Chapter 1: What warning did Caleb give about the stalker?
to watch episodes of Financial Audit a week earlier, check us out on YouTube. The most recent message she sent to you, I got told of the times you were stalking me without me knowing, so no trust from your part. I thought.
Chapter 2: What does Caleb think about the stalker's actions?
She said I'd give your shit back, then we can go back to not knowing each other. Dude, she said you were stalking her.
Yeah, afterwards, but during that time, it was not my fault that she... It was not my fault. It was not my fault that she actually found out. Actually, Erwin knows all these different things, and we actually had a few different discussions that I'm pretty sure he might not have told you about.
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Hi, my name's Liam. I'm from Conroe, Texas, and this is Financial Audit.
Thanks for coming down. You got a little bit of a Nazi look to you. Just a little less of the blonde hair, but that blue eye is screaming at me, and you definitely look like you want to kill some minorities, especially in that small Texas town of Conroe. Conroe just sounds like a racist town. It sounds like a town where you just, you know, kill some blacks. No. So what do you do in racism?
In racism? Absolutely not. More for me and for my work, I deliver for Uber Eats. Oh, you got the accent of a racist, too.
But you're delivering Uber Eats, so you're working with them, so that's good. Yeah, yeah.
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Chapter 3: How does the stalker justify his behavior?
Okay, inclusive. Well, Uber Eats doesn't really pay that well these days.
Listen, did great during COVID, gets better and better and better. Actually, they do pay quite a substantial amount now versus whenever they first came out. I'm making now.
When did it first come out? What are we comparing it to in that little argument? What are we comparing it to?
Well, like seven, eight years ago, you'd get maybe like a $5, $6 order to drive like 20-something odd miles just to drop off some McDonald's. How many people are Uber eating in Conroe? I would say just a small, maybe two dozen. But that stretches all the way from Willis, Conroe, Montgomery. Okay, you're saying words that I don't recognize. The cities, the cities.
But no, with the amount of drivers, it's pretty equal all around. Everyone makes a pretty good share. I don't really know how well the other drivers are doing, but I know I'm doing pretty well.
How many...
Hours do you drive a week? Well, they fluctuate. I try to drive 12 hours from basically noon to midnight, the lunch rush.
Every day?
Seven days a week? Well, that's what I'm trying to do right now. What is trying to do? You do it or you don't? How do you try to do that? You do or you don't?
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Chapter 4: What financial struggles does the guest reveal?
That's making water week. I made a thousand for one week and this before gas Before gas. Yeah.
What did you make after gas and after maintenance percentage?
Which let's calculate that if I were to give like a pretty good estimate because maintenance fluctuates as well when it comes to tires oil everything else I would say maybe 700 750 a week. I Well, right now I don't have car insurance, so that's not also kind of including that. Even though they sometimes require it, but it's fine. Did you actually know that Uber... You're just talking.
What are you talking about? Who are you talking to? I'm trying to feed off of what I was just saying. I don't have insurance right now.
I said I'm looking in. The percentage that is recommended is set aside for maintenance because I assume you would not know.
No, no, no, no, no. But you're not listening to me, though. Whenever I'm telling you, it's like... I'm hearing your words. Well, you're not interpreting what I'm trying to say because you're not trying to listen. What I'm saying is Uber already has insurance that they provide to their drivers now. Uh-huh.
So they take, I think, about 1% to 2% of all the trips I do, and it basically kind of covers the insurance if I were to ever get into an accident.
Well, that's insurance. I'm looking for maintenance. I don't understand.
Oh, I thought you were saying insurance. I didn't know you said maintenance.
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Chapter 5: What is the stalker score and how is it determined?
Shut up. Okay. Score is zero to ten. How much are you?
Zero.
Okay. Doubt it. If you want your score... No, we're not doing that. If you want your stalker score... Go to calebhammer.com forward slash stalker. Figure out how much of a stalker you are. You should probably take that score and do some self-assessment later on. But so far, I'm thinking it's at least an 8.5 out of 10.
I would say zero.
So what's this installment loan agreement? How much did you borrow to follow her around? Which one?
What's the email?
Can you stop with your deep, like... Every five seconds?
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Chapter 6: What are the consequences of taking out payday loans?
Like, buddy, you are not thinking hard enough for those noises. What's the installment loan? What's the amount? It is, you borrowed 1,970, but you'll pay back a total of 5,923 because it's a 100% interest rate. Net credit. What are you doing? Here's the thing. Listen, man, this doesn't make any sense.
I don't even understand why you did that because personal loans and shit like that can be really good. Obviously not as a tool for you unless you change your financial situation. But on calebhammer.com, we also have those services when people want to get good interest rate personal loans that they can qualify for.
For like that $2,000, people can go to calebhammer.com, get a decent interest rate personal loan because personal loans can be good. They can be used if you change your behavior, a lot of things like that. But you financed it at 100%. What the f*** is wrong with you? What did you do here?
You little freak? So two things. The story behind that is actually... Oh, f***ing story. The story behind that is kind of interesting.
Chapter 7: How does the guest justify their financial decisions?
But the second thing is that's not really the highest APR that I got going on right now.
Oh, yeah. That doesn't surprise me, unfortunately, with you. Okay, I've strapped in. Give me the story. That certainly won't answer any questions I have, and I'll have to interrupt.
So I pulled out the loan because a close friend of mine... If you considered pulling out instead of making children...
Because you certainly can't afford that payday loan, guy. Okay, I had to get one interrupted. Continue.
A close friend of mine, she recently got into a dispute with her significant other. I won't say any names or anything. Not my business. But I had to pull out a loan to help her pay for attorney fees. She wasn't able to pull out on her own because she doesn't work. She has no credible income. A 100% interest rate payday loan? I'm pretty sure they'd still let her borrow.
That one, I wasn't 100% sure. No, it's 100% interest.
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Chapter 8: What advice is given about managing personal finances?
We talked about co-signing, but I was just like, you know what? It's easier if I just do it by myself. So I gave her $1,500 and I kept $450.
Why'd you take up more than you needed? Why'd you need to take some for yourself? It's still at 100% interest rate. That $400 is going to get... Well, no, that was for me.
She needed to... I know, I know that. Why'd you need that? She... I pulled it out for her.
I know that. I'm saying the $400 for you.
asshole yeah it was for a daycare for that month what so you could find another no for his daycare that month i know you could find another no yeah this one no it was 95 it was 95 a week she's not cute enough for you this time me and baby mom baby mama split his daycare every friday and i gave uh my friend feels comfortable splitting your future for
I gave my friend $1,500 for attorney fees and for her to renew her registration.
No, we got that part.
I'm talking about your part.
Which, by the way, was insane. I like the giving spirit for what it's worth. I'd want to help a friend out too, but you're borrowing it 100%. Are you sure you're the person to help? That doesn't make any sense. Why didn't you go borrow something that wasn't 100%? Let's call it 30%, which isn't even good. I needed something that same day. Yeah, you can get funded like that anywhere.
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