The Most Hated Woman In Financial Audit History

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Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.

• 0:01Speaker 00

  This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome? That's new. It can help you with practically anything on the web. Like restoring a vintage motorcycle from a 50-page restoration blog. Or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up required. Compatibility and availability varies 18 plus.

• 0:27Speaker 01

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• 0:36Speaker 01

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• 0:56Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube.

• 0:59Speaker 03

  Men are just like this.

• 1:00Caleb Hammer?

  Oh, shut the [bleep] up.

• 1:01Speaker 03

  I swear.

• 1:02Caleb Hammer?

  Shut the [bleep] up.

• 1:03Speaker 03

  I just filed for a child support modification.

• 1:05Caleb Hammer?

  Why? Because you're responsible with your own money? [bleep] you.

• 1:07Speaker 03

  He gets cost of living adjustments with his salary.

• 1:10Caleb Hammer?

  That's his job.

• 1:11Speaker 03

  So why don't I? I raise his children.

• 1:12Caleb Hammer?

  And then you come a-begging?

• 1:14Speaker 03

  A-begging. You are such a man.

• 1:16Caleb Hammer?

  Who brought it up?

• 1:17Speaker 03

  Huh?

• 1:17Caleb Hammer?

  Who brought up getting a divorce?

• 1:19Speaker 03

  Me.

• 1:19Caleb Hammer?

  You negotiated that account?

• 1:21Speaker 03

  Yes.

• 1:21Caleb Hammer?

  Oh, [bleep].

• 1:25Caleb Hammer?

  Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. And for this final week, I'm paying for you to sign up. Sign up for Hammer Elite in the description or pinned comment below and submit proof of purchase at hammerelite.com. After that, I'll send you a $10 digital gift card that can be spent basically anywhere and in most countries. This is the best membership you'll ever join. That's a promise.

• 1:52Speaker 03

  This is Sandy. I'm 40 years old. I'm from Cocoa Beach, Florida, and this is Financial Audit.

• 2:00Caleb Hammer?

  Thanks for coming over from Florida. I appreciate it. What do you do there for a living?

• 2:04Speaker 03

  So I am an ocular recovery tech.

• 2:07Caleb Hammer?

  Wow, I have no idea what the [bleep] that is. Please, please, uh, just what do you make?

• 2:11Speaker 03

  So what do I make? I am per diem. So I'm on call and I make money per case depending on where I go. So

• 2:20Caleb Hammer?

  Average case amount?

• 2:22Speaker 03

  Average case amount is about 150. It really varies. I can tell you-

• 2:27Caleb Hammer?

  And what's your per case dollar?

• 2:30Speaker 03

  Um, I can tell you paychecks is basically what I can tell you.

• 2:32Caleb Hammer?

  Average paychecks. Give me average paycheck.

• 2:34Speaker 03

  So average paycheck is like 1500 every two weeks?

• 2:38Caleb Hammer?

  Net? As in that's what hits the account?

• 2:41Speaker 03

  That. Mm-hmm. Yep.

• 2:44Caleb Hammer?

  3000 hours a month?

• 2:45Speaker 03

  Yes. So I used to be an andrologist, which is super steady.

• 2:49Caleb Hammer?

  So this is near Orlando. So this isn't the cheapest in the world.

• 2:53Speaker 03

  No, no, and I live on the beach.

• 2:55Caleb Hammer?

  Live on the beach?

• 2:56Speaker 03

  I live on the beach.

• 2:57Caleb Hammer?

  In Orlando?

• 2:58Speaker 03

  I live like, well, no, I'm outside of Orlando. So I'm over by Cocoa Beach. So I'm about like an hour and a half away?

• 3:05Caleb Hammer?

  Oh, okay. She told me it was near Orlando before we started filming. Okay, uh, so $3000 net. Closest. This is in the middle of Florida. Okay. Okay, awesome. So how were you survive- is there, is there another side of this household in terms of income?

• 3:22Speaker 03

  No, no. So I'm a [bleep] mom with three kids.

• 3:26Caleb Hammer?

  Three? What ages possibly?

• 3:29Speaker 03

  I have a 12-year-old and two 10-year-olds.

• 3:33Speaker 03

  So pre-teens.

• 3:36Caleb Hammer?

  How the [bleep] are you possibly surviving? There's no way.

• 3:39Speaker 03

  Yeah, that's why I need your help. Like, I'm not-

• 3:42Caleb Hammer?

  Well, there's not much I can do about [bleep] making 3000 hours a month on the beach of [bleep] Florida with three kids other than go make more money, change your career. I don't know. What, what, what, what is there?

• 3:53Speaker 03

  I've been pulling from retirement.

• 3:56Caleb Hammer?

  Pulling from retirement?

• 3:57Speaker 03

  Yes, and I've pulled so much from retirement that I'll probably end up dying in Walmart. So-

• 4:03Caleb Hammer?

  That's what I say. Okay.

• 4:04Speaker 03

  I know. That's the point.

• 4:07Caleb Hammer?

  Um-

• 4:08Speaker 03

  Yeah. It's not sustainable.

• 4:13Speaker 00

  This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web. Like restoring a vintage motorcycle from a 50-page restoration blog, or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up required. Compatibility and availability varies 18 plus.

• 4:39Caleb Hammer?

  How long have you been pulling for retirement?

• 4:41Speaker 03

  Five years now.

• 4:43Caleb Hammer?

  From your own retirement that you saved up personally?

• 4:46Speaker 03

  Hmm, no. Uh, just-

• 4:49Caleb Hammer?

  Retirement?

• 4:50Speaker 03

  Yeah, well, I have like brokerage, I have retirements and stuff.

• 4:53Caleb Hammer?

  But you didn't save up personally, you're saying?

• 4:56Speaker 03

  Yeah, no, so I got an inheritance.

• 4:59Caleb Hammer?

  Oh, okay, well, inheritance is okay, you're pulling from the inheritance.

• 5:02Speaker 03

  And then I had a divorce.

• 5:03Caleb Hammer?

  Hold on, how much money did you actually have saved up? Because if we're using the word retirement in my brain, it's like, okay, this is what I worked for.

• 5:09Speaker 03

  Okay, so what I, well, and I didn't even work for it either because my hus- my ex-husband-

• 5:14Caleb Hammer?

  So zero dollars, okay, you never saved up anything in your life and you haven't earned anything? Okay, wonderful.

• 5:18Speaker 03

  I started with 6,000. My dad made me put open a Roth when I was 16, and I put my babysitting money in it and I didn't-

• 5:25Caleb Hammer?

  A Roth?

• 5:26Speaker 03

  Yeah.

• 5:27Caleb Hammer?

  You're gonna assume IRA, but-

• 5:29Speaker 03

  Yes.

• 5:30Caleb Hammer?

  Alrighty.

• 5:32Speaker 03

  And then I didn't contribute again until I got married and then-

• 5:35Caleb Hammer?

  What did you get in the divorce?

• 5:37Speaker 03

  I got half his retirement.

• 5:38Caleb Hammer?

  And do you get child support?

• 5:40Speaker 03

  I do.

• 5:40Caleb Hammer?

  Well, that would be included in the income, lady, what do you get?

• 5:44Speaker 03

  I didn't, um, I get 2150.

• 5:46Caleb Hammer?

  We're talking about surviving, how would you, okay.

• 5:48Speaker 03

  I get 2150 a month.

• 5:50Caleb Hammer?

  Yeah, well, that substantially brings us to, uh, survival, okay. So what the is the issue then? Why are we pulling from retirement in this case then? Because that extra, that extra amount helps. That extra amount should help. Well, you're trying to live on the beach.

• 6:06Speaker 03

  It helps, well- The beach is another like inheritance sort of situation. So I sold my childhood home and then took that.

• 6:14Caleb Hammer?

  Hold on, you sold your childhood home? The childhood home was given to you?

• 6:19Speaker 03

  I inherited it.

• 6:20Caleb Hammer?

  Okay, well, you're the only kid.

• 6:22Speaker 03

  No, my sister inherited some other properties.

• 6:25Caleb Hammer?

  All right.

• 6:26Speaker 03

  In Hawaii.

• 6:26Caleb Hammer?

  Very rich parents. Hawaii, okay, wow.

• 6:29Speaker 03

  They actually weren't rich. We grew up very middle class.

• 6:32Caleb Hammer?

  Oh, shut the fuck up.

• 6:33Speaker 03

  I swear.

• 6:33Caleb Hammer?

  Shut the fuck up.

• 6:34Speaker 03

  They were extremely financially responsible.

• 6:37Caleb Hammer?

  No, that's be- no, no. No, they were wealthy. Maybe not rich, private plane rich, no, but they were wealthy. Shut the fuck up, middle class. You don't know what middle class is. He's never heard of middle class. He's never witnessed middle class.

• 6:49Speaker 03

  I am totally a middle class kid. I have my dad's paycheck.

• 6:52Caleb Hammer?

  So the person who got inherited homes have sold them, got a big lump sum, half retirement from her ex-husband, and now a big inheritance from her parents. What the fuck are you talking about? Middle class.

• 7:05Speaker 03

  My parents bought my childhood home for 126 and I sold it.

• 7:08Caleb Hammer?

  Yeah, when?

• 7:09Speaker 03

  For 405.

• 7:10Caleb Hammer?

  When?

• 7:11Speaker 03

  In 95, but that's insane. We lived in it for 20 years. As they made more money, they didn't move up.

• 7:17Caleb Hammer?

  It's a 400,000 dollar house. I don't want to hear that 450,000 dollar house. They owned a house in Hawaii, so I don't want to fucking hear it. Okay, rich, not rich, wealthy. Fine, great.

• 7:28Speaker 03

  They did fine.

• 7:29Caleb Hammer?

  So what'd you do with that? To move on the beach, apparently? What did you do?

• 7:32Speaker 03

  So I used to work in a very small field, only job available in Florida. After I got divorced, was out in Melbourne, which is right next to the beach. It's not on the beach, but it's next to the beach.

• 7:43Caleb Hammer?

  Yeah, you're on the beach.

• 7:44Speaker 03

  Well, and I said I wouldn't move from my really good area to over there.

• 7:50Caleb Hammer?

  I said I wish I could support my kids.

• 7:53Speaker 03

  Yeah, well, at the time I could, because I just moved houses. Like, there was already equity in it, and then I just put the equity right back into my new house.

• 8:00Caleb Hammer?

  What's the issue? Well, what is your struggle?

• 8:03Speaker 03

  I can't afford.

• 8:04Caleb Hammer?

  So, no, you couldn't afford it then? What the fuck are you talking about?

• 8:08Speaker 03

  Well, look, I, I need to enjoy right now because.

• 8:12Caleb Hammer?

  You need to enjoy right now? You have three children.

• 8:15Speaker 03

  Yeah, but I'm probably gonna retire, um, retire. I want to retire around 50 and I'm probably gonna die at 52, so.

• 8:22Caleb Hammer?

  Yes, what do you have?

• 8:24Speaker 03

  Nothing, but my parents died.

• 8:26Caleb Hammer?

  What are you talking about?

• 8:27Speaker 03

  My parents died at fifty-three and fifty-two.

• 8:29Caleb Hammer?

  What'd they die with?

• 8:31Speaker 03

  One was a heart attack and one was a stroke.

• 8:33Caleb Hammer?

  Okay, take control of your diet and lifestyle.

• 8:36Speaker 03

  Good, and it runs in my family.

• 8:37Caleb Hammer?

  Bad luck.

• 8:38Speaker 03

  It's genetic, it's genetic.

• 8:39Caleb Hammer?

  Genetic, but you're probably not gonna actually die at fifty-two.

• 8:43Speaker 03

  Well, who knows?

• 8:44Caleb Hammer?

  Okay, who else has died at fifty-two?

• 8:45Speaker 03

  Um, my, my mom's grandmother died of a stroke at forty-two, so strokes run in my family.

• 8:49Caleb Hammer?

  Okay, that was also probably old.

• 8:51Speaker 03

  But...

• 8:52Caleb Hammer?

  Long time ago.

• 8:53Speaker 03

  Her parents were ninety, so it's either fifties or nineties, and so I need to be able...

• 8:58Caleb Hammer?

  Is it fifties or ninety?

• 8:59Speaker 03

  Exactly.

• 9:00Caleb Hammer?

  Okay, what the f*** are you talking about?

• 9:01Speaker 03

  So I wanna live nice if I die at fifty, but then be safe so that if I make it to ninety, I won't die in Walmart.

• 9:12Speaker 03

  So that's what I need help with.

• 9:16Caleb Hammer?

  Retire by fifty? In what world possibly? You said you're pulling from retirement. If you're pulling from retirement, there is no retirement at fifty. That doesn't make any sense. What the f*** are you talking about?

• 9:31Speaker 03

  Well, so so far, my net worth has stayed stagnant.

• 9:35Caleb Hammer?

  Doubt? We'll check.

• 9:37Speaker 03

  I just filed for a child support modification, and I realized that...

• 9:40Caleb Hammer?

  Why? Cause you're responsible with your own money? Fuck you.

• 9:42Speaker 03

  So that's exactly what he says, and that's bullshit. Inflation, we negotiated that amount in twenty-twenty. Inflation is ten percent over the past four years.

• 9:52Caleb Hammer?

  No, it was eight percent one year, and then it basically has gone down to three every year beyond that.

• 9:57Speaker 03

  But either way, it's an increase. We negotiated that amount, my child support amount, in twenty-twenty.

• 10:02Caleb Hammer?

  Yeah.

• 10:03Speaker 03

  He's getting in his...

• 10:05Caleb Hammer?

  Did you negotiate that amount?

• 10:07Speaker 03

  We did negotiate. It is not...

• 10:08Caleb Hammer?

  So you agreed to that amount?

• 10:09Speaker 03

  We agreed to that amount.

• 10:10Caleb Hammer?

  So...

• 10:11Speaker 03

  So, since he's getting...

• 10:13Caleb Hammer?

  Well, I'm feeling a tremor.

• 10:14Speaker 03

  I knew this. Men are just like this.

• 10:16Caleb Hammer?

  No, no, no, I'm feeling, I'm feeling a tremor. You negotiated that account?

• 10:20Speaker 03

  That amount, yes.

• 10:21Caleb Hammer?

  You negotiated and you agreed to it?

• 10:22Speaker 03

  Yes.

• 10:23Caleb Hammer?

  Well, fuck, my tremor's, my tremor's fucking coming. Oh, fuck. Oh, that's weird.

• 10:27Speaker 03

  Okay, so.

• 10:28Caleb Hammer?

  Would be the response.

• 10:29Speaker 03

  He gets inflation, he gets cost of living adjustments with his salary, so why don't I?

• 10:33Caleb Hammer?

  That's his job.

• 10:34Speaker 03

  So why don't I? This is my job. I raise his children. He sees them every other weekend.

• 10:38Caleb Hammer?

  You agreed to it. I'm not saying he shouldn't provide more, but you agreed to it.

• 10:42Speaker 03

  Okay.

• 10:42Caleb Hammer?

  This was something you agreed to in the court of law.

• 10:44Speaker 03

  And then circumstances change over four years.

• 10:47Caleb Hammer?

  Inflation literally always happens, except for a couple deflationary times.

• 10:51Speaker 03

  Why you're allowed modifications. You sound exactly like him.

• 10:53Caleb Hammer?

  You're filing for, but you did agree to this. You agreed.

• 10:57Speaker 03

  Yeah, that's a perfectly fine amount in 2020.

• 10:59Caleb Hammer?

  Why not agree to with inflation adjusted?

• 11:02Speaker 03

  Because now he knows that I overs, he sees that I overspend and he thinks that I'm asking for my money for myself. And I'm not. I'm asking for my money for his children.

• 11:12Caleb Hammer?

  Okay. Went out to eat a thousand dollars in this last month. Probably not gonna help your case, I'll be honest.

• 11:19Speaker 03

  I have three preteens.

• 11:21Caleb Hammer?

  Which requires going out to heat and not cooking for them?

• 11:24Speaker 03

  I also cook. They give me out of house and home.

• 11:28Caleb Hammer?

  Okay, I saw $370 in groceries.

• 11:31Speaker 03

  Total? That's like every week.

• 11:34Caleb Hammer?

  Not what I got. We'll see with the unknown shopping. We'll see. Some of those are a little hard to qualify.

• 11:40Speaker 03

  Right.

• 11:41Caleb Hammer?

  There were large purchases, $4,313. Ah, we know what comes in. That's basically almost all your money.

• 11:47Speaker 03

  Yeah.

• 11:47Caleb Hammer?

  Mm-hmm. And we'll determine what that is. Why would the fuck regardless, would you get into a house you can't afford? That's you. That's your choice. And then you come a begging to renegotiate something you've already agreed to.

• 11:59Speaker 03

  Have you? Okay, a begging. You are such a man, but.

• 12:04Caleb Hammer?

  You're talking to, you agreed. Listen.

• 12:06Speaker 03

  Four years ago, when the entire world financial situation was different.

• 12:11Caleb Hammer?

  Oh, shut the fuck up. There's one year of inflation. Calm down.

• 12:13Speaker 03

  There's not one year. It's been, it's okay. You said steady three years since the 8% increase. That's still an increase.

• 12:21Caleb Hammer?

  There's inflation since the history of ever.

• 12:24Speaker 03

  Yes. So you think.

• 12:25Caleb Hammer?

  Since we got off the gold standard.

• 12:26Speaker 03

  You think that if I negotiate a price in 2020, that it should be exactly the same?

• 12:32Caleb Hammer?

  Increase in that.

• 12:33Speaker 03

  And we didn't. So now I'm filing. Now I'm filing.

• 12:37Caleb Hammer?

  No, listen, I'm okay with him giving more. I think he should step up and volunteer it. Personally, I think he should do that if it's his kids and he's not splitting custody or anything like that. Yeah, absolutely. He should step up. You negotiated this.

• 12:51Speaker 03

  Yeah.

• 12:51Caleb Hammer?

  This was you.

• 12:52Speaker 03

  And now I'm asking him to step up.

• 12:53Caleb Hammer?

  Yeah, that's you coming back to the table after the table's been set.

• 12:57Speaker 03

  He gets an erase, he gets a raise for inflation. Why don't I, this is my job.

• 13:02Caleb Hammer?

  Because you agreed to this.

• 13:02Speaker 03

  This is my job. He agreed to a salary.

• 13:04Caleb Hammer?

  He agreed to a salary and he is able to say, but I'll walk. What can you do?

• 13:10Speaker 03

  I can walk.

• 13:11Caleb Hammer?

  You can walk and he can just give you zero? Yeah, I'm sure he would love that.

• 13:13Speaker 03

  Yeah, and he could take the kids and see what it actually costs because I can tell you it's way more than $2100 a month.

• 13:19Caleb Hammer?

  Would he agree to that? Cause your boss doesn't.

• 13:21Speaker 03

  He loves the kids.

• 13:22Caleb Hammer?

  Well, your boss doesn't have to agree to you walking, so I don't know what the you're talking about. It's a horrible analogy.

• 13:27Speaker 03

  And it would hurt my heart. It would hurt my heart and he couldn't anyways with his job because he travels, but point is.

• 13:32Caleb Hammer?

  What the are you talking about dude? You're broken.

• 13:36Speaker 03

  This is, this is so typical that you don't, you don't think being a mother is a job like.

• 13:41Caleb Hammer?

  Who is saying this?

• 13:42Speaker 03

  I put my career on hold. I was a stay at home mom for years and years and years.

• 13:45Caleb Hammer?

  I've never suggested this.

• 13:47Speaker 03

  While he upped his career.

• 13:48Caleb Hammer?

  Are you incapable of listening? Is that what happens once you birth a child?

• 13:51Speaker 03

  I probably actually.

• 13:53Caleb Hammer?

  Because here's the thing.

• 13:54Speaker 03

  Turn your ears off.

• 13:54Caleb Hammer?

  I specifically said, I think he should step up and give more because of inflation.

• 14:00Speaker 03

  But if you won't.

• 14:01Caleb Hammer?

  Do you understand what I am saying? I am saying this is what you literally in the court of law agreed to.

• 14:07Speaker 03

  Yeah.

• 14:08Caleb Hammer?

  Who the are you to then go back and be like, wah wah, I agreed to something. Oh no.

• 14:14Speaker 03

  The state of Florida allows.

• 14:16Caleb Hammer?

  Allows.

• 14:17Speaker 03

  A modification every three years.

• 14:20Caleb Hammer?

  Modification, does that mean it is necessarily going to happen?

• 14:24Speaker 03

  No.

• 14:25Caleb Hammer?

  Exactly. So yeah, go ahead and put in the petition.

• 14:27Speaker 03

  I did.

• 14:27Caleb Hammer?

  Good. I'm not, I'm not disagreeing with putting in the petition, but you to sit there and complain that it has not followed inflation when you did not. Even though inflation is always the and happened, you did not put in there. It doesn't matter that there is one year of higher inflation. There's one year of higher inflation consistently every couple of decades. That is what happens. It is not necessarily a natural cycle, but the monetary policy is wild.

• 14:50Speaker 03

  I didn't have to put it in.

• 14:53Caleb Hammer?

  Or are you saying you didn't have to think?

• 14:54Speaker 03

  Every three years, I'm allowed to go back to court.

• 14:58Caleb Hammer?

  You hit your three years.

• 14:59Speaker 03

  And now I'm going back to court.

• 15:00Caleb Hammer?

  But you're complaining about it.

• 15:01Speaker 03

  He controlled all the finances in the first place. So now that's why I can't live on the amount he gives me.

• 15:08Caleb Hammer?

  Girl, learning a budget takes like five minutes. That's just you being an irresponsible mother. No sympathy on my end.

• 15:13Speaker 03

  Tried before, but it's always negative.

• 15:16Caleb Hammer?

  Well, that's because you don't make enough in your job and you decided to live on the beach. By the way, have we forgotten this whole thing of her complaining about the guy not giving her enough? Which, yeah, step up dude. They're your kids. You don't have custody. But either way, okay. She chose to live on the beach. You got a massive inheritance. You got half his retirement. You got to sell a home. You chose to live on the beach. You're choosing to spend a thousand dollars going out to eat a month. At what point does the sympathy go to zero? Cause it's pretty damn close. Listen, if you were struggling, the living in a sad, small apartment where they don't have room to live? And you weren't spending money going and having fun. You didn't get a big inheritance. Yeah. I'd be like, let's make this dude that's making a lot of money. I'm assuming, I don't know.

• 16:00Caleb Hammer?

  Let's make him pay a lot more. Sure, but you have made life choices. Who the f**k are you to then come back, wow, look at these choices I've made? Oh, f**k, oh no. Oh no.

• 16:12Speaker 03

  Are you saying you've never renegotiated a contract, ever?

• 16:15Caleb Hammer?

  Uh, renegotiating the contract?

• 16:17Speaker 03

  That's what this is. I'm renegotiating the contract.

• 16:19Caleb Hammer?

  Cause I actually don't think I have. Renegotiate? I am very, very, very, very specific and intentional about what legal contracts I get into. Again, I'm not, I'm not upset at the idea of going back for the three-year thing. That's in there for that reason. It is your whole, wah, I've made these life choices. I can't afford them, so someone else needs to save me. It's not about that.

• 16:45Speaker 03

  And that is what he thinks. And that is not the truth.

• 16:47Caleb Hammer?

  But that is what your behavior did. You chose to live on the beach. You chose to spend a thousand dollars.

• 16:51Speaker 03

  You keep saying, "Living on the beach," but all I did was transfer my house to the beach. I didn't actually spend more money on the house.

• 16:56Caleb Hammer?

  The house was the exact same cost.

• 16:58Speaker 03

  Yes.

• 16:58Caleb Hammer?

  You got a $450,000 house on the beach of Florida.

• 17:00Speaker 03

  I sold 403 and I purchased for 420. Absolutely.

• 17:05Caleb Hammer?

  Okay, then what's your issue?

• 17:06Speaker 03

  So, then, insurance. I don't know if you know about the insurance market. So my insurance was estimated at $2,307,000.

• 17:13Caleb Hammer?

  Welcome to choosing to live on the beach in Florida.

• 17:15Speaker 03

  And my taxes, my property taxes went up.

• 17:18Caleb Hammer?

  Welcome to owning a literal home. You chose to own a home instead of investing that money in rent instead.

• 17:24Speaker 03

  It would have happened whether they were on the beach or not.

• 17:26Caleb Hammer?

  Yeah, but you could have invested the money in the market.

• 17:28Speaker 03

  I did.

• 17:29Caleb Hammer?

  No, you bought a house. What the f**k are you talking about?

• 17:32Speaker 03

  And I did a lot of renovations.

• 17:34Speaker 03

  Listen.

• 17:36Speaker 03

  When I was married-

• 17:37Caleb Hammer?

  Sympathy meter.

• 17:38Speaker 03

  Okay, okay, okay, okay. Let me tell you how I got there, though. When I was married-

• 17:42Caleb Hammer?

  Oh, you got there?

• 17:43Speaker 03

  Yes.

• 17:43Caleb Hammer?

  You drove.

• 17:44Speaker 03

  That too. Okay, fair enough. I was driving an hour every day for work. I was putting 100 miles a day on my car. My kids were going to daycare at 6 o'clock in the morning, and I wasn't coming home until 6 o'clock at night.

• 17:56Caleb Hammer?

  Welcome to choosing to birth children.

• 17:58Speaker 03

  So I moved closer to my job.

• 17:59Caleb Hammer?

  You chose to bring children to the world. You get a massive child tax-

• 18:02Speaker 03

  And I'm doing the best I can.

• 18:03Caleb Hammer?

  You get three child tax credits on yearly basis.

• 18:05Speaker 03

  I actually don't, because we negotiated. He gets half of it.

• 18:08Caleb Hammer?

  Oh, fair enough. You got half his retirement. You negotiated it, you agreed to it. Why am I having sympathy for something you agreed to?

• 18:13Speaker 03

  Because I stayed home to raise his children.

• 18:15Caleb Hammer?

  You agreed to it!

• 18:15Speaker 03

  So I deserved it. I know, I'm not-

• 18:17Caleb Hammer?

  You agreed to it!

• 18:18Speaker 03

  Well, I'm not renegotiating the divorce.

• 18:19Caleb Hammer?

  I would also suggest that, hey, guess what? She takes care of the kids. She should get all the child tax credits. I agree. She agreed to that not being the case. Your fucking fault!

• 18:31Speaker 03

  I know, I've thought about that.

• 18:32Caleb Hammer?

  So what? Like, what am I supposed to do? Cry with you?

• 18:35Speaker 03

  So listen, hear me out. This is how I got to where I was.

• 18:38Caleb Hammer?

  So guys, it's just, oh, what a typical man, saying that you should stick to a contract you agreed to.

• 18:44Speaker 03

  When I was married- He took care of everything. So I never even knew how much money was in retirement, how much money I could get, how much money the kids cost. I never knew how much-

• 18:54Caleb Hammer?

  Why'd you guys get divorced?

• 18:55Speaker 03

  Anything costs. We don't get along.

• 18:57Caleb Hammer?

  Okay. Who brought it up?

• 18:59Speaker 03

  Huh?

• 19:00Caleb Hammer?

  Who brought up getting a divorce?

• 19:01Speaker 03

  Me? Again, the parents dying screwed me over. I was like, I can't live my whole life being unhappy if I'm only gonna get to 52.

• 19:11Caleb Hammer?

  Sympathy meter going down.

• 19:15Speaker 03

  I didn't want to live unhappy.

• 19:19Speaker 03

  And I knew that I would be okay.

• 19:23Speaker 03

  And the kids would be okay if I left.

• 19:26Caleb Hammer?

  Fast forward.

• 19:30Speaker 03

  Alright, so it didn't work out.

• 19:32Caleb Hammer?

  Okay. Fuck's sake.

• 19:34Speaker 03

  Uh, but I think it can. I think if you-

• 19:37Caleb Hammer?

  I think it can if I go back and go get more money.

• 19:40Speaker 03

  Okay, ignore that part.

• 19:41Caleb Hammer?

  It's not even that, but again, I, again, think he should. And that three-year thing is there for you to take advantage of. That, that's fine. That's fine. You have made life choices. You live on the beach. You chose there where insurance is higher, property taxes always go up. You chose to own property. That fucking happens. You chose to spend the money you do on a monthly basis. We know what comes in. What did you spend last month?

• 20:03Speaker 03

  Uh, no, I have no idea. Five thousand?

• 20:07Caleb Hammer?

  What's the struggle? Why would you not know?

• 20:09Speaker 03

  Six thousand?

• 20:10Caleb Hammer?

  Why would you not know?

• 20:11Speaker 03

  Usually I would, but I carried a couple balances on my credit cards for the first time in a long time, so-

• 20:15Caleb Hammer?

  Why?

• 20:17Speaker 03

  Because I didn't have the money to pay them off this time.

• 20:19Caleb Hammer?

  Except you spent a thousand dollars going out to eat.

• 20:23Speaker 03

  Because my kids needed to eat.

• 20:25Caleb Hammer?

  Oh, we've lost access to stoves and ovens and sinks and refrigerators and knives and forks.

• 20:36Speaker 03

  Well, now I need a food budget because I'm gonna end up with that amount of child support forever anyways.

• 20:41Caleb Hammer?

  Why? You're losing?

• 20:42Speaker 03

  Nope. I dropped the modification.

• 20:46Caleb Hammer?

  What the? Why?

• 20:48Speaker 03

  So we can, we-

• 20:49Caleb Hammer?

  Why? It's there for you to take advantage of. I'm not even saying don't do it. It's why, it's your complaint. I would have done to do it.

• 20:56Speaker 03

  We agreed to drop it because he gave me all his financial information and then asked for mine, and I don't want to give him my financial information.

• 21:01Caleb Hammer?

  What?

• 21:03Speaker 03

  Because I'd rather go broke than have a man tell me how I can spend my money.

• 21:07Caleb Hammer?

  Who asked for it?

• 21:08Speaker 03

  My husband, my ex-husband.

• 21:10Caleb Hammer?

  Did you have to provide it to request modification?

• 21:12Speaker 03

  Yes.

• 21:13Caleb Hammer?

  Oh.

• 21:15Caleb Hammer?

  Oh, feeling a quiver. Feeling a fucking quiver.

• 21:17Speaker 03

  Well, I don't want to get into him. No, he's gonna say exactly what you say. If he goes through my finances, he's gonna say exactly what you say. He's gonna say, fuck you.

• 21:24Caleb Hammer?

  Blow all your money.

• 21:25Speaker 03

  I'm not giving you more money to go blow it.

• 21:28Caleb Hammer?

  I agree, because you bring in five thousand one hundred fifty dollars a month and ten thousand dollars went out. Go fuck yourself.

• 21:32Speaker 03

  Ten thousand dollars?

• 21:33Caleb Hammer?

  Ten thousand dollars.

• 21:37Caleb Hammer?

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• 22:22Caleb Hammer?

  and giving you the tools to figure it out, just like you would on the job. So try it out for free. And when you're ready to get serious, use code CALEBHAMMER for 25% off your first year. Turn your passion for gaming into a new career and level up.

• 22:35Speaker 03

  I know everyone says that. On what? I mean, I honestly, I don't even know what I spent on this month.

• 22:39Caleb Hammer?

  Oopsie! Almost like I don't track my money, because why would I take any responsibility and instead just go ask for more money from other people?

• 22:44Speaker 03

  I've never had to. I've never had to.

• 22:47Caleb Hammer?

  Oh, except when did you guys get divorced?

• 22:49Speaker 03

  Five years ago.

• 22:50Caleb Hammer?

  Oh, so you've had you for the last five years? Shut the f- up!

• 22:54Speaker 03

  You sound exactly like him.

• 22:56Caleb Hammer?

  Well, maybe he's right. Hold of the, I mean, hold the f- on. Like, what? Don't make this a man versus woman thing. It's not. We can have financial literacy, whether you're trans, whether you're taking dick in the ass, whether you got tits, I don't give a-

• 23:10Speaker 03

  Absolutely, but you don't understand child support.

• 23:12Caleb Hammer?

  This show doesn't discriminate on that. Money doesn't discriminate. You got a budget. Single mom. Single woman. Doesn't matter.

• 23:21Speaker 03

  I want to. I want to.

• 23:22Caleb Hammer?

  Eighteen, thirty, fifty.

• 23:24Speaker 03

  How do you budget when you're always negative, though?

• 23:25Caleb Hammer?

  Uh-

• 23:26Speaker 03

  I have no idea how to budget.

• 23:27Caleb Hammer?

  You start, you look, you add up where money's going, see what you can adjust. Sell the house?

• 23:35Speaker 03

  I'm, it's not a good time.

• 23:40Speaker 03

  I'll lose money if I sell it.

• 23:43Caleb Hammer?

  Welcome to homeownership. You chose to do that. You may have overpurchased. You thought because you had cash.

• 23:48Speaker 03

  So what most people don't understand, and I think this is important that people should know, is that when you first get your mortgage statement, when you're buying a home, they calculate your estimated tax and estimated insurance.

• 23:59Caleb Hammer?

  Yeah.

• 24:00Speaker 03

  Based on the home's price.

• 24:03Caleb Hammer?

  Yeah.

• 24:03Speaker 03

  As assessed that year. So it was assessed at 123 because the previous owner had, um, homestead. Well, when I purchased it, it was automatically, yes, but it was automatically reassessed at the purchase price at 403.

• 24:16Caleb Hammer?

  Yes.

• 24:16Speaker 03

  So suddenly my taxes went from like 2,000. I did.

• 24:20Caleb Hammer?

  Did you have Realtor?

• 24:22Speaker 03

  Well, yeah, it did. They didn't explain that to me.

• 24:25Caleb Hammer?

  Okay, you had a bad Realtor, ladies and gentlemen. Get a good Realtor before you can do anything like this.

• 24:29Speaker 03

  I was a Realtor.

• 24:30Caleb Hammer?

  Okay, listen, how much, um, oh, for, okay. I, I don't, I don't, I don't, I don't even know. This is just insane. And you're trying to make this like a, oh, a man would say that thing. Who gives a fuck? This isn't man versus woman. Who, money is money is money is money. It does not discriminate.

• 24:47Caleb Hammer?

  This doesn't matter. Neither do contracts. Come on. What you agree to is what you agree to. And the three year thing is there is Florida law, so he doesn't really have a choice in that. And you don't really have a choice if you want to apply for that to then share your finances. This is it. This is not man versus woman. This isn't. It's not they versus thems.

• 25:06Speaker 03

  But most men, I'm not giving her child support because she'll spend it on herself. I'm not spending it on myself.

• 25:11Caleb Hammer?

  Well, if you were, that would make me feel a little worse about giving child support as well.

• 25:16Speaker 03

  I'm putting a roof over my kid's head. I'm giving them food.

• 25:18Caleb Hammer?

  Right. But again, that's not even the conversation we have because I don't even know if that's what's happening, but, because I don't know, you're spending that into the, I go in blind with the audience, but you did spend double what you make.

• 25:27Speaker 03

  And I had no idea.

• 25:29Caleb Hammer?

  If you're on a debate, men versus women, apparently. Go to CalebHammer.com/apply. I'd be happy to have you on the show. What do you think your financial score is? Zero to 10? Zero being the worst, 10 being the best.

• 25:38Speaker 03

  Seven.

• 25:38Caleb Hammer?

  Probably because of the retirement and homeownership?

• 25:41Speaker 03

  Yeah. Uh, okay. Maybe six, because I have collections.

• 25:45Caleb Hammer?

  Yeah. Okay. So if you want your Hammer Financial Score, you get it for free. Get your financial score. It's free. It's fun. Go to CalebHammer.com or DollarWise.com. Also, remember, make sure if you don't want to be like a guest on this show, download our budgeting app. Take that free trial, sign up for the annual version if you want to save money and get our budget friendly cookbook signed by me directly, mailed directly to you and sign up for Dollar Wise Central. If you want all of our educational material and our budgeting premium app bundled together for 80% off DollarWise.com, check it out. You get it all for free. That is, at least you get that, okay? So a man's giving you something in this world, okay?

• 26:18Speaker 03

  Thank you. Oh, man, gave me something. He gave me three kids.

• 26:21Caleb Hammer?

  He sure did, that you chose to have.

• 26:23Speaker 03

  That I love very much.

• 26:24Caleb Hammer?

  Great. Yep. And you chose to have them and, you know, consequences and expenses that comes with it.

• 26:31Caleb Hammer?

  Is this? No. Why do I have, when we go, I don't, what the, what is this $15,300 painting from YouTuber? When talking about this card? What does that even mean? I've never even seen a note like that.

• 26:42Speaker 03

  Here to talk about this one. I had a little impulse purchase in January. Uh, a YouTuber that I love, that I've followed for a very long time. Baumgartner's Restoration. He did his art restoration in Chicago. I've been watching him for like 10 years. He restored a painting. He sold it on eBay and all money goes to Doctors Without Borders. So I beg.

• 27:06Caleb Hammer?

  Dude, you're literally begging for charity and you're giving charity for $15,300?

• 27:12Speaker 03

  Yes.

• 27:13Caleb Hammer?

  So.

• 27:16Speaker 03

  And the painting is worth about 600 to 800,000, but um, I can, I can um, claim a deduction on my taxes for the.

• 27:28Caleb Hammer?

  Do not do a standard deduction?

• 27:33Speaker 03

  No. I haven't done a standard deduction in probably nine years.

• 27:36Caleb Hammer?

  Yeah, makes sense with your wealth situation.

• 27:38Speaker 03

  I got a lot of stuff going on.

• 27:41Speaker 03

  Had a lot of stuff going on. I'm per diem. My, this.

• 27:44Caleb Hammer?

  Okay, so that was seven months of his child support on one painting?

• 27:50Caleb Hammer?

  And we are shocked and we blame it on, oh, he has a penis. How dare he? Have an opinion on money?

• 28:01Speaker 03

  It came from a different account, though. Like, it didn't-

• 28:03Caleb Hammer?

  Okay, seven months of his child support went to a painting for charity.

• 28:07Speaker 03

  It wasn't his child support. It was my money. My money went to-

• 28:10Caleb Hammer?

  Yes, it was your money that you spent, but your money is the money that he also gives you. It's all intermingled. Doesn't matter where it necessarily came from. It's one big pile. You spent seven months worth of his child support. And we are, uh, surprised that he's a little-

• 28:25Speaker 03

  He doesn't know about the painting.

• 28:26Caleb Hammer?

  Well, he sure does now.

• 28:28Speaker 03

  I haven't told him I was coming on.

• 28:33Speaker 03

  So-

• 28:33Caleb Hammer?

  Does he know the show?

• 28:35Speaker 03

  Nope.

• 28:36Caleb Hammer?

  Oh, well, you might be okay, then.

• 28:37Speaker 03

  I'm hoping.

• 28:40Caleb Hammer?

  Hmm. Okay, well, this part's fucking insane. Capital One quicks over. Does this thing even matter at this point? This, that is insane! Just this balance alone!

• 28:51Speaker 03

  It got a little ridiculous this year. Which is-

• 28:54Caleb Hammer?

  Title this Nepo-

• 28:57Speaker 03

  Oh!

• 29:00Caleb Hammer?

  I hope Nepo gets eaten by a shark.

• 29:02Speaker 03

  I really was middle-class. My parents just saved really well.

• 29:06Caleb Hammer?

  I hope a hurricane kills this Nepo- Is that the title? It's probably not the title.

• 29:10Speaker 03

  I think there's a tropical storm coming.

• 29:13Speaker 03

  This weekend, when I'll be on vacation. So I'll be on the other coast.

• 29:19Caleb Hammer?

  We were so close. Seventeen thousand, nine hundred, thirty-six dollars and sixty-seven cents is a, um, how I say, uh, An insane balance? What the-

• 29:31Speaker 03

  I have no idea. I honestly don't know what I spent my money on this one, because-

• 29:34Caleb Hammer?

  What is wrong with you? Why?

• 29:36Speaker 03

  Well, because I've been carrying that balance, that fifteen thousand dollar balance from the painting, so I just kept thinking what I saw.

• 29:40Caleb Hammer?

  What, from Jenny Wiley? From fucking six months ago.

• 29:44Speaker 03

  I meant to pay it off.

• 29:45Caleb Hammer?

  What the fuck are you doing?

• 29:47Speaker 03

  I know.

• 29:47Caleb Hammer?

  You're out there, you got a nest egg, you're pulling from retirement for what? For what? What are you talking about getting? It's only going up. It's only going up. So you're spending on it because minimum monthly payments without any purchases, it would go down. It would go down. It would go down.

• 30:06Speaker 03

  And the reason I bought it on the Capital One was to save 1.5%. And now I've been paying interest on it.

• 30:13Caleb Hammer?

  Fucking the cash back?

• 30:14Speaker 03

  Yeah, and I've been paying interest on it and that was my bet.

• 30:17Caleb Hammer?

  $341 in interest on a monthly basis. What the fuck are you talking about?

• 30:23Speaker 03

  I forgot to pay it off. I was like trying, but then it like hurts my heart to take from my retirement. So I've been trying to kind of put it off and put it off and then I've been watching your shows and I was like.

• 30:33Caleb Hammer?

  Oh, fucking what did you take away from that?

• 30:36Speaker 03

  That I need to pay off my credit cards so I don't pay interest.

• 30:39Caleb Hammer?

  Huh, interesting. Our solution to do that is spend $5,037 this last month. Not really what I have. Yes, lady, not really what I advised in a previous episode as far as I know.

• 30:54Speaker 03

  I honestly, I honestly don't know. I really thought that was just the painting and then just like groceries. I have no idea.

• 31:00Caleb Hammer?

  Lady, what the fuck is wrong with you? How do you not know? You swiped it. You swiped it. I understand maybe don't know the dollar amount, maybe know the exact purchase, but how the? Do you not even know that this happened with this card? That the swiping wasn't even happening?

• 31:14Speaker 03

  Cause I thought I stopped using that one because the balance was so high. So I switched to my Air Max. Which I got up.

• 31:22Caleb Hammer?

  Nope. I mean, nope.

• 31:25Speaker 03

  I just don't know.

• 31:26Caleb Hammer?

  Certainly didn't stop spending on this. Lady, listen, how long does this take to pay off?

• 31:30Speaker 04

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• 31:52Caleb Hammer?

  Well then take the train, you f-.

• 31:54Speaker 04

  And brand new shows, Fat and Fatter.

• 31:57Caleb Hammer?

  That is, that one is. I would go off brand.

• 32:02Speaker 04

  Behind the Audit.

• 32:04Speaker 03

  What?

• 32:04Speaker 05

  This was wild.

• 32:06Speaker 04

  Shop Smart.

• 32:10Speaker 04

  And now, upgrading from one livestream a week to two. No other channel offers what Hammer Elite provides. Join with the link in the pinned comment or description below. Submit proof of purchase at hammerelite.com and we'll reimburse you for the first month with a $10 digital gift card that can be spent anywhere in most countries. Sorry, North Korea, this one isn't for you.

• 32:34Caleb Hammer?

  Yeah, this is how we have to do a free trial on here because the platform doesn't currently offer free trials.

• 32:38Speaker 04

  It's okay, it's worth it.

• 32:40Caleb Hammer?

  Yeah, it is.

• 32:41Speaker 04

  This is the final week to join Hammer Elite, the best membership on YouTube for free.

• 32:49Caleb Hammer?

  How long does this take to pay off?

• 32:51Speaker 03

  Seven years.

• 32:51Caleb Hammer?

  Minimum two payments without making any purchases, seven years?

• 32:55Speaker 03

  14.

• 32:56Caleb Hammer?

  Okay, 31. Listen, I don't know the Florida's laws necessarily, but the fact is, if you want to pass any of the assets on to your kids, they oftentimes have to settle your [bleep] dads, some of your [bleep] dads at least.

• 33:06Speaker 03

  Yeah, but there's hacks to that.

• 33:08Caleb Hammer?

  Hmm?

• 33:08Speaker 03

  There's hacks to that.

• 33:10Caleb Hammer?

  There are hacks, there's hacks to everything with moving wealth. But the fact is, it's not a perfect, not a perfect thing, death ain't a perfect thing.

• 33:17Speaker 03

  No.

• 33:19Speaker 03

  And they don't technically have to pay it off because, well, unless they come for it.

• 33:22Caleb Hammer?

  Well, there is the reality, in order for you to make your minimum two payments in order to continue having these you are pulling from retirement, that is certainly not going to them.

• 33:28Speaker 03

  Yeah, absolutely. Well, my retirement won't go to them anyways. Like, well, unless I die at 52. But I plan on, I don't believe in generational wealth, so.

• 33:38Caleb Hammer?

  This was given to you.

• 33:40Speaker 03

  On accident. My parents planned to use it all and never got there. That's the problem, is I live in this world where I watch them just say like, "I'll wait, I'll wait, I won't go on vacation, I won't do this when I retire, when I retire, when I retire," and then they didn't retire.

• 33:54Caleb Hammer?

  Yeah, but your family is split between 90 and 50, so, listen.

• 33:58Speaker 03

  I know, I know, I know.

• 34:00Caleb Hammer?

  Okay, what are you gonna do when the next thing's gone then? If you plan to spend it before 52?

• 34:04Speaker 03

  That is what I'm terrified of.

• 34:05Caleb Hammer?

  Uh, okay, don't spend it before 52. Problem solved, go back to Florida. And what do you mean? Why aren't you adjusting? This is, that's a very basic premise.

• 34:15Speaker 03

  Yeah, especially with all the tariffs and everything going on. I have no idea what's gonna happen with stocks.

• 34:19Caleb Hammer?

  Is tariffs impacting your whole stocks?

• 34:21Speaker 03

  Everything is in stocks. My, my emergency fund is my brokerage.

• 34:25Caleb Hammer?

  It's not an emergency fund. You don't know what the emergency fund is?

• 34:29Speaker 03

  It's the money that in case of an emergency, I would pull it out.

• 34:32Caleb Hammer?

  But it's invested in stocks, volatile stocks?

• 34:34Speaker 03

  Yeah, well, they're not volatile. I mostly do ETFs, but.

• 34:38Caleb Hammer?

  Yes, it is. What ETF?

• 34:41Speaker 03

  It's like SPY and VOO and.

• 34:44Caleb Hammer?

  Is SPY alone when the tariffs initially were announced and went in, went down like what? Which. A massive percentage.

• 34:50Speaker 03

  Is why I finally sat down and was like, I have to fix this because I am terrified.

• 34:55Caleb Hammer?

  First step, emergency fund is in the stock market. Emergency fund isn't a high-yield savings, you tit.

• 35:01Speaker 03

  But I don't need a savings account. It's losing, it'll lose money. It'll lose, I even use.

• 35:05Caleb Hammer?

  Not necessarily. High-yield savings accounts are above inflation right now.

• 35:10Speaker 03

  I had, I had, I have some money in sort of one, it's not my money, it's complicated, but.

• 35:15Caleb Hammer?

  What is it?

• 35:16Speaker 03

  So it's, it's the cash of my self-directed IRA is currently in a high-yield savings account, earning 5%.

• 35:24Caleb Hammer?

  How much?

• 35:25Speaker 03

  Uh, 150,000? I think it's at 166 now.

• 35:29Caleb Hammer?

  The fuck is your problem? Why, why lose all this money? Why lose all this money on interest? I have no fucking clue why I lose all this money on interest.

• 35:37Speaker 03

  Can I touch that one? I don't know if I can touch that one. No, I can't touch that one. That's in the self-directed IRA and then the IRS will come after me if I touch that.

• 35:43Caleb Hammer?

  Well, yes.

• 35:44Speaker 03

  So I can't touch that.

• 35:45Caleb Hammer?

  Well, I'm not even saying that, but I'm assuming there's so much more. Why are we accruing interest on our credit card in general?

• 35:50Speaker 03

  I forgot.

• 35:50Caleb Hammer?

  Well, it's not that you can't touch it, but yes, you will face penalties. Yes.

• 35:54Speaker 03

  I actually won't face penalties. I'll just have to pay income tax.

• 35:57Caleb Hammer?

  Yeah.

• 35:58Speaker 03

  That's not a penalty. I mean, I don't get after, actually have to pay the penalties because my parents are technically.

• 36:03Caleb Hammer?

  The early withdrawal penalty. Okay. Well, the penalty being tax.

• 36:06Speaker 03

  Yes, yes.

• 36:07Caleb Hammer?

  But you still pay off interest. Your, your income tax rate is less than 30%, which is what I assume this interest rate is.

• 36:12Speaker 03

  I told you I meant to pay it off. I forgot.

• 36:14Caleb Hammer?

  What?

• 36:15Speaker 03

  I told you I meant to pay it off. I forgot.

• 36:23Caleb Hammer?

  Um, I think your husband got very lucky.

• 36:27Speaker 03

  Ex-husband. And yes, his net worth has doubled, I found out from the modification.

• 36:32Caleb Hammer?

  Yes, the classic net wealth. So, you know, no, I think it's because you're kind of a lying dick. Meant to pay this off, shut the [__] up. You've paid this much interest every month this year so far. Meant to pay off, you've never almost paid it off once this year so far. That is a lie. It has accumulated $1,500 in interest this year so far. That is a [__] lie. I don't want to hear it. What a joke. What a joke.

• 36:57Speaker 03

  The points were like-

• 36:58Caleb Hammer?

  I don't want to [__] hear that ever again in my life.

• 36:59Speaker 03

  The points were like 600. I've made $600 on that card, so I paid 100, I paid 1,000 in-

• 37:03Caleb Hammer?

  500?

• 37:05Speaker 03

  1,500, why?

• 37:06Caleb Hammer?

  Interest this year so far.

• 37:09Speaker 03

  Okay, and I've made 600, so if I had paid it off like I was supposed to, then I would have been ahead. I just forgot.

• 37:15Caleb Hammer?

  But you did, you forgot for seven months.

• 37:18Speaker 03

  I just forgot.

• 37:19Caleb Hammer?

  For seven months?

• 37:23Caleb Hammer?

  What are we doing?

• 37:24Speaker 03

  I switched-

• 37:24Caleb Hammer?

  Go go one.

• 37:25Speaker 03

  I switched the American Express, so that I wouldn't keep putting money on it. I thought I did. I don't know, I'll have to look at the statement. I'll look at the statement. Because I honestly, I don't know what to put on it.

• 37:33Caleb Hammer?

  Why don't you care about what happens to your kid's financial situation after you're gone?

• 37:37Speaker 03

  They're fine. They have, um, they have an education fund and that's, that's all they need.

• 37:43Caleb Hammer?

  And how much is in it?

• 37:45Speaker 03

  Each?

• 37:46Caleb Hammer?

  Yeah.

• 37:47Speaker 03

  Uh, each one has 35,000.

• 37:49Caleb Hammer?

  Okay, I mean, they're certainly definitely community college and I mean, most people borrow $40,000 in student loans. That's the median.

• 37:55Speaker 03

  Their dad takes care of it, so it'll be good and safe.

• 37:59Caleb Hammer?

  Okay, so, but you could set them up to open their businesses, fast-track things. Maybe they get a quick step towards retirement.

• 38:09Speaker 03

  Absolutely. I mean, if I make it past 50.

• 38:12Caleb Hammer?

  Yeah, but your money won't, according to you.

• 38:15Speaker 03

  I'm, I'm, that's why I'm here.

• 38:20Speaker 03

  That's why I'm here is because I want to make sure it lasts and I want to be able to help my kids because my parents even before they passed before I received all this they helped me and I want to be able to help my kids when they need it.

• 38:32Caleb Hammer?

  Okay, you think you're gonna die in 12 years?

• 38:35Speaker 03

  Yeah.

• 38:35Caleb Hammer?

  Uh, we did the math on your retirement, which is almost a million dollars. So what you got? Yeah, it's your current spending that's gone in 10, it's gone in nine, it's gone in nine years. So that's before you even die at your likely unlikely death. So.

• 38:57Speaker 03

  I used to have a higher income and I'm hoping for a higher income.

• 39:00Caleb Hammer?

  Hope or work for? What do you mean hoping for? What is hoping for a higher income? I'm confused. Your spending is draining your entire nearly million dollars across the board in nine years.

• 39:11Speaker 03

  I've been unemployed for a year and a half because I've been in nursing school.

• 39:14Caleb Hammer?

  No, you're still making money. Three, three thousand.

• 39:16Speaker 03

  So I got a job over the summer.

• 39:18Caleb Hammer?

  So it's only for the summer? After the summer's done?

• 39:20Speaker 03

  Yeah, cuz I have to go back to my last. So I was previously an andrologist.

• 39:25Caleb Hammer?

  Okay.

• 39:25Speaker 03

  And.

• 39:26Caleb Hammer?

  Do that again.

• 39:27Speaker 03

  Huh?

• 39:27Caleb Hammer?

  Do it again, maybe? I don't know.

• 39:29Speaker 03

  So I can't in nursing school, wages are stagnant. I'm making the same exact amount that I made 12 years ago. So.

• 39:36Caleb Hammer?

  Bro, you think you're gonna die in 12 years? What is this like return? What is this return you're hoping to achieve? So what are you trying to do?

• 39:41Speaker 03

  The most I ever made.

• 39:42Caleb Hammer?

  Oh, you seem like a nurse too. Oh, my mother's a nurse, but she's nice.

• 39:47Speaker 03

  I am very caring, very nurturing. Actually, I lied. I want to work in the OR cuz I don't like people. So at least they'll be knocked out.

• 40:01Speaker 00

  This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a 50-page restoration block, or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses setup required. Compatibility and availability varies 18 plus.

• 40:29Speaker 03

  But I still care for them.

• 40:30Caleb Hammer?

  So it's gone in nine years.

• 40:31Speaker 03

  I still care for them.

• 40:32Caleb Hammer?

  It's gone in nine years. What are you doing in nine years? Cause good the

• 40:35Speaker 03

  I'm increasing my income.

• 40:37Caleb Hammer?

  Maybe.

• 40:39Speaker 03

  Definitely.

• 40:40Caleb Hammer?

  I hope so.

• 40:41Speaker 03

  Definitely.

• 40:42Caleb Hammer?

  Okay, how much nursing school is left?

• 40:44Speaker 03

  Uh, one semester, one class. So I'm done in December, but all of the nursing.

• 40:49Caleb Hammer?

  You're gonna double your income? Cause remember you're doubling your spending from your income.

• 40:56Speaker 03

  Not quite, but um, yeah, I'd be going from 63 was the most I ever made and I would be if I work nights, which I already work nights. Um, if I work nights, I can make up to like a hundred and four, starting.

• 41:10Caleb Hammer?

  And what about the kids?

• 41:12Speaker 03

  Childcare, but he pays 70% of that. So it kind of cuts my childcare costs.

• 41:18Caleb Hammer?

  Okay, so you'll just never see them?

• 41:23Speaker 03

  No, I see them.

• 41:24Caleb Hammer?

  If you're working nights every day?

• 41:26Speaker 03

  Yeah, but I don't go in until like seven.

• 41:28Caleb Hammer?

  Okay, so you'll see them for two hours?

• 41:30Speaker 03

  Well, they get home at like four or five.

• 41:32Caleb Hammer?

  Commutes.

• 41:33Speaker 03

  I just, the other job, it was like, I was just doing semen all day and I was like over it. So.

• 41:40Caleb Hammer?

  What, nut?

• 41:41Speaker 03

  Yeah.

• 41:42Caleb Hammer?

  What's wrong with nut?

• 41:43Speaker 03

  Well, nothing except it stinks, but.

• 41:46Caleb Hammer?

  It's a bit stinky. It smells like pancake batter. It's true.

• 41:48Speaker 03

  Pancake batter?

• 41:49Caleb Hammer?

  Yes.

• 41:50Speaker 03

  That's nice. Rotten pennies. You know that smell on green pennies? When you have green pennies in your hands?

• 41:55Caleb Hammer?

  This does not smell like metal.

• 41:56Speaker 03

  So swear to God, put it in a cup, close the lid, open it up in an hour.

• 41:59Caleb Hammer?

  No, thank you.

• 42:00Speaker 03

  Well,

• 42:03Speaker 03

  that's what it smells like.

• 42:04Caleb Hammer?

  Okay.

• 42:05Speaker 03

  It's metallic. Yeah. So I got tired of it. So

• 42:11Speaker 03

  I'll be in nursing school. It helps my income.

• 42:13Caleb Hammer?

  Even at your night school, net pay still doesn't get you to your spending allocation for how much you're spending.

• 42:18Speaker 03

  Hundred and seven won't do.

• 42:20Caleb Hammer?

  No, not after taxes.

• 42:22Speaker 03

  With the, the 2150.

• 42:24Caleb Hammer?

  You're spending $1,500 in a month.

• 42:26Speaker 03

  But with the 2150, that brings me up to like 120.

• 42:30Caleb Hammer?

  Say after taxes, I'm gonna get your tax credits of course, but.

• 42:34Speaker 03

  I get one.

• 42:35Caleb Hammer?

  Oh, that's right. That's right. Well, okay. Well, that's the account. It's not gonna do much. Uh, for net, of course it is helpful, but for net. Okay. So after taxes, I'm gonna say you're gonna.

• 42:46Speaker 03

  And that's if I get a night job.

• 42:48Caleb Hammer?

  Yeah, that's if you do night. No, you're still dramatically under by a couple thousand bucks for your current spending. So this doesn't fix all your issues. This doesn't fix all your issues. Just not fun. I mean, listen, you're going in here getting Google One, Canva. What the would you even need Canva? Joanne Stores, Domino's?

• 43:04Speaker 03

  Oh, school and it's right off.

• 43:05Caleb Hammer?

  Domino's?

• 43:06Speaker 03

  No, Canva.

• 43:08Caleb Hammer?

  Scrambled egg cafe, got premium Texas Roadhouse eBay.

• 43:13Speaker 03

  They really like Texas Roadhouse.

• 43:15Caleb Hammer?

  Camp. I don't give a. I like paying bills.

• 43:18Speaker 03

  Is that my watch?

• 43:19Caleb Hammer?

  I don't know. How the would I know? I don't give a.

• 43:23Speaker 03

  They amount. I don't know.

• 43:25Caleb Hammer?

  Paying for ring a lot. Double ring, double ring payments.

• 43:29Speaker 03

  No, uh, that's just that month. So it's a year.

• 43:31Caleb Hammer?

  Two, twice?

• 43:32Speaker 03

  It's the year.

• 43:32Caleb Hammer?

  Twice though. Camp Linguar?

• 43:36Speaker 03

  That's my kids camp. So that's a sweepaway, sleepaway camp.

• 43:38Caleb Hammer?

  Well, great. That doesn't.

• 43:40Speaker 03

  Their dad pays 70%. Their dad pays.

• 43:42Caleb Hammer?

  So he paid you. He gave you money.

• 43:44Speaker 03

  Yeah.

• 43:45Caleb Hammer?

  He gave you 70%.

• 43:46Speaker 03

  Yeah.

• 43:47Caleb Hammer?

  Okay.

• 43:49Speaker 03

  So.

• 43:49Caleb Hammer?

  Then why the did you not put that towards your card? Cause you certainly didn't. Now you're paying interest on it.

• 43:53Speaker 03

  Well, and I don't.

• 43:54Caleb Hammer?

  28.24%.

• 43:55Speaker 03

  I don't want my irresponsibility to affect them. So I will continue to take on debt in order to.

• 44:01Caleb Hammer?

  What the you're talking about?

• 44:02Speaker 03

  Let them.

• 44:03Caleb Hammer?

  That doesn't make any sense. If he gave you 70%, why wouldn't you at least put that 70% towards this?

• 44:08Speaker 03

  I haven't gotten it yet. He takes the sweet time.

• 44:11Caleb Hammer?

  This is.

• 44:12Speaker 03

  Yeah.

• 44:12Caleb Hammer?

  A month and a half ago.

• 44:13Speaker 03

  Yeah. He takes the sweet time. I'm trying to get childcare costs from May.

• 44:17Caleb Hammer?

  And?

• 44:19Speaker 03

  So it takes time. I'll get to it.

• 44:22Caleb Hammer?

  You'll get.

• 44:24Speaker 03

  He'll get to it. He'll get.

• 44:25Caleb Hammer?

  Will he?

• 44:26Speaker 03

  Yeah, eventually he does. He's like I said, he's really good with money. He pays everything.

• 44:31Caleb Hammer?

  Except for you.

• 44:32Speaker 03

  That's true.

• 44:33Caleb Hammer?

  Why?

• 44:34Speaker 03

  That's true. Well, he does. It just takes time.

• 44:36Caleb Hammer?

  Why not pay on time?

• 44:37Speaker 03

  He wants me and I had, then I have to sit down. I gotta find receipts.

• 44:40Caleb Hammer?

  Well, that's fair enough. You are an irresponsible creature. That is true. That is true. That's fair. That is fair enough. He's valid in that.

• 44:48Speaker 03

  I think it's crap. I don't ask him for money.

• 44:51Caleb Hammer?

  Solopreneurs, listen up. You're wearing all the hats. Sales, customer service, marketing, maybe even shipping, and that is brutal. You want to automate all of your business headaches into one software? That's where High Level can help. High Level allows you to capture leads, build funnels, message potential customers, and close on your leads all from one dashboard. No more logging into multiple tools or missing leads because you forgot a step. You can literally be out grocery shopping while High Level nurtures your prospects. Let's talk money.

• 45:21Speaker 05

  How much money?

• 45:21Caleb Hammer?

  If you're paying $50 for email, $40 for texting, $20 for booking, you already had $110, and that's not counting funnel software. High Level can replace it all, possibly saving you some serious cash. I twisted their arm for an exclusive 30-day free trial, twice the standard. If you crave more time, less overhead, and better follow-up, check out the link below, because letting leads slip through the cracks is basically giving away free cash, and we do not do that around here. What?

• 45:49Speaker 03

  I've never asked him for anything.

• 45:50Caleb Hammer?

  What are you talking about?

• 45:52Speaker 03

  Child support, not asking for money.

• 45:55Caleb Hammer?

  Yep, but paying for the camp and everything and you're asking for more money? Were, but you're not willing to provide your finances.

• 46:01Speaker 03

  Because he'd yell at me.

• 46:02Caleb Hammer?

  He'd yell at you? It doesn't matter. What? Okay, here, let me ask you this. If you filed for that, you know, three-year thing, adjustment, and you provided your statements, doesn't matter what's in your statements for it to be approved?

• 46:16Speaker 03

  No, because I didn't.

• 46:17Caleb Hammer?

  So just fucking do it.

• 46:18Speaker 03

  But then he'll look.

• 46:20Caleb Hammer?

  Who cares?

• 46:20Speaker 03

  He was already pissed off. I think, I think this whole thing stems because...

• 46:24Caleb Hammer?

  Does it matter? He'll get pissed off so much.

• 46:26Speaker 03

  I got myself a Rolex for Christmas, and he was there, and I loved the look on his face. But now...

• 46:33Caleb Hammer?

  What are you, a venge bitch? Like, I'm so confused.

• 46:36Speaker 03

  Yeah, he never bought me a single piece of jewelry except for my engagement ring. And so when I got myself the Rolex, which I had been looking at for 10 years.

• 46:42Caleb Hammer?

  His investment didn't pay off.

• 46:46Speaker 03

  He is doing better without me. I will admit that.

• 46:49Caleb Hammer?

  Okay, well, I was just joking.

• 46:51Speaker 03

  He is.

• 46:52Caleb Hammer?

  But good for him. Good for Guy.

• 46:54Speaker 03

  He still sleeps with me, though. So, still sleeps with me, though.

• 46:58Caleb Hammer?

  You [bleep]. How frequently?

• 47:02Speaker 03

  Hmm, three times a week, two times a week.

• 47:04Caleb Hammer?

  What the [bleep]?

• 47:05Speaker 03

  He lives in [bleep].

• 47:07Caleb Hammer?

  That means nothing to me. I don't know.

• 47:08Speaker 03

  When, okay, so he lives like two and a half hours away. So when I go drop off the kids.

• 47:12Caleb Hammer?

  Three times a week?

• 47:13Speaker 03

  Well, well, and then I drive, I drive a lot for my job.

• 47:16Caleb Hammer?

  So he doesn't have a girlfriend?

• 47:18Speaker 03

  Not that I know of.

• 47:19Caleb Hammer?

  I thought you said he was living better off.

• 47:20Speaker 03

  I think if I stopped sleeping with him, he would get a girlfriend.

• 47:24Caleb Hammer?

  Fair enough. He's probably just kind of enjoying that, like, single for the first time in a long time, but he's still getting, he's still [bleep].

• 47:30Speaker 03

  It's like the only time that we get along. So.

• 47:34Caleb Hammer?

  Oh, yeah, it's sex. That's what sex is. It's like, yeah, you know, sticking in the butt. Let's go. So.

• 47:41Speaker 03

  But the look on his face at Christmas was nice. I have it. You wanna see?

• 47:46Caleb Hammer?

  Oh, kill me now. It's not even cute.

• 47:48Speaker 03

  It's from the 1980s.

• 47:50Caleb Hammer?

  Wonderful.

• 47:51Speaker 03

  Cute. It's got diamonds.

• 47:53Caleb Hammer?

  That means nothing to me, but I also don't care about watches. I have an Apple Watch. Okay, so 1980s, woo. Another inflationary high time. You gonna bring that up?

• 48:03Speaker 03

  My dad bought one for my mom. It got lost after she died, so I wanted the exact same one.

• 48:08Caleb Hammer?

  Yeah, they were married. You're not. I don't care.

• 48:10Speaker 03

  It was a deal. I got it on eBay.

• 48:12Caleb Hammer?

  A deal from who?

• 48:13Speaker 03

  It usually runs like 5,200 and I got it on eBay for 4,000.

• 48:17Caleb Hammer?

  You don't know fucking money.

• 48:18Speaker 03

  I saved a thousand dollars. That's a lot.

• 48:23Caleb Hammer?

  Is this healthy, what you guys are doing?

• 48:25Speaker 03

  Is that like 20%? I saved 20%.

• 48:28Caleb Hammer?

  Is it, is it not preventing you guys moving on?

• 48:30Speaker 03

  It absolutely 100% is.

• 48:32Caleb Hammer?

  Okay, stop.

• 48:34Speaker 03

  Why?

• 48:34Caleb Hammer?

  Go find, go find some [bleep] Cobble Beach [bleep].

• 48:40Speaker 03

  Uh, so I told you I don't like people. I don't, I don't, I don't wanna date. I'm not interested in dating.

• 48:45Caleb Hammer?

  You don't have to date, dude. You're on the easy side?

• 48:49Speaker 03

  That's what he says.

• 48:50Caleb Hammer?

  No, it is true. If you wanna [bleep], you could just go [bleep].

• 48:52Speaker 03

  But I don't wanna.

• 48:53Caleb Hammer?

  Oh, okay. Well, there you go. I was just gonna say, but I'm suggesting you guys just move on.

• 48:59Caleb Hammer?

  Wait, why aren't you moving on?

• 49:02Speaker 03

  I, I don't have an answer for that. I mean, it's just easy, I guess.

• 49:05Caleb Hammer?

  Uh.

• 49:05Speaker 03

  We've been together for like 22 years.

• 49:07Caleb Hammer?

  Why are you go-

• 49:07Speaker 03

  On and off.

• 49:08Caleb Hammer?

  Why are you diddling every time? You personally?

• 49:11Speaker 03

  Me personally?

• 49:12Caleb Hammer?

  Yeah, why are you doing it? Why are you not moving on? This is not healthy.

• 49:15Speaker 03

  I know. I've asked chat. Uh, like what I should do. I love chat, chat, GPT.

• 49:21Caleb Hammer?

  Oh, I thought you meant fucking chat. Okay.

• 49:23Speaker 03

  No, no. Um, I don't know. I, I, I honestly, I can't answer that. I, it's just, it's easy. It gives me the comfort that I need without having to expose my children to anything.

• 49:34Caleb Hammer?

  Five minutes of comfort?

• 49:36Speaker 03

  Uh, yeah.

• 49:39Speaker 00

  This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome? That's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a 50-page restoration block, or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up required compatibility and availability varies 18 plus.

• 50:06Speaker 03

  Does the job.

• 50:07Caleb Hammer?

  Does the job. Okay. I don't know. So-

• 50:12Speaker 03

  It keeps us friendly when we're not, because like I said, we've been on and off. So if we get in a fight after the Rolex, he didn't sleep with me for like weeks. Uh.

• 50:21Caleb Hammer?

  You wanting more money, but you blowing all your money on a $4,000 Rolex for no stupid reason.

• 50:28Speaker 03

  So he slept with me and then at noon I got served with papers.

• 50:33Caleb Hammer?

  I like this guy.

• 50:34Speaker 03

  So, thanks, thanks. I was pretty pissed. I was pretty pissed.

• 50:40Caleb Hammer?

  That was a good day for him. One, two, punch.

• 50:42Speaker 03

  Like if you, if you look at our texts, they said, hey, you down for a booty call? He's like, sure.

• 50:47Caleb Hammer?

  Oh my gosh, you guys are like fucking 14.

• 50:49Speaker 03

  I know. We always have been. It's been fun. Uh, we just don't get along, unfortunately. But then my next text was like, you face, because yeah, I got those papers. So.

• 50:58Caleb Hammer?

  Dude's on a mission. Dude has McDonald's pulling up via DoorDash when you're walking out the door. The watch was a gift for yourself for quitting smoking? Congratulations. You're not trying to die as early. I don't give a-

• 51:10Speaker 03

  And that is something I want to do. So I mentioned to your people, you need to do like a sponsorship with like a smoking cessation program or something because every single person I see on here vapes or smokes or something and it's $300 a month, over $300 a month for me.

• 51:25Speaker 03

  I could, that's my car payment. I could pay my car payment.

• 51:27Caleb Hammer?

  You're doing that.

• 51:28Speaker 03

  I know and I want to quit.

• 51:29Caleb Hammer?

  So quit?

• 51:31Speaker 03

  It's hard.

• 51:32Caleb Hammer?

  It is hard.

• 51:33Speaker 03

  I'm working.

• 51:33Caleb Hammer?

  No one's saying it's easy. I don't see you doing anything.

• 51:35Speaker 03

  No, no.

• 51:36Caleb Hammer?

  Okay, so I want to quit. Yeah, I do nothing. Like, what the? And how would us having a sponsor even help that?

• 51:44Speaker 03

  Well, you, because you give away like classes and stuff like that. It saves money.

• 51:46Caleb Hammer?

  Classes? For quitting smoking?

• 51:49Speaker 03

  No, but you do like the course things and the budgeting app and all of that.

• 51:53Caleb Hammer?

  All the good stuff.

• 51:53Speaker 03

  And so if you had some kind of like smoking cessation program, that would save me $300 a month.

• 51:59Caleb Hammer?

  How about just don't get lung cancer and die early for the sake of your family and grow the fuck up?

• 52:03Speaker 03

  I'm dying at 52 anyways.

• 52:05Caleb Hammer?

  Not necessarily, but certainly on your track. What do you think heart disease and stroke leading causes of? Huh?

• 52:10Speaker 03

  And I have high blood pressure.

• 52:11Caleb Hammer?

  Oh, why don't you continue smoking those packs?

• 52:13Speaker 03

  But I have nice teeth.

• 52:14Caleb Hammer?

  Huh?

• 52:15Speaker 03

  But I have nice teeth. And actually TSA took my toothpaste today. I'm pissed. I have to go get new toothpaste.

• 52:21Caleb Hammer?

  Dude, I don't give a.

• 52:22Speaker 03

  Just saying.

• 52:22Caleb Hammer?

  Okay, Blue Cash, tell me, what's up?

• 52:25Speaker 03

  No idea. What's Blue Cash? Oh, the Amex?

• 52:27Caleb Hammer?

  Yes.

• 52:28Speaker 03

  So that's the one I switched to. So Amex, I get 6% on groceries and 3% on gas.

• 52:34Caleb Hammer?

  It doesn't matter. You're getting $40 in fees and $30 and 25 cents of interest.

• 52:37Speaker 03

  I forgot.

• 52:38Caleb Hammer?

  Why do you care about points? You forgot again, again.

• 52:40Speaker 03

  Yeah, no, that is the problem. Okay, so.

• 52:42Caleb Hammer?

  Wait, you didn't even pay. Is there a late fee in here?

• 52:45Speaker 03

  Yes, that's the 40.

• 52:46Caleb Hammer?

  You're a fucking late fee?

• 52:47Speaker 03

  I forgot.

• 52:47Caleb Hammer?

  What is wrong with you? You're a mother!

• 52:50Speaker 03

  I forgot. I forgot to pay the bill.

• 52:52Caleb Hammer?

  You forget everything other than to go suck your ex's dick three times a week. That's the only thing you remember.

• 52:57Speaker 03

  That's for the moment. I don't have to remember anything. But I had, like, all I do, I just call them up and I'm like, yo, like, I, I forgot. It's my first fee.

• 53:07Caleb Hammer?

  What is wrong with you?

• 53:08Speaker 03

  They take it off.

• 53:09Caleb Hammer?

  Yeah, but this is two cards in a row where you're just like, I forgot.

• 53:11Speaker 03

  They take it off.

• 53:12Caleb Hammer?

  The, the late fee, sure, but in terms of the balance and everything, this is your second card in a row where you're like, yeah, I just forgot. It's not cute. What is that? What the fuck is that? Forgot? What do you mean?

• 53:23Speaker 03

  And then I forgot about my other credit card payment, so I bounced my mortgage this month.

• 53:27Caleb Hammer?

  Because you're financially irresponsible and no one should give you money. I want to take child support away from you.

• 53:32Speaker 03

  He would do better if he handled it.

• 53:34Caleb Hammer?

  Huh?

• 53:34Speaker 03

  He would do better if he handled it. My ex, if he took the 2150 and like actually like.

• 53:39Caleb Hammer?

  Allocated it properly, yeah.

• 53:41Speaker 03

  Yeah.

• 53:42Caleb Hammer?

  Yeah, cuz you're a joke. Man, if you're out there, I understand it probably feels nice for a solid two minutes. Please stop sleeping with this woman.

• 53:50Speaker 03

  Why?

• 53:51Caleb Hammer?

  Please, she just needs to fucking go.

• 53:54Speaker 03

  He doesn't pay.

• 53:54Caleb Hammer?

  She just needs to go leave. Get her out of your life.

• 53:56Speaker 03

  He couldn't. It's been 22 years he's been trying.

• 54:01Speaker 00

  This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a 50-page restoration block, or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up required. Compatibility and availability varies 18 plus.

• 54:27Speaker 03

  Literally. We've broken up and gotten back together so many times.

• 54:31Caleb Hammer?

  Get her out. Only see her on the exchange of children.

• 54:35Speaker 03

  I'm addictive.

• 54:36Caleb Hammer?

  No.

• 54:39Caleb Hammer?

  What are you talking about?

• 54:40Speaker 03

  He loves me?

• 54:41Caleb Hammer?

  No.

• 54:44Caleb Hammer?

  You fuck him.

• 54:47Speaker 03

  Yeah.

• 54:49Speaker 03

  Yeah. Yeah, I got nothing else.

• 54:51Caleb Hammer?

  Yeah.

• 54:52Speaker 03

  I've never stopped, so I don't know if he'd leave me if I stopped.

• 54:55Caleb Hammer?

  He would. I will speak for him.

• 54:59Caleb Hammer?

  I will, uh, speak for him. Didn't even get the minimum monthly payment on the first card. 520, how the fuck? Your irresponsibility is leading to these minimum payments you can't even come close to reporting. And on the blue cash, it is $157.41. And what fuck world are you paying these minimum monthly payments? Good luck.

• 55:19Speaker 03

  I have no idea.

• 55:22Speaker 03

  Well, I'm, okay, I'm scaling back. I'm scaling back. I'm scaling back.

• 55:26Caleb Hammer?

  You're not. I have your stuff. You spend double what you make. Shut the fuck up.

• 55:30Speaker 03

  Well, I was gonna buy a Louboutin purse and chose not to.

• 55:33Caleb Hammer?

  Oh.

• 55:33Speaker 03

  But now I'm getting ads.

• 55:35Caleb Hammer?

  Okay.

• 55:37Caleb Hammer?

  If two people meet and kids are born and they get separated, the primary caretaker should get the child support. The other person, the primary caretaker should get the fucking child tax credits. If that person goes blows all their money on Louis Vuitton, fucking painting her in a Rolex, that money should be taken away. That money should be taken away and the kid should be given to the other person.

• 56:03Speaker 03

  First of all, they can't be. I'm an awesome mother. They can't be because he travels all the time. That's how he makes all his damn money.

• 56:08Caleb Hammer?

  Yeah, it'd be, I'd have to fucking just take them. Them going with him would be a better life.

• 56:14Speaker 03

  Listen, I use my money. I do not use child support.

• 56:17Caleb Hammer?

  No, do not understand that it all goes into a pile. Doesn't matter if you calculate, yes, I use this. No, if you use this one dollar from pulling from retirement, if you're putting, you're putting this on a credit card. This credit card, it gets paid in the checking account where your retirement pool gets from and where your child support goes as well.

• 56:34Speaker 03

  And I do want to fix that, but, but like, I want to get to a point where it's just my income and child support are completely financially supported.

• 56:42Caleb Hammer?

  Yeah, you've done nothing to do it, so I don't give a fuck. You've done nothing to do it.

• 56:44Speaker 03

  That is true.

• 56:45Caleb Hammer?

  It takes 13 years to pay off. Getting Wendy's, breeze through Minmart, getting some bullshit.

• 56:51Speaker 03

  Breeze through the cigarettes.

• 56:52Caleb Hammer?

  Huh?

• 56:53Speaker 03

  Breeze through the cigarettes.

• 56:54Caleb Hammer?

  Yeah, let's, let's smell like shit for the rest of our lives.

• 56:56Speaker 03

  You're right. It does, it stinks.

• 56:58Caleb Hammer?

  Yeah, I'm surprised someone even is was sleeping with you. Panera Bread Dunkin' Donuts.

• 57:02Speaker 03

  I showered before.

• 57:03Caleb Hammer?

  No, trust me, it does not fix everything.

• 57:05Speaker 03

  I know, he won't kiss me.

• 57:06Caleb Hammer?

  Yeah, you're disgusting. Dunkin' Donut, Siffer products, McDonald's, breeze through Minmart, again, more cigarettes every second of our life.

• 57:15Speaker 03

  I know, I want to quit.

• 57:16Caleb Hammer?

  Cigarettes, cigarettes, I want to quit, does nothing to do it. Shut the fuck up. Double Hoagies, cigarettes, cigarettes, Wendy's, cigarettes, Dunkin' Donuts, cigarettes, cigarettes, Peacock, how many, what, how many packs?

• 57:27Speaker 03

  Food and cigarettes.

• 57:28Caleb Hammer?

  What do you got? How many cigs?

• 57:30Speaker 03

  For 15 years, I was a pack and a half a day, or no, no, a pack and a half every two days. Uh, now I'm at a pack a day.

• 57:38Caleb Hammer?

  What is wrong with you?

• 57:39Speaker 03

  I know.

• 57:39Caleb Hammer?

  You're a mother!

• 57:40Speaker 03

  Nursing school.

• 57:41Caleb Hammer?

  Cigarettes, shut the [__] up.

• 57:42Speaker 03

  Swear.

• 57:43Caleb Hammer?

  Other people go through nursing school without killing themselves. Shut up.

• 57:46Speaker 03

  That's true. A lot of nurses smoke, though.

• 57:49Caleb Hammer?

  A lot of people kill themselves. Yes, a lot of people do a lot of bad things.

• 57:53Speaker 03

  I want to quit.

• 57:53Caleb Hammer?

  A lot of people make horrible life choices. That does not mean you do.

• 57:57Speaker 03

  You're right.

• 57:58Caleb Hammer?

  Cigarettes, cigarettes, cigarettes, [__] man. Denny's, vending cigarettes, cigarettes, McDonald's, cigarettes, Wendy's.

• 58:05Speaker 03

  Are the trips on this card?

• 58:06Caleb Hammer?

  Cigarettes, McDonald's, cigarettes, late payment, there it is, interest accruing like [__] crazy. Two late payments this year so far, so... She forgets. She honestly forgets.

• 58:17Speaker 03

  Are the trips on this card?

• 58:18Caleb Hammer?

  It's gonna suck when you forget to take your kid out of the car when you go inside somewhere one day.

• 58:24Caleb Hammer?

  All you do is forget.

• 58:27Speaker 03

  I do.

• 58:29Speaker 03

  I think the trips are on this card, so...

• 58:32Caleb Hammer?

  What card?

• 58:32Speaker 03

  No, the camps.

• 58:35Speaker 03

  On the... Didn't you just go through the MX?

• 58:39Speaker 03

  Yeah, I used the MX.

• 58:40Caleb Hammer?

  I can see it in the color of your skin.

• 58:42Speaker 03

  What?

• 58:42Caleb Hammer?

  Your smoke.

• 58:44Speaker 03

  No.

• 58:45Caleb Hammer?

  I absolutely can.

• 58:46Speaker 03

  I've had people tell me that like-

• 58:47Caleb Hammer?

  It doesn't look good. It does not look healthy. I can see it. You're killing yourself.

• 58:52Speaker 03

  Well-

• 58:53Caleb Hammer?

  Absolutely.

• 58:53Speaker 03

  I spent 6,000 on a face peel, so hopefully that'll go away.

• 58:56Caleb Hammer?

  6,000?

• 58:58Speaker 03

  Yeah.

• 58:59Caleb Hammer?

  On a peel?

• 59:00Speaker 03

  It's like a CO2 peel, so it like literally takes off the entire top layer of your skin, so I don't need botox or anything every three months. It lasts for like 10 years.

• 59:09Caleb Hammer?

  Okay, Lindsay's given a question, questionable, and I trust her for skincare.

• 59:14Speaker 03

  It's a CO2 laser.

• 59:16Caleb Hammer?

  Yeah, yeah, yeah, we know what it is, but you also look like you're kinda dying a little, so... I mean, the cigarettes are not just doing very well for your face.

• 59:26Speaker 03

  Absolutely, they're not, yeah.

• 59:27Caleb Hammer?

  Or your lungs.

• 59:28Speaker 03

  Nope.

• 59:29Caleb Hammer?

  You're gonna age like that.

• 59:30Speaker 03

  I know.

• 59:31Caleb Hammer?

  And you're a [__] facial person and peel when, when you're doing a pack a day? What the [__] are you?

• 59:36Speaker 03

  And sun damage, yeah.

• 59:37Caleb Hammer?

  It's not gonna do anything. You're killing yourself.

• 59:39Speaker 03

  Yeah.

• 59:40Caleb Hammer?

  3, 6,000 an hour, when?

• 59:43Caleb Hammer?

  When is that $6,000 peel?

• 59:45Speaker 03

  In May, like I'm surprised it's not on here.

• 59:48Caleb Hammer?

  I paid for it in May. I don't have your May purchases, you tit.

• 59:51Speaker 03

  Oh.

• 59:51Caleb Hammer?

  We're in June or July.

• 59:53Speaker 03

  Oh, my bad.

• 59:53Caleb Hammer?

  You tit? You're talking about May.

• 59:56Speaker 03

  I don't know. Well, it was in May, but I had to cancel it. So now I have to reschedule it. So.

• 1:00:01Caleb Hammer?

  But you still paid for it?

• 1:00:02Speaker 03

  I still paid for it.

• 1:00:03Caleb Hammer?

  So you're just draining your retirement to fucking get peels and watches and paintings?

• 1:00:08Speaker 03

  And traveling.

• 1:00:09Caleb Hammer?

  This is so fucking stupid. What is wrong with you? You are a mother, barely.

• 1:00:14Speaker 03

  The traveling's for the kids.

• 1:00:16Caleb Hammer?

  Shut the fuck up.

• 1:00:17Speaker 03

  It is, it is. So.

• 1:00:18Caleb Hammer?

  You could give them such a better life.

• 1:00:20Speaker 03

  What's better than going to international trips every single year?

• 1:00:23Caleb Hammer?

  Every single year, setting them up for success.

• 1:00:25Speaker 03

  I have. They have an education fund.

• 1:00:27Caleb Hammer?

  Education fund. That isn't honestly fully funding a four-year institution, that is for sure.

• 1:00:31Speaker 03

  It's $35,000 at 10 years old and it's invested.

• 1:00:35Caleb Hammer?

  You're right. That will, that will probably get there for what it's worth. But you could help them open a business. You could help them put the down payment on their first house. You could help them in so many ways that no, many other people do not get to do. But you're just like, you know, fuck it. I'm gonna have fun. Here we ball. That's where you're at. Amazon card. The fuck is going on with this?

• 1:00:57Speaker 03

  Amazon? Amazon is just my Amazon purchases and DoorDash.

• 1:01:01Caleb Hammer?

  DoorDash? Why? Why an Amazon card?

• 1:01:04Speaker 03

  Uh, oh, cuz I lost my card.

• 1:01:06Caleb Hammer?

  Yeah, well, this one's paid off every month.

• 1:01:08Speaker 03

  In Japan. And so.

• 1:01:11Caleb Hammer?

  But you did spend $941, which is insane for your income. That is a fifth of your fucking income and it's all on Amazon, Amazon, Prime Video. Doordashing Golden something, Amazon, Doordashing Beachside, Doordashing Wendy's. I don't give a your kids would probably love a down payment if, once they get a house. Doordashing Firehouse, Doordashing Wendy's, Amazon, Amazon, shut the fuck up. Doordashing number one, Amazon, Doordashing Wendy's, Doordashing Wendy's, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. Huh?

• 1:01:38Speaker 03

  I got a fish. Like, just, like you have one.

• 1:01:41Caleb Hammer?

  Let me guess. You're just using an investing app that doesn't invest in you. It has time to change that. Right now, Weeble is offering up to a 3.5% match when you open an IRA with them. That is real money going into your retirement, not just points or coupons. And that's just the start. Deposit $100 and you get 30 days of Weeble premium. Anywhere from $2,000 to $10,000 sitting around in your account. Move it to Weeble and get $200 in cash. And if you worked your way up to $5 million, that's $30,000 in your account just for moving it over. It is not just about the perks, though. Weeble provides the tools that serious investors want as well. Trading view integration, real time data, zero commission trades. It actually works on all your devices.

• 1:02:24Caleb Hammer?

  And now through September 30th, you can stack even more. Get a $100 cash bonus for every $2,000 deposit, plus a 2% cash back on all deposits, and a 30-day premium voucher and a 4% APY booster on any uninvested cash. It doesn't get better than this. So stop overpaying for a platform that gives you nothing back and make the switch to Weeble. Go to weeble.com/k/kaleb or hit the QR code or the link below. Let's get back to the show. Oh, you don't deserve anything. Pull up your phone. Pull up your phone!

• 1:02:53Caleb Hammer?

  Pull up Amazon. Pull up Amazon!

• 1:02:57Speaker 03

  I don't even know what I bought.

• 1:02:57Caleb Hammer?

  Shut up!

• 1:02:58Speaker 03

  I still have stuff unopened.

• 1:03:01Caleb Hammer?

  Pull up Amazon. You don't have to fill the air with words.

• 1:03:05Speaker 03

  Why not?

• 1:03:06Caleb Hammer?

  Cut. Shut the fuck up.

• 1:03:08Speaker 03

  Deal.

• 1:03:11Speaker 03

  Yeah, God. I don't even know.

• 1:03:15Caleb Hammer?

  Can't even afford a nice phone when you're spending this all on bullshit.

• 1:03:18Speaker 03

  That's a very nice phone. I like, and I, I keep my phones for a long time. It's a Samsung Note.

• 1:03:23Caleb Hammer?

  Means nothing to me.

• 1:03:25Speaker 03

  iPhone is garbage if you want to keep.

• 1:03:26Caleb Hammer?

  Sure, maybe, but of all Androids, this looks like a piece of

• 1:03:31Speaker 03

  I really like that phone.

• 1:03:32Caleb Hammer?

  No, it's performing okay for on the scroll test. Okay, yeah, some bull

• 1:03:39Speaker 03

  Yeah. So I sort of do grocery shopping there too.

• 1:03:42Caleb Hammer?

  Toothbrush, batteries, well endless batteries. Okay, we do not need to get an aquarium that is an expensive hobby. Cause a lot, you've caught, she spent a lot on that.

• 1:03:52Speaker 03

  I told you.

• 1:03:53Caleb Hammer?

  Air pumps and food and.

• 1:03:55Speaker 03

  I watched a tetra gasping for air and I immediately had to go and get.

• 1:04:00Caleb Hammer?

  Yeah, maybe you shouldn't have it. How long did you have it? Did you put it in the day you made your tank?

• 1:04:05Speaker 03

  Two weeks? No. Uh-uh. My beta was in there. My, yeah, my beta was in there for like three months and then I put a couple tetras in there for her to play with and.

• 1:04:14Caleb Hammer?

  Well, it probably wasn't adjusted then. It probably didn't have the adequate plants and.

• 1:04:19Speaker 03

  Yeah, no, it totally does. I almost took a picture for you because I saw yours in the background.

• 1:04:22Caleb Hammer?

  It was gasping for air. I don't know.

• 1:04:24Speaker 03

  I think it just.

• 1:04:25Caleb Hammer?

  Adjustable aquarium air pump.

• 1:04:27Speaker 03

  So the other ones are fine.

• 1:04:28Caleb Hammer?

  Yeah, I know. Now, Indian almond leaves for beta fish. What the fuck is wrong with you? Leggings, pants. Yes, you just can't afford it and you're begging for more money. Shrimp cave.

• 1:04:38Speaker 03

  Oh, I got shrimp, but she killed him right away. So she uses the case.

• 1:04:44Caleb Hammer?

  Vic something.

• 1:04:45Speaker 03

  To cover the sense when I'm working.

• 1:04:46Caleb Hammer?

  Shut up.

• 1:04:47Speaker 03

  What?

• 1:04:48Caleb Hammer?

  H2, uh, CO2 aquarium background thing.

• 1:04:52Speaker 03

  Told you.

• 1:04:54Caleb Hammer?

  Told me what? That you got a fish tank? I believed you.

• 1:04:56Speaker 03

  It's the fish.

• 1:04:57Caleb Hammer?

  Yeah, I wasn't questioning whether or not you got a fish tank. Beta fish bullshit, dumb, dumb bullshit, landscape fabric, dumb bullshit. Zip ties. This is a lot of spending that you definitely don't need. And it's, it's actually, this is less than a month. The ploddy's bored, fuck off.

• 1:05:14Speaker 03

  I haven't opened the ploddy's board.

• 1:05:15Caleb Hammer?

  Survival stuff. I love the hobby, but you do not need it. Your money's gonna run out before you even think you're gonna die. This is a joke and that's even with your fucking income boost, honestly, because you're spending well more than you make. Okay, his low's cards paid off every month. Put your.

• 1:05:32Speaker 03

  I forgot.

• 1:05:32Caleb Hammer?

  You're a moron.

• 1:05:34Speaker 03

  I, I rarely use it. I rarely use it.

• 1:05:37Caleb Hammer?

  You're a moron.

• 1:05:38Speaker 03

  I know. That one I take full.

• 1:05:39Caleb Hammer?

  What's wrong with fucking auto pay?

• 1:05:42Speaker 03

  So that one is now on auto pay because I heard your voice in my head. It's disgusting. So I put it on auto pay.

• 1:05:49Caleb Hammer?

  Fucking super fans. Listen.

• 1:05:52Speaker 03

  I like your show.

• 1:05:53Caleb Hammer?

  This makes no sense. You made the smallest purchases in the world and the minimum monthly payment would have taken care of it, but then you had a late fee because you can't deal with anything. You have no ability to be responsible.

• 1:06:07Caleb Hammer?

  What a joke. What a joke on something so little. It's so stupid.

• 1:06:13Speaker 03

  There's a lot going on.

• 1:06:15Caleb Hammer?

  What?

• 1:06:16Speaker 03

  Oh my God. I go to nursing school. I have a job. I have three kids.

• 1:06:20Caleb Hammer?

  Nursing school right now. It's summer. You swap both. They are not at the same time. So do not name them at the same time. Shut the fuck up. You have kids. You chose to bring them into the world. That's what happens. Every, every parent has kids. I don't know if you know this. Okay. Congratulations. So you have kids. You're working. You have no other parents do that. What else is going on other than your yearly world travels and sucking three times a week?

• 1:06:42Speaker 03

  I don't suck. It's for poor people.

• 1:06:45Caleb Hammer?

  No wonder you guys got divorced.

• 1:06:46Speaker 03

  Oh.

• 1:06:49Speaker 03

  Fair.

• 1:06:50Caleb Hammer?

  For poor people?

• 1:06:51Speaker 03

  You've never heard that? It's a Paris Hilton quote.

• 1:06:55Caleb Hammer?

  No, I'm not.

• 1:06:57Speaker 03

  Hmm?

• 1:06:59Caleb Hammer?

  Kind of a dick thing, isn't it?

• 1:07:01Speaker 03

  What?

• 1:07:02Caleb Hammer?

  A quote?

• 1:07:04Speaker 03

  Yeah. Paris Hilton said she doesn't suck dick, only that's for poor people. When her sex tape came out.

• 1:07:10Caleb Hammer?

  You're on your way. Oh no, we have to go on a yearly vacation. Ooh. What else?

• 1:07:16Speaker 03

  Takes a lot of planning.

• 1:07:17Caleb Hammer?

  Shut the fuck up. What else?

• 1:07:18Speaker 03

  Especially with childcare.

• 1:07:19Caleb Hammer?

  Shut up. What else?

• 1:07:21Speaker 03

  I don't know. So that was it. That was it.

• 1:07:23Caleb Hammer?

  Well, you said a lot is going on.

• 1:07:24Speaker 03

  And work, work and school.

• 1:07:27Caleb Hammer?

  Not at the same time. Incorrect. Lies. Shut up. Incorrect.

• 1:07:31Speaker 03

  Three kids.

• 1:07:32Caleb Hammer?

  Am I nicer yet? Cause I'm in a relationship. Shut the fuck up.

• 1:07:35Speaker 03

  No, you're not.

• 1:07:36Caleb Hammer?

  Damn right.

• 1:07:42Caleb Hammer?

  So that was a bull excuse. Great. Okay.

• 1:07:44Speaker 03

  All right.

• 1:07:45Caleb Hammer?

  Yeah. You just want to enable yourself endlessly to make just you just want to essentially excuse all your misbehavior. It's ridiculous. What's your car?

• 1:07:54Speaker 03

  Uh.

• 1:07:54Caleb Hammer?

  2022 Ford Escape.

• 1:07:56Speaker 03

  It's a PHEV though.

• 1:07:58Caleb Hammer?

  What does that mean?

• 1:07:58Speaker 03

  So it's a plug-in hybrid. So I save money on gas.

• 1:08:02Caleb Hammer?

  Yeah. And what's the interest rate on this car?

• 1:08:05Speaker 03

  I don't know. I thought it was 12, but I think it's a lot lower.

• 1:08:08Caleb Hammer?

  But you save money on gas. 12% interest. Fuck you, dude.

• 1:08:13Speaker 03

  But I don't think it's 12. I don't think it's 12.

• 1:08:15Caleb Hammer?

  I don't know. You'd be the one that does.

• 1:08:17Speaker 03

  I have to pull it up.

• 1:08:19Caleb Hammer?

  You'd be the one that fuck does. You're lucky you have equity in this car.

• 1:08:22Speaker 03

  I have a lot of equity in this car.

• 1:08:24Caleb Hammer?

  Thanks to the guy.

• 1:08:24Speaker 03

  I have, the guy? What guy?

• 1:08:27Caleb Hammer?

  The ex.

• 1:08:27Speaker 03

  No. I paid for that with my own money. I paid half down, 50%.

• 1:08:31Caleb Hammer?

  Your parents' money. Okay, $14,415. Yeah, you've no, you've earned nothing in your life.

• 1:08:38Speaker 03

  You're right.

• 1:08:38Caleb Hammer?

  You own.

• 1:08:39Speaker 03

  No, no, no, no. I've earned a lot, but no, I did not earn my parents' money.

• 1:08:42Caleb Hammer?

  Great. $14,415.18 is what the car is owing on a 12% interest rate, maybe 23,000 is its value, but a $483 minimum payment. It's not even about the car having equity. It's about the fact that you have a minimum payment on that you cannot afford. You can't afford.

• 1:08:59Speaker 03

  You're right.

• 1:08:59Caleb Hammer?

  If you cannot afford your minimum payments, why are we having all these high balances on cars and not even thinking about them? Wipe them. Wipe them because your market return is not the 30% that you are paying in interest. Wipe them and probably pay off the car as well if it's 12%.

• 1:09:14Speaker 03

  So I did them that, then it is 30%. In the last year and a half, I have made.

• 1:09:18Caleb Hammer?

  No, that is one year. That is not a rolling average.

• 1:09:21Speaker 03

  29%.

• 1:09:22Caleb Hammer?

  That is not a rolling average, you actual creature. That is not a rolling average. You're getting 10% on average, probably.

• 1:09:28Speaker 03

  Well, I can't tell what my rolling average is because I keep taking money out.

• 1:09:31Caleb Hammer?

  You said it's in the S and P 500 ETF. It's an 8 to 10% rolling average.

• 1:09:35Speaker 03

  It's not just SP. Why? I'm in Google. I was in Tesla.

• 1:09:38Caleb Hammer?

  Okay, maybe 12%, but that is your rolling average. Up years, down years combined. Tesla's flat over the past few years. So what the fuck are you talking about?

• 1:09:48Caleb Hammer?

  All I know is it is not beating our credit card on average because the credit card will stay the same. Those stocks will not. Next year might be a down year. You don't know. You don't know.

• 1:09:58Speaker 03

  You're right.

• 1:10:03Speaker 01

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• 1:10:31Speaker 03

  It's gambling, sort of.

• 1:10:35Caleb Hammer?

  Yeah, what? No, it's just interest accruing, that's not gambling, what are you talking about?

• 1:10:40Speaker 03

  I mean, in the stock market. It's sort of gambling, I don't know, I could lose it tomorrow, I can lose every single dime tomorrow and all of my money is in the stock market.

• 1:10:49Caleb Hammer?

  All I'm saying is, you know for a fact this is accruing 30% in interest and the car is 12%, which is over the historic market returns on the up years, down years combined basis. Just pay them off and then budget. You can't afford minimum payments, you need to go no minimum payments and then live on an incredibly strict budget because you're a mother.

• 1:11:08Speaker 03

  I need to figure out how to pay them, I don't know what to pay them from.

• 1:11:12Caleb Hammer?

  Pull and you pay. How have you been pulling so far?

• 1:11:16Speaker 03

  Uh, so I've been pulling from my inherited account because I don't have to pay the penalties, but I also have a brokerage that I can pull from, but then I pay capital gains.

• 1:11:27Caleb Hammer?

  Yeah.

• 1:11:28Speaker 03

  So I'm not sure which ones to pull it from.

• 1:11:30Caleb Hammer?

  Long term though, probably.

• 1:11:32Speaker 03

  Um, what? Oh yeah, yeah, long term, yeah, I haven't made any trades in a long time. Um, so I don't know which one is better. Like, I don't know tax-wise, like, which one I should pull from, and then...

• 1:11:45Caleb Hammer?

  But either way, honestly, with most, you're probably gonna get a return on investment either way, but this is the, maybe not with the car, honestly, maybe not with the car, but with the credit cards, yeah.

• 1:11:56Speaker 03

  Say that again.

• 1:11:57Caleb Hammer?

  Either account you pull from, with the 30% interest rate on the card, you will probably get a return on the investment, from either account you pull from. The car, not 100% sure.

• 1:12:07Speaker 03

  I was...

• 1:12:08Caleb Hammer?

  Especially if you don't really know the interest rate. You said it's probably 12, but now you think it's lower, I don't know.

• 1:12:13Speaker 03

  I think, I mean, I think I gave you, I think I gave you the, um...

• 1:12:16Caleb Hammer?

  I'll fucking have it.

• 1:12:17Speaker 03

  I know, I, I, I...

• 1:12:20Caleb Hammer?

  You know.

• 1:12:20Speaker 03

  I might have forgot.

• 1:12:22Caleb Hammer?

  Yeah, hmm, these lucky kids.

• 1:12:26Speaker 03

  I am actually a really good mom.

• 1:12:28Caleb Hammer?

  Yeah, but you forget everything.

• 1:12:29Speaker 03

  Not perfect.

• 1:12:29Caleb Hammer?

  No one is. No one would suggest that you should be. Cause it's impossible, but you forget everything.

• 1:12:34Speaker 03

  I do. I do.

• 1:12:35Caleb Hammer?

  And then you think it's cute. Like, shut the fuck up.

• 1:12:37Speaker 03

  I don't think it's cute.

• 1:12:39Caleb Hammer?

  Well, yeah, I forgot. This is like your thing. It's your catchphrase.

• 1:12:42Speaker 03

  I'm working on it. I'm working on it. So I've got notes that and stuff so that this doesn't happen again.

• 1:12:47Caleb Hammer?

  Did you get the largest chunk of the portfolio?

• 1:12:50Speaker 03

  What do you mean?

• 1:12:51Caleb Hammer?

  Retirement, the portfolio from your parents? I know we split some houses. Why'd you get the most?

• 1:12:56Speaker 03

  Oh, from my sister? No, we split it evenly.

• 1:13:00Caleb Hammer?

  Oh.

• 1:13:00Speaker 03

  So all of the accounts went half and half. And then, um.

• 1:13:03Caleb Hammer?

  Her parents were wealthy.

• 1:13:05Speaker 03

  No, and then the property, the property we divided based on equity. And then she bought me out of one of the properties, which is that money went into my kid's education fund. That funded that. She's a doctor. My sister's a doctor.

• 1:13:17Caleb Hammer?

  I don't give a fuck.

• 1:13:17Speaker 03

  She doesn't have to worry about all that. She does just fine.

• 1:13:20Caleb Hammer?

  Doesn't matter. You could be a high earner and be even more financially irresponsible. That means nothing to me. Sally Mae.

• 1:13:27Speaker 03

  So I knew we were gonna get there. And I want to explain my thinking before you yell at me. I want to explain something before you yell at me.

• 1:13:34Caleb Hammer?

  Okay.

• 1:13:36Speaker 03

  The way I thought about this was that I'm making more in the market than I would if I pulled the money out of the market to pay cash for my school.

• 1:13:48Caleb Hammer?

  But that's literally incorrect. It's 13% interest. Your market's getting 10.

• 1:13:53Speaker 03

  I started school in January of 2024 and I have made $30,000.

• 1:13:59Caleb Hammer?

  You have made, but that mathematical equation is incorrect because on average, again, this 13% is not changing. On average, you're getting 10%. You got lucky with the market. You were not able to strategically plan that.

• 1:14:13Caleb Hammer?

  You got lucky with the market. It could have completely done the opposite as well.

• 1:14:18Speaker 03

  Yes.

• 1:14:18Caleb Hammer?

  But no, on average, especially with how long this loan's gonna last. No, you will, in the most likely circumstance, in the most likely timeline, you will lose more having this than in the market. On a historic basis, 13 or 10, what's higher?

• 1:14:37Speaker 03

  I know, and that's why I needed help because I think I have great ideas.

• 1:14:40Caleb Hammer?

  What the fuck are you talking about?

• 1:14:41Speaker 03

  Well, because I think I have great ideas.

• 1:14:43Caleb Hammer?

  This stuff's starting to be convoluted and wild. Just follow basic.

• 1:14:47Caleb Hammer?

  Okay.

• 1:14:48Speaker 03

  It wasn't basic at the time.

• 1:14:49Caleb Hammer?

  You get, you get, you get, as a guest on the show, you get access to Dollar Wise Central, which has all of our educational programs from debt, from budgeting, from investing to recession, preparing to careers, to the basics, to everything. You get all of it. Take all of our educational programs and use the premium version of our budget app. You get it for free. You guys all get it for 80% off at dollarwise.com, but you get it for free. So take advantage of it, and that at least helps understand this.

• 1:15:15Speaker 03

  Mm hmm.

• 1:15:15Caleb Hammer?

  Okay. In fact, we're doing like a basics class right now for people that are just getting started. And it explains this literal exact thing. When it comes to what's good, bad, and bad debt, this is bad debt.

• 1:15:26Speaker 03

  I thought it was good debt.

• 1:15:27Caleb Hammer?

  Well, it's not even close to good debt. Okay, so Sally Mae, yo, when did you borrow this? Cause it's.

• 1:15:33Speaker 03

  I started taking out in January of 2024.

• 1:15:35Caleb Hammer?

  Oh, me. Okay. Yeah, it hasn't moved. $19,851.50. When was the last time you took a draw, a borrow? You passed, though, you fuck. I forgot.

• 1:15:47Speaker 03

  I did. I really did. I really did. Actually, and this one, that's a whole nother thing. But I really did, because I'm doing interest-only payments right now. So I really did.

• 1:16:01Caleb Hammer?

  Auto pay exists.

• 1:16:03Speaker 03

  But if I auto pay, then I over, then I overdraw. Because I forget to move money.

• 1:16:12Caleb Hammer?

  Then we don't go on vacation, then we don't go out to eat.

• 1:16:15Speaker 03

  But it's not that I can't afford it. It's that I forget to move money.

• 1:16:19Caleb Hammer?

  You can't afford it. You're pulling from retirement. That's not affording. Hmm. You can go through the next thing if you want, but it's not going to take you to the end of life, most likely. Continue a pack a day, maybe, but.

• 1:16:31Speaker 03

  That's fair.

• 1:16:32Caleb Hammer?

  It's not a joke.

• 1:16:32Speaker 03

  I didn't know it would run out in nine years. I hadn't done the math. So that makes me sad.

• 1:16:36Caleb Hammer?

  Okay, there's how much exists there. Give it a 10% return and divide how much you pull from it on a yearly basis. And it's very easy. That would have taken you about 30 seconds for nine years of pain. Your lack of being able to do anything and endlessly forgetting is astonishing. Almost impressive.

• 1:16:58Speaker 03

  Thank you.

• 1:16:59Caleb Hammer?

  Yeah, if I didn't hate your guts. I don't hate you, but it's kind of ridiculous. Your minimum monthly payment is. 204.55. Of course, you're behind, so this is ridiculous. 204.55.

• 1:17:17Speaker 03

  I really don't want you to turn the page.

• 1:17:19Caleb Hammer?

  No, what then?

• 1:17:25Speaker 03

  I don't even know what to say. I've got nothing to say.

• 1:17:28Caleb Hammer?

  You did all this within a year?

• 1:17:30Speaker 03

  Year and a half. That's-

• 1:17:32Caleb Hammer?

  She has another forty-three thousand, nine hundred, ninety-seven dollars and thirty-four cents in Sally Mae debt.

• 1:17:42Speaker 03

  And I think that one's late, too.

• 1:17:44Caleb Hammer?

  No, but it probably is at this point.

• 1:17:47Speaker 03

  Oh, then that one's on autopay. I knew I had one of them on autopay.

• 1:17:52Caleb Hammer?

  Oh, my fuck. You're absolutely ridiculous. Forty-three thousand? What school are you going to? What are you borrowing from?

• 1:18:01Speaker 03

  So it's an accelerated program. I'm getting my bachelor's in sixteen months.

• 1:18:05Caleb Hammer?

  This is still insane, though. Your bachelor, most people median borrows forty thousand. You're well above that in two loans combined.

• 1:18:13Speaker 03

  Forty thousand, which is the federal, is for school, and this-

• 1:18:17Caleb Hammer?

  Federal? I haven't even gone to federal yet.

• 1:18:19Speaker 03

  Yeah. I told you not to turn the page.

• 1:18:24Speaker 03

  That the Sally Mae is to live off of, so I don't have to pull it from my retirement.

• 1:18:30Caleb Hammer?

  You're living off of Sally fucking Mae? Not living off of fucking Mae, that cunt, that Sally ass whore.

• 1:18:40Speaker 03

  Then my cash makes more money.

• 1:18:42Caleb Hammer?

  Shut the fuck up. That is not true on average.

• 1:18:44Speaker 03

  And I've learned that now.

• 1:18:45Caleb Hammer?

  Shut up!

• 1:18:51Caleb Hammer?

  Oh, you're a tit. You're a tit. You're a fucking tit.

• 1:18:57Speaker 03

  I'll pay it back.

• 1:18:57Caleb Hammer?

  You're a tit. You're a tit. I'm- I'm sorry. I'm sorry. I'm crashing now. I gotta, I gotta back down. I got four hours of sleep last night. I'm very tired, so I'm gonna crash now. Ho!

• 1:19:09Speaker 03

  I'm not one of those ones that's like, oh, well, it'll go away. Like, I plan on paying all the back.

• 1:19:13Caleb Hammer?

  No, but you're equally as fucked with what you've done. Fuck! Sorry.

• 1:19:16Speaker 03

  You throw worse fits than my kids.

• 1:19:18Caleb Hammer?

  Because they don't know how moronic their mother is.

• 1:19:21Speaker 03

  Oh, yeah, they do like me.

• 1:19:22Caleb Hammer?

  Yeah, they're fit if they knew this, as they would swim into the ocean and never come back.

• 1:19:26Speaker 03

  I hope they don't have to take student loans.

• 1:19:28Caleb Hammer?

  If they do what you do, they will.

• 1:19:30Speaker 03

  Well, if there's ma- if their money's making more in the market, then-

• 1:19:32Caleb Hammer?

  Quiet now.

• 1:19:33Speaker 03

  Kidding. That was a joke.

• 1:19:34Caleb Hammer?

  Quiet. Hush now.

• 1:19:38Caleb Hammer?

  And hush. This is never gonna get paid off with its minimum payment of two. What the fuck? What the fuck is paying off?

• 1:19:45Speaker 03

  It's interest only.

• 1:19:46Caleb Hammer?

  Shh, shh, shh, shh, hush, hush, shh.

• 1:19:52Caleb Hammer?

  Go smoke a cigarette and die in 12 years. Shh.

• 1:19:56Speaker 03

  Then my kids will get money.

• 1:19:57Caleb Hammer?

  Shh. Not the retirement, not your portfolio. $238.31.

• 1:20:06Caleb Hammer?

  So how's a beach house? 415,000 hours, that doesn't make sense. Is it a condo? What is it? It's a house on the beach.

• 1:20:13Speaker 03

  Four bedroom, two bath.

• 1:20:15Caleb Hammer?

  Literally on the beach.

• 1:20:15Speaker 03

  No, no, no, I live like two or three blocks, three blocks from the beach.

• 1:20:19Caleb Hammer?

  Okay. The on the beach, shut the fuck up.

• 1:20:23Speaker 03

  I'm on the barrier island, I have to cross the bridge.

• 1:20:25Caleb Hammer?

  You don't live on the beach.

• 1:20:26Speaker 03

  We're beachside, we're not on the mainland.

• 1:20:28Caleb Hammer?

  On the beach, shut up. Shut up on the beach.

• 1:20:32Speaker 03

  Well, that's what everyone says.

• 1:20:33Caleb Hammer?

  Yeah, cuz you're not on the beach. You're not on the beach, fuck off beach. You're not on the beach, don't give yourself that privilege, beach, fuck off beach. You're not on a beach, you're not a beach.

• 1:20:44Speaker 03

  Fine, I'll sell it and I'll go get one on the beach.

• 1:20:46Caleb Hammer?

  Shut the, if you can't afford a single dick, shut up. That makes no sense. Okay, here's a mortgage and here it is, and is this at a great?

• 1:20:54Speaker 03

  It's at a very good rate.

• 1:20:55Caleb Hammer?

  I thought you brought in cash. No, no, no, no, no, no, I thought you said you brought in cash.

• 1:20:59Speaker 03

  No, I bought, I put 40% down.

• 1:21:01Caleb Hammer?

  Oh, okay, well, this is at a good rate.

• 1:21:04Speaker 03

  I moved.

• 1:21:05Caleb Hammer?

  $225,612.

• 1:21:10Speaker 03

  Yeah, for a house near the beach?

• 1:21:12Caleb Hammer?

  Shh, near, thank you for correcting.

• 1:21:15Speaker 03

  Okay.

• 1:21:17Caleb Hammer?

  Don't give yourself that privilege.

• 1:21:19Speaker 03

  I have sand in my front yard.

• 1:21:20Caleb Hammer?

  Quiet now, $12,044.24. Yeah, it's not a, it's not a bad house, listen, but you said, so did you lose money? You mean by lose money from your purchase price? But you wouldn't be underwater, you wouldn't have to come up with.

• 1:21:34Speaker 03

  No, no, no, my house isn't underwater, but like this, this, I won't be able to afford a house.

• 1:21:38Caleb Hammer?

  You be quiet.

• 1:21:40Speaker 03

  How are you gonna get that?

• 1:21:41Caleb Hammer?

  Quiet now.

• 1:21:43Caleb Hammer?

  Okay. Collections? What is wrong with you having collections?

• 1:21:48Speaker 03

  That is...

• 1:21:49Caleb Hammer?

  I forgot, I forgot, I forgot!

• 1:21:50Speaker 03

  No, no, that is principle. I'm leaving that on principle.

• 1:21:54Caleb Hammer?

  You went on a trip this Thursday?

• 1:21:56Speaker 03

  Yeah, I've got Wikiwachi coming up. That was my sister's idea.

• 1:22:00Caleb Hammer?

  Did you just call me?

• 1:22:02Speaker 03

  It's a town called Wikiwachi, it has mermaids. Um... Yeah, so...

• 1:22:08Caleb Hammer?

  What world am I living in? What world am I living in?

• 1:22:11Speaker 03

  My... It was my sister's idea, I said I'd pay for half, so we're going scalloping. It's on the other coast, it's still in Florida.

• 1:22:17Caleb Hammer?

  I give up. I give up, let's switch to communism or fascism, I don't care anymore. Let's go to one of the extremes, we're done. I'm cancelling this country, we have failed. We have failed, I don't care which way we go. Take all my money or give me all the money, I don't give a... We're done, we've lost it. People like this are mothers, oh, we're done. Oh...

• 1:22:39Speaker 03

  I'm a good mom, this is for them going!

• 1:22:41Caleb Hammer?

  For Wikiwachi mermaids?

• 1:22:43Speaker 03

  Wikiwachi.

• 1:22:44Caleb Hammer?

  Wikiwachi, shut the fuck up, I don't care.

• 1:22:46Speaker 03

  It's their summertime. It's my kid's summer.

• 1:22:49Caleb Hammer?

  It's everyone's summertime, shut the fuck up! That doesn't mean we have to kill ourselves, you heard...

• 1:22:54Speaker 03

  I'm not taking a plane, like, it's just in Florida.

• 1:22:57Caleb Hammer?

  Shut up!

• 1:23:00Caleb Hammer?

  What is this more collections for?

• 1:23:02Speaker 03

  I told you, it's on principle. I hate the medical field.

• 1:23:06Caleb Hammer?

  Medical bill... In your credit. Hmm... Actually, yes, a court struck down the rules. Yes, cuz the, uh... Uh, FEC... Uh... I don't remember, exactly. No, no, no, no, no. The Protection Bureau, if I'm not mistaken, they put in a rule that limited what could be reported on your credit when it comes to medical collections and what would be due. The court said, "No, no, no, you can't do that, Congress must do that."

• 1:23:36Speaker 03

  Are you talking about the CFPB?

• 1:23:37Caleb Hammer?

  Yes.

• 1:23:39Caleb Hammer?

  Yes. Thank you.

• 1:23:43Speaker 03

  Yeah, I heard about that.

• 1:23:45Caleb Hammer?

  However, I still think it's above $500 if I'm not mistaken, and these aren't. However, it's still throwing up on your experience. Well, maybe it's because it was before that rule was not enacted, but not passed either.

• 1:23:57Speaker 03

  Yeah, yeah, I don't know.

• 1:23:58Caleb Hammer?

  Okay, what is this? A stipple?

• 1:24:00Speaker 03

  Stipple? I don't know which one you're looking at.

• 1:24:02Caleb Hammer?

  Well, $6,000, that's not going to last us more than a half a month. $161,000.

• 1:24:08Speaker 03

  This is my retirement. This is my money.

• 1:24:12Speaker 03

  This is non-ex-husband, non-parents.

• 1:24:16Caleb Hammer?

  Oh, he is so lucky he gets to say the word ex. Man.

• 1:24:21Speaker 03

  I think I am.

• 1:24:22Caleb Hammer?

  I want to shake his hand. $161,000 in this, this is your that Roth blah, blah, blah, blah, blah?

• 1:24:30Speaker 03

  But what? $161,000 in the Roth? What is it? Does it say?

• 1:24:36Caleb Hammer?

  Does it say what?

• 1:24:37Speaker 03

  Oh, they blocked it off.

• 1:24:39Caleb Hammer?

  Yes, we're protecting your privacy.

• 1:24:40Speaker 03

  I know. I have, well, I have two there. One is a managed fund, which I do actually want to get rid of.

• 1:24:46Caleb Hammer?

  Here's an inherited IRA. This is the 158. So the other one must be your managed.

• 1:24:49Speaker 03

  So the other one is a self-directed IRA.

• 1:24:51Caleb Hammer?

  Okay, well.

• 1:24:52Speaker 03

  So that was invested in a house.

• 1:24:54Caleb Hammer?

  This has gone down from 100, basically 200,000 dollars to 158,000 dollars.

• 1:25:00Speaker 03

  Was that Schwop?

• 1:25:02Caleb Hammer?

  Yep.

• 1:25:06Speaker 03

  Yeah.

• 1:25:08Speaker 03

  I, I, I don't know. I want to say I transferred it somewhere or whatever, but I don't think so. I think I spent it.

• 1:25:18Caleb Hammer?

  I just don't know why you do. Why, why, why, why? $179 in this inherit.

• 1:25:26Caleb Hammer?

  Two inherited IRAs?

• 1:25:28Speaker 03

  I have one Roth, one traditional.

• 1:25:29Caleb Hammer?

  Oh, okay.

• 1:25:30Speaker 03

  And then I have an inherited one that's managed.

• 1:25:32Caleb Hammer?

  Here's a traditional. It went down from 238,000 to 179.

• 1:25:39Speaker 03

  That's

• 1:25:39Caleb Hammer?

  We're throwing away everything. All the work our parents did with

• 1:25:42Speaker 03

  Okay, so one of them is actually my father.

• 1:25:44Caleb Hammer?

  Actually?

• 1:25:46Speaker 03

  No, it's it's only the only thing in that account is Apple. That's it. He bought Apple at $7 a share in 2001.

• 1:25:52Caleb Hammer?

  Had to go down.

• 1:25:53Speaker 03

  And I've left it there.

• 1:25:53Caleb Hammer?

  Alright, another Schwab one. Down from 108,000 to 80,000.

• 1:25:58Speaker 03

  100

• 1:25:58Caleb Hammer?

  Ladies and gentlemen, we're

• 1:26:00Speaker 03

  That's the brokerage. That's my emergency fund.

• 1:26:02Caleb Hammer?

  When everything goes up, buy high, sell low, they say.

• 1:26:07Speaker 03

  That's my emergency fund.

• 1:26:09Caleb Hammer?

  Shut up. That's not an emergency fund. Okay, 330,000 dollars in this. This is great. Wow, it was 354,000. That's fantastic.

• 1:26:19Speaker 03

  What's that one?

• 1:26:19Caleb Hammer?

  Jeez.

• 1:26:20Speaker 03

  I don't know what that one is.

• 1:26:21Caleb Hammer?

  Roth.

• 1:26:26Speaker 03

  I don't know what that one is.

• 1:26:28Caleb Hammer?

  Freedom spending account. You have you have freedom and you blew it.

• 1:26:32Speaker 03

  That's my bills.

• 1:26:34Caleb Hammer?

  That's my bills. I don't give a I don't give a

• 1:26:37Speaker 03

  No.

• 1:26:38Caleb Hammer?

  Alright, income that comes in for now. And yes, I really you need to grind on the nurse life once you get it, but. Ken, your debt payments, not mortgage. Let's find out. Debt minimum monthly payments without your mortgage comes out to $1,593.55. Okay, she's surprised. I don't know how. Her mortgage is $2,040.24. Utilities, internet, all that stuff combined.

• 1:27:05Speaker 03

  Uh, water is 115, utilities are 165, electricity is 165, um, internet and phones, they're together, is, um, 206.

• 1:27:18Caleb Hammer?

  Hey! That's aggressive.

• 1:27:21Speaker 03

  I have my kids' lines on there.

• 1:27:23Caleb Hammer?

  $486. If T-Mobile's getting in your area, I would do helium. It's cheap if you own your phones right out. Okay, uh, gas, vroom, vroom, drive, drive.

• 1:27:35Speaker 03

  $40 a month.

• 1:27:37Caleb Hammer?

  What? Yeah, yeah, yeah, yeah, yeah.

• 1:27:40Caleb Hammer?

  Okay, car insurance.

• 1:27:42Speaker 03

  Uh, 600 every six months.

• 1:27:46Caleb Hammer?

  Uh-oh.

• 1:27:49Caleb Hammer?

  Okay, 100 bucks. Great. No, yeah. Complicated math. Okay. You get them five days a week?

• 1:27:55Speaker 03

  Who, my kids?

• 1:27:56Caleb Hammer?

  Well, how what's the what's the

• 1:27:58Speaker 03

  He gets them every other weekend.

• 1:28:00Caleb Hammer?

  Okay. Okay, so I'm gonna say you could

• 1:28:06Caleb Hammer?

  Thousand bucks, thousand bucks for groceries because you're not going out to eat anymore. Congratulations, welcome. Welcome to not going out to eat. TP fund, anything else you need to survive? This also goes to kids. Okay, your portion of the daycare, blah, blah, blah, childcare, whatever, how much is that on a monthly basis?

• 1:28:21Speaker 03

  Uh, it's

• 1:28:24Caleb Hammer?

  Come on!

• 1:28:25Speaker 03

  Frickin tricky. I don't know, let me think, hold on.

• 1:28:27Caleb Hammer?

  What's the total?

• 1:28:28Speaker 03

  Fifty, fifty, fifty, fifty, two hundred and then seventy, or thirty percent of two hundred. For right now.

• 1:28:34Caleb Hammer?

  That's it?

• 1:28:36Speaker 03

  A week.

• 1:28:37Caleb Hammer?

  Oh, okay. Two hundred and then thirty percent of that? Times up by fifty-two, divide that by twelve. Okay, two hundred sixty for childcare. And TP fund, anything else you need to survive, including for the kids, should be able to put you at four hundred dollars.

• 1:28:54Caleb Hammer?

  A month now, I think we can go down to three hundred dollars. It could be more expensive come beginning of school time, obviously, but we budget those in. Medical, healthcare, copays, anything?

• 1:29:03Speaker 03

  That's just about to hit. Um, yes.

• 1:29:05Caleb Hammer?

  What's just about to hit?

• 1:29:07Speaker 03

  Copays are gonna be about, I don't know, I'd say seventy a month.

• 1:29:13Caleb Hammer?

  Okay, seventy a month. Do you have any pets?

• 1:29:16Speaker 03

  Yes, I have a dog and a fish.

• 1:29:18Caleb Hammer?

  Okay, fish, no. And the dog, age and health?

• 1:29:23Speaker 03

  Uh, she's one and a half, good. She's not neutered. I just got a quote for it.

• 1:29:27Caleb Hammer?

  Okay, we're gonna do forty dollars a month in pet insurance, dog food, fish food combined. How much?

• 1:29:35Speaker 03

  God, I don't even

• 1:29:37Caleb Hammer?

  Come on!

• 1:29:38Speaker 03

  Ten dollars a month? She gets like a five pound bag of Purina and then it lasts for months.

• 1:29:43Caleb Hammer?

  Right, really taking care of her.

• 1:29:45Speaker 03

  I, she's, she's amazing.

• 1:29:48Caleb Hammer?

  That, that, that has nothing to do with what kind of food you got her. That also has nothing to do with what kind of food you get her. I know, I'm so fucking confused what you're talking about. Was four eighty-six for the internet or four eighty? Internet and phones!

• 1:30:00Speaker 03

  Two sixty.

• 1:30:02Caleb Hammer?

  Ah, with your utilities, I'll say forty. Sorry, it was combined. Necessary to survive, five thousand nine hundred thirty-three dollars and seventy-nine cents.

• 1:30:12Caleb Hammer?

  Of course, we know that makes us underwater decently.

• 1:30:17Speaker 03

  Not as much as I thought.

• 1:30:18Caleb Hammer?

  Well, this is because you've never budgeted and you've never cut back and you live life like you make so much more money because you spend $10,500 a month because you're a complete financial joke. Yes. And you're essentially an nepo baby and not even nepo baby, just a trust fund baby. And it's a sad excuse of an existence with what you're doing for it.

• 1:30:37Speaker 03

  I would trade all of it for my parents. I will tell you that.

• 1:30:42Speaker 03

  I just wanted to say.

• 1:30:42Caleb Hammer?

  Yeah, most would. That means congratulations. Oh, sympathy, sympathy sad. Okay. Yes, we all would. Come on.

• 1:30:49Speaker 03

  I'm just saying.

• 1:30:50Caleb Hammer?

  I'd give anything for my parents to survive. That is.

• 1:30:52Speaker 03

  Not like I'm Nanda's brother or something.

• 1:30:55Caleb Hammer?

  Fair enough. Fair enough. Though they're out for parole.

• 1:31:00Speaker 03

  I heard that.

• 1:31:01Caleb Hammer?

  If you budget, this at least break even, at least maintain your nest egg. You can pull, if you got basically a million bucks, what I will allow, gotta.

• 1:31:11Caleb Hammer?

  You can pull 40,000 hours a year, but that's it. That's so that it maintains.

• 1:31:17Speaker 03

  So what would I do? I would just pay all of my debt off right now.

• 1:31:21Caleb Hammer?

  Oh, yeah, that's probably.

• 1:31:22Speaker 03

  And then live off that.

• 1:31:23Caleb Hammer?

  Maybe not all the, no, no, not the house, not the high interest, not the low interest salary, but the high interest salary may, the blue cash and the Capital One. Yes, I'd pay it off and close them. You don't need credit, so it doesn't matter. Uh, yes, do that and then take 4% a year out of your portfolio indefinitely. Other than that, you earn what you want to spend. That's it. That's it, dude. Join us in the post show. There's extra things we're gonna get to talk about. There always are. And I don't know about them, but the producers are coming in. It's gonna get crazy. We're gonna do the financial out of post, uh, financial score, hammer financial score, and then we'll get into the post show, but spending within a budget. You ever spent zero out of 10? That?

• 1:32:06Caleb Hammer?

  Collection zero out of 10 on emergency funds. There is no emergency fund zero out of 10. Retirement 10 out of 10. Real estate, it's not perfect. It's a little down value, but you do have an equity position. Great rate. I'll say a seven out of 10. If you're not having an emergency fund, it is not properly invested. It's nope. That is not an emergency fund. Shut the fuck up. We're putting that towards the retirement because that's what it's invested as. That is a Hammer Financial Score 3.5 out of 10. Join Hammer Elite right now and submit proof of purchase at hammerelite.com and I will cover the cost by sending you a digital gift card that can be spent anywhere in most countries. Join us for the post show. I want to call this guy.

• 1:32:44Speaker 03

  The whole purpose of coming here.

• 1:32:45Caleb Hammer?

  Call him now. Get his on the phone right now. This is even better because he has no idea who Caleb is. Hi, can you hear me?

• 1:32:53Speaker 03

  Is she there?

• 1:32:53Caleb Hammer?

  She is. Say hi.

• 1:32:54Speaker 03

  They think you are smart to leave me. Is this being recorded right now? You okay with that? I'm not doing this.

• 1:33:00Caleb Hammer?

  exclusive members content. Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.

• 1:33:10Speaker 06

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