30-Year-Old Knocked Up A Teenager | Financial Audit

It is crazy to impregnate an 18-year-old. and leave. She just graduated high. school. Did you just hear how that sounds? >> I I know it sounds terrible. >> hearing how this sounds? >> I come from Switzerland and the legal. age limit over there is 16, which I. thought was weird. dollars. What's going on with this card, dude? Uh CS. skins. What is wrong with you? Why do. that? You have a child AND YOU'RE NOT. EVEN IN LIFE. [screaming]. NEXT WEEK IS THE FINAL WEEK. DOLLARWISE.

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Dollarwise to start your free trial. Go. to dollarwise.com or click the link. below. Hi, my name is Chuck. I'm. >> [music]. >> 30 years old. I'm from Phoenix, Arizona. and I'm here to get my ass chewed. Not Okay, well, I'm not doing that. Sorry. [laughter]. Um That is a different show. Uh I will. yell at you. I will roast you. I will. not eat your whole. So, listen, man. Uh. I go in blind. I say that every episode. and it is true.

I did a little peek over. A little just a little peek over to my. document here. Now, I wanted to see what. was going on with Mr. Chuck and I have. Girlfriend got pregnant. I broke up with. her so I can play more Counter-Strike. Of which apparently is also where all. your money is going. Um. breaking up with a pregnant girlfriend. who you knocked up to play CS:GO is an. interesting uh strategy that I don't.

think I've witnessed in real life. before. Yet, here we are. What the. is wrong with you? Here's the ass chewing you wanted. What. the is wrong with you? >> Going really deep. Um so. I I mean. I up. I was going through a lot. of emotional states at that time. At. what time? When you impregnated someone. or when you left to play Counter-Strike? >> Uh in between. I had a family business I. was working on with my brother. Uh we're.

kind of Is that making skins for. Counter-Strike? >> No, no. We're uh we're doing more of uh. uh pressure washing and stuff like that. and we went through. >> When was this? This was uh 2 years ago. right now, so 2024. Which means you were. 28. How old was she? 19. Correct answer, 18. But yes. >> Yeah. I don't know what that changes. It. doesn't make it any less legal, by the. way. I I mean, yeah, our 10-year. difference is quite a bit and so.

>> Does nine change things that. dramatically? Uh she was on the border. of turning 19, so Well, okay, well, I'm glad you don't use that. excuse for 17-year-olds. >> She was on the border of 18. Huh. She was on the border of child to. teenager. Oh, man. It's not like. [laughter] I don't like I I don't think. we use the border. excuse. You're on the other side of the border, you're still in Mexico. >> [laughter]. >> You're not all of a sudden in the US. Yeah. Uh [clears throat]. >> Um okay, well, that was good. Well, how. long were you dating her? Correct.

answer, please. Before she got knocked. up. Correct answer, please. >> 6 months. Hm. We moved I moved in pretty quickly. with her and her family. >> on the edge of. You moved in with an 18-year-old's. family. Yeah. At 28. Yeah. I was living with my parents. >> And you left to play CS:GO? >> [laughter]. >> What the. Yeah. What No, no, no, just let. the. Yeah, uh I I mean.

>> [laughter]. >> there's more to the story. Well, please. I'll go through it right now for you. Please. >> Uh I had a pressure washing company uh. with my with my brother. Of. course you did. A pressure washer. Good. Are you doing car detailing next? Yeah. Actually? That's the next subject that I. was going to go into and uh. uh hopefully. But I got investors for it. Oh, investors to detail cars. Okay. I know.

Go. Okay. Yeah, sorry. >> for this. Sorry, sorry, sorry. We'll get. into that, I assume. But yes, you were. with a. uh Yep, you and your brother had a. pressure washing business while you were. pressure washing the inside of an. 18-year-old's vagina. Uh so. >> Continue. Yeah, uh had a pressure. washing company with my brother. It blew. up pretty good and went on a local news. Uh. and it we we got booked out 6 months. Sorry. >> [laughter]. >> Sorry.

>> [snorts]. >> No, that's very good. That's very good. Local news, that's I'm sorry. That's. that's so rude of me. It's so rude of. me. I'm not trying to be rude. >> our Fox like local news network, so. >> Yes, yes, I. I I know I know what local news is. Yeah. I don't think. Yes, please. And it blew up from there. It went over 6 months. um of being financially like booked and. prepared and everything with our job. >> I was on my hometown's local news. uh.

NBC station when our marching band. played a couple notes correctly. I think. they interviewed us if I'm not mistaken. You didn't have a. >> I but I was on the station, man. They. ran that. Our local Portage Northern. High School football team beat Portage. Central and they made sure to cover that. story. Um I'm sorry. I'm being rude. Please, continue. You got covered by the. local news. And we've got Fox. specifically. >> Yeah, and we blew up from there. Uh so. we were doing pressure washing, solar. panel cleaning, window cleaning, all the. bases. And.

we're doing great, making quite a bit of. money every year. Would you like to. define what any of that means cuz like. We surpassed $100,000. Okay. I was just expecting a lot more. for blew up. >> Well, for a side job Yeah, sure for a. side job, but when you use such intense. language as blow up for a metro like. Phoenix, which is in the top 10 metros, what is it? Like number six or something. in population? Like it's huge. When I. hear blow up, 100,000, not bad. I am not.

knocking 100,000, but when you use that. kind of language, where do people's. minds go? I was thinking minimum half a. million, maybe a quarter million. So But. 100, we we we Okay, okay, continue. >> a side as side jobs, so doing that what, 4 hours a day for. 5 days a week, that's pretty good money. I'm not saying it's bad. I'm just how. you positioned it suggested something. different, but continue. And uh we we. did that for our first year. Our second. year we did uh you know, 180,000. Okay.

Went into expenses. Don't know how this. gets to. knocking up an 18-year-old. I am I'm I'm. waiting for that one with you guys, but. continue. And you made 180 the second year. >> Second year and then uh third year we're. on a roll to go over a quarter million. Okay, and where was she at this point? Was she 16, 15? Like where where were we starting to. track her? We're at 19, 7. months pregnant. And that's when I left. because of all the stress. >> three? Huh? Yeah. In year three of the. business. So, >> Yeah. You knocked a woman up.

Well, first of all, you already lived. with her. Yeah. Making 180,000 a year, that's curious. Okay, so your business is booming. Yeah. Or [snorts] doing well. We moved in with. an Okay, what money are you putting back. into a business But we move in with an. 18 Okay, what money are you putting back. into a business cleaning windows? It's a lot of Clorox. >> prepped for the business as in my. brother handled all the finances. So, he. decided my brother handled all the. finances. Were you getting paid? Uh.

essentially, no. Essentially no or no? >> No. I got paid legally like close to 8. grand. What do you mean legally? Cuz we. went through a lawsuit and I was um. what I was able to find out my. statements of how much the business. actually paid. Yeah, my brother and I. sued each other for the business. >> are we doing? Uh While she was pregnant. or before? >> Uh while she was pregnant. So, my. brother decided. >> her? Huh? How'd you find her? >> We worked together at a. at a store. What kind of store? Uh Wal. Walgreens.

I was a. working in the pharmacy manager. She. worked at the front end and the manager. decided to Huh? >> get us together. Um Okay, and we started meeting in the. storeroom. I I No, no. We're just. >> No, you didn't once at Walgreens. Okay, either way. So, okay. October happens. My brother and I got in. an argument and we uh. he kicked me out of the business. essentially. I was 49% he was 51% owner. Okay, sounds like That's fair enough.

And uh He can't kick your minority share. out of the business, but he can get you. out of the building. Uh yeah, so. I didn't have access to anything That's. fair. of it and. >> Relatively. I mean, you would have. rights. uh to. to you know, revenue and different analytics, but in. terms of actually going in there and. doing not necessarily. No, and so. he kicked me out. Um the only thing I. had access to was the Instagram What was. the argument about? Uh he just didn't. think I was. working enough and so.

>> What did you say? 10 hours a week? Is. that what I heard? Well, Monday through. Friday and then the weekends if I had my. >> How many hours a week? Uh. if you count the weekends, we're. probably doing 60 hours a week. You're. not we're, you. How much? 60 hours a. week me. >> And he says that wasn't enough. Uh. according to him, yeah. Uh I'm. skeptical. I would love to hear the. uh other side of this story. >> Yeah, I I I I I wish you can talk to. him, too. That would be great. Well, I. might try. We'll see. I'm pretty good at.

that part. Okay, so great. I'm still I mean I am. still very confused why you knocked her. up though, cuz that is like the big part. of the story. >> That was another thing I I've been told. multiple times by doctors I couldn't. I had uh. infertile. So. >> Just sperm count? >> Yeah, uh no, just dead sperm, yeah. So. I was shooting blanks. But yet you. uh. So I was I was always told I Yeah.

so there was no protection on. either end. >> No. Okay. Which. >> Um Thankfully. >> Hey, how did her parents feel about a. 28-year-old moving into that 18-year-old. house? As long as I was treating her all. right fairly and. like every with everything I. >> Honestly, I I I'm not really on the. performative Twitter TikTok side. I I. really don't give a You know, whatever. consensual adults want to do, I don't. give a Obviously, I'm I'm digging. in on you a little bit, but it is crazy. to impregnate an 18-year-old and leave. Yeah. And also a little skeptical that.

you guys weren't talking at all before. that age was She was She just graduated. high school. Okay, do you Does your house sound. >> I I know, it sounds terrible. >> hearing how this sounds? >> She graduated high school, 18, legal. I. >> [laughter]. [sighs]. >> I come from Switzerland and the legal. age limit over there is 16, which I. thought was weird. And so You don't want. to start pulling that card, man. I mean, I don't know what it is in Arizona. Like.

it's different all over the country. There's 16 here as well in different. parts of the country. It's 17 in other. parts. It's 18. I don't think it's below. 16 anywhere, but sure. Like I it doesn't. necessarily matter, but the 28 to 18 is. kind of big. >> it's it's a high number. 10 years is. quite a bit. And uh. I mean, it'll look different when I'm 38. and she's 28. No, but you got an 18-year-old pregnant. >> I understand that. >> Pregnant.

>> I know. Is she still pregnant? No, no. We Our son is now 15 months. Oh, it was. born. Oh, he was born. Oh, woah. Why did you. leave her after knocking her up to play. some CS:GO because your brother sued. you? Uh so, I was going through. emotional uh. emotional crisis and. >> Well, I don't really give a when there. is a woman you've impregnated with a. baby. Show me a picture of her. Of her? Yes. I mean, it's still what we're risking. our entire life for here.

What are we doing? What are we doing? Okay, we have some bets going on in our. little chat document here about her. race. What do you guys think? 50 bucks. on Mexican currently. Okay. And who's winning that race? I don't. know. That's the only bet that's been. done. No one has countered that bet. >> I live in Arizona, so. what else do you think is there? White. people, Asian people, I don't know. Everyone's everywhere. Native Americans. No, I don't think so.

Backs again? >> [laughter]. >> Okay. Mhm. Okay. Yeah, sure. Why not? I mean, okay. Um. Okay. Uh this is like. Could have found anyone that looks like. her that was your age. Um okay. Okay. >> Uh this is like I'm just like, you know, what Everyone has their types and I. Elderly looking Mexicans.

Is yours? Okay, that's fine. Um. >> Um Maybe the birth did a number on her. I don't know. Okay, so. it's fine. It's fine. So, what do you. What do you You've been in this kid's. life? Yeah, I. I see my son I every day I'm off at. work. So, I. >> What do you do now? I I work in the in. the hospitals in the ED. I'm a med rec, so I go up to patients and ask them what. medications they take. I can get a. document of history and make sure that's. what we follow through. >> Yeah. Okay, what do you make?

Um 76,000 a year this past year. I. surpassed. >> Not bad. Pretty good for Phoenix. I'm. happy to hear that. What hits your. account on a. per paycheck basis? Uh 4,000 or sorry, 2,000 a paycheck. So, 4,000 a month. Yeah. Now, how do you. support this child at all do you? Does. he live with you ever? You just see him? You just go over? >> I just go over, take him. >> Why'd you leave her? You said you're. going through hard times. This Was that. the suing? That was the suing, yeah. So. >> Okay, well, I'm getting sued. I don't. give a You just knocked up a. woman. I couldn't afford it.

Like. >> Oh, great. That's even better for her. So, just completely leave her. What? >> No, so I we went through a mental crisis. I went through a mental crisis of. trying to figure out what to do. I I My. brother and I were in Arizona. >> to that, by the way, is take care of. your kid, but go ahead. Yeah, and I and. I want to take care of my kid. I was. there for his birth. And Oh, you were. there for his birth? Hey, a lot of dads aren't. Yeah, let's That's what I see in the. hospital. It sucks. Um Okay, you met the basic requirement.

No, I'm going to be in my child's life, for sure. And being in your child's. life, by the way, is the note that I got. is you give them 150 bucks a month to. support them, but she gives you $400 a. month to help you pay your bills. That's you you're being in your child's. life. Uh. So, I'll I'll go through my brother's uh. situation my brother. family business situation. So, my. brother and I were just in a. disagreement. I got kicked out of the. business. I held off the social media.

accounts cuz they were in my name. And he wanted them back. He ended up. taking taking going through Verizon and. taking out my personal phone number from. the business even though I was the one. the main holder on it. And he somehow he. got access to it. >> Well, he's the majority owner. I mean, he can. >> since he canceled out that phone number. and it got taken right away after. Verizon, all the social media accounts. from the business got locked out because. you needed the. uh. two like the second.

uh Sure. second login and from that. phone number. >> a mental breakdown not being able to get. into your social media? >> uh getting sued from him. What did he. sue you for specifically? >> Uh for the rights to all the social. medias and getting me out of the. business fully for my 49%. >> Mhm, and? And uh it was a shitty time. I. didn't have uh Did he win? No, I It was mutual because we went. through each other's lawyers and it was. a lawyer shared talk and I couldn't find. a lawyer that without. >> a lawyer? No, cuz I didn't know what I.

was doing. I was going through. >> Lawyers everywhere. You use Google. What. do you mean you can't find a lawyer? I. was going through lawyers and each of. them wanted $500 up front for. consultation. Yeah, welcome to lawyers. And I didn't have the money for that and. I finally found one and it was really. good. He charged me up front a thousand bucks. and he said he'll take care of it all. and I put that on a firm. Um cuz I didn't have money cuz my son. was born. My son was born. And then my time off from work to do.

paternity leave was in January. And at that time the company didn't. literally right when January hit, they. changed their policy on paternity leave. and there was no pay out. >> Okay, what settlement did you guys get? Um That's all I care about. What ended. What ended? Uh I still don't find it. excusable to leave your son's life and. the woman you impregnated just because. you're going through a hard time. I can. be with you and hold your hand and cry. with you that you went through a hard. time. We don't abandon the. person we impregnated, especially.

someone who I mean, if we're being real, people are maturing less these days cuz. uh Gen Z is the first generation in long. lines of generation with a technical. lower IQ score than the previous. generation. So, they're. It's unfortunate that that has happened, but it is unfortunately now. scientifically proven. So, yeah, they. need a little extra help. Um and so. >> up. Not really. She's she's smart. She's. going to go to school and she's She's. >> She's going to be a medical grad, so. Yeah, I was joking, dude.

>> I I know you're joking. So, but even. still, maybe they do mature a little. less. So, but so you abandoning someone. at 18 years old that you just got. impregnated just cuz you're going. through a hard time is not fair at all. No, it wasn't fair at all and I and I'm. deeply sorry that I even did that to her. and I. >> Uh-huh. I I I truly am. Uh-huh. And so. >> you get $400 a month from her and only. give her 150. Great. So, tell me, what was the settlement? Uh. settlement was uh 18,000. So In whose. direction? In my direction. [clears throat] So, he paid you 18? Yeah, to pay me out of the business and.

give me all the. >> Good. How's the business doing? Uh I I. don't know. He blocked me on all. socials, so I can't even see it. You. haven't looked anywhere? I I mean, whatever he posts online, I don't know. how old it is or how new it is. I know. he made a new business and I'm assuming. the new business cost about $180,000. To start? Uh for his new business, yeah. >> Okay, I don't really give a about. him. Okay, that's great. Well, maybe. I'll try to call him at some point. We'll see. Yeah, I want to try suing him. again cuz he did break down. Uh he broke. his contract.

>> How? >> In the contract there was uh there was. no um. he couldn't use any. photos or images of me in advertising or. anything and there's still images of me. on the website. Were they previous? Yeah, and he was supposed to take it all. down. It was all within the documents. And so, I want to sue him again, but. this time for $750,000. >> Yeah, suing people's fun. I love it. Yeah. Internet, it's about I'll pay for. my lawyer. Nope. Why Why the would I pay for your. lawyer? Cuz I was going to give you. whatever half of that pay out was. It's. going to be like a $2,000 when he's just.

going to like delete pictures. Like I. don't know. It's going to It's going to. probably going to cost more to sue him. than you're going to get. Well, I was. going to sue him for $750,000. >> Wait, how did you get to that number? >> Cuz he has a multi-million dollar home. But how did you get to that number? What's his equity? Like I don't know. Uh. it's crazy cuz his. his family makes so much money. His family? Uh she's a His wife's a. pharmacist. But you're suing the I'm suing him and I. don't know what he did with the business. to advance his war. >> luck with that. I feel like, you know,

hm. I mean maybe you guys will settle for. something, but I feel like a jury's. going to hear that and they're going to. kind of laugh. under the water. Uh it's just when you have those crazy. expectations. You remember when. Elon Musk like called that. diver from the UK who lived in Thailand. who wanted to help the kids like a pedo? >> Yeah. Remember that? The dude sued him. for defamation. It was going pretty well. and then the number that they asked in. the end in court was like an insane.

amount of multi-millions of dollars. And. then the jury kind of heard that and. like, "Oh, that's kind of a cash grab.". And then the jury sided with Elon. They. it. You're going to by asking for. an insane amount of money. It makes no. sense. I don't I don't really. understand. Like it's just I don't Okay, whatever. Whatever. Okay, so the kid was. born. Did you ever get back with her? Are you back with her? >> Uh we're working on getting back. together and Really? Yeah. Uh I What is working on getting back. together? Does she know this? Yeah. Um we're getting back together and uh. going from there to, you know, I I want.

to be in my child's life and I do. >> Yeah, but does she want to get back. together with you? >> Yeah, she's always wanted to ever since. I left. >> you game for 80 hours a week? Yeah, I. game. >> left to game for 80 hours a week. You. literally left her, got kicked out of. the business, and started gaming for 80. hours a week. Why would she want that. back in her picture? I wouldn't want. that back in her picture. That's kind of. a pathetic move of a man, of a dad. That's not someone I would ever trust. again. 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.

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my days off, I tend to play a lot of it. >> of person I would be allowing in my. life. Yeah. I don't know. And why am I also being. told, for what it's worth, that your. parents were siding with your brother, not you? I came home one day to I came. to my parents' house and to see and they. got a new couch and I asked them where. they got the couch and this was during. the lawsuit. And they said, "Your. brother got it for us." And I was like, "Oh, okay. So you guys are. uh and telling my mom like everything. that's going on." She's like, "Oh, he's. not going to sue you. He's not going to. do this.".

And I show her and he's like, "Oh, it's. it's nothing. Don't worry about it." And. then she didn't believe me at all and. she decided with like. anything my brother does. in her eyes was correct. And that's how. I felt and so I kind of like left my. whole family. They don't have my number. They don't know where I live. Um they didn't even know. >> Why? That doesn't really. So I don't even have I I don't. >> What what what Why did you go to such an. extreme step? I understand your brother, but your parents, I mean I would. understand them wanting to love both.

children. Yeah, but she didn't want to. side with me or hear anything from what. I had to say. >> Maybe he's right, dude. We haven't heard. his side. >> No, you haven't. And but she didn't. >> acknowledge that you were going through. a hard time. You were probably a. complete disaster. Yeah, I was Maybe you. were worthy of trying to get out of the. business. I I mean, I wasn't trying to. get out of the business. I wanted to. >> No, worthy of him trying to get you out. of the business. OF HIM WANTING YOU GONE. >> YEAH, I GAMING FOR 80 hours a week. No. No, I I wasn't gaming fully then.

Uh-huh, sure. >> but Yeah, but your mom just reached out. via Facebook recently. What are you. going to do? I I haven't answered the. call. So. I don't know anything that's going on. with my parents right now. It's just. that's weird. The parents thing's a bit. weird, man. >> Yeah. I it's. >> toxic on their end. Like I can I kind of. I understand the feeling, but not even. having willing to have a conversation. over a year later is kind of weird. >> Yeah, it's just not something I want to. get in with them and.

you know, Okay, so you abandoned your child, trying to get back to her, gaming 80. hours a week, staying up until 6:00 a.m. You know, I mean you are making a good. career income on your own. But not only. that, listen, she's giving you $400 a. week or a month to survive, but you're. spending $500 a week on Counter-Strike. skins and. >> Yeah. $500 a week, yet your baby mama is. giving you $400 a month just to help you. pay bills. Yeah. Why the would she. ever let you back in? I would never let. you back in. What the is wrong with. That's pathetic. 2,000 hours a month.

you're spending, yet you're taking 400. from her when she's the one taking care. of your kid? Yeah. What is wrong with. you? I'm going to make it better. Oh, great. What an answer. No, I will never allow. that answer in the history of this show. Look at you. I can tell from this entire. conversation so far that you are just. not used to pushback and you will just. deflect to the to the moon. Listen, the. answer to anything that you are doing. wrong will never be, "I'm going to make. it better.". you. You know why? Because you. haven't. Because you're not.

The answer is only in the future, I'll. do better. No, I will never accept that. That is not an acceptable answer or a. conversational point that I will ever. accept in this conversation. When I show. you, "Hey, you are doing bad." "Well, I'll just do it better." Oh, great. Great, then just leave. Oh, you already. figured it out. Good, you're just going. to do better. Then what the are we. talking about? That is not an acceptable. answer and will never be in the history. of this show for anyone that plans on. coming on in the future. Like you. What.

do you What do you expect from that? Oh, well then you're going to do better. Yippee. Like what? What do you expect. from me when you say that? Well, Or do. you just want me to let off the. gas? My investments were mainly in. Counter-Strike, just like Bitcoin. There's going to be a bubble. that it's going to go up to a one point. November popped, it's going to go. skyrocket again with all these lawsuits. coming back up. What what lawsuits? Um. they're getting sued from a lady in New. York. Counter-Strike Steam, essentially. Hey. And so they're going to get sued.

Um they're going through another lawsuit. right now and so it's going to cause the. everybody marketing over to Steam again. and buying or buying skins, reselling. skins for high profits, um making sure. everybody can grab what they can before. they wipe out the inventory that they. already have. Maybe, I don't know. You. That's a. interesting hypothesis. I mean, you're. just really betting a lot on that. What what's the How much do you own. total? Oh. >> you just bought $1,000 on uh trade-ups.

Whatever the that even is. >> Uh so there's skins in the game and you. trade them up for a higher tier and I. up completely and I bought a thousand a. thousand of this one skin for $2.30. So there it goes like, you know, 2,300. bucks and I can't even trade them up. Now I just have to hold them on until. they're valued at $3 a piece. to resell them. So you focus on that. your entire life, but you tear your son. away from his grandma. She probably wants to be in her.

grandson's life. Yeah. >> And you just don't allow that and she. didn't even do anything wrong. I I mean, my mom. did if she didn't if she didn't want to. communicate with me or didn't believe me. about everything that's going on during. the lawsuit or. >> Maybe, I don't know. But also the. lawsuit, maybe she just didn't want to. get involved, man. Yeah, but That was. it. She's not taking inside. She's just. like, "Yo, no, I don't want to listen. I. don't want to hear it. This is like, you. guys settle this. You figure it out.". That's not unfair. Yeah, I mean, she she. sided with him. She still sees him as.

family. >> Yes, she would see you, too. You're the. one who cut her off, dude. Yeah, cuz She. reached out. >> But she didn't want to reach out prior. to that. >> Doesn't matter, she reached out. She's. not It doesn't matter What do you mean? You said you blocked the entire family. everywhere. You wouldn't know what they. tried to do. That was during the thing. I blocked them all off because. >> Exactly. So you can't say she hasn't. tried to reach out. I I mean, You. blocked them everywhere. You. locked them away. Yeah. I mean, that's. it's going to stay like that. Why? It's.

just our mentality where. >> Our mentality? Who's our? Where we come. from from. >> Who's we? My family. Like that's. >> No, they're reaching out to you, No, she reached out with to me. once. Buddy, you blocked them. everywhere. She She has my Facebook. That's the only thing she has me on. And. then she reached out, Yeah. Grandmother, grandson. It's a very good. thing to have in their lives. >> Yeah, she my. my son has his grandma from. >> And there's another one as well. My son. has a great family support system. >> Not saying he doesn't, but that is also.

not fair to your mom. And listen, maybe. your brother was right on the lawsuit. Maybe you were a loser and he. needed to get you out. That's not. unsurprising. I mean, I have an entire. note in here that says you were trying. to become a full-time streamer and. you're honestly like surprised that. you're not at this point. It sounds like. you're a dude who spends all his time. money on video games, tries to stream, thinks it's going to be your career. You knock up a girl, leave. Like of. course I It makes sense that you're. probably the person I would never want. to go into business with a personality. like yours. I would try to get you out.

of the business. And listen, he settled, got you out of the business, and gave you a little bit of money for. it. Like it sounds like he was probably. in the right, or else you wouldn't have. settled. Not for that amount of money. Yeah. I would have settled for a lot. more. Or I would have gone all the way. >> I wanted to settle a lot more. I just. didn't have enough money for more money. >> know. I I I don't know, man. I don't. know. >> lawyer at the time wanted 15,000 up. front to keep continuing if my brother. didn't settle for a a certain amount of. money. Or if we didn't settle.

for that. >> This doesn't really make sense. Like I. understand why he would want you out, and I think he actually might be right. Like I think brother suing brother sad. I think it is, and I think that sucks. But he he figured he had to sue you to. get you out because you weren't just. willing to He was He was buying himself. toys with the business money. Okay. Listen, but he's the owner. I don't. care. >> it's like Like I mean that's a different. conversation. I would advise him not to. do that. >> but it's just like. what do you give to the other to the to.

the partner? Nothing. >> Well, you should be getting a 49%. distribution, but his toys were likely. business expenses. And if then that. sucks, but he is the majority owner, which means you don't really have a say. in the end. That sucks. I'm not like. saying yippee he's like a great guy who. ran the business perfectly, but I also. understand if he felt like you weren't. contributing to the work. And I don't. think you were with how much you play. video games. Um. I honestly feel like he was probably. right that you weren't contributing what. was probably deemed fair for a 49%. ownership. I I mean I did a lot of work.

for that company. I I. >> curious [clears throat] what he'd say. I. still have my video proof of everything. I was documenting. >> Idiot. Proof? Like I was I was the one. pretty much taking pictures, videography, um editing. >> For of 60 hours a week? Well, every time. every job site we worked it's a two-man. job, so it's you know, solar. bird proofing, cleaning solar panels, it's not you can't do it alone. It's. hard. And we got contracts all over the valley. and making sure. >> I don't know, man. It's difficult. I.

think you should try to reestablish the. connection of family. Especially with. the grandson. I can't. Can't? No. >> You objectively can. You're just being a. prideful dumbass. Not prideful. enough to take a little less time to be. with your kid. Not enough to spend it. with your kid. That you're trying to get. back together with his mother. Not enough for that. Not enough for. anything, apparently. And yet not. willing to allow the grandmother to be. in his life because she was probably on. the right side, if we're being honest, and also just didn't want to get. involved, which is totally fair. I don't.

know, man. Think you're the villain in this arc. Am. I? I think so. Well, leaving a woman who's 18 and. pregnant, yes. Playing this much video. games, spending that much while taking. money from her instead of contributing. to the kid's future, yes. Going back to. sue your brother for $750,000 and not. taking any pictures. I mean that's just. you're just looking for a W. You're just. looking for a paycheck. You don't You. clearly don't actually care about the. pictures if you're going just for an. insane amount of money. >> I I'm just going with what the contract. says. Yeah, but you're going for the.

paycheck. Like I understand that, and it. is your brother in the end. Not allowing. a reconnection with your with the. grandmother of your son. Yeah, no, I. think you're the villain. >> He blocked me from seeing his niece and. nephew or my niece and nephew. Okay, that is very different than a. grandmother and a grandson. They They've. been in my lives longer than Doesn't. matter. Grandmother, grandson versus. uncle situation. It is so different. And the fact that you're equating those. it just speaks volumes to how you even. view family dynamics. I I guess I just.

don't want my side of the family to be. involved with my kid's life. That's so not fair to them when they. didn't do anything wrong. Your brother, maybe. Okay, maybe. The other ones didn't. [clears throat]. My mom wasn't very supportive of the. whole situation. >> trying to be involved. And that's fair. >> side. In what way? How would you explain. >> them and take whatever he said, she was. taking his side, and she didn't want to. try to do this. >> she putting you down? She didn't want. any confrontation with my brother She.

didn't want me to have confrontation. with my brother and like my brother's. causing it. Like. I I have no. >> want to get in the middle. That's not. unfair. That's not her taking his side. She just didn't want to stand up. She. would probably listen to you, listen to. him, and just like la la la, I don't. care, stop fighting. That's not just. like, oh, I support him and you, son. She didn't do that. That's not how. you described it. She didn't want her. kids to fight. That's not unfair. You. cut her off for that? What is wrong with. you? You cut her off cuz she didn't. stand up to him for what you see as.

unjust. Yeah, but she would stand up for. me. >> exactly it. Stand up to me against him. What? You didn't say that. You didn't. say that cuz all you keep saying is that. all she would do is just like not not. stand up to him. That's not not standing. up. >> were different, and so whatever he. >> Give me examples. >> He would tell her that I was a piece of. or didn't do something. >> go up to you and say you're a piece of. >> She'd be like, well, why don't you why. don't you confront him and do this? And. I was like, I have. >> There we go. That's not her being bad to you. She's. saying, hey, why don't you have that.

conversation? This isn't for me. And we. do have that conversation. >> not her being bad, Her saying, hey, you have that conversation with. him, I'm not the guy. That is not evil. of her. What the is wrong with you? And you prevent her from seeing the. grandson for that? You're gross. That's. gross, man. That is gross. Come on. She didn't do anything bad. >> She She took his side. >> No. You haven't given me an example. Your example of she took his side is her. saying, hey, talk to him instead of me.

That's not taking his side. No, she she would say, do this and do. this. Well, I tried. >> what? What do you mean? >> So, text him, message him. My brother. IT'S THE SAME THING. SHE'S SAYING. REACH OUT TO HIM. >> DOESN'T MATTER. SHE'S SAYING REACH out. to him, don't talk to me. That's not. unfair. She didn't want to get involved. She's saying reach out to him, not me. That's not taking his side. How do you. see that as that? What is wrong with. you? And then I get a text message from. his on my son's birth. I get a From who? From his wife. Doesn't. matter. That's not your mother. I I.

know, but that's how I had to get in. contact again. >> Doesn't matter. That's not your mother. You're punishing your mother for. nothing. Well, she didn't believe me on. any of it. >> No, you you you have not said that. All. the only examples you have said is, hey, she said talk to him, not me. Yeah, but. she when I got the example of a text. message and I showed her, she still. didn't believe me that that's what was. going on. >> What did she say? And don't make it up. now to just make your point correct. after you've been proven wrong like five. times. So, my in-law said that she was. going to give me I don't give a. about your in-law. What did your mother.

say, She's like, oh, that's not. them. That that's not That's not how. they're treating you. Okay, and I was like. >> specifically what she said? Yes. Okay, in terms of what context? Of my in-law. sending me a text message about, hey, give us all of the social media back and. we'll pay you $30,000. And I'm like, why. am I getting this from my brother? He. had He had a way to contact me, and he. didn't He did it through his wife. And. you said what to your mom? And I showed. her the text message and everything. She's like, oh, that's not that's not.

happening. That's That's not how this. is. I have a hard time believing that. after every example you tried to give. give me was not that. The fact that you. only held that till like the sixth time. I pushed on it. That should have been. the first one. I feel like you have to. be making it up, or else that would have. been one of the first couple things you. would have said. >> Sorry. It made no sense that you led off. every single time with, well, she just. said talk to him instead. This makes no. sense, man. This makes no sense, and I. feel like you're bullshitting me just. cuz you were clearly You were clearly in. the wrong multiple times. >> cuz I had a very hard time dealing with.

all this. What do you mean, buried? I I I was. having panic attacks. >> Sure, I'm I'm sure you did, but why'd. you keep saying the same example five. times in a row? And then finally, after. I called you on your you're like, oh, oh, you know, what? Let me just say. this instead. It's been two years, buried. I wanted to. forget about it, and I now it's slowly. coming back up. >> gave the same other answer five times in. a row. And I wish I didn't. Just like. you wish you didn't leave your kid. I. Yeah. Okay, so 2,000 hours a month going to.

video games. I just don't understand it, man. Have. you ever played Counter-Strike? Yes. Okay. What do you think about it? Uh Uh? Uh. You're a more of a Halo guy? Uh I. guess. I would I don't know. It's This. is not my type of Neither of those are. really my type of game. I did play more. Halo growing up. I I mean it's a. first-person shooter. Yes. >> You make You. >> defining what the game is to me? I I. just said I played it. I I know, but. it's just for people out there that. don't know how to play it or don't know.

anything of it. Okay. And. >> Not sponsored. So, listen, you make good money. Why are you trying. to go into. You said you want to go into car. detailing and you have investors? Do. they even know who they're dealing with? A piece of that backs out of. everything and. creates feuds and blocks people for no. reason? Do they even know? I I'll be. honest with them and have contracts and. making sure all my. time and money. is invested. >> Great. What is this? Tell me, what's. happening? I I want to.

put a car detailing business out there. I have a truck for it already. Oh, sick. Um Was it purchased for this, or. is this you already had? >> Yeah, this is already had. Oh, okay. >> So, it's a 2017 Titan XD. Um it's lifted. It can put all the. equipment in there. Sick. Okay. Continue. I I just want to I I just want. to venture into a different kind of. field of car detailing cuz we don't see. it a lot in Arizona. RV. >> Yeah, it sucks that you're making only. $80,000 a month. And Brandon Phoenix one. and raise, is that true? Is there no car. detailing in Phoenix, Arizona, the fifth.

or sixth largest city in the country? Okay, there's a ton. No, there's a ton, but in a in a different in a different. different tactic. Oh, the tactic is we. clean it No, no, no. Counter-clockwise? No, no. Okay. Yeah, wax on, wax off. But. no, we I want I want to invest into. branching out, so I want to start. doing RV detailing cuz we don't have a. lot of those out there. RVs? No, there's. there's a very We don't have a lot of. RVs. Let's get into business for that.

then. A lot of RV detailers. Well, it's. almost like the market has a demand for. it then. It is [clears throat]. demanding. Cuz we I And there would be. more RV detailing cuz detailing is not. new. You're not inviting inventing a new. niche. It's hard. >> Buddy, out of all the things in this. world, I think people can clean some. RVs. I'm not saying I'd be good at it. cuz. >> I I hear a lot of stories of people. hiring somebody for like 500 bucks to. detail an RV and they don't know how to. wash it. They scratch up the decals on.

it cuz they don't have the right right. brush bristles to be able to wash that. Um All right, we we just. just simply Googled RV detailing and. over 50 immediately popped up in the. Phoenix area. Over 50. We haven't even. gone further than that, but we know it's. over 50. And then I want to go into. off-road vehicles. >> Okay, no response to that. Off-road. vehicles, yes. So, detailing those and. then I want to be able to in 1 year. time, I want to be able to branch out to. Scottsdale and Deer Valley airports to. start doing private jets or Cessnas.

Which definitely doesn't have people. already doing that. No, I know I I won't. Buddy, I'm sorry, man. What are we doing. here? You actually have a good job and a. good career. That's not something I get. to say often times on this show. But I I. I. >> What the Why why do this? I don't really care what you want. It's. it's You're already doing well. You're. already doing You don't even have time. to see your kid. You're spending $500 a. week on CS:GO that you're pumping 80. hours a week into. Like this makes no.

sense. Where where is this time? You're. trying to get back with her, yet you're. immediately doing what is going to be no. time and damaging to your relationship? Make this make sense. This doesn't make. sense. You want to do a thousand things. at once. It's not going to add up. And. plus, you don't get to part-time this. and be as successful as you think you're. going to be. I think if I go back into. doing a job. versus gaming, I'll quit gaming. altogether. >> have a job. >> no, another side job. So, it'll it'll.

just push me out of from there. >> man. You're kind of an addict. You're. spending an insane amount of money. You're an endless gamer and you're a. CS:GO point clicker. Like buddy, you're. sweaty. That is. I know you're addicted to that life. There's no way you're not. We're all addicted to something, but I. Exactly, and you are that. I don't think. all of a sudden you're going to be. cleaning RVs and like, oh, wow, I no. longer have the desire. I I need to pick. on something that's going to get me out. of something else. I I'm that kind of. addict. Yes, but I don't think you'll be. addicted to cleaning RVs. I think if I.

push my mind. like I did the business mind. >> When I when I when I started up the. business, I didn't do anything else but. work. >> start up a business 49% owner and you. got kicked out cuz you weren't providing. enough value. At what my brother thinks, but I At one point. >> seems to agree with except for you. Yeah. I I. >> Who didn't even potentially the legal. system, which is why you only got a very. micro dick settlement. That's what he. wanted to pay for at the end and I. didn't want to push it. >> there wasn't enough of a W on the other.

side if you kept going. I just didn't. have funds to keep going. Right, but if. you knew you were going to win a big sum. of money, you would have borrowed for. it. Well, who was I going to borrow. from? Personal loans, bank. >> I couldn't get any credit cards. I. couldn't get any any of that. Yes, you. could. You could get credit cards, absolutely. Anyway, Not after 15,000. No, but you could open like a thousand. Dude, it's so easy these days. It's. actually really bad. If budgeting apps. make you feel like this is for. you. Most people who struggle with. budgeting aren't irresponsible. They. care about their money, but they get. overwhelmed every time [music] 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 they're failing. Too. many categories, too many rules, too. many red alerts screaming at them about. what they did wrong. [music]. So, of course they stopped opening it. Not because they don't care, but because. it makes them feel worse. And here's. what nobody talks about. 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. If you ever thought, "I just want. to know where my money's going without.

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see if you like it or 10% off your order. at gamersupps.gg. or click that link in the description. below. Type in code Caleb. I've already. gotten rejected from trying to open up. another one if I did. >> going to other ones, buddy. You could. totally go to like Credit One. I'm not. saying do, but if you were so confident. that you were going to win, you could. have put enough money together with a. potentially different lawyer that would. have accept an ongoing retainer of a. couple thousand dollars at a time. instead of 15,000 up front. That. wouldn't make sense. I wish I had better. advice when I was doing this, but.

I I didn't I was pushed into a corner. >> [snorts]. >> That's what I felt like. Can I just be. honest? Yeah. No, like I haven't been, but. I mean, your finances are probably. That's why they're on the show and this. is what we're about to look into and. I feel like I've achieved enough of the. baseline understanding of you to get. into it. But the reality is here, just. be a good guy. Few things. Give up your. pride. It's a sin in every religion for. a reason. All religions agreed. They don't agree.

on much. They all agreed on that one. No. killing, no pride. Okay? Some of the big. ones. So, give up the pride. Reconnect with. your family. Not necessarily saying. brother, but at least, you know, maybe like uh. you will accept his existence, but even. still, just go be in your kid's life. whether or not you're with her. Stop. taking money from them for your video. games. And continue your career. for the sake of your kid's life. Pay off. your debt.

There you go. I would just do that. Be a. good guy. That's it. You're set up. already. You do not need to do all the. that you're trying to do. This. makes no sense. No sense. No Oh, this is See, this is. sad. This is what you need to give up. I. mean, I've had feuds here and there. Even the people I hate the most, I. wouldn't wish them this. Uh Cultist says. Chuck says if he got a phone call. tomorrow saying his brother had died, he. doesn't think he'd care. No, I. That's horrible. >> I buried I I already buried him in my.

mind. That's insane, man. >> Yeah. It's it's sucks. >> lawsuit. He didn't kill your son. or something. He didn't even wish. Did he my bro And that sucks. Maybe he's. not the best person, but be the better. person. >> Yeah, and I I No, you're not. In no way. are you. He like cut everything out. Like my niece and nephew were in my life. quite a bit. >> Buddy, you blocked them all and moved. the. What are you saying? You did that. I I did, but I was I I was forced in a.

corner and I didn't. >> to try to call his brother in the post. show. Buddy, listen. What do you think your financial score. is zero to ten? Zero being the absolute. worst, ten being the absolute best. What? It's a 580. I'll tell you right. away. It's. 580? I said zero to ten. Is this score. Yeah. You said what your credit score is and. that's where my my mind. >> your financial score is zero to Maybe if. you actually listened instead of trying. to answer. It's a Zero to ten. Zero. being the worst, ten being the best.

Where do you think your finances are? >> Two. If you want the score and you actually. want to get. like a real answer instead of just. jumping to conclusions, take the. assessment at CalebHammer.com. It is. free. Just takes a few minutes to where. you stand in the world of money, where. you're doing poorly, where you're doing. great, what you need to do to improve. It is awesome. Check it out. Like. literally over a hundred thousand people. have. See where you stand in the world. of money. And make sure if you don't. want to be like this guy, download the. Dollarwise budgeting app. It is. absolutely incredible. There's a free. trial to see if you even like it. It is. actually simple, easy, getting on board.

and actually immediately seeing where. your money is going like that. Unlike. those other stupid complicated budgeting. apps that have honestly the market in my. opinion made it too complicated for the. normal person to budget. Check it out, dollarwise.com. Sign up for the annual. version if you like it because it saves. you 50% and you will get my personal. monthly meal plan. You can meal plan on. a daily, weekly, monthly basis. It is. incredible, even including drinks and. desserts and everything. I will sign. that and mail it directly to you. It is. awesome. Check it out, dollarwise.com. Just get any of these documents, man. All right. City, Costco, anywhere. I.

know it ain't for diapers. No. >> What CS skins are on that you get at. Costco? None. Steam gift cards, no? No, no. If. they had them, I'd buy them, probably. Cuz that's where you would save the most. money. $8,493. What's going on with this card, dude? Uh. CS. skins. So, it is CS skins. What the is. wrong with you? How is this the play? How is this the play?

>> It's a marketing tactic on. >> Marketing tactic? your marketing. tactic cuz I know in this conversation. with Colton you were doing beforehand, when you were going over those numbers. you were like, "Well, this is America's. fault. It's capitalism's fault. If I. lived in Europe it'd be better." You, this isn't America's thing. This is your. personal choice. This isn't America's. fault that you were in this. You can't. just deflect and blame everything like. you were doing on the phone call with. him. What do you mean America's making you in. this situation and everything would be. better if you went to Europe? How? You. would still be an addictive that. spent all the money you'd get, which.

would be less money over there, on. CS:GO. How's this America's fault? This. isn't America's fault. I I I said that. out of. how how it's easier to make money inside. money over there in Europe versus in. America. >> What? It's easier to make inside money? Uh side money. Like cash and stuff like. that if you. >> way? You can do like. neighbor tours and stuff like that. So. like. >> tours here? What do you mean? People. don't have money to spend on other. people for for Objectively incorrect.

compared to any European nation besides. micro city-states, our disposable. income, which is income after everything. important, is higher in the United. States than anywhere else in Europe. except for like the micro dick states. where it's like a city that completely. over boost the numbers cuz they don't. have any rural populations bringing it. down. What are you talking about? That is. statistically incorrect. >> I guess I'm wrong if you have the. >> Yes, you are wrong. But I. We don't have a VAT tax, they do. Their. VAT tax across their entire middle and. lower classes to pay for their entire. social welfare state, which you can. advocate for if you want, dramatically.

makes their disposable income less. And. that's fine if you want that kind of. culture, but they do not have as much to. spend on the Why do you think our. consumer culture is so extensive. compared to every other country? It is. because of our culture for sure, but. it's because we also have the means to. do it. Even our poorest people here are. fat. That's true. What do you mean? What are. you saying? Where did you pull that. from? You just pulled that out of your. ass, man. You just pulled that out of. your ass. So how are you saying I could. just do better in Europe? You have. America going to make you spend. $8,493.53.

on interest accruing credit card debt on. CS:GO go skins? Is that America's fault? Capitalism didn't do that, you did that. I did that in the mindset of. >> the are we doing? How can you say your life would be. better somewhere else? Grass is always. greener. Europe is great in many ways, don't get me wrong, but you can't just. say all of a sudden the life would your. life would be Well, your life would be. different, but not in the way that. you're just advocating. >> wouldn't have a PC over there cuz it. would be too expensive to afford, to be. honest. >> Yes, your income would be dramatically. lower. I just think everything in.

America is too easy to get to, like. spending-wise. Then don't. You know, you are the one that gets to swipe. Yeah, and I'm the one that's. doing it. >> the government to baby you and bring the. income per capita down so you can't. spend? No, it's just You need the You. need policies in place to make sure your. income is lower so you can't spend. money. No, it's just What are you advocating. for? >> It just makes it too easy to spend here, I guess. What are you advocating for? A.

policy to make it harder for you to. spend? Oh, no, it's just Then what are. you saying, dude? What are you saying? Advocate for something. Have some balls. What are you saying? I'm just saying. that. getting a getting this credit card and I. got and I immediately started spending. money. I wish I didn't spend the money on and I. ended up doing it because I thought it. was a great investment for the future. Oh, you're a. Oh my Can you think that's different in. Europe? I wouldn't be spending as much. Are you sure? Listen, here's the thing.

I don't know if you have them. What do. you think of buy now, pay laters? Do you. have any of those? You know buy now, pay. later? The pay fors? Oh, the firms and all that. I have a firm. >> dangerous, too, right? >> is. Isn't it dangerous? You know, Europe. started that. That's Scandinavian. countries. That's aggressively there. What do you think Klarna is? That is a. European country. It's pretty much the. only thing they've done besides making. caps on water bottles they attach to the. And they advertise the out of that. here in the states. Uh-huh, that was. started there because that's in their. culture. They're less credit card. culture. They don't credit card, we. credit card, but they pay in four.

German culture, pay in four extensively. forever. It was baked in their culture. since almost like the beginning. They. just had different versions. I didn't know that. Yeah, because you. know nothing before you advocate for. anything like every other. dumbass in this world. Buddy, you would. be paying in four in your skins just. like you're putting them on my credit. cards here. I I'm glad I never did pay in four in on. skins. But if you had your way and you were in. that different culture you would, is all. I'm saying. Okay, your minimum monthly pay You only.

paid $2.63 last time, but your minimum. right now is $539.38. $539.38. with And but then you spent $560.59. with interest of. Oh, that's why the minimum monthly. payment's so high. You're over the limit. by $300 for CS:GO skins. Yeah. You're a broken individual. That's not. America's fault. That's not your ex's. fault. That's not your brother's fault. That's not your mother's fault. This is. you. This is you cannot control yourself. to save your life. This is because.

you're an immature little baby. You know what a young cut off your. family does? What a high school teenage. daughter does when she gets upset that. she can't go out and party. Just silent treatments and blocks their. own family and locks herself in a room. That's what you've done in adulthood. You're a child. Yeah, I'm a grown child, but. I'm sure I'm going to make this money. back. No. No, well, I mean how? How are. you sure? The bubble already burst in. November. I'm hoping it's going to go. back up. It usually takes years for. bubbles. I'm hoping what's going on with.

the lawsuits it's going to reformat. where people are just going to panic. sell. and buy. Panic sell? >> Panic buy and panic sell. Well, panic. sell brings prices down. Yeah, but. they're they're. gradually going back up right now. Sure, but if they start panic selling. they go down. As soon as I see the next. wave, I'm just going to put everything. on the market. >> said the lawsuits you think are going to. lead to panic selling. If if they.

>> [snorts]. >> I I mean they're going to go into panic. sell. >> thought or anything. Oh my gosh. Why do you have opinions and. uh. >> [laughter]. >> and expectations of things that you. don't think about for more than 5. seconds. But I'm not even necessarily. like I wouldn't even consider myself a. necessarily intelligent person in this. world. I'm kind. Okay, you know, I I try to read as much. as I can, geopolitics, finances, business. I really do. I I try to learn, but I'm a. I accept that. But at least I think.

about something. A big grand strategy for what I'm. implementing over the course of years. for more than 30 seconds. Yeah, I was. always told I I should think before I. speak. >> It's not thinking before you speak. I'm. not saying that. For years you were. preparing for a bubble. You're saying. the bubble is going to happen because. these lawsuits will lead to panic. selling. Panic selling means the market. goes down. What the is wrong with. you? You have no thoughts in this world. I'm hoping to put it up before the panic. selling happens. Okay, but the market.

hasn't recovered since the bubble has. burst. It's gradually going up. >> Gradually going up is not the market has. recovered since the bubble has burst. only 4 MONTHS AGO. MAN, OH MY WHAT AN IMPOSSIBLE. CONVERSATION. OH, BUDDY, how long do you think this. takes to pay off if you only do minimum. monthly payments only, which is what you. do, no more, and you don't purchase, which you're incapable of, and you're. over maxed? >> it's 5 years. >> Okay, it's 19 years. 19 years? >> Your kid who you have no interaction. with likely for the rest of your life. because all you do is spend time and.

money on CS:GO will be, in fact, midway. through college. Very good. Amazon. Amazon. Amazon. The you get it on Amazon? $800 in interest accruing. What the. wrong with you? Pull up your Amazon. Let's see your Amazon. Pull up your. Amazon. What is that brand even? What are you. wearing? Cuz you really wanted to flex. that brand today, double logo. Which is a clothing partner that I'm. with from my. Twitch sponsor.

You have a Twitch Okay. Well, I guess I need to learn about. that. Tell me about it. Your Twitch. How much do you Is this why. you're gaming 80 hours a week? >> When I stream, yeah. I mean, I don't. stream very often currently. How do you have a sponsorship? What have. you What did you make from the sponsors? Uh Of which you are doing negative help. to. I got paid out $800 in December, which was kind of nice. And uh. >> $800 for uh promoting their $800.

>> months? For just December. Yeah, they. gave you $800. >> Yeah. Why would the company do that? Uh cuz I I was people were clicking on. the links and purchasing their clothing. So it's an affiliate or brand? >> it's a partner brand affiliate. No link. in the description, by the way. You. purchase Gamer Supps instead. Better. affiliate cuz it's 40 cents a serving. through my link. Make your energy drinks. at home like you make your coffee at. home. Save some money. Get your free.

samples to see what flavor you like. Link in the description below. Use code. Caleb to get those free samples and. order the flavor you like. 40 cents a. serving. No more $4 energy drinks at the. gas station. Okay, you got office chair. chair wheels cuz I guess you had none of. those. He has new gaming monitors cuz. your frame rate wasn't good enough. >> That was a gift. For who? Uh friend. His He went through a. crazy time and somebody broke his. monitors, so he needed a new one. >> I He got angry and broke his monitors? >> Not him. Somebody in his household. Okay, micro SD card for your Switch,

probably. Lots of Red Bulls again, that is. Use Gamer Supps. It First of all, everything tastes better than Red Bull, but that certainly does. Use Gamer. Supps. It is so good. It's seriously so I I've never tried it. We're working on our own flavor right. now. Nice. Uh should we Brandon, you. want to go get him a make him a little. sample of our flavor? Potentially our. flavor, that's not 100% known. Yeah, you go make him a little sample. Give me a full review. All right. Do you like it strong or weak? You can.

make it strong. We'll do the full full flavor honest. review. Yeah, I mean it's going to be. strong. You can't complain that it's too. strong. Yeah, lots of gaming gaming. gaming gaming Okay, wait. something was in the cart. No, it. wasn't. Last live one month ago. What are you. doing? If you actually were making money. off of that, what the are you. doing, man? I just. have to prep for everything and I prep? I just a mentality thing. I. I have to set up here the PC and OBS.

>> average viewers of 80. Yeah. Okay. It's not really a career. You thought it. would be a career by now? Oh. Oh. What's up? Oh, that's why. Dude. dude's streaming at. Dude streams from midnight to 4:00 a.m. Yeah. >> Who's watching? Uh around the world. Yeah, but. that's probably not the best that well, you guys get any subscribers. Even.

though actually with 80 concurrents, you. should be getting a couple of new. subscribers at least Twitch primes. What the are we doing? I don't. think you're streaming at the right. time, dude. No, I'm not. And that's the. problem and. >> Well, why are you streaming it from. midnight to 4:00 a.m.? Twitch is your. viewership is 80% USA. That actually. really doesn't make sense. What time do you get home? Uh I get home. around 11:00, 11:30. From work. Buddy, this doesn't make any. sense.

Oh, You can't see revenue on the. mobile version, can you? N-. I don't get any very much revenue on. there. How many subs do you have? Not. much cuz I don't even advertise like, "Hey, subscribe to me." or anything. I I. do it terribly. And that's that's the. problem that I'm having with them. >> like Um. >> rough. And I just rebranded from my. previous name to this. And uh it went. you know. Dude, just a. CSGO gamer not something an 18-year-old. and left. That's really all this is.

>> Yeah. That's all this is, man. That's all this is. What are you doing? I'm sorry, a little. bit loser behavior. Who. Uh I don't even know. Really? Cuz that's. like the one person you. Okay, you follow On the Pixel, Nadeshot. You don't know who it is. It's one of. the three people you follow. >> I think the. the a friend. A friend or an attractive. woman you want to. No, I think it's my co-worker's girl uh.

fiance. Mhm. And he just told me to. follow. This doesn't make any sense. If. you're making no money, why the in. August 2025, are you spending $8,000 in. a single month on CSGO? Like it makes no. sense. You're making nothing. But I. would allow you to spend what you make. I would allow you to spend what you make. on just Twitch. Okay, I would I'd rather. you spend more time with your kid. But, you know, you didn't. Yeah. Yeah. Energy drink. This is our potential flavor.

Yummy. Hand me one. I got you one, big guy. Thank you. Let me see. >> I made it strong. Quite strong. Well, no, actually. I don't think it's pretty nice. Not the official flavor yet. Tangerine or. >> No. Freak. That's what I'm getting off of it. Like. tangerine or mango? Cherry apple. I.

wouldn't. >> This one. Yeah, I wouldn't have guessed. >> know. We don't know for sure. Might be. We're testing. Testing. What do you. think? You're getting very caffeinated right. now as you Sip. Oh, that's it's actually pretty good. I. would I would never put cherry and apple. in a I I don't know anything that comes. in a cherry apple. It Ladies and gentlemen, we got a. winner. You'll be able to taste that. soon. Um what we're going to dial in it in a. little bit. Okay, Apple Card. Uh. bottom of my iPhone. Now for $3,749.15.

Uh no. Uh that was that was when I made. a mistake of spending $2,000 on that one. skin for a thousand of them and. >> Oh my. dude. Okay, what is your portfolio. worth? Portfolio. Um. It was a That's right. It it fully. tracks it, doesn't it? I wish it did. Might need to sell these, pay off the. cards, and actually be a father. >> You guys have the paperwork, the. statements of how much I spent from. Steam, right? Oh.

Oh. The man. Okay, these are two Oh. Buddy, just what's your value? What's. your estimated value? This is five. pages. Dude, just just look at this. This is just one page, two page, three. page. That was two pages. I am so. excited for you guys to finally get your. hands on what I've been working on for a. year, the brand new DollarWise budgeting. app. And listen, [clears throat] I get. it. The first iteration was a disaster. Many reasons from working with an. external agency to 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 investing. millions of dollars and hiring dozens of. people, we've completely rebuilt. DollarWise and it is truly incredible. And to celebrate, I am giving you some. insane deals to sign up for the first. time or trying it again after you used. the shitty version last year. But these. deals only last through March 31st, and. then they're gone forever. Download now, take your free trial to test it out, and.

get the monthly plan at a 33% discount. for 3 months, or take the annual plan. for an 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 31st, the cookbook is gone forever. So, this. is literally your last chance to get it. Don't miss this opportunity of a. lifetime. Download DollarWise and start. your free trial. Go to dollarwise.com or. click THOSE LINKS BELOW.

>> [applause]. [applause]. >> GOOD MORNING. I'VE BEEN looking forward to this for. the last year and a half. Once in a blue. moon, a game-changing paradigm shift. takes the industry by storm. Financial. audit has changed YouTube forever, and. DollarWise is about to alter the future. of personal finances we know it. Ladies. and gentlemen, it is my pleasure to.

introduce the next big thing in. budgeting. What? What are we doing here? Guys, what are. we doing here? What are we doing here? What is. What are WE DOING? CALEB! CALEB! CAN YOU SHOW THEM THE NEW DOLLARWISE. LOGO? Introducing DollarWise. reimagined. >> [cheering]. >> DollarWise. Rewrite your money story.

The old DollarWise is dead.

Page four, page five, page six. What a. joke. And those are all just expenses on. That's insane. Yeah, this is. everything from Steam. Um I'm hoping. it's around 120,000. >> What the. So, you're suggesting you paid about. that? Uh less. You're just really hoping to win a. buddy. I don't know. This Apple Card. $161.95. a month takes 17 years to pay off. It's. almost uh. ripe for another one. Yeah.

It's outrageous, but I said it's almost. impregnable. For you. Oh, man. It's how I go there. No, I did. Apple bill. Superstar Car Wash actually in the. desert. I will accept it. Nitro monthly. Already pre-grooming someone on Discord. And then HBO Max. I don't think you need. HBO Max. What do you HBO Max is. incredible. I I mean, YouTube Premium, HBO Max, Apple TV. And I think you. That's like everything. Okay? And Hammer.

Lee, of course. But besides that, you. you don't even spend You just game all. day. What the What. What time do you have for HBO? I I have. HBO cuz it's the the three-pack, Disney. Plus, Hulu Plus. um to together plan. What? Not with HBO? >> Yeah. They had a they had a. they had a. subscription plan that was HBO Max, Disney Plus, and Hulu at one point. >> do you need any of those anyway? Disney. sucks and. Hulu sucks. >> I I watch it sometimes. I'm watching it. on the go while I'm here in Austin and.

YouTube, man. YouTube is everything. Uh. is there a YouTube on there? Mhm. Probably somewhere in here, but. that's what I would do. Cancel this. >> subscribed to you. Good. Then cancel. this. >> I only did it because you said it was. free and I said I'm getting my. reimbursement. >> Okay, well, let's bring Christian and. you can confront him. I'm just going to. take a look at your Cuz you're. You guys were advertising, "Hey, subscribe to Caleb Hammer." and it said. you could. >> proof of purchase? And there was no way. No, you click on the link, there's.

nowhere to submit a. >> Impossible. It was literally at the. bottom. That's a complete. >> say it didn't say submit your proof. >> lie. No, it just went straight to your. website. Okay, so how did literally tens. of thousands of other people do it and. you couldn't? Cuz it there was no submit. proof of purchase anyway. Tens of other. thousands of people have done it. Why. could you not do it? >> wasn't there and when I clicked on the. >> there. Yes, that's a good question. Where is he? Get him. He's the one who. runs Hammer Lee. This is impossible. It. is impossible that you are I mean we got. a we got a couple customer support.

inquiries but we dealt with them. Yeah, I didn't I didn't message you guys or. anything. >> Was it after the promotional period. ended? Was this the time in February or. January? >> January. >> Or January, yeah. So So you did it in. February? >> I I subscribed in January and. >> submit proof of purchase in February? Uh. that's probably when I was probably. looking for after I remember it. >> Well, that was the end of the the promotion. was done. That's Are you stupid? No, I. didn't. >> No it wouldn't be there. Well, all right. Why the you That is not.

our fault. Are you stu- What Are you actually stu-. >> [clears throat]. >> I'm sorry, that's moronic. You can't. complain about not being able to submit. the submit the proof of purchase outside. of the promotional period. Tens of thousands of people literally. did it. They were perfectly fine. How can you complain about that? When I. clicked on the link, it it just brought. up your website. There was no way to. click on it. >> IT WAS DONE. SO IT WAS NO LONGER THERE.

OKAY. I. >> CamerElite.com still exists to this day. No, you can't take advantage of a. promotion that is already done. What do. you mean? At the time we're filming this, the. cookbook's going to be done at the end. of this month. When people go to DollarWise.com after. that, doesn't mean the cookbook should. still be there. It's going to be done. It's going to be gone. Promotion's done. What do you mean? That's the dumbest. thing I've ever heard in my life. Like. what the am I supposed to do with. that? I can't help you if you are dumb. to not follow instructions. Okay.

Right? Yeah. Can we at least agree on. that? That is not our fault nor our. problem? I I guess unless that I had a. cash error on your website and it didn't. >> What? Yeah, a cash error. >> If you so were trying to submit when the. promotion was done. >> I I'm just saying what I saw and it. wasn't there. Because it was in February. when the promotion was done. >> I can't remember if it was in February. or January. Well, I can't see, >> already done. >> you reach out to support? >> No. Well, that's also your fault.

And you I was coming on the show so I. thought I'd bring it up. Two months. later? Oh my gosh. So he doesn't reach out to support yet. is complaining to be a victim. Submit. tries to submit outside of the. promotional period and is claiming to be. a victim. No wonder your brother tried to get you. the out. I want I want to get you. the out of my studio. Okay, hundreds of dollars of interest. accrued. This is so stupid. Oh, here's. Affirm. We love Affirm. So you are a buy now, pay later boy.

Yes, we all are. Nope. They go on the. show. Uh these days, yes. It's getting more. and more common. $3,008.77. What are you even using? What are you. even getting on here? >> Uh PC parts. You haven't even Then what did you get? Uh graphics card, RAM. >> graphics card? Uh 5070. >> [snorts]. >> Um RAM. >> Isn't 5070 Ti the one that's considered. like the good best value for the money? >> that one for free. Why'd you buy a 5070.

then? Uh I bought a 5070 and then I got. a 50 70 Ti uh for free at a store for. winning a competition. Did you sell your. 5070 then? Uh I still have it. I I'm. thinking about selling it. >> Well, you don't have any money and you. have a lot of debt. >> Yeah. And then I went into a PC store in the. back in the dumpster and I dug through. it and I found a 4060 Ti brand new in. box. That works. Some trying to sell that I'm. trying to sell that one, yeah. Okay, great. [clears throat].

Okay, you have a child of which you take. money from his mother. Sell your graphics cards, Dude, what the What the. wrong with you? >> [snorts]. >> I just I hope to never become this. pathetic. I really do. I really do. $752 and. Also, it's just like I'm being like I'm. being rightfully mean to you yet people. will still see this like the weird. virtual signal virtue signalers on the. internet will still see this and like. Caleb's only mean to women.

It's like. No, this guy's a pathetic piece of. and I'm calling him out. Not because of. that but just like I call people out how. they are. $572.86. a month is what I'm guessing it is if. it's actually paying for. We'll see. Okay, Amazon Chase card. Well, we know you already spent on. Amazon on another card but. Uh. >> [sighs]. >> 9 years to pay this one off. $2,326.23. $136.84. is owed on here.

On a monthly basis. Uh no purchases but interest accrued. only made the minimum payment so you're. going to have this for 9 years. Uh. Okay, you were late last month last. year. You had a late fee last year. Uh. Ah, the shock the the face of shock that. every guest has when I tell them that. On Amazon? On Amazon. Chase card. >> What was the I don't know. I don't have. the month. I just know it happened. within the previous year. 2025. What were you getting on this card that.

you were late on? [clears throat] Can I. Can I see it? I'm sorry. Well, you're. not going to see anything but yes, here's the fee that's a late fee. That's. the number that a late fee is on Chase. cards. Yeah, you learned nothing. >> No, it's 1212. Um. I thought I I thought I paid it and it I. looked back at my statement and I uh. How'd you just get that from the You You. learned nothing new. >> No, no. I I forgot that I even had a. late fee cuz I usually am on time on my. >> Okay, you weren't. Yeah, I usually am.

Like. I usually don't have late fees. >> Okay, but you did. 27.74% interest. Hundreds of dollars of interest. accruing. It's horrendous. What did you. What were you What were you What were. you What were you even buying on this. card? $2,326. Um usually food or gas. >> this is new furniture after you just. left your girlfriend. Her your pregnant girlfriend. Bro, what the are we doing? Can I call. her in the post-show, too? I'm going to. try to call your brother and we're. definitely going to call her. That's for. sure.

I got to make sure she does not get back. with you. Okay, Quiksilver. Uh. >> What's going on with this? How much is it? $2,058.12. What's going on with this? $60 minimum. monthly payment. 13 years to pay off. >> [screaming]. >> You only made a $25 payment then you. purchased $643.73. $139.91. of interest is accruing. What is wrong. with you? Why do that? YOU HAVE A CHILD.

AND YOU'RE NOT EVEN A LIFE. [screaming]. WHY? WHAT ARE YOU DOING? OH, IT'S ALL WHAT ARE YOU. DOING? What are YOU DOING, GUY? GUY, WHAT ARE YOU DOING? SPENDING MONEY. I I don't even know what. I'm spending money on anymore. Glad you clarified. It was spending. money. Peak intelligence across from me today. COFFEE. COFFEE. MAKE IT AT HOME. MAKE YOUR. energy drinks at home. Make your coffee. at home.

Get a sponsorship from. coffee something. I don't know. From your nose streaming that you do. and your 80 viewers. I DON'T WHATEVER. GOLDEN FINGER. Golden Finger. Chick-fil-A. Steam purchase. Steam. purchase. Steam purchase. Steam. purchase. Steam purchase. Holy smokes. for $151. What's that? Uh I bought. cigars. Why? You have nothing to. celebrate. Your life is pathetic. >> my first time going out in a while with. co-workers and so I uh. everyone brought something so I brought.

cigars. >> When all those Mexican trying to find. another 18-year-old Hispanic Bam! KING. DONUTS. Going inside, getting into. getting your energy drinks. I know what. it was. Todd Merbrey Scooters. Coffee. Burger King. McDonald's. Whataburger. Whataburger. What are you getting at. Whataburger, the worst burger ever made. in the history of burgers? Honey butter. chicken biscuit. Okay, I'll allow it. Except not you. Dude, YOU HAVE A KID.

INTEREST ACCRUING. That's accruing. Oh my goodness. What did you EVEN. >> [screaming]. >> THIS LADY'S SPENDING IS $3,000. IN ONE MONTH. OH! Hold on. You're. bringing $4,000 a month net. Yep, that's. right. It was $4,075. Also new loan hit but regardless of. that, how much. >> [gasps]. >> You spent $8,826.61.

Wait, if you make $4,000 and $3,000. worth of miscellaneous with. Oh, you're a father. You're This is. pathetic. This is pathetic. This is. pathetic. Oh! Buddy, I'm disgusted. I'm disgusted. I'm. disgusted. I don't I don't know. What are we doing? What What What What. What What What What What What What is. your life? You What is your life? What's. your rent? Uh $1,250. >> Okay, well, mix mix that with your. miscellaneous and you already. overspent your income. This makes no.

sense. What? What? What do you want to. say? >> I also eat at work uh so I don't make my. own meals. >> Wait, what the You eat Do they. provide? Uh no. They You go to the. cafeteria and you use your badge to pay. for your meals so they take it away from. you. >> 75% of your income on miscellaneous. on a monthly basis alone. That's what That's not even eating out. >> 2 weeks at work. Die. Blue Cash every day. Are you trying to date anyone? No. Okay. Next time you do,

stop making mouth noises. $40 a month. $1,998.87. balance. Takes 8 years to pay off. Spending more than you put towards it. You're literally maxed out. So stupid. Oh, Steam purchase. Amazon. Amazon, which is all gaming equipment and. we saw. Amazon. Amazon. Amazon. You can. Yeah, you can drink as much of that as. you want. It is caffeinated, fair warning, but. we'll also have the hydration drink. version, too. So, stay tuned for that.

It's going to be good. Yummy, though, right? >> Yeah, yeah. It's really good. I The. first time I ever tried it, too. Yeah, everyone thinks we're like. like just like. cuz I get it affiliated, obviously. So, I'm like, "It's so good." No, it's like. actually good. Everyone that tries it. like is blown away. Also, one of the. cards I had to put. I had to pay rent once with that. Yeah, $3,000 a month on miscellaneous. and skins. You You have a child. Pathetic. Credit One. >> [sighs]. >> $57 a month. Balance.

maxed [clears throat] out, shocker. $46. of credit availability. $1,603.90. on a monthly basis. 8 years to pay off. What the are we doing? I didn't see. any purchases. You can't, you're maxed. out. QuickSilver, what's going on? One I just got braces. Yeah, you did. We. hear it. I'm sorry. $1,008, $25 a month. Well, what is this? Down payment on. braces? Yeah, the down payment and then. 140 a month after for 14 months.

Whatever happened to that like clear. that everyone's doing so you don't. have to get braces? Or they don't the. orthodontist didn't prefer it. Oh, yeah, they wanted to make money. It was more. costly, too. Ah. Listen, buddy, I'll let you use the Mine. card. Used to be the Fizz card, but it's. the Mine card now. Credit It's a debit. card that builds credit. It only lets you spend what's in your. checking account, and that's all you're. capable of cuz this is so. stupid. Stupid, okay? Makes no. sense.

I mean, I can't get you a Coursera. certification. Power washing or. >> [snorts]. >> I don't know. I don't know. I'll get you. one in accounting so if you ever are. successful in your business, you can do. accounting. Listen, so I'll get you the. free Coursera certification, too. So, we. have another Credit One. This is crazy. Oh, it's all skins. You're using Credit. One, the worst credit card there is in. the history of world on skins? Yeah. >> $134 owed. Minimum monthly payment $70.

Paying for your credit report to. understand why. Steam purchase, Steam purchase, Steam. purchase, Steam purchase, Steam. purchase, Steam purchase, Steam. purchase, Steam purchase, Steam. purchase. What is wrong with you? Dude, this is. insane. The interest and fees, 27.4%. interest rate. What are you. doing? What in the pathetic joke excuse. of a you is this? This is Dude, you. have a child. You have a child. You have. a child. Are we forgetting that you have. a child? What do you mean you're.

going to. >> [sighs]. [snorts]. >> This is insane. Yeah. How do How How do. you even go about like you do you just. see these random skins or you refresh it. on a daily basis? What is happening? >> I just see what's on sale and see what. what's what's to keep and what's going. up and. see see from there. I I. It's hard to depict cuz they're all like. considered NFTs at this point. You. need. a new hobby.

Yeah. That's why. >> wrong with you? That's why I wanted to. do the detailing business to get out of. >> a hobby, man. I don't know, man. You're. going to put money into that. That's why. I had investors. Investors? That's. moronic. Okay, how much are they willing. to invest for what percentage? >> Um it's $1,200 $12,500 to get all the. equipment and everything in the. advertising, and then I'm hoping to get. them back within 90 days. What That's a. loan. That's an investment. >> 90 days to get the initial loan, and. then I'm Loan? What What about the.

investor? Well, the. the investor to get them back to their. money back. Huh? What? What? They're an. investor. They would get a percentage of. the company. That's a loan if they're. getting their money back. >> Yeah, and on top of that, they'll get a. percentage. I don't I don't know how. much yet. >> You don't KNOW HOW MUCH? YOU'RE SAYING. you have investors, but you don't know. how much I It's still. >> And they need their money back in 90. days? That's what I want to promise. them. That's not an investor. That's a. Dude, every time we dig deeper. into a subject that you try to talk. about, you're just a.

I'm sorry. I'm so sorry. I'm so sorry, but a. That's insane. You're not making that. money back in 90 days. Why put yourself in that level of risk? That's disgusting. That's insane. What. the are you doing? That's horrendous. Yeah. Yeah. Yeah. >> I I mean, I I feel like I have the. mentality to do that Oh, your mentality. Buddy, have we not learned of anything. in this entire conversation that your. mentality is absolutely broken on every. perspective you've ever had in the. history of the world? >> worker. Like when.

>> Worker? What worker are you? you, worker. I I like to actually work. I don't get. What? The liking doesn't work doesn't. What? That doesn't immediately provide. an initial. You don't all of a sudden get the pay. $13,000 back in 90 days because you like. to work. Because you like to work. What? What? That is not all of a sudden what. makes money, liking it. Liking it. doesn't make money. >> I I. It It It definitely helps. Definitely. helps? Well, that is not. Dude, that is not a business strategy.

That is not a business plan. That is not. an investment return strategy saying, "I. like it.". I. I have a mentality to work, and when I. do work, I work hard. >> [screaming]. >> Not really. You got kicked out of the. last BUSINESS YOU HAD. OH, SO I DON'T THINK SO. DIDN'T WORK hard enough to stay with. your baby mama. Uh that was. just me being a mentality. Yeah, your. mentality.

Horrendous. Destroyed. Bad person. >> Yeah. Okay, we opened up another Credit One. What did we open it for? For chat GPT. What do you need chat GPT for? Uh it. does all my scripting and everything. like that for my website. What? Yeah. What the are you talking about? I I. have a website and it wrote a website. >> Uh I can't say it, can I? No, what is it for? It's for my. for my Twitch stuff. So, instead of. having a Linktree. >> version. It It does other stuff, too,

and so it's 20 bucks a month. And I. figured it would be. >> you're already investing into this. business. It makes no sense. Oh my gosh, this guy. Dude, you're so Dude, this is. so stupid. I'm not going to put it as a. debt cuz it's just one purchase, and. you better pay it off. Oh, what is this? What is this? What did you borrowed the. $14,950. for at an 8.647%. interest rate of death? What is What? This is the biggest loan. so far, and you can't tell me? Oh, that's my I paid off all my credit cards.

at one point with the with the 401k. >> it off. No, I paid them off. That's what. I racked up recently. And what is this? That's my 401k that I. took out. >> Oh, so you didn't pay it off, You took out money from your retirement. Yeah. At By the way, an 8.647% interest. rate. Paying myself back. You're losing 30% in. the market that we gained last year. instead. Not only that, lose your job or. quit your job, which I know you're. considering.

This is called due. Yeah. Yeah. And you got to liquidate with tax. and fees. Okay, so I won't write that. down cuz that gets taken before your. income. Uh okay, Ally, 6.34 on a car? This is my truck. Yeah, I refinanced. recently. Oh, yeah, you did it like a. rate that's like not like crazy good or. something. >> No, I had a better rate, and my mom said. that I had to refinance cuz they were. getting. my dad was getting a lawsuit. >> Just cut off your mom. Where are you. hearing things? Your dad was getting a. lawsuit, too. Very litigious family.

Yeah. But yeah. Okay. I I understand your dad getting a. lawsuit meaning you have a. spending stems from is my father. >> Oh, shut the up, you victim crybaby. little piece of Have a little bit. of personal responsibility. I'm so done. with you. $352.28. on a monthly basis. You owe $14,902. on a car that's worth of what? Uh 20,000 right now. 22. And I just got hit last week. Did you deserve it? No, it was a. hit-and-run. Lady was on her phone, and. she drove into the front bumper and just.

drove off. $598 in this checking account. Adobe. subscription, Panera Bread. Barbershop. Going inside getting some energy drinks, Taco Bell. I don't know, that actually might be. groceries. When is that getting an. energy drink? Skins. GitHub. Oh, energy drink, energy drink, and Oh, wait, double What's W energy? That's my. sponsor. That you were spending on? Uh. 46, 48, 47? Yeah, I I I bought that for.

a couple It was like Christmas time, and. I bought some clothes. >> again. We already had Discord on another. one. Double grooming, I guess. Steam purchase, Steam purchase, Amazon, Steam purchase, Steam purchase, Taco. Bell. Am I not entertaining enough for. you? Uh no, I got I got a payment from. Chase right now. I I just overdrafted. Did you really? >> Yeah. For what? Uh car payment. Okay. Yeah, 41 -4123. Also, he could do this W purchase, Steam.

purchase, Steam purchase. Okay. Do you want me to text my baby. mama and see if she'll send me some. money to cover my overdraft? I'm done. Go. I I need you to get away from me. Go. take your piss. Go take your piss. I'm done. Just get the out of here. What a. pathetic excuse of a. piece of. Close that door. Close that door. You hammer financial score. He can go. come south. I'm so done. Get. your ZiklagHammer.com. I'm going to call.

his baby mama and try to call his. brother in the post show. Look at this. This is three pages of absolute. spending, and then he just overdrafted. on it for his car payment. What a. pathetic joke of a man. I was going to. do his budget until that very moment. So, So, want to Yeah, I'm. I'm. See you guys in the post-show. Join. Hammer Lee. It's going to be a good. post-show, but I need a break from this. piece of dog. Hey, do you know me by any chance? No. I. wanted to get your side of the story cuz. honestly, I think your brother is a. liar, and I think you were probably in.

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