---
title: 'The Most Hated Woman in Financial Audit History'
source: 'https://youtube.com/watch?v=vagZuhj8MnI'
video_id: 'vagZuhj8MnI'
date: 2026-07-25
duration_sec: 5414
---

# The Most Hated Woman in Financial Audit History

> Source: [The Most Hated Woman in Financial Audit History](https://youtube.com/watch?v=vagZuhj8MnI)

## Summary

In this episode of Financial Audit, host Caleb Hammer confronts 22-year-old Camille about her financial irresponsibility, victim mentality, and controversial dating behavior. The discussion escalates as Camille accuses a Tinder date of assault, while Caleb argues she is destroying trust in real victims. The episode also includes a detailed breakdown of her debt, spending habits, and enabling relationship with her mother.

### Key Points

- **Income and Job Details** [01:37] — Camille works as a direct support professional earning $20/hour, plus 67 cents per mile reimbursement, netting about $1,600 biweekly ($3,200/month) for 37.5 hours per week.
- **Sugar Daddy and Risky Behavior** [10:58] — Camille admits to posting on Yik Yak about wanting a sugar daddy, then sending nudes for $150-$200 per set. She also drove to various college campuses for hookups, accumulating debt from gas and tolls.
- **Tinder Date Accusation** [16:21] — Camille describes meeting a Tinder date who followed her to her hotel room. She initially portrayed him as creepy, but later clarified he kissed her and she said no, he stopped briefly but continued. Caleb calls her a 'professional victim' and accuses her of pushing the goalpost.
- **Text Message Threat to the Guy** [29:09] — Caleb sends a text to the Tinder date saying, 'You have been insinuated that you assaulted her. Please call us.' He attempts to call the guy live but gets no answer.
- **Tirade on Victim Mentality** [46:23] — Caleb goes on a rant saying Camille's behavior destroys trust in real assault claims. He blames her and similar women for destroying dating culture, lack of cold approach, and sexlessness among young people.
- **Spending Breakdown** [57:22] — Caleb reviews her bank and credit card statements, showing excessive spending on energy drinks, fast food, Amazon, nails, and a $600 Coach purse. Her Avant card has 35.99% APR and is over the limit by $96.
- **Budget Analysis and Path to Debt Freedom** [01:26:20] — Camille lives with her mom rent-free, no utilities, and has $2,000 extra per month after minimal expenses. Caleb calculates she could pay off all debt in under 12 months if she stops frivolous spending.

### Conclusion

Camille's financial situation is dire due to impulsive spending and lack of accountability, but she has the income to clear her debt quickly if she changes her behavior. The episode serves as a cautionary tale about the intersection of personal finance and victim mentality.

## Transcript

>> I want to show you unfortunately the modern young woman in grand display. "Oh, let me get Tinder again to explore the area with a attractive male." He >> This guy from Tinder. >> So So you met
me and I was like, "No, I'm not like that anymore." And then I low-key kicked >> She went around lot of guys and hooked up. Okay, that's good. She consented to it. They consented to it. Then she flew here in Austin, chose to meet up with a
just made him sound like a creep. I'm like no. >> What? No. No. You were pushing the goalpost. She did not say that. >> You are literally why nobody believes
any claims, any assault claims, ANYTHING AT ALL. YOU HAVE DESTROYED IT. The girl you met last night is trying to insinuate that you assaulted her. Please side of the story, right? >> Yeah.
Merry Christmas in July. I'm in a giving mood, even for you naughty ones. Budget, debt, investing, real estate, all of it. 50% off right now. Not sure where you stand? My new and improved hammer quiz does the dirty work for you. 2 minutes
and you'll know exactly how naughty or nice your finances look. Plus, next steps based on your score. Take the quiz, then take advantage of 50% off and quiz, then take advantage of 50% off and finally fix your finances for good.
Hi, my name's Camille. I'm 22 years old. I'm from Newcastle, Pennsylvania, and this is Financial Audit. >> Thanks for coming down to Austin. What do you do up in Newcastle for a living? >> I work as a direct support professional
>> Okay, cool. What are you making? >> Um, actually making pretty good for the area. I make $20 an hour and then also I get gas mileage reimbursement every place or what's happening? >> Yes, [clears throat] you get 67 cents
per mile. Okay. But what does Okay, so what what hits your account then for a starting period cuz I just started this job like in May. So it's kind of like
>> March, April, May. Yeah, >> cuz I had a different job. point. So >> it's kind of like my boss didn't want to wanted to like set me up a little. >> Sure, but are you not working your full
time? Well, right now my last paycheck was like average 37 per week, but I also >> 37 >> 37.5 hours >> No, no. What's the number that hits? >> I would say that one was like 1,600 with
>> per week. >> Uh, every two weeks by >> Yes. >> Okay. So, are we thinking it's going to be that 3200? Listen, Newcastle, I'm
is it near? I don't >> I'm like halfway between Youngstown, Ohio [music] >> Okay, so this is not a insanely expensive cost of living area. So you
at 22, that is not a bad place to be whatsoever. You know, if we're there by like mid-40s, you know, a different conversation, but with where you are, that that is actually pretty good. You sure didn't have to be on the show.
You're doing very well. But now I am being told you're already kind of arguing with your boss about the hours and you're like sending her long texts and you're acting kind of and like trying to get your hours shifted and
bit burned out cuz I WOULD WORK >> BURN OUT. YOU'RE NOT EVEN A MONTH INTO THE JOB BURNOUT. You know what burnout is. You never had a job. You've never working life. >> I had my other job for a year and I got
very burnt out because that was like 40 hours a week and I was doing a lot of all do that and we all do a little extra overtime. How much overtime? >> Um, like one or two extra shifts, but the shifts would be like the job. It was
like clients where they had more needs. >> So, how many hours a week were you >> Okay. Which I mean, listen, you're not really in the place of burnout though. lot of issues I was having. >> The prime of literally having energy and
mental ability in your entire life. >> Nope. I got narcolepsy. Well, it's still >> Not. No. >> Why? Is your narcolepsy going to go >> so you'll probably have more energy now than you will at 40.
>> Medication, but like I had to drop out of school in October because of it. guess. But I'm just saying in terms of burnout and whatnot, like this young 20s is when you will have the most energy versus later in life. So if you're
there's people doing nursing and doctors and all this stuff working more hours than that firefighters, police officers, you can name a thousand positions. I think I work that many hours, you know, it's not it's I'm not I guess on the
feet on my feet working with Well, I am working with but besides that it's if not going to survive. >> What would you say to the drivers that can't even do 500 miles a day? >> They got soft hands. It's more like for
this job I was working six days a week. >> But you're already texting your current >> So, I'm not even talking about the previous job. I'm talking about now. already like trying to change [ __ ] >> No, I just wanted
>> and it's only me. It's a new company. >> No, it's a new like literally a new only DSP there right now. >> I don't know if I'd ask for two days off This is like the best. just it was spaced out a lot and I was like, "Hey,
days off." >> A weekend, do you mean? Is that >> Two days off? >> No, a normal two days off. Cuz before I week and >> I'm sorry if you're the only employee
and this is literally less than a month into the job and you're asking for two to be done. This is this is like I'm not saying you shouldn't get it or that you don't need it, but that's a bad look. You also accepted the job with those
getting into. at that point. >> Then why did you accept the job? Cuz it >> We get So basically for each client we get a certain number of hours they can as a >> D with your job. Aren't is it Come on.
it not just honestly just like hanging out with those people? for them at doctor's appointment. My last job was more like >> So it's not like the most energy. >> Well, it's more I It's like empathy
burnout. >> Oh yes. >> Oh, empathy burnout. Come on. Like, what are we doing? Shut the [ __ ] You're now I'm not saying that's not a real thing that exists in this world, but think of
human history. You have the easiest job ever created in the existence of >> There's some there's some easier jobs around you. But I'm talking about in in the context of humanity and they still did their jobs working sunrise to sun
down, working in the factories. 50 years ago. Empathy burnout is the least of anyone's concern from what they've done throughout all of human history. It's throughout all of human history. It's really hard to have empathy for that. At
22, you can't be using that already. I'm not saying it's not an actual thing that this point, less than a month in trying to get days off and you're the only job. >> Well, the thing is I it's not even
now, like this past week. >> Okay. It's not weekends. >> No. No. Great. That's good. Throughout the week. So like this week I have off obviously yesterday and today and then I worked 11:00 a.m. to 9:00 p.m. Monday.
Tuesday and Wednesday I worked I was scheduled to work um 10:00 a.m. to 7:00 p.m. And then Sunday I worked like 2:00 to 4:00 or 2:00 to schedule is. But it's like >> Are you crying right like now? I I'm not
make. >> I'm fine with the schedule now. It's schedule for six days in a row and I only have one day. wanted the 10 to seven hours. >> So you negotiated that time. What the
>> I'm more talking about the fact >> Imagine being a person asking for they ask for they complain about it and say they're having empathy burnout. What >> No. I was having the empathy burnout before. I'm like I need more than one.
empathy. What the >> Oh, that's my issue. It's it seeps in every job Caleb. Even my retail is you can't handle your own emotions and >> No, I do like working. >> You're 22. Oh, no.
>> You got me all wrong. I like to work. I like to feel like I'm doing something >> Just not empathetic apparently cuz that gets you drained real quick. >> It's like what can you do for the rest of your life if this is already
>> Oh, what's your plans? >> Going to nursing school. I actually just >> Are you not going to do empathy in nursing? Cuz have like so many different patients and it's not like you really have like the
>> fine let's talk about hours and nursing is brutal hours. How are you going to >> I've done I've done 16 hours >> but you're less than a month in and and complaining about shifting your hours to your boss. Come on. You
wouldn't survive nursing. Come from a family of nursing. You wouldn't survive >> My mom actually is a nurse. And you wouldn't survive doing what your mom >> Oh, she believes I can survive. >> She believes. But does she know what's
>> Oh, yeah. She knows. She actually encouraged me to be like, "Oh, you" >> Then she's encouraging bad behavior and she's a enabler. Cuz that doesn't really make any sense. Nursing is like burnout to the extreme, man.
there's like different options. You don't just have to work in a hospital. it comes to nursing, but you are going to stop on start on the bottom rung of the ladder as well at the same time. If we're being honest, this is very Let me
the boss. >> Oh lord. Okay. >> Well, I'm also having another issue where this client keeps calling me out really like be off of work. >> Oh my goodness. Shut the I have no
sympathy specifically did say always been reached out to bosses outside of work hours. That happens here. I have no sympathy for it. I'm sorry that like we is something we all strive for and should strive for as bosses and
employees. That's a good thing to strive for. It is also just a reality of life that all aspects of life intermingle with each other at inconvenient times. That is just a reality. I'm sorry for the lack of empathy on that, but that is
>> I do feel like my boss is handling it well, though. She's like, "Okay, yeah, doing?" >> I'm looking for them. looking for text her a lot? >> Why are you texting your boss so much?
the same clients right now in Newcastle, so it's kind of just us. I'm hunting. I mean, you can hunt if you want. It's very much text, though. man? What are we talking about today? Cuz you do well. You're going to it. But
you do well. You're obviously in a financial complete mess to be on this today? >> Well, I'm putting myself accidentally in the position where I am going to have to sleep with my sugar daddy for money.
>> Accidentally? I don't think that's accidental. If you have a sugar daddy, you usually don't stumble into that. Accidentally. Whoops. He slipped inside. >> Oh, I posted like a fun post on Yik Yak. Do you know what Yikyak is?
>> It's a thing for colleges now. They made it so you have to verify. But I put This >> Yeah, I posted a thing being like, "Oh, >> show me. >> I don't have the app anymore. It was toxic." And I brain hurt.
>> Yeah. It's like, isn't it like anonymous posting? Okay. What did you post on Yik. >> I basically posted something being like, "Oh, it' be nice to have a sugar daddy." And then he just appeared in the DMs. >> Okay. Of which you can not respond to
and block. So, continues to sound like accidents. But continue. Continue. Tell me. >> Well, I um we had each other on Snap. I >> Okay, so you added him on Snap. Oops. Whoops. Accident. Click the button. The
you talking about continue. >> Well, basically, so anyway, he like would I would send nudes for money. >> You actually would. >> Wait, like during hard situations? >> Are they good?
I don't know. >> Okay. Who was this guy? did like the online version, though. So, I >> He was a student in school. He just Why wasn't he just a college student then?
>> I don't know. I actually don't know what he looks like cuz I refused a certain would you send? >> Um like sixish photos and he would um
>> Yeah. Of what? >> Like my chest. >> Just it was just >> um and then >> Oh, you went full hole. That's actually would not do that. That's rough. That
okay. >> I literally yelled at him. I'm like, >> And did he? >> He didn't. Cuz he would actually ask later on, "Oh, can I can you send something to say?"
>> Number two, how much did you make? >> He sent me like 150 to like 200 each >> That's insane for a titty pick. That's crazy. How do people not know Google dating app and just getting laid? It's college. Everyone's
doesn't live near the school. I guess that was his issue. I don't know. jumped the gun on a potential relationship and I removed him on Snap. >> You don't know what he looks like. >> I want him to find me again. I miss him
Snap at him again then? >> I don't know where he went. >> Well, did you block him? >> No, I know. And he like would check in with me emotionally, so it was like a
little emotional connection, too. >> What is wrong with you? That's so weird >> What is wrong with you? That's so weird of You're such a weirdo. Okay. Um, okay. I guess you [laughter] But you never even seen what he looked like. Did
>> No. >> So, you Okay. Well, you said so you for money or something. Have you slept with someone for money? >> Oh, not for money. But I But I >> Well, yes. I sleep with someone.
>> Yes. But more I wouldn't like I wouldn't do it for money. I more like forgot to ask for gas money. And that that's why one of my cards got really bad because I different colleges. >> Wait, wait, wait, wait. Huh? Wait, what
What do you mean driving around these different colleges? >> I had Tinder and I there was not a lot of people on at my last school cuz I >> because of this? >> Yeah, because of the hookup thing. Like
I literally had like mental breakdown slightly. you're saying. >> Oh lord. It was like of my life and I really regretted it and I had a breakdown.
ANYTHING. >> I drove I drove around to all these bad debt. That's why my mom is paying off money cuz I would be driving like up to an hour.
college campuses? Do you know how to tell a story? Why were you driving to >> So you were you were getting railed to different college campuses. >> And for free. Yeah, basically was a sugar mommy.
>> Or daddy, I guess. Uh, okay. So, why'd you bring up the sugar daddy thing if you're just going around getting railed? >> Because I looked at my time and I was just like, man, I could have gotten so much money for just like that basically.
>> Why should you get money for fun? Weren't you having fun? People hook up were you doing it? Come on. >> Are you like a addict? >> At the time. >> I'm recovering.
>> When was that? That was like my second semester, freshman year to um all through out sophomore year. >> I'm now a senior. >> Okay. So, I doubt you rec Oh, fine.
>> A few months ago, but before that, I didn't have sex in January. >> Are you telling me if Brandon right there said, "Let's have sex afterwards." Like, he's giving a face. So, I don't Okay. Either way, if he wanted to,
>> are you saying you would say no? I would say we can make out, not have sex, >> which turns into sex usually. >> Actually, last night I actually um so let me get Tinder again to explore the area with a attractive male." He low-key
>> This guy from Tinder. >> You met a random guy from Tinder the >> No, I did some things by myself. I actually was like going to try to find food spot or something." I I've never been here.
>> Yes. >> Okay. that [clears throat] anymore." And then I low-key kicked him out. and gentlemen, have you followed what she just said? I want to show you
unfortunately the modern young woman in grand display. She went around lot of good. She consented to it. They consented to it. Then she flew here in Austin, chose to meet up with a guy. The guy wanted to hook up and she just made
her to the hotel and trying to hook up. >> Well, we were walking around in public walk me?" Like, he was just standing there near me at the elevator. So, I'm he's like, "I don't care." And then I I was like, "I'm just going to go." And he
was like, "I'm just going to go." And he just followed me a bit and then I was walk you up?" And so, >> I didn't I was going to go up. >> This You are the modern young woman. You guys are broken. The moment you guys
want to hook up, it's totally good. But if a guy wants to hook up, it's creepy and weird. You know, you can just say no and move on with your life. I'm like, "No." >> What? No. No. You were pushing the
goalpost. She did not say that. She did not say he was in my >> Yeah. He was in my hotel and like I'm like walking around doing stuff and he's he's and I'm like, "No." And then eventually I like open up the door. I
go, I'm sweaty and I'm tired. >> Unfortunately, I don't believe that cuz beginning. You're making him sound creepy for being at your hotel when you both walked to your hotel. So, unfortunately, based on what you said, I
do not believe you. And I know people like you, in my own experience, in my own friend's experience, are just liars when you get called out because you made something up to make them sound like a creep. It's just It makes no sense. I
say that? You said specifically that he showed up at the hotel. >> Oh, no. I invited to the hotel together. I tell I we walked around in the public and then he walked me back to my hotel, which was nice.
>> That was a nice part. But then once we went upstairs, he kind of came into my >> Okay. First of all, you guys went upstairs >> cuz I I was trying to >> You guys went upstairs.
It is a natural organic thing for two people walking around on a date to go upstairs together unless you specifically give very intentional and
clear not even clues but just say okay thank you have a good day and then if he starts to come up I I don't want to do that he is not a bad person for going through the next natural step of which
you have done yourself multiple times you were not creepy when you did that college days, which I don't even care. I'm not a body cam person. I don't give a Okay, not even a shame for you. Who cares? Just have sex, have fun.
if you did that. But you were making a guy sound like a creepy person for doing guy sound like a creepy person for doing that. Now, if what you said is him like touching and being weird and you're like, "No, I don't want to do this.
then he's a creep and should be posted about online. But you didn't bring that up. You only brought that up after three times where I said he was doing, you know, just normal and you had to push the goalpost because people like you do
that. So, be honest right now. Be honest right the now because if you lie, I will catch you in this lie because I will contact that individual and we'll put it as a his side of the story. Was he in there in the hotel room taking
off your clothes and you strictly looked at him and said, "No, I do not want to do that." Is that what happened? Cuz I will get his side of the story. I have the resources and I will get him. >> Can I say exactly what I said? Cuz we
my makeup. He comes up to me, kisses me, and then he starts pulling. >> Okay. Pause. He kisses you. >> Did you say something? Did you kiss? day. >> Okay, so there's implied consent. Now
remember, you are not a victim because you are a young woman. This is what they do every single time. Just like I let's just I want to do the example. When you went to all those college guys campuses and you kissed a guy and then went
Remember when you did that, you weren't creepy. Continue. What happened? >> Okay, good. >> Cuz we did have a discussion earlier do any of that. >> You set a boundary. That's good. That's
good. You set a boundary. Okay. And >> and then he stopped for that time and then he kept continuing like he would like I was walking around like trying to get stuff done so I could go to bed because it was like midnight at this
point. I'm like I got to be up early. >> Okay. Show me the conversation. You've got your own unique mix of credit personal loans, and collections. Whatever. Your interest rates are
different. Your payments are different. Your life is different. So why do you treats you like a number? Some generic As if you hadn't thought of that already. That's what sets PDS apart.
say good luck. They work to understand your specific scenario and help provide debtree. Whether you're struggling with credit cards, personal loans, collections, or medical bills, PDS Debt has customized options designed
specifically for you. Not your neighbor, not some average case study. You. people get out of debt. And here's the thing, there's no minimum credit score They're not here to shame you. They're here to help you get out and help you
save more. Pay off your debt faster, and start putting money back in your pocket. the Better Business Bureau, boasts thousands of five-star reviews on Trust Pilot. That legitimately matters. Here's the thing. If I needed help
paying off debt, this is exactly where I'd go for help. You're just 30 seconds Get your free assessment and find the best option for you right now at pdsd.com/hammer. That is pds debt.com/hammer.
pds.com/hammer. You suck with money. So you download a budgeting app. You start with the classic one, wab, but everyone just deletes it because it's way too complicated to use. So you go to every
finance guy, right? Well, they're going to force you to use it his way. That's Money. They got a lot of commercials, but they're owned by Rocket Mortgage.
in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like
DollarWise. Built by these people just like you, for people just like you. [music] No private equity, no gimmicks, just the best budgeting app there is. Download it now. Start the free trial. dollar.com link in the description
>> Wasn't what the episode was supposed to be, but I am I am so sick of these >> Tik Tok brained professional victims thinking something is wrong. If this dude was all before, >> if this dude persistently followed her
around after she said no in the hotel to try to keep touching her, that would be and against him. You did not bring that up when you were saying he was creepy at the beginning, though. That was our whole conversation before we met up. We
don't have anything from after >> because this is the concerning part of hookups you've had and then the one time someone tries to make a move like you freak out. If Brandon or if Ma or if Mark or if I if any of us have
consensual sex afterwards, this is an example, not not a proposal. If that were to happen, you could literally do anything and weaponize that against internet. And it is disgusting. And the amount of people I've seen you do that
the friends of mine is horrendous. And you're already having that attitude. But I've had situations where I genuinely like people have told me like that is a well >> okay but also I don't even believe it
>> I've never gone further with things >> cuz that's something that happens on someone that they're a victim. Like don't even listen to them. They're they get fuel off it. Don't even listen to them. If you didn't consent to something
to happen, that's bad. But unless that happened, like don't listen to your chasing. >> Yeah. The Tik Tok ones where it's like stuff like that. >> Someone just brushed up against your
>> No, it's like major things like I don't smoke weed anymore because I was like, you green out when you're just a blob laying there like that meme of Peter person smoke as well? >> A little bit.
doesn't matter. We're not having a competition. It's noting the college poster is not real life. Like, if a woman drinks and a man drinks, then the life. >> Yeah. Well, anyway, I was kind of just
just like, okay. >> But, and you were both high. Like, it's hard. Maybe that's really bad. I'm not going to defend it. But the thing is where she's drunk, he's drunk, but he's >> Yeah, I don't that's why I don't smoke
weed anymore because of that situation. And I try not to put myself in those >> He said, "Maybe we can do something else, I guess, instead of getting a cuz you're narcolepsy. Is there anything you specifically want to do?" Says, "You
>> Yeah. And that's where we went. >> And he said, "Okay, I can meet near your Let's have context clues here. Meet near >> We kind of know what we're trying to do afterwards. were not literally brain
think yourself but not because of others. >> That's why I really if I if I'm in a assaulted and that dude was fully conscious just as much as you in that
and you were a victim. The thing is we cannot play the game if we're having real adult conversations where both people get but only one is the person. Like that can't be how we live life.
>> Yeah. Yeah, that's why I've never like or anything about that. conversation too if you want. Yeah, that that chunk of text like there's a very just walked up to me. So, >> I mean you guys were also meeting very
>> like around like 9:20ish. >> Like come on. We know what the implications are. We're meeting late. We're going to the bar next to your hotel. Don't be >> I didn't want to sit in my hotel and
that at home. >> The guy said we can totally go inside, temperature. Would you like cuz it's You said it's hot outside. [sighs] >> Okay. So,
cute. >> What kind? >> Okay, go ahead and bring up uh the chat. Sure. On Tinder. I mean, you have a quote and this is coming this is a quote from you in the
yourself on terrorizing men on Tinder. Do we see what is happening here, guys? How we I no longer believe people when they say things anymore. I really don't. Which is really sad cuz a lot of people go through really bad things and you
>> I really should have sh saved his contact cuz now I forget where he is in here. >> It's okay. I have his phone number. >> It's okay. I have his phone number. >> Okay.
looks like >> here. My friend Oh, my friend, my best actually was attractive. And usually that is not my thing with men. >> Yeah, good-look dude.
>> I don't have a good track record. >> Yeah, I don't know what that means. Why >> My friend thinks they're ugly. >> Be get with people you're attracted to. listening to your friend. Like, they tell you what happened to you and what
you're supposed to like. Shut the up. Are you not your own person, dude? >> I am, but I look for outside validation on things. on things. >> Well, shut the up,
dude. Come on. His thing is, are you vanilla or rough on his bio? You >> I was iffy on that, but there was like not other
>> About to ask if you want to look at my profile. profile. >> Hi, wireless subscriber. You have insinuate that you assaulted her. Please give me a call back. We need to talk.
right? >> Yeah. >> I'm kind of selfbanned from Tinder at this point. My mom said I'm not allowed to use it anymore. >> Your mom at 22, you're so weird, man.
because she knows I'm not looking for hookups right now. I'm looking for more >> right? Even though you're looking says still figuring it out. >> Yeah, because I'm like longterm or friends. So, it's dude, there's nothing
wrong if you want to have sex with people. Who cares? There's nothing wrong if you want to go on dates with people. Who cares that? Neither of these things >> I care because I go a little crazy whenever I want more and they don't.
>> Like Nikki from Obsession. That's like my inner deep thoughts. my inner deep thoughts. >> Yes. Where you are obviously we kind of know who you are based on everything you said.
See, and he's picking she you're you're doing like she was literally messaging so many guys like asking to meet up last night. Are we not getting this guys? Are we not getting this?
>> I wanted to go to the bar, man. >> I didn't want to go by myself. I know >> Then go. But why only attractive men on a dating app? That is honestly the hookup app of dating apps. >> I wanted somebody to kiss,
>> Um, it's like a Christian dating app for like long term. >> Yeah. Pull up his chat again on Tinder. Which one's him? You're crazy. >> Now I have to try to remember his name again.
>> Yes. I have also I have a Zodiac sex ranking I made >> based on every guy. >> Well, good thing we never did cuz I would have been at the bottom.
>> Where are you going? >> Why is your phone so slow? >> Because it's having a stroke because it's a 15. It's old. >> 15's old. Isn't the 16 the newest? >> Oh, Lord. Now you're Okay.
>> Oh, Lord. Now you're Okay. >> Well,ing bet you, kiddo. These episodes go wild directions that no one's expecting.
thing is hilarious after that. Plus the Zodiac. Yeah, the Zodiac. >> So you on Tinder date on there? >> Oh, I just got Tinder just for this trip so I could find somebody. I usually use
>> You're saying you would not have sex on this trip? >> No. >> Just straight up. I don't want to. Oh, I actually do have a collection of screenshots of me torturing men.
>> funny? Yeah, >> there's [snorts] some pretty good ones He might be busy. >> Oh, he is. thing ends, >> Google wireless subscriber you have
called is not available. >> Google Fi. He gave you his Google >> Oh, I didn't realize that. >> Uh, okay. Yeah, show show me the someone who sends dudes for money, drives around to college campuses to
being in debt. When's the last time you had an STDSTI test? waiting for the results, but that was I've I had one like last summer, end of >> Like three. >> Oh, raw
>> sometimes. Yeah. That's why I got Well, this past time I first time since January and I was like, "Oh, let me just Yeah, I am. >> You don't let them." >> No.
>> Here. This is my lovely collection. My Tinder Hall of Fame. Tinder Hall of Fame. [sighs] probably doesn't wash his ass. Does a finger ever slip in? You
>> have a gun? I don't think I'm allowed to be near it. feel like you would have your head out the window like a dog. You sound like meat before it gets cooked. Your name is one letter off from being booty.
>> Yes. >> Come back to me, my boy. I'm in Newcastle and ready to rumble. I'mma come through like your wall like the >> That was a guy that I think I had blocked me and I matched with him again
on Tinder and I'm like, "Hello, >> it's 1:00 a.m. and I'm in bed. What happened to let me come take you on a date. Why is it now come over?
serious about >> You're no fun. You probably think flower is spicy. You need factory reset. I'm sending you back to your mom's womb. You're obviously undercooked. You're the sperm
obviously undercooked. You're the sperm that should not have won. I'm going to impregnate you. Truck scare me. Okay, that was too Truck scare me. Okay, that was too freaky of a first message.
I'm a Nepo baby, too. I think if the nepo is depression, that is. trust me, we'll look through this phone more later, but I'm taking it off. Do more later, but I'm taking it off. Do not disturb. And
look through a lot of things later. >> [sighs] >> [sighs] >> Putting it on. Open. [snorts] >> Oh, ringer is on now cuz we need to know. It's also lots of men snapping
>> Oh, not that many to be honest. >> Uh, seems like it. stuff. I don't usually keep a lot of people in my snap. people in my snap. >> Oh, yeah. My friends, you're messaging a
lot of people. I think you're trying to be sexy with him. You're sending like that. >> Oh, those are old pictures. couple days ago. >> I like to be cute seeing any of my
>> So, you're only cute in your old pictures. That's not good. back last night. They were undelivered for like 5 days, though. >> The only person I snap daily is my best friend cuz our streak is the same amount
if you want to be a [ __ ] I love it. I'm a [ __ ] myself. But the thing is, don't try to cancel people for being a [ __ ] and making a move on you. If you people and they don't try to cancel you. Come on. Don't be a hypocrite. You're
not a victim cuz you're a woman. Not a victim cuz you're 22 and your frontal to vote then if your frontal lobe is not developed yet. Shouldn't allow you to be in the military or drive a multi-tonon vehicle or have a job or go live
enough to say, "Sorry, I'm not interested." empathy man. Oh, >> okay. Well, that's on you. The reality and we need to have this conversation. If you are unable to because of your
empathy say you're not interested in something, then you are not able to put >> Yeah. That's why I've been avoiding putting myself in those situations. >> Smart. And you're not a victim cuz you went on a date. That's the reality.
Okay. So, uh you want your sugar back because you're probably bleeding money, Have you only had one? >> Yeah, the other ones were like obvious money first or it was like checks and stuff and I know the scam so I was like
>> And they found you via the >> No, these are other places like like the random like people adding you on Snap being like oh do this and I'll give you money. >> Listen, men will anything.
>> A weird noise. Nothing. I thought I just heard a phone call. Um okay like Val. unattractive. I mean, you're a bit tall, I think, for some people. Got stretch probably big, which is nice. Everyone likes good tits, so I guess that's fine.
But like, I don't want your future, regardless of the victim [ __ ] I don't want your future to be sugar baby. That shouldn't be what you're looking >> Well, that can be my side hustle. >> Really, though? But what are you willing
to do for it? Cuz they will always for you to make more money. I've had them on the show. The sugar the sugar givers and the sugar takers. They will want to for the sugar takers. They will want to for the money and I know you love but like
>> I'm not trying to do illegal things. >> No, it'll it'll they'll frame it as more of like an escort type thing, you know, like what what is it like? Oh, you know, I'm giving you lots of gifts and then you have sex and but the implication the
obligation is kind of there, but like not, you know, I think that's how they >> Okay. Well, either way, that's where it would be expecting. And I don't want you yourself up to your own thing. But I don't want you to be given out whole for
money cuz that's just not a good healthy place to put yourself as a person, as a woman, as a individual on this planet. That's not a necessarily a good thing and I don't want that for your future. >> Eh, side hustle. It can be I
What are you trying to do? >> Well, usually if I'm like really I would reach out to the sugar daddy. Like if I was really in a bad situation. what now? >> I want him to find me.
>> He might not. He may have read the hint because guess what? If he you removed him to find you, he'd be a creep. You'd blast him everywhere online and you'd him to find you. >> It's like a burner snap, though. I think
>> sure, but he doesn't know. Why do you think people aren't willing to reach out to women in cold approach these days? >> I I just always reaches out to gets canceled and destroys his career online or if you
want him. You want him, but he doesn't know. Why would he risk it? because I'm tall and scary. >> Okay, you're not scary. You're like 2 in taller than me. You're 5'11. It's It's okay. It's fine. You're not unattractive
again. And when And when you know when when people lay down, everyone's kind of the same height anyway. >> I used to say that as a pickup line. We're all the same height. Horizontal. >> There you go. See, it works. It works.
that against you, but what's the game this side hustle? >> Well, the last time I needed to borrow money to last year, the next payday, my mom gave me access again to that card
"Okay, I'll just borrow this set amount of money." I did go over that, but I paid back already half of what I put on it, this paycheck, and then I'm going to it, this paycheck, and then I'm going to do the other side hustle of
>> Well, I was trying to get away from that a bit, but I do it when I'm like >> Yeah, but you don't have him anymore. So, what's the game plan now? To find a So, what's the game plan now? To find a new Are you searching? Have you posted?
>> Oh, no. You probably shouldn't. I I'd rather stop you before. What's funny is pre-in about how you see yourself as a high value woman. Really? How?
love to give. >> Is that what Hold on. What? Okay. >> Is that what Hold on. What? Okay. Idubbbz's great, but there's high value. by 22, which again, I don't even care. Oh, it's fun to be a [ __ ] Be a [ __ ]
then high value at that point. Just like economically, right? >> Yeah. I don't know. Um anyway, I think >> because you have empathy. We all have >> I guess a lot of people are lacking empathy these days.
>> Well, sometimes it's demonstrating like um like me and I I'm not going to other tendencies. I you know, I feel a lot of empathy towards things. I don't always demonstrate it the best though. So, it's like different. You're in tune with your
like different. You're in tune with your empathy. I'm proud of you. not How are you high valued because of that? I guess them >> the most generic [ __ ] Yeah. Oh, you
give gifts. We all give gifts. Shut up. >> I get meaningful ones. Like my dad's >> What would you get me? >> Oh, I did give you a gift. Okay, this is >> Okay. I thought you said you curate. How What is this?
collection. >> How does it apply to me if you said >> I thought you would enjoy it next to the little bit. >> Look, this one's yours. >> What if I ever said that would make you
think a potato in ramen would be me? >> I would have given you the potato and a burger, but I already I didn't want one to take it away from my collection. This one was I was willing to part with. This one's my like beautiful one that I
>> So, you're not a good giftgiver. I'm well my dad's father's day gift. Like if I know a person better. >> Girl, you nutted when I walked by the window of the green room. You know me. >> I was having a Starruck moment.
like on a personal level, >> but I'm open about everything on the >> I know you like food. >> Well, yeah. It's cuz I'm looked at me. >> Yeah. And I don't know. Ramen's good.
>> Ramen's good. I like ramen. Yeah, it's it's good. I don't I don't know. >> I want it next to Lil Boo Boo. You're not going to get that. So, you brought up your mom a couple times so far. This relationship seems
weird. She seems like a big enablement, but I'm also being told she like doesn't things or what what is this? She's obviously a big part of this >> Yeah. Um, so whenever me and my ex-girlfriend initially broke up,
whole basically the whole situation is I wasn't out yet, out and then >> You weren't out yet? secret relation. We were like, "How >> do you see yourself?"
piercing and the super colorful hair. I actually had purple hair at highlights at the time, actually. [laughter] >> Uh-huh. Yeah. No one knew. Continue. know. So, anyway, I had to come out to her and then whenever the second time me
and my ex-girlfriend dated, it was like, >> "People even care anymore?" >> My mom did at the time. >> Coming out's like a 2010 thing. This is like and no one gives a You're gay. WOO. MERRY CHRISTMAS in July, you jolly
motheruckers. To celebrate, I'm giving you master your budget, master your debt, master your investing, and master your real estate. All of it 50% off. I've worked with a team of experts to build the best courses on the planet.
Create a budget that gives every dollar a job so you never miss a scent. Get out of the endless minimum payment prison and take control of your money. Learn how to actually invest without losing your ass or your savings. Getting into
real estate? I'll help you avoid the money pit and get more profit. And if you're unsure where you stand, shame on you. But you're in luck. My newly revamped hammer quiz. In just 2 minutes, you'll know just how naughty or nice
your finances look. And if you've taken it before, look out for some new and huge improvements. Oh, and I have a special surprise for anyone who takes the quiz. Click the link in the description to learn more. Take the
quiz. Take advantage of 50% off. And finally, unfinances for good. If you or your child spent years growing up on social media and experience serious mental health struggles, you should hear this. Recently, a jury ordered Meta and
YouTube to pay millions for their role in designing and promoting addictive platforms. They knew their apps could contribute to anxiety, depression, and body image issues, but did not share those risks. while prioritizing profits.
The recent historic verdict underscores the consequences of those decisions. Now these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz. You may be entitled
to a potential recovery of over $1,000. >> Well, anyway, so the second time we I wanted to work on the relationship and my ex-girlfriend just pressured me for sex and then I gave in and then she like then we broke up.
>> What? For the second time. What? So anyway, my mom, pause there. Oh, you're What do you mean she pressured you into sex? >> constantly. >> Well, first of all, first of all, in
someone is not getting their sexual fulfillment in a relationship, it is conversations around it. >> Well, we had just gotten back together >> Even though we're dating,
that look like? cuz it's >> cuz they're constantly asking me. >> Okay. Well, that's not inherently bad in a relationship. >> How she does it might be bad, but if you're just saying, "Hey, can we have
and I would just >> No. No. No. Okay. She was making a move. IS THAT WELL, HOLD ON. Are we really doing this? We're making a move in a relationship is bad. Did she stop when you said no? Yeah, but you would
you said no? Yeah, but you would constantly keep DOING [screaming] SORRY, MAYBE I AM ON THE INCEL SIDE. Maybe they
were right. I hate incels, but maybe they WERE RIGHT. THESE PEOPLE ARE [screaming] INSANE. YOU'RE DATING SOMEONE, you make a move, she says no, SOMEONE, you make a move, she says no, you stop, and you're a apparently. WHAT
THE [screaming] IS HAPPENING? WELL, ANYWAY, so she flipped the script. >> Well, anyway, so she flipped the script then my mom believed her. >> WHO EVEN CARES WHO'S ASKING who for sex
>> What was more like she was like I was into it. >> Dude, making a move isn't pressuring you people. YOUR BUZZWORDS. YOU PEOPLE ARE INSANE. YOU ARE LITERALLY WHY NOBODY
believes any claims, any assault claims, ANYTHING AT ALL. YOU HAVE DESTROYED IT. against a creator these days, I literally not only stay neutral anymore,
but I can't believe anything because of PEOPLE LIKE YOU. YOUR BAT [ __ ] INSANE. Tik Tok and Reddit AND WHATEVER HAS TURNED YOU PEOPLE INTO VICTIMS. A girl,
your partner making a move on you and stopping when you say no IS NOT ASSAULT. YOU ARE NOT A VICTIM. NO ONE BELIEVES anything anymore for real victims because of you and this is 100% real.
>> Yeah. >> What the are we doing? BELIEVE A SINGLE claim against anyone anymore. And it's because of you. And
there's like 40,000 Tik Toks and Reddit posts LIKE PEOPLE LIKE YOU EVERY DAY. AND LISTEN, if you say I felt uncomfortable in that situation, that sucks. I believe that and I'm on your side. But the issue is people like you
bring a level of energy to it that you got assaulted. You didn't say assault, but you bring a level of energy to it of a nuclear attack that someone made a
move ON YOU THAT YOU WERE DATING AND THEN STOPPED WHEN YOU SAID NO. It is THEN STOPPED WHEN YOU SAID NO. It is insane what your Tik Tok bubble insanity insane what your Tik Tok bubble insanity young women frontal lobe dumbass have
done. You've destroyed. Never, NEVER, NOT A SINGLE ONE OF YOU LIKE her on there complain if you're not getting cold approached anymore. Don't complain. It is your fault. It is your fault. You've destroyed the dating pool. The
sexlessness among young people is your fault. The lack of cult approach is your fault. You being single at 40 is your fault. You guys are insane and you've destroyed our dating culture. If it makes you feel any better, I never went
buzzwords of >> public. Public? She God, she never went move and then stopping when she said no. She never went public. WHAT A HERO. WHAT >> Yeah. >> I'm like literally one of the most
popular podcasts on the entire internet across the world. So, shut the up on that. AND TWO, YOU THAT'S NOT SOMETHING TO GO PUBLIC ABOUT. >> YEAH. I wouldn't like for like >> have made moves on me and I've SAID NO
WHEN I'M TIRED. I NEVER WENT PUBLIC ABOUT THAT. WHY WOULD I? >> WHAT WAS LIKE other situations in the >> Oh, it was a goal post. You see how it >> Oh, it was a goal post. You see how it happens every time.
>> Yeah. >> He essentially because he wouldn't stop >> No, I don't use that word assault. I I just say what I say what it was. >> I just say like, oh, he just kept doing things and I kept saying no and then I
kept doing things. So that is what that would be assault, right? I think at least extreme harassment assault >> and that really happened, right? >> No. >> Why? If this actually happened and this
>> How'd you handle it? >> I asked him to leave after a bit of left? >> Well, I literally held open the door and and I need to go to bed." >> Did you ask him to leave before that?
>> Did you ask him to leave before that? >> No.
is repairable, dude. The information and the people you've surrounded yourself and the people that have told you you're a victim, they've done so much damage to you and people around you. What the are we doing?
situations right now. I try. >> Except she messaged like 30 guys on hotel to go get a drink outside her talking about? Well, I started doing that at like 6:00 p.m. So,
>> No, it wasn't to meet the messages. >> I had to eat dinner alone. It was very lonely. >> She's a victim in that, too. Guys, who charge for that? >> Well, I was going to pay for mine. I
like they have like they expect something in return. So, I just I would have paid for myself. >> Oh my goodness. You're broken. You are a broken individual. Did he text back? No. Call. [snorts]
what? My girl just texted me and she said we're getting the good toilet paper again because she accidentally ordered the bad toilet paper. Should I claim she assaulted my [ __ ] Should I go on a big twit longer?
>> She assaulted my [ __ ] with bad toilet paper. That would be funny. your circle would 100% support it. and try to ruin her. thing. >> You're pathetic. [laughter]
I don't even think you deserve a financial a literally ruined our society it's the suicidal empathy that people like you have, too. septum piercing girl. >> Not a rare breed. It's the It's the
breed that has put people into office that allows us to have. If I want to go buy a calculator, it's locked up behind a chainlink fence at Walgreens. You people have destroyed us. >> Is it the septum piercing army?
and all this [ __ ] It's the suicidal empathy where what makes you feel good, masturbation for bad policies that have failed us. It's not leftwing, by the rightwing, but it's the extremism. It's that hyper horseshoe populism, extremism
of suicidal empathy and insanity. Then there's suicidal not I don't know the other side, there's just like the aggressive evilness as well. It's like you are all and you've destroyed our society. And I hope you one day wake up
and realize how far from the center you really are. The center of normal people. But it let's give you a financial audit cuz I guess even people that destroy our your financial score is? 0 to 10. Zero being the worst. 10 being the best. We
know your score is maxed out at 100 out of 10, but let's see. >> I took the quiz on the website. >> The quiz on the website keame.com >> said it was like a 4.6. >> We'll see. We're retweaking it right
now. So, by the time this episode's out, tweak it. Honestly, I'll be honest, employee at one point tweaked it without my consent. >> yeah. I know, right? I'm not going to name. Um, good employee, but just like
that was a mistake. Um, and that's really weird. So, it will be fixed. Mark seems to really think it's Ma for some reason. I don't know why, but it's it's not the head of financial audit, Mika. [laughter] Uh, but either way, go get
and reflect correctly because you're probably lower than that. Uh caleb.com doing great? And if you don't want to be like a guest who ends up on the show, one don't claim you got when you didn't get two, download the dollarize
budgeting app. Actually take some accountability. I know you 22 young woman colored hair something piercing and accountability. [laughter] But take accountability. Take the free trial. See if you like it. If you do,
most people sign up for the annual version because it saves a lot of money, about 50%. And you get the physical version of my 30-day meal plan signed by me, mailed directly to you, and the digital version of the cookbook. See, I
got excited. She's a fan of the show. We only allow fans of the show to come on. How the do you even have those takes? If you're a fan of the show, how how of a show that shits down the throat of people like you consensually of like
that kind of opinion? Like, how do you even have that take? How are you such the the literal opposite of what we preach here? It's kind of crazy, but I audience. >> Oh, I was very excited. I actually told
Lindsay, I'm like, I need the cookbook. >> Well, I want the cookbook, too. the PDF. >> Just like you're going to claim every
guy you've been with is a PDF. You know how people like you work. You'll always push the goalpost. He'll say, you'll start saying they got with kids cuz you were you had sex with someone when you were 19.
>> Okay, that one actually recently got doubled. So, it used to be a 500 limit low key, it's now maxed out. you submitted it to a,000. You know, you're coming on financial audit and you
double it overnight. Why? They >> did it at a nice time. Convenient time. >> Pull up the card. It's here. >> Yeah. You kidde my phone, bud. >> You know the thing that really sucks too I other than your like weird empathy
I other than your like weird empathy jerk off and like cancellation like the other than that like the other conversation stuff like I like you. It conversation stuff like I like you. It was like a f like we we would be pals.
You seem cool but then you have this insanity part of you that I don't understand. Makes no sense. I think that's the best me. Thank you. >> It's not necessarily a good thing,
though. You have available credit of $5 cuz she owes $98257, but there's some charges coming up. Of course, autopay is likely now 50 bucks. Used to be 20. [snorts] Used to be 25. Credit score 627. What is
whenever I get paid. >> Yeah, I'm paying that the next paycheck, too. I'm putting more money on it >> until you get fired for not doing your job. I can't do my job. I have empathy.
>> Starbucks. Subway. Stop and get some [ __ ] Rude 21. Stopped and get some [ __ ] Bath and Body Works. Miso Southern Park. Boardwalk. Chick-fil-A. Barnes & Noble. This is all within the past couple days, dude. Hair Loft
Groove. Nancy Hair Loft Groove. >> That's my nails. But that the card was like >> um they're gel builder. H. Michael store went and got some [ __ ] Went and got some [ __ ]
Sheets commerce. When got some [ __ ] Amazon. Meno. >> Meno is where I get my potatoes. >> What? What? Oh, those. >> Oh, I hate you. Went and got some [ __ ] Went and got some [ __ ]
some [ __ ] Taco Bell. This That was all in one day, by the way. Everything I just read. Uh, the purple shirt. [ __ ] [ __ ] [ __ ] Subway. Duncan [ __ ] >> now when it got so [ __ ] What if you
>> Um my Red Bull. >> Oh you. Okay. You know the drill cuz you're a fan of the show. But gamer subs is the way to go now. You make your your coffee at home. No more Starbucks. No more energy drinks. I guarantee it
tastes better. That's a guarantee. We blind taste tested it ourselves. Um >> my flavor is coming out very soon if it's not out by the time of this episode. So get ready. What? >> The bit whenever the video that comes
It's like burned into my head. >> Sit down. Sit. Sit. Quiet. flavor you like. Link in the description below. Type in code Caleb and you get the free samples. Then get the flavor you like at 10% off, which makes it 40
description below. Make your energy drinks at home, friends. Buddy, you have only see two weeks worth. And it won't load past that. That's how much [ __ ] pay off. that just doubled in balance that is acrewing interest.
for clients and they owe me >> clients. What do you mean? This is all >> Oh, no. The Chick-fil-A that I had to pay for me and a client. also you. >> Yeah. So, she only pays me back like her
>> Yeah, but you're still getting it for you. month that we have is same [ __ ] going [ __ ] bookstore [ __ ] It's
got a 35.99% interest rate of death. Yeah, that's my most recent card I've >> A insanity death. What is wrong with you? What the is wrong with you? >> I need another card. I wanted to stop using my my Amazon card for everything.
>> Open your phone. Give it to me. >> Oh, okay. What are we doing? >> Oh, okay. What are we doing? >> What do you need to know?
>> We have an Amazon Chase card. What's going on in here? I bet I'm going to have to look at that Amazon. Oh. >> Oh, on your little Christian. You just >> Oh. >> What are you trying to settle down?
>> Yeah. >> I've been trying. >> No, you're not. Girl, if the person you're with tries to make a move on you, you're with tries to make a move on you, you're going to claim you got $4,896.19
is owed on here. Minimum >> wireless >> wireless >> minimum monthly payment $22281. >> We have this Google number. That's probably why it's not going through
right away. >> Also, yes, you overpay, but it doesn't interest in purchases you acrew, it's more than your overpay regardless. So you it's at the limit. You're No, it's over the limit. It's over the limit by
$96. Shut the up. Overpay. Overpay doesn't matter if you still spend on it. If you spend the out of it. Does he know you're coming on financial audit? Did >> No. >> Oh, he will.
>> 17 [snorts] years to pay off if you don't even purchase and you only do minimums. And I [laughter] Amazon. Amazon. Amazon. Amazon. Okay. WOW. [screaming] This year so far, you've already lost like $500 in
interest. Dude, that's insane. Amazon. Your income scales crazy. >> Amazon. not been using that card because it's maxed out. So, going to look at my orders. Okay, ignore the first thing that's arriving Sunday. That's my mom
sent me money to get my dad something. >> I just got a text that we're being our I'm forced to just sit here and talk to a [ __ ] I could be defending the base, a [ __ ] I could be defending the base, but I have to talk to a [ __ ]
what that means. >> Imagine like a dick forcefully going inside. That's what's happened. >> Wait, is it League of Legends? >> Is it that game? >> I used to play that game. There's a
took me in. Um, >> okay. Calm down. I don't need your lore. >> Okay. I think it's like hair dye. The phone case here that looks like [ __ ] Um, color ink. That's fine. Stackable storage. Didn't need it to survive.
scars? >> My I have acne scars. I got a $175 gift debt consolidation. >> Pop that one in the middle, but they're >> I went I was going to do a debt consolidation. Then I was like, my mom
was like, "Actually, you can probably pay that yourself." So they they said if [ __ ] >> you'll get energy drinks, >> a $25 gift card. And then they were like, "Oh, if you go on this phone call
for like an hour, you get a $150 Amazon gift card. It's all [ __ ] and you any sense. Not because you can pay it off, but because people like you who the debt in the end because you wouldn't have changed your behavior that got you
incredible personal loans on calebmer.com that I personally use when I need one. >> So does everyone. >> the hair dye though. >> You that's for people that can actually
change your behavior, you're going to end up in both places. I love good debt. >> Oh, this is the card my mom. >> Shut the up. Why would your mom be free card. >> So, she's paying it off from $2,787.
every month. >> So, interest is going to be acrewing >> And when I when I do use it, I pay off. >> So, she's going to be paying this for 11 >> Oh, I thought it was going to be a few years whenever.
with you? >> I genuinely thought it was only going to since she >> $2,7872,
>> Yeah, she put in her own income, too, so my credit score would look better, too. >> yeah, your incredible credit score, 444. >> I'm working on it. >> Listen, I mean, I don't know. You We do need to get you. Do you want to stay
there? Is it a small town? >> Uh, what are you trying to do? >> I'm trying to move like into a suburb outside of Pittsburgh and work in Pittsburgh. Well, Pittsburgh is okay. I mean, it's not the best economic miracle
little bit of the empty and out of the rust belt. It's like the eastern most rust belt, but listen, we'll get you a course career certification. used them to get six figure jobs, raises up to six figures. I'll get you one of
>> Relate to I currently >> is it what you want to do? Because you can get >> right now, I'm finishing my psych degree >> Okay. Yeah, nursing. Okay. [clears throat] Yeah. No, might not have
anything, we'll do that. And it can just add to your resume in general, right? >> So, interest is acrewing like crazy. At least no fees or anything. mine. I always pay them. >> What concerns me is the entire plan that
you were talking about in the pre-in is how you you want to pay off your credit but so that you can still use them. You're not a credit card person. Look what you've done. You're using girl. Do you not recognize that on the first
card, the Avant, the Avent card, that you literally got a credit limit already doubled your balance up to that limit? How can you tell us in the pre-in
can be a credit card person and just use them? You're clearly not that kind of it again while I was >> Yes, exactly. That's the point. That's what I'm saying, dummy. Come on. That's what I'm saying. Ladies and gentlemen, I
got something new to help you that we have personally built right here on caleb.com. We have three new Caleb Hammer financial resources. They are the ones I would personally use, which is why we made
heard me talk about, personal loans are okay when you're good at debt. I personally use them when I can leverage them for a situation. So, we have good personal loans on caleb.com. We also have auto insurance now. You can check
ton of money on auto insurance. And then to close it off for now, cuz we're building more. We have a debt relief program. You've seen how hard it is for people to get out of debt on this show.
if you're actually ready to change. Remember, none of this actually matters if you continue the same bad behavior. So, it's not for you if you still suck. check out these three programs from personal loans to debt relief to car
insurance to see if you can save a [ __ ] ton of money across the board. Go to calebmer.com or the Caleb Hammer financial resources part of the pin comment or description below. Starbucks is [ __ ] and a waste of money. And
you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. MAKE GAMER SUBS AT HOME FOR JUST 40 cents a serving. 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 game. >> Literally, the cherry flavor is insane.
>> Listen, you can also get free samples to see if you like it or 10% off your order or click that link in the description below. Type in code Caleb. So, how the behavior. This is a mess. You're not going to be able to sustain yourself.
want to go to Pittsburgh, but you're 22 and you refuse to even have a roommate. You have a insane minimum monthly make and you won't get a roommate. Where's your entitle? You're so
>> My roommate's my cat and she can't work. >> You're not willing to get a human >> I don't do well with roommates. And the only person I would want to be my So, >> okay, then maybe you guys would be good
>> Yeah, that's what I was trying to convince her. >> It's just I don't know. Just I like my own space, and if I have a roommate, I part of my space. >> Well, you just have to be respectful. If
absolutely is. >> Well, actually, with the Chase card also, they did the credit limit used to be 2,400 and then while I was in Florida visiting family in March, um it doubled. >> Great. I'm asking about how you're going
entitled to think you need to live in your own place. Your own place. That's that's going to immediately immediately eat like 40% of your income in a >> I have a plan. >> What's your plan then? Let's hear your
grand plan. I want your grand >> grand plan. I'm going to finish school >> I have one more year of undergrad and then the nursing program. My mom said it then fall. So, it's >> usually people's undergrad is nursing
grad? >> Because I just decided now I wanted to >> then just go into it now. Stop your just transfer credits and start that. Pursue do. The psych psychology degree it does nothing anyway.
degree in nursing so they know >> just go into nursing now transfer what you can and take catch up. Why take this extra year of time in student costs and [ __ ]
with what I want to do with nursing. I kind of want to be like psychiatric >> You learn [ __ ] on your own time. take extra classes and bonus later, but you are literally wasting time right now. >> Well, anyway, the plan was I was going
to do that and then >> it's opportunity cost. Stop. Dude, you anyway. No, go into nursing now. Why waste his time? >> Oh my gosh. Why does she matter?
>> Yes. Okay. Get an opinion, but it shouldn't dictate your entire life. Look where you are. If you followed, if this is what her opinion has gotten you, then it's not working. Well, I guess her getting me out of jail with the Discover
>> Not actually out of jail. >> Well, she kind of got me out of jail. >> No, she got me out of like my get out of jail free card was her paying that card >> Doing the minimum monthly payment. You're spending on all the other cards
all my other cards are maxed out. So, >> dude, you had debts. You went to Disney. They maxed out at the debt. You're thinking of applying to consolidation or you did already. >> I did. I decided not to. like what the
your plan? >> Plan is okay. So, I finished school. I will think about doing just go straight to nursing, right? But I do have my schedule for the fall set already. And then the plan was after that I was going
program I'm looking at, they want you to work for them for a few years. So, that's a guaranteed job for at least 3 years. And I was hoping by like one and up enough to move out. And by that time, like 6 months before I move out, I want
to like buy like furniture and stuff. So, it's not like all at once. oh, I need all this. >> What the cost of your housing will be
question. >> I know the place I wanted to I was looking at for it's like it was like 2,000 a month with utilities. >> Yeah. And I'm I don't know. >> But she won't get more so entitled.
>> But how much? You're still going to start on the bottom wrong. Okay. With you purchase immediately what you put towards it. And with the interest, it actually pushed it basically above. And it's to purchase at Victoria Secret cuz
Christian dating app, I guess. >> Oh, that's I like their clothing, too. >> Yeah, it's fine. $30 is the minimum payment >> You could just pay this. No, you don't. You put Yes, you paid 50 towards it, but
then you purchase 43 and then interest hit. You don't understand that. Well, hit. You don't understand that. Well, you usually store putting extra towards it, it doesn't make a difference if you still spend on it and then interest
acrruise. How do you not understand that? How do you not understand that? That destroys the entire situation. >> Why try not to use those ones? Those cards I don't use. Yeah, you did. So, what I can't use those ones anyway.
try not to. And then in the statement I have, you do and it just ruins it. The interest rate's literally 36%. You know how insane that is for a credit card? Bad credit cards. Credit one's at like 28%. 36%'s crazy. Why even allow
to be a person who pays off your credit cards and then use credit cards, but you allow yourself to put two of these cards, spend money on two of these cards that have 36% interest rate credit cards. Really? The worst I've ever seen
for credit cards. Ever. Ever. Ever. Ever. Ever. I don't see worse than that loans. Yes. But I've never seen worse than that for credit cards. I didn't know what a good interest rate was. >> If you are the person who says you don't
know that, how can you be the person that uses credit cards? You're literally wouldn't even look at that. >> And I thought it was a smart decision more rewards back. >> Oh, rewards. You're losing 36%. You
literally in the entire pre-in blaming credit cards for increasing the limit instead of your behavior of spending up to the limit. >> I'm just an impulsive person. Exactly. So why should you have access
>> I feel like once I'm smart smarter with it, I can like at least the store ones I then pay it off immediately once it hits. don't. Interest is occurring. You're saying all these things that you could
do, but you don't. So what's the point if you don't But you might. then I can do that. >> Okay. But you don't. Hey, there's only because your mom won't let you that she
are just going up. You're actually sincere. Your uh debt has only gone up. Like what the are we talking about? How can you even say that to me at this you say that to me? >> Well, it's just been my last few
haven't gone up to like my >> Oh, never mind. You actually have spent off. So, what the >> Yeah, I've been spending it for the >> Show me. >> Oh, wait. My phone's hiding.
>> Google number this guy. It's not loading. Come here. I don't know what in. I'm working on it. >> Pull it up. >> I'm trying to do my face ID and it just keeps going to this screen. There it is.
>> Put on less makeup next time. >> Uber. Makes sense why you're here. The >> Oh, yes. I had to get my vinyl. I've been hunting for I broke my nail to find >> No, it's not just spending here. You literally added $1,000 to it.
>> Well, like half of that's for the trip. half like >> Yeah. >> Get out of jail free car. She's just she Okay, I'm going to uh try to get on the phone with your in the post show, but we
mom cuz this enablement is crazy and she doesn't even realize she's going to be paying this forever cuz it's not going to take that 11 years or whatever. I said now it's going to be double. This is crazy. Yeah, that's Uber in but the
market [ __ ] Uber in that's fine. Numero 28 $44.38. expensive. >> You can look at the prices. >> You can look at the prices. >> I didn't realize there she's incapable
of anything. No accountability. This >> I didn't know where that place looked cost money. Especially if it's like in the downtown area. Market market. This the downtown area. Market market. This is just air. Yeah. Yeah. Going against
some [ __ ] Some Wendy's. This is crazy. You're crazy. I did just on it. >> Yeah, we might have to message him on
Tinder actually since I want to make sure we have a good time. Pull up his Tinder chat. >> I would need my phone to do that. Caleb, >> You're just sitting there with it for a second. I'm like, what are you doing,
phone. I'm paying off next month my mom the rest of what I owe on that phone and >> Immediately into debt for a new phone. >> She was fine with it as long as I paid for the the rest of that one. >> Look at you. You're trying to get
>> Look at you. You're trying to get cracked on here. This is wild as [ __ ] cracked on here. This is wild as [ __ ] Okay. Yeah. The 36% interest is crazy. Okay. Yeah. The 36% interest is crazy. You literally just uh went so when you
got access to more money, you went and got a shitty Coach purse for $600. This is insane. This is frivolous. It's not even anything good. You didn't even get >> And the funny thing with that is currently when I'm at home, I use a
thrifted purse instead of that one. >> Yeah, it's Coach. I wouldn't be seen >> Coach is nice. I like Coach. >> Nah, it's fine. >> It's really popular, right? just learned about
>> There you go. I just I've learned about bags recently and now then I have to uh you know get gifts and coaches just it's it's not made well. There's just so many going through it and there's like stitching issues. It's all crap. And
outlet stores. >> Oh yeah. There's no store near me. >> I don't trust a luxury brand that has that outlet store.
quality of what it is. Coach tries to pretend they're nice and then you spend a pretty penny for [ __ ] >> We'll find you a nice man who will get >> I have a nice bag I got at thrifting. >> Unfortunately, you'll be giving a maid's
>> What's going on with this? >> My American Eagle card. I used to work there for 2 years and >> Oh, so you went into debt for them. No, no, no. I I um I just opened the card recently
>> City outlets. Yeah, you went to the outlet store. So, >> yeah. It's on an actual outlet store. That's where I used to work at at that store. >> Okay. $49.55
minimum monthly payment of >> I think it's like 30 >> I think it's like 30 >> 30 me. Okay. Yeah. Just open it. from American Outlets. >> Oh, yes. because of my sleep issue.
diagnosed? The >> narcole situation. I had pointed out and they had change I came in for my schedule shift on Mother's Day and they minute and I had >> So it wasn't for your sleeping issues.
>> Yeah. But I slept again and so then I was late again. So then they she was of your point issue." Cuz I brought in my two weeks cuz I'm like, "I'm not Mother's Day." >> See, this is insane. You're you're think
you're going to Orlando again. Orlando studios in October. Do you you're never understand this? Do you not understand the consequences of your behavior that >> Well, whenever I go to Florida, I see family. So, I stay with them. So,
family. >> Oh, I do want to go to Orlando Studios saying? I swear you hear my criticism and you go a completely different say. You're never going to get out of debt if
you keep doing this. Well, that's why whenever I only want to go visit family, >> It's literally You talked about going to Orlando Studios in October for your next go with me and my cousin. >> So, Oh, how does that
>> My sister's coming with us. >> How does that change you spending the money and never getting out of debt? You will never make a sacrifice cuz you have no accountability. You will always want to pay off debt, but you never will cuz
actually do it. You'll never join us on the other side of the hill of >> I'm just slowly getting up the hill. >> No, you're just slow. gotten in worse debt from the statements you sent in.
>> I'm working on that hill. >> Okay. You're rolling down it, dude. >> No. Where's the going up? They're all maxed out, basically, except for that small little stupid card. Besides that, all the major ones are maxed out, and
you're relying on your mommy. Mommy, you even told Lindsay that these >> Yeah, it wasn't like the best month, but I was actually being pretty good. account. >> $33, I guess, to your internet provider,
>> Internet Xer to Freestyle. Freestyle. >> Oh, okay. That was for something we're was money I had gotten to put into my scholarship for my sister. So, I the reason I didn't send in that account is because it was just the scholarship
money. Fablettics. >> They have longs. They have longs in their sweatpants. I need the longs. >> Okay. Calm down. Hair loft 80 bucks. Hair loft 70 bucks. PayPal out $514.
>> Oh my goodness. Never going to get out of debt. >> All that you owe money and a lot more. And then all that and then yet you still go and get coffee. You still do $40 at Amazon. Go to Villarresh. $657.
Play things. Let's play things. >> Oh, it's like a toy store near me. It's cool. It's like in a rocket ship. >> Like what kind of toy? Like toy like >> No, no, it's like like I went with my sister and we got like squishies and
stuff. >> Okay. Well, you spent $21.16 there. Duncan Apple bill. [ __ ] [ __ ] You went and got some energy drinks. I actually did a smart decision.
for a job. >> Wait, don't you have a car debt? >> Okay. Well, I should probably see that before I go into your checking account. >> here. Well, the thing is >> cuz you're addict. You went inside.
[ __ ] Went inside got some [ __ ] Dunkin Donuts. Wait a second. I got some first. >> What's your car? >> It's a 2021 Chevrolet Spark. I don't know if the pictures are, but she texted
what the loan was and like the interest, but I only pay 150 a month. >> What's the loan balance now? >> Like 9,000. It's in the first picture. >> What do you think it's worth? >> I think or probably around 9,000. It's a
>> Oh, >> I got it for like Yeah. 12 >> interest3. >> I don't know. My dad was doing all the was when when I was told. >> No accountability, no agency, no ability
to do anything. You're literally a permanent child forever. Shut the [ __ ] You're only a victim to yourself. $260.81. Do you realize how pathetic all the excuses you're making are where nothing
her. >> I pay her 150. YES. >> WHAT? SHE puts 260 to it. >> Yeah. I pay 150 of that. >> This is pathetic. You're 22. You should be paying the whole thing.
She needs to stop supporting you. This is crazy. >> No, he's back on his typing nonsense. >> I got to get this guy to call us. I I've notifications as long as this guy. Back to the chicken account. Energy drink.
Amazon. [ __ ] Amazon. [ __ ] [ __ ] Victoria's Secret again. Getting energy drink. Energy drink. Well, that might be drink. Energy drink. Well, that might be gas. Uh Arby's [ __ ] Kohl's
freestyle again. $900. >> Yeah. Dunkin Donuts, Spotify, PayPal 763. Yeah, that was 736. you'd be out of debt if you just didn't spend your money. Nails again. Hill Todd
or Tave? [ __ ] [ __ ] [ __ ] Amazon. >> Tave. That That's the bar I go to. >> Oh, great. That you >> So, you still went you still spent money that you don't have. Shut the up.
Vera Bradley Coach again Bath and Body Works bull [ __ ] [ __ ] energy drinks Journeys Ulta energy drink Claire's
something premium I don't even know uh energy drink vending machine oh energy drink energy drink energy drink Taco Bell Duncan energy drink energy
uh premium energy drink. Zotlow.net. Energy drink. Energy drink. Amazon. Energy drink. Energy drink. Amazon. Amazon. Subway. Michaels. [ __ ]
most insane chicken accounts I've seen in a long time. The freestyle thing again. Wendy's. Apple. Taco Bell. [ __ ] Dunkin Donuts. [ __ ] You spend all your money on [ __ ] Like, this is crazy. Yeah. Yeah. No. No.
No. You literally spent approximately $5,000 on [ __ ] when you make 3,200. $5,000 on [ __ ] when you make 3,200. How the no [ __ ] you're going in so far into debt and making it worse every month. You deserve nothing. Your mom
needs to abandon you so you fall and pick yourself back up and learn life. [snorts] This is insane. >> Oh, my lovely tiny savings account. >> Oh, wait. There's student loans, too.
>> I don't know. Oh, actually, we're going to call my mom in the post show and see plus loans in her name. >> Oh, well, we'll call her to get that. But for the ones you have, 900. That's it. There
>> should be multiple of it in there. >> No, no, no. Your Sorry. Your student loan says 21,866. You haven't even graduated. You're not even willing to take a fast track to your degree of choice. You're so stupid.
your degree of choice. You're so stupid. I don't get it. $21,886. >> You're in college. That's >> Yeah. student loans once you graduate. >> That's why I want to get the credit card
>> I'm being told you have concerts lined up, trips lined up. This thinks your credit score is below 600. >> Yeah, that's the one from my bank. >> I have a lot of like This is insane. This is insane. How much you owe your
>> I actually just paid off her last thing. The next paycheck I give her the 150 for my car payment and then I'm good. >> Yeah, until you're done with your car. >> No, you owe her some for Olivia Rodrigo, but you don't know how much.
because it's my sister's. My sister went to the other concert, so I'm going with You are such a permanent victim to yourself and only yourself. Let's get this budget. You're so pathetic. the minimum two payments that you owe uh to
your mom and stuff and not taking in account hers is still I mean your income not great of $488.81. What's your rent? >> How? >> I live with my mom.
is no reason you're in debt. Do you have to provide anything for utilities or No. You're disgusting. You disgust me. You disgust me. This is pathetic. Actually, this is
the groceries or do they grocery shop? >> They grocery shop. how much? >> Nothing.
>> Yeah, but I I have to pay it back. >> How much extra? Yeah, but it's reimbured >> So, I'm xing it out cuz that's included in your income of 3,200. >> car insurance. >> My mom pays it.
>> Yes. >> Do you have to buy them pet food? >> How much? >> Um, probably like 25 a month, I guess. >> A cat. >> Okay. I'll get you a $50 pet insurance.
buy you tampons and everything? >> I don't get my period with my birth >> No, I pay for those things myself. >> Okay, I'll get you a TP fund. $150. You need to survive. But I mean, they they're still taking care of your toll
more. Does that include my nails? I need to put my nails in there. >> No, you don't. Go yourself, you entitled [ __ ] Medical healthcare. You got co-pays on a monthly basis? >> Um, my mom has like a lot of them.
>> Is there anything that needs to be in this budget that I not put in? have extra gas. >> Okay. How much for extra gas? That's in >> An extra like 200. I got places. >> Oh, cuz Yeah, you got to drive around to
>> Oh, cuz Yeah, you got to drive around to get your [ __ ] filled, pretty good. >> I mean, again, I I'm shaming you, but like, go be whoever you want to be. It's It's actually fine. I don't really care.
dude. You literally have an extra $2,000 a month. Like, this is so stupid. This is so stupid. Like, your debt is paid off in less than a year. This is so
I've ever seen. It's less than a year. Then an emergency fund, you'll be perfectly fine. But you'll never do it cuz you'll always prioritize concerts. You're getting enabled and you think you're a victim and your entitlements.
But you can get out of debt like that. You're disgusting as an individual. You going to keep trying to get reach out to this guy. But here's the thing. Here's the thing. I'm going to keep trying to get in touch with him no matter what
after filming. So in the post show will be my conversation with him. Whether or not it's filmed with her or even a week from now, it will be there. So get join first. Spending in a budget, you overspend 0 to 10. Debt, you have a lot
fund didn't see anything. 010. Retirement, nothing. Okay. Everything's sense. Whatever score you took, that was stupid. Get yoursel.com. It's updated. It's better now. It's it it reflects the actual score. Uh, and uh, now come join
practically the best post show we've ever done. An extra 20 minutes, plus three premium shows every single day, Monday through Saturday. Join Hammer join button or link in the description or you can watch on the Hammer Elite app
prefer. It's the same on both platforms. See you there. I think I'm getting the >> Hello. >> Hello. Yes. So, I'm here with who you went with yesterday. But she said that
when you guys went back to her hotel, you kept trying to touch her and take her clothes off and she kept saying no, but you kept pursuing. >> I was not trying to do anything. Like, I'm just being honest. I left like me.
She said, "Oh, can you leave, please?" >> I just launched the brand new Hammer [music] Elite app available on every major platform, so you can watch every show anywhere you want. You'll get three exclusive [music] dedicated shows every
single day, Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of Hammer Elite access for free. Download the [music] the description or pin comment down below. This is the best membership
down below. This is the best membership you'll ever join.