Wannabe E-Girl Made $0.52 Last Month | Financial Audit

Summary

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Podcast Summary: Financial Audit with Caleb Hammer

Episode: "Wannabe E-Girl Made $0.52 Last Month | Financial Audit"
Date: March 11, 2026
Host: Caleb Hammer
Guest: Reyna, 26, Central Tennessee

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Episode Overview

This episode features Reyna, a self-described "streamer" and car wrapper from Tennessee, who claims to be an up-and-coming internet personality. Host Caleb Hammer, with support from cohost Brandon, conducts a brutally honest and at times confrontational audit of Reyna's finances, career prospects, and life choices. The conversation quickly reveals gaps between Reyna's self-perception as a content creator and her actual income, followed by a deep dive into her debt, spending habits, and family dynamics.

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Key Discussion Points & Insights

1. Reyna's Background and Career Claims

• Reyna introduces herself as a full-time streamer and part-time car wrapper but admits she just started the car business.
• Claims she’s been streaming for three years full-time yet gets little engagement ("15 average viewers on Twitch").
• Insists her “brand” is strong on TikTok and Instagram, despite view counts and follower drops.
• Defensive about her “talent” and online presence but unable to demonstrate significant, sustainable income from content creation.
• Admits her boyfriend and father provide substantial financial support.

"Caleb: From the views and everything I’m seeing, you likely don’t have a talent... not a talent that people are interested in." [17:02]
"Reyna: I’m talented, okay?"

2. Income Sources and Financial Reality

• Reyna’s reported monthly income fluctuates drastically: at her "peak" she claims $3,000–$5,000/month, but last month made only $450.
• Other income attempts include cash apps, donations, sporadic paid sound promos (now rare), and a "fanfics" site with ~60 paid subs.
• Most income sources are unreliable, minimal, or in decline. Her recent TikTok payout: $0.52 for the past week.

"Caleb: TikTok, seven days pay... $0.56." "--Reyna:** I’m not posting videos over a minute long." [09:32]

3. Content Creation Delusions vs. Reality

• Caleb challenges Reyna’s belief that follower count equals fame or success, emphasizing views and engagement are what matter.
• Reyna struggles to accept analytics showing a steady decline in both followers and engagement.
• She insists her brand (notably "pink hair" and car content) is unique enough to "make it."
• Attempts to justify spending on appearances (“the more money I spend on myself, the more money I make”) are met with skepticism.

"Caleb: Followers mean nothing. Subscribers mean nothing. Nothing." [17:47]
"Reyna: My dad would be so upset if I quit… it was his dream for me to be a streamer." [17:57]

4. Support Systems & Enabling

• Reyna's boyfriend (a vocal engineer) and her father provide substantial financial subsidies.
• She admits to borrowing rent or bill money from both when needed.
• Father appears on the call, admits to putting her on his credit cards and encouraging streaming as a career because "she wasn't doing anything else."
• Both Caleb and Reyna’s dad express concern that ongoing financial support is preventing Reyna from developing independence or stability.

"Caleb: She is literally never going to learn any life skills because she’s being endlessly bailed out and enabled." [54:13]
"Reyna’s Dad: The last thing you need is a kid." [59:29]

5. Debt, Spending, and Financial Mismanagement

• Reyna owes approximately $20,000, with multiple debts in collections (credit cards, car repo, unpaid classes, medical bills).
• Previously had a car repoed after missing payments; advised by her father to "just file bankruptcy after they take it."
• Struggles to identify or track her own income and expenditures; much spending is on non-essentials (Starbucks, vape, Instacart, beauty, pet supplies).
• Her “budget” is virtually nonexistent, and she relies on family for significant bills.

"Caleb: Your entire life is pathetic, dude. Okay, $644. I’m assuming this is another collections." [73:20]
"Reyna: I don't have that much debt though either."
"Caleb: No, you have a lot of debt." [74:05]

6. Entrepreneurial Aspirations & Financial Illiteracy

• Reyna expresses desire to open a car-wrapping studio despite her debt, poor credit, and zero financial plan for a business lease.
• Entertains the idea of making money trading stocks or crypto, inspired by her brother’s (debated) day trading success.
• Admits, "I want to do futures. I don’t really know much about it, but I just know people get rich from it." [24:57]

7. Critical Analysis from Host

• Caleb and Brandon repeatedly implore Reyna to abandon influencer dreams and seek stable, income-generating employment, especially in the automotive field where she has experience.
• Point out practical barriers to her plans (bad credit, inconsistent income, lack of business acumen).
• Stress that bankruptcy or financial windfalls do not cure poor behavior or financial habits.

"Brandon: Financial help is you need to get a job and not bankruptcy. Because bankruptcy doesn’t fix your behavior." [68:34]
"Caleb: Objectively, you are a waste of human civilization." [75:13]

8. Self-Reflection & Resistance

• Despite mounting evidence, Reyna clings to aspirations of getting rich from content or day trading.
• Justifies her lifestyle as "figuring out what I really want to do," but admits little to no progress in any chosen field.
• No real action plan to improve, and requests continued support from family.

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Notable Quotes & Moments (with Timestamps)

• On Income & Streaming Reality

  • "Your live analytics are horrible." — Caleb Hammer [11:24]
  • "Fifteen viewers. I am criticizing this because you told me you’re a professional Twitch streamer." — Caleb Hammer [12:16]
  • "At your max, you’re making four... That’s likely not enough. Not enough to survive, and you’ve likely passed that peak." — Caleb Hammer [18:54]

• On Perceptions of Fame and Influence

  • "You just want to be known. That’s all you care about. You just want to be popular." — Caleb Hammer [26:10]
  • "You’re not famous. You’re not famous." — Caleb Hammer [27:14]

• On Enablement and Support

  • "As long as we keep paying for her life she’s never gonna feel the pressure to actually go do shit." — Caleb Hammer to Reyna’s Dad [54:13]
  • "You can't depend on me forever." — Reyna’s Dad [59:12]

• On Debt and Collections

  • "$7294 – repoed car... Why’d you have a car get repoed?" — Caleb Hammer [65:24]
  • "You just get things you can't afford and he gets a repo." — Caleb Hammer [67:07]

• On Entrepreneurial and Financial Delusions

  • "I want to do futures. I don't really know much about it, but I just know that people get rich from it." — Reyna [25:01]
  • "You don’t know how to run a business to save your life. You can’t even run your own life." — Caleb Hammer [34:47]

• On Self-Awareness and Excuses

  • "But if I get to that point again where I’m making four, then I can...day trade." — Reyna [19:02]
  • "I don’t really have [energy]..." — Reyna [34:19]

• Candid Parental Admissions

  • "Because I ain’t got a lick of sense." — Reyna’s Dad [52:08]
  • "She needs to pick a career." — Reyna’s Dad [58:51]

• Host’s Concluding Judgments

  • "You are a joke. You are sad. You are pathetic. You are a waste of human civilization." — Caleb Hammer [75:13]
  • "Hammer financial score: Go f*** yourself and get a job like an adult, you spoiled brat." — Caleb Hammer [86:10]

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Timestamps for Major Segments

• Intro & Reyna's Career Claims: [01:06–06:00]
• Social Media Metrics Reality Check: [06:00–12:00]
• Breakdown of Actual Earnings: [12:00–17:00]
• Debate Over 'Fame' and Online Success: [17:00–28:00]
• Debt, Collections, and Spending Habits: [29:00–44:00]
• Father and Brother Phone Calls: [47:00–60:00]
• Failed Entrepreneurial Plans/Car Repo: [60:00–68:00]
• Conclusion & Financial Score: [84:00–86:10]

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Memorable Moments

• Reyna’s dad, when called, openly admits enabling her and says he has “no sense” ([52:08]).
• Caleb’s incredulous reaction to Reyna’s belief in herself as a future famous influencer, despite metrics ([27:14]).
• Candid segment with brother, who day trades and undermines Reyna’s plan for easy riches ([50:54]).
• Running joke about Reyna’s “meta” being her thighs and pink hair as the only draw for her social accounts ([38:52], [39:00]).
• Final assessment: "Hammer financial score: Go f*** yourself and get a job like an adult, you spoiled brat." ([86:10])

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Tone and Language Notes

The episode is characterized by Caleb’s signature blunt, no-nonsense, occasionally abrasive humor. There’s substantial sarcasm, explicit language, and banter—frequently at Reyna’s expense, but also aiming to provide tough-love financial advice. Reyna often responds with defensiveness, self-justification, and lack of awareness, while the hosts vacillate between amusement, frustration, and exasperation.

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Takeaway

Reyna’s financial audit is a frank exploration of the dangers of confusing internet notoriety with genuine success, the risks of enabling adult children, and the pitfalls of living beyond one's means while refusing to accept reality. The hosts emphasize financial discipline, career focus, and the reality check needed for anyone chasing "influencer" dreams without results.

Recommendation: Reyna should abandon her influencer ambitions, get stable employment (preferably in automotive), pay down her debt, and develop financial independence—before her family’s support runs out.

Transcript

[Caleb Hammer]

To watch episodes of financial audit a week earlier. Check us out on YouTube.

[Brandon]

So we have a talent manager. What does this mean? Yeah, how do you pay your talent manager?

[Caleb Hammer]

You don't make dick.

[Reyna]

He takes. He takes a percentage of my earnings.

[Caleb Hammer]

A percentage of 52 cents.

[Reyna]

The more.

[Caleb Hammer]

Why?

[Reyna]

The more money I spend on myself, the more money I make.

[Brandon]

You don't make any.

[Caleb Hammer]

From the views and everything I'm seeing, you likely don't have a talent.

[Reyna]

I'm talented, okay?

[Caleb Hammer]

Yeah, not a talent that people are interested in. Call your dad right now. Hello, Papa.

[Reyna's Dad]

Listen, you're a liar. And a

[Brandon]

Dollar wise is finally here. Sending waves through the personal finance world. This is officially now the best budgeting app on the market. And I'm giving you a special deal to download, but only through March 31st. Take a free three day trial to test it out and then you get the monthly plan at a 33% discount for the first three months or the annual plan at an insane 50% discount. And with the annual, you get my budget friendly cookbook and my brand new 30 day detailed budget meal plan signed

[Caleb Hammer]

by me and mailed directly to you.

[Brandon]

After March 31st, the cookbook is going away forever. So this is literally your last chance.

[Caleb Hammer]

Don't miss the opportun.

[Brandon]

A lifetime download Dollar Wise and start your free trial. Go to Dollar Wise.com or click the link below.

[Reyna]

Hi, I'm Reyna. I'm 26 years old and I live in central Tennessee and this is Financial audit.

[Brandon]

Welcome down to Austin.

[Caleb Hammer]

Happy to have you. Tennessee's cost of living has certainly gone up over the past couple years, especially central. Because I know like east is. And west is like scary and don't go there, you'll get shot. But.

[Reyna]

Well, I lived in west Tennessee and

[Caleb Hammer]

you're lucky you're alive. So what do you do there for a living?

[Reyna]

I'm a streamer and I rap cars.

[Caleb Hammer]

You work for Ramsey?

[Reyna]

Huh?

[Caleb Hammer]

Huh? Ramsay or like Daily Wire or like Money Guy?

[Reyna]

No, I stream.

[Caleb Hammer]

You stream on your own?

[Reyna]

Yeah.

[Caleb Hammer]

Yourself? You're solo?

[Reyna]

Yes.

[Caleb Hammer]

Good. And something you said, something about cars.

[Reyna]

I wrap cars. Like the vinyl wrapping?

[Caleb Hammer]

Is that the one that pays the bills?

[Reyna]

Well, I. I mean I just start.

[Caleb Hammer]

Which one pays the bills?

[Reyna]

I just started the rapping. So like I guess it's in there. But I'm like.

[Caleb Hammer]

How long have you been full time streaming?

[Reyna]

Like three years.

[Caleb Hammer]

What the fuck? I've never heard of you. Do we know this person?

[Reyna]

You've seen me before. There's no way you haven't.

[Caleb Hammer]

Show me Something I would have seen before. What was the big viral. Yeah.

[Reyna]

Okay, I'll show you.

[Caleb Hammer]

Yeah, if you're.

[Reyna]

No way.

[Caleb Hammer]

I mean, you're anonymous right now because we don't allow people to plug shit and we're not protecting people. But, like, yeah, let's see what's going on.

[Reyna]

Okay. I will be very surprised if you haven't seen this, to be honest with you.

[Caleb Hammer]

We got an ego.

[Reyna]

It's not an ego. It's just, like, reality. Oh, it's not coming up? No, I swear.

[Caleb Hammer]

Hold on.

[Reyna]

Wait.

[Caleb Hammer]

That's curious.

[Reyna's Dad]

Babe, what are you doing?

[Caleb Hammer]

I'm not. That's my girlfriend.

[Reyna's Dad]

I'm skipping you.

[Caleb Hammer]

What are you talking about, bro? That's literally my girlfriend. You know this guy? I. I don't know. What are you doing with this guy?

[Reyna]

I don't know him.

[Reyna's Dad]

Don't know me.

[Reyna]

What do you.

[Caleb Hammer]

What does that even mean? Put this video on screen right now.

[Reyna]

I've never seen this guy.

[Caleb Hammer]

You were literally just at my apartment an hour ago. You said you went to go get

[Reyna's Dad]

your nails done an hour ago.

[Reyna]

I did get my nails done.

[Caleb Hammer]

This is real?

[Reyna]

No, it's not real. It was a skit.

[Caleb Hammer]

So what the is all went viral? Yeah, about, like, twins or something?

[Reyna]

No, it was like, what is it? It was like, hey, like, you're with my girl. And it was like, no, that's not your girl. That's my girl. And then he facetimes his girl, but

[Caleb Hammer]

it was then he fell off. What do you mean and then you fell off?

[Reyna]

Well, I didn't post that. That was his page.

[Caleb Hammer]

I got 200,000 followers.

[Brandon]

Okay, hold on.

[Caleb Hammer]

We actually have something here on TikTok. You don't get many views per post, though, do you?

[Reyna]

I just changed my car.

[Caleb Hammer]

What's up with women in cars?

[Reyna]

Listen, I always sit in cars and

[Caleb Hammer]

they do, like, a rant, and then they get no views, and then they cry.

[Reyna]

I do the lip singing videos, and then I tried to stop doing that, but that's what really pushes the views for me.

[Caleb Hammer]

So I guess I car rap video.

[Reyna]

Yeah, I rap cars.

[Caleb Hammer]

Okay. Those thighs are crazy. Okay, now I understand why the views are gotten. I think we understand it. Okay, Instagram311.

[Reyna]

That's not my actual account. I'll give you my other phone.

[Caleb Hammer]

What the heck is happening here? What's the difference between this phone and that phone?

[Reyna]

This was supposed to be, like, my social media phone because I was like, oh, my God. Like, I spend so much time on social media because I have to work all the time. And then I wanted to be, like. More like, get away from it. But this is better.

[Caleb Hammer]

Oh, 28,000 on Instagram. Okay. So you're not offing?

[Reyna]

No.

[Caleb Hammer]

This is interesting. Okay. You have a Model 3. I'm in your Tesla app.

[Reyna]

No, that's the rental that I got for today.

[Caleb Hammer]

Oh, okay. Do you make money? I'm confused about what. I'm trying to look at your. Let's see what's going on here. I gotta know. I gotta know what's happening. Last seen 13 hours ago on Twitch Fanfics, ladies and gentlemen.

[Reyna]

We got him. Yeah.

[Caleb Hammer]

What's that? I mean, I know what it is, but what's going on?

[Reyna]

Well, I just post, like, selfies on there because people really like to see just me because I have so many followers. They like to just have extra content.

[Caleb Hammer]

You post on Twitter. You have a Twitter link.

[Reyna]

I don't post on Twitter. Okay, you can go to my Twitter, but I don't use it.

[Caleb Hammer]

Nope, one post. Okay, what is going on? I'm so confused.

[Reyna]

I just. I like.

[Caleb Hammer]

Is this an actual career? I mean. Okay, I guess I should ask. What. What's the. Okay. Okay. Your stream duration was four hours yesterday. Oh. All right, Brandon, as someone who goes live on Twitch, are you ready? I think this is answering our questions. We're five minutes in. Sorry, ladies and gentlemen, I'm trying to figure this out. Average viewers was 15.

[Reyna]

Okay. That's a. Imagine being in a room with 15 people, though. Like, that's a lot of people.

[Caleb Hammer]

Not for making a living.

[Reyna]

Okay, so it.

[Caleb Hammer]

I mean, that's worse than idubbbz, and no one does worse than idubbbz.

[Reyna]

I don't know who that is.

[Caleb Hammer]

You've never been on the. Oh, you. How. This is your career. Okay. What are you. What the are you talking about?

[Brandon]

Unlock this shit.

[Caleb Hammer]

Unlock this. What the.

[Brandon]

You got no views.

[Caleb Hammer]

How.

[Brandon]

How are you making money?

[Reyna]

It's just. I'm making money.

[Brandon]

So that's your career.

[Caleb Hammer]

Fine, then tell me how much you make. Well, you gained a follower.

[Reyna]

I had to. I took a little break, but I was making like three to five thousand a month.

[Caleb Hammer]

What? Okay, well, even still, that's like central Tennessee. That is kind of hard, but go on.

[Reyna]

Okay. Last month I made 450.

[Caleb Hammer]

I. I just started ripping professional streamer. Professional streamer.

[Reyna]

Listen, I don't even know.

[Caleb Hammer]

I don't even know how much is happening.

[Reyna]

I don't even know how much I made.

[Caleb Hammer]

What a king lie.

[Brandon]

That's. Come on.

[Caleb Hammer]

Well, how long was your break? Why did you take a break?

[Reyna]

Because I started working at a car dealership. And so.

[Caleb Hammer]

And why did you do that?

[Reyna]

Because I was like, oh, hey, because

[Caleb Hammer]

you are making money probably, right?

[Reyna]

I don't. I really don't know how much I make.

[Caleb Hammer]

Stop the cap. What? I make that make sense. Okay, what does that mean?

[Reyna]

Even though my Twitch like, revenue is not there, like, I do sound promos.

[Caleb Hammer]

Like, what is the sound promo record label sounding Promos.

[Reyna]

What is the sound promo Record labels pay me to post songs.

[Caleb Hammer]

What the Talk? Because your TikTok, that gets a thousand views a video.

[Reyna]

I used to get like 50, 000 views.

[Caleb Hammer]

Okay, you get a thousand.

[Reyna]

Okay, Now, I haven't had a sound promo in a minute, but people cash at me money and they just send me.

[Caleb Hammer]

Okay, first of all, I mean, I'm just. This isn't ego boosting. It's not like, yeah, let's just talk real analytics. I mean, 50,000 on TikTok is nothing. That's a failed video. That's a flop that went to nobody. Like, just not really, though, because it's not 50,000 watches. They, like, saw it for a second and they swiped. If it only went to 50,000, people were just swiping through,

[Reyna]

but. But got the views, you know, kind of.

[Caleb Hammer]

And I mean, maybe people were dumb enough to pay for it. Are those freckles real?

[Reyna]

No, it's henna.

[Caleb Hammer]

Aha. Now I'm starting to understand your entire yes, you are attractive.

[Reyna]

Well, I have 200,000 followers.

[Caleb Hammer]

200,000 followers that don't watch you.

[Reyna]

No, they do. I just don't pop up on my for you page. But when I'm there, they pay attention to me. They just pay attention when they.

[Caleb Hammer]

That's how that works. By the way, if the content's not good, it doesn't get on anyone's for you page. Welcome to the algorithm. Well, the algorithm is not to keep people terminally online.

[Reyna]

That's why we all.

[Caleb Hammer]

To your 15 viewers.

[Reyna]

That's on Twitch. I go on TikTok.

[Caleb Hammer]

Give me your phone again. Then. Give me your phone again. I'm gonna screen record, just black out her shit because I'm not letting her plug herself. Knowing a woman like you, there's probably a lot of things on this phone anyway. Okay, TikTok studio. What? What do you want?

[Reyna]

I'm just confused.

[Caleb Hammer]

You're losing followers?

[Reyna]

Well, no.

[Caleb Hammer]

Your net is lost.

[Reyna]

I'm trying to switch my content, but

[Caleb Hammer]

I estimated pay previous. Can we have a guess? Wes, yell out a number so that Mike can Hear you on our TikTok.

[Reyna]

Can I guess.

[Caleb Hammer]

TikTok, previous seven days pay.

[Reyna's Dad]

Let's say 70 bucks.

[Caleb Hammer]

Okay.

[Reyna]

Can I guess.

[Caleb Hammer]

Let's do seven days. How many? $15. Okay. Yell at Colton. Oh, gosh. TikTok, what do you think she's made in the last seven days? Last seven days. I'm going to say two bucks. I want to say a dollar. 50 cents. Okay. 56 cents.

[Reyna]

I'm not posting minutes over or videos over a minute long.

[Caleb Hammer]

You backtrack so hard. Like, how are you making a living on this show?

[Reyna]

You're not sound promos.

[Caleb Hammer]

And then you said you don't do it anymore. Well, hey, remember when you said you get 50,000?

[Reyna]

Yeah.

[Caleb Hammer]

A post. You used to. Now you're only getting 78,000 a week across the board.

[Reyna]

That's a lot.

[Caleb Hammer]

No, you have fallen off.

[Reyna]

I don't think so.

[Caleb Hammer]

To be very clear. And that's. I mean, it's whatever. Like, I'm not. We're not trying to. Like.

[Reyna]

I also dyed my hair brown and that really tanked it now. Well, I had to go back to the paint.

[Caleb Hammer]

When did you do this? Going for sims. No, you haven't done well since May of last year. You fell off.

[Reyna]

No, that's not true.

[Caleb Hammer]

I have your literal. They're on screen right now.

[Reyna]

They're literally my posts.

[Caleb Hammer]

Huh.

[Reyna]

I thought you were looking at my posts. I was going to say I privated a lot of my posts.

[Caleb Hammer]

Why? Because down comments are down. Likes are down.

[Reyna]

Well, I have 150 TikToks in the plane and then in the Tesla, so I know those are gonna do good.

[Caleb Hammer]

No, that's not how that works. You're.

[Reyna]

It literally looks so good though. My pink hair with the white interior.

[Caleb Hammer]

So you're quantity over quality.

[Reyna]

The more you post, the more likely you are to get more views or

[Caleb Hammer]

the better content you post, the more like you are.

[Reyna]

All I have to do is lip

[Caleb Hammer]

sync though, to get your 50,000. Okay, okay, okay, okay, okay, okay. To be clear, the best you've gotten was four to five thousand hours a month. That's gonna be hard to survive. I'm glad there's a guy in the picture or else I don't know how you would be. How long have you guys been together?

[Reyna]

A long time. We've lived together for two years.

[Caleb Hammer]

And does he pay the bill?

[Reyna]

Like one year now.

[Caleb Hammer]

Do you pay the bills?

[Reyna]

We split kind of. It's not really 50. 50. Like when. Whenever I. Your live analytics are horrible on Where Twitch or TikTok oh, no.

[Caleb Hammer]

Yes.

[Reyna]

I average more viewers on TikTok Live than I do Twitch.

[Caleb Hammer]

Oh, everyone does because Tick Tock will just shove it in everyone's face. And you still got practically like 50.

[Reyna]

Like 70.

[Caleb Hammer]

Okay, I see. Yeah, the brown hair. But you haven't had brown hair on Tick Tock in a second, dude.

[Reyna]

It was the blonde.

[Caleb Hammer]

Okay, but you're back there. But you're. You've been on pink for a second.

[Reyna]

Yeah, I think issue was is that

[Caleb Hammer]

honestly, are people there for that? Are they there for these?

[Reyna]

I don't do full body videos that much. It's my pink hair. I swear. That's like my brand. That's me.

[Caleb Hammer]

Okay. Your brand?

[Reyna]

Yeah.

[Caleb Hammer]

Fifteen viewers. I am criticizing this because you told me you're a professional Twitch streamer.

[Reyna]

Yeah, no, I did a 30 if you are.

[Caleb Hammer]

And this isn't criticizing them because they're grinding. I love. Well, actually Brandon doesn't stream anymore anyway, so either way. But Tyler does. Our boy Tyler, it gets like 40 to 50 concurrence a stream and I love him for that.

[Reyna]

Streaming every day. Well, yeah, I can't do that.

[Caleb Hammer]

Why?

[Reyna]

Because I'm wrapping cars.

[Caleb Hammer]

How frequently?

[Reyna]

I have two cars at the shop right now. And then I also have a talent manager.

[Brandon]

What does this mean? Yeah, how do you pay your talent manager?

[Caleb Hammer]

You don't make dick.

[Reyna]

He takes. He takes a percentage of my earnings.

[Caleb Hammer]

A percentage of $0.52?

[Reyna]

No. So he'll get me a sound promo with like a record label or like an independent.

[Caleb Hammer]

But you said you don't do those anymore. So he's not getting them.

[Reyna]

No, he hasn't been.

[Caleb Hammer]

Because you don't make money for him.

[Reyna]

I've made him money. You need Botox for my wrinkles on my forehead. Yeah, yeah, I know.

[Caleb Hammer]

Protecting you, girl.

[Reyna]

It's fine. But I'm a guy's girl. I'm literally. I'm literally saving for you.

[Caleb Hammer]

I'm helping you out.

[Reyna]

I'm saving for everything that I want to do.

[Caleb Hammer]

Well, shit, no, don't do that. You can't afford it. You can't afford life. I shouldn't have said that. I shouldn't have said that. How are you paying your portion of rent? Are you. Do you have a portion of rent?

[Reyna]

Yeah, it's half.

[Caleb Hammer]

What? How much?

[Reyna]

Well, like. Yeah, the full rent, I think is 1900.

[Caleb Hammer]

How are you even paying half though? Okay, so what are you making with the car part that you just took over?

[Reyna]

I don't know how much I make.

[Caleb Hammer]

Oh, my goodness. You're have you never looked at your accounts?

[Reyna]

I have, but there's just so much going on in the accounts that it's so hard to keep up. Like, I. I know with wrapping cars, I've probably made like 4,000 so far this year. And then I also have more cars sitting at the shop that I have to finish and then also get paid for those.

[Caleb Hammer]

You scrunching your forehead? Dude.

[Reyna]

Dude, I can't help it.

[Caleb Hammer]

You're. You're. Listen, the. I don't think about this for most guests. But you're on camera for a living. Well, shit. Actually, not really. So never mind. No, keep going. Keep scrunching. It doesn't matter. It doesn't matter.

[Reyna]

That's fine. That's fine. No, anyways, what were we saying before you brought up?

[Caleb Hammer]

Well, I was like, how much money you make?

[Reyna]

Yeah, it's somewhere around. If I were to guess how much I'm making a month, I would say 3 to 4,000. Because we have to also consider the cash apps, the donations.

[Caleb Hammer]

And what is that? Donations? Like the 15 people?

[Reyna]

Yeah.

[Caleb Hammer]

What do they get for it?

[Reyna]

They get to see me.

[Caleb Hammer]

What's on your special little naughty page?

[Reyna]

You want to see it?

[Caleb Hammer]

I guess. Yeah.

[Reyna]

It's not a naughty page. You're literally going to open it and be like, oh, who pays for this? But I love it.

[Caleb Hammer]

And I'm guessing the answer is, like, one person.

[Reyna]

No, I have, like, 60 subs on there.

[Reyna's Dad]

What?

[Reyna]

Oh, that's another thing. Yeah, fanfics. I make money from that.

[Caleb Hammer]

Well, yeah.

[Reyna]

Weekly. I get paid weekly. But where is it? Is it even.

[Caleb Hammer]

I told Colton that you like, that your fans think you're rich.

[Reyna]

Oh, my God.

[Caleb Hammer]

Keep up the appearance of rich.

[Reyna]

Thank you.

[Caleb Hammer]

But you're not. No, I'm not saying that. You told Colton that I have to. You're a. You don't know what I'm saying.

[Reyna]

I do know what you're saying. You said that I look like Colton,

[Caleb Hammer]

that you think you look like you're rich and you have to keep that appearance for them.

[Reyna]

I do have to keep the appearance. The more.

[Caleb Hammer]

Why?

[Reyna]

The more money I spend on myself, the more money I make.

[Caleb Hammer]

You don't make any.

[Reyna]

Well, that's because I spend on myself often. But, like, when I do.

[Brandon]

What are you talking about? You do not look bad.

[Caleb Hammer]

You're attractive. I think most any guy would. Okay, like, what are we talking about here? So, like, what is the issue? What. What money do you have to spend on yourself? The Botox thing was mostly a joke, but also I was noticing the Wrinkles, the scratch, the scrunching it. And you want to be on camera.

[Brandon]

Okay, but.

[Caleb Hammer]

Okay, sure, yeah. Who pays for this?

[Reyna]

I knew you would say that. But, like, people love to see it. They love to see it. It's like extra. Like, why?

[Caleb Hammer]

Because they're literally just Instagram things that are here, here, top down, camera. This is literally nothing. Okay, well, there's like a touch of cleave there, but not really.

[Reyna]

But, like, they get, like, extra stuff. It's like, oh, hey, watch.

[Caleb Hammer]

She's got extra stuff.

[Reyna]

It's just pictures that nobody else gets to see except for my subscribers.

[Caleb Hammer]

Wow. Yippee. And yeah, they are getting likes. Dude, men. Let's have a conversation about my gender real quick out there. You guys are being pathetic. Why are you paying for this? What are you doing? At least. At least that one's almost like a bra picture. But this is. This is like, so nothing. Oh, my gosh.

[Reyna]

Oh. What is wrong with that?

[Brandon]

I don't know.

[Caleb Hammer]

Why are you doing things?

[Reyna]

I don't know. It's a Samsung. I don't know.

[Caleb Hammer]

Anyways, it's time to give up.

[Reyna]

Give up what?

[Caleb Hammer]

This content creation thing. You're not in it. I'm sorry.

[Reyna]

Why don't I give it up?

[Caleb Hammer]

Okay, here's the reality. I'm just gonna lay down the reality. This kind of sucks. The reality is, from the views and everything I'm seeing, you likely don't have a talent.

[Reyna]

Talented?

[Caleb Hammer]

Okay. Yeah, not a talent that people are interested in. So you might have your own talent. So if you don't have anything that's contributing to the marketplace that people are willing to pay for or watch, you either gotta find that niche, which unfortunately, I don't. Just based on your. How long have you been trying this content creation?

[Reyna]

I started in 2023 and then I quit for like six months.

[Caleb Hammer]

It's time to move on. Time to get a career.

[Reyna]

I don't think so.

[Caleb Hammer]

Oh, I have 200,000 followers.

[Brandon]

Yeah, but you're not that far.

[Caleb Hammer]

First of all, let me be completely honest. As of about two years ago, followers mean nothing. Nothing. Nothing. Subscribers don't mean anything. Followers don't mean anything. Nothing.

[Reyna]

My dad would be so upset if I quit.

[Caleb Hammer]

Like, I don't give a. Why would he be upset?

[Reyna]

He got me into streaming. It was his dream for me to be a streamer.

[Brandon]

What?

[Caleb Hammer]

That's so weird, because this is guys gooning, usually because again, you don't do anything interesting. Okay, you streamed for three hours last night. What did you do? Show me. Pull up yesterday's stream.

[Brandon]

Pull up yesterday's stream.

[Caleb Hammer]

Pull up yesterday's stream.

[Reyna]

I don't even know p. Yesterday's stream. I don't think I can, cuz I have my. What's wrong with you?

[Caleb Hammer]

What was your stream last night? You have your vods off. Why are you just horrible at content creation?

[Reyna]

I'm not horrible.

[Caleb Hammer]

That's just like an easy thing.

[Reyna]

You don't get that with being Anyone

[Caleb Hammer]

can get 15 views anyways.

[Reyna]

Yeah, my vod is off. I don't have access to it. I was in the hotel room just like hanging out in bed, listening to music.

[Caleb Hammer]

Okay, it's time to get a career. You.

[Reyna]

That is a career.

[Brandon]

No, it's not for you. You're making a few hundred bucks a

[Reyna]

month, but that's just because I haven't been as consistent with it.

[Caleb Hammer]

At your max, you're making four. Yeah, that's likely not enough. Not enough to survive, and you've likely passed that peak.

[Reyna]

But if I get to that point again where I'm making four, then I can, like, save it and then day trade and what? Get rid of.

[Caleb Hammer]

Okay, I'm just gonna ignore that part because. Shut the up. This cannot be your mentality. You're. No, that cannot be your mentality.

[Reyna]

So many people get so rich off of streaming.

[Caleb Hammer]

What's your boyfriend do?

[Reyna]

He's a vocal engineer.

[Caleb Hammer]

Vocal engineer? Does he actually make money?

[Reyna]

Yeah.

[Caleb Hammer]

So this is why you're able to just around forever. What do you mean? What do you think?

[Brandon]

I guess you are.

[Caleb Hammer]

You make. You think you make a couple thousand hours a month. Detailing.

[Reyna]

Not detailing. It's wrapping.

[Brandon]

Wrapping.

[Caleb Hammer]

Whatever.

[Reyna]

Very different.

[Brandon]

Yes, it is different.

[Caleb Hammer]

I don't care.

[Reyna]

I used to detail.

[Caleb Hammer]

Let me ask you something. How long have you been planning to deal with your debt? Six months? A year? Two years?

[Brandon]

Every time you make a payment, you say, I'll figure this out next month.

[Caleb Hammer]

But you're just waiting for the perfect time, the perfect paycheck, the perfect plan to magically appear. Meanwhile, that interest is stacking up late, fees are hitting.

[Brandon]

And that balance, it is not shrinking, it's growing.

[Caleb Hammer]

You're not treading water. You're sinking. And the longer you wait, the deeper you go. Every month, every fee and every point of interest is working against you. The math doesn't care about your intentions. It doesn't care that you are trying. So here's the good news. PDS that has already helped hundreds of thousands of people get out of this exact trap.

[Brandon]

Not with magic or the time machine,

[Caleb Hammer]

but with a Custom plan tailored to your situation. Situation. So whether you're buried in credit cards, personal loans, collections or medical bills, PDS Debt has customized options to help you get out. They understand your specific scenario and will help provide alternative solutions to becoming debt free. And there's no minimum credit score required. They're here to help you save more, pay off your debt faster and start putting money back where it belongs in your pocket. They're A plus rated by the Better Business Bureau with thousands of five star reviews on Google and a five star rating on trustpilot.

[Brandon]

And you know why?

[Caleb Hammer]

Because they actually help people get out of debt. Real people, real results. In fact, if I needed this product, it's exactly what I'd use. The best time to start was yesterday. The second best time is right now. You're 30 seconds away from being debt free with PDS debt. Get your free assessment and find the best option for you at pdsdebt.com hammer that is pdsdebt.com hammer pdsdeb.com hammer you suck with money. So you download a budgeting app. You start with the classic one Ynab, but everyone just deletes it because it's way too complicated to use.

[Brandon]

So you go to everydollar.

[Caleb Hammer]

That's Dave Ramsey, the personal finance 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

[Brandon]

commercials, but they're owned by Rocket Mortgage.

[Caleb Hammer]

Guess what they want to sell you in the end. Then there's the new guy on the block. Monarch. Hundreds of millions of dollars of private equity raising so far.

[Brandon]

But private equity doesn't have the best track record when it comes to private data.

[Caleb Hammer]

That's why I like dollar wise 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. Start the free trial dollar wise.com link in the description below. Okay. Fanfics. $270 came in. And a tax refund. I'm glad we're subsidizing her to do nothing.

[Reyna]

What the fuck is wrong with 22 refund? Because I didn't file for the likes the last couple.

[Caleb Hammer]

We gave you a refund for not great. Okay. 57 from streaming. 500 from streaming. The Roan Gifts. $25. Did I not senior pay. I see Zell in 721. Is that rapping?

[Reyna]

No.

[Caleb Hammer]

So I don't have rap income that. Wait, if you just filed for 2022 have you paid for the last four, three years?

[Reyna]

No, I'm working on getting caught up. I filed for 2021 and 2022 last year.

[Caleb Hammer]

I just. How. What the. Why are you in our society? Why do we allow this?

[Brandon]

What?

[Reyna]

I'm friendly and I get views and

[Brandon]

people like to watch out.

[Caleb Hammer]

Why are you. You're gaslighting yourself. No, you are gaslighting yourself. You don't get views. Your content is nothing. You're sitting there listening to music. What's the most interesting thing you've done on content?

[Reyna]

On content?

[Caleb Hammer]

Yes.

[Reyna]

My streaming is, like, really interesting. But also I made another page. I have another TikTok page that I've been working on growing.

[Caleb Hammer]

Is it growing?

[Reyna]

It's talking about me and my financial situation and getting better with my finances and getting rich.

[Caleb Hammer]

Says the wannabe day trader. Pull it up.

[Reyna]

People tagged you in these videos. I'm so scared now.

[Caleb Hammer]

Yes, well, I don't open that up here.

[Reyna]

Oh, shoot. Here.

[Caleb Hammer]

They said she's. She needs to go on financial audit. Is that what they were saying?

[Reyna]

I thought that they were.

[Caleb Hammer]

You look better here than you looked on. And then you look in these videos,

[Reyna]

you say I look better there?

[Caleb Hammer]

No, here. Oh, don't put your hair up.

[Reyna]

Don't put my hair up? Well, I had to put extensions in to come on the show, so.

[Caleb Hammer]

Oh, is that what it is? Yeah, it looks better.

[Reyna]

I thought so too. Which. That's another thing. I put the extensions in. I know it's gonna do better now.

[Caleb Hammer]

Yeah, maybe. This is a good look.

[Reyna]

That's my natural hair.

[Caleb Hammer]

That one's good. Okay, you get no views. People are tagging you. Tagging me? What do you mean you get no views? Who's tagging me?

[Reyna]

There was a video.

[Caleb Hammer]

This is just another thing where she gets no views. Like, what are we talking about?

[Reyna]

I grew that to 2,000 followers in like two weeks.

[Caleb Hammer]

Okay, maybe it'll be something. I don't know. But again, followers don't matter much. It's views that matter, revenue that matters. This isn't like 2020, 2016. It's just not. Shorts are just. They're easy.

[Reyna]

They're not easy.

[Caleb Hammer]

And this is why I think you should move on.

[Reyna]

Why? Cuz I think. Don't think it's easy.

[Caleb Hammer]

I don't think you. I just. I don't think. Okay, you can go. But you're. But you're talking. What are you even talking about in those videos? Cuz you mentioned day trading here. So it's like, what?

[Reyna]

In the video, I was like, oh, like I'm going to get rich next year. So. But my first step is I have to file bankruptcy and I need to start wrapping cards and I.

[Caleb Hammer]

Okay, so what's your big mega brain plan to get rich?

[Reyna]

Day trading. After I save money.

[Caleb Hammer]

Okay. And go ahead, tell me about your day trading strategy.

[Reyna]

Oh, I want to do futures. I don't really know much about it, but I just know that people get rich from it.

[Caleb Hammer]

People get rich from it. The vast majority lose money. Day trading, it's like 85%.

[Reyna]

My brother was doing it full time and he's pretty successful.

[Caleb Hammer]

Was? Yeah, was.

[Reyna]

Well, he quit now. He just doesn't.

[Caleb Hammer]

Why did he quit?

[Reyna]

I don't know. He just travels now.

[Caleb Hammer]

Call him.

[Reyna]

Call him.

[Caleb Hammer]

Call him, asshole.

[Reyna]

He probably won't answer.

[Caleb Hammer]

Why? You guys don't like each other?

[Reyna]

No, we love each other. He just like. We just have that relationship where it's like, call him. I'm calling him.

[Caleb Hammer]

What is wrong with you?

[Reyna]

Do you want that? I'm telling you, he's talking about most likely not going to answer.

[Caleb Hammer]

We'll see. We'll see. And you'll text him, What a pussy. So he day traded, Made enough to move on?

[Reyna]

I guess so. He also sells life insurance, though. But, like, the day trading was a big thing, but. So the plan is to really pop off even more on streaming.

[Caleb Hammer]

Here's the thing. Let's just be honest. You just want to be known. That's all you care about. You just want to be popular.

[Brandon]

No one know.

[Caleb Hammer]

Hey, I was literally. The video you just sent me. The video just sent me. Your face was blurred for like, half

[Reyna]

of it, the other, the end of it, it was unblurred.

[Caleb Hammer]

You were swatted?

[Reyna]

Yeah.

[Caleb Hammer]

Which one of your 15 swatted you?

[Reyna]

I don't know. I have no idea. All I know is I was swatted three nights in a row.

[Caleb Hammer]

Three nights in a row.

[Reyna]

Yeah, but the cops only showed up for one of. Well, like, they only, like, shut down the block and got us out of the house the first night. That was the only night where they were like, hey, like, you're bad.

[Caleb Hammer]

Those are bad people, obviously.

[Reyna]

But the next couple nights, they just sent two.

[Caleb Hammer]

I just think you want to be famous and you're just allowing this guy to sugar daddy you.

[Reyna]

I'm okay. I am already, like, there. Where Famous.

[Caleb Hammer]

Oh, my. She's so delusional. I don't know how to make it through this conversation. Because you're so gone.

[Brandon]

You live in an.

[Caleb Hammer]

You're not famous. You're not famous. Okay, let's do the example thing. The comparison. Okay, comparison again. Okay, so let me just. Fucking ego real quick, dude. We got like the top 10 podcasts on the Internet. I'm not even famous.

[Reyna]

It's a top 10.

[Caleb Hammer]

Yes. Oh, billions of views.

[Reyna]

Billions.

[Caleb Hammer]

Billions. Billions on TikTok, billions on YouTube. Three billion on YouTube.

[Reyna]

There's not even like a billion people in the world.

[Caleb Hammer]

Okay, how this guy. Okay, yeah, you're, you're getting reactions in the room. You're, you're stupid. Listen and like what I mean, I get recognized. Yes, but it's not famous. You're never going to be famous. What are you going to do?

[Reyna]

I'm going to be counting what's famous.

[Caleb Hammer]

What's famous to you?

[Reyna]

Influential. Like people. Like somebody that people can look up to and no one's looking up to,

[Caleb Hammer]

I guarantee, I promise you. But go on, continue.

[Reyna]

There's people.

[Caleb Hammer]

Continue.

[Reyna]

Rich and being somebody that people can look up to and like helping others help it.

[Caleb Hammer]

You can do all that without being famous?

[Reyna]

Not, not to an extent.

[Caleb Hammer]

Well, not to an extent. What extent?

[Reyna]

Like just being somebody who can make people's days better.

[Caleb Hammer]

You can do that by volunteering. You can do that by doing a lot of things. Teaching, like, again, I don't want you

[Reyna]

anywhere near that good.

[Caleb Hammer]

Thank goodness every parent in the world just celebrated when they heard that. I, I, I don't, I don't understand. Like, what, what do I do here? If you think you're already known and you're not, and I probably need you to go make more money because you can't even tell me how much money is coming in. And all that basically came in last month was a few hundred bucks plus a tax refund for multiple years ago. And you're still owe multiple years. I'm surprised they didn't just already automatically withhold those. Like, what the is going on when I'm having to cut millions of dollars of taxes a year and we're subsidizing this creature. Who even knows Our, our system is so backwards. I'm starting to learn from the show.

[Reyna]

I'm not taking advantage of any.

[Caleb Hammer]

Reality is you're probably going to need to get another job. But if you're so convinced you're already known and all this stuff, how I'm going to be able to do that? How am I going to be able to convince you I'm not going to be able to.

[Reyna]

Their job.

[Brandon]

Yeah, but you don't even know it comes in.

[Caleb Hammer]

And when you say you do, you said it was like 2500 for the wrapping. Yes.

[Reyna]

No.

[Caleb Hammer]

How much did I hear wrong?

[Reyna]

I said, like, I made like 4,000 this year so far.

[Caleb Hammer]

This year? Dude, we're in the second month of

[Reyna]

this year, halfway through this month.

[Caleb Hammer]

So 2000amonth then. 2500amonth.

[Reyna]

Well, I only had, like one car last month or two.

[Caleb Hammer]

And how many cars this month?

[Reyna]

I have like two or three on my schedule when I get back.

[Caleb Hammer]

Do they ever cancel? I know it's inconsistent, though. Two or three happening when you get back doesn't mean two or three next month either, though.

[Reyna]

True. But I'm subcontracting for a company.

[Caleb Hammer]

Oh.

[Reyna]

So they.

[Caleb Hammer]

Until they don't want that anymore. Until they don't want that anymore for whatever reason.

[Reyna]

It's not gonna happen, though.

[Caleb Hammer]

Okay. It's a lot of confidence. I don't know. You're confident in everything. I don't really understand it. So what's going on? Like, what is happening in your life right now? What are we talking about?

[Reyna]

I wanna make more money.

[Caleb Hammer]

You are so lucky. Yes.

[Brandon]

The best way to do that is

[Caleb Hammer]

give up on your pathetic dream. Cause it's not gonna be a thing. It's never been a thing. Go get a job working in an office. Make some money. Get a career. Use the course. Career certification. Get an actual career going, like many people in the audience have.

[Brandon]

Make money.

[Caleb Hammer]

What is wrong with you? Do that. Stop basically sucking a dude's dick to live with him and be able to have the bills paid so you can be a wannabe influencer when you never will be and never have been.

[Reyna]

I'm literally. So I'm also gonna start my own,

[Caleb Hammer]

like, no, please, nothing. No. What?

[Reyna]

I want my own rapping studio. My own studio.

[Caleb Hammer]

Meaning you're getting a brick and mortar.

[Reyna]

Yeah. Or I could also, on top of that, like, do, like, at home. Like, people call me out.

[Caleb Hammer]

How much debt do you have?

[Reyna]

Maybe 20,000.

[Caleb Hammer]

Just about. How the fuck are you getting a break?

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[Caleb Hammer]

Equal housing lender Mortar with 20,000 when you're spending literally thousands more than you make a month.

[Reyna]

Do I have to pay that though? Like it's in collections.

[Brandon]

Depending.

[Caleb Hammer]

Some of it's in collection, some of it's not. Listen, like, you got cash app shit going on too. It's like, dude, you're broke it even. Still with collections, who's going to approve you to rent a brick and mortar?

[Reyna]

I'll buy it or get a cosigner.

[Caleb Hammer]

Cosigner maybe.

[Brandon]

But this is, this is a business lease.

[Caleb Hammer]

It's not the same as getting a rental of your own. Sound like getting.

[Reyna]

How is it any different?

[Caleb Hammer]

First of all, I mean a lot of businesses, they want to see years or minimum six months of a successful business going on before they allow you to sign a multi year lease. They're gonna lock you in for like three years, minimum. Two if you're lucky. But you're gonna be begging in a bad market or something.

[Reyna]

Then once it gets really successful, then I can just buy it out.

[Caleb Hammer]

Yeah, but how do you get it in the first place then? If you're. They run your credit, you're. Your business has nothing. You're.

[Reyna]

I'll just make enough money.

[Caleb Hammer]

That doesn't make sense.

[Reyna]

I'll have enough money.

[Caleb Hammer]

You still have to get approved and you're gonna have to do like, especially if you're risky, you're gonna have to do multiple months up front. Multiple months of a business lease. It's gonna be expensive. You need a full garage and space. It's gonna be expensive. Central Tennessee. It's gonna be expensive.

[Reyna]

It can't be too expensive.

[Caleb Hammer]

Your boyfriend's just paying for everything. Why does he put up with this? Because you're kind of hot. Is that it? Honestly, is that it?

[Reyna]

No, because he's not paying for everything.

[Caleb Hammer]

No way. He's not. You don't make money or else the death is going up. It has to be like, well, what else?

[Reyna]

No, we're both, we're both.

[Caleb Hammer]

I'm being told if he doesn't pay for something, you lean on someone else and borrow from them.

[Reyna]

That. Yeah, that has happened a couple times.

[Caleb Hammer]

So it's that.

[Reyna]

Yeah, but when I'm up, he might be down and when he's up, I might be down. So then like we said, you're never up.

[Caleb Hammer]

You've never been up. Where's your up? Your best month was four.

[Reyna]

When I was an assistant manager at an auto shop. I had a $50,000 salary I was doing.

[Caleb Hammer]

I was up. I mean, it's okay up compared to

[Reyna]

what I am now. I mean, like, everything is up compared

[Caleb Hammer]

to where you are now, except for homelessness. Go get that job again. Work your way up.

[Reyna]

Become general manager 60 hours a week. I don't need to do that.

[Caleb Hammer]

Don't need to do that. What is don't need to do that? I think you do. You don't make money. You're not paying debt. You have collections. You're.

[Reyna]

I'm not doing 60 hours a week. I can't do it.

[Caleb Hammer]

It's a temporary thing. You're 26. Like, that's not that bad at that time. This is the time to do it. This is when you have energy and then become gm.

[Reyna]

I don't really have.

[Caleb Hammer]

Work your way up. What do you mean you don't have energy? Shut the up.

[Reyna]

I don't.

[Caleb Hammer]

I don't get your iron balance.

[Reyna]

It's not iron. It's my white blood cell count.

[Caleb Hammer]

Do an infusion or whatever you need to do. I don't give a shit. I don't know.

[Reyna]

I don't know what it has to do.

[Caleb Hammer]

Dude, what, are you just gonna give up then? You're not gonna work? Are you gonna be a. You're literally gonna be a business owner, but you're saying you can't work 60 hours a week? That doesn't make any sense.

[Reyna]

Different. Like, I don't like working for somebody else.

[Caleb Hammer]

There it is. That's what it actually is.

[Reyna]

Versus getting myself rich. I don't like having a.

[Caleb Hammer]

You're not going to be able to get yourself rich. You don't know how to. You don't know how to run a business to save your life. You can't even run your own life. You couldn't get past. Dude, you're literally set up for everything, and you only get 15 views. Like, you're set up for a thousand concurrents.

[Reyna]

Oh, yes.

[Caleb Hammer]

At minimum.

[Brandon]

Yes.

[Reyna]

I can get a thousand.

[Caleb Hammer]

Yes, but you don't. Which is indicative just how much of a failure you are at everything you try to do.

[Reyna]

But if, like, I went all in on. Because I'm not, like, all in on streaming. I'm just like.

[Caleb Hammer]

But listen, if you can't work 60 hours a week, I don't know how you're going to be all in on streaming.

[Reyna]

Well, I just recently got obsessed with a game. So, like, I've been streaming one singular game.

[Caleb Hammer]

Until you fall off.

[Reyna]

Well, no, I. My goal is to get, like, the top rank in that game that I can.

[Caleb Hammer]

What game?

[Reyna]

It's Valerant. It's going to be a long, long thing though too. Cuz I'm the worst absolute rank that you can get, so it's going to take me a long time.

[Caleb Hammer]

Dude, okay, just shut the up. I. I don't know how this guy deals. How do you guys have conversations? Does he encourage you?

[Reyna]

No, he pushes me a lot.

[Caleb Hammer]

Pushes you? What do you mean by that? Pushes you in what direction?

[Reyna]

Like to do more and like what kind?

[Caleb Hammer]

Away, like away from your bullshit?

[Reyna]

Um, no. Like he's like, oh, like you should do this to like help yourself grow. And like he just like pushes me to like grow on social media and then also like the rapping thing. Like he's really supportive of like me doing that.

[Caleb Hammer]

Have you ever had an of.

[Reyna]

No.

[Caleb Hammer]

That's good. That's good. I'm just honestly surprised because you're kind of dumb and hot, so usually that just kind of goes into that. No one's ever encouraged you, right?

[Reyna]

People tell me a lot too.

[Caleb Hammer]

Yeah, but like anyone close to you. Oh, no, that's good, that's good. I don't want you to. I don't want you to whore yourself. I want you to go back to the. How long were you at this car dealership? As an assistant manager.

[Reyna]

Which one?

[Caleb Hammer]

As an assistant manager.

[Reyna]

I wasn't at the dealership as an assistant manager. That was a shop. Okay, how long and that was eight months. The first time or. No, the second time. The first time was a year.

[Caleb Hammer]

Why'd you leave?

[Reyna]

I moved.

[Caleb Hammer]

Can you use that experience and get something similar to where you are now?

[Reyna]

I tried when we first moved to where we're at now. Nothing happened. I didn't get any interviews. I got one, but they wanted to pay like $15 an hour and I was like, no, it's not happening. I haven't applied in a while. I just don't want to work 60 hours a week for salary.

[Caleb Hammer]

Like there's no overtime, but you'll get more money as you. This is like your investment into the career to go up. You're automotive obsessed.

[Reyna]

Yeah.

[Caleb Hammer]

Okay.

[Reyna]

Yeah.

[Caleb Hammer]

That's your big thing.

[Reyna]

That's like my. That's where all my experience is. Work wise.

[Caleb Hammer]

Experience or passion?

[Reyna]

Both.

[Caleb Hammer]

You like it? Okay.

[Reyna]

Oh yeah.

[Caleb Hammer]

So we want to double down there

[Brandon]

then there's a great.

[Caleb Hammer]

There's a great career there. Work 60 hours a week for a year or two. Move up, man. Use this experience to.

[Brandon]

Dude, you can make some money.

[Caleb Hammer]

Have you done sales?

[Reyna]

Oh, yes.

[Caleb Hammer]

And how you do sales. But you're. But you're.

[Reyna]

I'm not confident in my sales. I made $2,000 selling cars in like three months.

[Brandon]

Yeah.

[Caleb Hammer]

Fuck. Okay.

[Reyna]

Yeah, not good.

[Caleb Hammer]

I think you could get any guy to sign on the dotted line, but I guess not.

[Reyna]

Mm.

[Caleb Hammer]

Such an ugly era.

[Reyna]

I was blonde. The pink head's better.

[Caleb Hammer]

I guess. I mean, if it's the E Girl personality, it's not usually my go to. But like, I understand what people are, you know, I understand that people are into it, but.

[Reyna]

Yeah, no, not good at sales.

[Caleb Hammer]

Okay.

[Reyna]

Something else.

[Caleb Hammer]

I just need you to get back into it. You need to make some money.

[Reyna]

Oh, yes. Okay. So I forgot with the wrapping cars. I'm also incorporating that into my content, which you saw. Which those videos do better.

[Caleb Hammer]

Yeah, but the thighs.

[Reyna]

No, I'm doing it a shop. I wear like sweats every day now. They don't. I don't need to wear the shorts.

[Caleb Hammer]

Those get less views.

[Reyna]

Well, yeah, because I'm doing it kind of differently because I started the girl.

[Caleb Hammer]

You got to know the meta. I'm not saying whore yourself online, but you got to know the matter. I know my meta. You got to know your meta. I'm sorry, My meta is my care.

[Reyna]

It's the pink hair and the piercings.

[Caleb Hammer]

Why do you think that? That. That's the. That's it.

[Reyna]

Because whenever I dye my hair any other color, my views tank.

[Caleb Hammer]

Okay. That's a part of it. They want the E Girl person Persona.

[Reyna]

But E Girl, what is that? Yeah, I've heard the term. I just don't know like, what. I thought that was like the only fancy,

[Caleb Hammer]

like, streamer, that kind of stuff. But it's honestly, I mean, the one reason you have that pinned and it's like better views. It's the thick thighs.

[Reyna]

That's literally one video.

[Caleb Hammer]

And that's like one of your best performing videos.

[Reyna]

Such a good video.

[Caleb Hammer]

It's the thighs. I'm sorry, I think it's not trying to sexualize you specifically.

[Brandon]

No, it wasn't the Mustang.

[Caleb Hammer]

You don't think people are into the thighs? Come on. You're so egotistical about your followers that are non existent, basically, or your viewers that are nonexistent. But you can't be egotistical about your thighs.

[Reyna]

No, they weren't like the pink hair and the car.

[Caleb Hammer]

You know, you're meta. And again, I'm not specifically trying to sexualize you.

[Reyna]

I'm just.

[Caleb Hammer]

Whatever. Everyone knows you're attractive. We get it. Okay, Very good. It's specifically that. That was your high viewed video. You got the thighs. Everyone just saw them. Congratulations, well done on them. You work out?

[Reyna]

Not anymore.

[Caleb Hammer]

Okay, well maybe that's why they were better at one point, but it's just like, come on.

[Reyna]

Yeah.

[Brandon]

And listen, you don't have to go into that if you don't want to,

[Caleb Hammer]

but if your entire future is based off of you think that's the highest viewed video because of a Mustang, I just have bad news for you. That's what I'm trying to say. That's what I'm trying to get across.

[Reyna]

So you don't think I should just buy another Mustang for the views?

[Caleb Hammer]

Did you buy that Mustang?

[Reyna]

Yeah, that was mine. I owned it fully, but I sold it. I don't have it anymore.

[Caleb Hammer]

Did you make a profit when I sold it? Yes.

[Reyna]

Oh God, no.

[Caleb Hammer]

Oh, for sake. What are we doing?

[Reyna]

No, I lost money on that one. It was a mach one too. It was a five speed. It was manual.

[Brandon]

That's kind of stupid, I'll be honest. But what's not is actually getting a

[Caleb Hammer]

checking account that gives you free money.

[Brandon]

Free money? We like free money. You can get up to 350 in

[Caleb Hammer]

bonus cash right now when you sign

[Brandon]

up for the checking account that I use, Chime. Also, it makes your savings grow at

[Caleb Hammer]

a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below.

[Brandon]

Sign up for chime. Get that $350 right now in your checking account.

[Caleb Hammer]

If budgeting apps make you feel like this is for you.

[Brandon]

Most people who struggle with budgeting aren't irresponsible.

[Caleb Hammer]

They care about their money, but they

[Brandon]

get overwhelmed every time they look at it. They download an app, connect their accounts and try tracking. But within a few days, it feels like a homework assignment.

[Caleb Hammer]

They're failing.

[Brandon]

Too many categories, too many rules, too many red alerts. Too screaming at them about what they did wrong.

[Caleb Hammer]

So of course they stopped opening it.

[Brandon]

Not because they don't care, but because it makes them feel worse.

[Caleb Hammer]

And here's what nobody talks about.

[Brandon]

The stress isn't coming from your spending. It's coming from having zero clarity in using tools that turn money into a failing grade.

[Caleb Hammer]

Have you ever thought, I just want

[Brandon]

to know where my money's going without

[Caleb Hammer]

being judged for it? You're not alone. That's exactly what we built dollar wise.

[Brandon]

If you want a calm and clearer way to see where your money is going, Try dollar wise.

[Caleb Hammer]

Download the app today and get a three day free trial. No setup. Nightmare.

[Brandon]

No manual tracking. No pressure to be perfect.

[Caleb Hammer]

Just connect your accounts, see where your

[Brandon]

money is actually going and decide if

[Caleb Hammer]

it works for you. Click below to download dollar wise and see if this helps you feel more in control without the stress. And if it's not a fit, cancel anytime. Okay, I just. I'm sorry again. I want to be clear. My goal is not to sexualize you. I just don't want you to think there's other reasons why there were views. And I don't want you to go into it thinking you're about to do really big. But they only want one thing and they like one thing.

[Reyna]

I. That might be like the struggle that I've had with it though.

[Caleb Hammer]

Yes, that's what I'm saying. Are you finally coming around?

[Reyna]

It's hard for me to open up to like that. Like, I just want, like, I kind of like dress like a boyish kind of.

[Caleb Hammer]

Oh, you got. You got a baggy, baggy shirt. And I don't know, you're wearing some kind of short shorts.

[Brandon]

Like, that's not.

[Caleb Hammer]

I wouldn't say that was like a guy.

[Reyna]

It's a man's shirt.

[Caleb Hammer]

Yeah, but like also. But your thighs were showing, right?

[Reyna]

Yeah, it was because my tattoos. It was like, I like this.

[Caleb Hammer]

But if you lifted up the guy, sure. It would have been like booty shorts probably. So, like. No, I. I'd say you're still, you know, putting out there. You're putting out there. Casual girl.

[Reyna]

Oh, sweet. That's like my vibe.

[Caleb Hammer]

Exactly. But again, this is. Okay, sorry.

[Reyna]

Oh, okay.

[Caleb Hammer]

This is like. That's what's happening. I don't want you to expect that all of a sudden you're gonna do so good. And the only reason you're just around and being honestly an imbecile with you thinking you're understanding on the Internet right now. Your position on the Internet is because this sounds like this guy completely subsidized.

[Reyna]

No.

[Caleb Hammer]

And other people.

[Brandon]

And other people.

[Reyna]

I know how to get more famous.

[Caleb Hammer]

How? What's your strategy?

[Reyna]

I need to clip. I need to do my clipping.

[Caleb Hammer]

Yeah, but what's the content, asshole?

[Reyna]

Me doing good at valorant and getting better. And then also.

[Caleb Hammer]

No, she's done. She's. You haven't made a joke. We've been filming 42 minutes and I haven't heard a joke. Where's your funny? I haven't heard funny.

[Reyna]

It's just me.

[Caleb Hammer]

Okay. Wow. Classic. Attractive girls think she Is like top tier at everything. They think just because she's attractive, they want to.

[Reyna]

No, they don't. Not all of them. Majority of them don't.

[Caleb Hammer]

Yep. They're there for your personality and brains. Yeah, that's why your boyfriend's there subsidizing you too.

[Reyna]

He's not. I'd say because you're.

[Caleb Hammer]

Because of your valorant skills. What about your dad?

[Reyna]

Yeah, no, my dad's, like, paying for, like, my stuff. Like, anything.

[Caleb Hammer]

Still at 26, will you live with your boyfriend? You're pathetic. What is wrong with you? No, you're pathetic.

[Brandon]

Huh?

[Reyna]

Anything for me.

[Caleb Hammer]

And that's pathetic. That's pathetic.

[Reyna]

He just.

[Caleb Hammer]

That's enabling. Beyond enabling.

[Reyna]

So supportive of me being a streamer. Like, he just knows that I'm gonna, like, do. Do it. Do it.

[Caleb Hammer]

Well, does he know that you likely will need to sew cheeks to be famous?

[Reyna]

Do what?

[Brandon]

Dude, even the most. Even the successful women streamers that do

[Caleb Hammer]

content that isn't even sexual are showing cleavage and booty. Like, I'm sorry, all of them out there. I'm not. Who do we got? Senna, Pokimane, Emeru. All those stuff, huh? Amaranth? Well, yeah, but she's of. Those other ones aren't though, I don't think. But they're showing cleave and like, they

[Brandon]

got the booty show.

[Caleb Hammer]

Like, you don't understand this. How do you not understand the meta here?

[Brandon]

And I'm not even again, I'm not

[Caleb Hammer]

trying to sexualize you. I'm not saying do that. I just. You think you're going to be successful. Your dad thinks you're going to be successful.

[Brandon]

No, you're not. That's what it is. It's a bunch of gooners.

[Reyna]

They have to do that to be successful is what you're saying.

[Caleb Hammer]

Oh my gosh. If you look at the successful women, that's what they're doing. Unless there's an instance of someone I haven't heard of. Can you tell me that person? I'll look them up. Probably not. What do you think your financial score is? 0. 10. 0 being the worst, 10 being the best.

[Reyna]

Probably a 3.

[Caleb Hammer]

Okay. If you want your Hammer financial score, get it for free. Take the assessments, see where you stand in the world of money. At Caleb Hammer, it is free. Just takes a few minutes. And make sure to download the brand

[Brandon]

new and improve dollar wise budgeting app.

[Caleb Hammer]

Listen, this is literally March is the last month to get my budget friendly cookbook. Yes, you get a free trial, all that good stuff. But if you like it. Most people sign up for the annual version because they save 50%, and only through the end of March do you get my Budget Friendly Cookbook. And then it's going away forever. And I'll sign it mailed directly to you with our Budget Friendly Daily Meal Plan. That is brand new as well, so check that out. Dollarwise.com links in the description below. Let's get into this. Okay. You said you have collections? Everything's collections. This isn't collections, fucking moron.

[Reyna]

It is collections. Oh, except for the two credit cards that my dad gave me.

[Caleb Hammer]

That your dad gave you?

[Reyna]

Yeah.

[Caleb Hammer]

What do you mean? Hey, Gabe. What are you doing?

[Reyna]

I was. I have a mark from when I was wrapping cars and I got. Sorry.

[Caleb Hammer]

Does that hurt?

[Reyna]

Not really. It's just like, healing.

[Caleb Hammer]

Okay. You need a band Aid.

[Reyna]

No, it's not like an open wound.

[Brandon]

Okay. What the.

[Caleb Hammer]

Is going on with the City Diamond Preferred card? What do you mean? He gave it.

[Reyna]

Which one is that?

[Caleb Hammer]

Is that the one with the City Diamond Preferred card? I. It might be now, but at the point of the statement, it was 3844.33.

[Reyna]

Oh, yeah. It's like, at 5000 now.

[Caleb Hammer]

I even heard a sound from Colton. He didn't even know this. Kill me now. What are you doing? Why. Why is it 5,000? Pull it up. Pull it up on your phone right now. Right the now.

[Reyna]

Well, it's my dad. Right now. It's my dad's account. I don't think I can.

[Caleb Hammer]

What? It's. You're not even, like, an authorized user on it. This isn't even your debt.

[Reyna]

One.

[Brandon]

Oh, my God. It's the City Diamond Preferred card.

[Reyna]

I don't know which one that is. No, it's my debt. It's just my. Well, kind of. I mean, it's. I spent it, but it gets on my dad's card.

[Caleb Hammer]

Yeah. Are you an authorized user on this card?

[Reyna]

One of them. The other one. I'm not.

[Caleb Hammer]

How do you get. Tell me which one. Tell me which one.

[Reyna]

They're both city. I know. That one's a black card, and then the other one's blue.

[Caleb Hammer]

And which one is it? Which one are you.

[Reyna]

Oh, I'm authorized. On the black card.

[Caleb Hammer]

Do I have the other card?

[Reyna]

No. Cause he just gave it to me.

[Caleb Hammer]

So this is probably the one you're an authorized user on, then.

[Reyna]

Yes. Yes, yes. Yeah, you're right. Sorry.

[Caleb Hammer]

Your minimum payment is 450 bucks. Pull up the statement. Pull up the app on your phone. It's right. It's on there, right? Asshole. You pulled the statement? How'd you pull the statement? Or did your daddy do it for you? Did your daddy pull the statement for you?

[Reyna]

No, he didn't. You're pathetic.

[Caleb Hammer]

What is wrong with you?

[Reyna]

I'm not. It's my dad. He just helps me whenever I can. Oh, let me see.

[Caleb Hammer]

Okay, call your dad.

[Reyna]

I got.

[Caleb Hammer]

Call your dad right now.

[Reyna]

Are you sh.

[Caleb Hammer]

Am I sure? Yes. I'm not afraid of someone's dad. An E girl dad.

[Reyna]

I'm not an E girl. Do you want. Do you want me to do an introduction or you just want him? He's at work. He might not answer.

[Caleb Hammer]

Okay. Why is everyone might not answer with you?

[Reyna]

He'll call back though. I know for a fact.

[Caleb Hammer]

Told that to your brother too.

[Reyna's Dad]

Your call has been forwarded.

[Reyna]

You told my brother?

[Caleb Hammer]

Yes. So you can't even pull up the saving this six? Listen, this takes like 20 years to pay off. Now if you make your minimum, minimum monthly payment without purchasing anything, and I know for a fact you're purchasing.

[Reyna]

I don't even know how to make the payment.

[Caleb Hammer]

Does your dad pay for you just the minimum?

[Reyna]

I don't know.

[Caleb Hammer]

I need to talk to this guy. What the is going on here? How are you ever going to survive? You're just enabled. You're spoiled.

[Brandon]

You're such a.

[Reyna]

My brother texted back. He said he's in a meeting room.

[Caleb Hammer]

You're pathetic.

[Reyna]

No, I'm meeting. Dude, you're 26.

[Caleb Hammer]

You don't even know what your dream is. You have like five.

[Reyna]

I have so many. There's so many things that I want to do. One dream, being an automotive content creator and building cars.

[Caleb Hammer]

Building cars?

[Reyna]

Yeah.

[Caleb Hammer]

That is a niche. But you got to do something special because that niche is very solidified.

[Reyna]

I have pink hair. It's already special.

[Caleb Hammer]

I bet there's someone else out there.

[Reyna]

Well, yeah.

[Caleb Hammer]

You think you're the only pink haired girl?

[Reyna]

No, but it's just, you know, it's. It's my vibe. Oh, my brother's calling. Is it? You're gonna have to do the speaker thing.

[Reyna's Dad]

Hey.

[Caleb Hammer]

Hey, brother. She wants to day trade like you to make a living forever.

[Brandon]

How much money did you make?

[Caleb Hammer]

Day trading?

[Reyna's Dad]

Like yearly or like best day?

[Caleb Hammer]

Yeah. How much money did you make? Completely.

[Reyna's Dad]

I've kind of averaged right around 90 a year so far.

[Caleb Hammer]

Are you done? Have you quit? She said you quit. Why would you quit? I didn't quit.

[Reyna]

Oh, I thought she thought you quit.

[Caleb Hammer]

She thinks she's gonna be a professional day trader. She Wants to do futures.

[Reyna's Dad]

That's disgusting.

[Brandon]

Oh, what?

[Caleb Hammer]

That's how things. She thinks she's gonna make a living forever?

[Reyna]

Why is that disgusting? That's not disgusting.

[Reyna's Dad]

Just go trade crypto if you're gonna trade futures.

[Reyna]

Yes, yes.

[Caleb Hammer]

What do you day trade?

[Reyna's Dad]

Only blue collar, like over five hundred thousand dollar market cap options. So Facebook, Tesla, things like that. But I also have people sitting in my office right now, so I gotta go. I thought maybe someone died and that this was important.

[Caleb Hammer]

Well, it's more important, but thank you.

[Reyna]

Love you.

[Caleb Hammer]

Call your daddy back. He called.

[Reyna]

Here you go.

[Caleb Hammer]

I gotta talk to this.

[Reyna]

Hello?

[Caleb Hammer]

Hello, Papa.

[Reyna's Dad]

What?

[Caleb Hammer]

Hello?

[Reyna's Dad]

Hello?

[Caleb Hammer]

Hello, sir. I'm with your daughter.

[Reyna's Dad]

Oh, hi.

[Caleb Hammer]

How are you? Good. I'm doing wonderful. Why the are we giving her thousands of dollars of credit card usage instead of her growing up and getting a job?

[Reyna's Dad]

Because I ain't got a lick of sets.

[Caleb Hammer]

You have a lick of. Whoa. What's your sense?

[Reyna's Dad]

I don't. I don't have any.

[Caleb Hammer]

Oh, I agree. Thank you. Very good. Why do you want her to be a professional streamer?

[Reyna's Dad]

Listen, I thought it would be a good idea. She wasn't doing anything else. Why not stream? She's got the personality for it.

[Caleb Hammer]

I think that answers it, right? I think she needs to get a job. She's wrapping cars right now, but her income's so inconsistent.

[Reyna's Dad]

I agree. I agree with you on that one.

[Caleb Hammer]

Now why do you keep paying for her life? Because my big thing here is if we keep paying for her life, she's never going to feel the pressure to actually go do shit.

[Reyna's Dad]

Well, the credit cards is a big issue, but that's probably my fault. But she was out of power. What am I supposed to learn?

[Caleb Hammer]

Well, I don't. I don't know about that, but like ongoing. I mean, this is thousands upon thousands of dollars.

[Reyna]

Yeah, I max it out once.

[Reyna's Dad]

Yes, it is. Yes, it is.

[Caleb Hammer]

And honestly, with her spending, it's like her spending alone last month was in the thousands of dollars and this is what's being funded. Instead of her actually taking care of

[Reyna's Dad]

things she needs, then she's paying for that. What are you talking about?

[Caleb Hammer]

Is she going to pay for that?

[Reyna]

I don't know how.

[Caleb Hammer]

She says she doesn't know how she should.

[Reyna's Dad]

What do you mean doesn't? You just said she spent thousands dollars.

[Caleb Hammer]

Yeah, she says she doesn't know how she's gonna pay for it.

[Reyna's Dad]

What do you mean? What do you mean?

[Reyna]

I just. I don't know how to even make a payment on it.

[Caleb Hammer]

What kind of.

[Reyna's Dad]

What do you mean a payment? Did you get a loan?

[Reyna]

No, no, I think he's talking about the credit cards.

[Reyna's Dad]

You use the credit card for something else.

[Reyna]

Oh, yeah, the hotel. Yeah.

[Caleb Hammer]

Wouldn't she be able to use her own money for the hotel, though, if she wasn't spending thousands on. On a monthly basis? Doesn't it kind of offset that?

[Reyna's Dad]

Yeah, maybe like Starbucks.

[Caleb Hammer]

Yeah, Starbucks. She's a Starbucks.

[Reyna]

I have to have my Starbucks.

[Caleb Hammer]

She has to have herself.

[Reyna]

I don't overeat so much. Make it at home.

[Caleb Hammer]

I agree. My big fear, Father, is that she is literally never going to learn any life skills because she's being endlessly bailed out and enabled. And if she ever breaks up with this guy, which I hope they don't, she's just going to like, what is she going to do? Move in with you? Like, she's going to have nothing. She has no life skills.

[Reyna's Dad]

She'd be better off moving in.

[Reyna]

No,

[Caleb Hammer]

even. Way better off even just leaving her

[Reyna's Dad]

guy and moving in with you if something ever happened.

[Caleb Hammer]

I don't know.

[Reyna's Dad]

She's, you know, what she. What's she doing?

[Caleb Hammer]

Well, nothing.

[Reyna]

No.

[Caleb Hammer]

Her streaming right now is 15 viewers. She gets 15 viewers concurrent.

[Reyna]

I'm literally doing better. I'm getting more consistent. And he knows she's not listen.

[Reyna's Dad]

She doesn't listen on streaming.

[Caleb Hammer]

She doesn't.

[Reyna's Dad]

She doesn't stream consistently. She doesn't do the promoter stream and

[Caleb Hammer]

her tick tocks don't give views either. And she's posting a ton. Like, I'm. I'm just, I'm really scared. Are you wealthy, sir? No. That's my big fear. That's my big fear is just how much money is going to her. Like, you know, your princess, your special little princess when she's not doing shit.

[Reyna]

Yeah. And he's over here yelling at me and being mean.

[Reyna's Dad]

Who is?

[Reyna]

Caleb?

[Caleb Hammer]

Well, yeah.

[Reyna's Dad]

What do you mean you're yelling at her.

[Caleb Hammer]

Well, I'm yelling at her. She's kind of a bitch.

[Reyna's Dad]

And what do you do?

[Caleb Hammer]

I yell at people.

[Reyna's Dad]

For what? I mean, what do you do, though?

[Caleb Hammer]

A living.

[Reyna's Dad]

A living?

[Caleb Hammer]

Yeah.

[Reyna's Dad]

What does that mean, a living?

[Reyna]

Like, what do you mean?

[Caleb Hammer]

I yell at people for a living on camera.

[Reyna's Dad]

You yell at people for a living on camera?

[Reyna]

Yeah, but he doesn't want me to

[Caleb Hammer]

stream well, because you get 15 views a stream. It's time to move on and get a job.

[Reyna]

I'm gonna get more, though. I'm gonna grow.

[Reyna's Dad]

You can get more viewers.

[Reyna]

See.

[Caleb Hammer]

Well, unfortunately, if I'm being honest, I like it's. Hard telling the father this, but there's really only one way for it just sucks in the niche that she is in. I mean, it's. It's cleavage and booty.

[Reyna's Dad]

No, listen, you're a liar and a. All right. And not necessarily enough either.

[Caleb Hammer]

Okay, But I'm in the world of content creation. I know the popular streamers. In fact, they're all here in Austin, Texas, where we are. They. All the women, they're not creators. They don't have. They're not doing that. But they're showing a lot of cleavage in. But on stream. And those are the only ones who are successful. I don't want her to do that. I'm actually telling her I do not want her to do that. But the thing is, because she doesn't do that, she's probably not going to

[Brandon]

be successful, and that sucks.

[Reyna's Dad]

Yeah, I don't want her to do that either.

[Brandon]

And so she's probably not going to be successful.

[Reyna's Dad]

Well, if you got a better idea, let me know.

[Caleb Hammer]

Yeah, she needs to go get a job.

[Reyna's Dad]

Well, she doesn't like school. Where do you want her to get a job at? She won't listen to me.

[Caleb Hammer]

Okay, if she wants to. If she's not listening to you, never listens to you. Never give her money again.

[Reyna]

Wait, maybe we wait a little bit on the never give her money again thing just so I can at least have a chance for the streaming bullshit.

[Reyna's Dad]

You listen, you tell me, oh, can I. Can I borrow 300? I'll pay you back. I never see that money ever.

[Reyna]

I haven't. I've been paying the bills when I can and it's hard to pay it back.

[Caleb Hammer]

And who.

[Reyna's Dad]

Why does she need two phones?

[Brandon]

Why.

[Reyna's Dad]

Why the does she need two phones and I'm paying for one. $135 a month.

[Caleb Hammer]

One great question.

[Reyna]

One's my content work phone, and then my other is my personal phone.

[Reyna's Dad]

Oh, that's bullshit.

[Caleb Hammer]

And let me just tell you, father of her. I have a massive content creation business. I have one phone.

[Reyna's Dad]

See, Exactly. I got one phone.

[Reyna]

You don't livestream, though. Yes, we do, but you have like a whole setup. You don't, like, do a mobile livestream where you have to, like, have a phone, like in your hand, like listen to your music, use your maps, and then also a phone that you can stream on.

[Caleb Hammer]

Okay, listen, I know, I know you had to bribe her to finish high school by buying her a car. Maybe we can come together and bribe her to start a career.

[Reyna's Dad]

Well, she needs to pick a Career.

[Caleb Hammer]

I agree. She wants a career. She wants to work in automotive. Like she was an assistant manager at something automotive and she was making $50,000 a year. And I want her to dig in there and move up, but she says I don't like working 60 hours a week.

[Reyna's Dad]

Oh, my God. Whatever. Yeah, well, you have to sometimes.

[Reyna]

But I don't have to.

[Caleb Hammer]

Yes, you do.

[Reyna's Dad]

You do. You can't. You can't depend on me forever.

[Brandon]

I'm not.

[Reyna]

I'm just going to. It's. It should. It should probably take me maybe another year to get where I want to be, social media wise. And then I will have money and I'll take care of the family.

[Reyna's Dad]

What family?

[Reyna]

You.

[Reyna's Dad]

What family? Because the last thing you need is a kid.

[Caleb Hammer]

She said you.

[Reyna]

Oh, no, no, no. You.

[Reyna's Dad]

You're not gonna take care of me. I take care of myself.

[Reyna]

But if I was a millionaire from crypto and day trading.

[Caleb Hammer]

Okay, okay. Yeah. Like her brother. She thinks she's gonna day trade her way into a million bucks.

[Reyna's Dad]

I know, I know. But he. I don't have to worry about.

[Caleb Hammer]

Yeah, I agree. All right, sir, I appreciate your time.

[Reyna's Dad]

Well, thank you very much. And I hope you have a great day.

[Caleb Hammer]

Maybe talk some sense. I'll try. I love that man. He is a hero. I love him. I need to see a picture of him right now. They're not going to see. I need to see what this guy looks like. He is a hero. And what does he. How does he know about streaming?

[Reyna]

He streams.

[Caleb Hammer]

What? He's a streamer, so.

[Reyna]

Yeah. Yeah. Successfully, According to your standards. No.

[Caleb Hammer]

Well, what's his average viewer count?

[Reyna]

Like four, maybe five.

[Caleb Hammer]

Well, he's doing it for fun, though, right?

[Reyna]

Yeah. Yeah.

[Caleb Hammer]

I love this man. I'm sorry. Can we shout him out? Can we put him in the description? Yeah, he's great. Go follow him at Rut Row. Ruh R U T T R O W her. She doesn't get a call out. But this guy gets all the call out. R U T T R O W on Twitch. I love this man. He's a hero. He's a king. What does he do for a living? Well, you cipher.

[Reyna]

He's a safety supervisor.

[Caleb Hammer]

Yeah, that's explains all the beeps. That dude's out there grinding and beating pavement and you're being a bitch and beating meat for your rent. I your boyfriend.

[Reyna]

I'm not.

[Caleb Hammer]

Come on. He subsidizes everything. Come on.

[Reyna]

It's more my dad. I make about the same as my boyfriend. We make about the same.

[Caleb Hammer]

What you said he does. Well, you make a few hundred bucks a month.

[Reyna]

He does when he has, you know, people coming into the studio.

[Caleb Hammer]

So I don't even know what racked this up. You said a hotel, but a hotel doesn't cost $5,000.

[Reyna]

No, it was a hotel. An Airbnb. Well, that was after the. After what's on here right now that you see.

[Caleb Hammer]

So what got up to that?

[Reyna]

Like, just random stuff like food, clothes, a couple items for my streaming equipment.

[Caleb Hammer]

Cause they show me a picture of your boyfriend again. They will not see. I will see.

[Brandon]

Okay, Starbucks is bull and a waste of money. And you already know that by making your coffee at home and in the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving.

[Caleb Hammer]

And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show Fat and Fatter. The number one ranked energy drink is Gaming sauce. Literally the cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10% off your order at gamersupps gg

[Brandon]

or click that link in the description below.

[Caleb Hammer]

Type in code Caleb I am so excited for you guys to finally get

[Brandon]

your hands on what I've been working

[Caleb Hammer]

on for a year. The brand new dollar wise budgeting app.

[Brandon]

And listen, I get it, the first iteration was a disaster.

[Caleb Hammer]

Many reasons from working with an external agency to shit infrastructure that I could use. But let's be honest, that was on me. So I put my money where my mouth is. And after investigating millions of dollars and hiring dozens of people, we've completely rebuilt Dollar wise and it is truly incredible.

[Brandon]

And to celebrate, I am giving you

[Caleb Hammer]

some insane deals to sign up for

[Brandon]

the first time or trying it again

[Caleb Hammer]

after you used the shitty version last year. But these deals only last through March 31st and then they're gone forever.

[Brandon]

Download now, take your free trial to test it out and get the monthly plan at a 33% discount for three months. Or take the annual plan for an entire insane 50% discount. And with the annual, you get my budget friendly cookbook signed by me and my brand new 30 day detailed budget meal plan signed by me as well. Both of them mailed directly to you. But after March 31, the cookbook is gone forever.

[Caleb Hammer]

So this is literally your last chance to get it. And if you're feeling extra sexy, become

[Brandon]

one of the founder 500 purchasers to get my Founder box featuring a bunch

[Caleb Hammer]

of goodies plus lifetime access to the premium Version of Dollawise. Don't miss any this opportunity of a lifetime.

[Brandon]

Download Dollar Wise and start your free trial.

[Caleb Hammer]

Go to Dollarwise.com or click those links below.

[Reyna]

Just here. Here's his Instagram.

[Caleb Hammer]

Oh, yeah, you're dating. Okay, she's dating this stereotypical, like, dude with a ball cap. I get it. Handsome looking dude. He pays your bills. He's a wannabe singer, isn't he?

[Reyna]

He's really good. Oh, he's really good.

[Caleb Hammer]

Yeah. Him and his 15, 000 followers.

[Reyna]

Yeah,

[Brandon]

I don't even mean to on the followers.

[Caleb Hammer]

It's like you just can't tell me that they're like. You're trying to advocate that he's successful. No, unfortunately, no. I hope he is at some point, but he's not.

[Reyna]

Oh, he's gonna make it.

[Caleb Hammer]

I hope so. I'm rooting for him.

[Reyna]

I have more confidence.

[Caleb Hammer]

I think you're just attractive. Everyone's more confident than in everyone's skills than yours. Listen, the thing is, you like him because he's hot, because he pays the bills.

[Reyna]

No.

[Caleb Hammer]

So you suck his dick and then you stay good. And then your dad funds the rest. Had hundreds of dollars in interest. What the. Brought it to 3,800 before you had to put a hotel and on here.

[Reyna]

Just like lifestyle things like drinks, clothes.

[Caleb Hammer]

Pathetic.

[Reyna]

Just, you know, the average girly thing. Slashes.

[Caleb Hammer]

So is this a repoed car?

[Reyna]

Oh, yeah, but that was great. That's 100% a good thing that. That got repoed.

[Caleb Hammer]

What you still owe on it, it's on your Credit.

[Reyna]

Not that much.

[Caleb Hammer]

7294.

[Reyna]

Yeah, not as much.

[Caleb Hammer]

49. Sorry.

[Reyna]

Yeah. You know how much I owed when it got repoed? Yeah, exactly. It was almost 30,000.

[Caleb Hammer]

Well, why'd you get. Why'd you have a car get repoed? And when?

[Reyna]

Because I couldn't afford it.

[Brandon]

When. Why'd you get a car you couldn't afford for?

[Reyna]

June of last year? I had it for about a year.

[Caleb Hammer]

Oh, my goodness. Your dad's giving you his car now?

[Reyna]

Yeah.

[Brandon]

Oh, why does he do this? Why does he do this?

[Caleb Hammer]

Oh, how many kids does he have? How many siblings you got?

[Reyna]

Well, on my dad's side, I have one sibling.

[Caleb Hammer]

The guy that I talked to.

[Reyna]

Yeah.

[Caleb Hammer]

So one's successful, and then he thinks he just needs to take care of you. Oh, this poor guy. This poor guy.

[Reyna]

I'm successful, too.

[Caleb Hammer]

Poor guy. And it just takes day trading. Works until it doesn't. I'm so. I'm so nervous for your dad and his Kids. How old's your brother?

[Reyna]

27.

[Caleb Hammer]

And how long has he been day trading?

[Reyna]

A couple years. A good amount of years.

[Caleb Hammer]

Yeah. It's gonna be interesting watching him trade a down market. We'll see. Or sideways. Even worse.

[Reyna]

But yeah. No, the car was. That was a 25 APR and it was 763amonth.

[Caleb Hammer]

Why'd you get it?

[Reyna]

I sold the Mustang and I was

[Caleb Hammer]

like, why'd you get it?

[Reyna]

For traveling so I could drive further. I wasn't. The Mustang was a fast.

[Caleb Hammer]

Why a card you couldn't afford though?

[Reyna]

It was a really nice car. What was it fit me. Yes, it was a 2018 Honda Accord. And it was cute.

[Caleb Hammer]

Is that a really nice car? I'm not sure.

[Reyna]

To me, it's a really nice car.

[Caleb Hammer]

Honda's good.

[Reyna]

It's cute. It fit me.

[Caleb Hammer]

How long did you have it before it got repoed? Dude, this year. Stupid. And when did it get repo?

[Reyna]

June of last year. You're pathetic.

[Caleb Hammer]

I mean, I take care of you, your boyfriend takes care of you, and yet you still get something you can't afford and he gets a repo.

[Reyna]

Well, that was before, like I had money.

[Caleb Hammer]

What's your dad think about this?

[Reyna]

About what?

[Caleb Hammer]

Your car getting repoed, asshole.

[Reyna]

We knew it was going to happen because I stopped paying it for like three months.

[Caleb Hammer]

Your dad was okay with it?

[Reyna]

I mean, yeah, he was like, just file bankruptcy after they take it.

[Caleb Hammer]

Have you?

[Reyna]

I worked. I met with a lawyer.

[Caleb Hammer]

You already have.

[Brandon]

Obviously it's your spending and your lack

[Caleb Hammer]

of income that is leading to this.

[Brandon]

Not stop needing to go through bankruptcy.

[Reyna]

Dude, I didn't start the bankruptcy. I was going to when I owe before they auctioned off the car after repoing it.

[Caleb Hammer]

But now that I'm sure Dad went through bankruptcy before. That's why you think it's. Listen, bankruptcy is not inherently the worst thing in the world. Okay, if you. For a bit. And it's not cheap and it is a bit stressful.

[Brandon]

But the thing is, it doesn't actually fix your behavior. And obviously what has gotten you into

[Caleb Hammer]

this is you don't pay your bills, you prioritize fun. You prioritize wanting to be famous. You'll never be famous. Golf. This is the most views you'll ever get in your entire life, including that viral thing you got before. And guess what? Yes. What? How? Dude, I saw this shorter 750,000, like

[Reyna]

500 million views across all platforms.

[Caleb Hammer]

Well, we'll see then. Probably not then, but even still, nothing resulted from that successfully for you and Nothing will result from this because no one knows who you are. Hopefully your dad gets some views because I love your dad. Yes, you do.

[Brandon]

You have nothing to do.

[Reyna]

I need it from you. I need financial help from you. Not the exposure.

[Brandon]

Financial help is you need to get a job and not bankruptcy. Because bankruptcy doesn't fix your behavior.

[Caleb Hammer]

More on. You'll be going through bankruptcy again in four years.

[Reyna]

It's more so about fixing, like my credit history. That's why I wanted to do the bankruptcy. Because my history.

[Brandon]

Maybe, but you'll end up right back where you were without fixing your behavior

[Caleb Hammer]

is what I'm trying to tell you.

[Brandon]

It's happened on the show multiple times.

[Caleb Hammer]

Multiple times with bankruptcy. Oh, my goodness. Yes. Yes. Oh, yes. So what is this? This is a collections of.

[Reyna]

Oh, I know what that is.

[Caleb Hammer]

Oh, $4,686.

[Reyna]

Yes.

[Caleb Hammer]

Okay. This, like, just hit it.

[Reyna]

Just hit.

[Caleb Hammer]

I don't know. Okay.

[Reyna]

No, that was when I was like 19, I think 20, maybe.

[Caleb Hammer]

I don't know about this. What was this?

[Reyna]

That was. I was studying to become a personal trainer.

[Caleb Hammer]

Are you even that?

[Reyna]

No, I also took a real estate class.

[Caleb Hammer]

You have abs.

[Brandon]

Do you have anything?

[Reyna]

No, I used to. I don't go to the gym anymore.

[Caleb Hammer]

Yeah, but.

[Reyna]

Yeah, no, I've tried to figure out other things. Cause I was like, oh, real estate. Oh, personal. Finish training. But then I just did.

[Caleb Hammer]

So you took a loan and then

[Reyna]

you dropped out of the fitness training.

[Caleb Hammer]

You're too ecstatic.

[Reyna]

What the. I never finished the class for the fitness training for the real estate. I didn't take a loan, but I did finish the.

[Caleb Hammer]

There was a real estate one.

[Reyna]

Yeah, I took the class.

[Caleb Hammer]

Did you try to do every white girl thing? And yet you complete nothing ever. Pathetic. That's legitimately pathetic.

[Reyna]

That's the beauty of it, though. It's like I get to experience.

[Caleb Hammer]

What are you talking about, beauty?

[Reyna]

I get to experience a lot of different things and figure out what I really want to do.

[Caleb Hammer]

And I have to get paid for by daddy. And dude, this is the automotive is

[Reyna]

where I'm landing, you know?

[Caleb Hammer]

Yes, except not really, because you're not doing anything.

[Reyna]

I'm wrapping cars.

[Caleb Hammer]

Yeah, but it's off and on. And who even knows? Who even knows you're getting your contracted out, man? Listen, you can use a fizz card. It's a debit card that builds credit. If you care about your credit, at least it doesn't allow you to spend more than what's in your checking account, so that helps.

[Reyna]

Oh, okay.

[Caleb Hammer]

And of Course use the dollar wise budgeting app and the master money program will put you. And that's our educational program. What a joke. Okay, so what is you fan one of my you. You uniform?

[Reyna]

No idea. Not a clue. But how much is it?

[Caleb Hammer]

$759 and 8 cents.

[Reyna]

That could be the after pay. It could be.

[Caleb Hammer]

So this is collections?

[Reyna]

Yeah, that's collection.

[Caleb Hammer]

Oh, my. What is wrong with you, dude? You're broken. You've just been going into collections for years.

[Reyna]

A lot of this is from when I was like 19. Like I was coaching everything.

[Brandon]

Not the repo.

[Reyna]

Not all this. No.

[Caleb Hammer]

But you're told it's either alter or Victoria's secret. You're gonna need a lot more of that up here.

[Reyna]

Oh, the. Yeah, yeah, I know it's bad.

[Caleb Hammer]

It's not that bad. I'm aiming on you.

[Reyna]

Oh, no, it's okay.

[Caleb Hammer]

I mean, it's fine.

[Reyna]

I'm.

[Caleb Hammer]

If you want to protect yourself.

[Reyna]

Yeah.

[Caleb Hammer]

Did you get a 4 Botox? I could objectively not.

[Reyna]

It's not that expensive.

[Caleb Hammer]

But you can't afford anything. You're borrowing from dad for everything.

[Reyna]

Well, not for everything. I pay majority.

[Caleb Hammer]

Give me your biggest scrunch.

[Reyna]

No. Hell no. I'll give you a nose scrunch.

[Caleb Hammer]

Oh, that was big. You already did it.

[Reyna]

Yeah. That's bad.

[Caleb Hammer]

Just lucky. My head doesn't really do that. I go here.

[Reyna]

Do you have Botox?

[Caleb Hammer]

No, my head just doesn't do that.

[Reyna]

How did you not do that?

[Caleb Hammer]

No, I scrunch here. I have a line here. And I have aggressive smile lines and eyelines. But so do you. So you just get them everywhere?

[Reyna]

Yeah.

[Caleb Hammer]

You're gonna be old, dude.

[Reyna]

Don't tell me you're white.

[Caleb Hammer]

As you are gonna age like cancer.

[Reyna]

No, I'm literally. I am going to get Botox. Okay. In the forehead.

[Caleb Hammer]

Yeah, it's gonna.

[Reyna]

But no filler. No filler.

[Caleb Hammer]

Retinol. Botox ain't gonna do shit for you. You're gonna ache.

[Reyna]

I don't think so. I'm gonna go to an esthetician, like, immediately.

[Caleb Hammer]

You wear sunscreen every day, right?

[Reyna]

No.

[Caleb Hammer]

Oh, you're.

[Reyna]

I go to the tanning bed.

[Caleb Hammer]

You're. Oh, shit. She's gonna. She's gonna look like. You're gonna look like the president in a decade from now.

[Reyna]

No, I don't tan that much.

[Caleb Hammer]

I don't know. But your skin.

[Reyna]

Oh, okay. All right. Dermatologist visit immediately.

[Caleb Hammer]

It's got a lot more than that. And you've already up some of your big years. Resurgent what is this? 644. Oh my goodness. $644.19.

[Reyna]

Oh wait, is that from the.

[Brandon]

I don't know what it's from.

[Reyna]

That might be the. I don't know what it's from either. It's either car insurance or credit card.

[Caleb Hammer]

I don't know. But you can make a Lower payment of 5:47 to just pay it off.

[Reyna]

I never really have. Oh, I do have.

[Caleb Hammer]

I'll just put that down. 547. Oh, we don't even know what this is for. Let's see. Oh, oh, this is from Self. The Self the lending.

[Reyna]

Yeah, it could be

[Caleb Hammer]

pathetic. Your entire life is pathetic, dude. Okay, 644. I'm assuming this is another collections.

[Reyna]

What is it?

[Caleb Hammer]

Let's see. What was this? I don't. It's just credit one.

[Reyna]

Oh, credit card.

[Caleb Hammer]

I. Yeah, yeah, yeah it is. Yeah, dude, credit once fucked. That's when you know you're the worst finances in your credit ones and collections.

[Reyna]

Oh, there's a.

[Caleb Hammer]

You're aggressively the worst, huh?

[Reyna]

There's a premier one in there too.

[Caleb Hammer]

Okay, this is obviously collections. This is a picture from mail.

[Reyna]

Oh, that one I think is the car insurance.

[Caleb Hammer]

Car insurance you weren't paying. Yeah, dude, you are the worst of the worst.

[Reyna]

The car insurance. That one was from the Mustang though. And that was.

[Caleb Hammer]

You're the worst of the worst ever. You're the worst of the worst ever.

[Reyna]

I'm not the worst. There's. I'm doing so much better than a lot of other people.

[Caleb Hammer]

Yeah, you're not homeless. You're literally taking a dude's pee pee for a roof over your head.

[Reyna]

I have. I don't have that much debt though either.

[Caleb Hammer]

No, you have a lot of debt.

[Reyna]

It's 20,000.

[Caleb Hammer]

You're right. If people have student loans and mortgages, it's higher. But you have a lot of debt and it's all. You're horrible. Objectively horrible. Car insurance is crazy. We'll keep going. Oh, this is for a first premiere.

[Reyna]

Yes. Yeah. Nobody else would approve me, so I applied for that one and then I

[Caleb Hammer]

got it and I was in collections.

[Reyna]

Yes. It was my grocery card.

[Caleb Hammer]

This is pathetic. There's no other word to use for you than pathetic. It really is.

[Reyna]

It's not that bad.

[Caleb Hammer]

$593. It's really bad. Not paying your car insurance is really bad. Taking money from your dad who works his ass off out on the field on a daily basis. Not field, but like sites and whatnot. Dude's grinding goose. Grinding his hands are rusty. And you're taking money from that guy. Racking up his credit cards. You're a joke. You are sad. You are pathetic. You are a waste of human civilization. And the fact that we gave you a tax refund when you haven't paid the last four years of taxes is also a joke. I'm writing my millions of dollars of taxes for you. You.

[Reyna]

I paid your extra into taxes, though, when I. From that job when I was doing these.

[Caleb Hammer]

You're horrendous. You're horrible. You're a bad person and you're mean. Yeah, to bad people.

[Reyna]

I'm not a bad person. I'm just.

[Caleb Hammer]

You're a bad person. You're abusing your relationship with your boyfriend and father. Yes, you are. Yes, you are.

[Reyna]

No.

[Caleb Hammer]

Yes, you are.

[Reyna]

That was my boyfriend.

[Brandon]

Yeah, you take his dick and you

[Caleb Hammer]

use them for all the bills. Let's be honest.

[Reyna]

I pay my part.

[Brandon]

No, you. It's impossible. You don't bring in money that is,

[Caleb Hammer]

like, literally not mathematically possible.

[Brandon]

Or the only way you do is by borrowing money from dad, who's out there working. And it sounds like he doesn't have

[Caleb Hammer]

anyone to go home to, does he?

[Reyna]

He's got a wife.

[Caleb Hammer]

Oh, yeah.

[Reyna]

Together. That's a. That's a long story. I don't know.

[Caleb Hammer]

Short version. Why?

[Reyna]

I don't know. She has her own company, and so

[Caleb Hammer]

she's go home and grind on Twitch.

[Reyna]

Yeah.

[Brandon]

You want to deal with his bitch daughter? Her failed daughter.

[Reyna]

I'm his favorite human in the world, and we play Fortnite together on his stream and we do things like that. So, yes, he talks to me every single day. And he loves me.

[Brandon]

I'm not saying he's not a loving father.

[Reyna]

He's the best.

[Caleb Hammer]

He's being horrible to your actual improvement of a human being, though. Pathetic. Pathetic.

[Brandon]

Pathetic.

[Caleb Hammer]

What is this? Balance of 34 bucks? You couldn't even pay this.

[Reyna]

What is it? Oh, you don't know? I don't know why I'm asking you.

[Caleb Hammer]

Professional clinical laboratories, I'm sure you need a lot. Oh.

[Reyna]

Oh, yeah.

[Caleb Hammer]

Did they learn what was wrong with you ever?

[Reyna]

No. No, I. Before we figured out, I went. I lost the.

[Brandon]

Figured out what?

[Caleb Hammer]

Your brain. That's what I'm trying to say.

[Reyna]

Oh, no.

[Caleb Hammer]

What are you saying? Your white cell blood count.

[Reyna]

No.

[Caleb Hammer]

You got aids?

[Reyna]

No, I. They were trying to figure out. They thought that I had this blood cancer and then it was a whole thing and I do.

[Brandon]

Yeah, because that would save your dad

[Caleb Hammer]

a lot of money.

[Reyna]

No, I don't have it. I had to get Gene testing for it. But that's good.

[Caleb Hammer]

I'm glad you don't. Okay, so for this test, which is in collections. Right? Right. Is it?

[Reyna]

Yes. Yeah.

[Caleb Hammer]

Dude.

[Reyna]

I just. I. I don't understand how medical bills work when you know you have insurance and then all of a sudden you

[Caleb Hammer]

get paid Co pays and. Or if the insurance doesn't cover. What do you mean?

[Reyna]

Why don't you pay it when you get there?

[Caleb Hammer]

Learned anything? You have access to every search search engine to learn anything you want. I don't understand how the works. Learn. $163.38. All that in collection. So stupid. Okay, this one's even more. $73.70. Why did you not pay this? I don't even know what it's from.

[Reyna]

I don't. What? Oh my goodness.

[Caleb Hammer]

What is wrong with you? Why couldn't you even pay this? Then Daddy bails you out.

[Reyna]

Oh, he's never paid like any of my collections or anything like that.

[Brandon]

Yes, but he pays for your life.

[Caleb Hammer]

Well, you're not paying for collections. You're pathetic.

[Brandon]

Okay, cash app.

[Caleb Hammer]

Borrow. You owe 303.

[Reyna]

Yeah.

[Caleb Hammer]

Is that in collections or.

[Reyna]

No, no.

[Caleb Hammer]

Pull it up. Finally, something that's not.

[Reyna]

I don't even know if that can go to collections.

[Caleb Hammer]

303.03. Give it to me.

[Reyna]

I gotta get to the account.

[Caleb Hammer]

Tit. How do I get to the debt? I don't. I don't use this shit. Your dad texted. Sorry. Someone hit a building and it's been hectic. Oh, why? Is it because he crashed out of me? Is that why he's up saying that? No, no. You got kicked out. What do you mean you got kicked out? You're unable to borrow. You got kicked out?

[Reyna]

Well, yeah. You have to pay it back before you can borrow again. That's how it works.

[Caleb Hammer]

No, your account's suspended.

[Reyna]

Oh, I have another account. So. Not that I borrow. I don't borrow on that account. That's just used for. Whenever people want to send me money for streaming. They just cash at me sometimes. Or they'll send me a cash app and they'll be like for Starbucks in the morning.

[Caleb Hammer]

Parking tickets. Tickets. Eleven thirty two dollars.

[Reyna]

Yeah, parking tickets.

[Brandon]

What is wrong with you?

[Reyna]

Parking's expensive.

[Caleb Hammer]

Why can't you do anything, man? Oh, there.

[Reyna]

Okay, so it's really expensive.

[Brandon]

Yes, kind of a little.

[Caleb Hammer]

But not paying them is even more. Here's one. 39. Here's one. 39 dollars. Is wrong with you? 40 dollars for this one. What is wrong with you? 40 dollars for THIS? Why? Why can't you do anything?

[Brandon]

40 dollars

[Caleb Hammer]

75. Cuz your fee. 1355 and 55. 147 55. 25 times 2. What is wrong with you? You're pathetic, dude. You're seriously pathetic.

[Reyna]

No, it's parking.

[Brandon]

Why are they paying for parking?

[Caleb Hammer]

Just pay $17. Paying for parking? Because it's literally space that could be used for multiple things. Why should your parking, your vehicle be subsidized by the rest of us? You.

[Reyna]

It's a private company.

[Caleb Hammer]

Huh?

[Reyna]

It's like a private company. It's not like the cities paying.

[Caleb Hammer]

Okay, then they own the space that they get to charge what they want to.

[Reyna]

Okay, well then private company. Where in the city that I live in?

[Caleb Hammer]

Okay, good. Then yes, pay that. They own the property. They get to charge that so expensive. Then don't park there.

[Brandon]

Where else?

[Reyna]

Somewhere else to park.

[Caleb Hammer]

Oh, there's always somewhere else to park.

[Brandon]

Shut up.

[Caleb Hammer]

Nowhere free that you have to park extra far for. Somewhere free but even still pay on the street. Dude. You. We should not be subsidizing you your vehicle storage. To be clear, that's your choice to have vehicle number two. It's a private company. Yes, they are going to charge money, dumbass.

[Reyna]

It's expensive. It's so expensive.

[Caleb Hammer]

You're pathetic. This checking account. Instacart. You're paying for instacart? No. Withdraw. Were you running Instacart? Instacart. Withdraw.

[Reyna]

Instacart.

[Caleb Hammer]

No. You paid for Instacart? No, I was paying for instacart.

[Reyna]

I was doordashing.

[Caleb Hammer]

You're paying for instacart. Go get your groceries. You do nothing all day. You're fucking.

[Reyna]

I work all day.

[Caleb Hammer]

Pull up your Apple trading view. She's doing it. Oh, she's doing it. You're. You're trying. Are you paper trading right now or real money trade?

[Reyna]

I was paper trading. I have $20.

[Brandon]

No, please. You can't.

[Caleb Hammer]

You ain't your brother. You're. You're literally a moron. You don't know what you're doing. Stop. No.

[Reyna]

What did you want me to pull up Walmart?

[Brandon]

Just open your damn phone.

[Caleb Hammer]

Piece of.

[Brandon]

Open it.

[Reyna]

It was open.

[Brandon]

Open it again.

[Caleb Hammer]

Started with $14 in a checking account.

[Brandon]

Got bullshit McDonald's twitch. You're paying Twitch?

[Reyna]

Yeah, That's a tax write off you

[Brandon]

tax rent if you don't make money to pay taxes.

[Reyna]

So I shouldn't have to pay my taxes? Oh my goodness.

[Caleb Hammer]

You'll have To. You have to file. You have to file.

[Reyna]

But if I don't. If I'm not making that.

[Brandon]

You have to file.

[Caleb Hammer]

Kuo, formerly open phone.

[Reyna]

Oh, that was before I got the second phone. And I was like, I'm gonna have a business number.

[Caleb Hammer]

And she has three Twitch subscriptions currently. Video AI. Is that InVideo AI? Video AI.

[Reyna]

I don't know what that is.

[Caleb Hammer]

Woofs. Puppy and dog training.

[Reyna]

Yes, I have a Doberman.

[Caleb Hammer]

Oh, no, you can't afford that. Starbucks. Vape zone. Vape zone. Yeah. Look at you. Failure. Disgusting.

[Reyna]

I vape.

[Caleb Hammer]

Pathetic. Yeah, you're disgusting. Yeah, of course you're disgusting. You're disgusting. You're a failure. You're gonna kill yourself. Twitch, twitch, twitch. You thought you had canceled. Well, you will now. Reverse phone dot com. Looking people up.

[Reyna]

Yes.

[Caleb Hammer]

Why are you looking people up?

[Reyna]

Because I was having a lot of people call me and it turned out to be one of my brothers. I was like, oh, I didn't have his number.

[Caleb Hammer]

You. You are the most literally person I've ever met. You seriously are uber. Twitch. You're uber. And fuck you, Pet smart. Pet smart. Pet smart. McDonald's. Vape zone. Vape zone. Vape zone.

[Reyna]

Okay, not all the vape zone is me.

[Brandon]

Nord ashy tacos. Uber, Uber eats. You getting some bullshit. Fuck you.

[Caleb Hammer]

Oh, pathetic. This is so stupid. Luma stream.

[Brandon]

Twitch, twitch, twitch, twitch.

[Caleb Hammer]

You're super chatting like crazy. Tap stitch print full. You tap search uber, uber, ulta password.

[Brandon]

Michaels.

[Caleb Hammer]

McDonald's, Papa John's. Sally Beauty ain't covering those lines.

[Brandon]

Prime video channel. Shopify, McDonald's, McDonald's, Petsmart. Crypto.com, what are you doing?

[Caleb Hammer]

Crypto dot com.

[Brandon]

You have $20,000 of debt. Crypto dot com.

[Caleb Hammer]

What are you doing?

[Reyna]

Crypto is.

[Brandon]

What are you doing? Huh?

[Reyna]

The crypto wasn't me. Any of the crypto charges. Is not.

[Caleb Hammer]

Who is it?

[Reyna]

It's my boyfriend.

[Caleb Hammer]

Oh, my God. What is wrong with you guys? This. This household needs to be burned down. We need to kick you out of this country, Publix. Yeah, well, it's $12. I don't have groceries. Sending out $400 more. Crypto.com. 50 bucks. What was he doing? We'll talk about him more in the post. Show. Crypto dot com. Uber, Starbucks, Metro restyling. Starbucks, prime video. Starbucks.

[Reyna]

The Metro restyling is my work stuff.

[Caleb Hammer]

McDonald work stuff. You don't fucking work a day in your life. Zillion out a shit ton of money. Chick fil. A phantom, Phantom, Phantom, Phantom. 50 bucks.

[Brandon]

Oh, 50 50.

[Caleb Hammer]

50. 50. We'll talk about this in the post show. Uber Starbucks. She wants to keep the private stuff about her relationship in the post show. So the post show is going to be crazy. $30,000 on one set of extensions.

[Brandon]

Oh, it's $3,000 on a set of extensions.

[Reyna]

This is the second time I got extensions.

[Caleb Hammer]

You need to just.

[Reyna]

The first time it was a thousand.

[Caleb Hammer]

Just stop off. You're nothing. $2 in our fidelity.

[Reyna]

Yes, my fidelity.

[Caleb Hammer]

Golf. Cough. Pathetic. Golf. You. You. It's not you, you, you. What's your portion of rent? You.

[Reyna]

Oh, 1900 divided by two.

[Caleb Hammer]

Can't even say what your income is. I'm going to say 2000. You're not sending enough money because your contractor. You need to set aside 25 for your taxes. At a minimum, I'm going to say a thousand. 750. Good. The. The luck. What is there even a budget here? What's your portion of rent?

[Reyna]

Half of 1900.

[Caleb Hammer]

Your portion's 1900?

[Reyna]

No. Half of 19. I don't know what that is.

[Caleb Hammer]

950. What about your portion of utilities?

[Reyna]

Like 100.

[Caleb Hammer]

Internet as well.

[Reyna]

120.

[Caleb Hammer]

You pay 120?

[Reyna]

Well, every month is kind of different. Sometimes I do.

[Caleb Hammer]

Well, I'll put an extra 60. I'll put 60 then. Phone bill, Daddy.

[Reyna]

Probably 60. I pay for my iPhone.

[Caleb Hammer]

Use helium. Use helium. It's 15 bucks a month. T. Mobile towers. I'm sure that's good in Central Tennessee. Gas. Vroom, vroom. Drive. Drive. How much a month?

[Reyna]

I'd say 100.

[Caleb Hammer]

Car insurance?

[Reyna]

I don't have a car.

[Caleb Hammer]

Yeah, Daddy's giving that to you. Your car insurance. I'll put 150 because you're about to get a TP fund. Anything else you need to survive?

[Reyna]

He's gonna keep paying the insurance.

[Caleb Hammer]

Oh, my goodness, you spoiled tv. Fun. Anything else you need to survive? Makeup, tampons, all that good stuff. 100 bucks. Necessary food. Shut the 300 bucks. What?

[Reyna]

Off my dog?

[Caleb Hammer]

Yes. That's a separate category. Okay. Medical, health care. What else are there? CO pays on a monthly basis when you get your birth control and.

[Reyna]

Oh, no, I get it through Planned Parenthood, so subscriptions?

[Caleb Hammer]

I'll try 40. That's all your twitch. Pet insurance. 50. How much for your pet food?

[Reyna]

I'd say 150amonth.

[Caleb Hammer]

Anything else that needs to be in your budget? That is not

[Reyna]

self care, like keeping up with my looks.

[Caleb Hammer]

Self care. I gave you. I gave you a TP fund. Use it for what you need. Anything else is unacceptable and we don't make enough money. So I don't even know what to do. This is like. This is. Oh, you have negative two in your savings. Okay, listen, I'm sorry. Usually I at least give someone. I don't care. She's not gonna go anywhere. There's nothing to do here. There, she's done. Like. I don't care. I don't care. I've lost the care. I'm a little sick. Okay. I think. No, it's actually allergies, but either way, I'm a little cedar hit hard. I don't give. I don't give a. You're okay. Your daddy's gonna enable you forever. Your boyfriend is nothing. I don't give a. We'll talk about him more in the post show. I'm done. I don't care. You're not making enough money, obviously. What's the real answer? Go get a job and pay off your debt, dumbass. Negative two dollars and save off. What are we doing here? Let's get your Hammer Financial score. Spending in a budget so fucking stupid. 0 out of 10. You overspent. Debt collection, 0 out of 10. Emergency fund, nothing. 0 out of 10. Retirement. Nothing. 0 out of 10. Real estate. Nothing. 0 out of 10. Hammer financial score. Go yourself and get a job like an adult, you spoiled brat. Click the join button. Join us for Hammerly. Download the Dollar Wise budgeting app. Get your Hammer financial [e-mail].

[Brandon]

why the is he pulling all this

[Caleb Hammer]

money for crypto and bullshit?

[Reyna]

Because it makes him more money.

[Caleb Hammer]

What?

[Reyna]

It's literally the move. Like the banks are all owned by like billionaires. Like Epstein. Like they just all.

[Brandon]

Epstein doesn't own a bank.

[Caleb Hammer]

What the are you talking about?

[Reyna]

All the billionaires have the banks with the crypto.

[Caleb Hammer]

Oh, she's.

[Brandon]

She is. So who is this woman in my studio? Don't forget to download the new dollar wise budgeting app. This is officially now the best budgeting app on the market. And I'm giving you a special deal to download, but only through March 31st. Take a free three day trial to test it out and then you get the monthly plan at a 33 discount for the first three months or the annual plan at an insane 50 discount. And with the annual, you get my budget friendly cookbook and my brand new 30 day detailed budget meal plan signed

[Caleb Hammer]

by me and mailed directly to you.

[Brandon]

After March 31st, the cookbook is going away forever. So this is literally your last chance.

[Caleb Hammer]

Don't miss the opportunity of a lifetime.

[Brandon]

Download Dollar Wise to start your free trial, go to Dollarwise.com or click the link below.