He Called My Black Employee The N Word | Financial Audit
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Quick Read
Summary
Takeaways
- ❖Jerome, 42, is unemployed from a high-paying railroad engineer job, now works at Walmart for $14/hr primarily for insurance.
- ❖He lives with his mother, has three DUIs (the third being a felony), and is on probation requiring a breathalyzer.
- ❖Jerome has substantial IRS debt dating back to 2015 due to claiming tax exempt and not paying taxes.
- ❖He generates income through online gambling loopholes (writing letters for free plays) and reselling arcade prizes.
- ❖Jerome explicitly uses a racial slur on air to 'prove a point' about language and context, directly addressing a Black employee.
- ❖The host, Caleb Hammer, expresses extreme disgust, calling Jerome 'pathetic' and 'disgusting,' and vows to contact his Walmart manager to get him fired.
- ❖Jerome was previously accused of sexual assault in a local Facebook dating group, which he dismisses as jealousy.
Insights
1Severe Financial Irresponsibility and Debt Accumulation
Jerome, at 42, has accumulated significant IRS debt since 2015 by claiming tax-exempt status and intentionally not paying taxes, expecting the government to eventually garnish his wages. He also has outstanding collections, including a repossession and an eviction, and is behind on student loan payments, demonstrating a long-standing pattern of avoiding financial obligations.
IRS debt since 2015, $24,611.49 from 2015, additional debts from 2018, 2019, and 2023-2025 (unfiled). Repossession debt of $10,000. Eviction debt of $9,977. Student loan payments of $279/month, 3 months behind. (, , , , )
2Controversial Stance on Language and Race
Jerome deliberately uses a racial slur on air, directly addressing a Black employee, to argue that 'language is a social construct' and 'context and intent matters,' claiming the word itself has no inherent negative meaning. He dismisses the emotional impact on others, stating he doesn't 'care about people's feelings,' only 'facts and reality.'
Jerome states, 'the n word... language is a social construct that is warped by people and context and intent matters.' He later says, 'The word itself has no meaning unless you give it meaning.' (, , )
3Life Defined by Legal Troubles and Dependence
Jerome has three DUIs, with the third being a felony, and is currently on probation, requiring him to use a breathalyzer. He cannot drive and relies on public transport or a motorized scooter. Despite being 42, he moved back in with his mother, further highlighting his dependence and lack of self-sufficiency.
Host lists: 'Three DUIs, on probation, has to blow into a breathalyzer, can't drive, lives with mother, 42 years old.' Jerome confirms his third DUI was a felony. (, , , )
4Unconventional and Unstable Income Streams
After quitting a well-paying railroad engineer job, Jerome relies on a part-time Walmart associate position and 'side hustles' including reselling arcade prizes and exploiting a 'legal loophole' in online gambling by writing letters for free play money. These methods provide inconsistent income and contribute to his financial instability.
Jerome states he quit his engineer job and now works at Walmart for $14/hr. He details making money by playing arcade games and winning prizes, and writing letters for $5 each to get free plays at online casinos. (, , )
Bottom Line
Jerome exploits a 'no purchase necessary' legal loophole in online gambling by writing letters to casinos for free play money, averaging $1,000/month, which he claims is a stable income source.
This highlights an unusual, potentially vulnerable, income stream that relies on a specific regulatory interpretation, offering a non-traditional way to generate funds, albeit with inherent risks and ethical questions regarding its sustainability and impact on personal financial discipline.
For individuals in states with similar gambling regulations, researching and understanding such loopholes could present a unique, albeit risky, income-generating method. However, it also underscores the need for regulatory bodies to close such gaps if they lead to problematic gambling behavior or tax evasion.
Opportunities
Reselling Arcade Prizes
Playing arcade games to win prizes and then reselling them for profit. Jerome claims to do this regularly.
Baltic Tea and Sage Export Business
A future business idea to source specific teas and sage from the Baltic region and sell them on platforms like Amazon, aiming for professional SEO and marketing.
Key Concepts
Laissez-faire Attitude
Jerome exhibits a complete lack of concern or responsibility for his financial and personal obligations, believing things will 'eventually' sort themselves out, even regarding significant IRS debt and legal issues.
Facts Over Feelings (Misapplied)
Jerome attempts to justify his use of a racial slur by claiming 'intent and context matters' and that 'the word itself is not bad,' ignoring the historical and emotional impact on individuals, demonstrating a severe misapplication of the 'facts over feelings' principle.
Lessons
- Prioritize paying taxes and addressing outstanding debts (IRS, collections, student loans) to avoid compounding penalties and legal issues.
- Seek stable employment with career progression rather than relying on inconsistent 'side hustles' or low-wage jobs, especially when facing significant financial and legal challenges.
- Cultivate empathy and respect in communication, understanding that words carry historical and emotional weight, and avoiding intentionally offensive language.
- Utilize budgeting apps like DollarWise and financial assessment tools like Caleb Hammer's financial score to gain control over spending and debt management.
Notable Moments
Jerome uses a racial slur on air, directly addressing a Black employee, to make a point about language and context.
This moment is the central conflict, demonstrating Jerome's profound lack of empathy and controversial views on social constructs, leading to intense condemnation from the host and highlighting the real-world impact of such language.
Jerome reveals he has three DUIs, one a felony, is on probation, and uses a breathalyzer, yet found a 'loophole' in the testing schedule to potentially drink.
This illustrates a severe pattern of addiction and legal irresponsibility, combined with a willingness to circumvent rules, underscoring his overall lack of accountability.
The host, Caleb Hammer, explicitly states he will call Jerome's Walmart manager to get him fired, citing his offensive behavior and irresponsibility.
This is a rare and extreme action for the host, emphasizing the severity of Jerome's conduct and the host's complete rejection of his character, moving beyond financial advice to direct consequences.
Quotes
"You're actually the most pathetic person I've ever met. Three DUIs, on probation, has to blow into a breathalyzer, can't drive, lives with mother, vehemently racist."
"Language is a social construct that is warped by people and context and intent matters. No fear to say it."
"I don't care about people's feelings. Uh, it's not about feelings. It's about facts and the reality."
"Money is just a tool to pay bills and that's it."
"You are the example of what is wrong with men. You are pathetic. Living your mom at 45."
"I want to apologize that you were hurt by something that was said."
"I'm sorry that it wasn't the most productive episode, but he's a piece of [__]. And men, don't listen to him. Men, do not listen to him. Do not be like him. Be better. You are better. We are better."
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