Caleb Hammer

You just meant that.

So he advised you to use $50,000 of the government paycheck for a car for therapeutic reasons.

Yes, I'm not saying don't.

No one's against the therapy thing.

It's that you blew all your money immediately.

I have a quarter million dollars of bad debt and there's no money anywhere.

What the f*** are you talking about?

Where, where, where, where, where, where?

You have a little bit of investment but nothing compared to where you need to be at 31 and you have a quarter million dollars of bad debt!

The money is nothing.

You are negative net worth substantially.

It's not even close.

What the are you talking about?

Okay, so... That's why your girlfriend signed you up.

I think maybe the 19-year-old is more understanding about personal finances than you.

I think she's smarter about money than you, and she said you need to get your ass in front of Caleb Hammer because you're a dumbass and you're going to fuck up the rest of our life.

Thanks to us for your betrayal, you make over $100,000 a year.

I was making $200,000 before I started getting the VA disability.

You still make great money in a not expensive major city.

You already have a mortgage.