He’s Back... | Financial Audit
01:20:14 Share

Four years. That's how long it took Democrats to ruin our economy and plunge our southern border into anarchy. Who helped them hurt us? Ruben Gallego. Washington could have cut taxes for Arizona families, but Ruben blocked the bill. And his fellow Democrats gave a bigger break to the millionaire class in California and New York. They played favorites and cost us billions. And Ruben wasn't done yet.

We'll be right back.

Carrie and the Republicans will secure the border, support our families, and never turn their backs on us. Carrie Lake for Senate. I'm Carrie Lake, candidate for U.S. Senate, and I approve this message. Paid for by Carrie Lake for Senate and the NRSC.

Carl's Jr.'s Big Carl fans know nothing beats the layers and layers of flavor of a Big Carl. Nothing beats that charbroiled beef, American cheese, and tangy Carl's plastic sauce. Nothing. Except getting a second Big Carl for just $1. Big Carl just one-upped itself for just $1. Then buy one Big Carl, get one for a buck deal. Only at Carl's Jr. Get burger! Get burger. Available for a limited time at participating restaurants. Tax not included. Price may vary. Not valid with any other offer, discount, or combo.

To watch episodes of Financial Audit a week earlier, check us out on YouTube. You're coming to eat it. The reason we're using a temporary studio here and the reason you got a pat down and stuff like that is because we've received almost 40 emails and we've received many death threats from you over the course of nights. I was angry at you. Are you terrified? You're very frightened. You're a little... Okay. You're afraid of me. You said one of the only conditions to film with me again was to literally hit me. Oh, yeah. I wanted to slap you in the face. Yes. Put that in the thumbnail.

Welcome back, baby.

Now, you'll notice a couple things off the bat here. We're filming in a random place. Oh, interesting. Random place. Random place. Pull this to your face. All right. Pull it on in. All right. Why do you think we're filming in a random place, Mr. Brent? Right. Well, I mistakenly called you Brent last time. Because you called me names to millions of people. Oh, okay. And then you said you thought that I was going to hit you, which is crazy. Yeah.

And then all your fans thought I was a violent person. And then I started getting hate mail and getting attacked. That sucks. I know, absolutely. I would never want anyone to get bad. They even called my parents, you know? How'd they get that? That's totally insane. I don't know. It's like doxing. People have methods.

That's why we try to use fake names today. Yeah. But the reason we're using a temporary studio here and the reason you got a pat down and stuff like that is because we've received sometimes on just random evenings, almost 40 emails from you. I'm angry. I was angry at you. Yeah. But we're talking the course over like a year and a half. Oh, yeah. Totally. And I'm getting emails from your fans.

Yeah. All the time. Which is obviously, that's unacceptable. Absolutely. And part of it's your attitude, man. You act like a know-it-all, and this is the whole gambit of your show. Okay. You don't even have a business degree. Oh, okay. You're just chewing people out for buying taquitos. Are we talking about business on this show? Yeah, pretty much. Oh, okay. Everything that I've ever done is business. So, okay, business degree to learn how to not spend money you don't have. Oh, okay. Thank you.

Interesting. Yeah. Yeah. So we were afraid for... Okay, you're afraid of what? Okay, you're coming in heated. Yeah. But I appreciate it. I got a smile on my face, man. Yes, yes, yes. People have wanted to see... Okay, yeah, sure. I'm trying to come in joyful and lovely and happy. Now, but I just wanted to bring up the reason that we were legitimately concerned because...

You said one of the only conditions to film with me again was to literally hit me. Oh, yeah. I wanted to slap you in the face. I was pitching you on a boxing match, if you remember, last year. I was in better health then. People would have loved to see it. Your health is deteriorating? Oh, yeah. I'm sorry to hear that. I've been homeless for six months. I'm really sorry to hear that. On tour, kind of. On tour? A little bit. I approached it like a tour, but to be honest... Are you touring every podcast and telling them that their show is horrible? Yeah.

I'm teasing you. I'm teasing you. But we were afraid that you might. We didn't want to give you our studio location because we were afraid you might show up there. I was afraid that because I filmed with you in my condo beforehand that you might show up again based on the emails you sent. Well, that's your fear, man. Well, yes, it was my fear. That's why there's a security guard right there. I know. So, you know, I'm doing this for the audience. I'm doing this for the audience because they wanted to see it.

OK. And because I wanted to have you back on again and I just wanted to see where you are, regardless of what you think about me, regardless of what, you know, some people might think about the show. I genuinely do want you to have a better life. You are a person that exists on this planet. Oh, yeah. You're not telling me anything I don't already know, man. I had to fight for my own rights in this state.

Oh, sure. I just, I want you to actually do better regardless of my methods. Well, thank you. Well, stop, stop calling me a violent criminal and a threat to you. When I was pitching you on a boxing match, now you're smearing me before your fans. You're doing the same thing all over again. No, no, no. It's called Caleb Hammer is the savior and his guest is the villain. And you're going to put it in a thumbnail and you're going to probably here, put it in a thumbnail.

Put a little graphic axe in my hand right here. Oh, make me look like Jack Nicholson. Man. Okay, you know... You know, we're allowing you to present yourself however you want to. It's insane. You told me at the last one, you told me, okay, give us your best baby face. And I'm playing it up thinking this is reality television. We're doing a bit...

You're doing a bit right now? Your audience is not in on the bit. All I care about you and your finances. We put out the call to everyone and anyone, anyone and everyone from any walks of life. We want to be on this show. Is this who I really am? I guess so. I think it is because we receive 40 emails from you a night. Are you terrified? Yes, we were scared. We were scared. You're a little pussy. Okay, sure. You're a little pussy. Okay. You're afraid of me.

Sure. Incredible. Yes. Hammer the pussy. Put that in a thumbnail. Yeah. Put a little pussy hat on. A little pink knit, you know? Please. Everyone wants to see my pussy. I already know that. We don't need to start talking about multiple parts. So...

The thing is, the reason I just wanted to bring that... I want to get into your finances. I want to see where you've been. But the reason I wanted to bring that up was just to show you how we thought about this experience and why you were here. Well, I think you're a pussy if you think that. All right. Okay. No, I'm okay with that, you know? I walked out of your apartment just fine. We talked about something really briefly. You were barefoot. You were nothing. I'm your actually most watched video. See? Look at you. See? See?

I'm just living life, man. Okay. I'm going to flip-flop, flip-flop. You were in my house. Yes, I didn't wear shoes in my house. That's unique. Interesting. Yeah. Okay. Well, I wasn't in my house. I know. You are a dick. You are an actual dick. I appreciate it. Okay. So. Okay. So. Do you want to have the podcast? Do you want to have the podcast? Yes.

This is interesting. It's interesting. For you guys. Mm-hmm. Mm. Oh. Uh, so, yeah, I just wanted to know, let you know how we felt from last time. All right. Yeah. Bunch of pussies. Yeah, that we were actually afraid for our lives because you sent 40 emails and we've received many death threats and...

um for me no we don't want you no not for me but you got arrested for threatening to kill the governor no i did not yes no i did not i said i would eat his heart yeah and you usually have to kill someone to eat their heart it's a metaphor we already went through this a metaphor for what it's a play on eat your heart out are you that retarded i don't think you can use that in 2024 i can use it for you i'll make an exception

I don't call actual learning disabled people retarded, but I'll use it on you. I only call my friends retarded when they're acting retarded. All right, pretty much. It's the Michael Scott line. Yeah, yeah. Pretty much. And retarded dickheads. I reserve it for retarded dickheads who aren't my friend because you're not. We'll say you're a dick. We can't figure out which gender I am, but I'm one of those. Well...

You having fun so far? Because I want to get into your finances because that's what I actually care about. Okay, do you? You want to talk into your mic if you want to participate here? I don't know. I might talk wherever I want.

Are you so, why are you, legitimately, why are you so defensive? Like, so. Because I'm on the defensive because you're on the offensive. What do you want me to do? Have I said anything this episode? You just accused me of like wanting to freaking kill you or something. Dude, I said we were scared. I said we were scared based on your actions. Oh my God. I was pitching you on a boxing match because it was so intense. Buddy, 40 emails a night from you. You know how many emails I get from your stupid ass fans?

No. And guess what? You shout out your email in the last episode and we bleeped it. But even still, because... Oh, yeah, because people are not... You begged people to reach out to you. Yeah, because... Which you shouldn't. You were hammering me over...

$2 taquitos. Because, and here's the recap, your family was paying for your rent. You refused to get a job because you weren't willing to grow up because you're a child in your 40s. You are actually lying. Buddy, you were offered a job at- You are lying and smearing me right now. You were offered a job at Whataburger and you said no. You are lying and smearing me right now. I was interviewing for another job at the time. And you know what? I don't even think I could last in that job. You know why? Because I can't stand for eight hours. Okay. Okay.

And I did not admit that because I don't like to admit it. Well, it's a helpful part when we're having a conversation about getting a job. Okay. But I don't like to admit it because it's hard. Okay. Why can't you stand for eight hours? I have a stage one right now. At the time, it was a stage two pressure ulcer on my heel. Chronic stage pressure. Okay. Chronic. What's the treatment for that? I'm sorry? What's the treatment for that? There is really nothing. I mean, staying off your feet, basically. Yeah. Yeah.

Dick. Oh, all right. Yeah, throw it in. You just automatically assume that, and this is the problem with your show, you assume that everyone that doesn't have money, it's their damn fault. That's not true at all. That's what you assume going in on every interview. That's not true. I like to base it off of the answers that I get from you. You probably know this already, but your kids depend on you for everything. That's true.

That's an enormous responsibility. It's also up to you to plan for their future in case anything should happen and you're not around anymore. That's why we've partnered with Fabric by Gerber Life to make it easy to help you plan for and protect your family's financial future with term life insurance. Seriously, if you've got kids, you need term life insurance. And if you don't have life insurance, especially if you're young and healthy, you should get it now.

And Fabric makes it so easy. It's all online with no appointments or piles of paperwork. Just do it whenever it's convenient for you. Imagine getting covered in under 10 minutes right from your couch without any of those awkward in-person meetings and potentially not even needing a health exam. Life's unpredictable.

But with Fabric, you could snag a million dollars in coverage for less than a buck a day. That's less than you spend on taquitos. Even if you've got life insurance through work, it may not be enough. And what if you switch jobs? Fabric is designed by parents for parents,

to bring you term life insurance you can get done right here, right now. And now they've partnered with Gerber Life and named families trust that has been in the business for over 50 years. And to sweeten the deal, Fabric offers free digital wills and investment tools for your kid's future, all manageable right from your phone. What are you waiting for? Get it done today at meetfabric.com slash Caleb and join the thousands of parents who trust Fabric to

But the premise of your show is to humiliate people who don't have much money. That is the premise. I'm sorry you feel that way. And yet at the same time, you are telling people to practice absurd austerity measures as though that they're going to save their way into a middle class existence while inflation is five years over the last five years, 5%.

Aggregate inflation. There's no way to do it.

You think 5% is what's going to take you from homelessness to middle class? 5%? There is no way. When living expenses are what they are right now, there is no way to do it. But even throughout the American history, when it comes to the strongest period of the middle class in the United States, inflation during the beginning of the Reagan administration was higher than it was at the peak a couple years ago. So that's just a horrible excuse. Yes, legitimately. It was 7% in 2002. 22%.

But it was getting close to 9%. Yeah. It was higher. It was higher in 2022? Yes. It was nuts. It's at 3% now. 2% now. Well, depends on the report that you look at. Sure. Aggregate over the last five years. So I don't think that people that don't... It's bad. It's terrible. I don't think that people that don't have money...

uh it's necessarily i don't go in assuming it is their fault i assume things based horns on people and thumbnails dude yeah you are a shock jock you're not an economist you're not even a financial advisor financial advisor you're a failed musician that's just picking on people that are having trouble i was making more than my own professors when i dropped out of college on my own music compositions i decided i just wanted to make more money by going into sales i made more in code

than many of my professors while i was in college yeah you know yeah you're homeless right now so i'm not really well thank you for reminding respecting you don't have to really remind me because you look at me and there's a homeless person he's less than me no that's not how i look at it but when it comes using it when it comes to your whole thing when it comes to your opinion of making your whole thing i'm do not look down upon you as a homeless are you gonna allow me to talk

Can I have at least just a couple minutes? I do not look down upon you as that. But when you are criticizing my career, which was relatively successful in music, especially for my age, and then you try to make it about how you've been so great. Look at where you are now. That is hard to sit there and listen as you being the high figure on all these things. You mentioned that I'm going to talk for a second. You mentioned that I can't have this conversation because I'm not a financial advisor. If you think someone needs to have a license to say, do not spend more money,

than you make, then you know less about personal finances than a halfly educated individual. 70% of the American population is in about $50,000 of consumer debt. Oh, sure. Yeah. So you tell me that I'm a freak? No. You're practicing austerity measures under that Dave Ramsey method. We already mentioned this, right? I don't do his method necessarily. It depends. Snowball's great. See, I mean...

we've already we've already i complimented you last time because i saw your format on the show do it again it feels so good good well i i saw what you saw is that you saw an audience their views to be made tell me why did you go look honestly though like why did i start the show why did you go into this because you saw because i almost got because i almost got hired by a youtuber i wanted to work in youtube they didn't end up hiring me so just like the way i write music

Don't freak out, but Monster Tacos are back at Jack in the Box. Classic Monster Tacos are back with a crunchy, cheesy vengeance, and you can get two for $3. Or try the new $3 mummy-wrapped Monster Taco, loaded with nacho cheese and bacon, wrapped in a soft flour tortilla. Kind of makes you wish all mummies were this delicious and cheesy. Order now at Jack in the Box.

I like to write music that I want to hear, but I haven't heard yet. I wanted to make a show that I would like to watch that doesn't exist yet. So I started the show. Did you think about it like with these thumbnails and Jerry Springer and all that kind of stuff? Caleb Springer, please. Caleb Springer. Okay. Okay. Well.

Whatever you want to be called. Yes. No, at the time of filming your episode, what we did usually... That was the most popular episode. Close. Number three. Oh, number three. I only watched two before that. Don't get too excited. I saw you one time. Are you going to allow me to defend anything you've sent my way? I saw you one time really just like cured, just flippantly.

who's getting his graduate degree working at a non-profit bought a condo he's a nice guy right absolutely totally nice guy oh yeah yeah and you're like oh that was stupid and I'm like what was stupid I'm gonna need a little more context so if I remember right with his episode it doesn't make any

No, no, no. With his episode, it's only allowed to increase in value at a rate that's under inflation. So he's not actually getting value added to his equity position in the Austin area like you would find with most properties. Plus, the condo that he got was a smaller, like one bed, one bath, so it's harder to resell as well. Oh, my gosh.

Because I'm looking at him as someone. Okay, you're going to shut the for a second and let me actually answer a question that you ask. It's better than renting. Not necessarily. Rent is actually cheaper in Austin. So it is mathematically. Listen, I know you play the world victim. Here's this. Every American is dealing with this. So because of this, I will never be able to get ahead. And because I lock myself in that worldview, I'm going to be a crybaby forever and be a child and never get ahead. You think like I'm a liberal. I should have just gone on Dr. Phil.

He would have had you. Oh, no, he wouldn't have. He would have sent you to the ranch. It would have been fun. Dr. Phil is actually funny. And I'm talking about the impersonator out of Austin. Oh, yeah. Adam Ray. Yeah. It's cool. Totally. Yeah. You know he likes this show, right? The show you hate. Well, that's fine. I don't care. Okay. It doesn't really matter to me. Not everyone likes the same stuff. We're not built in silos. Yeah, you're a half shot of an egg or something. Brent. Dude.

Chromosomes. How many you got? Feels like too many. Give a few back. A lot of us are looking to balance out our chromosome intake.

Okay. All right. Whatever. Whatever, man. Whatever. Hey, come on. If you're allowed to throw a jab my way, I'm allowed to throw a cheeky little thing your way. It doesn't really. So I'm sorry that you felt upset about the thumbnail at that time when we record. I'm going to talk for, I'm going to talk for a second. I'm going to talk for a second. Can you calm down for a moment and let me just talk? Because I'll.

I'm here too, dude. If I ask you a question I want you to answer, if you're going to bring something up to me, allow me to answer it. Have some kind of courtesy. All right. What's your question or whatever? No, you brought up the thumbnail thing. Okay. Tell us all about it, how wise and amazing it is. It's not wise. I just wanted to tell you how we've approached the situation. Okay. So when we made the episode with you, you know, it was just me. Brandon, were you here yet?

Okay, so I just brought on my first person. So at that time, you know, it was young Scrappy. We were just having fun with the YouTube thing. And at that point, you know, we're just like, hey, we're going to make a wild thumbnail. Let's take some pictures for it. And then that's what we did. Now you'd be happy to know.

When everyone comes on the show, they are given this broad onboarding process. One, they're fans of the show who apply. Two, when they come on the show, they are sent onboarding videos, understanding the full process of what they're getting into, understanding what the thumbnails and titles are like. There are some warnings to consider before signing up for this process. A part of our brand is making pretty intense thumbnails and titles. Here are some examples coming on screen right here. It's important to realize that

They're pretty intense and that's our brand. Though we never have negative intentions and we're just trying to create the best content possible, we want to make sure that you realize that this is a part of the process that you'd be getting into. Then they come in person. They have an in-person onboarding session in our green room, which you'll never be welcome to because you'll probably kill us. And, um...

I'm doing a little cheeky cheek. So we talked there. We have a thumbnail wall of fame that they're able to visualize and they know that they're a part of. Then they go. The thumbnail strategy is to make a joke or caricature out of your conversation.

I'm kind of like a carnival artist. Okay. Yeah. After the shoot, we will take a look at some male photos. We might ask you for your ideas and share some of our ideas of the things that we're carefully going into with that idea for. But just be quick note that we don't know what direction that the male photos we want to take until I sit down at the team.

Then they go through all these forms and they understand fully what they're getting into and everyone's as educated as possible. I've never hurt anyone, man. Yeah.

I hope not. You're incredible. So I just wanted to let you know that if you felt hurt from a process before that every single time we hear something like that, we update it to make people feel better. I would never want you to get hurt, man. Yeah, legitimately, just like everyone on this show, I want you to do better. I would love to find a way for you to get out of a homeless situation. Yeah, it's the merch based on you.

I'm glad I gave you that, man. I know. I am too. Actually, we have a gift. You want it? Sure. Where you go? Oh, I thought it looks cheap, dude. I was not happy with it. It wasn't. It just looks too cheap. Our dirty money merch has done incredible. This merch did terrible. I mean, like, I don't want it. When's the last time you've had a job? I've had several clients since. Yeah. Individual clients. Doing what? Content marketing. Like this.

Like you? Well, what would you do for them? I'd do content marketing. I write. Oh, that's exciting. Yeah. And perform. How much were you making in those positions? It depends on the piece of content. Okay. And are you still doing that today? Right now? I'm doing it at the moment. Right now. Awesome. What are you making right now? I'm making about $3,000 to $4,000 a month between that and Uber. I'm supplementing with Uber, but I'm actually losing money on Uber. Okay.

And you were the one who was like, everyone's doing Uber. Everyone's doing Uber. Everyone's doing Uber. Roll the clip.

If you're an honest man, roll the clip from last show. Well, I think what you're talking about. Roll the clip. Two years ago. If you're an honest man, roll the clip. I will roll any clip. In Austin, I know Uber Eats drivers who I've personally met and talked to who are raking in like $80,000 a year. And that is not the amount of depreciation in gas they are taking in their cars. And repairs and insurance. And repairs and insurance. You have to pay more in insurance when you do that too. I know. It's crazy. It becomes a whole thing. It becomes a whole thing. $80,000 is also a thing.

I've never removed a piece of content. Everyone does it. You're so confident that people are making tons of money on Uber Eats. And I was like, I've already drived on Lyft and I'm already familiar with the rideshare model. And I know it's not working. It is a good app that tricks people into thinking that they're turning a profit. But when you look at it on an accounting basis, it's not a profit.

Well, I'll give you the rundown. I did it again. I did, what, how many hours? 400 hours over the last three months just to prove you wrong. I drove 6,000 miles. I lost money. Wow.

Incredibly. So here's the thing. Incredibly. I knew it was going to happen. Two years ago when we filmed. It wasn't two years ago. It was about a year and a half ago. About a year and a half ago when we filmed. Getting out of the pandemic, Uber Eats was actually a really, was making really good money in the Austin area. I'm not sure if it was like that good because I did it then too, but I didn't make money.

I did it right after. I know a lot of people that were making good money. And I just tried this. I just tried this and it's not making money. I didn't like make a real big go at it, but I recently made a big go at it just to show you that you're wrong. Okay. Well, I didn't say it with you. I don't know how you went about it, but all I'm saying is today you're right. It's not as good as it was during those pandemic days. It's not, it's not profitable. Profitable at all. People are making profits. No, again, I don't know how you did it. Boy. Oh, nobody out there is turning a profit, man.

That's not correct. Oh, wow. Wow. There's lawsuits going on right now, man. And it's actually a safety issue. It's bad. They want to hear you. Your beautiful voice. Oh, thank you. I'll sing later. No.

A little talent show? So you're making about $3,000 to $4,000 a month right now. Why are you currently homeless? I've been on the road. Oh, so it's like by choice? Kind of, sort of, maybe. I don't know. I broke my foot pretty bad in, what was that, fall of last year.

I couldn't get up the stairs, had to move in with my parents and that was fraught because, well, there's history there. Sure. And then I moved out to Los Angeles thinking, oh, I had success out in Los Angeles. But that was so many years ago. Everybody's moved on. Yeah. When you had your agency, right? Yeah. Yeah. Yeah. Which was pretty successful. Why have you, at least according to you, why have you not considered going back into it?

your advertising agency. I had all the components back then. I mean, I had designers. I was really on the breakthrough of like new UX designs and in search engine marketing, I was on the leading edge, you know? Why aren't you willing to go into that again though if it was so successful? Everyone's doing it and it's become so commoditized that there's no room for the bespoke craft anymore. That's really it. There's...

you know, content management systems, everybody's using Squarespace. There's,

There's not a lot of room for bespoke responsive design. You can just get your Squarespace for like $10 now and just plug it all in. Content marketing is oversaturated. Everyone's doing it. Back then nobody was. Well, that's what you're doing. Oh, well, this is a different form, video. Video has a higher ad value. Now, what were the PayPals coming in? Where did that come from? Oh, clients. So you actually made $2,000.

Yeah. Like, okay, that is less than the three to four you said, but you made 2,000 bucks. Like, that is money. You made something. So you're writing content, like blogs on their sites and social posts. Ghost writing mostly. And we know you like to type. Yes, I do. Especially when I'm getting harassed by your fans. You're the only person that's ever been on our show that has a special folder. Oh, good. Yeah.

it goes right to the print folder yeah now to be clear i want to just call this out because unfortunately once you do become large enough i mean there are certain things you just can't control but i do want to call out to the audience please never reach out to the guests especially not their family members uh we use fake names for guests now we've been that's been a policy these last six months yeah well when we filmed with you like your video started putting us on the map what are we getting like 10 000 views per episode so this is like you know it's just like a hobby stuff this is like a

career now so like but please do not reach out to them oh totally uh it's now mandatory that people use a fake name by the way oh good so well i'm glad caleb that makes me actually feel a little bit better i mean we're always happy to make changes to make things better

Get ready to tackle the NFL action with FanDuel, America's number one sportsbook. Because right now, new customers can bet $5, get 300 in bonus bets if you win. Make every moment more with FanDuel, an official sportsbook partner of the NFL. 21 plus and present in Arizona. First online real money wager only.

$5 first deposit required. Bonus issued is non-withdrawable bonus bets which expire seven days after receipt. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling problem? Call 1-800-NEXT-STEP or text NEXTSTEP to 53342.

for the guest and again i'm happy to have you back on here so in your spending this last month or in terms of what came in again i told you paypal then was almost 2 000 and then you did have uber of about a thousand now what do you think so 3 118 came in how much do you think went out spending total i don't remember looking at the statement i was probably like 200 bucks left

Pretty close. You had about 100 left. Yeah. I'm getting Airbnbs for 40 to 70, sometimes motels, sometimes staying in the... I've slept in parks before, you know, if it's a nice night out. Do you want to settle down somewhere? Of course. Where do you want to be? So you want to. Of course, man. Okay, because you are making enough... I got robbed in LA and I actually had to busk my way back. You know what's really funny? What?

I got robbed wallet and cell phone. Then my Bank of America account got hacked. That is funny. I go into a Bank of America. I didn't know it worked like this anymore. I mean, if they have the two-factor authentication, they've got you, right? Right. They've got your phone and your ID and your debit card. They've got you. I went into a Bank of America with no ID. Texas DPS sent me a temporary ID.

driver's license that I had on my laptop, went into Bank of America with that, said, I've just been hacked. You know, I need to stop this right now. They could not, they could not

verify me. There's somebody. I was like, I'm the guy. This is my account. Yeah. It's like, I know everything about the account. I can give you the details. I have a temporary driver's license from Texas DPS. I have a police report on file. Here's all of these things. I'm helpless in a bank of America. Like, so I, I had no way to receive money either. You can't get money wired to you. I asked my dad, you can't get money wired to you. I busked.

For gas money. I'm sorry to hear that. It was incredible. Astonishing. Like, I didn't know it worked. You know, I was just. Yeah, I had no idea it worked like that. I'm glad I made it back. I'm glad you made it back to. I'm glad you're safe. I want to focus on today. So we want to settle down. I think we could at least get you in a place for like a thousand bucks. You know, we could get you a studio in Austin. A thousand bucks. All right.

Listen up. We got a lot of comments on our challenge and apparently most of you already have $1,000 saved already. Seems like you've been watching Financial Audit, am I right? And we don't want to limit this, so we're expanding the challenge. We're doing a full five-day refresh where I'll be putting out all the stops. I'll be sharing my ground floor tips all the way to my advanced tips for you high hammer financial score people.

people. Whether you're trying to save your first $1,000 or save for retirement, there will be something for you in these free daily instructional videos. We're setting up skills and habits that'll last a lifetime. And there's already thousands of you signed up already, so spots are very limited now. Go to calebhammer.com slash challenge if you want to join the party or click the link in the description below. Oh yeah, I'm looking at a place tomorrow actually. I mean, I already lined up

just coming in here, you know. No rentals with creative housemates. Now, I assume you're eating out still going to be pretty bad because sometimes living on the road tends to go that direction, right? What do you mean? You're eating out? Oh, dude. Yeah, mostly. I mean, I'm eating out while I'm doing Uber Eats. What you're looking at is June. I did how many hours in June on Uber Eats? Let's see, probably... 118 trips.

No, that's just one week. That's just one week right there. You're right, that was just one week. I probably did... I would have to look at it again, but I probably did... So you made $1,000 that week? 200 hours in June. $1,000 in revenue that week over an online drive mode. Okay. And that's not even counting repairs and...

you know, just operational things with your vehicle. That's online drive mode when you're ready to pick up a Taco Bell and drive it 30 minutes across county lines for $2. And now again, I know statistically right now, because what I care about is like statistics, median statistics. Right now it is not as good anymore. One, it's not getting subsidized by big money anymore as much. So it's harder. They turned a $1.5 billion profit last

year it's valued at 150 billion dollars uber is yeah but i know it's not as good for the drivers as it was during the pandemic it's never been that good for the drivers during the pandemic people were making money the economy didn't make any sense for a year and a half that is true i know that's the first economic thing that was actually correct that you said yeah thank you for fact checking me dick you're welcome

Alamo P. Terry's going inside getting some taquitos. We know you like them. And going into Target getting some bulge Taco Bell getting some taquitos.

Yeah. It's actually, it's the most popular personal finance podcast across all the internet and one of the most popular podcasts on all the internet right now. Thank you. I know. And you said it's such an easy show last time. You said anyone could do it. Why haven't you done this show yet? Why haven't I made a show like this? Yeah, because you said anyone could do it. Because I get bored in a week. Oh.

Yeah, why make a sustainable career and have a chance at retirement and a good life when you might give a bull a wood? And while you're smearing people and making them crazy. Smear? Buddy, I'm allowing you to present yourself however you want to present yourself here. Except when I do, when I argue with me, when I argue with you, you say that I'm a violent lunatic. So you think when you argue with someone that they're not going to argue back? You have so many, you're like some kind of... I'm cheeky. I don't know. I'm not sure anymore.

I like to give them zingers.

I'm not that impressed. Okay, that doesn't mean I dislike you or hate you or want to bring you down. That's not how we do it. And we have a conversation with every guest about this. Now, of course, when you were doing it, it was a little different. We're making it better and better. But we're getting literally everyone's permission. Are we allowed to make inappropriate jokes? We ask that before every episode. So it's like, I get what you're saying, but our intent is not to bring people down. We want to help people. We're zingy. We're witty. We're tough love about it. And not everyone's going to relate to-

And not everyone is going to relate to that type of exercise. And if you don't, then don't come on the show, be an adult and know what you're applying to like a big boy. Okay. Thank you, Caleb. Thank you. Yeah. Well, I mean, I think some people are incapable of actually, cause of course what we talk here is we get, thank you so much, Caleb for having me on. Oh my God. What can I do? Can I soak your dick? Preferably not. Preferably not. I, uh, go for a very different type, but, uh,

Now, when we talk here and I try to expose to people how bad their situation is and give them a budget of what to do. Well, I mean, you're acting like you haven't.

I've heard people talk about this show that have only seen a couple episodes and they're like, I know what this show's about. You have like two looks and it's like this or it's like that other nasty look you got on the thumbnails. It's like, oh, how is it? Do it. You know the one. No, it's like you do something weird with your mouth.

it's like oh that one that's a classic that's a good one actually we haven't used that in a while it's actually being overused it looks so no we haven't used it in a while buddy you haven't you haven't watched in a while you what you would you wouldn't go for this check out the side profile that's my dating profile next you wouldn't go for that all right i don't i don't know man i'd have choices i'd have to be really desperate okay

So, and then, but what is determined for people to actually improve their life is walk away and put their own actions in. We can't hold your hand. And people, someone like you, Brent, Brent with an I, sorry for doing your name wrong last time. That was my fault. I thought it was Brent. I really did. Yeah.

And the entire audience has thought it's Brent. It's kind of funny. So you just you're the person just through your language. It's the oppression Olympics. You know, the world is always against you. I'm so oppressed. In your language. I'm so victimized. Instead of taking any responsibility. I just bust my way across half the nation. Like, I just freaking.

This episode is brought to you by GlobalX. Since 2008, GlobalX ETFs has been committed to empowering investors with unexplored intelligence solutions. GlobalX specializes in exchange-traded funds that offer exposure to the artificial intelligence ecosystem, including themes like data centers, robotics, semiconductors, and cloud computing. To learn more about GlobalX's entire suite of ETFs, from covered calls, fixed income, emerging markets, and more, visit GlobalXETFs.com.

Uber Eats for hundreds of hours and 6,000 miles to prove to myself... Buddy, I will applaud you for staying alive, but you're in a worse position than you were when you came on the show a year and a half ago. Well, what should I have done? At that time, we talked about how you got a job offer at Whataburger. You could have started there to help...

Am I allowed to answer your question? I can't do it. Am I allowed to answer your question? You're right. I can't do it. At that time, I did not know that. I can't cook. Am I allowed to? I go crazy standing up for eight hours. It takes either some kind of pain relief or something.

It takes something to distract from the actual throbbing in my heel. Which, of course, you did not bring up last time, so I did not have the answer to that. No, I usually don't talk about it because I'm not a pussy. I don't go around victimizing myself saying I'm in constant pain. Okay. You victimize yourself in every other way. There's no way to win with you. Buddy, I'm only going off your own words. I'm a victim. All right, let's go with your narrative. I only go off your own words. Now, I'm going to answer your question. Oh, I'm a victim.

Who's going to save me? Caleb, please help me. You're acting like you're tied up on a train or something. Train track. I'm going to ride in. Let's see if I can cry like I did last time. You did. You almost got up and left. Caleb, let's see if I can cry. There we go. It's coming. I gave you the five stages of grief in a tight hour. You are an interesting creature.

Oh, okay. So I will attempt to answer your question again, then we'll continue going through the statement. So what I would have had you do last time, obviously you have found yourself some good remote work with this. Um,

On top of that, the tech world is a lot harder now than it was then. But at least what I would be looking for is maybe some remote call center jobs, some remote customer service jobs. These are going to be lower paying jobs. Don't get me wrong. And they are not going to be the most fun jobs, but they prevent you from standing up. They won't call me back.

I've already tried, man. What'd I tell you last time? Well, you said that you don't... What'd I tell you last time? That you feel overqualified for every job. I've already applied. What'd I tell you last time? I went to a half-priced bookstore. Yeah. In person. Would that work, though? Are you able to work there? I could probably sit down for a while. Okay. Yeah, I mean, if you're at the register, well, you know, theater, you can usually sit down for a while. Well, have you applied for disability? I do not qualify. Oh. I don't have Social Security disability. Okay. I don't have enough Social Security. Okay.

I, you know what I called, I called, yeah. You don't know a lot about a lot about a lot of things. I called, um, you got me good one zinger. I called, um, Medicaid in Texas. I lost my Medicaid moving to Texas. Right. Sure. A lot of people did because governor Abbott, you know what he did? He didn't expand Medicaid. He didn't expand Medicaid under the affordable care X dollars. Yes. Right. Yeah. So I lost mine when I moved here. Right. Right.

I call Medicaid and, you know, I'm talking with the rep and she's like, you should have a kid. You'd qualify. She's just joking, but it's actually true. If I popped out a baby, please don't. I'd have Medicaid.

Totally would. Yep. Totally would. And you're saying that I would not be a good dad? I totally would be a good dad. Absolutely. Completely. Didn't you, in your fury of emails to us, you adopted a dog and lost it in a couple months. I wouldn't trust you with a human baby. That's not what happened. Okay, well that's not what happened. You kind of told us. The dog, oh my God.

I'll allow you to tell it. This is your platform, dude. I'm allowing you to say whatever the f*** you want. I adopted a dog from Arlington Animal Shelter, right? Very friendly. Very nice dog. Got it into my apartment and it was completely traumatized. It hid behind the sofa, peeing itself for a day. And, you know, I was like, okay, I'm going to give it some space to, you know...

acclimate and try to, you know, live with some food and some water and just give it some space to... Maybe I'm scary. Maybe it's just the new environment's scary. That kind of thing. And it never came out. It was just absolutely frozen in fear. Okay. And...

After two or three days, it wasn't a month. It was two or three days. I realized, oh, this dog is just absolutely terrified. There's something going on with it. I took it back to the Arlington Animal Shelter and the...

one of the shelter workers there was like, oh yeah, she's special. She's special. She just likes me. And when she saw him, she just opened up, you know, just jumped right on him. So happy. Like we actually had to carry her to my car from the mall.

And I thought it was because the asphalt was hot, but it was because she was frozen up in fear. That's totally what it was. And you want to call me a dick? Okay. I can keep that dog. Sorry, man. I've never said that word once. I'm a bad dad. All right. Right now. I can't take care of an abused animal. I'm not that good. Sorry.

I mean, you sent us an email. Like, you were sending us emails that are different than that story, but that's okay. That's the only reason I'm going to look like a dick for that, and that's okay. But it is different than the stories you told us via your email. We were tracking it. We were following along. Trust me. We read them. What else? I want you to do better with your finances, but again, so what I would have suggested is, you know, possibly taking those jobs. Now, okay, you're like, okay, I called those jobs. I couldn't. I didn't get it. Now,

What I would have then responded with that isn't a give up. It's a let's look at your resume. Let's review your resume. Let's see what it's like. Let's look at your interview skills. Let's look at the actual jobs you're applying for. At the time of filming the last episode, you were very adamant about that.

You refused to work a job that was kind of underneath you. You felt like you were qualified based on the things that you... That's exactly what I did not say. I said, I will gladly accept a job that I'm not expecting, something less than I'm expecting. But there are some jobs I can't do and I'm not very good at. That is what I said. Please play the clip if you have any integrity.

Okay, so every job... No, you haven't actually been applying to every job, have you? You've been applying to jobs that you more want to do, correct? Jobs that I'm qualified for. Okay, but not jobs that feel like are a step down. Yeah, because I feel like I want to accomplish things. Okay, so you're picking and choosing to be very clear. You're not just applying for every job. There are jobs that you probably could have gotten...

I guarantee you there's people working McDonald's or retail or a server or something that have misdemeanors. I did. I applied for half-priced books. I'm a writerly guy. Okay, so one. And it's a bookstore. They're probably not hiring as much, but one. They were. And I even followed up with them. I went there and they were like, oh, you're overqualified. They're afraid I'm going to leave. I know, but that's one place. That's one place. That's what I want to make clear is you are very much picking and choosing.

I want you to have the job of the dreams. I feel like the world is picking and choosing for me. Yeah, but... Okay. Okay. Also, the episode is there for anyone to do. And right now, yeah. And right now, I'm being... You okay? I am being... Well, I'm just giving you my reality. Okay. I don't want you to feel... I've been smeared by the Daily Mail as saying I'm not willing to work. By you, too. And you're continuing to do it.

Which is interesting. Because it's part of your routine. We don't even edit the episodes like that. We allow the guests to put on display whoever they are. We're allowing you to do it. You can't blame us for that. You're not saying what I actually said. But you can't blame us for literally uploading you. That is... I can blame you for mischaracterizing and not seeing what I've said. Fine. Maybe I misunderstood what you said. You absolutely did.

You absolutely did. I will take your word for that right now. Play the clip. Play the clip, sure. I will take your word for that. I watched that episode about 50 times. That's not healthy. I know every beat. That's not healthy. Well, I do have a little bit of OCD, okay? So, you know. Okay, so you're willing to. And when your followers are actually smearing me and I'm being smeared across three nations...

Europe, the UK, and the United States of America... Europe is not a nation. It's, well, loosely. The Union. Okay, we can call it a continent. You know, it's organized in sort of a unifying way. I was being dumb. Go ahead. Anyway. Well, again, I am sorry that you went through that. I wouldn't want anyone to get smeared. That's bad. And, you know, just human to another human. That's really sad, and I'm sorry.

And I encourage, please do not smear. You know, even in the comment sections, it's a little hard. People say we don't moderate it. We do.

you don't see what's moderated. That's why it's not there. We do, we delete things that are like legitimate, like hate and threat for life, but things that are slightly insulting, you know, we relatively leave that up as well. We kind of try to do the free speech while also getting rid of the worst of the worst of the worst of the worst. So, um, but you know, always encourage the guests. They come on here, they're brave enough to be on here and you're brave enough to be on here. So thank you. Thank you for being here by the way.

And also, across all channels, across just the main channel, we get one comment per 10 seconds, so it's very hard to moderate everything. But we do try our best. We do. We're a team of eight, and we try our best.

Went in the gas station, got some bullshit. Got something through Apple. Taco Bell, Sonic Drive-In. Going inside, getting some taquitos. Alamo again. Oh, that looks like you went in and got some taquitos. Went in and got some taquitos. Went in and got some taquitos. Went inside, got some taquitos. Some P. Terry's. Went inside, got some taquitos. Went inside, got some taquitos. Would you be surprised if you went inside and got some taquitos? And Chick-fil-A went inside, got some taquitos. Sonic Drive-Thru, Uber One.

Do you need to be paying for Uber One? UX research. Huh? UX research, Caleb. What? Consumer side UX research. I spent 250 hours driving Uber Eats and I'm wondering why I'm not making any money. Okay. Signed up for Uber One. Are you okay? Do you want to take a pause?

That's just all it is. No, no, no. I'm not going to sit here while you're just, if you're like hurt, buddy. That's nothing to me. If we're not walking away without you having some sense of where to go and make some progress, I'm not going to sit here and just, you're just like going to be sad. I just don't have any faith that you're going to give it to me. I don't think I'm going to learn anything from you. Well, if you don't walk away with it, that's your fault. But I will at least attempt to provide. Attempt to keep going. Okay.

Go inside, get in some taquitos, kava, Amazon Prime, Apple Bill. Go inside, get in some taquitos, Taco Bell, Apple Bill. See, I'm just thinking, man, with what we spend on the Airbnbs in the hotel, we can get you a studio here. And then if we're meal prepping for $300 a month, which on our budgeting program, which everyone can take advantage of, by the way, link in the description below, there's a meal prep there and you can tweak it to your needs and you can easily stick within $250 to $300 a month on a sustainable, healthy meal plan.

We could get you to a good place. That just requires sacrifice. Last time, one of the main things we were talking about, now you say that I'm misrepresenting. Okay, let's say I'm misrepresenting and you're willing to accept any job. One thing you're talking about when it comes to applying for the jobs is that you're saying you're always overqualified and that you... Wrong? People tell me I'm overqualified. Okay.

So why don't we reflect the resume if that is the actual reason? Why don't we just reflect the resume and take off some of the qualifications? Let's just get you a job. That's all that matters. Sure, but what matters more, getting the job or not? Is it the pride or is it the job? If that is the actual reason, which I don't 100% believe. I've changed my resume before. It doesn't really work. Like I went to, I had a job interview at a Ross dress for less job.

Right. Job interview. Well, yeah. Job interview at a Ross Dress for Less. I'm going in there with my best spirit thinking, oh, you know what? I like merchandising. I like clothes and merchandise. I like design. I like selling. And they're like, do you have any retail experience? I was like, yeah, in high school, fast food experience in high school and in college. Yeah. OK. But OK, I'm excited. I'm like, you know, we can.

this store you know there's opportunity here i'm going in there with a positive spirit and she's like this is dude you're mistaken this is just a raw stress for us i'm like so what like we you know we can make yeah we can make things but you know buddy they have to follow a big corporate model you're trying to walk into a job and they don't really it's not that stringent buddy you're trying to walk anywhere it's like it's like if i hired you for brandon's position oh man are

Are you not open to any criticism? What do you want? No, I'm telling you, I could not operate there. But I cannot operate underneath a... This is what I wanted to get to. I could not. Okay. We're back to it. Right. And this was the conversation. I couldn't operate there. Because that woman, that lady, that college student, she... Oh, what an entitled... Come on. She... No. Don't be a dick.

Oh, now I used it. I want to give you free money right now. I partnered with different resources that will literally give you hundreds of dollars the moment you sign up for them. Check out my investing app of choice, MooMoo, where they give you up to 15 free stocks and 8.1% interest on your uninvested cash when you sign up with my link. Do you want a more traditional savings account?

Check out where I keep my emergency fund, SoFi, where they'll give you 4.6% on your money and up to $250 for signing up with my link. Would you rather have automated investing? Sign up for Acorns with my link and you'll get $20 right now instead of the usual $5 you'd get from your friend's referral. You can also sign up for our investing program and get $100 in cash deposited into your Moomoo account. This is the best way to learn what your investing profile looks like and what investing strategies to use based on that. All of this fun

Free money is linked in the resources section of the description below. So don't pass up the free money because I'll punch you. She was, she was like, dude, you're not supposed to care about this job. That was what I was getting back from her. Like, and that's, I care about my job. Who gives a, but you're just trying to pay bills at that point. Listen, I, the way I try to help people navigate the job platform is. If I do that, I lose my $2,000.

And content marketing. You can't write that after hours. Probably not. It takes quite a bit of research. How many hours a day do you work? Seven to eight, usually, when I'm not driving Uber Eats. And then I'm working on my music, and I've busked on my music and made money. Oh, how much are you making on that? I've made like $150 in an hour busking in downtown. Yeah, pretty good. Yeah, how much have you made total on that? Whenever I do it, I make money.

I just can't do it all the time. You can't sing all the time. It's an emotional craft. But if you're too fragile to sing, then don't sing. It's as easy as that. No offense. I mean, if people are too fragile to go have a kiss with someone, they shouldn't be going out and having kisses with people. Know yourself. Know what's good for you. Know what's not. And be an adult. $2,000 a month. Divide that by four days or four weeks. Divide that by... Wait a second. Let me make sure I'm doing this right. $2,000 a month.

Divide that by five days, 100 divided by seven. Okay, so you're making $14 an hour on this content writing. So again, in Austin, I have found across the board, the median entry low wage for these type of jobs is about $18 an hour. So you'd be making more doing that. I don't care if you're working for a college student who doesn't care about her job. You don't get to walk into a place. If I hired someone and they walked in on day one and tried to reorganize the company,

This episode is brought to you by Maersk. The supply chain is the backbone of any business, but with the growing complexity of logistics, it's getting harder to stay on top of everything that's happening. That's why Maersk created Logistics Insights, a hub full of articles, videos, and e-books to help you keep your business running smoothly. And there's even a podcast called Beyond the Box. Head to Logistics Insights to discover all the free resources and listen to Beyond the Box. Get it all at maersk.com slash insights.

They would not be there on day two. How are you surprised on that? I've done it for a living. You do nothing for a living.

So I don't want to hear that again. I've walked in as a consultant and completely redesigned operations. And guess what? You're not working as a consultant right now. So that means nothing. If you were successful as a consultant, you would be doing it right now. That means nothing. I've been a successful consultant. Buddy, you would be doing that right now. I hear the, I have the information. It sounds like to me, I've been a successful consultant with you. That's not consulting, buddy. We want to make everyone's experience better. Uh-huh. That's what I'm doing. I've made you a lot of money.

Either way, that perception on jobs, like, I'm not surprised you don't have a job. If that's how you go into jobs. You can't sit here and say, I've been a successful... You're saying I don't have a job when I've had, like, five jobs in the last month. I mean, I'm never able to finish a thought on this one. Well, it's because you keep getting wrong.

You saying you were successful in things in the past, yet somehow you're not successful in any of it now. I'm not rolling in it, you know? You're rolling in a car. Yeah. Because you don't have a place to live, because you're not holding down a job, because you want to walk into a place and control the place, because you're not willing to work for a college student. That's not exactly how it is. Because you want to be the boss, because you think you've been more successful in the past about other things. That's your narrative. Because you think you have a degree in information systems that you deserve to make all this money and control a company and run everything. That's your narrative.

You know that's only based on what you said. That's your narrative. You know the narratives that I drive and the beliefs I have are only based on what people tell me. It's going through your demented skull and coming out your f***ing mouth. You have a way with words. Poetic. I can see why you're a good writer. Thank you. You fueled it with going inside and getting some taquitos. And some taquitos and some taquitos in Alamo Draft House. Oh, you spent money on Uber Eats. I'm working 12 hours a day. I'd pick a sandwich. And...

You went inside, got some bulls. Airbnb, make a sandwich. No. Yeah, cooler. Everything I'm saying is so much easier than done. Oh, I want to address the austerity thing. That's what you brought up at the beginning that I didn't get to address because you're talking, of course, again, the victim Olympics. So when it comes to that, fun fact, when you don't have any money, you can't afford to live. Yeah, maybe we're cutting back and not having paid for fun. Who would have thought?

But actually, once people get out of debt and have a fully funded emergency fund, compared to any other finance YouTuber, I give people more percentage of their budget to go spend on fun and living life than anyone else I know. I do that. I say cutting back to no paid for fun when there's only a couple hundred dollars left in the budget and we're in 30% debt or taking out payday loans and not able to survive, not able to pay for an emergency. Are you here? Are you open to conversation? You're not even open to... Okay, this is a waste of time.

You asked for it, so we're going to continue, but this is a waste of my time, obviously. Going to a car wash. Go inside and get some taquitos. Go and get some taquitos. Papa John's taquitos. To Pie Society. Porchon. What's the porchon? Looks like a restaurant. Getting some liquor. Don't do that while you're driving.

And Apple Bill, Chicken Express, going inside getting some taquitos, going inside getting some taquitos. Wow, this is an endless amount of money eating out. McDonald's, liquor, going inside getting some taquitos, going inside getting some taquitos. Sonic driving, going inside getting some taquitos, going inside getting some taquitos. Going inside getting some taquitos, going inside getting some taquitos. Gaming funds, Apple Bill, Starbucks. I don't know what that one was.

There's another one on there that I don't know. I think it was a job seeking app. It was like, uh, I downloaded like a job seeking app, but it was a total piece of crap and I couldn't work it. I don't remember what it was. Go inside, get some taquitos, taquitos, taquitos, Taco Bell, taquitos, daydreamer. It's expensive. Left house LLC, iron bear, not a bar and taquitos prime video. Do that when you have your own TV.

Alamo Drafthouse. It's expensive. The thing is, I'm not against people having fun. People misinterpret that all the time. I'm not. You literally just don't have a place over your head. And I care more about you having safety and security than you going to a movie theater. Maybe I'm a bad person for that. Maybe I'm a bully for that. And I will accept that if that's the case. I did the lunch shift from 11 to 2.

Get a $2 movie at Alamo because I have the Alamo VP Pass, which is $20. And I spend the only two hours of joy that I have in a day watching a movie. And then I go back to drive Taco Bell 30 miles to a mansion in Williamson County.

And to leave it at their door for a $2 tip. And I'm like, I just lost money. This is madness. Yeah, maybe we're not doing Uber Eats anymore. Yeah, I'm not. I quit. Okay. Well, you didn't say that. Yeah, that was my last month. I did three months. And just to get the data to prove you wrong. Well, again, if everyone lost money, no one would be doing it. Two hours.

2 to 4.30 maybe. That was my only moment of joy. Okay, listen. Every day. And that's what people say. They immediately get upset that I'm like, oh, the cradle doesn't want them to experience joy. That's not even close to the case. I say if we have a couple years to sacrifice, I want you to have the rest of your life spent for joy. We can have so much more time than two hours a day in joy if you're willing to, because you didn't sacrifice over this last year and a half. Sometimes I have joy when I sing. You don't care about improving your life.

No, I don't. I don't, Caleb. That's what you want me to say. No, I want you to be real. Thank you. Can I create a budget for you and actually help you? You take everything I say and you immediately think it's like me hating you when I do not feel that in my body. You can't create a budget for me. Can't? No, I'm not going to follow it. Why? Because I don't like or trust you. Okay. That's really unfortunate because I want to see you do better. And I feel...

The average guest on this show is paid off $8,000 in six months, something like that. I want you to be included in that statistic. I want you to be included in our private discord for past guests. I want to see you make progress like all of them. Yeah, I'm not doing that. Yeah. Why would you want to live a better life when you could just live like forever?

like you have for the last year and a half why try to live a better life i don't trust you i don't really trust me i don't trust her like you or your but there's nothing you would have to rely on my trust from why would i do that there's nothing you would have to rely on my trust from though i'm confused because i'm not holding your hand after this i mean unless you reach out no i'm gonna keep talking dude because i want you to live so allow me to just ask questions

We want to set you up with... No, no, no. We want to set you up with a plan. Okay, write it down. We legitimately want to help you. Let's do this. Let's just... In a world where...

In a world where you want Caleb's help. I mean, okay. Sorry. Love you, Caleb. Fuck Caleb. What are you going to do with your life? What is your plan? Maybe we take this moment and we say, instead of you're going to follow Caleb's plan and worship Caleb and everything. I applied for a $20,000 grant from the Long Foundation, which I'm probably going to get. I've met all the musicians that I want on my album. We're going to rehearse and go to studio. I'm doing an album release party, probably looking...

I'm maybe late fall. That's what I'm doing. I've been playing so many mics, meeting the musicians that I loved. I met a dude from Diamond Rio who said, that was good. I was like, holy shit, a childhood legend. That's it. It felt awesome. Yeah. Yeah. I believe in these songs. Yeah. And when I play them, it's not always going to be the best performance, but-

80% of the time. Like, it's good. I'm excited to hear it, man. It gives me chills. So these are people you've wanted to work with? Oh, yes. Yeah. That's sick. Yeah. So how did you come up with this album you wanted to do? These are my favorite 10 songs. I write a lot of songs. Some of them are crap, right? I'll just be writing. I write songs almost like all the time.

It's just in my head. I'm always humming something. Me too. Yeah, you're a music guy. But these are the ones that I've played and have traction. And they span a lot of genres. But...

I think they have some kind of common thread in them because they speak to me. I don't know. So what's your plan with this? So you think you're going to get this $20,000 grant? I hope so. And then what do you do with this $20,000? Oh, we'll rehearse, put it together. Tony Morris said he wants to play. Great guitarist. Great drummer, too. I mean, he's multi-instrumentalist.

Tommy Luke was interested. I want to book them. I don't want to book

musicians for session for rehearsal without paying them because I want to respect their time. Is $20,000 going to be able to pay for all this? I think so. I mean, because we're not really composing anything. It's more like a jam session. These songs are really open. They're beat out in chord progressions. And these guys are talented enough they can riff it, right? So we would only need to rehearse a couple of times and then hit the studio.

I think it would probably be enough. When's your timeline for this? I don't know when the grant is. I think it's in a couple months, their decision. Wow, okay. How competitive is this grant? Oh, the budget's like $2 million. Yeah. It's from the Long Foundation in the city of Austin. Oh, I know that one. So there's a lot of money in it. There's a lot of money. And you have to promo the city of Austin a little bit in your materials. Yeah.

and in your I'm doing it my pitch to them was as an album release party that I would promote in media and you know I kind of wanted to make it free too well don't do that I need you to make money man well I mean I'm getting money from the city so I don't know and I'm going to sell albums and things like that when will you know

I can't remember the decision date. Will you let us know? Yeah. Yeah. Okay. Yeah. Is this, is this your plan? Is this your hope? Is this what you're aiming for? That's what I'm aiming for. For sure. So when it comes to your career and the different job things, it's, we're really just, we're hoping for this one.

Well, I mean, no, I still like digital media. So digital media, do you think we could build that out more? You think we could build it out more than seven hours a day? Because this is proof on paper. This is what excites me about your... Back then when I had my agency, I really had a brand. I had a design wheelhouse. I had designers that I recruited and developed.

And learned from. It was a collaborative process. I'm more of the information architect. And, you know, some guys are just, you know, graphic designers that have a really great sensibility for design and art in general. I like applying it to the web and user experience. And I like understanding the psychology of audiences. Yeah.

But working seven hours a day and bringing in 2,000 hours a month, I know that's getting us to about $15 an hour. But I think if we really lean in, we start committing, and you clearly have a passion for this, and people are willing to pay for your talent. Do you think we could start maybe inching that towards about $20 an hour, $25 an hour? Start getting that towards nine hours a day. If I really repositioned everything back around it, I mean, I would be back at $70 an hour again. Are you willing to reposition? Or why aren't we? It depends.

It takes... It consumes your identity is what it does. Like you have to be on LinkedIn selling all the time. You have to be writing papers. Because you're a business owner. Yeah, totally. You have to be writing papers and journals, UX magazine all the time. You got to be selling in...

a school of thought. That's what it is. We all have plans in life, maybe to take a cross-country road trip or simply get through this workout without any back pain. Whether our plans are big, small, spontaneous, or years in the making, good health helps us accomplish them.

At Banner Health, we're here to provide more than health care. Whatever you're planning, wherever you're going, we're here to help you get there. Banner Health. Exhale. It really takes. That consumes your entire identity. Suddenly, I'm not an artist. I'm like a...

Suddenly I'm not a musician. Suddenly I'm not a journalist. Suddenly it narrows all these identities of things that I am. Is there a middle ground between where we are now and that, though? Are you able to work for a digital media company, perhaps?

I know you sometimes come into a job and you're a little excited sometimes. And that's okay. Don't talk down to me like that. I'm not. I'm not, buddy. You are. I mean, because I have come into jobs where they're like, wow, what are we doing and what can we learn from you before? And that's a great, that's a really great space to be in because that's a wide open, creative space.

Playing field, right? Where you can make something that's interesting, that stands out, that isn't a commodity, that isn't just what somebody else is doing, right? And that's what so many people do. There's just like, oh, let's make it like this. I like to make things that haven't been made before. That's what drives me as a maker.

Now, my main question with that, though, is are you willing to work for a company that specializes in what you're doing as an employee, a content writer? Because I worked at a company before this. Oh, sure. Absolutely. I've applied for many. I mean, do you remember last... Yeah, I've applied for many of these jobs. I pay a content writer a lot of money right now, so I know they can make money. And at my last job at a company where we...

What are you getting content writing on? We have a very successful newsletter. And I work with them to just make funny things. Like News Brief? No, it's more education in terms of like, I like to throw out how to budget and stuff. Oh, financial guide kind of thing? Yeah, I used to write that kind of thing for law firms.

I mean, you know... Hey, you said people without financial certification shouldn't be doing that. Well, I was going to law school at the time and I was working for a lawyer. That's not a financial certification. I was working for a lawyer. I was ghostwriting for a lawyer. Yeah. Ghostwriting for lawyers. But would you be willing to work for one of these companies? Because I think that could be a really successful career path. What have I told you? Yes, of course. Okay, perfect. Okay, perfect. So maybe our focus then...

Over the course of this next month is if I can get you a security, if I can pay for a security deposit down on, you know, like first month's rent for a home, like I'm happy to do that for like a studio. If I do that and, you know, us being settled, that allows us to apply for these types of jobs a little better because it's obviously harder when we're on the road. Oh, yeah. Is that something? I can't even get my...

I can't even figure out this identity theft problem. Yeah. You know, it is still, I would like, it's still hitting me. Have you called the bureaus? I would lock down your credit. Yeah. Have you locked your credit? Yes, but I'm still getting crazy crap.

Do you have debt? As a full-time creator, I can tell you creating engaging videos takes a lot of time and effort. From scripting to editing, the whole process can be a headache. But that's where InVideo AI comes in. With InVideo AI, you're in the director's seat while the AI acts as your co-pilot, taking care of all the heavy lifting. InVideo AI is the world's most used AI video creator with over 10 million users in more than 150 countries.

It's the only tool I found that lets you control every aspect of your video using simple text prompts. So here's how it works. To start, you enter in a detailed prompt. For example, create a YouTube short explaining what an index fund is. InVideo AI will generate a rough draft based on your input. - Instead of buying individual stocks, you invest in a whole bunch at once.

This spreads out your risk and saves you time. If you need to make changes, it's as easy as typing. You can add subtitles, change the voiceover, or even modify the intro with just a few text commands. Want to change the language to French? Done. Au lieu d'acheter des actions individuelles, vous investissez dans un ensemble d'actions à la fois. Cela vous permet de répartir vos risques et de gagner du temps.

Need better footage for a scene? Done. It's that simple. And here's the game changer. InVideo AI can clone your voice. Imagine creating videos in your own voice without having to record anything. This feature alone saves you time and money, making video creation more accessible and efficient.

Once you're happy with your video, you can export it without watermarks and with access to high quality stock footage. This comprehensive tool replaces the need for multiple apps, saving you hundreds of dollars each month. So if you're serious about upping your video game, try NVIDIA AI.

Plans start at just $20 a month and you'll get access to millions of royalty free stock footage clips, voice cloning, and more. Scan the QR code on screen or check out the link in the description below and use my code CalebHammer50 to get two times the number of video generation credits in your first month. Yeah, of course. Yeah, I've got that. I've got, I've got my car. I've got a couple of loans. Geez, we haven't even, we didn't even have a chance to talk about that. No, it's yeah, I do. I don't have debt, but it's not that bad. It's not terrible.

That's usually why I dig on people so hard is because they say it's not that bad, by the way. People always ask why. People like you. You ask why I go in so hard on people because people always act like, oh, it's not that bad, but I need to show people that it really is. That's not an attack against you, Brent. It's not. It's your school of preaching. It is. It is. And I practice what I preach. I really do. It's how I live my life every day in terms of debt and spending.

Cool. So that could actually be a potential plan. That could actually be a potential plan. Yeah, that is my plan. Yeah. Okay. Can I make a budget for you? Yeah. What do you think rent-wise? I think we can get you in a studio for $1,000. I was thinking about that too. I was thinking about $1,000. Okay. Okay.

So if we're looking at a studio for about $1,000. Or I was thinking a room rental for like $700. That would be great. I'm looking at two places tomorrow. Creative houses, musicians, marketing agents, brand people, those kind of things. Really comfortable vibes, good design. I like that kind of thing.

Now, of course, you need to be able to vibe with the roommates and the roommates would need to vibe with you. Absolutely. So if we can do that, that's great. I'm just going to be conservative right now and say a thousand. Let's just assume the studio. It's better to be a little conservative. Okay. Now I'm going to put a couple hundred for utilities, 50 for internet. Okay.

I'm going to put $200 for driving gas. And honestly, we're going to, you know, in this content marketing that you're in, we're hopefully working remote. It's going to be a little less gas. But again, we're being conservative here. Food, I can get you $300 a month if you actually meal prep. No more going in and getting the taquitos and going out to eat. Well,

Why do I do this austerity right now? You think that's all the life is that I talk about? No, I just talk to people in bad debt. It's because I want you to get to a risk-free position where you don't have this bad debt and homelessness hanging over your head. Once you have a fully funded emergency fund, then I want you to spend 30% of your income on as many taquitos as you want. I am not austerity all day. I am not the UK government. That's not me, buddy. Spend that money. But we get to a place where you're financially healthy first.

Okay. TP Fund, this is anything you need else to survive. Anything. Anything at all. Because when you break down the budgeting, your own budget, go through the budgeting program if you want to, and you learn how to build it out and follow it every month, you will decide what goes there. Are there co-pays on a monthly basis, medical, things like that? Oh, I don't have health insurance. That's dangerous. What about the exchanges, though? You should be able to get on a program that wouldn't cost you anything on a monthly basis.

I tried it. The website referred me to Medicaid and then Medicaid said I didn't qualify. And that was last year. I don't have an address right now, but I would try again. I mean, when I try again, when I have an address, subscriptions were canceled subscriptions. I know people think I'm evil for that. Again, you can't afford a place to live. So I don't think we have subscriptions. You know, it's just priorities, right? Anything else you need? Phone bill. What's your phone bill?

Um, 77. Okay. I would switch to a cheaper thing like helium where it's like 20 bucks a month for like similar coverage on the same towers when we're just trying to cut back. Well, I'm in a deal. I got this because it works well with Uber Eats and it was less than T-Mobile. I'm guessing that phone's financed. Um, I think so. Okay. I've lost my calculator, but I'm going to use my phone.

You don't seem too happy, man. But again, I don't want you to have a negative experience. I really don't. You might think I'm a bad person and evil. I want you to do really well. And I hope I can prove that to you somehow. I really do. You need $1,000. If we do this, $1,000. Oh, wait. Do you know your debt minimum monthly payments besides the phone? Probably $300 or $400. Let's say $400. You need $2,327 a month to live, which right now, by the way, you're bringing in.

I think which is a little more on this content side or if we get a full time job in that content side or just hourly basis and you're working hours or per content delivered and we're delivering as much as we can. You can easily do that. You're already showing that you basically can. So that is very manageable. This is the exciting part in the temporary austerity that you think is permanent because you kind of misrepresent my position. But that's OK. That's OK.

From there, if we can bring in $3,000 a month after taxes, that extra $700 that you have, if we start throwing that towards your smallest debt, this is the Dave Ramsey way, the way you hate, but if we start throwing it at that and you pay off that debt and you roll that in minimum monthly payment into the next debt and you pay off your debt as quick as you can, the high interest rate debts, anything that's 5% or less, you can leave, pay minimum monthly payments until they're paid off. If you do that, build a six-month emergency fund

That means anytime a big payment pops up again, you won't be homeless if you get laid off. That means if your car breaks down, you can afford the repair or you can afford to go get a $10,000 car. This saves you from ending up in a position right now. That's why not having an emergency fund is an emergency. It legitimately is.

You don't have to trust me to follow this advice. I don't care if you trust me or don't like me. I want to make sure you are never on the streets again because you're a human being and no one deserves to live on the streets. OK, but you have responsibilities and you have the ability to do this yourself. I don't think everyone who is poor, as you said, or homeless is there because they chose it.

That being said, on your side, you have a lot of choices and decisions that are putting you in the position you are. And I see the path forward where if you decide to take care of your situation, you can be in a better position. However, if you decide that you would rather present this as the middle class will never get ahead, people can never move up to the middle class, inflation 5% over the last however many years aggregate.

All these reasons. That's why I'm being held back. All these reasons, not my own choices. Then you'll never get ahead. I was just talking about in general. It's a trend. Well, what's the point? Because we're just talking about you. Well, I was, you know, I was fine. Okay. You can do this yourself. You can do this yourself. Let's put aside everything else that might be wrong in the world. I care about you in this conversation. You can do this.

Let's stop playing victim and let's achieve this. So I really think you can do this right now, man. So Brent, one thing that I wanted to do just before we finish this is, you know, we, as we just found out that last episode, since it was our third most popular episode, it actually made way more money than I thought. Cause most episodes in AdSense only make like a couple thousand, few thousand bucks. So yeah,

You were a substantial part in getting this, in just the organic conversation, getting this channel going.

you know, really pushing it to like the first couple hundred thousand subscribers, I think. So, you know, obviously in a tough spot and I hope you use this right. I hope you use the education that we provide the different things. I'm able to link you with a course careers certificate if you want that as well for different things. I don't, you know, that's up to you. But one thing I really want to do and what we're excited to do, we got $4,000 right here. This is all you, buddy. I want you to use this $4,000. I want you to,

To really put that towards maybe a security deposit, down payment, or not a down payment, security deposit, first month's rent, a starter emergency fund, and maybe throwing also some towards the debt so that we can start getting out of debt. Because I really think you could live a good life, and I really want you to as a fellow human being. No matter what you think about me, I want you to be successful. I promise you that. Okay? Oh, thank you.

I'm excited to follow your journey. Now stick around for the post show, everyone. Today on the Financial Audit Post Show. I was willing to box. Such a good idea. It's like hitting a man in a wheelchair. Oh, stop. He's not in a wheelchair. You can't stand. Are you in a wheelchair? What was interesting is that I don't know how Caleb thought that I was going to punch him in the face last show. You were shaking. You were in anger. Yeah.

I mean, but that doesn't result in violence. For some people it does and I don't know you. To watch the Financial Audit Post Show, click the Join button below.