"Fascist America" Forced Him Into $22,000 Of Debt | Financial Audit

🍿 This is a *SPICY* post-show- I call his girlfriend, and she fully fights him on cutting back on traveling and digs in on him for going out to eat. It's so juicy, watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join 💵📱Download the *DollarWise Budgeting App* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. *AND REMEMBER* those who sign up for DollarWise Premium *annual* get a signed version of the Cook Book, just submit proof of purchase here: https://tally.so/r/3xzPq5 💸🤑💰 *FREE TRIAL* To make our classes and budgeting app *more affordable*, we bundled them together for an *80% DISCOUNT* and for this month only, you can try DollarWise Central for *free* - check it out here and change your life: https://dollarwise.com/dollarwise-central/ 🔋⚡🥤🔋 *STOP SPENDING $4 ON BS ENERGY DRINKS* Gamersupps tastes better and costs only *$00.25 per serving* - use my link, and save 10% https://gamersupps.gg/caleb and if you want *FREE SAMPLES* to test, just type in code CALEB ___________________________________________ ▶SPONSORS: Get up to $350 when you open a Chime® Checking account: https://chime.com/caleb Thanks to Chime for sponsoring this video. Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 ___________________________________________ ▶EDUCATION: 1. Get your own free Hammer Financial Score: https://www.calebhammer.com 💸🤑💰 2. Get all of my educational programs for a much lower cost here, including the premium version of my budgeting app: https://dollarwise.com/dollarwise-central/ 💸💸💸💸 ___________________________________________ ▶RESOURCES 💵💸🤑💰💲👩🏻‍💻📓✍🏻💡 1. *I'VE MOVED MY INVESTMENTS TO WEBULL* do the same and transfer to my investing app of choice here: https://www.webull.com/k/Caleb and you get: *Cash bonus of $200 - $30,000* depending on initial funding amount, up to 8.1% APY, and up to 3.5% IRA Match. 2. Checking & Savings: Get up to $500^ before payday when you sign up and set up direct deposit. No credit check. No interest*. No mandatory fees: https://clickurl.ca/caleb-mypay 3. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer 4. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 5. The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 6. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/ 7. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 8. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ___________________________________________ Chapters: 00:00 Intro ▶*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. ▶Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Speaker 00

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• 0:31Speaker 01

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• 0:59Caleb Hammer?

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

• 1:02Speaker 03

  The American dream is not a thing.

• 1:06Caleb Hammer?

  Is it? I want to leave because America's dead.

• 1:09Speaker 03

  Yes.

• 1:10Caleb Hammer?

  Grass is always greener, ladies and gentlemen.

• 1:11Speaker 03

  I'm already a micro influencer. I'll put myself in that category.

• 1:15Caleb Hammer?

  Shut the [bleep] up. These statements go through mid last month.

• 1:19Speaker 03

  [bleep]. Well, [bleep]. I've been doing my own budgeting too.

• 1:23Caleb Hammer?

  I don't trust your budget. You're not a reliable source. Look at the financial situation you got yourself in. That means nothing.

• 1:28Speaker 03

  Okay, all right, sure.

• 1:30Caleb Hammer?

  Sign up for the new and improved Dollar Wise Budgeting app. Take the free trial and if you like it, sign up for the annual version to save a ton of money and get my budget friendly cookbook signed by me and mailed directly to you. And for a limited time only, if you want to bundle all of my educational programs together with the budget app, join Dollar Wise Central and save 80%. Take the trial and learn more at dollarwise.com.

• 1:52Speaker 03

  I'm Dylan. I'm 26. I'm from Miami, Florida, and you're and you're watching Financial Audit.

• 2:00Caleb Hammer?

  Hey, you plowed through it. You kept going.

• 2:02Speaker 03

  Yeah, I got a little voice crack there.

• 2:03Caleb Hammer?

  That's what matters.

• 2:03Speaker 03

  It's not typically my style.

• 2:05Caleb Hammer?

  Absolutely. So, thanks for coming over from Miami to Austin. What do you do for a living there?

• 2:09Speaker 03

  So, I'm a social media marketing specialist at a car dealership.

• 2:13Caleb Hammer?

  At a car dealership?

• 2:15Speaker 03

  Yeah.

• 2:15Caleb Hammer?

  Okay.

• 2:16Speaker 03

  Big one.

• 2:17Caleb Hammer?

  A big one. Okay, sure. Okay, yeah, what does that make? That's um What does a car dealership's social media do? Okay, yeah. Yeah, what do you make?

• 2:27Speaker 03

  So, my salary is $54,000, um, but so I'll say net what hits my account per month is about $3,300.

• 2:34Caleb Hammer?

  Wow, quickest we ever got to that answer to even ask that. $3,300, that's wonderful. Good. Okay, is this full 40? Full 40 hours a week and everything? Full full-time job?

• 2:44Speaker 03

  Yeah, yeah.

• 2:45Caleb Hammer?

  What is social media doing at the car dealership? I, okay, I don't actually need to know the answer to that question.

• 2:49Speaker 03

  It's kind of a new thing, like, car, a lot of car dealerships don't really care about social media marketing, so it's something that the auto group and car is trying to push.

• 2:57Caleb Hammer?

  It's just daytime ads and, you know, evening news.

• 2:59Speaker 03

  Yeah.

• 3:00Caleb Hammer?

  Okay.

• 3:00Speaker 03

  Pretty much, yeah.

• 3:01Caleb Hammer?

  Well, cool. Congratulations. $3,300 in Miami. How you, how you doing with that?

• 3:05Speaker 03

  It's all right. Miami is pretty expensive. I was

• 3:09Caleb Hammer?

  You got the Miami energy.

• 3:10Speaker 03

  Uh, I don't know if it's like the shirt or whatever, the fade, but

• 3:14Caleb Hammer?

  Yeah, I just see you doing [bleep] off the flap of a [bleep].

• 3:16Speaker 03

  I don't do that. Um, I'm more of like a smoke [bleep] and have a beer type of guy. But I also lived in New York for a long time before this. I've only been in Miami for a year.

• 3:26Caleb Hammer?

  Oh, okay. Cool. Well, how you doing living there? Because, yeah, like you said, it's expensive.

• 3:30Speaker 03

  You know what? It's cool. I, I, I live by the water. I drive a drop-top. I have my fiance. Uh, we go to the beach. I have a fiance, yes.

• 3:38Caleb Hammer?

  Okay.

• 3:38Speaker 03

  Trying to get married. Yeah.

• 3:39Caleb Hammer?

  Okay, well, well done. So this will be a dual income household soon?

• 3:43Speaker 03

  Uh, it, it is. Uh,

• 3:45Caleb Hammer?

  Does she know about your finances that we're talking about today?

• 3:47Speaker 03

  She is very aware of my finances.

• 3:50Caleb Hammer?

  And her thoughts?

• 3:51Speaker 03

  I could be in a better situation. Um, and I

• 3:56Caleb Hammer?

  Well, obviously, some, everyone would think you could be in a better situation.

• 4:00Speaker 03

  I mean, sure, I'm here.

• 4:01Caleb Hammer?

  What's her thoughts on your finances getting into her life?

• 4:06Speaker 03

  Um.

• 4:08Speaker 03

  That, I mean, mostly that I need to make more money. I mean,

• 4:11Caleb Hammer?

  Is that what it is? Is that what got you here?

• 4:14Speaker 03

  Um, I mean, it's also, you know, spending over the course of like a number of years.

• 4:19Caleb Hammer?

  Why is that not what we're concerned about? Why is that not what she's concerned about?

• 4:22Speaker 03

  She's concerned about both in the sense that I need to be on top of budgeting.

• 4:26Caleb Hammer?

  Does she have insights into your spending?

• 4:28Speaker 03

  What do you mean insights? Like, do we have like a joint account?

• 4:33Caleb Hammer?

  Into your spending? Does she have any knowledge?

• 4:35Speaker 03

  Oh, for sure. Yeah, we talk about it all the time.

• 4:37Caleb Hammer?

  Okay, so now, you got there with knowledge, but the word insights really freaked you out. Okay.

• 4:42Speaker 03

  I don't know, because whenever, whenever people talk about like couples trying to get married, for some reason, they want to start talking about like joint accounts and stuff like that, and we're not there yet.

• 4:50Caleb Hammer?

  Oh, she made you apply to the show.

• 4:51Speaker 03

  Uh, she did, yeah.

• 4:54Caleb Hammer?

  Ah, okay.

• 4:55Speaker 03

  She actually put me on to the show.

• 4:57Caleb Hammer?

  That makes sense.

• 4:58Speaker 03

  Yeah, I didn't, I didn't know about you before. Uh, yeah.

• 5:01Caleb Hammer?

  When are you guys getting married?

• 5:02Speaker 03

  It's no rush. Probably two years from now.

• 5:07Caleb Hammer?

  Oh, okay.

• 5:08Speaker 03

  Yeah.

• 5:09Caleb Hammer?

  Yeah, no rush at all, it seems. That's okay.

• 5:11Speaker 03

  Yeah.

• 5:12Caleb Hammer?

  However, you guys want to do it, that's fine. Okay, so what's going on, man? What are we talking about?

• 5:16Speaker 03

  So, okay, so here's the big thing, is that we want to move out of the country. You want to move out of the country?

• 5:24Caleb Hammer?

  Why?

• 5:25Speaker 03

  And, um, I mean, a number of reasons. What, some political with like how things are going right now, but also just like, look, man, the American dream is, is, is not a thing anymore. If it ever was, it's not a thing anymore in 2025. Well, let's put it this way, if you, if you have to be-

• 5:43Caleb Hammer?

  Are you not making 54,000 hours a year in a major city in the United States?

• 5:47Speaker 03

  I mean, sure, but it's, I don't know, I, I want more. I want to live in a walkable city.

• 5:53Caleb Hammer?

  Well, I do too. You're from New York.

• 5:54Speaker 03

  Yeah, yeah, I am.

• 5:56Caleb Hammer?

  Go back.

• 5:56Speaker 03

  Yeah. Um, we want to experience living in more of the world. We traveled, uh, to Europe and Latin America.

• 6:03Caleb Hammer?

  There's two parts to this conversation. If it's, I want to live in the other part of, in other parts of the world, to experience other parts of the world, that's fine.

• 6:10Speaker 03

  That's part of it.

• 6:11Caleb Hammer?

  Or is it, I want to leave because America's dead? And then that's a different conversation.

• 6:16Speaker 03

  I mean, it's, it's a combination of both. I mean, sure, I'm, I'm doing okay with my current job, but I-

• 6:24Caleb Hammer?

  I, yeah?

• 6:25Speaker 03

  I, I want, I, I'm actually building a personal brand as an influencer. I'm taking a lot of the skills. From my day job as well.

• 6:34Caleb Hammer?

  What is your influencer dude?

• 6:36Speaker 03

  What is my influencer?

• 6:37Caleb Hammer?

  You think he came on here for influence? I think his girlfriend applied for him. Okay, or forced him to come on the show. Yeah, what the is your influencer? What is your influencer? Give me your influencer.

• 6:45Speaker 03

  All right. Okay, let's slow down. I'm already a micro influencer. I'll put myself in that category because.

• 6:51Caleb Hammer?

  I don't know what constitutes is that.

• 6:53Speaker 03

  About 3,000 followers within six months.

• 6:56Caleb Hammer?

  Okay.

• 6:57Speaker 03

  Focused in a particular niche.

• 6:59Caleb Hammer?

  The niches.

• 7:01Speaker 03

  Classic automotive.

• 7:02Caleb Hammer?

  Ah, yes. Going international for classic automotive.

• 7:07Speaker 03

  Of course, because there's a bigger market for it in Europe than there is in parts of the US where people like.

• 7:11Caleb Hammer?

  Classic automotive?

• 7:12Speaker 03

  Uh, yeah, because because Americans are buying EVs and SUVs. Like they're not.

• 7:18Caleb Hammer?

  So you're going to Europe. When you say you want to see parts of the world, you go into our closest culture.

• 7:22Speaker 03

  Uh, I'm, we can debate about that, but.

• 7:26Caleb Hammer?

  Our closest culture compared to the rest of the world?

• 7:28Speaker 03

  I mean.

• 7:28Caleb Hammer?

  You're right. Canada and Australia, sure. But then come on, Western Europe.

• 7:32Speaker 03

  Um, I mean, I'd like to explore Eastern Europe too. The point is to get to a place where I can, where I can explore more, where there's, you know, walkable cities and where I might.

• 7:43Caleb Hammer?

  I vibe with that as well.

• 7:44Speaker 03

  Raise our children. I mean, it's either that or Latin America. We've explored a bit of that too. She is Colombian. I'm Dominican. So.

• 7:50Caleb Hammer?

  Okay, but then there's like, at least Europe has like thriving economy. Even if it's flatlining, it's still thriving. You have places that are blowing up like Poland and.

• 8:02Speaker 03

  Sure. Yeah. So, so you're saying my point that there's options in Europe.

• 8:06Caleb Hammer?

  I'm not saying there's not. I'll support what you want to do. I'm trying to understand your why. Because we've had people that have come on the show that want to abandon everything, fuck up their finances to move over there for very silly reasons.

• 8:17Speaker 03

  Very silly reasons.

• 8:17Caleb Hammer?

  Reason is, oh, because I like the culture. I want the walkability. I want to settle down in a career that makes more sense there. That's fine. Well, again, a lot of people are willing to blow everything up because, you know, uh, politics in its current state are what they disagree with, where it'll probably change in four years because that's what happens every single time. And they're willing to blow up their life just for the sake of an election, which is very silly.

• 8:40Speaker 03

  Um, that is pretty silly. I mean, hell.

• 8:41Caleb Hammer?

  Is that not you? Cause you said the, you brought up the politics.

• 8:45Speaker 03

  I could add the context. I was in Paris when the election happened and we almost didn't want to come back, but we did.

• 8:51Caleb Hammer?

  Yep. Okay, Paris.

• 8:53Speaker 03

  What?

• 8:55Caleb Hammer?

  France's unemployment's

• 8:57Speaker 03

  Okay.

• 8:58Caleb Hammer?

  Their economies, like, France is not the place we would be moving if we're trying to look for a thriving place.

• 9:03Speaker 03

  You'll be looking Norway, you'll be looking Switzerland, you'll be looking Poland. I would like the Netherlands, I really love Spain, she loves the UK.

• 9:10Caleb Hammer?

  Spain is a failing country by every, that's hardly even a first world country.

• 9:14Speaker 03

  Well, I'm looking at making money online anyway.

• 9:17Caleb Hammer?

  Grass is always greener, ladies and gentlemen.

• 9:19Speaker 03

  Okay.

• 9:20Caleb Hammer?

  Well, grass is always greener.

• 9:21Speaker 03

  Sure, yeah, I mean, but it's

• 9:23Caleb Hammer?

  Remember, people move there from here because grass is greener.

• 9:25Speaker 03

  It's a great big world.

• 9:27Caleb Hammer?

  Absolutely.

• 9:27Speaker 03

  Absolutely in our twenties, who knows what could happen in life.

• 9:30Caleb Hammer?

  Uh, yeah, you're twenty-six, um, but you're talking about settling down and making kids, right? Isn't that one of the big places?

• 9:35Speaker 03

  Eventually, I mean, yeah, a few years from now.

• 9:37Caleb Hammer?

  So it's a country guys are picking, like, when are we doing this? Cause I'll support you to get to what you want to do because that's the point of the show, right?

• 9:42Speaker 03

  Yeah, of course, right?

• 9:43Caleb Hammer?

  Unless what you want to do is just completely damaging to you, then I won't do it. But, I mean, if, if you want to move there for reasons, that's just like, yeah, I want to move there. And you're not like, because you're like, oh, oh, oh, I'm scared. It's like, okay, then, like, that I'll push back against, but whatever, it's fine. Um, but this influencer thing and wanting to settle down with kids, and I don't feel like you know where you want to go because you just mentioned three very different countries.

• 10:06Speaker 03

  Um, there's definitely some time to spend exploring before deciding on exactly where we're going to settle down. I mean, we've

• 10:16Caleb Hammer?

  So what's the timeline on this? What, what am I doing here?

• 10:18Speaker 03

  Okay, that's a, that's a great question.

• 10:20Caleb Hammer?

  For money to fund this?

• 10:22Speaker 03

  Uh, there is some savings.

• 10:24Caleb Hammer?

  What visas are you looking at? Like, what, what are we doing?

• 10:28Speaker 03

  It would make sense.

• 10:29Caleb Hammer?

  There is some savings, well then, I, well, Haley, let's have a little fact check real quick. Uh, fact check, uh, hundred sixty-four dollars.

• 10:41Speaker 03

  It's, it's not, it's not just my savings, but, but also more

• 10:43Caleb Hammer?

  Okay, so the girl.

• 10:45Speaker 03

  Okay, but more importantly is

• 10:46Caleb Hammer?

  Well, he has twenty-two thousand two hundred seventy-seven dollars.

• 10:48Speaker 03

  Is that we have skills, I have skills that give me a lot of freedom to work in different places.

• 10:53Caleb Hammer?

  Okay, you've accumulated a couple thousand followers. I'm not saying that's nothing, but that's not an income replacement.

• 10:58Speaker 03

  Uh, no, but I'm on my way over there. This is, this is only my first year, not, I'm

• 11:03Caleb Hammer?

  Three thousand followers on what?

• 11:04Speaker 03

  On Instagram.

• 11:06Caleb Hammer?

  Right. Okay, so.

• 11:07Speaker 03

  I can start doing TikTok. I can expand into this.

• 11:09Caleb Hammer?

  I was gonna say like.

• 11:10Speaker 03

  Start doing affiliate marketing.

• 11:12Caleb Hammer?

  Cause that's what it would have to be on Instagram, because Instagram doesn't pay dick and TikTok barely pays dick, but at least they pay dick.

• 11:17Speaker 03

  Okay, but I'm at least, I'm at least aware of, of options. There's a whole lot of, there's a whole economy.

• 11:22Caleb Hammer?

  What's the affiliate marketing you're doing in the world of cars? Because I know a car creator. They have well over a million followers on YouTube, get hundreds of thousands of views. I don't think it makes the money. I think it does. And they get all the top automotive affiliates.

• 11:36Speaker 03

  Okay, I mean, yeah, there's, there's a lot of options though. I mean, yeah, there's classic car dealers that have affiliate programs. There are.

• 11:44Caleb Hammer?

  Classic car dealers. So you're banking on like one a year?

• 11:46Speaker 03

  Uh, no, no, because I'm already in the industry of car sales. I'm, I'm expanding my skills to work for myself.

• 11:54Caleb Hammer?

  In the industry, buddy, you're marketing.

• 11:56Speaker 03

  Yeah.

• 11:57Caleb Hammer?

  I'm sorry, you're, you're not a car salesman.

• 12:00Speaker 03

  Bro, in 2025, people do not come into car dealerships without, people don't know where car dealerships are unless they see them on social media, buddy.

• 12:11Caleb Hammer?

  What are you talking about? I'm pretty sure they just use Google Maps or Apple Maps and just search cars.

• 12:16Speaker 03

  But then you need to look at, okay, the, the modern car buyer is very educated and looks at their different options, shops around.

• 12:25Caleb Hammer?

  Based on the cars I've seen people have on the show, I would disagree, but.

• 12:28Speaker 03

  I'm, well, I mean.

• 12:29Caleb Hammer?

  Continue, continue.

• 12:29Speaker 03

  People aren't exactly educated always on their financial situation when buying a car because people sign up for.

• 12:35Caleb Hammer?

  So you're educated on what they goon to?

• 12:37Speaker 03

  Yeah, I'm, I'm, I'm educated on the scam of auto loans.

• 12:43Caleb Hammer?

  No, you're saying the consumer's educated on like the car they want to, and just like, oh yeah, that shit's delicious.

• 12:48Speaker 03

  Consumers are educated on, on what they want in terms of the product.

• 12:52Caleb Hammer?

  Sure. They see a nice car on TikTok. You're saying that's them educated. I got you. Okay.

• 12:56Speaker 03

  But it's also not just that. It's also that I'm working in the classic car community. I've, I've, I've expanded.

• 13:02Caleb Hammer?

  Your major dealerships, all classic cars?

• 13:04Speaker 03

  No, no, no, no, no, no, no, no, no, no, no, no, no, no. The classic car thing is just me. This is something that I do. This is my influence that I've been building on my own. And, and in doing so.

• 13:15Caleb Hammer?

  Let's vet it. Show me the Instagram.

• 13:17Speaker 03

  Well, it's bet. You wanna see it? Right now?

• 13:19Caleb Hammer?

  Yes.

• 13:20Speaker 03

  Okay.

• 13:20Caleb Hammer?

  We're gonna blur the names because I do not allow people to plug things, but I will screen record it.

• 13:24Speaker 03

  Should totally plug it though.

• 13:26Caleb Hammer?

  Nope. You know the rules.

• 13:28Speaker 03

  It'd be a great opportunity for everybody, maybe in the post show.

• 13:31Caleb Hammer?

  Sounds like only you.

• 13:34Speaker 03

  Alright, yeah, well, I'm at 25, but here you go. Let's take a look at it. Let me know what you think.

• 13:41Speaker 03

  I meet with classic car owners.

• 13:43Caleb Hammer?

  Yeah, well, it doesn't even have his picture, so that helps.

• 13:47Speaker 03

  Meet the owners, help them find buyers through my platform, people that follow me, you know, particularly, but why are you?

• 13:54Caleb Hammer?

  Is that you in this first picture?

• 13:55Speaker 03

  Why are you looking at me so hard? Yeah, that's me.

• 13:56Caleb Hammer?

  Okay, because in that, you look like right now.

• 14:00Speaker 03

  I needed a haircut in that, uh, in that video, yeah.

• 14:04Caleb Hammer?

  Hey, let's see, he'll get like a thousand, five hundred, four hundred.

• 14:08Speaker 03

  Yeah, I mean, we're just getting started. Um, I, I, I'm, I'm getting a decent amount of engagement.

• 14:17Caleb Hammer?

  Okay.

• 14:17Speaker 03

  Okay, look, I'm on my way to 3,000.

• 14:19Caleb Hammer?

  Yeah, it was a very roundup by, hold on.

• 14:23Speaker 03

  Sure, go ahead.

• 14:27Caleb Hammer?

  He, he rounded up approximately 20%.

• 14:30Speaker 03

  Okay, yeah, if you want to take a deep dive into my professional dashboard, I'll, I'll be at 3,000 before the end of the month. That's just my average growth rate.

• 14:37Caleb Hammer?

  Okay, I hope so. Like, I'm not discouraging you, is this?

• 14:41Speaker 03

  What?

• 14:41Caleb Hammer?

  Is this not an iPhone?

• 14:42Speaker 03

  It is an iPhone.

• 14:43Caleb Hammer?

  What the [bleep] is the blind?

• 14:44Speaker 03

  I just have a case on it.

• 14:45Caleb Hammer?

  Where's the blind?

• 14:46Speaker 03

  The blind fell off the case. Yeah, so that's, that's one thing. I haven't bought a new case, but I don't really need one. It works for me. Why would I buy a new case?

• 14:54Caleb Hammer?

  Cause I can't [bleep] lock your phone right now.

• 14:56Speaker 03

  Well, it's my phone.

• 14:57Caleb Hammer?

  Okay.

• 14:59Speaker 03

  But anyway, yeah, so I've been working in videography photography for some, for some time now, and the bigger

• 15:08Speaker 03

  scheme would be to help find homes for classic cars because people sell them, people buy them, if I can help sellers.

• 15:19Caleb Hammer?

  I just don't know if I can say this is good or bad. I just don't know the community. I'm sure it's a very niche thing.

• 15:24Speaker 03

  Yeah, it is.

• 15:25Caleb Hammer?

  But it's just like, this is what you're banking on? And it's hard. Well, we're sitting at $22,000 a day and you're like, we have, I have savings to get there. It's a fiance's savings.

• 15:35Speaker 03

  Where we work as a team.

• 15:36Caleb Hammer?

  Yes. How much in savings does she have? And then I'll deduct 20% from it.

• 15:42Speaker 03

  Eight thousand?

• 15:43Caleb Hammer?

  Okay, so it's probably closer to seven. Gotcha.

• 15:46Speaker 03

  Okay. All right. Yeah, sure.

• 15:48Caleb Hammer?

  And that's more important than paying off the $22,000 debt, which is all bad debt, by the way, not good debt.

• 15:53Speaker 03

  It is.

• 15:54Caleb Hammer?

  They are all credit cards.

• 15:55Speaker 03

  It is all bad debt. Could be worse, but it is all bad.

• 15:59Caleb Hammer?

  Sure, it could be worse. Why the does that matter? Who gives a?

• 16:04Speaker 03

  Okay, man. Because it could be worse.

• 16:06Caleb Hammer?

  Or you're just getting, or you're just trying to flee your debt? Are you trying to flee your financial situation? Trying to flee flee that you just haven't found the life you want to live here? I'm just, I'm confused. I vibe with the walkable community thing such as yourself.

• 16:17Speaker 03

  Yeah, right. Who doesn't? I mean, clearly.

• 16:20Caleb Hammer?

  A lot of people don't.

• 16:21Speaker 03

  Paying off the debt is a lot more important and that could be, you know, that could push back the plans.

• 16:25Caleb Hammer?

  I'm being told you told Colton that your lease ends in five months and that's when you told me, that's when you told him you wanted to move. Five months?

• 16:32Speaker 03

  I.

• 16:33Caleb Hammer?

  Remember the savings is probably $7,000. That doesn't even come close to paying off half of this debt.

• 16:38Speaker 03

  I just have to be more aggressive with paying off the debt. That means more aggressive on budgeting.

• 16:43Caleb Hammer?

  In five months, when our savings can pay off a third.

• 16:49Caleb Hammer?

  Make this make sense. It's not making sense.

• 16:53Speaker 03

  Well, but like, like I told you, what she's been saying is that I had to make more money. So.

• 16:57Caleb Hammer?

  Okay, five months, you don't know where you're gonna move. You don't know the visa process and financially, how are you gonna do it? Please explain to me what the your plan was, because right now there isn't one as far as I can see.

• 17:07Speaker 03

  Right now, there's still a whole lot of planning and research to do.

• 17:11Caleb Hammer?

  Five months for international move?

• 17:13Speaker 03

  Yeah.

• 17:13Caleb Hammer?

  Visa?

• 17:14Speaker 03

  Yeah. Okay. I mean, we're looking at going back, we're looking at going back to school, you know, having a student visa creates a lot of options.

• 17:22Caleb Hammer?

  Yeah.

• 17:23Speaker 03

  Yeah.

• 17:24Caleb Hammer?

  Okay, what are you gonna go to school for? I feel like we'll lose our income in paying bills for that?

• 17:30Speaker 03

  Well, school can be a lot more affordable overseas than it is in the US.

• 17:33Caleb Hammer?

  Yes.

• 17:34Speaker 03

  It's also why I'm drinking a drink instead.

• 17:35Caleb Hammer?

  Just a fun fact for you, if something costs a dollar and you make zero, that's still unaffordable. If you're going to school, you're probably not making money. Yes, if you go to school, you're not making money.

• 17:45Speaker 03

  Um, no, because I'm trying to build a vehicle of passive income.

• 17:51Caleb Hammer?

  Sorry, guys, I forgot about his 2,500 followers.

• 17:53Speaker 03

  Just getting started.

• 17:54Caleb Hammer?

  I don't mean to but your anticipation of being able to go make this work in five months with 2500 followers right now is not a logical thing.

• 18:03Speaker 03

  I mean, even if that doesn't work out, I still have skills that can that can get me work

• 18:10Speaker 03

  virtually anywhere right now.

• 18:11Caleb Hammer?

  Okay, pick the country and we'll use that for our conversation. What's the top country we're choosing right now?

• 18:16Speaker 03

  Mexico.

• 18:18Speaker 03

  She wants to move to Mexico City before

• 18:20Caleb Hammer?

  You know

• 18:21Speaker 03

  the possibility of moving to Europe.

• 18:23Caleb Hammer?

  You know, everyone in Mexico City is dramatically protesting that.

• 18:27Speaker 03

  Protesting what?

• 18:28Caleb Hammer?

  Every American moving there. Cause it's just like you. You're doing the nomad, the, the, the, the, uh, what's it called? I don't remember, but you're doing the make the money virtual and price out everyone there. Now, I don't, I think people should live where, oh, yeah, I don't know.

• 18:44Speaker 03

  Not everyone should, should live

• 18:47Caleb Hammer?

  I mean, if you can, if they allow it, if the country allows it.

• 18:50Speaker 03

  People would try or they can, sure, but that's, that's not what I'm advocating for either here.

• 18:55Caleb Hammer?

  But you're doing in there, right now it's very toxic there. They are protesting every American moving there. Well, very interesting compared to like 25 years ago.

• 19:02Speaker 03

  Okay, sure. I mean, it's not my first choice. She wants to, she wants to move to Mexico City.

• 19:06Caleb Hammer?

  Pick a place and you already see the big flaw with it.

• 19:08Speaker 03

  Okay, I mean, shit, we need to work around it. At least we're Latin Americans and we're willing to adapt and appreciate the culture of Mexico and we can live very simply.

• 19:19Caleb Hammer?

  The thing is, the big argument is they're bringing in very high incomes to the area right now because Mexico is not a high income.

• 19:24Speaker 03

  It's a problem.

• 19:25Caleb Hammer?

  Well, in Houston, gentrification actually leads to overall positive results for pretty much everyone.

• 19:30Speaker 03

  It could, yeah, but I, I, I recognize the problem in like price gouging in the real estate market and how that affects the overall local economy.

• 19:38Caleb Hammer?

  Aren't earning, for those who don't, for those who are on the lower income scale in a community, when an area gets better, prices go up and if they didn't have ownership opportunities, they get pushed out. That is the downside of gentrification.

• 19:51Speaker 03

  That is the downside, yes.

• 19:52Caleb Hammer?

  There's a bad downside to gentrification, but there's a lot of upside that comes with it that unfortunately people aren't willing to talk about in a nuanced conversation.

• 19:58Speaker 03

  Yeah.

• 19:58Caleb Hammer?

  Like safety, better restaurants, better food, better everything.

• 20:01Speaker 03

  I don't want to be a part of like taking people out of their homes, especially for their childhood homes. Okay, I mean, there has to be some way around it. Is there no way that I can find property in Mexico? That-

• 20:14Caleb Hammer?

  So you're gonna buy property?

• 20:18Caleb Hammer?

  You're gonna colonize. I'm just using the same logic they use.

• 20:21Speaker 03

  Colonize, man.

• 20:22Caleb Hammer?

  Come on, this is the same shit they say online.

• 20:24Speaker 03

  This is what, this is what people say. Um, damn. Okay, yeah, I wasn't thinking of it that, that way. But, I don't know, I-

• 20:31Caleb Hammer?

  You were born in New York?

• 20:32Speaker 03

  Uh, I was actually born in Florida. I lived, I lived in New York for over three years.

• 20:35Caleb Hammer?

  You were born in the United States?

• 20:36Speaker 03

  Yeah. Yeah, I was born in the US.

• 20:38Caleb Hammer?

  They will call you a colonizer.

• 20:39Speaker 03

  Uh, unfortunately. Um, I mean, what, what'd they, what'd they call me, a colonizer in Spain too, you think?

• 20:44Caleb Hammer?

  If you buy a property.

• 20:45Speaker 03

  So then what's the difference? I mean, hell, they're, they're trying-

• 20:47Caleb Hammer?

  Buddy, I'm not saying this-

• 20:48Speaker 03

  They're trying to sell homes in Italy.

• 20:50Caleb Hammer?

  I'm not saying this, I'm pushing back against what you guys are gonna try to do.

• 20:53Speaker 03

  Okay, well, it's, it's not gonna stop us, man.

• 20:58Speaker 03

  So, uh-

• 21:00Caleb Hammer?

  Good, then we'll plan for that.

• 21:02Speaker 03

  It's what we gotta do.

• 21:03Caleb Hammer?

  So Mexico. That's easier, more affordable, you need to make a lot less money than you would in Europe.

• 21:08Speaker 03

  For sure. It's closer, that's kind of the main thing, it'd be easier for a family to visit us. Especially with them being in Florida. Flights are pretty inexpensive to get to Mexico and fast.

• 21:18Caleb Hammer?

  I'm also told you tried to be a podcaster and YouTuber in the past, but it, uh, did not work.

• 21:23Speaker 03

  Um, I, yeah, I did YouTube and podcast for, man, better part of a year. Um, and I, my problem at that time was that I, I wasn't properly niching down, I didn't exactly find precisely what my community was. Um, and that's why I'm so focused now.

• 21:43Speaker 04

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• 22:08Speaker 03

  I went automotive, because I feel like I have found a niche in a community that is adopting me pretty quickly. And I have a lot of connections in the industry now as well. Um, yeah, yeah, I've been seeing a whole lot of opportunity in it. So I'm just, I'm just following that thread.

• 22:27Caleb Hammer?

  Okey dokey. Before we get into these finances real quick.

• 22:31Speaker 03

  Yeah.

• 22:32Caleb Hammer?

  Colden just typed to me, you're hiding purchases from your fiance. You come in talking about how, okay, my fiance, she has some savings. That's how we can kind of do this, even though it's again, just like a third of your debt, you wouldn't be able to wipe out your debt before you guys do the move, but you're hiding purchases from her, like actively hiding.

• 22:50Speaker 03

  That is a bad habit I had.

• 22:52Caleb Hammer?

  Habit?

• 22:53Speaker 03

  Yeah, yeah, yeah.

• 22:54Caleb Hammer?

  Would cheating be considered a bad habit?

• 22:56Speaker 03

  Um, I mean, what was happening was mostly the purchases was that I was, I was eating out a lot. Um, it was mostly like fast food, deli runs, that type of thing. Um, and she, we, we were both very focused on trying to budget more because we have all these different goals with like wanting to move, wanting to, wanting to travel. Um, we've shared those goals with each other a lot. And I let, I don't know if you want to call it like cravings or my inner child or whatever, like.

• 23:31Caleb Hammer?

  What the f*** is that?

• 23:33Speaker 03

  What's, bro, I'm just, I'm trying to explain what was going through my mind is that I, I, I was eating out, out a lot. I knew she wouldn't approve it. I was afraid of how she would react. And so I just didn't tell her about it. Eventually, of course, she found out. She was very, very upset, not even because of how I was spending the money, but because.

• 23:54Caleb Hammer?

  What went down?

• 23:55Speaker 03

  But because.

• 23:56Caleb Hammer?

  What happened? What went down?

• 23:57Speaker 03

  Uh, I was, I went to sleep early one night, um, because I had to, I had to work early the next morning. Um, and prior to that, she had been asking me too. It's like, have you spent, have you, uh, have you gone out to eat? Or like, have you spent money on food this week? And I said, no. And she woke me up at like 3am, asking me again, like, did you spend money on food this week?

• 24:24Caleb Hammer?

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• 25:09Caleb Hammer?

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• 25:30Speaker 03

  Why did I lie?

• 25:31Caleb Hammer?

  This is not indicative of a good relationship going forward, especially if we're about to abandon our entire lives to move somewhere. How long have you guys been together?

• 25:40Speaker 03

  We're coming up on four years.

• 25:42Caleb Hammer?

  So why the [bleep] did you lie?

• 25:44Speaker 03

  Why else do people lie, other than shame?

• 25:47Caleb Hammer?

  And then how'd that conversation go when she woke you up?

• 25:50Speaker 03

  She was pissed off. I, of course, was tired and then just feeling [bleep] about the whole situation. And...

• 26:00Caleb Hammer?

  And since then?

• 26:01Speaker 03

  Since then, I have been honest with her whenever I do spend money, especially on food or anything that I know that would just bother her about dumb ways.

• 26:10Caleb Hammer?

  You never once?

• 26:11Speaker 03

  Never once spent money and didn't tell her.

• 26:15Caleb Hammer?

  Well, it's not about telling everything, more the hide.

• 26:17Speaker 03

  Hide? No, man, I'm not gonna lie, or rather, not gonna hide or lie. Yeah, what I was doing, I would go get fast food, eat in my car, and throw away the trash and receipts so she wouldn't find it. I don't go about things like that anymore. If she asks me, I'll tell her. Sometimes I'll tell her anyway, even if she doesn't ask me, because I know she wants to know. And I've also just been making better habits of not eating out, actually cooking more meals at home, especially lunch and breakfast going to work. I still do sometimes. Um, you know, it's not perfect, but what's more important is that I'm honest with her because it's important to our relationship as well as finances and health.

• 27:01Caleb Hammer?

  Going out to eat was almost 300 bucks.

• 27:04Speaker 03

  That's, yeah, man, it was bad at one point. I

• 27:06Caleb Hammer?

  That is bad.

• 27:07Speaker 03

  Yeah, it, yeah, it's, that's what I'm saying.

• 27:09Caleb Hammer?

  No, you said you got better.

• 27:11Speaker 03

  I've, I've recently gotten better.

• 27:12Caleb Hammer?

  Oh, a week before he came on the show where his finances

• 27:14Speaker 03

  And the last month, because you, you have my statements from August. It's, we're in the middle of September or about, we're

• 27:20Caleb Hammer?

  Oh, come on, right before coming on the show. That's always the most BS excuse there possibly ever is.

• 27:25Speaker 03

  I mean, even then, I was still, I was still packing lunches. I've just gotten better at it. I've even been intermittent fasting lately, just that way I'm not like going out for breakfast or like buying coffees.

• 27:36Caleb Hammer?

  I mean, I also have other large purchases of $1,837. I don't know what that's gonna do, but that's such a substantial part of your budget. That's what he's bullshitting alone about $500. It could be video games. It could be, who knows?

• 27:47Speaker 03

  Um, there's definitely some bullshit in there. Um, so yeah, there's a number of things.

• 27:52Caleb Hammer?

  Why, why?

• 27:53Speaker 03

  Why? I mean, these are lifestyle choices and habits. What, what are we cutting back on?

• 27:57Caleb Hammer?

  I thought the lifestyle choice was to get overseas, though.

• 28:00Speaker 03

  That is, that is the, the big picture. Um, yeah, I mean, if, if we're going to do that within that timeframe, that means cutting back on a lot of things. That means even more strict budget.

• 28:08Caleb Hammer?

  I don't think you can. I'll be honest.

• 28:09Speaker 03

  You don't think there's any possible way?

• 28:11Caleb Hammer?

  You have 22,000 hours of debt. How can you?

• 28:14Speaker 03

  I, I

• 28:15Caleb Hammer?

  Your job, will your social media job follow you there?

• 28:17Speaker 03

  It can.

• 28:21Caleb Hammer?

  You don't have an answer on that.

• 28:23Speaker 03

  I, no, I don't, I don't think I need one. I've been able to find work pretty quickly doing what I do.

• 28:28Caleb Hammer?

  In Mexico, you won't be making American dollars in Mexico. I thought that's what you were attempting to do is to keep American income in Mexico.

• 28:34Speaker 03

  That's why I'm building my own brand.

• 28:36Caleb Hammer?

  About 2,500 followers. I'm sorry.

• 28:38Speaker 03

  Okay, but that's, that's still real, really early developmental stage.

• 28:42Caleb Hammer?

  Exactly, but you're moving in five months.

• 28:45Speaker 03

  Okay, well.

• 28:47Caleb Hammer?

  What's your follower per, how many months has it been? Since you started?

• 28:51Speaker 03

  It's been six months.

• 28:52Caleb Hammer?

  I don't do, I just had an itch in my nose. Six months?

• 28:55Speaker 03

  It's been six months. And the engagement rate and follow rate has gone up since starting, more so in the last two to three months.

• 29:04Caleb Hammer?

  Okay, so let's call it three months then.

• 29:06Speaker 03

  Okay.

• 29:07Caleb Hammer?

  Twenty-five-hundred divided by three, good. So eight-hundred-and-thirty-three on average are twenty-five-hundred, uh, plus eight-three-three, plus eight-three-three, plus eight-three-three, great. Oh, wait, plus eight-three-three, plus eight-three-three, good. It'll be at six-thousand-five-hundred.

• 29:21Speaker 03

  That's enough to at least qualify for a brand deal. That's enough to gain trust.

• 29:25Caleb Hammer?

  Dude, your brand deals are gonna be like twenty-five bucks, though. I don't think you know. I'm in this world. I'm in this world.

• 29:30Speaker 03

  I mean, yeah, you're in it. Yeah, and I respect it.

• 29:33Caleb Hammer?

  And I'm also in a world where brand deals pay higher because this is money.

• 29:36Speaker 03

  Of course, yeah.

• 29:37Caleb Hammer?

  Automotive is actually pretty good, uh, for what it's worth.

• 29:39Speaker 03

  Automotive is pretty good.

• 29:40Caleb Hammer?

  Pretty good, but not as good. And I still know, um, one, it's gonna be based on view counts more than followers. And I just saw your views. I mean, we're looking at like a thousand or two thousand per reel. Those are very low-quality views because it's short-form content.

• 29:53Speaker 03

  I'm starting, right now, I'm working with just over thirty thousand.

• 29:57Caleb Hammer?

  You're not gonna get brand deals. You're gonna be on an affiliate basis.

• 30:00Speaker 03

  That's also, yeah, I mean, there's various.

• 30:02Caleb Hammer?

  No one's gonna give you flat rates. You are gonna be on affiliates.

• 30:05Speaker 03

  I can do both.

• 30:06Caleb Hammer?

  No, no one's gonna give you flat rate at those numbers. You are gonna be affiliate, meaning you get a commission on what you sell.

• 30:11Speaker 05

  Do, or do not. There is no try.

• 30:15Caleb Hammer?

  Well, of course, you're gonna try. I'm not talking about what you're trying or not trying. I'm talking about what's gonna work in five months. This is an unrealistic plan by every means.

• 30:25Speaker 03

  I mean, I have to consider various options. I mean, right now, I'm even looking, getting a second job, just that way I can bring in more income.

• 30:33Caleb Hammer?

  No, I'm talking about in five months.

• 30:35Speaker 03

  Okay, but if I can save more money within that, within those five months, so that way I can grow savings as well as pay off the debt.

• 30:49Speaker 03

  I have to look at some type of option. You're looking at me like I'm crazy.

• 30:53Caleb Hammer?

  Yes, because, listen, you can make a little progress on this in five months, but this does not, this does not answer how the [bleep] you're gonna live there.

• 31:04Speaker 03

  I mean.

• 31:08Speaker 03

  I don't know, there has to be every business in 2025.

• 31:12Caleb Hammer?

  Dude, this is kinda crazy. This is beyond higher than I thought. Beyond higher. Individual aiming for comfortable lifestyle in Mexico City, including entertainment, travel, decent housing there. United States dollar, 60 to 85,000 hours a year.

• 31:30Speaker 03

  Okay, that's.

• 31:31Caleb Hammer?

  Five to 7,000 hours a month. That's if you keep your current job. Well, you actually, oh yeah, that's if you keep your current job there, but you don't know if you can.

• 31:39Speaker 03

  It doesn't matter because the skills I have, there is demand for it. Every business in 2025 needs marketing. If you're not marketing or social media, you're going to be lacking.

• 31:49Caleb Hammer?

  This is very much service consumer driven economy. I'm not saying Mexico doesn't have one, but America's the top of the world when it comes to that. We'll go into debt for anything. Yeah, marketing, social media managers more prevalent here than, I mean, you got South Korea and Japan, sure. But come on, we're talking a lower income, middle income country.

• 32:07Speaker 03

  That's assuming that I have to get a job, like I have to get like a, you know, 1099 working for another company in Mexico.

• 32:16Caleb Hammer?

  Maybe. Have you looked at the visa and work permit processes?

• 32:19Speaker 03

  I mean, before this, I was doing freelance.

• 32:21Caleb Hammer?

  Have you looked at the visa work permit processes? You don't even know what you can do.

• 32:25Speaker 03

  For Mexico, I have not.

• 32:26Caleb Hammer?

  What the fuck are you doing then? USD, the median wage there, by the way, on a monthly basis is 14 to 1500 dollars a month. So if you don't take your American job, get the fuck luck.

• 32:37Speaker 03

  Okay, I mean, Mexico was one option.

• 32:40Caleb Hammer?

  You said that is your option, your top option that she highly wants to do.

• 32:44Speaker 03

  This is what she wants to do right now.

• 32:46Caleb Hammer?

  It's the second best option.

• 32:47Speaker 03

  Second best option would be

• 32:51Speaker 03

  the UK.

• 32:52Caleb Hammer?

  Oh, out of all European countries, why'd you have to pick the literal fastest declining? Come on dude, it's done. The UK's done. Pick another one. I'm not even gonna allow that as an answer. Just because it's easier to talk there. Okay, Spain, at least they're already done. They're not going down. Like, UK is in the collapse world. Spain, yeah. Um, if you're making a higher income, sure, you can go live there. If you keep your higher income, you can live a great life in Spain. It's not an overall great economic situation in Spain in general. If you're gonna be going and just working in the economy, though.

• 33:23Speaker 03

  Like I said.

• 33:24Caleb Hammer?

  Really wish you picked one of the more northern European countries that are slightly like Poland or Germany.

• 33:30Speaker 03

  I would love to live in the Netherlands.

• 33:32Caleb Hammer?

  There you go, Netherlands is fine. But even still, I don't, I don't think you know your, your, your options in terms of visa processes and whatnot.

• 33:38Speaker 03

  I should look a whole lot more.

• 33:40Caleb Hammer?

  Uh, if you wanna do a big international move in five months, I would say, yeah, you probably should look a little bit more.

• 33:48Speaker 03

  Yeah, um, I, look, I'm moving a lot more with our experience that we traveled a lot into these countries. We spent over a month in Europe last year. That's our perspective as far as where we want to be, how we want to live.

• 34:07Speaker 03

  Do need to look a lot more into the practical logistical stuff.

• 34:10Caleb Hammer?

  Uh huh.

• 34:11Speaker 03

  Uh huh.

• 34:11Caleb Hammer?

  Honestly, buddy, this sounds like you're just relying on your fiance to me. She has the savings, you have the debt, she's choosing where to go. It sounds like you're just along for the ride and you're relying on her.

• 34:21Speaker 03

  I will say that she's the one that's more financially responsible.

• 34:25Caleb Hammer?

  That's why she's a fan of the show and she got you to apply, right?

• 34:27Speaker 03

  Um, yeah, yeah. Uh, maybe that's why she's also not here, but also she's traveling, so.

• 34:31Caleb Hammer?

  By the way, failure rate for those who move to Spain, seventy-five, seventy-three percent come back. Just gonna throw that out there.

• 34:38Speaker 03

  That's, that's the rate of people that move to Spain and come back to the US. Huh. Good to know. It's not impossible.

• 34:45Caleb Hammer?

  Yep. Leading cause of failure for all expats are often related to lack of preparation. While you're doing this in five months and not prepared in any way whatsoever, yes. And an inability to adapt to new circumstances, Germany, Italy, France, Austria.

• 34:57Speaker 03

  Oh, cool. Yeah, yeah.

• 34:58Caleb Hammer?

  Yeah, very cool.

• 34:58Speaker 03

  I might be the coolest guy you've ever met. I, I, I need, I need to explore Eastern Europe a bit more. She's in Germany right now.

• 35:07Speaker 03

  Yeah.

• 35:07Caleb Hammer?

  Okay, cool. Well, I guess that was a good way to deflect everything I just said.

• 35:11Speaker 03

  No, I, I, I had no idea that you actually even like been to that side of the world.

• 35:16Caleb Hammer?

  Yes, I love walkability. Again, I wouldn't go to start a career in life in many places there. In many places I would.

• 35:23Speaker 03

  What do you give an example?

• 35:24Caleb Hammer?

  Switzerland.

• 35:25Speaker 03

  Switzerland?

• 35:26Caleb Hammer?

  Norway.

• 35:27Speaker 03

  Yeah.

• 35:27Caleb Hammer?

  Poland.

• 35:29Speaker 03

  Yeah. Yeah. Norway seems cool.

• 35:32Caleb Hammer?

  But I'm set up in a way where I probably could. That's not me jerking off. That's I've set myself up. You're hoping that your 2,500 followers turns into $5 affiliate deals in five months.

• 35:43Speaker 03

  $5 affiliate deals.

• 35:45Caleb Hammer?

  Dude, I don't, you are dramatically overestimating. Ladies and gentlemen of Financial Audit, this is one of the most exciting moments in this channel's history. You know, I've been working on building all these educational tools, our budgeting app, all this crazy stuff over this past year. Cause that is where my passion is. We finally did it and now we put it all into one program called Dollar Wise Central. You get the premium version of my budgeting app. You get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner stuff and finance all the way to the advanced stuff. Collaborated by experts with the lowest refund rate in the industry for a reason.

• 36:26Caleb Hammer?

  And guess what? If you are struggling or you want to learn more, or you want to change your life in any way whatsoever, like literal tens of thousands of people have done with our programs, go to dollarwise.com. Click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no brainer. Dollarwise.com. Let's go. Hey, I don't, hey, okay, pause.

• 36:53Speaker 03

  Yeah.

• 36:53Caleb Hammer?

  Pause.

• 36:54Speaker 03

  Sure.

• 36:54Caleb Hammer?

  Pause.

• 36:54Speaker 03

  What?

• 36:55Caleb Hammer?

  Pause.

• 36:55Speaker 03

  What?

• 36:56Caleb Hammer?

  Bring in a chair. Brandon, come over here. Guess what? He's the head of brand partnerships at Hammer Media. He negotiates just on a daily basis. We're in the top 10 podcasts on all of YouTube.

• 37:06Speaker 03

  Okay, this is great insight.

• 37:07Caleb Hammer?

  We're in the top 10 podcasts of all the internet and he'll tell you.

• 37:10Speaker 03

  Okay.

• 37:10Caleb Hammer?

  How difficult it can be.

• 37:12Speaker 03

  Okay.

• 37:12Caleb Hammer?

  All right. All you guys know him. You'll love him. He's the translator. He's the degenerate. He's the brand deals manager. He's the post show sitter. He's the fat and fatter Brandon. He's here. Okay. So he actually does this stuff.

• 37:27Speaker 03

  Yeah.

• 37:27Caleb Hammer?

  On a daily basis.

• 37:27Speaker 03

  Okay, yeah.

• 37:28Caleb Hammer?

  Real conversation on this. Okay.

• 37:30Speaker 03

  Let's talk about it.

• 37:30Caleb Hammer?

  2,500 out, 2,500 followers. He might get up to 6,505 months on his growth rate.

• 37:36Caleb Hammer?

  Brand deals making a living off of that. Thoughts?

• 37:40Speaker 03

  Uh, so we work with a ton of companies. Sure. Number seven podcast on YouTube. Yeah. The rankings just came out now that we're officially on the podcast.

• 37:47Caleb Hammer?

  From four to seven. We'll go back up. Didn't have the best episodes.

• 37:52Speaker 03

  Regardless, one of the biggest podcasts truly in the country. Yeah. Definitely on the platform. Yeah, it's great. Um, there are companies that I talk to on a daily basis and we are very analytical with the things that we actually put in our media kit. Of course. Of past partnerships, numbers, data. We're very data driven. Yeah.

• 38:10Caleb Hammer?

  Look at me. I got glasses.

• 38:11Speaker 03

  Okay. Very data driven. Um, there are companies that still will not touch us just because they don't see the vision in it. Okay, sure. And the size is massive and we have all the data and the numbers. So when you talk about 2,500 followers. Yeah.

• 38:27Caleb Hammer?

  With a thousand, two thousand reels of you.

• 38:30Speaker 03

  Yes.

• 38:30Caleb Hammer?

  Reels.

• 38:31Speaker 03

  What do you say that's because of your numbers or because of your niche and audience base?

• 38:37Caleb Hammer?

  Uh, less on that. Um, to me, I mean, it's always the hope of a return on investment from a brand deal.

• 38:44Speaker 03

  Of course. Yeah. Okay. Yeah. That's exactly what it, that's exactly what it's about. Their goal is to, at the minimum break even. Okay. Of course, you can exceed their expectations and make them a ton of money. We have partners that we have made a ton of money. Yeah. Um, when you're getting a thousand views per reel, let's say that you even put something small on there or even your story. What's like an average story view for you? Average sto- uh, what like? Like you post something on your Instagram story.

• 39:09Caleb Hammer?

  Story guy.

• 39:11Speaker 03

  Social media guy. Come on. Story views. Um, my stories, I'm getting like 50 views. Okay. Yeah. Still pretty low right now. Most companies are going to have you do like a three story click on your Instagram story. They're gonna have you do some sort of TikTok integration, some sort of YouTube integration. Your YouTube's not big enough. I don't think your TikTok's big enough.

• 39:28Caleb Hammer?

  I don't think he has them.

• 39:29Speaker 03

  I, I actually haven't been focusing on that yet.

• 39:33Caleb Hammer?

  Those are the ones that make money, by the way. Just gonna throw that out.

• 39:35Speaker 03

  YouTube, I mean, yeah, I, I, when I started doing like any type of content creation, I started with YouTube. I, like I said, I did that for about a year. Um, and yeah.

• 39:44Caleb Hammer?

  So he might get affiliates, the affiliates that everyone can sign up for.

• 39:48Speaker 03

  Yes, these aren't ground changing, earth shattering affiliates. These are just anybody can sign up for this.

• 39:54Caleb Hammer?

  Okay.

• 39:54Speaker 03

  And you'd be lucky to get, you know, five, 10, maybe 15 bucks out of an affiliate deal. But if you're getting 50 views on your story per average.

• 40:02Caleb Hammer?

  I think he's on his way to make about 50 to a hundred dollars a month.

• 40:05Speaker 03

  If you're lucky, that, that really, and that's.

• 40:07Caleb Hammer?

  I think that's your income is 50 to a hundred dollars a month.

• 40:09Speaker 03

  See, my problem is that I did freelance videography for about five years. And my, I was able to make income by offering my services to local businesses as well.

• 40:22Caleb Hammer?

  Well, sure. Yeah. Great. Good grind.

• 40:24Speaker 03

  They're willing to pay more.

• 40:25Caleb Hammer?

  But remember it's going to pay dramatically less in Mexico.

• 40:28Speaker 03

  Okay, sure. So then I need to have more clients as well as I need to keep on expanding.

• 40:32Caleb Hammer?

  Sure. I guess you can work 24 hours a day, seven days would be 365 days a year.

• 40:37Speaker 03

  You gotta hustle.

• 40:37Caleb Hammer?

  Try to make up for it. Yes, but it's still not going to equate to the same amount, especially in this expensive city like Mexico City.

• 40:45Speaker 03

  I don't know, man. I'm not taking this discouragement right now.

• 40:47Caleb Hammer?

  No, we're not here to discourage you. We're here to real world because you're about to blow up your life in five months.

• 40:53Speaker 03

  I will tell you something.

• 40:54Caleb Hammer?

  Sure.

• 40:54Speaker 03

  There's a creator that I know, cause I'm, I'm very much in this world, a creator with 50,000 followers on Instagram, which is not a lot in the creator world. Like if that is your job and that is your prime source of income, it's still not a massive following.

• 41:07Caleb Hammer?

  We almost have a million on Instagram. We don't do Instagram deals, but what have we been offered?

• 41:12Speaker 03

  Uh, do you want me to disclose those numbers?

• 41:13Caleb Hammer?

  Uh, we can either cut it or not. You can.

• 41:15Speaker 03

  Uh, like when I sell something on your Instagram or something on your Tik Tok, it's like. A lot of money. For like one post.

• 41:22Caleb Hammer?

  That's juicy.

• 41:23Speaker 03

  For like.

• 41:23Caleb Hammer?

  Okay. Well, I didn't know that.

• 41:24Speaker 03

  For like one post and, and we've done it before. We've done it a lot.

• 41:29Speaker 03

  But there's a, there's a, an influencer that I know that has 50,000. They were lucky enough that a company was willing to take the gamble on them for $2,500. And that's.

• 41:39Caleb Hammer?

  That was one time.

• 41:39Speaker 03

  That was one time. That's at 50,000. Getting, you know.

• 41:45Speaker 03

  Couple hundred thousand views on their reels. But, but at 2, at 2,500 followers and 50 views on a story, I mean, buddy, those are.

• 41:54Caleb Hammer?

  Sounds like her follower views is about.

• 41:57Speaker 06

  A billion trillion smackeroos.

• 41:58Caleb Hammer?

  By the math he said, so you will be at.

• 42:02Speaker 03

  I, I can recognize that right now, the numbers are pretty low. It's going to take some time. It's going to take a lot of work. Five months is not a lot of time.

• 42:13Caleb Hammer?

  Yeah, your, your brand deal will be a hundred four dollars.

• 42:15Speaker 03

  To performance levels.

• 42:17Caleb Hammer?

  Hundred four dollars.

• 42:18Speaker 03

  If it means, if it means having to live a whole lot more simple.

• 42:25Caleb Hammer?

  It's not just about living simple. Mexico City isn't simple.

• 42:28Speaker 03

  Okay. What, what do you mean? Like in.

• 42:32Caleb Hammer?

  We just pulled up the numbers of what it takes to live there.

• 42:35Speaker 03

  Okay. Yeah. It's, it's like similar to what I'm, how I'm living right now.

• 42:39Caleb Hammer?

  I'm trying to make you not blow up your entire life.

• 42:42Speaker 03

  Okay.

• 42:43Caleb Hammer?

  This isn't about discouraging you. You might be able to build this up.

• 42:46Speaker 03

  Yeah.

• 42:48Caleb Hammer?

  But not in the way that you are thinking in the timeframe you are allowing yourself.

• 42:52Speaker 03

  So I need to give myself more time?

• 42:55Caleb Hammer?

  As a starter and pay off your debt first and have a fully funded emergency fund before you even consider this and even understand the visa and work permit processes.

• 43:02Speaker 03

  That's, that's definitely one thing I really need to prioritize.

• 43:06Caleb Hammer?

  Oh yeah. In five months. Oh, actually never mind. I got the answer. Hey, Brandon, guess what? I got the answer of how he's actually doing it. Okay. Good. He borrows money from mom and dad currently. Oh, and the in-laws currently.

• 43:17Speaker 03

  I did that one time.

• 43:19Caleb Hammer?

  Great, great, great.

• 43:20Speaker 03

  And when did I borrow money from my in-laws?

• 43:23Caleb Hammer?

  I don't know. This is what I forgot.

• 43:24Speaker 03

  No, no, no, no, no. I didn't borrow money from them.

• 43:26Caleb Hammer?

  The car.

• 43:26Speaker 03

  When we initially, hmm, my parents helped me with, uh, with money when we were moving from New York as well as when I bought a car.

• 43:35Caleb Hammer?

  And now you're moving in even more expensive move.

• 43:38Speaker 03

  It will be a pretty expensive move, given that it is international.

• 43:43Caleb Hammer?

  Yes, that's what I'm saying. And you had to borrow to move. In national. Local.

• 43:50Speaker 03

  Uh, a, a little bit. Yeah. I borrowed a thousand dollars.

• 43:54Caleb Hammer?

  It's borrowing money. It's just showing that you cannot do it yourself.

• 43:58Speaker 03

  Uh, I mean, that's why I'm in this situation now that I I'm over $20,000 in debt. I didn't bring a lot of money.

• 44:05Caleb Hammer?

  Yeah, no one's combating that. I'm saying you're trying to do this again, but more expensive in five months, but you have less money than before.

• 44:11Speaker 03

  Okay, so I need to make more money and I might need to give myself more time.

• 44:16Caleb Hammer?

  Dude, if we were on a two to three year track, yes, I would say make more money. You're talking about doing this in like a quarter and a half.

• 44:22Speaker 03

  Okay, we can't have the conversation about like if this would be like a year, two years from now.

• 44:29Caleb Hammer?

  But you said you're doing it in five.

• 44:31Speaker 03

  That's

• 44:32Caleb Hammer?

  But you and your fiance are expecting.

• 44:34Speaker 03

  That would be ideal. That's when our lease is ending. So when when that happens, it's either that we re-sign and we have to give ourselves a whole other year. Or, you know, this starts a whole other conversation.

• 44:46Caleb Hammer?

  Okay. All right, Brendan, we'll we'll send you away.

• 44:49Speaker 03

  This is the situation. Thank you for your time. Absolutely, buddy.

• 44:52Caleb Hammer?

  Well, let's get into these numbers. What do you think your financial score?

• 44:56Speaker 04

  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.

• 45:20Caleb Hammer?

  For a zero to 10, zero being the worst, 10 being the best.

• 45:23Speaker 03

  1.8.

• 45:26Caleb Hammer?

  Okay, that's not how that works, but that's okay. If you want.

• 45:28Speaker 03

  That's the score that you gave me already, Caleb.

• 45:30Caleb Hammer?

  Oh, the website? Well, it rounds up to two. Okay, so you're two.

• 45:33Speaker 03

  Oh, okay.

• 45:34Caleb Hammer?

  Maybe. We'll see.

• 45:35Speaker 03

  Maybe. It might be a one.

• 45:37Caleb Hammer?

  If you want that score, take the assessment for free at Calebhammer.com. Figure out where you are in the world of money, where you can do better, where you're already doing great, where you need to improve, all that good stuff. It is free at Calebhammer.com. And make sure you sign up for my favorite budgeting app. Financial Audit is powered by DollarWise. All you gotta do is sign up for the free trial, and if you like it, take the annual version to save a lot of money. And I will send you my cut, my, and I will send you my, and I will send you, what the?

• 46:08Caleb Hammer?

  And I'll send you the budget And I'll send you my budget friendly cookbook signed by me mailed directly to you. Check that out. It's fun. Dollarwise.com to learn more. By the way, I will say this. If anyone's ever had Dollarwise out there and you had issues, fair enough. We had outside contractors. They sucked. We fired them. I built an internal team. And the day before I filmed this episode, which is many weeks before you see this, we launched 4.0 and every single bug anyone has ever been complaining about has been completely fixed and the app is now top of the market. Go check it out. It's very exciting.

• 46:45Speaker 03

  No, I get better than Rocket Money?

• 46:48Caleb Hammer?

  Huh?

• 46:48Speaker 03

  I don't know. If you ever like compared Dollarwise to Rocket Money?

• 46:51Caleb Hammer?

  Yeah, believe it or not, my business internal team that I've spent hundreds of thousands of dollars to build out does product market research. Okay.

• 46:58Speaker 03

  Sounds great. Try it out. I've been using Rocket Money. I hope it's better.

• 47:02Caleb Hammer?

  Yes. Much less cluttered, much easier to use. Yes, yes, yes.

• 47:06Speaker 03

  Sounds great. Sounds great.

• 47:07Caleb Hammer?

  Okay, big guy. Venture, what is going on?

• 47:09Speaker 03

  Uh, like, what are we spending it on?

• 47:11Caleb Hammer?

  What's going on with the card? I don't know, buddy. You tell me. I don't know you.

• 47:15Speaker 03

  Okay, all right. The card is my current highest balance. It's mainly been used for travel. Um.

• 47:22Caleb Hammer?

  Why? Why are you traveling so much? Is that your influencer bullshit?

• 47:24Speaker 03

  Um, that's part of it. That's also.

• 47:26Caleb Hammer?

  You're doing cars.

• 47:28Speaker 03

  Okay, my fiance and I love to travel. It's part of our lifestyle.

• 47:31Caleb Hammer?

  Influencer!

• 47:32Speaker 03

  Um, well, I, I think she can be a travel influencer.

• 47:35Caleb Hammer?

  Is she trying to be?

• 47:36Speaker 03

  She.

• 47:37Caleb Hammer?

  Then fuck you.

• 47:39Speaker 03

  She, we've, we've had conversations about her being a travel vlogger. She's a great writer.

• 47:43Caleb Hammer?

  Conversations. Vlogging! It's 2018. 2017 YouTube.

• 47:49Speaker 03

  Having a travel blog. She's a writer. She's a writer.

• 47:51Caleb Hammer?

  Okay, we're going back to 2008.

• 47:54Speaker 03

  People subscribe to Substack.

• 47:56Caleb Hammer?

  Yes, people subscribe to Substack. Hey, maybe if she's lucky, she'll get a hundred dollars in affiliates, too.

• 48:01Speaker 03

  That could be great. We can work as a team.

• 48:03Caleb Hammer?

  Sorry, just, it's just like where you guys are trying to, oh, I would, I would love everyone that wants to be a creator to be a creator. I cheer for it. You're just going in such a optimistic worldview way that's unrealistic and unintentional with what you're trying to do.

• 48:18Speaker 03

  I mean, how else are we supposed to look at it? Need to be at least a little bit delusional to even go for the dream, right?

• 48:23Caleb Hammer?

  No, you gotta lock down, put realistic goals and grind, grind, grind to get to every goal along the way to get to the ultimate goal.

• 48:29Speaker 03

  I think there's a balance of both.

• 48:30Caleb Hammer?

  It's like, oh, that's gonna happen.

• 48:31Speaker 03

  You need to, yeah.

• 48:32Caleb Hammer?

  We talked about blogging.

• 48:36Caleb Hammer?

  Let's be honest, your bank's saving account is probably doing less than your expired gym membership. The national average saving rate is like 0.39% APY. That is basically your money taking a nap. But with today's sponsor, Chime, you can earn 3.75% APY on a high-yield savings account that is over nine times the national average. And let's break that down. $5,000 in a regular savings account might get you 20 bucks in interest a year, but Chime is close to $188. That's enough for noise-canceling headphones or two tanks of gas, depending on how things are going. And unlike traditional banks, Chime doesn't hit you with monthly fees. There's no minimum balance and the whole signup process takes less than two minutes. I'd use this to build an emergency fund

• 49:18Caleb Hammer?

  or start saving for that vacation to Iceland. And right now, you can get up to $350 with a new Chime checking account when you sign up at chime.com/caleb just to try it out. So go to the link in the description box or scan the QR code on screen, sign up in two minutes and start earning that sweet 3.75% APY with Chime's high-yield savings account today. Okay, so this is your everyday travel card. Wonderful.

• 49:42Speaker 03

  Yeah, that's what we mainly be using.

• 49:44Caleb Hammer?

  But you missed the payment! You were behind!

• 49:47Speaker 03

  So I-

• 49:48Caleb Hammer?

  Minimum monthly payment's $1,256!

• 49:51Speaker 03

  I can explain that.

• 49:52Caleb Hammer?

  We have a balance of $7,879.62 with interest charging of $186.67.

• 49:59Speaker 03

  Yeah.

• 50:00Caleb Hammer?

  Go ahead and explain it.

• 50:01Speaker 03

  So yeah, the situation sucks. I was looking into options to save money on interest. I wanted to look at potential, see what loans I could qualify for.

• 50:11Caleb Hammer?

  I'll save money, don't travel!

• 50:13Speaker 03

  Okay, first of all, this has been a huge investment for our, for our knowledge, for our lifestyle.

• 50:20Caleb Hammer?

  You know what an investment is?

• 50:21Speaker 03

  Dude, I don't have any student loan debt. So instead, what? And even, yeah, yeah.

• 50:31Caleb Hammer?

  Oh no. Guys, he doesn't have a 4% subsidized federal student loan with lots of protections to get a return on investment from his degree. Instead, he has 30% credit card debt.

• 50:40Speaker 03

  Okay.

• 50:40Caleb Hammer?

  What?

• 50:41Speaker 03

  All right.

• 50:41Caleb Hammer?

  What are you bragging about?

• 50:42Speaker 03

  I'm bragging about the fact that like, at least, I mean, I don't know, I can go bankrupt and I still wouldn't be stuck with that debt.

• 50:48Caleb Hammer?

  Student loans, he is so forgiving. Federal.

• 50:52Speaker 03

  It would have been a lot more money.

• 50:55Speaker 03

  People are, people are on average.

• 50:57Caleb Hammer?

  Do you think what I would have suggested is go to college for four years and borrow whatever it takes to get whatever degree you want, or travel to anywhere you want and put it all on credit cards? Do you think those are the two options I would have provided?

• 51:09Speaker 03

  I.

• 51:09Caleb Hammer?

  Why are you, why are you conflating those as the options?

• 51:12Speaker 03

  I'm not, okay, it's because I'm saying that it was an investment on knowledge.

• 51:18Caleb Hammer?

  Knowledge. What knowledge did you get?

• 51:21Speaker 03

  Well.

• 51:22Caleb Hammer?

  The wheels go up this far into takeoff.

• 51:26Speaker 03

  It's, I mean, a lot of people don't get the experience of.

• 51:30Caleb Hammer?

  That's experience.

• 51:31Speaker 03

  Traveling the world.

• 51:31Caleb Hammer?

  What's your knowledge? What did you gain that you're able to apply for a higher income? Making definitely probably just about the median in Miami.

• 51:42Speaker 03

  I think.

• 51:42Caleb Hammer?

  So you have not applied that.

• 51:43Speaker 03

  That, look, I think that the experience we've got traveling.

• 51:46Caleb Hammer?

  The experience, sure.

• 51:47Speaker 03

  Is very, is very valuable. And yeah, I think.

• 51:51Caleb Hammer?

  Valuable in which way?

• 51:53Speaker 03

  And how.

• 51:54Caleb Hammer?

  In terms of fond memories? Sure.

• 51:55Speaker 03

  And how we want to live the rest of our lives, bro? And that it's not gonna be here. I don't want to raise my kids in the suburbs.

• 52:04Caleb Hammer?

  Then move to not the suburbs.

• 52:10Caleb Hammer?

  You can be downtown Austin, you can be downtown Miami, you can be New York, you can be.

• 52:15Speaker 03

  New York is the closest thing.

• 52:17Caleb Hammer?

  It is. Chicago's pretty good, too. San Francisco.

• 52:19Speaker 03

  I love Chicago. Yeah, I spent some time there, too. Love Chicago.

• 52:21Caleb Hammer?

  San Francisco's walkable, Portland's very walkable, many parts of Seattle are walkable.

• 52:27Speaker 03

  I'm not.

• 52:27Caleb Hammer?

  I'm not saying we don't have it. I'm not saying it's perfect and I.

• 52:30Speaker 03

  It's definitely, yeah, yeah.

• 52:31Caleb Hammer?

  I much prefer how communities are built in Europe. I do agree, they're much more human focused.

• 52:36Speaker 03

  Yeah, so that's, that's the value.

• 52:37Caleb Hammer?

  But you said you were getting educated. And a lot of shit from what are you talking about in terms of dude drop your little person down in Google Maps and you can tell somewhere is walkable. You don't need to be.

• 52:47Speaker 03

  That's not the same as actually going there and experiencing.

• 52:49Caleb Hammer?

  It's not the same, but you can tell what is walkable and what's not.

• 52:53Speaker 03

  Culturing yourself.

• 52:54Caleb Hammer?

  No, but you could culture in yourself, but you're saying you're you're getting all this value, all this education. You were trying to conflate it with borrowing for student loans, buddy. You learned somewhere was walkable. Whoa. And they spoke a different language. Yippee. Great buddy. You could have figured out where you wanted to move relatively with some decent research and then practice going to one place. If that was the highest research place that lined with what you wanted to do.

• 53:17Speaker 03

  I don't know. I'm glad.

• 53:18Caleb Hammer?

  You're excusing and coping with you wanting to see the world with getting a ton of value from it. You had fun. You had good memories. I'm not discounting that. But you're trying to conflate it with something so much more. You're trying to justify and cope the out of this.

• 53:32Speaker 03

  I.

• 53:33Caleb Hammer?

  Why'd you move from New York then? By the way, if that's what you want, because that's where you would want to be.

• 53:38Speaker 03

  Well, we wanted to spend some time closer to family because we know we want to. We've known for some time now.

• 53:43Caleb Hammer?

  Is that a two hour flight down there?

• 53:44Speaker 03

  The country.

• 53:46Caleb Hammer?

  Three maybe?

• 53:47Speaker 03

  From New York. Yeah. I mean, I mean, yeah, but I'm still seeing family a whole lot more often now that I'm in Florida rather than being in New York.

• 53:53Caleb Hammer?

  Okay, well, that's good.

• 53:53Speaker 03

  And so we want to, we want to move further away.

• 53:55Caleb Hammer?

  Something tells me Europe is far.

• 53:57Speaker 03

  Yeah. So that's, that was the point. That's the point. If you're going to listen to me for a second is that we decided to move to Florida for some time. So we can get some time with family before we decide, hey, we're going to move to another side of the world. We're not going to have the same level of access.

• 54:14Caleb Hammer?

  But why not back to New York then?

• 54:17Speaker 03

  I would.

• 54:18Caleb Hammer?

  I'm moving to New York.

• 54:20Speaker 03

  That's great. I'm so happy for you guys. Yeah, I heard about that. That's awesome.

• 54:22Caleb Hammer?

  Not for the taxes or finance. Let me tell you, people always ask about that. It's literally just the walkability.

• 54:27Speaker 03

  I, yeah, I bet it'll be for the lifestyle, which is, I think it's worth it.

• 54:32Caleb Hammer?

  Yeah. When people value that, some people don't.

• 54:34Speaker 03

  Some people, yeah, but I.

• 54:36Caleb Hammer?

  Okay, it doesn't matter. Why not go back there? Because at least you could do what you're doing here.

• 54:40Speaker 03

  I, man, I would consider moving back to New York. I felt, I felt like if we didn't leave New York, we were never going to. I think that's what's going to happen.

• 54:50Caleb Hammer?

  You know, the education they did, by the way, in order to figure out what walkable city they wanted to move to, a 34 day backpacking trip in northern Africa.

• 54:59Speaker 03

  What are you talking about when we went to Morocco?

• 55:01Caleb Hammer?

  Yes, that is in northern Africa.

• 55:03Speaker 03

  Yeah. Well, yeah, we went to, we were in Morocco, we went to Paris.

• 55:06Caleb Hammer?

  You were considering moving to Morocco.

• 55:08Speaker 03

  I'm not considering moving to Morocco.

• 55:09Caleb Hammer?

  Then why'd we go there? I thought this was the entire point. This was, you were trying to justify it.

• 55:13Speaker 03

  It was part of our trip.

• 55:13Caleb Hammer?

  It was a part of you having fun and blowing money you didn't have. And that's all it is.

• 55:18Speaker 03

  We wanted to-

• 55:19Caleb Hammer?

  You learned that some cities can have all their buildings be blue. Yippee!

• 55:22Speaker 03

  Okay, it's, I mean-

• 55:24Caleb Hammer?

  It's cool.

• 55:25Speaker 03

  Okay, this could also be a very good experience if, if we're, if she wants to be a travel blogger. This is, you know, investing into-

• 55:33Caleb Hammer?

  How much did the Moroccan trip cost?

• 55:35Speaker 03

  In Morocco? I mean, you want the price for the whole trip altogether?

• 55:40Caleb Hammer?

  Sure. How much was the trip?

• 55:41Speaker 03

  The whole trip, it was, it was around 8,000.

• 55:44Caleb Hammer?

  Good. So with her travel vlogging, with the commission, she's likely gonna get similar to you. 8,000, let's see here. Hmm, okay, she needs to get about 80 sponsorships if she's averaging a couple a month. You know, we're talking, uh, uh, uh, uh, three and a half years just to make that up. And I'm sure in order to do the blog, she's gonna need to travel quite a few more times in that time period.

• 56:07Speaker 03

  Okay, sure. This is also assuming very small performance numbers.

• 56:15Caleb Hammer?

  I guess. You guys are getting married, and I know people like you, travel, you probably needed like a dream wedding destination, dream honeymoon too.

• 56:22Speaker 03

  Um, we want to have a small wedding, but we do want to have-

• 56:25Caleb Hammer?

  But somewhere.

• 56:26Speaker 03

  A destination wedding. Yeah, yeah, you guessed it. Yeah.

• 56:30Caleb Hammer?

  I sure did.

• 56:31Speaker 03

  Yeah.

• 56:32Caleb Hammer?

  And where's that gonna be? Do you know?

• 56:34Speaker 03

  Um, probably Morocco or Portugal. Yeah.

• 56:40Caleb Hammer?

  Are they gonna be happy seeing her ankles?

• 56:42Speaker 03

  Um, she'll be wearing a dress. Um, also, it would be in a private location. What, have you been to Morocco?

• 56:51Caleb Hammer?

  No, one of my employees is from there though, so we love to joke about Morocco.

• 56:54Speaker 03

  Oh, that's funny. It's a great place, man. You should check it out.

• 56:56Caleb Hammer?

  No, it's good. I actually really wanna go.

• 56:57Speaker 03

  Yeah.

• 56:57Caleb Hammer?

  I make fun of jokes of all cultures. Doesn't mean I hate the culture. I make fun of Americans too. We're-

• 57:05Caleb Hammer?

  Don't think I'm racist against Moroccans. I make fun of everyone. That's the fun of living in this world.

• 57:12Caleb Hammer?

  Oh great, and you just came back from Columbia for a wedding? No, fuck dude.

• 57:16Speaker 03

  We were in Columbia earlier this year for a wedding, yeah. Yeah, her cousin was getting married.

• 57:21Caleb Hammer?

  You have, there's, you're coped for doing all these things are insane.

• 57:27Caleb Hammer?

  Alright, Capital Venture, yes. Total fees $290, we've been late plenty of times this year so far on this.

• 57:36Speaker 03

  Yeah, so I was, uh...

• 57:38Caleb Hammer?

  We're over the limit by $879.

• 57:40Speaker 03

  I was trying to enlist the help of a credit consolidation agency.

• 57:44Caleb Hammer?

  Why would you do that?

• 57:45Speaker 03

  Yeah, it was kind of dumb.

• 57:46Caleb Hammer?

  I agree, why would you do that?

• 57:47Speaker 03

  That was dumb. I was, like I said, I was looking for options, um, to save money on interest, trying to see where I can pull money from or what were my options as far as like what I can qualify to borrow money.

• 57:59Caleb Hammer?

  Why not make your payments while you're still doing that?

• 58:01Speaker 03

  Uh, so that, that's what was sketchy about it.

• 58:04Speaker 04

  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.

• 58:29Speaker 03

  About this whole...

• 58:30Caleb Hammer?

  They wanted it to go to collections and they would negotiate collections.

• 58:33Speaker 03

  Exactly, yeah.

• 58:34Caleb Hammer?

  I don't like it if they're credit, but...

• 58:36Speaker 03

  I, I didn't like it either and that's so, that's why I stopped and pulled out the money.

• 58:40Caleb Hammer?

  It can be a good method depending on what situation you're in, you're just not in that situation.

• 58:42Speaker 03

  I, I don't think so.

• 58:43Caleb Hammer?

  You have four credit cards.

• 58:44Speaker 03

  Yeah, exactly, yeah, so that, that's why I stopped doing that. I pulled out the money that I was saving in their account and immediately put that to those cards. But it wasn't much, it was only $1,700.

• 58:57Speaker 03

  Did that for...

• 58:58Caleb Hammer?

  I'll put the normal monthly payment at about 125 because obviously you have to catch up with the 1,256.

• 59:03Speaker 03

  Oh yeah.

• 59:03Caleb Hammer?

  This is fucking crazy, $40 the late fee, so you've had... Okay, now three late fees this year so far, probably, just about. It's insane, just on that card alone. And you're right, I mean, I don't see any spending on this because you were traveling your dick off, but it's well above the credit limit now. So I wouldn't be able to see any spending on this.

• 59:22Speaker 03

  Haven't used it in a while.

• 59:24Caleb Hammer?

  You can't.

• 59:25Speaker 03

  I can't, yeah, I haven't been able to.

• 59:27Caleb Hammer?

  You can't.

• 59:27Speaker 03

  Not that I.

• 59:28Caleb Hammer?

  This is what we got. Uh, once they got together, they're just endlessly traveling. At least a dozen cities in a few countries constantly.

• 59:37Speaker 03

  Pretty great.

• 59:37Caleb Hammer?

  Going to Puerto Rico's aunt's wedding, cost $2,000 Dominican Republic for a week, to see family, $2,000, went to California for a week, $2,000, went, uh, cruise from Barcelona to Italy and, uh, what is it, Ibiza?

• 59:49Speaker 03

  Ibiza, yeah.

• 59:50Caleb Hammer?

  Ibiza, $6,000.

• 59:51Speaker 03

  Oh, yeah.

• 59:52Caleb Hammer?

  Going to Chicago, 34 day trip across nor- uh, northern Africa and Europe, Croatia, Rome, Florence, Milan, Barcelona, Morocco, Portugal, London, Paris, $8,500.

• 1:00:03Speaker 03

  Lots of content.

• 1:00:04Caleb Hammer?

  Went to the Eiffel Tower, went to the proposal, spending all their money in the world. You're in a dream destination, back to Morocco. Oh, my goodness. And then we're gonna go on a nice little honeymoon. I want you to travel, I want you to do all these things, I want everyone to do these things. Don't think I'm evil saying I'm not wanting you to do it. I want you to do it in a financially healthy place so you don't your entire life.

• 1:00:27Speaker 03

  Uh, yeah, it's, it's in a pretty bad situation right now, and that's a big part of the reason.

• 1:00:34Caleb Hammer?

  I mean, your credit score's 513.

• 1:00:35Speaker 03

  It's pretty bad, it's the lowest it's ever been.

• 1:00:37Caleb Hammer?

  Pretty bad, that's insane. That's one of the, that's, that's like on the bad, bad, bad scale.

• 1:00:42Speaker 03

  And it really dropped that low within the last year or two.

• 1:00:46Caleb Hammer?

  Dick, okay.

• 1:00:48Caleb Hammer?

  Yes, because you're over maxed out.

• 1:00:49Speaker 03

  Yeah.

• 1:00:50Caleb Hammer?

  I'll let you use the FIS card, it's a credit debit, it's a debit card that builds credit. I'll see if they actually even let you have it, I'm sure they will, but what the? I also get, um, if you ever have to switch careers when you move somewhere, I'll get you a course career certification. A lot of people in our audience and our guests have done it and they've boosted their resumes and their income a lot, so.

• 1:01:08Speaker 03

  What, what is it?

• 1:01:08Caleb Hammer?

  Get those, so, just, it's a certification in whatever field you want, a lot of them focus on trades or tech for course careers, but it's free for you. Because you're a guest on the show, thanks to them.

• 1:01:17Speaker 03

  All right, well, I, I have a few certifications, but it'd be great to get more.

• 1:01:20Caleb Hammer?

  Get more.

• 1:01:20Speaker 03

  Yeah.

• 1:01:22Caleb Hammer?

  Discover it, tell me, what's going on?

• 1:01:24Speaker 03

  So the Discover card, what was I using this? I mean, um.

• 1:01:32Speaker 03

  I will say one thing, I had a bit of a failing business.

• 1:01:43Speaker 03

  Um, so I was.

• 1:01:45Caleb Hammer?

  Tell me, tell me all about it.

• 1:01:47Speaker 03

  So I was.

• 1:01:47Caleb Hammer?

  Because this will be very important to know as you're talking about scaling this new business.

• 1:01:52Speaker 03

  Yeah, yeah. So I started reselling sneakers, um, back right before COVID.

• 1:01:58Speaker 03

  And I was getting some profit there.

• 1:01:59Caleb Hammer?

  Oh, yeah.

• 1:02:00Speaker 03

  Yeah. Um, and of course I was also just kind of buying some sneakers for my own collection.

• 1:02:07Caleb Hammer?

  Oh.

• 1:02:07Speaker 03

  Like the ones I'm wearing today.

• 1:02:08Caleb Hammer?

  Oh, good.

• 1:02:08Speaker 03

  Uh, yeah.

• 1:02:11Caleb Hammer?

  You look like.

• 1:02:11Speaker 03

  That's, no, they don't. You just don't have tastes. You drive a Tesla. Anyway.

• 1:02:19Caleb Hammer?

  Does that even mean?

• 1:02:20Speaker 03

  Uh, it means that you're a normie.

• 1:02:22Caleb Hammer?

  It's a car you could never afford.

• 1:02:23Speaker 03

  I wouldn't want that car.

• 1:02:25Caleb Hammer?

  But you could never afford it.

• 1:02:26Speaker 03

  I'm sure I could eventually afford it, not today, not tomorrow.

• 1:02:29Caleb Hammer?

  Not the track you're going on, big guy.

• 1:02:31Speaker 03

  All right, man. I'm 26. I got a whole lot of life.

• 1:02:34Caleb Hammer?

  Worth your debt times four.

• 1:02:35Speaker 03

  Got a whole lot of life ahead of me and a lot of abilities to learn and adapt and skills that I'm already.

• 1:02:42Caleb Hammer?

  Learning like you did going to Morocco?

• 1:02:46Speaker 03

  Uh, yeah, man, I picked up a little bit of Arabic.

• 1:02:50Caleb Hammer?

  Great. Now you can do customer service. I don't know. Like, what do you want? What am I supposed to do?

• 1:02:56Speaker 03

  No, but anyway, more so I, I was reselling sneakers. I decided I also wanted to start a clothing brand like every Gen Z person decides to do. Um, so I, you know, I took my graphic design skills, built it up a little bit more and, you know, invested in some inventory and a website. And, and pop-ups. So I was in New York City. So I was popping up in various parts of the city, selling clothes and sneakers.

• 1:03:25Caleb Hammer?

  Definitely not a competitive clothes market at all in New York.

• 1:03:29Speaker 03

  Uh, yeah, no, I mean, people buy, but people also sell. So, yeah.

• 1:03:34Caleb Hammer?

  Did you, what, what was the failing business? You, you brought up this card failing business? Are you, you went into debt for the business?

• 1:03:40Speaker 03

  I went into debt for the business.

• 1:03:41Caleb Hammer?

  There it is. Okay. So you never made an actual money net?

• 1:03:44Speaker 03

  Uh, no, no, or, or at least.

• 1:03:46Caleb Hammer?

  How long were you trying to do this? Just like he's trying to do his current thing.

• 1:03:49Speaker 03

  That, that wasn't long, maybe six to eight months.

• 1:03:53Caleb Hammer?

  How much that did you go into for six to eight months of this?

• 1:03:56Speaker 03

  I mean, just that was at least $2,000.

• 1:04:00Caleb Hammer?

  Dude.

• 1:04:04Caleb Hammer?

  I just don't, why did you go into debt for it instead of try to close, instead of cash flow it?

• 1:04:08Speaker 03

  That's a good question. Um, it was a matter of me investing into a product I had to have made overseas. Um, because it was actually cheaper to do that rather than having it made in New York for obvious reasons. Um, I was mainly making products that were just made to order. So I didn't have to invest into any inventory. I was doing that for a while. Um, and I got a couple of sales, but I didn't like what I was making.

• 1:04:35Caleb Hammer?

  Have you ever taken an entrepreneur class?

• 1:04:37Speaker 03

  I actually did study some entrepreneurship, um, when I was in college.

• 1:04:40Caleb Hammer?

  I knew he took one of the bull, oh, in college. Okay.

• 1:04:42Speaker 03

  Yeah, in college. No, no, I didn't buy a course on entrepreneurship.

• 1:04:45Caleb Hammer?

  Okay. Cause most of them bullshit. We have educational products, but at least they're top rated in the industry.

• 1:04:49Speaker 03

  I don't trust buying courses. I've almost.

• 1:04:51Caleb Hammer?

  There are some good ones out there. It's just like 95% suck.

• 1:04:54Speaker 03

  Yeah, no, a lot of them suck. So I just kind of avoid them, um, and kind of mostly opt for, you know, YouTube university. Um, and try to keep up with.

• 1:05:02Caleb Hammer?

  So lots of shit to sort through.

• 1:05:04Speaker 03

  Oh, of course. Yeah, definitely. Still a lot. Um,

• 1:05:08Speaker 03

  but.

• 1:05:09Caleb Hammer?

  Do you still buy sneakers and do all this?

• 1:05:10Speaker 03

  I haven't, no, I haven't done that in a while.

• 1:05:12Caleb Hammer?

  Okay. Colton's telling me he still buys sneakers.

• 1:05:15Speaker 03

  I mean, well, I mean, the last pair of sneakers I bought was over a year ago.

• 1:05:23Caleb Hammer?

  Okay.

• 1:05:24Speaker 03

  I, yeah, spent like, I spent 400 bucks on them. There were Jordans for me and her matching pairs. But yeah, that was over a year ago.

• 1:05:33Caleb Hammer?

  I'm romantic. Okay. $5,863.60, uh, yeah, and 60 cents on the Discover card. $96 of interest accruing and 55 cents. Minimum payment $118, 20.

• 1:05:46Speaker 04

  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.

• 1:06:11Caleb Hammer?

  Three years to pay this off, by the way, if you do minimum three payments only without purchasing. But guess what? Oh, we purchase. Oh, baby, we purchase $80.04 of purchasing. Why the are we purchasing on a card when we have other cards maxed out? And it takes your entire lifetime so far essentially to pay it off.

• 1:06:27Speaker 03

  I mean, I definitely avoid using that card whenever I can.

• 1:06:30Caleb Hammer?

  Which is why he spent $80 on it.

• 1:06:32Speaker 03

  Uh huh. Um, yeah, I mean, I must have.

• 1:06:35Caleb Hammer?

  What's your avoid? Because the other one was incapable to spend on? Because you pushed it well beyond max? So you had to spend it on this?

• 1:06:39Speaker 03

  No.

• 1:06:40Caleb Hammer?

  Is that what avoiding is?

• 1:06:41Speaker 03

  It's that I use my debit card to pay for things now because I can't use my credit cards. And if I run out of money and I need things like gas for my car.

• 1:06:50Caleb Hammer?

  Okay, payroll is $3,404 that came in last month. How much did you spend? This includes some interest going up because that adds to the credit card balances. But how much went out? We know inflow. How much was outflow?

• 1:07:02Speaker 03

  In August, I spent over $2,200. And July, I spent over.

• 1:07:09Caleb Hammer?

  Okay, full outflow in the month that we're looking at was $4,436.

• 1:07:13Speaker 03

  That had to have been in June or July.

• 1:07:16Caleb Hammer?

  Dude, whatever month we're looking at, big guy.

• 1:07:19Speaker 03

  Yeah.

• 1:07:19Caleb Hammer?

  Uh, this credit card statement is showing, um, July through August. It's half July, half August.

• 1:07:26Speaker 03

  Okay, yeah, yeah, okay.

• 1:07:28Caleb Hammer?

  Yeah, okay.

• 1:07:30Caleb Hammer?

  It was in June.

• 1:07:32Speaker 03

  Okay, yeah, July, July, yeah, I spent some money.

• 1:07:34Caleb Hammer?

  July and August.

• 1:07:35Speaker 03

  July and August.

• 1:07:36Caleb Hammer?

  Spent some money. What was I spend some money?

• 1:07:39Speaker 03

  I spent some money, uh.

• 1:07:40Caleb Hammer?

  On what? Delaying the thing you want to do in five months or six months from then?

• 1:07:46Speaker 03

  What did I spend money on in that time?

• 1:07:47Caleb Hammer?

  What did you spend money on in that time?

• 1:07:49Speaker 03

  Um.

• 1:07:54Speaker 03

  I mean,

• 1:07:54Caleb Hammer?

  let's find out. You got some gas, you got some parking, you got some parking and then you spent $31.80 at Graphicasana.

• 1:08:02Speaker 03

  What?

• 1:08:03Caleb Hammer?

  Graphicasana.

• 1:08:05Speaker 03

  I.

• 1:08:06Caleb Hammer?

  Graphicasana.

• 1:08:07Speaker 03

  Graphics.

• 1:08:08Caleb Hammer?

  It's travel entertainment business of some kind.

• 1:08:11Speaker 03

  Trum.

• 1:08:12Caleb Hammer?

  Graphicasana. $31.80.

• 1:08:16Speaker 03

  Be honest, I don't.

• 1:08:17Caleb Hammer?

  You got five, you got four purchases on this card. Gas, two parking and then this. You don't know what this is.

• 1:08:22Speaker 03

  I.

• 1:08:23Caleb Hammer?

  Four purchases.

• 1:08:23Speaker 03

  I can't.

• 1:08:24Caleb Hammer?

  $31.80.

• 1:08:26Speaker 03

  How much?

• 1:08:26Caleb Hammer?

  $30.81. $31.80.

• 1:08:29Speaker 03

  $30.81. What, uh, what day?

• 1:08:34Caleb Hammer?

  The 3rd of last month.

• 1:08:35Speaker 03

  The 3rd of last month. $30.

• 1:08:38Caleb Hammer?

  $31.80.

• 1:08:41Caleb Hammer?

  Uh huh. Oh, yeah.

• 1:08:44Speaker 03

  Had to have been something.

• 1:08:46Caleb Hammer?

  Guys, by the way, we've had approximately four late fees on this card this year so far.

• 1:08:50Speaker 03

  This is still the venture card?

• 1:08:51Caleb Hammer?

  Discover it.

• 1:08:52Speaker 03

  Discover it. I've had that many late fees on that card.

• 1:08:54Caleb Hammer?

  Oh, you sure have, big guy. Oh, you sure have. Yeah.

• 1:08:58Speaker 03

  I did not expect that for that card.

• 1:08:59Caleb Hammer?

  Whoa.

• 1:09:00Speaker 03

  I knew for the venture.

• 1:09:01Caleb Hammer?

  Well, sure.

• 1:09:01Speaker 03

  And the, and the other Capital One card, but not that one.

• 1:09:04Caleb Hammer?

  Oh, good. There's more coming. Wonderful. Um. Sure did.

• 1:09:09Speaker 03

  I can't recall exactly what that was. I know.

• 1:09:12Caleb Hammer?

  This is in court of law.

• 1:09:13Speaker 03

  And in August and really just in general, we've been driving a lot back and forth to Tampa because that's where my parents live. Um, and when we do that, we spend a lot of money on gas. We might buy a gift. So I can't recall exactly what that was, but it could have had something to do with that.

• 1:09:35Caleb Hammer?

  What if this is the, are you? Cause I thought you, you, you, you made a, I thought you said you were like Arabic earlier, but then you said you're Hispanic.

• 1:09:41Speaker 03

  No, people mistake, mistake me for being Arabic. I'm, I'm Hispanic. My parents are Dominican.

• 1:09:45Caleb Hammer?

  Oh, okay. 20% interest rate on this thing, buddy. Almost $700 in interest this year so far on this card alone.

• 1:09:51Speaker 03

  It's pretty bad.

• 1:09:52Caleb Hammer?

  What was it on the last card? On the last card it was.

• 1:09:54Speaker 03

  It was more.

• 1:09:55Caleb Hammer?

  Alone, 1,200. So now we're up to $2,000 this year so far on interest. This year so far.

• 1:10:05Speaker 03

  This is why I was looking into options to save money on interest.

• 1:10:08Caleb Hammer?

  But it's not about that because you would have [__] it if you consolidated. If you consolidated, big guy, not to death for like forgetting this. If you did a consolidation loan. Given access to more money to spend on these cards without changing your behavior first, you would have racked it up again.

• 1:10:23Speaker 03

  Well, that's why I'm trying to change my behavior now.

• 1:10:24Caleb Hammer?

  I know. I'm just saying I'm glad you didn't because you would have

• 1:10:27Speaker 03

  Yeah.

• 1:10:28Caleb Hammer?

  Changing your behavior now, we'll see. I mean, a week before coming on the show doesn't really count to me, but yes. Yes.

• 1:10:36Caleb Hammer?

  Okay. Well, with your fiance even, she's the one with money. What's your guys' relationship with money with each other? We already know what you like that hitting thing, but beyond that, what is this relationship looking like financially?

• 1:10:47Speaker 03

  Um, I mean,

• 1:10:52Speaker 03

  I'm not sure how to explain it aside from I've, I've really been the one that would do a lot more

• 1:11:01Speaker 03

  spending between like wanting to take her out, but also spending money on myself. Um, where she's been a whole lot better about budgeting, saving.

• 1:11:15Caleb Hammer?

  Um, okay. How's that gonna link up when it comes to marriage? If you want to land a high paying job, but don't have experience or a degree, then you need to learn about course careers. It is the easiest way to land the high paying career that you've been dreaming of. I've done financial audits for hundreds of people and what I've learned is that the single biggest factor someone can take to improve their life is getting a higher paying job. And that is why I've been such a huge promoter and even an investor in course careers. The way it works is you simply go through an affordable online course to start a new high paying career path. They teach many different in-demand jobs ranging from technology, sales to accounting, construction, project management, the trades like electrician, plumbing, HVAC, supply chain, and many others that can be done remotely.

• 1:11:59Caleb Hammer?

  And the coolest part about course careers is their platform works for people who don't have any previous experience or degrees. Their courses teach you everything you need to know to land your first entry level job. And they have a 100% free introductory course for each career that teaches you all about what the job is like, how much money you'd make and how exactly to land your first job was starting from scratch. Click the link below to sign up for one of their free courses today.

• 1:12:23Speaker 03

  Um, that I need to change my habits. That I, I, I need to, I need to.

• 1:12:27Caleb Hammer?

  What habits? What has she gotten pissed about?

• 1:12:29Speaker 03

  The other thing was that when I got my current job, uh, it's pretty far from where we live in Miami, so I needed to get a car. Um, and the dealership was offering me a, a pretty good deal.

• 1:12:39Caleb Hammer?

  The dealership you worked for?

• 1:12:41Speaker 03

  Yeah.

• 1:12:42Caleb Hammer?

  You got a good deal? Oh.

• 1:12:45Caleb Hammer?

  You got sold by the sales.

• 1:12:47Speaker 03

  Um, yeah. They were giving me a trade in car.

• 1:12:51Caleb Hammer?

  You damn marketed yourself. Alright, keep going. Tell me about it.

• 1:12:54Speaker 03

  It was still a bad idea because I was giving myself a car payment. I, I was desperate. I wanted to get a car. I had been taking the bus for a month at that point, taking Ubers.

• 1:13:04Caleb Hammer?

  Then you can do another month.

• 1:13:06Speaker 03

  Uh.

• 1:13:06Caleb Hammer?

  And save up. I'm a walkable city guy. You're supposed to love public transportation.

• 1:13:10Speaker 03

  Impatient. Yeah, but the public transit in Miami is bullshit.

• 1:13:14Caleb Hammer?

  Yeah, but they got things that other cities don't have still.

• 1:13:16Speaker 03

  That's sure. Um, I was getting fed up with it. I was already looking into options for buying a car and this seemed like a better option. Um, so my parents and her helped me put together the down payment on the car.

• 1:13:36Caleb Hammer?

  What does that mean?

• 1:13:37Speaker 03

  It means that I didn't have enough money to put the down payment on the car myself.

• 1:13:40Caleb Hammer?

  Came together and pulled money together for you?

• 1:13:44Speaker 03

  They pulled money for me to get the down payment on the car. We put 3,000 down on the car. Um, and I was handling the payments, the insurance, the gas in the car. I was paying it for a couple of months, but it was a lot of money. Um, like the car payment was about 350. Insurance was like another over 200. Car wasn't great on gas. It was an SUV. So I was paying well over like $700 a month on this car bullshit and, um, and she, I mean, she, she didn't like the idea of getting that car in the first place.

• 1:14:18Caleb Hammer?

  Um, did you?

• 1:14:19Speaker 03

  I, I.

• 1:14:21Caleb Hammer?

  She's the one that at least knows what she's doing.

• 1:14:23Speaker 03

  Yeah, I, I wanted to get a car. I was convincing her that it didn't look like there were many other cars at this quality, like at this.

• 1:14:32Caleb Hammer?

  Quality. Why the you care about quality? Dude, you're just trying to get.

• 1:14:34Speaker 03

  No, I'm talking about like the mileage on it. It was gonna be like a reliable car that it wasn't going to cost.

• 1:14:39Caleb Hammer?

  How much was it?

• 1:14:40Speaker 03

  Uh, what the miles or the, how much was the car? The car was 12,500.

• 1:14:45Caleb Hammer?

  It's not the worst. Why was she so vehemently against it? Because that's about where I would have advocated for. I would have tried to get closer to about 10.

• 1:14:52Speaker 03

  Yeah, yeah.

• 1:14:53Caleb Hammer?

  But what was wrong?

• 1:14:54Speaker 03

  It wasn't an outrageous amount of money for a car.

• 1:14:56Caleb Hammer?

  Well, there was the fact that you should have.

• 1:14:57Speaker 03

  It was more than what I could afford.

• 1:14:59Caleb Hammer?

  It was more than you could afford, which is why you should have been doing public transportation for another month. Saved up some money, maybe another two months, saved up some money. And put a chunky down payment down on it, about 20%.

• 1:15:08Speaker 03

  But the problem too is that I still had a car payment and the insurance was high on it because it was a luxury car. Um, I didn't necessarily want to buy a luxury car, but it was more expensive to buy.

• 1:15:18Caleb Hammer?

  Did you guys fight about it?

• 1:15:19Speaker 03

  A Japanese car. Um, a bit. I mean, it it wasn't like one of the worst fights. But it was, um, it was difficult to, yeah, come to a compromise about it. And even after buying the car, she was happy that we got it, but she was still unhappy about the financial situation behind it. That I wasn't able to pay for it upfront. I wasn't able to pay.

• 1:15:43Caleb Hammer?

  Is she not embarrassed on behalf of like, well, I guess herself to her parents? Her parents? Come on, you're gonna be their son-in-law.

• 1:15:51Speaker 03

  Yeah.

• 1:15:52Caleb Hammer?

  Look what they had to do.

• 1:15:53Speaker 03

  Uh, well, it wasn't her parents. It was my parents to help, to help pay.

• 1:15:56Caleb Hammer?

  But they've stepped in, right?

• 1:15:57Speaker 03

  They, um, they haven't, they haven't, not with money. Um, they have helped us in the sense that when we first moved to Miami, we were living with them for a few months before we'd found our place. So we, uh, so yeah, the four of us were living in their apartment.

• 1:16:11Caleb Hammer?

  You're not embarrassed to your parents? Um, that they had to work with their futures debt?

• 1:16:17Speaker 03

  Yeah, no, I, I, I am, I am embarrassed about that. I didn't want, I initially didn't want to move into them, but move in, move in with them, but it would, we, we decided we were gonna live with them for a few months, save up money and get our own place. And we were able to do that. That's, that was a win.

• 1:16:32Caleb Hammer?

  Yeah, it's a win.

• 1:16:34Speaker 03

  Yeah.

• 1:16:34Caleb Hammer?

  Were you guys in a position where you should have yet? Cause it's okay to be at home for a second where you're getting yourself on your feet. It's better to set yourself up for success as long as you're not being enabled. I'm only against when people are enabled.

• 1:16:44Speaker 03

  Sure. I mean, we haven't fell back on rent at any point. We've been able to handle the housing situation just fine as far as bills, utilities. Um, I, I actually do cover some of that. Um, we split rent in half and I typically will pay for internet and

• 1:16:59Caleb Hammer?

  How big is your apartment?

• 1:17:00Speaker 03

  And electric. We share a, like a decent sized studio apartment. It's about 700 square feet. Yeah. Yeah, so the studio apartment, we pay eighteen hundred a month.

• 1:17:11Caleb Hammer?

  And if you just got engaged her, by the way, that probably means you got a ring.

• 1:17:15Speaker 03

  Uh, I did get a ring. Um, it's, it's a funny situation with the ring. So the first-

• 1:17:20Caleb Hammer?

  Hilarious.

• 1:17:20Speaker 03

  I, I got, I got her a ring, um, for the engagement and it was what I could afford at the time. It was like just three hundred dollars, maybe three fifty. It wasn't like a crazy ring. I got her something different that she would appreciate. Just got her like a gold band. Um, and I wanted to get her an emerald because she's Colombian and that's where emeralds are from.

• 1:17:43Caleb Hammer?

  Um, okay.

• 1:17:44Speaker 03

  And she wanted something different. Um, but I knew I eventually wanted to upgrade her ring.

• 1:17:49Caleb Hammer?

  It's like an iPhone, okay.

• 1:17:50Speaker 03

  Uh, I should tell her that. Uh, um, her-

• 1:17:56Caleb Hammer?

  How much is that gonna cost?

• 1:17:57Speaker 03

  Uh, what, the new ring?

• 1:17:58Caleb Hammer?

  Yeah.

• 1:17:59Speaker 03

  The new ring is valued close to eight thousand.

• 1:18:04Caleb Hammer?

  Oh, fuckin' shit on me, dude.

• 1:18:07Speaker 03

  No, but look, it's, it's not, it's in the family already. It belongs to the grandmother. Her grandmother has the ring. She's had it for a long time.

• 1:18:16Caleb Hammer?

  Is she alive?

• 1:18:18Speaker 03

  She's alive.

• 1:18:19Caleb Hammer?

  Are we waiting for her to not be?

• 1:18:21Speaker 03

  No, we're going to give her money in parts.

• 1:18:25Caleb Hammer?

  Is that her wedding ring?

• 1:18:26Speaker 03

  Um, no, her grandmother is not married anymore and this is not-

• 1:18:30Caleb Hammer?

  But was it her wedding?

• 1:18:31Speaker 03

  No, no, I don't think so. She was told me, I think. No.

• 1:18:35Caleb Hammer?

  She's, so she's down for this?

• 1:18:37Speaker 03

  She's down for this. Uh-

• 1:18:38Caleb Hammer?

  How much are you gonna pay?

• 1:18:39Speaker 03

  I-

• 1:18:40Caleb Hammer?

  It's funny that's just charging you, but-

• 1:18:41Speaker 03

  So, I mean, she, she doesn't wanna pay me the full price. She wants some money upfront because she's also going on a trip. Um-

• 1:18:51Caleb Hammer?

  To heaven or hell?

• 1:18:52Speaker 03

  Uh, no, she's, she's doing great, man.

• 1:18:54Caleb Hammer?

  I'm kidding.

• 1:18:55Speaker 03

  Uh, shit. Um, no, I, I wanna pay her eight hundred dollars upfront by the end of this month.

• 1:19:03Speaker 03

  Um, and

• 1:19:05Caleb Hammer?

  How are you fitting that into where you spend more than you make? That doesn't make any sense. You're behind on two credit card payments, one that we're about to talk about.

• 1:19:11Speaker 03

  Well, in the last

• 1:19:12Caleb Hammer?

  How do you do that?

• 1:19:13Speaker 03

  In the last month, I spent less than what I made.

• 1:19:15Caleb Hammer?

  I have until mid last month. These statements go through mid last month, Dick.

• 1:19:22Speaker 03

  Well, well, Dick, I've been doing my own budgeting too, and I

• 1:19:27Caleb Hammer?

  I don't trust your budget. You're not a reliable source. Look at the financial situation you got yourself in. That means nothing.

• 1:19:31Speaker 03

  Okay, all right, sure, yeah.

• 1:19:33Caleb Hammer?

  We literally have your documents and we put it into a spreadsheet and we got all the numbers, spent hours on it. I don't care what your budgeting has done.

• 1:19:41Speaker 03

  Okay, all right.

• 1:19:42Caleb Hammer?

  Who knows what you've linked and not linked? Okay, Capital One, so we gotta get $800 by the end of this month. How much do you owe after that? Cause you said down.

• 1:19:50Speaker 03

  Yeah, so after that, um, I mean, she didn't give me any exact number. I think she was talking about somewhere around 3,000?

• 1:19:58Caleb Hammer?

  Yeah, yeah, yeah. After or with the eight?

• 1:20:01Speaker 03

  Uh, no, with, total.

• 1:20:03Caleb Hammer?

  Yeah, yeah, yeah.

• 1:20:04Speaker 03

  Yeah, um, it was probably less. She wanted to, she was like really pushing that like this is a gift. She wants some money for it because it's so valuable. She's had it for such a long time. And I want to respect that and, um, and yeah, give her some money for it. If it means like paying her a little bit of money month to month, helping her live the way she wants to.

• 1:20:24Caleb Hammer?

  Okay. All right, Capital One, $5,870.79. Shocker! Completely behind.

• 1:20:32Speaker 03

  Yeah, so that, that

• 1:20:33Caleb Hammer?

  And over the limit by $872.79.

• 1:20:36Speaker 03

  That one we, uh, used in the process of moving.

• 1:20:39Caleb Hammer?

  When? When did you move?

• 1:20:41Speaker 03

  From New York to Miami.

• 1:20:42Caleb Hammer?

  Yeah, when was that? Yes, I asked where when I said when.

• 1:20:45Speaker 03

  Just over a year ago.

• 1:20:46Caleb Hammer?

  Okay. So why the is it behind just over a year later?

• 1:20:51Speaker 03

  Uh, because it was already pretty high and I

• 1:20:55Caleb Hammer?

  Oh, why is it behind? Why aren't you making your minimums? Your minimums are probably 125-ish.

• 1:20:59Speaker 03

  I was behind because like I said, the whole credit consolidation thing, they were trying to work with Capital One for both of those covers.

• 1:21:04Caleb Hammer?

  Do that with the Discover.

• 1:21:05Speaker 03

  Uh, no, I was still paying the Discover.

• 1:21:08Caleb Hammer?

  So, okay.

• 1:21:09Speaker 03

  I was late a couple of times, but I was still paying.

• 1:21:10Caleb Hammer?

  Oh, right now is the 1,044. It's probably a normal 125 minimum payment. That's what we'll calculate into the budget, but we gotta catch up, obviously. And that's more important than your grandma's gonna have the ring, so you don't have to do that this month. Cause you already proposed and everything. 21 years to pay this off minimum payments only without any purchases. Good luck with that not any purchases thing. This is at a 30% interest rate of death. Talking about a four missed payments this year so far, four late payments. In fact, these missed payments, that's probably what's, you've had missed, missed, missed payments, and that's what's hitting your credit.

• 1:21:41Speaker 03

  And that was part of the whole credit consolidation situation.

• 1:21:46Caleb Hammer?

  Oh, your credit's fucked. And then about a thousand dollars in interest this year so far. So what are we at? 3,000? No, no. Yeah, 3,000 this year so far in interest, gone. It's an entire month's income for you. You've lost a month's income just on these three credit cards alone this year.

• 1:22:01Speaker 03

  Yeah.

• 1:22:01Caleb Hammer?

  And you wanna move to another country? You wanna make a living off a hundred dollars a month in affiliate marketing? Uh, okay.

• 1:22:08Speaker 03

  Trying to make way more than that in affiliate marketing.

• 1:22:11Caleb Hammer?

  I know you want to. Want to isn't actually what happens, though. And I'm just talking real world. Cause it would be a disservice to be like, yes, I hope you do too. Go ahead. It's like, I'm realistic about your numbers.

• 1:22:21Speaker 03

  Yeah. No, yeah, for sure.

• 1:22:22Caleb Hammer?

  I hope you do well. I hope you blow up. Car market's not like the biggest market in the world. Some of the top creators have like a million followers. So it's like, it's not like it's still, you can do well there, but it's also very saturated already. The car, car, the car, you would have to bring something that really shakes it up. Cause I'm, I talk, I talk about this story here and there. This is not to jerk myself off. I want to be very clear. I'm just, I'm applying my situation to you.

• 1:22:44Speaker 03

  Yeah.

• 1:22:45Caleb Hammer?

  The thing is, no big finance creators were just all of a sudden blowing up and starting new things. Cause the finance industry was pretty set. Dave Ramsey doing some phone calls, Graham Stephan, Andre Jig, you know, other people like that doing, talking to the camera. I'm sure you did. That was the industry. People weren't breaking in.

• 1:23:04Speaker 03

  No.

• 1:23:04Caleb Hammer?

  We, you know, had this entire thing that came in and it was very different and it put a little in the industry and you know, we were able to be one of the first channels to really break into the industry in a long time. It's the same thing with cars. The car market industry is very saturated, very solidified.

• 1:23:20Speaker 03

  Yep.

• 1:23:20Caleb Hammer?

  You will need something completely different that has not been done before.

• 1:23:23Speaker 03

  Yeah.

• 1:23:24Caleb Hammer?

  To really break in unless people just really ultra vibe with you and the algorithm just blesses you, but that is a rarity.

• 1:23:30Speaker 03

  For sure.

• 1:23:30Caleb Hammer?

  Um, I didn't see anything on there that's like blowing my mind. Wow, wow, this hasn't been done before.

• 1:23:35Speaker 03

  Um, no, I mean, it's, it's niche in the sense that it's the classic car market. That's a bit more niche than just.

• 1:23:40Caleb Hammer?

  Which is getting you an even smaller market base.

• 1:23:43Speaker 03

  That is, yeah. Okay. Yes.

• 1:23:46Caleb Hammer?

  That's not an insult. That's a reality.

• 1:23:48Speaker 03

  No, yeah, it is, it is a small market. Um, it is, it is niche, but it, I don't know, there's, it's still a pretty big community. There are a lot of other creators that are specifically more so in classic cars that have only been doing it so long.

• 1:24:05Caleb Hammer?

  So I still don't understand your plan to break out.

• 1:24:12Speaker 03

  Right now I've been focusing on what's available in South Florida. There's a whole niche community on that, but.

• 1:24:19Caleb Hammer?

  If you're, if you're moving.

• 1:24:21Speaker 03

  Yeah.

• 1:24:22Caleb Hammer?

  Then how are we getting it?

• 1:24:23Speaker 03

  So.

• 1:24:24Caleb Hammer?

  How's this, how's this South Florida one gonna make sense when you're in Mexico?

• 1:24:28Speaker 03

  That, that part doesn't make sense, but what does make sense that I ultimately want to do is find homes, second homes for these classic cars, give them second life, you know, cars that have been on the road for 50, 40, 30 years.

• 1:24:43Caleb Hammer?

  So that's the business, not the influencer, not brand deals, not.

• 1:24:47Speaker 03

  Part of it because you have to drive traffic for any business, right? So.

• 1:24:50Caleb Hammer?

  You do, but that's different than influencer. Cause we're talking, that's marketing. That's not being an influencer. That's marketing. Sure. Sure, you can mix both, but what you're talking about is strictly marketing for a business you're trying to have. Also, if you're building these businesses, if, if this is the business.

• 1:25:06Speaker 03

  Yeah.

• 1:25:06Caleb Hammer?

  It's about building up a local group, connections, whatnot, but it sounds like you're gonna be everywhere. It sounds like you don't even know where you wanna go.

• 1:25:13Speaker 03

  I feel like this is something that I can take almost anywhere, one with my skills of being able to market it with my skills in just videography, photography, what have you, especially in the automotive space. And also with that, there are old cars all over the planet, whether they're in Mexico City or in Barcelona.

• 1:25:29Caleb Hammer?

  Yeah, but it's about connections being built up too.

• 1:25:31Speaker 03

  Uh, yeah, I mean, but there's already online marketplaces where people sell these. So I can find owners in different parts of the world anyway. That's the whole point is if I can find owners.

• 1:25:41Caleb Hammer?

  I want to find a way for you to break out in your niche. I feel like there's not a strategy here. What's your, oh, I have old cars. Okay, good. What's the breakout strategy in the niche? Again, I give you my example.

• 1:25:53Speaker 03

  I think people who are already.

• 1:25:55Speaker 04

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• 1:26:20Speaker 03

  Interested.

• 1:26:21Caleb Hammer?

  Do you have money to even do that?

• 1:26:22Speaker 03

  Um, well, no, because I'm not the one who's buying. I'd be a part of selling. Right? Because I'd be meeting with the people who already own these cars.

• 1:26:32Caleb Hammer?

  So one, you have to market.

• 1:26:33Speaker 03

  Using my platform in order to find buyers.

• 1:26:36Caleb Hammer?

  So you have to market to the people that want to sell their car first, and then you have to market to the people that want to buy the car of the person you marketed to sell the car. So you have to market to two different groups.

• 1:26:45Speaker 03

  That's where the necessity of influence is.

• 1:26:49Caleb Hammer?

  Okay.

• 1:26:49Speaker 03

  And that's also where it's different because I think.

• 1:26:51Caleb Hammer?

  But you're in a localized group, right? So right now.

• 1:26:54Speaker 03

  Now, yeah, right now I'm in a localized group. Yes.

• 1:26:56Caleb Hammer?

  Okay.

• 1:26:57Speaker 03

  Yeah, so.

• 1:26:58Caleb Hammer?

  And what's the metrics of the 2,500 people? Are they all in Miami?

• 1:27:02Speaker 03

  Uh, so.

• 1:27:03Caleb Hammer?

  You know?

• 1:27:03Speaker 03

  That's the funny thing is that not all of them are. A lot of them are in Europe and Latin America.

• 1:27:08Caleb Hammer?

  Europe and Latin America, all right.

• 1:27:10Speaker 03

  Hmm?

• 1:27:11Caleb Hammer?

  How much, what's the percentage in Miami?

• 1:27:13Speaker 03

  The percentage, I, uh, I can't give you an exact percentage.

• 1:27:17Caleb Hammer?

  Dude.

• 1:27:17Speaker 03

  But

• 1:27:19Speaker 03

  there'd be some data I'd have to look at.

• 1:27:21Caleb Hammer?

  You don't have this. I thought you said you were into your data. You know your data. You know your numbers. You know your people. You know your growth rate. But if it's, if it's, if it's all about making money in the local area, this doesn't make sense.

• 1:27:31Speaker 03

  So far, I've been just focused on developing the community, you know, building a following, finding people who are passionate about this, both locally and online. That's what I've been focused on is how do I build this community? How do I engage with them further? Because this is my most recent attempt. I would argue my first attempt at really being any type of influencer. Sure, I did YouTube when I was in high school, college.

• 1:27:55Caleb Hammer?

  Yeah, well, college, college just happened for you. Okay. So we have a Freedom Card.

• 1:28:01Speaker 03

  Yeah.

• 1:28:01Caleb Hammer?

  Two thousand seven hundred sixteen dollars and thirty one cents. Minimum payment ninety one dollars. You're purchasing a hundred seventy nine dollars and seventy nine cents. Why are you purchasing on a car that you're not paying off that is a community interest? Let's see, sixty four dollars, thirty nine cents of interest accrued.

• 1:28:16Speaker 03

  I, I've been, this has been the card that I've been reaching for in the event that I don't have money in my bank account.

• 1:28:22Caleb Hammer?

  Why do you not have money in your checking account? We saw your bullshitting spending. It was hundreds of dollars.

• 1:28:26Speaker 03

  Um, there's been some spending on bullshit and sometimes I haven't, there are needs, like I've had to, uh, pay for maintenance on my current car.

• 1:28:35Caleb Hammer?

  But it's basically maxed out. It takes eleven years to pay off if you don't even purchase and you make your minimums only. And we know you like to purchase.

• 1:28:42Speaker 03

  Um, I've been spending here.

• 1:28:45Caleb Hammer?

  This is Chick-fil-A.

• 1:28:46Speaker 03

  Yeah.

• 1:28:46Caleb Hammer?

  Cafe, cafe.

• 1:28:49Speaker 03

  I said that it was a bad habit.

• 1:28:50Caleb Hammer?

  Ginkie, McDonald's, cafe, Chick-fil-A, CSCSW, cafe, CSCSW. Okay, laundry's okay. The CFCSW?

• 1:29:02Speaker 03

  Uh, yeah, yeah.

• 1:29:03Caleb Hammer?

  You don't have a laundry machine?

• 1:29:04Speaker 03

  Uh, no, well, it's, it's in my building, so it's.

• 1:29:07Caleb Hammer?

  Okay, that's okay.

• 1:29:08Speaker 03

  Yeah.

• 1:29:08Caleb Hammer?

  Going in to get into bullshit. B two cafe, special treats, going in to get in some bullshit.

• 1:29:16Speaker 03

  I've had, had the habit, bad habit of, of getting some bullshit and eating out.

• 1:29:20Caleb Hammer?

  Yeah, no shit, you have a bad habit, but your goal is to move.

• 1:29:23Speaker 03

  And I've been cutting back on that, yeah, of course.

• 1:29:24Caleb Hammer?

  You don't even, you don't even know where you want to go. This makes no sense, dude. How many, Bird, Amish Foods? Rides guys Las Vegas?

• 1:29:33Speaker 03

  I got, I had gotten the money back on that. That was like a course I was considering. I was like, ah, no, fuck that. And I got, I got the money back on that.

• 1:29:41Caleb Hammer?

  Cafe.

• 1:29:42Speaker 03

  Yeah. Yeah. Some of those things also.

• 1:29:44Caleb Hammer?

  You've had a late fee this year. You've had a late fee this year.

• 1:29:47Speaker 03

  Uh, on that card? I mean, I've had a late fees on a few of my cards.

• 1:29:50Caleb Hammer?

  By the way, wasn't this the bad habit that the fiance was upset about? And you're like, oh, I'm not gonna do that much anymore, or at least I'm gonna communicate it home. So she knows about every single one of those purchases.

• 1:30:00Speaker 03

  She knows, she knows about those. That was, those are the last month she knows about that.

• 1:30:03Caleb Hammer?

  $500 in interest. So where we at? Like, we're at like $3,500 of interest this year so far. So a single, more than a whole month of your work, all the work you did last month, every single hour you put in, all the hours you didn't want to wake up, all the hours you were tired of work, all those hours, gone. It was just to pay interest on things you've already purchased.

• 1:30:26Speaker 03

  This, this is why.

• 1:30:27Caleb Hammer?

  It wasn't future purchasing.

• 1:30:28Speaker 03

  This is why I was looking for, you know, ways to save money on the interest. And then I ended up in the whole, you know, credit consolidation. Bullshit. Uh, yeah, yeah. It's a situation that, uh, I, I need to handle between budgeting and, uh, and maybe giving ourselves more time. Where possible, for this goal.

• 1:30:52Caleb Hammer?

  Yeah.

• 1:30:53Speaker 03

  Or goals.

• 1:30:58Speaker 03

  But yeah, that card, I had been reaching for, for that one, especially because I had to, uh, you know, invest in maintenance for the current car after selling the old one.

• 1:31:06Caleb Hammer?

  What old one did you sell?

• 1:31:07Speaker 03

  I, I sold the car that, uh, that she was.

• 1:31:09Caleb Hammer?

  The one that she didn't like?

• 1:31:10Speaker 03

  That she didn't like, I sold it.

• 1:31:13Caleb Hammer?

  What is your current car?

• 1:31:15Speaker 03

  I, I drive a 2001 Camry. I bought it used on Marketplace for like $3,000 after.

• 1:31:20Caleb Hammer?

  Oh, yeah. I mean, we're getting worth like 2160, 20, 21, 26. What made you sell the other car?

• 1:31:26Speaker 03

  Well, for one, I had, I, I, it, it ended up just being too much between payments and insurance because it was a luxury car. It was an SUV. It wasn't great on gas.

• 1:31:34Caleb Hammer?

  What, what was the purchase price on that car? What did you even get it for?

• 1:31:36Speaker 03

  It was, it was 12,000, 12,500.

• 1:31:40Caleb Hammer?

  It's not that bad. It's usually what I would advocate for, for like a used car.

• 1:31:44Speaker 03

  It wasn't insanely high, but after how much money I had to put towards the debt and.

• 1:31:50Caleb Hammer?

  What, that, this debt, the rest of the debt?

• 1:31:52Speaker 03

  This debt, yeah. Because I, it didn't get like this overnight. It was already pretty bad before I even got that car.

• 1:32:00Caleb Hammer?

  Okay.

• 1:32:01Speaker 03

  Yeah, so, so, I, I mean, I was paying like 350 on the payment, over 200 insurance, after gas and everything, like, I'm talking about like 700 dollars a month. So, um, that, and she, yeah, she, she, even though it was a nice car and it wasn't the worst deal on a new car, um, she felt like this wasn't the right time to be investing into a car like this.

• 1:32:27Caleb Hammer?

  It's not investing into a car, I mean, a used car, like, how much you're gonna have to put into this car to keep it going, is the thing. Because like, I'm like, yeah, like, eight to 10,000 hour car, approved by multiple mechanics, it gets you to the place where you can drive it for a few years while you're getting out of the rest of your day. I'm not saying get a 20,000 hour car, but I also don't want you to get a 3,000 hour car clunker that you, in order to just get to your job, requires you to put in 2, 3, 4, 5,000 dollars, honestly, when you don't have it.

• 1:32:52Speaker 03

  No, no, no.

• 1:32:53Caleb Hammer?

  Do you know, how long have you had this car?

• 1:32:55Speaker 03

  I've had it, let's see, I got it in April.

• 1:32:57Caleb Hammer?

  Okay.

• 1:32:58Speaker 03

  So it's been about four months. Not long, not long, um, but I did get it inspected, um...

• 1:33:03Caleb Hammer?

  95 dollars in the savings account, or this checking account, but they're saying you use this as your savings account.

• 1:33:11Speaker 03

  I, I mainly use that account to pay the credit cards and I'll put money aside in there, typically not much.

• 1:33:15Caleb Hammer?

  It's gone up from 43 dollars to 95.

• 1:33:18Speaker 03

  Yeah.

• 1:33:19Caleb Hammer?

  Uh, Pix Osho Singapore card?

• 1:33:22Speaker 03

  I don't know what that is. Sing- Singapore, what?

• 1:33:25Caleb Hammer?

  Uh, I don't know, it looks like maybe a transaction fee. Okay, and then this checking account, this looks like the spending checking account, 69 dollars, 46 cents.

• 1:33:33Speaker 03

  Yeah.

• 1:33:34Caleb Hammer?

  Went and got some bullshit, hummingbird, Spring Hill, Rural King.

• 1:33:39Speaker 03

  I think those are just the farmer's market.

• 1:33:42Caleb Hammer?

  Why'd you go, oh, fuck you, farmer's market's more expensive than you can afford?

• 1:33:46Speaker 03

  We do, we go, I swear, we do our grocery shopping, support local businesses, yeah.

• 1:33:49Caleb Hammer?

  Dude, support your future goal. Yeah, I mean, you can support everything you want, but you kinda have to focus when you have a limited income source on what you wanna support. I wanna pay off debt, I wanna get a fully furnished, I want you to get to where you wanna move to. You can do that, or you can go and spend more on everything you wanna do, and if you choose that, that's fine, I'll support that as well, but choose what you wanna do. You can't do it all.

• 1:34:10Speaker 03

  Nah.

• 1:34:11Caleb Hammer?

  You, you can't do it all, mathematically.

• 1:34:16Caleb Hammer?

  Farmers market, farmers market, going in, gets a bullsh- Hulu, Spotify, ah, Peacock, oh, and he overdrafted to get Peacock!

• 1:34:23Speaker 03

  No, no, no, no, no, no, no.

• 1:34:24Caleb Hammer?

  Yes?

• 1:34:25Speaker 03

  No, that, that, that happened at the same time as my insurance payment, because my, my insurance on my car went up.

• 1:34:29Caleb Hammer?

  Guess what? Insurance made it overdraft.

• 1:34:31Speaker 03

  I got the overdraft fee back, by the way.

• 1:34:32Caleb Hammer?

  Insurance made it overdraft, and then Peacock made a second overdraft.

• 1:34:35Speaker 03

  I made, I got both of those back.

• 1:34:36Caleb Hammer?

  Great, which, yes, you can do when you put in the right money, but it's indicative of your behavior and spending. Why should we be having Peacock when we can't pay our debt when we're in the edge of being?

• 1:34:46Speaker 03

  I've gotten back and forth with canceling subscriptions.

• 1:34:48Caleb Hammer?

  But you have it right now, dude, and it's what made you overdraft. Apple bill, McDonald's, Esqueroos? Going in and getting into bullsh- who gives a crap?

• 1:34:58Speaker 03

  That's, that's TP. It's toilet paper.

• 1:35:01Caleb Hammer?

  Toilet paper? A hundred dollars a toilet paper?

• 1:35:03Speaker 03

  Uh, it lasts for a while.

• 1:35:04Caleb Hammer?

  Better?

• 1:35:05Speaker 03

  Yeah.

• 1:35:05Caleb Hammer?

  Cause TP fund is like a hundred dollars a person. Okay, which is anything else you need to survive, outside of food and all the rest of the stuff we do. Cafe, spicy, nice pepper, fruitful place.

• 1:35:17Speaker 03

  That's still farmer's market, yeah.

• 1:35:19Caleb Hammer?

  Yeah, it's still.

• 1:35:20Speaker 03

  A bi-weekly thing.

• 1:35:21Caleb Hammer?

  Dude, this is so stupid. Julian's, Julian's, booby, booby, I don't know. Going in and getting into bullsh- selling out money, Miami, old school AMC.

• 1:35:28Speaker 03

  On my haircut.

• 1:35:28Caleb Hammer?

  Adobe for our twelve thousand, twelve, what is it? Two hundred fifty?

• 1:35:33Speaker 03

  Well.

• 1:35:33Caleb Hammer?

  Two thousand five hundred dollars.

• 1:35:34Speaker 03

  I also use Adobe for my day job, which I've been trying to get them to pay for.

• 1:35:37Caleb Hammer?

  Well, then they should pay for it, or else you shouldn't do it.

• 1:35:39Speaker 03

  I agree.

• 1:35:40Caleb Hammer?

  Uh, okay, that's, that's laundry, that's fine. Cafe, out of the closet.

• 1:35:46Speaker 03

  That's a thrift store, believe it or not. Yeah, yeah, they're money, they're money those days.

• 1:35:50Caleb Hammer?

  Zou, art smoke, team water, and again, I'm good with charity, but it doesn't make sense to give to charity. Cause you could give so much more to charity over the lifetime of your life. If you actually buckle down, get out, have a fully funded emergency fund, and then you can mathematically give more to charity than just a little bit here and there while you're trying to survive. I got a team water, that's great, good cause, but like, you can give so much more longer.

• 1:36:09Speaker 03

  Okay, sure.

• 1:36:10Caleb Hammer?

  AMC, Chick-fil-A, Google One, Wendy's, and Cafe. Also, no, yes, you may have gotten that sixty-eight back, but you paid an initial sixty-eight this year so far in overdrafts.

• 1:36:23Caleb Hammer?

  Okay, Robin Hood 67, so I guess that's a retirement.

• 1:36:26Speaker 03

  I recently started that. Yeah.

• 1:36:31Caleb Hammer?

  Okay, this is silly. I don't really get it. Let's make a budget.

• 1:36:39Speaker 03

  Please.

• 1:36:42Caleb Hammer?

  Alright, we got you a 3,300 for your income.

• 1:36:44Speaker 03

  Yep.

• 1:36:45Caleb Hammer?

  Debt payments, 459.

• 1:36:48Speaker 03

  Okay.

• 1:36:48Caleb Hammer?

  What's your mortgage? Your portion of your rent, sorry.

• 1:36:51Speaker 03

  Uh, 900 is what I pay.

• 1:36:52Caleb Hammer?

  Okay, 900. Uh, utilities, everything combined, your portion, internet as well.

• 1:36:59Speaker 03

  About 100 bucks, yeah, between internet and electric.

• 1:37:02Caleb Hammer?

  Good. Gas, vroom vroom, drive, drive?

• 1:37:05Speaker 03

  I'll say about 150.

• 1:37:07Caleb Hammer?

  Okay. Car insurance?

• 1:37:09Speaker 03

  Uh, just lower that to 64.

• 1:37:11Caleb Hammer?

  64, okay.

• 1:37:12Speaker 03

  Yeah.

• 1:37:13Caleb Hammer?

  Uh, food, you can do 300 to the pile, TP fund, 75 to the pile. Subscriptions, I'll give you 40.

• 1:37:26Caleb Hammer?

  And I can give you some fun money. I'll give you like 100. With $190 of fun money, I can still have you at $1,000 left over, which, do the math, pays it off in 22 months.

• 1:37:37Speaker 03

  That'd be great.

• 1:37:37Caleb Hammer?

  22 months. So we're talking two and a half years. Yeah, your debt's gone and you're in a fully funded emergency fund situation. Do that and then move. But we're not moving yet. We're not traveling yet. That's, I mean, this is where we're at, buddy. You just have to choose what you want.

• 1:37:52Speaker 03

  Yeah, I mean, I, we want to move hopefully sooner rather than later, but you know, the...

• 1:37:59Caleb Hammer?

  Well, here's what we're gonna do.

• 1:38:00Speaker 03

  The money may not be there in five months.

• 1:38:02Caleb Hammer?

  We're gonna call your girlfriend in the post-show and you are gonna tell her no more traveling. I heard she might be pretty upset about that because she refuses to give up travel. But you're gonna tell her that.

• 1:38:10Speaker 03

  Yeah.

• 1:38:11Caleb Hammer?

  Okay, well, we'll call her. Let's get her Hammer Financial Score. But before that, again, join Hammer Elite. Click that join button or link in the description below. And with that, three premium shows posted every day, Monday to Friday, including the post-show for this episode. Spending a budget? Well, you overspent. So you're on a 10. Debt? No collections, but it's just not the worst. Oh, but you're behind on debt, so one on a 10. That was gonna be like a two or three, but no. Emergency fund, nothing, 010. Retirement, that's, I'm not gonna consider that, 010.

• 1:38:39Speaker 03

  Barely started.

• 1:38:40Caleb Hammer?

  Real estate, no, 010. Wow, okay. Well, barely rounded up, 0.5 out of 10. Guys, I'm gonna call the girlfriend. He's gonna tell her no traveling. Put his foot down. I'll see you in the post-show. Join Hammer Elite below.

• 1:38:52Speaker 03

  We just need to at least cut back. Like, we can't travel like the way we have been. What about the memories? That's not showing up in reality. It sounds really, really selfish that you can travel your way to McDonald's and Chick-fil-A and stuff, but then you're saying no to getting on a flight? Like, it's not adding up.

• 1:39:12Caleb Hammer?

  Dylan told us that you guys were considering moving internationally in five months.

• 1:39:18Speaker 03

  Oh, my God. Did he really say that?

• 1:39:20Caleb Hammer?

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

• 1:39:29Speaker 05

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