got stung by bees recently. She got stung by bees.

[Caleb Hammer]

Okay, nevermind. She's okay. Okay. But even. Even still 76, you know, she's a.

[Guest (37-year-old artist)]

She's a tomboy. She's a fighter. I love my mom.

[Caleb Hammer]

Okay, well, that's good. She's still 76, and I wanted her to live a long life, but what do you and your brother do when she.

[Guest (37-year-old artist)]

Exactly. That's why I'm here, Caleb.

[Caleb Hammer]

Okay, so it is independent.

[Guest (37-year-old artist)]

The whole point is get independent.

[Caleb Hammer]

But like, okay, there you go. Then I'm down.

[Guest (37-year-old artist)]

The current goal is get her out of there. I am not gonna do that.

[Caleb Hammer]

That's not the point. The thing is, it's like, yes, but. But you have to take care of your life or else you'll never be independent.

[Guest (37-year-old artist)]

Okay?

[Caleb Hammer]

So we need to focus on you.

[Guest (37-year-old artist)]

All right? The. The. The point. I'm. The point of coming here is I

[Caleb Hammer]

want to Z Y G O. Psych guides.

[Guest (37-year-old artist)]

Cycor guides.

[Caleb Hammer]

What's that for 10 bucks?

[Guest (37-year-old artist)]

World of Warcraft.

[Caleb Hammer]

Okay. Okay.

[Guest (37-year-old artist)]

It's an add on for World of Warcraft.

[Sponsor/Announcer]

Right?

[Caleb Hammer]

Of which you're not paying your payment on time. But you did that and then Disney. Why even Disney Plus? So you can watch all young kid shows.

[Guest (37-year-old artist)]

No, I wanted to watch Darth Maul. If I could watch it somewhere else, I'd watch it somewhere else. My man. But they got like 5 billion streaming services. You want to watch it?

[Caleb Hammer]

Path of. Oh, exile. Fuck. $90. What did you get?

[Guest (37-year-old artist)]

Only 90, huh? Did they not tell you?

[Caleb Hammer]

No, I don't. I know nothing. Tell me something I don't know.

[Guest (37-year-old artist)]

$16,000 on path of Exile.

[Caleb Hammer]

Okay. What do you even get? I don't even. I don't know that game. I know it exists.

[Guest (37-year-old artist)]

But I get to change my fireball to look like a dragon. I get to make my cursor a different color.

[Caleb Hammer]

$16,000.

[Guest (37-year-old artist)]

$16,000. This is a $500 hoodie.

[Caleb Hammer]

What the are we doing here?

[Guest (37-year-old artist)]

You have been staring it in the face the entire games.

[Caleb Hammer]

I don't really.

[Guest (37-year-old artist)]

You just get cosmetics. You get cool looking armor. You get to make your character look cool. They can have wings and stuff.

[Caleb Hammer]

How. But how have you possibly spent $16,000?

[Guest (37-year-old artist)]

It was 12 years.

[Caleb Hammer]

You spent 3,000 hours this year alone. That's 10% of your money. Yeah, you're not.

[Guest (37-year-old artist)]

Because I know where my money's going when I. Oh, and then Mozilla.

[Caleb Hammer]

Mozilla Corp. Something. Whatever game Mozilla has.

[Guest (37-year-old artist)]

Probably the like. What is it? The VPN? It's probably the Mozilla VPN.

[Caleb Hammer]

And then $10 there. Yeah. Late fee and then interest and cash advance. Interest. What the. You Cash advance. At some point.

[Guest (37-year-old artist)]

What's the cash?

[Caleb Hammer]

This is insane. At some point you did something that qualified for a cash advance. I can't see it. But that's just.

[Guest (37-year-old artist)]

I don't know.

[Caleb Hammer]

The balance there is 142 for that.

[Guest (37-year-old artist)]

Okay.

[Caleb Hammer]

I think. Wait. Or.

[Guest (37-year-old artist)]

Well, I genuinely have no idea what

[Caleb Hammer]

a cash advance is. You've been late every month this year so far.

[Guest (37-year-old artist)]

Every month.

[Caleb Hammer]

Why? You do make money and you shouldn't. You don't have any overhead. So how are you possibly. There's no reason to be.

[Guest (37-year-old artist)]

I'm hungry.

[Caleb Hammer]

It's even more pathetic. That doesn't make sense. What do you mean?

[Guest (37-year-old artist)]

Doordash. I get a lot of doordash.

[Caleb Hammer]

Good. But you make money. Why can't you just make a payment on time? It's 218. It's expensive for your income. But you have Literally no overhead. You don't even have a car.

[Guest (37-year-old artist)]

I'm not great.

[Caleb Hammer]

You sometimes do gas and you bragged about it.

[Guest (37-year-old artist)]

I'm not great at making myself make payments and then I just forget.

[Caleb Hammer]

Turn on auto pay then. If you don't have the self control, then do that.

[Guest (37-year-old artist)]

Well, when you have auto pay on and there's not enough money in the account, then it just doesn't do it. Sometimes my balance is just not there.

[Caleb Hammer]

When the friends.

[Guest (37-year-old artist)]

Oh, yeah. We haven't even got into that.

[Caleb Hammer]

Well, that's what I'm bringing up. So we can get into it again.

[Guest (37-year-old artist)]

There's a big purchase that'll come up. Yeah, my buddy and 1700.

[Caleb Hammer]

Why?

[Guest (37-year-old artist)]

Well, he's got the money to loan, so I ask him sometimes.

[Caleb Hammer]

Yeah, but why were you getting it? What's it for?

[Guest (37-year-old artist)]

A chair,

[Caleb Hammer]

dude. Like a gaming chair.

[Guest (37-year-old artist)]

Lazy boy.

[Caleb Hammer]

What the f. Of course. You fat.

[Guest (37-year-old artist)]

It was a $2,500 chair. Big old mother. It's got the recliner, it's got the cup holder, it's got the phone charger.

[Caleb Hammer]

For what? That's not even at your computer.

[Guest (37-year-old artist)]

It's right in front of my computer.

[Caleb Hammer]

What?

[Guest (37-year-old artist)]

Yeah, I got it there. The desk's right here. Pedals under the desk. I'm a baby in a crib.

[Caleb Hammer]

That doesn't really get you to this healthier lifestyle.

[Guest (37-year-old artist)]

No, no, not really. The pedals under the desk do.

[Caleb Hammer]

What does that do?

[Guest (37-year-old artist)]

I just pedal them. I get some circulation in my legs. It was a personal trainer recommendation. He was like, if you're not getting on the bike, you need to have some.

[Caleb Hammer]

Why would this person lend you that money?

[Guest (37-year-old artist)]

Just because he really likes. I draw.

[Caleb Hammer]

What? Your world is so up.

[Guest (37-year-old artist)]

It is a up world.

[Caleb Hammer]

Are you making minimum depayments to him?

[Guest (37-year-old artist)]

To him?

[Caleb Hammer]

Yeah.

[Guest (37-year-old artist)]

No.

[Caleb Hammer]

What's the expectation to pay this back?

[Guest (37-year-old artist)]

I draw him. He's got a character. He's got a friend who's got another character. He wants me to draw him quicker and more. I mean, I do with him. I kind of pay it back. With him?

[Caleb Hammer]

Yeah, kinda. What do you mean? Kinda?

[Guest (37-year-old artist)]

As in I'm not like, giving the money, but, like, I draw the pictures.

[Caleb Hammer]

What about.

[Guest (37-year-old artist)]

Oh, him. Oh, boy.

[Caleb Hammer]

You owe a thousand.

[Guest (37-year-old artist)]

Yeah.

[Caleb Hammer]

Internet friends is.

[Guest (37-year-old artist)]

He's. Okay, so he's a tech support guy and my computer breaks down sometimes he sends me some money for it and stuff like that. And he helped with getting here, so.

[Caleb Hammer]

To Austin?

[Guest (37-year-old artist)]

Yeah, from California. It was like $1700 for the flight. What the.

[Caleb Hammer]

Is that normal?

[Guest (37-year-old artist)]

Well, it was for two People. It was for them you decided to

[Caleb Hammer]

come here on Sunday and leave on Wednesday.

[Guest (37-year-old artist)]

And he brought his mom.

[Caleb Hammer]

That's why it's oh four day little vacation for you and mother.

[Guest (37-year-old artist)]

Not check out that place to move.

[Caleb Hammer]

No, we don't want you. Please. No, please.

[Guest (37-year-old artist)]

I don't want to be here either. This isn't. Sucks.

[Caleb Hammer]

Thank you. Yes. It sucks so bad. Oh my goodness. Yes.

[Guest (37-year-old artist)]

Yeah, it's awful. Oh my God. Never want to be here.

[Caleb Hammer]

It's an active town.

[Guest (37-year-old artist)]

Yeah. And I don't like active.

[Caleb Hammer]

Thank you.

[Guest (37-year-old artist)]

Okay, we can agree on that. I don't need to be here.

[Caleb Hammer]

Good. Glad you figured that out. So how are you paying this guy

[Guest (37-year-old artist)]

for your computer parts and also the. The character. I'm trying to bring up how much you own now.

[Caleb Hammer]

Now that you came here. Better give him the reimbursement money.

[Guest (37-year-old artist)]

Oh yeah, yeah. That's. That's. He's. Who's getting it Stupid. That's the one where I'm actually.

[Caleb Hammer]

We're filming Tuesday and he got here on Sunday and he's leaving on Wednesday. What the is wrong with you?

[Guest (37-year-old artist)]

I wanted to hang out a little bit. Come on. No, I wanted to see if it's a nice place.

[Caleb Hammer]

It is not for you.

[Guest (37-year-old artist)]

We're in a pretty shitty place. Where? The hotel we picked.

[Caleb Hammer]

Where are you?

[Guest (37-year-old artist)]

What is it called? Town River. Holiday Inn. Town river or something like that. Town. Town Lake. I think it's Town Lake. It's. It's right next to 6th Street. We were told that was a like nightlife party full of drugs.

[Caleb Hammer]

And of course that's gonna be a little different. It's gonna be a bit more wild.

[Guest (37-year-old artist)]

Well, yeah.

[Caleb Hammer]

What is it? Holiday Inn.

[Guest (37-year-old artist)]

Yeah, Holiday Inn. Town Lake I think it's called. And there's. There's a. Oh, it's okay.

[Caleb Hammer]

You're near Rainey Street. Rainy Street. Super nice. But it is right off of I35.

[Guest (37-year-old artist)]

Yeah, it's I35 bad.

[Caleb Hammer]

What's a highway? Why would you want to be on a highway?

[Guest (37-year-old artist)]

Well, we used to live next to a train. I was fine with a train. That's.

[Caleb Hammer]

The train's different, but okay. PayPal. Yeah. So this is your checking.

[Guest (37-year-old artist)]

Okay.

[Caleb Hammer]

Yeah. 34 in there. Nothing.

[Guest (37-year-old artist)]

And our. In our front of our hotel.

[Caleb Hammer]

I think you are to be able to like allowed to take a vacation when you have no money.

[Guest (37-year-old artist)]

It's not really a vacation. It's one.

[Caleb Hammer]

It objectively. If you. No, no. A couple extra days. People fly in and out the same day of the show.

[Guest (37-year-old artist)]

Oh, we. We flew In a day before because I knew I wasn't going to be able to.

[Caleb Hammer]

Two days before.

[Guest (37-year-old artist)]

Was it two days before Sunday is

[Caleb Hammer]

two days before Tuesday.

[Guest (37-year-old artist)]

We flew out the 22nd. Isn't today the 23rd?

[Caleb Hammer]

Oh, I guess he came Monday. Maybe we misunderstood.

[Guest (37-year-old artist)]

Yeah, it was like. It was like 2:00am on the. We flew out on the 22nd.

[Caleb Hammer]

Okay, so beginning balance 119. Yeah. A good amount of money comes in, but then it all goes out and you end with even less at 34.

[Guest (37-year-old artist)]

Did I say the 21st when I

[Caleb Hammer]

said, I don't know. It doesn't matter. I'm just.

[Guest (37-year-old artist)]

Okay, sorry.

[Caleb Hammer]

You're talking to me.

[Guest (37-year-old artist)]

All right, I'm talking to you.

[Caleb Hammer]

Okay. Yeah. I mean, you have so much money goes out, so many fees, too. This is crazy.

[Guest (37-year-old artist)]

There was a point my interest was like 600amonth.

[Caleb Hammer]

Well, it's just your PayPal account. Not even Steam games. Amazon. Pull up your Amazon.

[Guest (37-year-old artist)]

Oh, boy.

[Caleb Hammer]

Stamps subscription. Why are you paying stamps.com to mail your.

[Guest (37-year-old artist)]

I don't know how to cancel stamps.com?

[Sponsor/Announcer]

call.

[Guest (37-year-old artist)]

I literally called. I called a scam center and my account on accident.

[Caleb Hammer]

Block it from your checking account. I don't know how to do that immediately. For pizza. DoorDash, $40 of it. Fat valve again. Steam valve.

[Guest (37-year-old artist)]

Bunch of steam. Bunch of steam.

[Caleb Hammer]

Dino Labs, $10 DoorDash. Another $42 down his throat.

[Guest (37-year-old artist)]

Amazon, Surprise.

[Caleb Hammer]

You're out working this dude. My concern part is I'm glad you've learned lost weight from, like. Well, how much did you weigh?

[Guest (37-year-old artist)]

Nearly 600.

[Caleb Hammer]

Yeah, that's what I thought. So 600 pounds. I'm glad you've lost weight. You're in your fives. Four, like 450. The thing is, at some point, if you continue this diet, you will reach that equilibrium where the amount of working out you're doing is going to meet that calorie threshold where you can't. Like, you're not actually doing it. And you're still going to be, like, morbidly, morbidly obese because you're. This is insane amount of food that you're consuming.

[Guest (37-year-old artist)]

I am staying under the calorie deficit.

[Caleb Hammer]

Your calorie deficit is crazy, though.

[Guest (37-year-old artist)]

Which is 2500. Yes.

[Caleb Hammer]

You're under 2500.

[Guest (37-year-old artist)]

2500 is my daily goal. Yeah.

[Caleb Hammer]

I would be so shocked with these doordash orders. Okay. Some square purchase. Yeah, you purchase through something. DHL Express, you got something delivered to you. Amazon. More val.

[Guest (37-year-old artist)]

I think DHL Express.

[Caleb Hammer]

Door dash, dash, pass, door to dash. Little Caesar, $50 of Little Caesars, and he's under his 2,500 calorie a day.

[Guest (37-year-old artist)]

Well, I was feeding my family, but

[Caleb Hammer]

even $50 for three people, you're not under 2,500 calories. I mean, $50 a little Caesars is still a shit ton of food.

[Guest (37-year-old artist)]

One Little caesars pizza is 2,100 calories. That's just my day. I just have a pizza all through the day, and we're all good.

[Caleb Hammer]

But even still, you got more than, like, three pizzas.

[Guest (37-year-old artist)]

I got more than the fridge, and I can't. I got a mini fridge in my room, which I also bought.

[Caleb Hammer]

I don't know.

[Guest (37-year-old artist)]

I cannot get anything on this phone. It's telling me unifi guests suck at everything. You want to try it? You want to take the phone? You want to do it? You're probably better with this phone.

[Caleb Hammer]

I told you. Actually addicted to AI. What the is that?

[Guest (37-year-old artist)]

I got an AI generator on my computer, and I was training it to do stuff that looks like my artwork.

[Caleb Hammer]

Kids. He's generating kids. It's.

[Guest (37-year-old artist)]

That looks like put kids, you weirdo.

[Caleb Hammer]

We saw them.

[Guest (37-year-old artist)]

I say think of kids, and I'm the weirdo.

[Caleb Hammer]

You said your art. We saw your art. Your art as kids.

[Guest (37-year-old artist)]

My art is not all petite. It just has petite in it.

[Caleb Hammer]

So tell me why? What is this? Addiction? Yeah, the weird one here.

[Guest (37-year-old artist)]

So I'm sitting there, and I'm training the AI to look like my art, and I'm sitting there, and I'm making a whole bunch of different pictures, and then all of a sudden, I'm just like, oh, can I just tell it to make something that's like, I don't know, a cheerleader or some shit like that. I make a cheerleader. I'm like, oh, that's hot. So. And then I'm sitting there just making shitloads more shit. I'm into. I'm into big boobs on cheerleaders. Okay.

[Caleb Hammer]

Boobs on, cheerleaders On.

[Guest (37-year-old artist)]

Yeah. And I don't like the girls. I don't know them. I don't know their personalities. I can make up a personality for the AI One, make it up for

[Caleb Hammer]

the person in the.

[Guest (37-year-old artist)]

They make it pretty obvious with their little stupid personality and their snooty attitudes, and I hate them.

[Caleb Hammer]

Dude, you got issues, man.

[Guest (37-year-old artist)]

I don't like the atheism.

[Caleb Hammer]

Have. But you're a part of it in a different way.

[Guest (37-year-old artist)]

Yeah, but mine's all fictional. I don't like sex work. I don't like onlyfans.

[Caleb Hammer]

You don't like adults consenting if it's

[Guest (37-year-old artist)]

putting yourself out there sexually. And you know damn well that there's like 13 year olds jacking off to you. No, I'm not into that.

[Caleb Hammer]

Well, hold on. I needed something to jack off to at 13.

[Guest (37-year-old artist)]

Does that make it right? That you were jacking off to an adult?

[Caleb Hammer]

Pubescent guys are going to jack off?

[Guest (37-year-old artist)]

Yes.

[Caleb Hammer]

And I would rather the people making be adults. So yes. I think it's okay. You're the one addicted to AI. Does your mom even know?

[Guest (37-year-old artist)]

She doesn't know I make AI. She's gonna know after this episode. Sorry, mom.

[Caleb Hammer]

And make him leave. No, you're. I'm sorry. You're 76 and pathetic. I'm just gonna tell you that right now. Not to your face because I'm a coward, but you need to kick him and his brother out. This is like you've actually. This, you've been a horrible parent by allowing them to stay with you and not get jobs and develop any life skills because they're not going to be able to survive without you.

[Guest (37-year-old artist)]

My brother's an exception.

[Caleb Hammer]

Okay?

[Guest (37-year-old artist)]

She doesn't kick me out because I, I pull my own weight. She doesn't kick my brother out because he's very disabled.

[Caleb Hammer]

Very, very disabled. What's disabled?

[Guest (37-year-old artist)]

He's autistic. Like low functioning. Can't live on his own maybe.

[Caleb Hammer]

I don't know. There's. There's a low functioning. Whatever. Warner Bro, hbo, Max, of course. Okay. Spotify.

[Guest (37-year-old artist)]

I cannot for the life of me. If you want to take this Patreon.

[Caleb Hammer]

You're paying for other people's Patreons when you don't even have money. Suno Inc. $30.

[Guest (37-year-old artist)]

Suno? Yeah, I make music as a hobby.

[Caleb Hammer]

You make music too?

[Guest (37-year-old artist)]

Yes, I sing.

[Caleb Hammer]

Oh, you're a dj.

[Guest (37-year-old artist)]

I sing.

[Caleb Hammer]

You're a singer. Sing me a song. Sing me Ave Maria right now. We've been trying to reach you concerning your car's extended warranty. Not good. Cond $26. You're not. I know for the fact, for a fact the calorie amount of a bit of a. Of a plate. Most plates from Panda Express. You are not under your 2500 calories. You are gonna meet your thing because yes, I bet if you cut from 4,000 calories a day, you 600 pounds will lose weight. But you are gonna meet that level at some point where you can't anymore at your current diet and workout.

[Guest (37-year-old artist)]

Well, it doesn't need to be valve.

[Caleb Hammer]

Exactly. 3 logic system gaming. Whatever. Yeah, Amazon this is insane. Dude. Doordash. Little Caesars Fast Wrap Food Store. Going in against the some energy drink bullshit. Look at this by the way. For the energy drinks. You know. You guys know gamers Hubs. Look, our flavor. It's finally here. July 24th. If it is that date. If it's not, get ready. July 24 you can actually get the Caleb Hammer Liquid assets. I tested so many flavors to get this. That's the general one. And one out of every 100 will get one with my face on it. So lucky the draw on that one. But check that out. Massive discount right now with their stock summer Christmas sale. But also standard 10 off with my code link in the description below. It is absolutely delicious. It's an incredible flavor. Check it out. Like we went through so many flavors and this is. We love it. Open wallet transaction withdraw 245 Taco Bell and you're under the 2,500. Yeah. Doordashing, 20 bucks.

[Guest (37-year-old artist)]

What's wrong?

[Caleb Hammer]

ZIGOR Guides.

[Guest (37-year-old artist)]

Yeah. Zygore. That's the World of Warcraft add on we talked about earlier.

[Caleb Hammer]

Okay. That you're doing on PayPal credit and on regular PayPal. Another Door Dash 34 doll. Disney Plus Amazon Amazon Axola, Mozilla DoorDash $33. Netflix, Amazon Best Buy. Amazon DoorDash again. 47 Buddies under 2500 calories. X Corp paid features $40 KFC Dino Labs. Another $10,700,179 went to somewhere. Some Best Buy there. $132, Olive Garden Suncoast beverages and more. $61. Little Caesar's $30. You got premium Epic Games 36.99 open AI. You're paying for GPT for what? You don't do anything. You're not productive. What do you need? Yes, you do. Open AI. 20. 20 bucks.

[Guest (37-year-old artist)]

When was that?

[Caleb Hammer]

Last month.

[Guest (37-year-old artist)]

Last month.

[Caleb Hammer]

Last month.

[Guest (37-year-old artist)]

OpenAI.

[Caleb Hammer]

Yep.

[Guest (37-year-old artist)]

Well, that wasn't a payment. That was supposed to go through Raspberry apple.

[Caleb Hammer]

By the way, if you wanted to know the flavor, it's incredible. Check it out.

[Guest (37-year-old artist)]

No, I'm not supposed to be doing Alvin.

[Caleb Hammer]

Yeah, you're not supposed to be doing any of this.

[Guest (37-year-old artist)]

I gotta shut that down.

[Caleb Hammer]

Taco Bell. DoorDashing 20 there. Epic Games $36.99. Epic Games $2.00. Epic Games $9.00. Fur. Fur. Affinity for Affinity.

[Guest (37-year-old artist)]

Yeah, that's the website I. I post my art on $5.

[Caleb Hammer]

Don't go there. You'll become your computer will be tracked going and get into some Epic games. $90.

[Guest (37-year-old artist)]

Yeah.

[Caleb Hammer]

Patreon 12 bucks.

[Guest (37-year-old artist)]

They added POM to Fortnite.

[Sponsor/Announcer]

Shut the up.

[Guest (37-year-old artist)]

They added Pom to Fortnite.

[Caleb Hammer]

General open wallet transaction. I don't even know ten bucks. Wait. Oh, there's another credit card. You have Wells Fargo Home furnishing. You finance the furniture. Bullshit.

[Guest (37-year-old artist)]

Yeah.

[Caleb Hammer]

What?

[Guest (37-year-old artist)]

The Lazy Boy chair. What?

[Caleb Hammer]

I thought you did that through your friend.

[Guest (37-year-old artist)]

He only did the down payment. It was $2,500.

[Caleb Hammer]

You creature. The balance actually went up somehow. $1,407.71. Why? Oh, because you were a late, late fee.

[Guest (37-year-old artist)]

Like seven late fees. It went up a bit. I'm just not good at making the payments, man. I gotta get better at that. That's what I'm here for.

[Caleb Hammer]

This is so pathetic. You just have to follow. Dude, you should be the easiest budget in the world. You don't do anything. You don't even people.

[Guest (37-year-old artist)]

Nope.

[Caleb Hammer]

Like where's your time and energy? It should be so easy budgeting and download wise and anywhere. Doesn't even matter anymore. Past due.

[Guest (37-year-old artist)]

Okay.

[Caleb Hammer]

194.76 is your normal minimum. This is so stupid. Fees being charged at Crazy Interest will be soon. I'm sure there's deferred interest. Not even worth looking at. Crazy refused to grow up. I don't even know. This is stupid. You can't even get laid. Everyone can get laid.

[Guest (37-year-old artist)]

I could if I wanted to, trust me.

[Caleb Hammer]

Oh, you could?

[Guest (37-year-old artist)]

I could.

[Caleb Hammer]

Well, there you go. So I had a naked girl on my bed.

[Guest (37-year-old artist)]

Of course I can.

[Caleb Hammer]

Well, yeah, she may have had aids. So that's different.

[Guest (37-year-old artist)]

Yeah, that's a little different. Yeah.

[Caleb Hammer]

Oh, okay, well, never mind.

[Guest (37-year-old artist)]

Well, if I wanted aids, I could get easily get.

[Caleb Hammer]

Listen. Okay, that's different. I thought you were more incel. If you don't want to have sex and you're having sex like fine, that's your choice. I don't care. I thought you couldn't have. Oh, well then you are weird again.

[Guest (37-year-old artist)]

Yeah, like I said, 11 years old, learn about STDs and shit like that to me up. I'm trying to get over the fear.

[Caleb Hammer]

That doesn't make it. You need therapy. Do you want to die a virgin?

[Guest (37-year-old artist)]

No.

[Caleb Hammer]

Would you care?

[Guest (37-year-old artist)]

I want kids. Oh,

[Caleb Hammer]

case is something you'll never hear in your life, huh? Another H. You're putting HP Max on here too. This credit card. So this is. This is Wells Fargo checking account. You're putting HP on multiple. Dude, you have recurrence. You have Disney plus on PayPal credit and PayPal. And now you have HBO on PayPal and Wells Fargo.

[Guest (37-year-old artist)]

If there's balance in the PayPal, it uses the PayPal. If there's not, it uses PayPal credit.

[Caleb Hammer]

It's like automated, but still same month it got charged both and you're being charged. No, no, no. It doesn't even matter because Wells Fargo and PayPal both had HBO Max.

[Guest (37-year-old artist)]

Wait, yes.

[Caleb Hammer]

Yeah, dude, you know nothing.

[Guest (37-year-old artist)]

Wells Fargo has HBO Max. Yes, Wells Fargo is my chair. What do you mean mean?

[Caleb Hammer]

I went through. Actually, I guess PayPal is pulled through there. So for what it's worth. Oh, I'm furnishing. Yes, there is there. And home furnishing. Home furnishing.

[Guest (37-year-old artist)]

Yeah. That is not supposed to.

[Caleb Hammer]

But their items returned unpaid. Those Dino Blade, Steam games, Dino Blaze, whatever. Steam games. Adobe, HBO Max theme games, dinoblastic, whatever. Steam games and Adobe. This is crazy. Overdrafting. Like crazy. No one's surprised because you're crazy.

[Guest (37-year-old artist)]

I don't remember what Dinolab credit score.

[Caleb Hammer]

Living at home, no overhead. 553. Pathetic.

[Guest (37-year-old artist)]

I have a 553. Is that.

[Caleb Hammer]

What is this? WFBNA card.

[Guest (37-year-old artist)]

WFBN. Wells Fargo Home Furnishing. That's.

[Caleb Hammer]

That's that. Okay. Yeah, it needs attention. We have a. And then that's the first credit card we looked at.

[Sponsor/Announcer]

So.

[Caleb Hammer]

Did you go to college?

[Guest (37-year-old artist)]

I tried to do anything.

[Caleb Hammer]

You tried to what? Tried to.

[Guest (37-year-old artist)]

I went to an animation class and they didn't teach us. Wow.

[Caleb Hammer]

You'll never be productive in your life.

[Guest (37-year-old artist)]

I wanted to learn how to do 3 Shut the up.

[Caleb Hammer]

You'll never be productive.

[Guest (37-year-old artist)]

Yeah, I can learn like blender.

[Caleb Hammer]

And yeah, get into the most likely to be AI replace.

[Sponsor/Announcer]

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 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.

[Caleb Hammer]

18 plus this job, that's.

[Guest (37-year-old artist)]

Well, then I'll learn AI.

[Caleb Hammer]

Huh?

[Guest (37-year-old artist)]

I'll learn AI. I'm already training my own 2018 CA

[Caleb Hammer]

burned almost entirely to the ground. Our good friend Gavinism did absolutely nothing. Whopping six choices for DoorDash. Okay, it was two choices. Like life story.

[Guest (37-year-old artist)]

Yeah, yeah. My town.

[Caleb Hammer]

You don't have any mortgage or 401k accounts. Well, we know you're a loser. You're a deadbeat.

[Guest (37-year-old artist)]

What? I have a Mortgage for.

[Caleb Hammer]

Exactly. You've never been productive in your life. You would never. Okay, so your income is, I guess, 3,000 hours a month. And I guess you don't have to set aside for taxes because you're dependent.

[Guest (37-year-old artist)]

It's weird.

[Caleb Hammer]

And we're enabling. You probably get money back. It just goes to your mom. That situation is your minimum payments. And I guess you're making your minimums to your friends with.

[Guest (37-year-old artist)]

Yeah, yeah, yeah. They're paying for a service.

[Caleb Hammer]

But your minimum payments are $412.76. So you get your own groceries. Good. $300. There you go. You're fine. Meal plan, meal prep. We base it off of that. That's three meals a day, plus snacks, plus drinks, plus dessert. I know you love that phone bill. How much phone bill? Mom takes care of it.

[Guest (37-year-old artist)]

Mom takes care of it.

[Caleb Hammer]

Of course.

[Guest (37-year-old artist)]

150amonth.

[Caleb Hammer]

Yeah, but she takes care of it. Gas from Drive. Drive. How much do you contribute?

[Guest (37-year-old artist)]

About 350amonth.

[Caleb Hammer]

What? I thought you. Why is this. Okay, California. She pays for it.

[Guest (37-year-old artist)]

She pays car insurance. Yeah.

[Caleb Hammer]

Okay. Rent, mortgage, utilities. She does it all.

[Guest (37-year-old artist)]

Yeah.

[Caleb Hammer]

TP Fun. Anything else you need for your life, I'll give you 150. Therapy, you probably do need. You probably can get on, like, medical with your.

[Guest (37-year-old artist)]

I can't. I've tried.

[Caleb Hammer]

Because you're a dependent.

[Guest (37-year-old artist)]

I got rheumatoid arthritis and all that, but they just keep telling me, like, oh, no, you're completely capable of doing everything.

[Caleb Hammer]

You are capable. Good. I'm glad that California at least says that. I'm actually surprised. But you also are dependent, so I don't know if you could go independently, get on different services.

[Guest (37-year-old artist)]

So I don't think I can see

[Caleb Hammer]

what you can do. I will do another 200. Let's do some therapy.

[Sponsor/Announcer]

Okay.

[Caleb Hammer]

And I think you can do that. Do you have health insurance?

[Sponsor/Announcer]

No.

[Caleb Hammer]

At 37.

[Guest (37-year-old artist)]

At your 37.

[Caleb Hammer]

Wait. Okay. Get on.

[Guest (37-year-old artist)]

Because I couldn't get on Medicare.

[Caleb Hammer]

Get on some subsidized health insurance. Affordable Care Act. It's a little more expensive now, but whatever. I'll do 400. Let's just try 400. It's all expensive. Because you're a fat.

[Guest (37-year-old artist)]

Well, Kaiser Permanente is the only choice. And that is 400amonth.

[Caleb Hammer]

There we go. We did it. There.

[Guest (37-year-old artist)]

You got it right on the dot.

[Caleb Hammer]

Good. We have any pets?

[Guest (37-year-old artist)]

I do, but, mom, subscriptions.

[Caleb Hammer]

I'll try to give you 50 bucks. Okay. There's nothing else that needs to be in this budget because you have nothing.

[Guest (37-year-old artist)]

How much fun Money I get, huh? How much fun money I get?

[Caleb Hammer]

Let's see if there's wiggle room. There is. I'll give you 250 for fun.

[Guest (37-year-old artist)]

Okay. Sweet.

[Caleb Hammer]

You have a thousand two hundred left on a monthly basis.

[Guest (37-year-old artist)]

Okay. And that's saving. Oh, pay off debt.

[Caleb Hammer]

Pay off debt Right off your dead in five months. Get an emergency fund. Move out. But you got to work on. You need to go get a job like McDonald's and start building up experience. That's the reality. You're going to be lifting at manufacturing. You're going to be. You're going to be taking bottom entry level jobs because your resume is nothing. Not jobs, which is entry level. You're going to be building up your resume. You need to go. You're not going to do any of that. So I am practically just going to end because. Okay, what the else is there to say?

[Guest (37-year-old artist)]

I could get a job at Starbucks.

[Caleb Hammer]

Okay. Get a job at Starbucks. There you go. Get a job at Starbucks.

[Guest (37-year-old artist)]

That was through. Indeed.

[Caleb Hammer]

You're trans like everyone else there. So it's perfect.

[Guest (37-year-old artist)]

I could say I am. They did get me the job, probably.

[Caleb Hammer]

Well, you certainly were. Which is.

[Guest (37-year-old artist)]

Yeah, I've got the experience.

[Sponsor/Announcer]

Yeah.

[Guest (37-year-old artist)]

I can. I can fake it till I make it.

[Caleb Hammer]

Okay. Good luck, buddy. I have zero hope here. More than almost any episode ever. This is pathetic and sad and disgusting. You're afraid of blowjobs. What is wrong with you guys? Hammer. The hammer. Shut the the hair. We're gonna get the Hammer foundation score. Make sure to join us in the post show in a little bit. There's a big stalking situation that we didn't get into. That's crazy.

[Sponsor/Announcer]

Oh, yeah.

[Caleb Hammer]

A lot of other really crazy e begging that he's doing. You'll see that's in the post show. But Hammer Financial Score, spending their budget dramatically overspends. You're out of 10 debt that friend does. I'll give you a one out of 10 because at least there's no collections. It's about to be though, because you're not paying on time. But emergency fund, nothing. 0 out of 10. Retirement. Nothing. Real estate.

[Guest (37-year-old artist)]

Okay.

[Caleb Hammer]

Hammer financial score.

[Guest (37-year-old artist)]

0.

[Caleb Hammer]

5 out of 10. Get yours@caleb hammer.com now click join to get three premium shows every single day, six days a week, including an extra 20 minutes of this episode called the Financial Auto Post Show. You can join on YouTube or you can join on the Hammer Elite app or hammer elite.com wherever you want to be. Membership's the same on all services. It's the best one there is see you there. So I'm being told instead of going and getting a job.

[Sponsor/Announcer]

Job?

[Caleb Hammer]

Like we're trying to push you to music. Oh, a vtuber too. So now you're a vtuber and you're making a video. What video game you making?

[Guest (37-year-old artist)]

It's a horror rpg.

[Caleb Hammer]

How far along?

[Guest (37-year-old artist)]

You can walk around in a house.

[Caleb Hammer]

You do everything besides get a job. I just launched the brand new Hammer Elite app. Available on every major platform. So you can watch every show anywhere you want. 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 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.

[Guest (37-year-old artist)]

Hello.

[Caleb Hammer]

Look what T.J. maxx dragged in. The Devil Wears Prada 2 is now streaming on Disney plus and Hulu. We are digital.

[Guest (37-year-old artist)]

We are downloadable.

[Caleb Hammer]

We are streamable. The fashion event of the year is certified fresh.

[Guest (37-year-old artist)]

Pull yourself together. We have work to do.

[Caleb Hammer]

Critics say it's smart and witty and the perfect sequel.

[Sponsor/Announcer]

That's all.

[Caleb Hammer]

Get Runway ready for The Devil Wears Prada 2 on Disney plus and Hulu. Rated PG 13.