I Wasn't Expecting This... Transition… | Financial Audit

▶This is INANE- I bring the wife into the post-show, and it goes *NUCLEAR* - Watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶▶Download my *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. This comes with automatic account connections, my budget-friendly cookbook, an online community, and exclusive discounts on my products- change your financial future *NOW* ▶▶▶ *AND REMEMBER* those who sign up for Simpler Budget Premium *annual* get a signed versions of the Cook Book and Simpler Budget Founders Edition Journal, just send proof of annual here: https://tally.so/r/3xzPq5 Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 Want an inside look at my investment portfolio? Follow me on Blossom Social to see how it’s broken down! 📊💰👉 https://blossomsocialapp.page.link/calebhammer ▶▶▶Download my *budgeting app* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay ▶ Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ___________________________________________ ▶EDUCATION: *FINANAL LOW PRICE CHANCE* 1. *LAST CALL FOR 40% OFF TOTAL DISCOUNT* Bundle my budgeting, debt, investing and real estate program https://calebhammer.com/classpack/ 2. *LAST CALL FOR 25% OFF* The best budgeting program online: https://calebhammer.com/budget 3. *LAST CALL FOR 25% OFF* Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing 4. *LAST CALL FOR 25% OFF* Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula 5. *LAST CALL FOR 25% OFF* Everything you need for buying your first home to buy your first investment property: https://calebhammer.com/realestate/ 6. Get your own free Hammer Financial Score: https://www.calebhammer.com ___________________________________________ ▶RESOURCES 1. Checking & Savings: Get up to 3.80% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link 2. Click this link https://j.moomoo.com/Caleb to get up to $150 in Cash Rewards from moomoo U. S when you make a qualified deposit + earn 8.1% on uninvested cash for a limited time for new users!! Terms and Conditions apply. Securities are offered through Moomoo Financial Inc. (MFI), Member FINRA/SIPC. The creator is a paid influencer and is not affiliated with MFI and their experiences may not be representative of other moomoo users. Investing is risky. 3. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 4. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer 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. Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today! 7. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/ 8. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 9. Therapy: Make SonderMind your mental health home in 2025. Sign up at: https://pages.sondermind.com/caleb/ 10. Build you own stan store: https://www.stan.store/?ref=CalebHammer 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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• 0:30Speaker 01

  Your sausage McMuffin with egg didn't change, your receipt did. The sausage McMuffin with egg extra value meal includes a hash brown and a small coffee for just $5. Only at McDonald's for a limited time.

• 0:42Caleb Hammer?

  Price and participation may vary. Promotion pricing may be lower than meal pricing. To watch episodes of Financial Audit a week earlier, check us out on YouTube. So what does a better life look like?

• 0:50Speaker 03

  Be able to have my top surgery.

• 0:52Caleb Hammer?

  Top surgery?

• 0:53Speaker 03

  I'm a trans guy.

• 0:54Caleb Hammer?

  Interesting. How much does that cost?

• 0:57Speaker 03

  $1,000 to do it.

• 1:00Caleb Hammer?

  You're not getting a [bleep] check in the account!

• 1:03Caleb Hammer?

  Download my new Simpler Budget app today and take control of your money once and for all. And as an extra limited time only bonus, I will give you a signed version of my budget friendly cookbook for free when you sign up for Simpler Budget Premium Annual.

• 1:19Speaker 03

  Hey, this is Sam. I'm 31 years old. I live in Atlanta, Georgia, and this is Financial Audit.

• 1:25Caleb Hammer?

  Thanks for coming over from Atlanta. That's a pretty good trip. What do you do there for a living?

• 1:31Speaker 03

  I'm a project manager slash sales guy.

• 1:34Caleb Hammer?

  Oh, that's an interesting...

• 1:37Caleb Hammer?

  That's two jobs, but okay. So you better be making money. How much you making?

• 1:41Speaker 03

  For a year, $82.

• 1:43Caleb Hammer?

  Yeah, okay, that's money. How you feeling living on Atlanta at $82,000 a year?

• 1:49Speaker 03

  I think it should be better, but...

• 1:51Caleb Hammer?

  Living there or making more money?

• 1:53Speaker 03

  Making more money would be better. Because I have a problem with my job right now and he doesn't pay me on time. It should be better.

• 2:02Caleb Hammer?

  Wait, okay, you make $82,000. How much of that actually comes in?

• 2:06Speaker 03

  I mean, it does come in $82,000, but the way that is coming in, he split everything.

• 2:12Caleb Hammer?

  What does that mean?

• 2:13Speaker 03

  So if, for an example, if I get, I have a base salary. So it's $1,150 per week, but he doesn't pay me every week.

• 2:23Speaker 03

  So he's like fourteen days behind, sometimes sixteen.

• 2:26Caleb Hammer?

  How often?

• 2:27Speaker 03

  Uh, four years.

• 2:28Caleb Hammer?

  Okay, four years?

• 2:30Speaker 03

  Yeah.

• 2:30Caleb Hammer?

  No, I'm saying, how often is he late, though?

• 2:33Speaker 03

  Uh.

• 2:34Caleb Hammer?

  Every paycheck?

• 2:35Speaker 03

  Yeah, every paycheck.

• 2:36Caleb Hammer?

  Okay, well, maybe you're leaving the job at that point. I'm gonna be honest, we once, in the history of the show, had a week called Fat Stack Week. It was the thickest paperworks, thickest stack of paperworks, and I don't go through the paperwork anymore beforehand. So I like to go in blind with the audience and go through the experience with them. And when I sat down here, I was quite surprised, because this is a lot of fucking paper, dude. You belong in that week. What are you doing here? What's going on? What are we talking about?

• 3:09Speaker 03

  I really wanna give my wife a very good life. Um, our, our.

• 3:13Caleb Hammer?

  Yep. Cool, how long have you guys been married?

• 3:15Speaker 03

  Um, this year's gonna be five years.

• 3:17Caleb Hammer?

  Wow, okay, very cool. Any kids?

• 3:19Speaker 03

  Nope.

• 3:20Caleb Hammer?

  So what does a better life look like?

• 3:21Speaker 03

  Be able to have my top surgery. Be able to.

• 3:25Caleb Hammer?

  Top surgery?

• 3:26Speaker 03

  Top surgery.

• 3:28Caleb Hammer?

  Like top surgery?

• 3:30Speaker 03

  Top surgery.

• 3:30Caleb Hammer?

  Like trans?

• 3:31Speaker 03

  Yes, I'm a trans guy.

• 3:33Caleb Hammer?

  Interesting.

• 3:35Speaker 03

  Yeah.

• 3:35Caleb Hammer?

  Oh.

• 3:36Speaker 03

  Don't look like.

• 3:37Caleb Hammer?

  No, I mean, well, congratulations, you've done that very well. Uh, successfully made it to the other side, it seems. I have no idea. Okay. Well, I honestly, this was years ago, but I had someone on the show, it pretty much their entire financial life just to get top surgery, I think, or.

• 3:55Speaker 03

  That's a lot of money.

• 3:56Caleb Hammer?

  One of the surgeries, I, I don't, I don't know which one at that point. No, that was, that was.

• 4:00Speaker 03

  Probably top surgery.

• 4:02Caleb Hammer?

  No, that one came from man to woman. You went from man, woman to man.

• 4:05Speaker 03

  Woman to man, yeah, I always joke about, like, I had to come out twice.

• 4:09Caleb Hammer?

  What?

• 4:10Speaker 03

  Like, I always joke about, like, how I have to come out of the closet twice.

• 4:13Caleb Hammer?

  Why?

• 4:13Speaker 03

  Being a lesbian and being a trans guy.

• 4:16Caleb Hammer?

  Oh, my goodness. Yes, the world's very confusing. Okay, yeah, sure. How much, how much does that cost?

• 4:22Speaker 03

  Around twenty grand, because I have to be at home at least three weeks, because not working, I have someone to be with me.

• 4:29Caleb Hammer?

  Pay time off?

• 4:31Caleb Hammer?

  No paid time off in this job.

• 4:32Speaker 03

  Never.

• 4:33Caleb Hammer?

  How structured is this job? It doesn't really make sense to me. You get paid a lot of money, but you rarely pays it. You don't have paid time off. I'm just like, I'm like, you've been there for four years.

• 4:45Speaker 03

  So the way, the, the, the way it was, he found me on the restaurant like four years ago.

• 4:50Caleb Hammer?

  Okay.

• 4:51Speaker 03

  Um, he was trying to get my wife to work for him and then my wife like, no, I don't know you and give me his number. And then months go by, he was there again and like, hey, I really need someone to be, you know, getting calls and putting my schedule and all of that. So I gave him, um, she gave, I gave him a text like, hey, and back then I was not a trans, so I was fooling like a girl still. So I gave him my original name. Like, hey, this is wife of Tarara. And then he's like, okay, meet me here, five thirty in the morning.

• 5:20Caleb Hammer?

  Wait, you guys were married?

• 5:22Speaker 03

  Yeah, we were married, yeah.

• 5:23Caleb Hammer?

  Wait, so she married a chick?

• 5:25Speaker 03

  Yeah.

• 5:25Caleb Hammer?

  What does she think about, like this whole thing?

• 5:28Speaker 03

  But her parents on the beginning, like I was the first chick that she had. Let's say like, she was always straight. She was always with guys in Brazil, cause she's from Brazil as well.

• 5:38Caleb Hammer?

  Yeah.

• 5:38Speaker 03

  So when we met and

• 5:40Caleb Hammer?

  So it works, I guess.

• 5:42Speaker 03

  We met and I was working on the restaurant. I was a manager of this Brazilian restaurant.

• 5:46Caleb Hammer?

  Yeah.

• 5:47Speaker 03

  And then she was there being a regular, just visiting her cousin that lives in Atlanta as well. Um, she was in and out and I'm like, hey, you know, you look nice. You look cool. Why you don't work here? Do a little bit of money, go back to Brazil with a chunk of money. It's like, okay, are you gonna give me that job? I'm like, yeah. So months go by.

• 6:02Caleb Hammer?

  Are you like a butch lesbian?

• 6:04Speaker 03

  Yeah.

• 6:05Caleb Hammer?

  Yeah.

• 6:05Speaker 03

  Yeah, like.

• 6:06Caleb Hammer?

  I could say, cause you already got like the, you got the dude energy on you. So I feel like you're kind of like a, you know.

• 6:13Speaker 03

  But I was only like that when I moved to United States, like when I was away from my parents, I actually like

• 6:18Caleb Hammer?

  Brazilian.

• 6:19Speaker 03

  Yeah.

• 6:19Caleb Hammer?

  You got the BBL, yeah, all the goodies.

• 6:22Speaker 03

  Yep.

• 6:22Caleb Hammer?

  Shirt. Okay, so we're trying to save up for a twenty thousand dollar booby go bye-byes?

• 6:28Speaker 03

  Yep.

• 6:28Caleb Hammer?

  Okay.

• 6:28Speaker 03

  That and, um, I wanna take, uh, I might say this, ovary, like the ovary, oh.

• 6:35Caleb Hammer?

  We're taking out the O's?

• 6:36Speaker 03

  Yeah.

• 6:37Caleb Hammer?

  The eggs?

• 6:38Speaker 03

  Yep, yep, cause I'm not gonna be, I'm not gonna get pregnant or anything like that. So I'm just gonna take that out.

• 6:43Caleb Hammer?

  But you don't want to?

• 6:43Speaker 03

  I don't want to. Yeah. We don't want to.

• 6:47Caleb Hammer?

  Right. Well, I mean.

• 6:50Caleb Hammer?

  Yeah, I mean, that makes sense. I guess you would have to have someone else.

• 6:53Speaker 03

  To do this.

• 6:54Caleb Hammer?

  Yeah. Yeah, at the point, okay, so we're scrambling and we're cutting. Sure. How much does that cost?

• 7:02Speaker 03

  Um, twelve, fifteen thousand dollars to do it.

• 7:07Caleb Hammer?

  For that one?

• 7:08Speaker 03

  For the search, oh, for the ovary?

• 7:09Caleb Hammer?

  Yeah.

• 7:10Speaker 03

  Um, that is around thirteen.

• 7:12Caleb Hammer?

  So we have twenty plus thirteen?

• 7:13Speaker 03

  Yeah.

• 7:14Caleb Hammer?

  So thirty, let's call thirty-five.

• 7:16Speaker 03

  Thirty-five thousand.

• 7:17Caleb Hammer?

  Okay, so we're looking for thirty-five thousand. Uh, I don't judge. I'm just here to do math. We're, we're in, we're in the math game here. Someone asked me what I want a budget for?

• 7:26Speaker 03

  And plus the time off, because she has not, she cannot work. She had to be with me and then after that.

• 7:31Caleb Hammer?

  For two weeks, though.

• 7:32Speaker 03

  Like, two or three weeks.

• 7:34Caleb Hammer?

  Did she have paid time off?

• 7:35Speaker 03

  No.

• 7:36Caleb Hammer?

  What the fuck did she do?

• 7:37Speaker 03

  She do Amazon deliver. And Instacart deliver.

• 7:42Caleb Hammer?

  Yeah, that's a, that's a full contract.

• 7:44Speaker 03

  That's the one thing that I really wish that she couldn't work with that. Um, so two thousand and twenty-two was when my mom came here and she started living with us and stuff got very tight. And, and her side of credit card, it's where we put a lot of moving, because I have to move like.

• 8:03Speaker 03

  So it was supposed to be my mom and my sister to live together, because she had a house back then, like a townhouse, so you have more space, but she got up to a divorce, like, right, like a couple of months.

• 8:11Caleb Hammer?

  How does this impact you?

• 8:13Speaker 03

  I had to move and I had to move to a bigger place, because we were living in an apartment in one bedroom. So she was bringing her dog and I'm like, I cannot have a dog in this bathroom. My mom cannot sleep on the couch, so. And the only way that I move with my mom, it's my wife putting like saying like, I will just move it, we move it in a place in a house with three bedrooms. So we have a lot of space and a yard, so the dog can be happy and all of that. So we did our research and, and like a couple of weeks before my mom getting here is where I got approved for a house. And the only way that I got approved, it's making a huge down payment and I had, and she had to create a credit card for that.

• 8:50Speaker 03

  And so most of her credit card is because we put like trucks moving and, um, the down payment, uh, maybe a couple, um, rents were there first, too.

• 9:01Caleb Hammer?

  Okay, oh, it's, I, I don't know. You're fine. It's obviously, this is an absolutely insanely thick stack.

• 9:10Caleb Hammer?

  Are you trying to say what got you into this was you had to move? Is that what you're saying? The stack of thicknesses in front of me because you had to move? Is that what I'm being told?

• 9:19Speaker 03

  In her credit card, yeah.

• 9:20Caleb Hammer?

  In her credit card?

• 9:21Speaker 03

  Yeah, in her side of her credit card, like her-

• 9:24Caleb Hammer?

  I don't care about her, who's credit card? Her credit card?

• 9:26Speaker 03

  Yeah.

• 9:26Caleb Hammer?

  Your wife's?

• 9:27Speaker 03

  Yeah.

• 9:27Caleb Hammer?

  Okay.

• 9:28Speaker 03

  Yep. And her credit-

• 9:30Caleb Hammer?

  Is her credit card in here?

• 9:31Speaker 03

  Yeah, everything is there.

• 9:32Caleb Hammer?

  Oh, this is both of you?

• 9:33Speaker 03

  Yeah.

• 9:34Caleb Hammer?

  Oh, well, I mean, you guys have been together five years and there's no kids.

• 9:37Speaker 03

  No.

• 9:38Caleb Hammer?

  We're not planning on kids.

• 9:38Speaker 03

  No, no.

• 9:39Caleb Hammer?

  Okay.

• 9:41Caleb Hammer?

  Okay, well, where do you think you are in the world of finances? Zero to 10, zero being the absolute worst finances, 10 being the absolute best. Where do you think you are?

• 9:51Speaker 03

  0.5.

• 9:52Caleb Hammer?

  Yeah.

• 9:53Speaker 03

  Yeah.

• 9:53Caleb Hammer?

  Watch your Hammer Financial Score, take the assessment. The link is in the description below. You can always just go to CalebHammer.com as well. If you want to come on the show, CalebHammer.com/apply. I'd be happy to have you on here. Okay, now you said you do sales. What, what do you sell?

• 10:10Speaker 03

  I sell, um, projects. So, I sell concrete, like, uh, driveway, retaining wall, pavers, stonework. So, I go to houses. Um, they call us, of course, to do an appointment. And then I do a walkthrough and see what the, the person wants to do. And then when I get home, I build the estimate up and, and send it to the client. Like, last year, I was able to sell $4 million for the, for the company.

• 10:32Caleb Hammer?

  $4 million?

• 10:33Speaker 03

  Yeah.

• 10:34Caleb Hammer?

  That's awesome. What's your commission percentage?

• 10:36Speaker 03

  Um, 1.5.

• 10:37Caleb Hammer?

  Yeah. And that 82 is that from that?

• 10:40Speaker 03

  Yeah.

• 10:41Caleb Hammer?

  Okay, so 82. I mean, I have, oh, this is with your wife combined?

• 10:47Speaker 03

  Yeah.

• 10:48Caleb Hammer?

  I have the household income at $10,788 from the last month. Right?

• 10:53Speaker 03

  Yep, yep, yep.

• 10:54Caleb Hammer?

  That's not bad. It's over six figures, 120, right?

• 10:56Speaker 03

  It is not bad, but-

• 10:58Caleb Hammer?

  120 is great.

• 10:59Speaker 03

  Yeah, yeah, it's great. I sure, I have, I want more, of course.

• 11:02Caleb Hammer?

  Sure, but that's close to like median, double median, the household income in the entire United States.

• 11:07Speaker 03

  I don't know that.

• 11:08Caleb Hammer?

  Yeah.

• 11:08Speaker 03

  Yeah.

• 11:09Caleb Hammer?

  Yeah.

• 11:09Speaker 03

  Yep.

• 11:10Caleb Hammer?

  The median household.

• 11:11Speaker 03

  The, the amount that I had to spend to work for him is insane.

• 11:14Caleb Hammer?

  Do you get it reimbursed?

• 11:15Speaker 03

  Never.

• 11:16Caleb Hammer?

  Do you, are you a contractor?

• 11:18Speaker 03

  Yes, I 1099.

• 11:19Caleb Hammer?

  So, you can write it off?

• 11:20Speaker 03

  So, I-

• 11:21Caleb Hammer?

  Deduct, write it off?

• 11:22Speaker 03

  The only thing that the lady, when I do the, the taxes, she write off is just my miles.

• 11:26Caleb Hammer?

  Well, why, why not more? Do you, maybe your CPA is shit? Maybe you get a different CPA? Why do we stick with the lady?

• 11:32Speaker 03

  I, I, we change it this year. We're gonna change this year.

• 11:35Caleb Hammer?

  Yeah, I mean, wait.

• 11:37Speaker 03

  We're gonna change later this year.

• 11:38Caleb Hammer?

  Do you file quarterlies?

• 11:40Speaker 03

  Um, no.

• 11:41Caleb Hammer?

  I mean, that would, okay. Okay, 10,000 came in.

• 11:49Caleb Hammer?

  You're both contractors, so we're setting aside money for taxes.

• 11:52Speaker 03

  No.

• 11:53Caleb Hammer?

  Kay, how long have you been, you've been doing this for four years? How was 2023's taxes?

• 12:00Speaker 03

  Uh, how much I had to pay?

• 12:02Caleb Hammer?

  Did you pay them?

• 12:03Speaker 03

  Um, I paid them monthly.

• 12:05Caleb Hammer?

  Huh?

• 12:06Speaker 03

  So it's, um.

• 12:07Caleb Hammer?

  You still pay them?

• 12:07Speaker 03

  Yeah, I still pay them.

• 12:08Caleb Hammer?

  You still pay that? See, and but why would we then not start saving for the taxes we're doing now? If, if we're already paying previous taxes monthly, why do we want to continue stacking that up with having to pay?

• 12:20Speaker 03

  It's very hard. It's hard to do budget when you're not getting paid, man. It's like, it's.

• 12:24Caleb Hammer?

  Yeah, but you are getting paid. You're not getting paid on time.

• 12:26Speaker 03

  But, but whatever.

• 12:27Caleb Hammer?

  Which does suck, and I do empathize with that, but you still, you put, you put the, listen. Have to pay taxes without getting paid. Get that. Okay. Uh, you only save for taxes when you get paid. So, listen, making a payment on a rent, like if for some reason you don't get paid once that entire month, but you get paid five times the next month because the dude fucked up. Yeah, that sucks. That sucks. But you only put aside money for taxes once you get paid. So it doesn't matter when you get paid. If you get paid once a month, you set 30% aside from that away.

• 13:01Speaker 03

  But when he pay me, it's already, a lot of fees already gone. Like I have.

• 13:05Caleb Hammer?

  Fees?

• 13:05Speaker 03

  Yeah, like for my credit card that I'm trying to do minimum payment. So and then enter, and so fees come in and then I had to pay that and then, um, for whatever fees that I, we have, like a rent or, um, water or.

• 13:20Caleb Hammer?

  Yeah, expenses, but you can control some of those, the rent, you know, you can choose what rent you have.

• 13:26Speaker 03

  I feel I'd never have money on my bank account one day.

• 13:28Caleb Hammer?

  Probably because you blow it all and you're stupid about it. Listen, you made 2,000, 10,400 for the household last month. How much did you guys spend as a household?

• 13:38Speaker 03

  Probably that.

• 13:39Caleb Hammer?

  No, you spent sixteen thousand. Yeah, you spent sixteen thousand. So I don't have money? Who would have thought I wouldn't have money? If you spend sixteen thousand? Let's talk about student loans. I know it's something we all want to avoid talking about, but if your private student loans are crushing you, Y Refi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and ability to repay. That's a game changer in a market where most lenders only see a number. Interest rates, under 6% guaranteed. That's practically a unicorn in student lending. Plus, they offer structured payment plans to lower your monthly bill,

• 14:22Caleb Hammer?

  and even a cosign a release program so your mom or dad can step off the hook. Y Refi is known for personal service. No faceless call centers. You get a dedicated rep that actually cares about your progress. They've got a 4.6 star rating on Google, which tells you people genuinely like working with them. So if your private loans are burying you, it's time to reach out. Y Refi wants to help you climb out of debt, not push you further in it. Check them out at yrefy.com/hammer. That is Y-R-E-F-Y dot com slash hammer, or call 888-Y-REFI-78. That is 888-Y-REFI-78. Break free from the high interest trap and get your finances under control once and for all.

• 15:06Speaker 03

  Probably because of fees, right?

• 15:08Caleb Hammer?

  No.

• 15:08Speaker 03

  No.

• 15:09Caleb Hammer?

  I mean, I don't fucking know. I mean, we're gonna go through everything, we're gonna find out. But how would you not even know? Sixteen thousand, three hundred and thirty-two cents, down to the penny.

• 15:19Speaker 03

  I have no idea how much my wife does, so I kinda...

• 15:22Caleb Hammer?

  Wait, why? You guys have been, you've been married for five years, do you not communicate? Do you not talk?

• 15:26Speaker 03

  We don't talk too much.

• 15:27Caleb Hammer?

  Why?

• 15:27Speaker 03

  We always, it's not...

• 15:28Caleb Hammer?

  Was it your accent?

• 15:30Speaker 03

  No. What do you mean, my accent?

• 15:32Caleb Hammer?

  Oh, this was a joke.

• 15:33Speaker 03

  Okay.

• 15:34Caleb Hammer?

  Why did you guys talk?

• 15:35Speaker 03

  Uh, we always get nervous. Like, we're never like... Yeah, we're never a person that knows how to deal with money, or came with people that, you know, parents...

• 15:44Caleb Hammer?

  None of us are.

• 15:45Speaker 00

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• 16:15Speaker 03

  Or just come to do money.

• 16:16Caleb Hammer?

  None of us come from parents. They know how to do things with money.

• 16:18Speaker 03

  When we try to see like, hey, can we do this? Can we do that? We are kind of with money that I will still receive. Like, oh yeah, maybe right now, like all the problems that I have with my boss, like, oh yeah. Start doing with your car and I will give you a car a couple of months. If I see you're gonna stay with me, if you're good and whatever. And I'm the only seller beside him.

• 16:36Caleb Hammer?

  Okay.

• 16:37Speaker 03

  So I always put in my head like, okay, once he gave me a car, I'm gonna sell mine. And we're gonna do more money and then we can, you know, pay all this stuff, but that never came. So I always wait, was waiting for something to happen so I can start saving money-ish? Something like that? Make sense?

• 16:52Caleb Hammer?

  Yes, I guess, but you literally spent 6,000 hours more than you guys made. So what are you waiting for?

• 16:59Speaker 03

  That's hard because vacation wise, maybe like my.

• 17:04Caleb Hammer?

  Vacation?

• 17:05Speaker 03

  No, I mean, not all of that.

• 17:06Caleb Hammer?

  Why the fuck can we go on vacation when fees are the ones destroying our lives? You said fees, like rent. It's a life fee. I assume is the way you're thinking about it, which is fine. Sure, I guess, yeah, you gotta have a roof over your head. That's a life fee. But if you can't afford that, why are you going on vacation? If you guys can't talk about money, why are you going on vacation?

• 17:26Speaker 03

  Cause when we talk about vacation, we see our, um, we kind of forget about credit cards.

• 17:31Caleb Hammer?

  Yeah, you see an escape from the real world.

• 17:33Speaker 03

  Yeah, maybe.

• 17:35Caleb Hammer?

  You guys just run away instead of actually dealing with your problems.

• 17:38Speaker 03

  It is hard to talk with her.

• 17:40Caleb Hammer?

  Why? I need to know why.

• 17:42Speaker 03

  I mean, she's not here now. She's right there. So she always.

• 17:45Caleb Hammer?

  Yeah, so tell me why.

• 17:46Speaker 03

  Well, because she, when I say something, she disagree and I think I'm right.

• 17:51Caleb Hammer?

  Now, why do you guys disagree when you're talking about money? Give me an example.

• 17:55Speaker 03

  Uh, for an example, uh, when I saw stuff like getting tight for us and I told her like, huh, look, you need to get another job, like beside the one you have to use car. So we can sell one car, use that money for pay some stuff and then we could be better. And I can pick you up and. Back and forth if you need that and she disagreed with me. She's saying that the problem. It's not her with her job in the car. It's me not getting paid in time. And um.

• 18:21Caleb Hammer?

  Huh, okay. So how do we resolve that then? How did the conversation usually go from there?

• 18:27Speaker 03

  And I tried to make her work more out more hours because she only worked from six thirty to three.

• 18:32Caleb Hammer?

  Wait, from six thirty to three?

• 18:34Speaker 03

  Yeah, and then after she doesn't do anything. She just go.

• 18:37Caleb Hammer?

  Well, six thirty three, what is that? That's still.

• 18:40Caleb Hammer?

  Eight hours.

• 18:41Speaker 03

  It's still good hours to work, but the she doesn't do that much like the only way that.

• 18:46Caleb Hammer?

  Sounds like a full day's work though. She just starts early.

• 18:49Speaker 03

  She does, but it's just not enough. Like she, I mean, she doesn't, she doesn't work the whole time. So around noon, she go home. She feed her cat.

• 18:58Caleb Hammer?

  During lunch? Isn't that the peak hour? One of the peak hours?

• 19:02Speaker 03

  I don't know.

• 19:02Caleb Hammer?

  DoorDash and stuff?

• 19:04Speaker 03

  I don't know. She doesn't deliver um food. It's um.

• 19:08Caleb Hammer?

  Well, you said Amazon and what?

• 19:09Speaker 03

  Amazon does whole foods. They pick up like grocery stuff and stuff and everything. So she go there and at noon, she stayed there for thirty minutes. If I'm there, she stay for an hour or two. And then she just worked one more hour.

• 19:23Caleb Hammer?

  Okay, so you don't think she works enough. So what do you do? You try to talk about it?

• 19:28Speaker 03

  I try to talk about it.

• 19:29Caleb Hammer?

  And what happens?

• 19:29Speaker 03

  I'm like, look, let's try to do like a resume for you and like put it out there. Maybe work on target.

• 19:35Caleb Hammer?

  So work a better job. Okay, a different job. Well, okay, and she says.

• 19:38Speaker 03

  Sell that she like, no, she said, no, it's not the problem because she don't think that she's the problem. Like she's not the whole problem, of course, if it's both together.

• 19:46Caleb Hammer?

  She just thinks the problem is not getting.

• 19:49Speaker 03

  Not getting paid in time. Me not getting paid in time. And that's why.

• 19:53Caleb Hammer?

  Well, no, I mean, obviously objectively, the problem is. I mean. You must have gotten paid on time this month because eh the month that we have, because if you're making any two thousand dollars, I mean, that makes sense with what hits your account. Combined household income at the ten thousand seven hundred eighty eight. That's not about not getting paid on time. I think it's the sixteen fucking thousand dollars you guys spent.

• 20:14Speaker 03

  We we never agree when it comes to money.

• 20:17Caleb Hammer?

  Yeah, but that that that that's math. That is sixteen thousand dollars is more than ten thousand seven hundred. I don't know if. We know this.

• 20:24Speaker 03

  Yeah.

• 20:25Caleb Hammer?

  Or not?

• 20:25Speaker 03

  But.

• 20:26Caleb Hammer?

  Okay.

• 20:26Speaker 03

  But the thing is.

• 20:27Caleb Hammer?

  All right.

• 20:28Speaker 03

  When we I could sell my car when it was a good condition still.

• 20:32Caleb Hammer?

  Car, well, it's a jump, okay.

• 20:34Speaker 03

  So I told him like, look, let's sell this car. You get a normal job, home work at Home Depot, we need um um.

• 20:41Caleb Hammer?

  Okay. Yes, you really want her to work retail, it seems. Yeah, sure.

• 20:45Speaker 03

  I mean, I don't wish.

• 20:46Caleb Hammer?

  No, I I understand.

• 20:47Speaker 03

  But she has a very good degree in in Brazil. It's a she has to do.

• 20:51Caleb Hammer?

  She's from Brazil?

• 20:52Speaker 03

  Yeah.

• 20:52Caleb Hammer?

  Okay, what's her degree?

• 20:53Speaker 03

  Um, producer in like ri- radio TV that calls.

• 20:57Caleb Hammer?

  That's a very good degree?

• 20:59Speaker 03

  I think it is. I mean, I don't have anything she has.

• 21:01Caleb Hammer?

  I mean, it's odd degree. I don't know if it's a very sought after in demand job.

• 21:08Speaker 03

  It's not, but maybe if she kind of put the work in, maybe.

• 21:11Caleb Hammer?

  Well, sure, does she apply?

• 21:12Speaker 03

  No. She I mean, I've been one year asking her like, look, let's sit down. Let's put everything together. I need to know how much you do. And the way, we don't know how much exactly. I mean, if she probably, she probably knows, but she always really found money from the app like every three days. And I tried to talk with her like do weekly. But since I don't get paid and she needed to take that money off and to buy something to uh gas. Or sometimes um it's so tight for me that I need to call him like, hey, boss. I need you to pay me at least three hundred dollars because tomorrow I will not have gas to work for you. And of course, I do a little bit of drama saying I'm I'm sick or my car needs to some to do something.

• 21:55Speaker 03

  Because that's the only way I can get the money back, like my money, that he's always. Like on my commission, he's always behind two months.

• 22:03Caleb Hammer?

  But if he's always behind two months, not listening, I'm not, I'm not uh saying he's okay for that, not even close. I'm not defending him at all. But if he's always behind for two months and you've been there for four years, aren't you? Technically, if you're always getting what happened two months ago, you're still.

• 22:21Caleb Hammer?

  You know what's coming.

• 22:22Speaker 03

  I know it's coming. I know.

• 22:23Caleb Hammer?

  Okay.

• 22:24Speaker 03

  It's coming, but.

• 22:25Caleb Hammer?

  So.

• 22:26Speaker 03

  The agreement was every fifteen days.

• 22:27Caleb Hammer?

  What? No, no, again, I'm not supporting him, but that if it is consistently two months behind. Been there for two years, like, that's not the major issue. It's it's stupid. And you should probably honestly work for someone else. I'll be honest.

• 22:44Speaker 03

  It is.

• 22:44Caleb Hammer?

  But you know what you made two months ago, what is gonna hit like that's just a budgeting thing at that point.

• 22:50Speaker 03

  I don't know how to do budgeting, so I mean.

• 22:52Caleb Hammer?

  Okay, well, you neither of you leave the studio and tell you download the simpler budgeting app. We made it specifically for you, made it for everyone in the audience, made it for me. I use it on a weekly basis. You get the premium version for free. You guys get a couple week trial, but make sure you download the simpler budgeting app. And I'll give you before you leave a founder's edition of our simpler money notebook, and I need you to journal your financial journey in there, and I'm gonna read it when you come back on the follow up channel, okay?

• 23:22Speaker 03

  Awesome. Thank you.

• 23:23Caleb Hammer?

  I'll send you guys a signed version if you are an annual member to simpler money premium. We'll ship it right to you.

• 23:30Speaker 03

  I also have a degree in Brazil, but because.

• 23:33Caleb Hammer?

  Okay.

• 23:34Speaker 03

  Because it was a very bad college, they don't exist anymore, so there's not a way I can pull up my certificate or.

• 23:43Caleb Hammer?

  You didn't get your degree before.

• 23:46Speaker 03

  I did, but I I moved here and I I thought I was never gonna use it, so I just lost it.

• 23:50Caleb Hammer?

  Honestly, a lot of places you can see you have a degree on your resume and.

• 23:55Speaker 03

  But that's I'm kind of nervous because of that, cuz I.

• 23:57Caleb Hammer?

  No, but you got the degree.

• 23:59Speaker 03

  I do.

• 24:00Caleb Hammer?

  You're not even lying.

• 24:02Speaker 03

  I do.

• 24:02Caleb Hammer?

  Yeah, just put it on your. No.

• 24:04Speaker 03

  I never worked.

• 24:05Caleb Hammer?

  No, no, no, no, just put it on your fucking resume. I don't care. Dude, just put it on your resume. That's I'm sorry that the college goes down, but put it on your fucking resume and put your experience on there as well. I need to start getting these documents cuz we'll be here for a thousand years.

• 24:18Speaker 03

  They will like ask for it. I I have.

• 24:21Caleb Hammer?

  Okay, well, don't listen to that. Someone will shoot them in the face next time they talk. I don't know. Like, I don't think they know what they're talking about. They'll ask to see it like you have to walk into the office and give them the resume.

• 24:32Speaker 03

  For Microsoft, they need people who speak Portuguese, especially in Atlanta.

• 24:37Caleb Hammer?

  Yeah.

• 24:38Speaker 03

  And they ask for it.

• 24:39Caleb Hammer?

  They asked to see the physical degree?

• 24:41Speaker 03

  Yeah. And then I lost the job.

• 24:43Caleb Hammer?

  Maybe they were getting some red flags in some areas, or maybe that's what they do with foreign? Like, I don't know.

• 24:47Speaker 03

  Most of, a lot of people that I know work there and they're like, look, you need to bring the certificate because they will not hire you.

• 24:53Caleb Hammer?

  Certification? Wait, what's the certification in?

• 24:55Speaker 03

  Uh, tech, IT.

• 24:57Caleb Hammer?

  But it's not a degree. It's so you get your certificate or something?

• 25:00Speaker 03

  Okay, I say.

• 25:00Caleb Hammer?

  Yeah, they might want to see the, the, okay, if that, that's different. If it's like a cybersecurity certification or something, if it's like a bootcamp that is specifically designed for a certain specialty, they might want proof of that specifically. Because it is, it's different than just going and getting like a BA in fine arts, right? You're going through a bootcamp, yeah, that might make sense to send proof of record for there. Maybe they also, as they do the background checks, maybe those don't automatically pop up like a degree would. So I could see that as making sense. Listen, I'll give you a course career certification of your choice. Just go through that. There's a lot of tech ones on there. So if for some reason yours is a struggle, just go ahead and get one of those. I gotta jump into these cars, man. Okay, so a firm. What the are we doing?

• 25:44Speaker 03

  So a firm, there's a lot of, um, furniture. Um, that happened when we, we have to move to a big house when my mom was here.

• 25:52Caleb Hammer?

  The big house, when?

• 25:53Speaker 03

  Um, two thousand twenty-two.

• 25:55Caleb Hammer?

  This, you, this is a five, three-year-old a firm?

• 25:59Speaker 03

  I mean, most of them, yeah.

• 26:01Caleb Hammer?

  It's a firm. People get this for like four payments.

• 26:06Speaker 03

  But we still pay. I, I think I'm.

• 26:08Caleb Hammer?

  What are you talking about, dude? I see caffeine army, cappuccino, uh, ship station. What the are you talking about?

• 26:14Speaker 03

  Oh, I didn't know my wife put that stuff up there. An affirm?

• 26:18Caleb Hammer?

  The first document you don't even know.

• 26:20Speaker 03

  I thought she was doing a debit card.

• 26:22Caleb Hammer?

  Oh, my gosh. Oh, my gosh. Oh, my gosh. No, it was all finance card because you guys don't have the money because you spent sixty thousand, even only ten thousand, seven hundred comes in. Oh. Okay, yeah, this is the danger of not talking. This is the danger of not communicating. I don't care if you guys don't always agree or disagree on what the solution is, but we at least need to know where the money is going. Money is going. We can't agree or disagree about that.

• 26:45Speaker 03

  I found out.

• 26:45Caleb Hammer?

  Because this is where the money is going.

• 26:47Speaker 03

  I found out that we split her rent, we are rent, and I didn't know about that. Like she

• 26:53Caleb Hammer?

  Why is she, why, why, why, why are you guys doing things? Well, no, no, no. Why are you guys doing things to your household financially without talking to each other?

• 27:01Speaker 03

  Well, she told me once, um, cause last year we had to bring her parents here to, to get a visit, like visit and do a vacation.

• 27:07Caleb Hammer?

  Okay.

• 27:08Speaker 03

  And

• 27:08Caleb Hammer?

  Why?

• 27:10Speaker 03

  Because her, their visa will expire this year and that

• 27:13Caleb Hammer?

  Okay.

• 27:14Speaker 03

  And they will not be able, maybe like there's a big chance they will not be approved to renovate that one.

• 27:19Caleb Hammer?

  Why?

• 27:21Speaker 03

  Um, I really don't know why, but that's how.

• 27:24Caleb Hammer?

  Well, then I don't believe you.

• 27:25Speaker 03

  Because they've never been here. So they, they have like a visa for 10 years and I think if you never use it in 10 years, it will be difficult to prove to them to get approved. Like, well, you've never been there in 10 years.

• 27:36Caleb Hammer?

  Well, that's an actual answer.

• 27:38Speaker 03

  So we agree saying like, look, we're going and that's where we have a little bit of fight, but in the end I agree and it's our fault, my fault as well.

• 27:48Caleb Hammer?

  Wait, but did you guys pay to bring them?

• 27:50Speaker 03

  Yeah, we had to pay.

• 27:51Caleb Hammer?

  But it's their vacation. Why are you bringing?

• 27:53Speaker 03

  They don't have money. They don't have money at all.

• 27:56Caleb Hammer?

  Like they You don't have money.

• 27:59Speaker 03

  But we could pay for the, for the vacation.

• 28:02Caleb Hammer?

  I saw an insane number and it's nothing, it's nothing beneficial. Yeah. 60,000 hours of bad debt. You have negative money. You don't just not have money. You have negative money. So I don't know what the we're talking about.

• 28:14Speaker 03

  Pay everything before.

• 28:16Caleb Hammer?

  You put it on credit.

• 28:18Speaker 03

  We probably did cash flow and affirm sometimes maybe to, to.

• 28:23Caleb Hammer?

  Okay.

• 28:24Speaker 03

  But most of the time, but when they got here, the thing was m- more than 80% was paid. So I told her like, look, if you really want to bring them, we need to work a lot. I need you to do extra hours and everything. So we can bring them and that's the only way.

• 28:40Caleb Hammer?

  And let me guess, she didn't?

• 28:41Speaker 03

  She did. No, she did. She did. She, she was like working a lot and she bring a good money. But, and then after they came, we, she just, we just came back to the same thing and, um, it was a lot. It was very expensive and I feel bad because, um, We took them also in Atlanta, so they can, they know where we live and everything and my, I bring my mom, but her, my mom paid for her stuff.

• 29:06Caleb Hammer?

  Wow, an adult.

• 29:07Speaker 03

  But when it comes to food, my wife was feeling bad because we were paying for her parents and she's like, look.

• 29:12Caleb Hammer?

  What the, what the, okay, cool, awesome. Yeah, she's getting caffeine army, cappuccino on this right now.

• 29:18Speaker 03

  That's good. That's helped me so much with my work.

• 29:21Caleb Hammer?

  You're affirming it and paying interest on it.

• 29:22Speaker 03

  I didn't know about that. I thought.

• 29:23Caleb Hammer?

  Well, guess what you are? Because you guys don't talk because.

• 29:26Speaker 03

  When I talk.

• 29:26Caleb Hammer?

  No, no, no, no, no, no, no, no. It's not even about not talking. It's that you guys just go do things. You just do things without the other person even knowing.

• 29:34Speaker 03

  When I tell her, like, look, buy this and, um.

• 29:39Speaker 03

  Yeah, and.

• 29:40Caleb Hammer?

  What?

• 29:41Speaker 03

  The, it's just very, it was, the, about the vacation was everything very expensive and I didn't.

• 29:47Caleb Hammer?

  How much? How much did you guys spend?

• 29:48Speaker 03

  Um, just the flight for five thousand, the round trip because, um.

• 29:53Caleb Hammer?

  How much did you guys spend in total?

• 29:55Speaker 03

  Um, around fourteen, sixteen. Because we had to buy, um, Magic Kingdom, like four tickets, um, the Animal Kingdom, four tickets as well. And then the extra stuff, Airbnb, the car rental and, um, food, and then we had to pay also for the tickets to go there in Atlanta and then we had to pay the tickets to go to Orlando again, so they can get the flight and go back. It was separate. And because we live in an apartment, one bedroom, we had to rent, uh, we had to, um, get a hotel for them and we had to pay for that. But it was not like that with the first agreement. The agreement was them pay for the, their hotel and pay for their food. They spent everything home.

• 30:39Caleb Hammer?

  Well, then why would you allow it?

• 30:41Speaker 03

  I don't, I didn't know about that. When I came.

• 30:43Caleb Hammer?

  No, but then you supported it by you spending your own money.

• 30:45Speaker 03

  I'm gonna make them go back. Like, I can't, I want.

• 30:48Caleb Hammer?

  You're adults, you're adults. You can have a conversation, can't you?

• 30:51Speaker 03

  But they like.

• 30:52Caleb Hammer?

  Well, you can't even have a conversation with your wife, so. I know you like free things and I'm giving some things away for free right now. And let me show you how to get it. First, I'm giving you a limited edition financial audit Tumblr, plus a 30 day trial of simpler budget premium to new users when you buy my four class bundle. And this trial is normally only 14 days, but I'm doubling it just for those purchasers. And do you just want one class? No worries, you'll still get access to that 30 day simpler budget trial. And act now because we're winding down our intro pricing at midnight on April 23rd. So this is the best price you'll ever see on these classes.

• 31:34Caleb Hammer?

  So if you're feeling stuck or intimidated by your finances, you're not alone. And now is the best time to get started. Grab your free limited edition Tumblr, sit back and finally take control of your financial future. Or don't, and you can end up right here.

• 31:51Speaker 03

  They're gonna say, well, I don't have money for food. I'm gonna just eat it from them. Like, oh, this is so good and you cannot pay for it.

• 31:58Caleb Hammer?

  When you spend $14,000 and you have no money and yep, uh, yep. Yep.

• 32:03Speaker 03

  I was surprised that we were able to pay for that. I'm very surprised. And then I talked after with my wife, like, if we could do that money, why we're not doing to pay our stuff?

• 32:12Caleb Hammer?

  Well, yeah, that's what the I'm saying. Listen, you have 600 on a firm with a $26.52 minimum monthly payment, which is stupid. Which means the interest is accruing.

• 32:22Speaker 03

  At least I think it's, is fee on that? There is a lot of fee on that or I don't?

• 32:27Caleb Hammer?

  Yeah. You got interest accrue. Oh, for fuck's sake, here's, here's, okay, this is a different affirm loan. Okay, so I have a feeling we're about to go through a few affirms here. Here's another affirm, $318.89. This is for solid wood detail.

• 32:46Speaker 03

  What?

• 32:48Speaker 03

  It's like a furniture, maybe?

• 32:51Caleb Hammer?

  I don't know, it's not me.

• 32:53Speaker 03

  It might be furniture cuz I know we bought like two furnitures on on our new apartment and um it might be that. I didn't know how the price was when I saw it and like, oh, this was expensive. We're still paying for that.

• 33:04Caleb Hammer?

  New apartment, the big house or after the big house?

• 33:06Speaker 03

  After the big house.

• 33:07Caleb Hammer?

  Great. So every time we move, every second of our lives, and we have to refresh our entire, entire fucking furniture package of the house?

• 33:14Speaker 03

  Yes. Not, not everything, but like, like some spots that you're like, oh, something right here can go, something right there can go, and we just buy it cuz it's gonna be looking good and um, there's a apartment now that I I told her we're not gonna move for at least five years now.

• 33:26Caleb Hammer?

  Yeah, bold.

• 33:27Speaker 03

  But, yes.

• 33:29Caleb Hammer?

  Why, are you moving?

• 33:30Speaker 03

  N- no. Ish? I don't know yet.

• 33:34Caleb Hammer?

  What is no-ish?

• 33:36Speaker 03

  Because my mom today live with my sister and

• 33:39Caleb Hammer?

  Cool.

• 33:39Speaker 03

  October, my sister is going to New York.

• 33:42Caleb Hammer?

  Proud of her.

• 33:43Speaker 03

  And then my mom's gonna be alone. And then

• 33:45Caleb Hammer?

  Is your mom incapable of anything?

• 33:47Speaker 03

  Well, she has heart problem. She had to go to uh um surgery and so she

• 33:52Caleb Hammer?

  Is she a citizen?

• 33:54Speaker 03

  Um, she had a green card. She will be a citizen in in a couple eight years.

• 33:59Caleb Hammer?

  I mean, she'll receive some kind of disability, right?

• 34:01Speaker 03

  Because of her. No.

• 34:03Caleb Hammer?

  Well, she can't work because of her heart?

• 34:05Speaker 03

  No, no, she does work. But

• 34:07Caleb Hammer?

  So what's the problem?

• 34:08Speaker 03

  Living alone. Like, I'm scared that she can't, you know, do something and uh just die or something like that.

• 34:14Caleb Hammer?

  How bad is it?

• 34:15Speaker 03

  It it is kind of bad. It's not as bad now because she did the surgery and before we we lived together, but it didn't work at all. Like in two thousand Um, I think my mom have kind of jealousy, like, I don't say if it's jealousy, it's not jealousy. She It's weird for my mom knowing that I'm married cuz I've always been her baby. Does that make sense? So she was kind of competed with my wife, like who gave me more attention? And if I'm not getting attention to her or my wife, they both

• 34:43Caleb Hammer?

  Don't live with her then. She sounds like a fucking brat.

• 34:45Speaker 03

  Well, that's what I'm doing now. Like, I put my feet and I'm saying that I'm cannot live with you and I and I know right now I cannot afford to help her. But I I um told her that I could.

• 34:56Caleb Hammer?

  What's your job? Why'd you tell her you could?

• 34:59Speaker 03

  Because I don't want her to live with me. They they my wife and my mom don't they don't get along at all.

• 35:05Caleb Hammer?

  Yeah, it sounds like it. It sounds like they're both kind of.

• 35:08Speaker 03

  I don't know why.

• 35:10Caleb Hammer?

  Cause they're both. Sounds like. Sounds like.

• 35:13Speaker 03

  And my my mom, she well, we have cameras at home, so we we caught her um talking about my wife though. So that's where she started. Well, when she well, let's say if she's tired one day and she doesn't do food. My wife just stay um stay sleeping or something like that. She's tell my sister. That doesn't have any respect for me. Just go in my house and do whatever she wants and talk about me and my wife. Um saying like, oh, yeah, when she's tired, she doesn't do food for us. That's kind of stuff. And I got very mad because my wife is is not her job. My mom was the one not working back then, so my mom can easily do the food and everything.

• 35:50Caleb Hammer?

  I mean, it's just it's just not.

• 35:52Speaker 03

  So we we talked a couple of weeks ago and I tell like, look, I can't I don't want you like you know how the hell we been through living together and I bet you don't want to do that again.

• 36:01Caleb Hammer?

  Mm hmm.

• 36:02Speaker 03

  And then my wife also doesn't want to live with her, but I uh she said like if we live, it has to be like the same conditions the last time we had to move in a bigger house. I'm like, no.

• 36:13Caleb Hammer?

  Stop with the moving. Listen.

• 36:16Speaker 00

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• 36:46Caleb Hammer?

  Listen, it's.

• 36:47Speaker 03

  It was supposed to be by my sister.

• 36:50Caleb Hammer?

  You are paying off furniture from two places ago and your current place. Go off. You're not moving. I don't care.

• 36:56Speaker 03

  My sister's fault because.

• 36:58Caleb Hammer?

  Okay, so you you can't take responsibility for.

• 37:02Speaker 03

  I can't. I can't, but it was not supposed to be like.

• 37:06Caleb Hammer?

  Furniture. You did not need to do what you did, man.

• 37:09Speaker 03

  You know, it makes my wife happy. It makes me happy to see the house looking nice and um.

• 37:13Caleb Hammer?

  Feels real nice when we have all these minimum payments and we can't afford to survive and we're paying six. What's your retirement at?

• 37:20Speaker 03

  Nothing.

• 37:21Caleb Hammer?

  Fuck you.

• 37:23Speaker 03

  Nothing.

• 37:24Caleb Hammer?

  That happiness doesn't really exist.

• 37:29Speaker 03

  Yeah. Yeah, after watching the show that I kind of figure out that I need to do something and um.

• 37:34Caleb Hammer?

  Well, what have you done then?

• 37:37Speaker 03

  What do you mean?

• 37:38Caleb Hammer?

  What have you done? After watching the show, I realized.

• 37:41Speaker 03

  I tried to talk with my wife about like doing a budget or something.

• 37:46Caleb Hammer?

  You guys aren't compatible if you can't even have a conversation.

• 37:49Speaker 03

  She's just very, she doesn't face too much stuff and she always walked away.

• 37:54Caleb Hammer?

  Yeah, maybe you guys aren't compatible. Or maybe she can't be the one that's even looking at finances. Maybe you just have to control it. She just has to accept it.

• 38:01Speaker 03

  I was like, when we got married, I was the one who was controlling.

• 38:05Caleb Hammer?

  Then what happened?

• 38:06Speaker 03

  And then I got this job. And then I'm like, look, I don't have time to look if I'm paying for this.

• 38:10Caleb Hammer?

  What you have to do is use the, but literally a budget again, not the plug, but my goodness, it's like, it's the easiest thing in the world. It's the easiest thing in the world. You just connected to your account and you don't have the budget. It's there. Review it on a monthly basis so you know how to adjust it for the next month. But it literally just tells you.

• 38:29Speaker 03

  And I mean, when you have a credit card, man, it's just nice to spit everything like, like. And because in Brazil, we don't, we have credit cards, but it's different. We don't have credit.

• 38:40Caleb Hammer?

  Then you're obviously not a credit card person. Like, listen, if it's all of a sudden, oh, I got all the credit. Whatever you said, then you can't can use credit cards. You're not.

• 38:52Caleb Hammer?

  Yep. Mature enough to have access to a credit line. You're not.

• 38:56Speaker 03

  I think I'm today if I'm starting for zero.

• 38:59Caleb Hammer?

  Sixteen thousand, made ten. Fuck you.

• 39:03Speaker 03

  Yeah.

• 39:04Caleb Hammer?

  That's incorrect. It's incorrect. And even if you have it, then she'll use it. Even if you're being the responsible one, then she won't be. At least from what I'm hearing in this conversation.

• 39:12Speaker 03

  It was a lot not put in my saying no. I was always like, yes, yes, we can do this.

• 39:18Caleb Hammer?

  How do you have a better beard than me?

• 39:21Speaker 03

  Just us wrong.

• 39:25Caleb Hammer?

  It's interesting.

• 39:26Speaker 03

  To use that little, um, you know, that little, um, it's like a roller with some

• 39:31Caleb Hammer?

  No.

• 39:32Speaker 03

  thing. That helped me a lot.

• 39:34Caleb Hammer?

  The fuck you talking about?

• 39:35Speaker 03

  It's like a little roll that you pass on your, your face and open your, um.

• 39:39Caleb Hammer?

  And it worked?

• 39:40Speaker 03

  It worked.

• 39:41Caleb Hammer?

  Or did the testosterone work?

• 39:42Speaker 03

  No, no, it worked. I have like, just a little bit like right here, a little bit right here and just right here. So I started to using that like for six months and everything just grow. And I'm only have three years in testosterone, so it's pretty good.

• 40:00Speaker 03

  Yeah, you have like, you need some stuff right here.

• 40:02Caleb Hammer?

  Yeah, I got some patches. Okay. I got some patches.

• 40:06Speaker 03

  It'll be nice.

• 40:08Caleb Hammer?

  Karna, you owe $289.06 with $79.71 on a monthly basis.

• 40:14Speaker 03

  Yeah, I didn't know my wife.

• 40:16Caleb Hammer?

  Wayfair and Walmart. Oh, another, another, I didn't know my wife. So three times in a row, I don't know my wife. Okay. Yeah, this, this marriage is going so well.

• 40:24Speaker 03

  Lazy, put to go to the market and she cuts work there all the time. She's like, well, if you're not going with me, let's just do a pickup. But I thought that the pickup was always on debit. And I really, really started looking everything again since November last year. So I didn't have too much idea because I didn't have time. Like sometimes I go to work at 7:00 AM and I'm coming back 1:00 AM. And I have to be, yeah, I have to be up again the next day.

• 40:49Caleb Hammer?

  Well, she can't be lazy. If she's taking all this time off during the day, she needs to go to the grocery store. She already picks up groceries for other people. She can do it herself.

• 40:56Speaker 03

  To her, it's like, why? You're already there. Why you don't do it? She's like, well, you're not here with me and you know, blah, blah, blah, and.

• 41:01Caleb Hammer?

  What? Make a list. Or adults.

• 41:03Speaker 03

  Yeah.

• 41:04Caleb Hammer?

  What does it matter if you're there?

• 41:05Speaker 03

  We tried to do list, but she want me to be there as well.

• 41:08Caleb Hammer?

  Oh my gosh. What? Is she incapable of fucking surviving?

• 41:11Speaker 03

  But she just like had to me around and, um, when I'm around, I get more stuff.

• 41:14Caleb Hammer?

  Likes to and that's fine. That's fun. Still gotta do the basics.

• 41:19Speaker 03

  Yeah.

• 41:19Caleb Hammer?

  When we don't get what we like?

• 41:22Speaker 03

  That, but I don't like to go because I kinda, I always say, oh, yeah.

• 41:27Caleb Hammer?

  How are you guys surviving together?

• 41:30Speaker 03

  Just take like the more expensive because it's gonna be better or let's take of two of those because then you don't have to come do a lot of trips and everything. So I tried, you know, like sometimes like want me to go, sometimes she just took the pickup and not say, and

• 41:45Caleb Hammer?

  Yeah, I'm fine.

• 41:45Speaker 03

  Um, I always ask like, hey, if the pickup like has some, the grocery more expensive, they make more. It's like, no, just if you deliver, I mean, picking up. So it's not that expensive.

• 41:57Caleb Hammer?

  Okay, well, I don't, I don't know how to fix that. It's not, I'm not talking to her. I'm talking to you.

• 42:03Speaker 03

  And that's the other thing. I wish she was here because she will, well.

• 42:08Caleb Hammer?

  Why is she?

• 42:09Speaker 03

  Um, she's shy. She's very shy. Like she's very, very shy. Like she, I don't have any pictures with her. At almost, almost, I don't have any pictures of my wife.

• 42:18Caleb Hammer?

  It's a little weird. Okay. This is another Clara. Wait, I just, what am I looking at? Okay, this is endless. You had lighting lane. This is another, this is a new Walmart one. This is thirty three bucks. You're not even gonna put that down.

• 42:32Speaker 03

  For Disney, right?

• 42:33Caleb Hammer?

  I don't know.

• 42:34Speaker 03

  It's not the, you jump.

• 42:35Caleb Hammer?

  You tell me.

• 42:36Speaker 03

  Uh, I think like the, the thing that you don't have to be on the, on the line. And then you just jump because our parents are like plus sixty. So they will not be too much waiting on the line.

• 42:47Caleb Hammer?

  PayPal, but I can't even see what's like owed on it. What's owed on PayPal? See all the purchases on PayPal, Nintendo, Hulu. Uh, Best Buy. Like what, what's owed?

• 42:59Speaker 03

  I don't know.

• 43:00Caleb Hammer?

  Or is this, is this a PayPal like checking account?

• 43:03Speaker 03

  Hmm, I don't know.

• 43:04Caleb Hammer?

  Do you owe money? How do you, buddy, I cannot help you if you can't tell me.

• 43:08Speaker 03

  But the thing is, I just know about this.

• 43:11Caleb Hammer?

  PayPal paying for, I don't know what you currently owe.

• 43:13Speaker 03

  When I applied to the show, I had to get my, my, my wife phone when she was sleeping to pick everything. Like to get all her stuff, cause.

• 43:20Caleb Hammer?

  Why?

• 43:21Speaker 03

  Cause I, I, cause she won't do it. Like she would just lie for me. She is.

• 43:26Caleb Hammer?

  So what the, why? Why is she not willing to change?

• 43:29Speaker 03

  She is willing to change, but I think she expect me to do it, like.

• 43:32Caleb Hammer?

  That's impossible. If you don't even know what her spending is, you can't fix that. That doesn't make sense. You had, we had three accounts in a row where it's like, yeah, that's secret, my wife.

• 43:44Speaker 03

  She's not like doing it behind my back. I just thought that she was doing on the debit card. Like she tell me like I'm

• 43:51Caleb Hammer?

  But even still, that is behind your back.

• 43:54Speaker 03

  I don't think so. That's behind my back, but she's still saying I'm buying this and that, but I just thought it was debit.

• 44:01Caleb Hammer?

  Okay.

• 44:03Speaker 03

  Yeah. Um, and that's one, one of the things that I'm very like, you say we're not compatible, but we are very compatible. Like we are. But

• 44:15Caleb Hammer?

  Wife, mom?

• 44:17Speaker 03

  Yeah, she sent money for her parents in Brazil.

• 44:20Caleb Hammer?

  Special bonus document?

• 44:22Speaker 03

  That's a

• 44:23Caleb Hammer?

  What is this?

• 44:24Speaker 03

  Um, she sent money to her parents in Brazil.

• 44:25Caleb Hammer?

  What? But this is what? This doesn't make any sense. You guys are, you don't have money.

• 44:31Speaker 03

  Yeah, but they need help sometimes.

• 44:33Caleb Hammer?

  No, no, no, no, no.

• 44:36Speaker 03

  I saw that.

• 44:39Caleb Hammer?

  They need help sometimes. I get that, but you, you help.

• 44:44Caleb Hammer?

  Oh my gosh, like I don't know what to do because

• 44:46Speaker 03

  And I'm very

• 44:47Caleb Hammer?

  Stop! I don't even hear things.

• 44:50Speaker 03

  You need to hear this. You need to hear this. You need to hear this.

• 44:54Caleb Hammer?

  Fine, tell me. This is critical information.

• 44:57Speaker 03

  So, her parents

• 45:00Caleb Hammer?

  Just trying to think for a second, but okay.

• 45:02Speaker 03

  Her parents live, her older brother, he's 34. He do a very good money, but he doesn't help at all at house.

• 45:09Caleb Hammer?

  Okay, then your mom, then your, your wife needs to stop.

• 45:12Speaker 03

  That's what I told her.

• 45:13Caleb Hammer?

  Okay, well, again, what the am I doing here? Cause I'm talking to you.

• 45:18Speaker 03

  Yeah.

• 45:21Caleb Hammer?

  What do you want me to do?

• 45:22Speaker 03

  I, I want you to, you know, I don't want you to agree with me saying that she needs another job or something like that.

• 45:28Caleb Hammer?

  She needs to stop spending this, sending it like it's hundreds a month.

• 45:32Speaker 03

  And I didn't know, I, I, I just

• 45:34Caleb Hammer?

  You don't know about this either.

• 45:35Speaker 03

  No, that's an app, that's a different app that you have to spend, uh, that

• 45:39Caleb Hammer?

  What, she was hiding this?

• 45:40Speaker 03

  She, she was never hiding. She's like, oh, I'm gonna say

• 45:43Caleb Hammer?

  She tell you?

• 45:44Speaker 03

  Yes, but

• 45:44Caleb Hammer?

  The dollar amount?

• 45:45Speaker 03

  No.

• 45:46Caleb Hammer?

  Then it's hiding.

• 45:48Speaker 03

  I just thought it would be a hundred dollars per month.

• 45:50Caleb Hammer?

  No.

• 45:51Speaker 03

  When I got to her phone secretly and I had to go through all of that. Cause I went to her conversation with her mom just to see the screenshot that she's saying like, hey mama, I send this, I send that. And then I find out what kind of app that she was using.

• 46:03Caleb Hammer?

  What do you want me to do? Hey guys always ask me, Caleb, what do you invest in? And honestly, I keep it pretty boring. Take a look at this, take a look at this, this is my investments right here. And this is why you gotta follow me on Blossom if you wanna see just that. A couple of weeks back, I stumbled upon this social investing app called Blossom and thought, alright, let's give it a try. And it turns out, it's actually really cool. And to be clear, they're not a brokerage. Blossom is a completely free social media platform. They're not your typical investing app. It's social, meaning you can follow exactly what I'm investing in. And you can check out my portfolio in real time and even discuss strategies with me and other investors. There's no guessing games, just clear transparency.

• 46:47Caleb Hammer?

  So if you're curious about how I'm investing or just wanna get smarter with your money, download Blossom right now. And you can follow me at Caleb Hammer. I'll be sharing my exact portfolio breakdown, investing tips, even responding to your questions. It's totally free, super simple, and way more fun than just guessing stocks alone. So hit that link below, join me on Blossom and let's grow our money together. Seriously, right now, you can actually see what my portfolio looks like today.

• 47:13Speaker 03

  She, I need your help to go through all of this. I need your help to make a budget and to pay all of that and put my. And of course, when I do that, I will feel my life will get more together, you know? That's what I need.

• 47:29Speaker 03

  I, I really need her to understand that we are not in a good position right now, like we were in the past. And I think the only, the only thing is right now is she's kinda see that we are not going, going too well. But she expect too much on my, I feel I have a lot of pressure in my back.

• 47:51Caleb Hammer?

  Is this a vent sesh? Like, okay, cool. Talk to her dude, like, I don't know.

• 47:57Speaker 03

  We try.

• 47:57Caleb Hammer?

  Then you guys are incompatible, leave.

• 47:59Speaker 03

  No.

• 48:00Caleb Hammer?

  Then what do you work? What is?

• 48:02Speaker 03

  Well, after here, maybe, you know, this is the budget we had to do. So we had to work like this. Or maybe if you get another job, or if you work on your resume and I get another job. But I told her I cannot get another job because even if I get paid late, I still get that amount of money, but we just had to work around that. But she does like, um, maybe last year thirty thousand and then that's the only thing that I know. And then I put it like I do the math.

• 48:28Caleb Hammer?

  Yes, the math adds up. That's what you guys made last month. I don't know, dude. Uh, Delta Sky Miles Gold Card. I mean, this is an insane balance. This is the thick balance so far. Three thousand eight hundred thirty ninety-eight dollars and two cents.

• 48:41Speaker 03

  Yeah, that's fine.

• 48:42Caleb Hammer?

  Yeah.

• 48:42Speaker 03

  There's, uh.

• 48:43Caleb Hammer?

  Okay, so maybe it's not all your wifey little tit.

• 48:46Speaker 03

  But it's us together, it's not her.

• 48:48Caleb Hammer?

  Well, do you just?

• 48:49Speaker 03

  It's her to be not changing jobs and understanding my side and maybe help me. But it's not, you know, her fault not, I cannot spend three thousand dollars by myself, I think. It's both of us.

• 49:02Caleb Hammer?

  You bull.

• 49:04Speaker 03

  Huh.

• 49:05Caleb Hammer?

  You don't think you can spend three thousand dollars?

• 49:08Speaker 03

  By myself with what? Like, there are a lot of fees there.

• 49:10Caleb Hammer?

  You could go get a nice TV. Like, this is, you could spend three thousand like this if you want to. It's, what the fuck are you talking about?

• 49:17Speaker 03

  Now you're saying TV makes sense because I do get a, I got a big TV.

• 49:20Caleb Hammer?

  Well, there you.

• 49:23Speaker 03

  Yeah, like, like I said, I once, I never, ever, ever have, uh.

• 49:27Caleb Hammer?

  Hey!

• 49:28Speaker 03

  A, uh.

• 49:29Caleb Hammer?

  How long does this take to pay off?

• 49:32Caleb Hammer?

  Minimum monthly payments only without purchasing on it.

• 49:35Speaker 03

  Three.

• 49:35Caleb Hammer?

  Which by the way, you're at your basically credit limit, so I know you're incapable of.

• 49:39Speaker 03

  Three, four years?

• 49:40Caleb Hammer?

  Three, four years, yeah. Fourteen. Yeah, fourteen years. Yeah, fourteen years and no more retirement, no more, no compound growth, no anything. Yeah, three years. No, fourteen, fourteen. You are a fast mover. Please have a seat right there.

• 49:55Speaker 03

  That's a lot.

• 49:56Caleb Hammer?

  Yeah, it's a lot. You're gonna be in your mid forties. Yeah, I'd say it's a lot.

• 50:00Speaker 03

  A lot of fees there as well because when we were putting the cash together to bring her parents here, we had to stop.

• 50:09Caleb Hammer?

  What?

• 50:10Speaker 03

  That, I stopped paying the credit card.

• 50:11Caleb Hammer?

  Well, then obviously you couldn't afford to do that, dude. It is as simple as that. I'm sorry. Listen, I understand why you did it. It is something I would have tried to make work. You couldn't. That is that.

• 50:23Speaker 03

  But they will not be able to do that.

• 50:26Caleb Hammer?

  Bills, you can't do that.

• 50:28Speaker 03

  But she.

• 50:29Caleb Hammer?

  Oh, my gosh, but you.

• 50:31Speaker 03

  But yeah, but I mean.

• 50:32Caleb Hammer?

  Oh, my gosh, dude.

• 50:33Speaker 03

  We were like, we had to work more, we had to do this.

• 50:36Caleb Hammer?

  I'm starting to get annoyed.

• 50:37Speaker 03

  And my boss starting to give me day offs because he was, he were like, kind of knowing that he would not be able to pay me the full day and everything. So that. Really, really.

• 50:48Caleb Hammer?

  You need a new job. Yes. Okay. Congratulations. We've learned this. Hundred three dollars and seventy four cents of interest accrued in one month alone. You're gonna lose twelve hundred bucks on that in one year. It's a thirty percent interest.

• 51:02Speaker 03

  Like a thousand and two hundred dollars?

• 51:03Caleb Hammer?

  Yeah.

• 51:05Speaker 03

  When, and fees?

• 51:08Caleb Hammer?

  Not, well, interest, interest specifically.

• 51:11Speaker 03

  That is a fee, right?

• 51:14Caleb Hammer?

  The way you think about fees, yes. The way you've used the word fee, sure, but a literal fee, no, but.

• 51:21Speaker 03

  And then on top of that, do you have more fee?

• 51:24Caleb Hammer?

  If you don't pay on time.

• 51:28Caleb Hammer?

  So if you bring them again and you decide not to pay, then yes.

• 51:32Speaker 03

  No, well, I'm not doing that.

• 51:33Caleb Hammer?

  Okay, one thousand, one hundred, one thousand thirteen dollars on this and seven cents. Blue Cash Everyday card. What's up with this card?

• 51:44Speaker 03

  Well, that one is, um, I had to pay like tires and, um.

• 51:48Caleb Hammer?

  Because you didn't have an emergency fund because we haven't been responsible once with their money. Because also, by the way, you purchased thirty dollars on here this last month. I mean, you're still purchasing. You're purchasing plus interest accruing, your balance went up, your balance went up. Oh, we're over the credit limit.

• 52:04Speaker 03

  Yeah.

• 52:04Caleb Hammer?

  Yeah, it's all her fault, right? All her fault, yeah. All her fault, above the credit limit, yeah. Yeah, yeah. This is what happens when someone brings something, someone on the show and they're not able to, like, you didn't, you guys didn't come together, you came on, and it's just like, oh, I'm the good one, I'm the good one, it's all her, it's all her, it's all her. No, fuck you. Look at this, you're above a credit limit.

• 52:22Speaker 03

  But it's us together.

• 52:24Caleb Hammer?

  I don't, what do you mean? Well, let's find out.

• 52:27Speaker 03

  It's us together, so.

• 52:29Caleb Hammer?

  Okay, what, this Cash App?

• 52:32Speaker 03

  Cash App?

• 52:34Caleb Hammer?

  That's what it says. It was Cash App, thirty dollars, ninety cents.

• 52:36Speaker 03

  Probably to pay something. I don't remember.

• 52:38Caleb Hammer?

  Probably to pay something. I would think so.

• 52:41Speaker 03

  Like, pays... Um... Does it say how much your Cash App is?

• 52:45Caleb Hammer?

  Thirty dollars, ninety cents.

• 52:48Speaker 03

  I was about to say if it's a tip for someone, but that's too much for a tip maybe, so, uh...

• 52:52Caleb Hammer?

  Depends on what it is or how...

• 52:55Speaker 03

  It might be tip, cuz the only thing that we use Vimo or Cash App is for tips. And I...

• 53:00Caleb Hammer?

  And you do it on a credit card?

• 53:02Speaker 03

  Yeah, yeah, yeah. I remember. Someone was, um, needed gas on the gas station and they asked me for...

• 53:07Caleb Hammer?

  So you go above the credit limit. They asked you, so you did it. It wasn't you both. It was you. You did this, you. It is you too.

• 53:15Speaker 03

  Yeah, it's both. I'm not saying it's on her.

• 53:18Caleb Hammer?

  Sure, but you've only put everything so far on her. This one, this one, being over the credit limit is you.

• 53:26Speaker 03

  I just put it on her.

• 53:27Caleb Hammer?

  No, this one on this credit limit is you. You. This one, this one...

• 53:33Speaker 03

  Thirty-two dollars, yeah, was me.

• 53:34Caleb Hammer?

  Yes. The above credit limit credit card is you.

• 53:39Speaker 03

  Okay. But...

• 53:41Caleb Hammer?

  Oh, my...

• 53:43Caleb Hammer?

  Oh, my goodness. Oh, my... What do you want? I'm gonna punch the beard right off your face. What are you talking about?

• 53:50Speaker 03

  I do understand that thirty-two Cash App, whatever, okay, was over the limit, but we had to use it cuz I didn't have money to fix my car to go back to work.

• 53:58Caleb Hammer?

  You. You didn't have to send money to someone for their own gas.

• 54:01Speaker 03

  I felt bad.

• 54:03Caleb Hammer?

  Yeah, but you didn't have to.

• 54:04Speaker 03

  But I felt bad. It was a family...

• 54:06Caleb Hammer?

  Congratulations!

• 54:08Speaker 03

  You're an outsider.

• 54:08Caleb Hammer?

  Yes, a little empathy. I love it. We all love it. It puts you above a credit card limit. You will never have a chance to retire. You'll never have a chance to be successful in this country. You will never have that chance if you keep putting that... Over... Listen, help everyone. Help everyone. But the best way... Hey! No! Don't open your mouth. I don't wanna hear it. The best way to help others is for you to be in a financially sound place because then you're able to help others forever. Instead of barely being able to help people now...

• 54:40Speaker 03

  I get it and

• 54:41Caleb Hammer?

  Do you?

• 54:42Speaker 03

  I do get it. I, I, of course it makes sense.

• 54:45Caleb Hammer?

  Then why the f**k don't you do that?

• 54:46Speaker 03

  Because I think because the way I was raised, we didn't have money. I was sleeping on the floor and whatever, whatever, blah, blah, blah. All of that in Brazil, we don't have money for anything. So when I see a family that needs cash to go home.

• 54:57Caleb Hammer?

  Yes, there's your heart. Congratulations. I'm not against the heart. I'm against the dumb assery.

• 55:03Speaker 03

  But even I, I, I can't say no. Even if I put it on the credit card and then just see that's my

• 55:08Caleb Hammer?

  But fuck you. How about that? How about that? But that's a good but. But fuck you.

• 55:14Caleb Hammer?

  What a rebuttal.

• 55:17Caleb Hammer?

  You just can't afford it. You're above a credit card limit on there. I love the empathy. We give, we give, we give, we give, we give. But the best way to do that is be by being in a financially sound place. So you're able to give forever instead of just putting yourself over the credit limit. Now you can't anymore. You prepare yourself. You live a Hmm. Dude, you're ruining it. You're ruining it. You're ruining it. You want to get rid of the tits? Good luck. You, I don't know how you could afford that. You're over the f**king credit limit. I'm just, you're just f**king it. Thirty-five thousand dollars is how we started this conversation, wanting thirty-five thousand dollars.

• 55:53Speaker 03

  Thirty-five? What?

• 55:55Caleb Hammer?

  For the eggs and for the boobas.

• 55:58Speaker 03

  Eggs? Oh, oh, okay. Yeah, yeah. That's what I need. I wouldn't say eggs. I didn't like ovaries, something like that. Yep, yep. That's what I really might go in the next two years, maybe.

• 56:09Caleb Hammer?

  Yeah, well, you're not meeting and not even close. You'll never get there. You'll never get there. You'll never get there.

• 56:13Speaker 03

  That's why I'm here, just so I can get there.

• 56:15Caleb Hammer?

  That's why I'm there. Oh, that's why you're here. Yeah. That was a catchphrase. Eight hundred

• 56:22Caleb Hammer?

  eighty-three dollars, thirty-two cents.

• 56:25Caleb Hammer?

  With a twenty-three dollar minimum monthly payment on this. Another blue cash? We have two blue caches.

• 56:31Speaker 03

  One is mine, one is hers, so.

• 56:34Caleb Hammer?

  Congratulations. You're the one over the credit limit. She's not.

• 56:41Caleb Hammer?

  Your minimum payment, oh, is a hundred forty-one sixty-eight.

• 56:46Speaker 00

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• 57:16Caleb Hammer?

  Didn't write it down.

• 57:19Caleb Hammer?

  And she didn't purchase.

• 57:22Caleb Hammer?

  She didn't purchase. You did, or you did. You did. You.

• 57:31Speaker 03

  Well, there's not a way to see if it's mine or hers. Maybe that one is mine and that one, the other one is hers, and I'm just confused.

• 57:36Caleb Hammer?

  You don't know who the [bleep] has what balances?

• 57:39Speaker 03

  No.

• 57:39Caleb Hammer?

  Oh, good, yeah, the one who's gonna be financially responsibly running the house.

• 57:44Speaker 03

  I was two thousand twenty-one, two thousand twenty-two.

• 57:47Caleb Hammer?

  Yeah, maybe, maybe bring that back.

• 57:50Speaker 03

  I was very good with that, to be honest.

• 57:52Caleb Hammer?

  Cool, yeah, used the same [bleep] skills. Did you lose them? Or have you become [bleep]? Like, what? What's happened?

• 57:56Speaker 03

  It's just because of the, I think what I put in my head, I'm like, oh, I'm doing so much money right now. I can do this, I can do that, I can pay for this, I can pay for that. And, and all those credit cards was coming on the mail. I'm like, oh, yeah, my credit is good, and let's, let's do this and that. And soon when she got her papers, she applied for credit cards, and then, um, you know, everything just went for there. There are vacations, like, oh, yeah, we're gonna do a vacation. Let's do a new credit card and put it, everything there. Like, two thousand twenty-three, we went to Orlando, and that's where I had to do-

• 58:25Caleb Hammer?

  This is a different trip?

• 58:27Speaker 03

  Yeah.

• 58:27Caleb Hammer?

  Than the one we're talk-

• 58:28Speaker 03

  Yeah.

• 58:28Caleb Hammer?

  We're going to Orlando [bleep] Disney?

• 58:30Speaker 03

  Um, Orlando, um, Universal, yeah.

• 58:33Caleb Hammer?

  How much did that cost, that trip?

• 58:35Speaker 03

  I have no idea. I just put everything on a credit card. I, I was supposed to be less, but when I got home and I saw the credit card, I was like, oh. Cause we had to rent car, and then hotels, and the tickets, and then this.

• 58:47Caleb Hammer?

  Ah, stop! I don't know how you guys have made it this far. I'm well done making it this far. Uh, interest is accruing on this like crazy, of course, and blah, blah, blah. It's, it's all [bleep]. I gotta continue, there's so much paperwork here. What? I heard you open your mouth, what?

• 59:05Speaker 03

  No, I, I was just saying that a lot of, a lot of credit cards there, it's my little treat that I like to eat chocolate. I'm a big chocolate eater, you know?

• 59:16Caleb Hammer?

  We have sixty thousand hours of chocolate debt?

• 59:19Speaker 03

  But at least, at least, if, I don't know the math on top of my head, but I am person that I need at least six or seven, ten bars of Hershey's per day.

• 59:30Caleb Hammer?

  What?

• 59:30Speaker 03

  Yeah. I will wake up three in the morning, go to the Gashin and, and buy three bars of Hershey's.

• 59:37Caleb Hammer?

  What is, is this my strange addiction? What, what show am I on right now? The fuck are you talking about? Why Hershey's out of all chocolate? It's like the worst!

• 59:45Speaker 03

  It's not, it's the best one.

• 59:47Caleb Hammer?

  What?

• 59:47Speaker 03

  Yeah, it's the best.

• 59:48Caleb Hammer?

  It is objectively the worst. We had like a blind chocolate taste test in our, uh, in our membership. Um, yeah, it was the worst!

• 59:57Speaker 03

  And then that one, people pick up that one, the worst?

• 59:59Caleb Hammer?

  Yeah, cuz it's the worst!

• 1:00:01Speaker 03

  What was the best one?

• 1:00:02Caleb Hammer?

  I remember, but not Hershey's?

• 1:00:04Speaker 03

  Nah, the Hershey's is the good.

• 1:00:05Caleb Hammer?

  There were, I think, there were, there were three that were better than Hershey's. Hershey's is not good.

• 1:00:10Speaker 03

  I, I like them.

• 1:00:11Caleb Hammer?

  Hershey's are not good!

• 1:00:13Speaker 03

  Yep, the king size, they're better. And I have a little thing that-

• 1:00:16Caleb Hammer?

  Well, cuz it's more, sure!

• 1:00:17Speaker 03

  You know, one thing that I explained to my wife and she thinks I'm crazy because it, Hershey's is only bad if they are about to expire the next seven months.

• 1:00:26Caleb Hammer?

  The fuck are you talking about?

• 1:00:26Speaker 03

  It, it, it is crazy.

• 1:00:29Caleb Hammer?

  What the?

• 1:00:31Speaker 03

  So, look, look when that expired.

• 1:00:33Caleb Hammer?

  I'm assuming they got this for you, but you probably don't need it. I obviously don't need it either, but...

• 1:00:40Speaker 03

  If you look at the expired date, it will not melt on your mouth if it's about six percent.

• 1:00:44Caleb Hammer?

  It'll probably barely even chocolate.

• 1:00:47Speaker 03

  I'm, I'm being for real. You have to buy the Hershey's that is about to expire in one year. Like, I go-

• 1:00:51Caleb Hammer?

  Dude, this is shitty chocolate.

• 1:00:53Speaker 03

  Because you probably-

• 1:00:54Caleb Hammer?

  And look at me, I eat everything!

• 1:00:56Speaker 03

  Look, look where it expired. If it's not saying la- like, uh, two thousand twenty-six, it's bad. I, I hop to gas station to gas station to find the new ones.

• 1:01:06Caleb Hammer?

  Dude, you're weird. I mean, it has-

• 1:01:11Caleb Hammer?

  It's a lot of ingredients for just chocolate.

• 1:01:14Speaker 03

  I never see that, so I-

• 1:01:16Caleb Hammer?

  Like, this is not that good, as far as chocolate goes. Now, since it's the only thing in front of me.

• 1:01:23Speaker 03

  But again, when is gonna expire? When? Just see it all the time.

• 1:01:27Caleb Hammer?

  I'm looking!

• 1:01:29Speaker 03

  Probably had to-

• 1:01:29Caleb Hammer?

  I'm looking!

• 1:01:32Caleb Hammer?

  You don't shut up!

• 1:01:35Speaker 03

  You're not looking right.

• 1:01:37Caleb Hammer?

  Okay, where would I find it? Hershey's expert.

• 1:01:39Speaker 03

  Yeah, yeah, right there. Yep. Open, trying to see if that guy's kind of blackish.

• 1:01:44Caleb Hammer?

  He does know where it is.

• 1:01:47Caleb Hammer?

  2026.

• 1:01:50Caleb Hammer?

  2026.

• 1:01:51Speaker 03

  Oh, that's a good one.

• 1:01:53Caleb Hammer?

  And it still tastes like...

• 1:01:54Speaker 03

  Nah, it doesn't. I bet that doesn't.

• 1:01:57Caleb Hammer?

  Open your mouth.

• 1:01:59Caleb Hammer?

  Almost. It touched your tongue.

• 1:02:03Speaker 03

  Thank you.

• 1:02:07Caleb Hammer?

  Capital One.

• 1:02:08Speaker 03

  This is a good one. Oh, it's melting in my mouth.

• 1:02:11Caleb Hammer?

  It's chocolate. Chocolate melts in my...

• 1:02:13Speaker 03

  No.

• 1:02:13Caleb Hammer?

  What, what? I think it would be bad if it doesn't.

• 1:02:16Speaker 03

  If you buy a Tic Tac, uh, Tic Tac?

• 1:02:18Caleb Hammer?

  Tic Tac? Tic Tac's not chocolate.

• 1:02:20Speaker 03

  It kinda is. It's not good, though.

• 1:02:23Caleb Hammer?

  It's not kind of chocolate.

• 1:02:25Speaker 03

  It doesn't melt.

• 1:02:26Caleb Hammer?

  It's not chocolate! It is, it does!

• 1:02:30Speaker 03

  No, it doesn't.

• 1:02:30Caleb Hammer?

  What the f**k are we comparing Hershey's to Tic Tacs?

• 1:02:34Speaker 03

  Kit Kat, yeah.

• 1:02:35Caleb Hammer?

  Well, there's f**k bread in it!

• 1:02:38Speaker 03

  Nah, that's not as bad, but Reese's is my second one, so... But I also had to buy Always is gonna expire the next year.

• 1:02:46Caleb Hammer?

  Yeah, Reese's is good. I love Reese's. Yes, I called wafers bread. Okay. Capital One.

• 1:02:57Caleb Hammer?

  So as many of you know, I've been a big supporter of Course Careers for a long time. I'm not just a partner. I actually own stock and I'm an investor. So why did I partner with Course Careers? Because I truly believe in what they're doing. A lot of people have questions about online certifications versus traditional college degrees. Let me be clear. I wouldn't put my name behind something unless I knew it worked. The thing is, not everyone has the time or resources to spend four years in college or take on massive student loan debt. Course Careers offers a practical, affordable way to launch a career in a high-demand field like tech sales, IT, and accounting, where companies are hiring based on the skills needed, not broad college degrees. In fact, right now, one in three companies are dropping degree requirements, and that number is only gonna continue.

• 1:03:41Caleb Hammer?

  Need to grow. I know some people think online programs are a quick fix, but that's not the case here. Course Careers takes effort and commitment, but they provide you with a streamlined, proven path. They offer up-to-date, self-paced courses, one-on-one or group coaching from people that work in the industry, and most importantly, they help you actually get hired. Just look at graduates like Namesso, who went from driving FedEx trucks to a cybersecurity job at Disney. That didn't happen by chance. He put in the work and Course Careers guided him every step of the way. And what truly sets Course Careers apart is that it's not just about learning skills, but landing a job. Their curriculum is designed based on what employers actually need, and their network of industry coaches will guide you through the entire process,

• 1:04:24Caleb Hammer?

  from learning the skills to interviewing, resume help, and beyond. So if you're serious about starting a new career without wasting years or piling up debt, give Course Careers a try. Start with their free intro course, linked in the description to explore your options. And when you're ready, use the link in the description for $50 off the full course. Your future starts right now, and Course Careers is here to help you shape it. $804.41 with a $30 minimum monthly payment. What's going on with this?

• 1:04:52Speaker 03

  How, what is the balance on that one?

• 1:04:54Caleb Hammer?

  Oh my, just said it. Uh, $804.41.

• 1:04:59Speaker 03

  That's probably hers, so...

• 1:05:01Caleb Hammer?

  Okay, so what's going on? Do you not know then because it's hers?

• 1:05:03Speaker 03

  I mean, I don't really, um...

• 1:05:08Speaker 03

  I, I always thought that she was paying her credit card, at least the minimum payment, and uh, she is, she lives on Amazon. She loves Amazon. So, um, when I was living with my mom, I was seeing everyday packages, like stuck and stuck and like building, building everything, I'm sorry. Building, building, like in front of my house. I'm like, hey, why do you need this? Why do you need that? Why are you buying this? Why are you buying that? For an example, she loves sweaters, and to, to go to-

• 1:05:37Caleb Hammer?

  Georgia, okay.

• 1:05:39Speaker 03

  She likes it, especially when it's, you know, kind of chilly and everything, but it does get chilly in Georgia.

• 1:05:43Caleb Hammer?

  Can I ask a question?

• 1:05:44Speaker 03

  Yeah.

• 1:05:45Caleb Hammer?

  She fat?

• 1:05:46Speaker 03

  No.

• 1:05:46Caleb Hammer?

  Okay. Us fat people like sweaters. It makes us look better.

• 1:05:50Speaker 03

  But she's shy, that's the thing. You think it's hot in here right now? I'm cold.

• 1:05:54Caleb Hammer?

  No, Austin.

• 1:05:55Speaker 03

  Oh, okay. It was cold last night.

• 1:05:58Caleb Hammer?

  Just in general.

• 1:06:00Speaker 03

  But, so she does a lot of like small purchase on very cheap stuff that can break and then she would still buy it. Like sweaters. She likes to buy like the cheaper ones to go to work. But she was buying every other week because when you go and wash them, they kind of like go small. Because they are very bad. And I'm like, look, instead of you paying like fifteen, seventeen dollars for three or four every two or three weeks. Just go and buy like a new, like a good one, a good brand. And then I will not shrink when you.

• 1:06:33Caleb Hammer?

  This is not my biggest concern. I mean, we'll see. There were no purchases on there. You're Capital One.

• 1:06:40Speaker 03

  Mine?

• 1:06:40Caleb Hammer?

  Right? Platinum?

• 1:06:41Speaker 03

  Yep, might be.

• 1:06:43Caleb Hammer?

  Okay. Well, she learned how to send a statement and you learned how to send a screenshot.

• 1:06:48Speaker 03

  Oh, no, it's hers. Okay, so my statement, it's mine and hers is screenshot.

• 1:06:52Caleb Hammer?

  What's the minimum to payment? Eighty-eight bucks. Okay.

• 1:06:55Speaker 03

  And that's what I screenshotted because I didn't know too much how to.

• 1:07:00Caleb Hammer?

  Five hundred seventy-eight dollars and twenty-eight cents owed.

• 1:07:04Speaker 03

  Everything there was.

• 1:07:05Caleb Hammer?

  This is thick.

• 1:07:08Speaker 03

  What?

• 1:07:08Caleb Hammer?

  This is Apple.

• 1:07:10Speaker 03

  Oh, yeah, that's the worst. They are the worst one. They have the worst interest.

• 1:07:13Caleb Hammer?

  Well, maybe don't do it. You did it, dude. Listen, you're not a credit card person.

• 1:07:17Speaker 03

  I mean, I just thought it was nice. So the Apple, mine side, Apple was, and this was when my dad passed away. So I had to run to Brazil.

• 1:07:27Caleb Hammer?

  And put it on an Apple card?

• 1:07:28Speaker 03

  I didn't have money savings.

• 1:07:30Caleb Hammer?

  Uh huh. Okay, fifty-three dollar minimum to payment.

• 1:07:34Caleb Hammer?

  Listen, when?

• 1:07:37Speaker 03

  When? When my, um, so this was.

• 1:07:39Caleb Hammer?

  Takes twenty years to pay off.

• 1:07:41Speaker 03

  Oh, shit. So.

• 1:07:42Caleb Hammer?

  Yeah.

• 1:07:43Speaker 03

  That was two thousand and twenty when my dad passed away and, um, after our.

• 1:07:47Caleb Hammer?

  Balance has been that high for four years?

• 1:07:50Speaker 03

  It's more, more fee. There's more.

• 1:07:53Caleb Hammer?

  Yeah, interest, but it's still, if you're making your minimum to payment, it still goes down.

• 1:07:57Speaker 03

  But I stopped doing that.

• 1:07:58Caleb Hammer?

  You stopped making your payment?

• 1:08:00Speaker 03

  Because I needed to save money for a vacation.

• 1:08:02Caleb Hammer?

  That's how this works! Dick, that's not how this works!

• 1:08:06Speaker 03

  That's the only thing I have, you know, like, that's the only thing I told my wife, like, "Look, this year's gonna be this. After we bring your dad, we have to, your mom..."

• 1:08:14Caleb Hammer?

  No, that's not how this works, that's not how this works, guys.

• 1:08:17Speaker 03

  So we stopped sending money to him, but it's always like, "Oh..."

• 1:08:20Caleb Hammer?

  No, you have, I just seen, I just went through a statement, remember? Remember fucking couple statements ago? The, the fucking secret little statement that Jake brought out? Remember that? No! Money has not been stopped being sent!

• 1:08:33Speaker 03

  I thought it was.

• 1:08:35Caleb Hammer?

  Because you guys are great.

• 1:08:36Speaker 03

  She also pay my, her mom's credit card, and I didn't know about that.

• 1:08:40Caleb Hammer?

  Not even paying your own barely?

• 1:08:43Speaker 03

  I, I think people in Brazil think because we live here and then they think we have a lot of money, but that is not true.

• 1:08:47Caleb Hammer?

  Americans do have a lot of money, but we have a lot of spending, but that spending part is a choice. Cost of living is higher, that's less of a choice, but still, we do have more margin here. We still do have more margin here. Listen, you can break down most of the top countries, you break down Germany, you break down Canada, you break down the United Kingdom, you break down France, you break down the United States. They have a lot of things, right? They have a lot of things that, a little higher taxes, but they don't have to take care of healthcare or health insurance, they don't have to take care of all this stuff. So you think, okay, maybe Americans have a lot of money, but ask to go towards all this stuff. So if you break it down on a mathematical median percentage wise, we still have more money left over after all expenses, even after all taxes, after all expenses,

• 1:09:30Caleb Hammer?

  than everyone, uh, not, well, there's obviously some smaller countries that have crazy, uh, incomes, but we have more money left over than our competitor countries. So we are known for having more money, and they are correct in that. We have more money net, left over.

• 1:09:48Speaker 03

  But they think that we are.

• 1:09:49Caleb Hammer?

  But, you chose to go to universal and spend you don't even know how much money. You've chosen to fuck around, you guys chose to stack Amazon boxes to the rooftop. That was your choice. Are they entitled to your money? No.

• 1:10:06Caleb Hammer?

  But you chose to blow all the money.

• 1:10:09Speaker 03

  I did feel good in time.

• 1:10:11Caleb Hammer?

  No.

• 1:10:12Speaker 03

  I did feel good, so.

• 1:10:14Caleb Hammer?

  Just like your 3am candy bar, like, yeah, it's no shit. Why don't you just buy a bulk instead of going at 3am? That's so weird.

• 1:10:21Speaker 03

  Because then I eat more.

• 1:10:22Caleb Hammer?

  Oh, my gosh. Cause so you have no self-control.

• 1:10:25Speaker 03

  Uh, about chocolate? No, I don't. I really don't like.

• 1:10:28Caleb Hammer?

  Chocolate?

• 1:10:29Speaker 03

  It's not shitty.

• 1:10:30Caleb Hammer?

  It is.

• 1:10:31Speaker 03

  I mean, if I do Brazilian chocolate, it's way more bad. Like, do it at home, but.

• 1:10:37Caleb Hammer?

  But buddy, we have, and look, it's chocolate here. You can fucking get European chocolate here and it's great.

• 1:10:42Speaker 03

  It might be more expensive, too.

• 1:10:44Caleb Hammer?

  Yeah, it might be, but at least it's not shit. You're gonna still spend, knowing you.

• 1:10:49Speaker 03

  I love.

• 1:10:50Caleb Hammer?

  They want me to give you another piece, but you don't deserve it.

• 1:10:53Speaker 03

  I do.

• 1:10:54Caleb Hammer?

  You've not been good.

• 1:10:56Speaker 03

  I've been a good boy. Yeah, I've been there.

• 1:10:58Caleb Hammer?

  Okay. Let's not say that. Let's not say that. Okay, truest, what's up with this one?

• 1:11:07Speaker 03

  Um, is that a credit card or, um, or?

• 1:11:10Caleb Hammer?

  It's a credit card.

• 1:11:11Speaker 03

  Cause we have our bank, so our bank is yours as well, so I don't know.

• 1:11:15Caleb Hammer?

  Okay.

• 1:11:15Speaker 03

  So that is mine.

• 1:11:17Caleb Hammer?

  Okay, well, you're only 145. I don't know why the we're not paying that off with your strong income. It must pay off. You only make your minimum payment, $20 minimum payment.

• 1:11:25Speaker 03

  It might be.

• 1:11:25Caleb Hammer?

  Interest charged $3.73. So what is up with this? Why is it not just paid off?

• 1:11:30Speaker 03

  I put auto paid, so just to pay minimum and, um.

• 1:11:32Caleb Hammer?

  Sure, but why not just pay it off? You made the money! I've seen that much in spending so far, minimum.

• 1:11:41Speaker 03

  Cause.

• 1:11:41Caleb Hammer?

  And I know we have yet to get to the spending, cause whole.

• 1:11:44Speaker 03

  I, because I always think if I do pay it off for everything, I will need the extra money to pay, um, one of our actually bills, like, the bills that we have to have to live.

• 1:11:53Caleb Hammer?

  Cause your rent.

• 1:11:55Speaker 03

  Um, 17.

• 1:11:57Caleb Hammer?

  Okay, so you have plenty left over.

• 1:12:00Speaker 03

  And then.

• 1:12:00Caleb Hammer?

  So fuck you up bills.

• 1:12:03Speaker 03

  I'm just afraid not to get paid or she's not doing that much, um, cause if it rains, she doesn't work.

• 1:12:08Caleb Hammer?

  Stuff money aside, because if you're gonna stay there, you need to have a chunky emergency fund.

• 1:12:13Caleb Hammer?

  You've been there for four years, maybe you be an adult, my gosh.

• 1:12:16Speaker 03

  We never talk about that and that's bad.

• 1:12:18Speaker 01

  Your sausage McMuffin with egg didn't change, your receipt did. The sausage McMuffin with egg extra value meal includes a hash brown and a small coffee for just $5. Only at McDonald's for a limited time. Pricing participation may vary. Promotion pricing may be lower than meal pricing.

• 1:12:33Caleb Hammer?

  I'm here.

• 1:12:34Speaker 03

  And the bad, the bad things of being a family of Brazilian that they do kids to take care of them and

• 1:12:41Caleb Hammer?

  Yeah, that's a, and it's, it's fucking stupid.

• 1:12:44Speaker 03

  It is. We, we realized that because my mom.

• 1:12:46Caleb Hammer?

  So I don't give a, congratulations, you're here.

• 1:12:49Speaker 03

  Yeah.

• 1:12:50Caleb Hammer?

  You don't have to.

• 1:12:52Speaker 03

  We don't have to now.

• 1:12:53Caleb Hammer?

  Huh?

• 1:12:54Speaker 03

  Not right now, but before we, like, because when my dad passed away, my, I was a hundred percent helping my mom in Brazil. A hundred percent because she, my pa, my dad passed.

• 1:13:06Caleb Hammer?

  I would do the same thing. It's, it's the entitlement to it that I don't like, but.

• 1:13:09Speaker 03

  Um, she's just working right now, um, after 20 years because my dad was a type of guy that, oh yeah, when we doesn't work and all of that, I'm the man and blah, blah, blah. But my dad was not a great guy with money as well. Um, very, very bad decisions that made us going to sleeping on the floor and my mom making me go bed hungry when I, um, bed early.

• 1:13:27Caleb Hammer?

  Okay, I get it, I get it. I ask you why you haven't paid a hundred forty-three dollars? I don't know when we ended up with sleeping on the floor for the fourth time. Like, I get it, that's sad. I do empathize with that. Why the haven't you, why not prevent having to sleep on the floor again? How about we do that?

• 1:13:45Speaker 03

  Okay, so when I thought, and this is kind of dumb, right now it's dumb, after, you know, being here and or watching your show, I thought when you pay, make the minimum payment, there's no fee on that or interest and fee. I thought if you want, because in Brazil it's like that. And I know this is not Brazil.

• 1:14:01Caleb Hammer?

  You've been here for a long time.

• 1:14:03Speaker 03

  Yeah, but I always pay my stuff off, but I'm like, okay, let me just put it on before marriage, before.

• 1:14:11Caleb Hammer?

  You've been married for five years.

• 1:14:12Speaker 03

  Yeah, I've been here for 10, uh, nine.

• 1:14:15Caleb Hammer?

  So this excuse holds no fucking weight.

• 1:14:17Speaker 03

  And I only had a credit card the first time because, um, my sister told me it was a good idea to discredit one.

• 1:14:24Caleb Hammer?

  I mean, he just blow past what I say. IRS, yeah, here it is. Yeah, we saw this coming.

• 1:14:31Speaker 03

  That's that and I'm.

• 1:14:32Caleb Hammer?

  Thirteen thousand two hundred and ninety dollars and sixty eight cents.

• 1:14:36Speaker 03

  Last week, we just saw that if we own X amount of IRS, my wife can not be a citizen. Maybe they will.

• 1:14:43Caleb Hammer?

  Well, yeah.

• 1:14:44Speaker 03

  Yeah.

• 1:14:44Caleb Hammer?

  Honestly, fair.

• 1:14:46Speaker 03

  Yeah, of course.

• 1:14:47Caleb Hammer?

  Paying taxes.

• 1:14:48Speaker 03

  I'm paying monthly. I'm paying them.

• 1:14:50Caleb Hammer?

  You're paying your past taxes. You're not even gonna, you're negative. You have no money. You spend more than you make. There's no way you're paying for your twenty twenty four taxes. Good luck.

• 1:14:59Speaker 03

  Yeah.

• 1:14:59Caleb Hammer?

  So, no, you're not paying for your taxes.

• 1:15:02Speaker 03

  Yeah, I'm scared about that too, cuz

• 1:15:05Speaker 03

  again, we didn't put any money on side and um.

• 1:15:08Caleb Hammer?

  Yeah, and you still don't. I didn't. It's not, we didn't. It's you don't. You do not. It isn't past tense. It is present.

• 1:15:18Speaker 03

  It's hard.

• 1:15:18Caleb Hammer?

  Okay, it's hard.

• 1:15:19Speaker 03

  It's very hard.

• 1:15:20Caleb Hammer?

  Yeah, it's hard when you can spend fourteen thousand hours and you make ten.

• 1:15:23Speaker 03

  But how?

• 1:15:24Caleb Hammer?

  Listen, it's eight thousand three hundred forty five from two thousand twenty two.

• 1:15:29Caleb Hammer?

  And then four thousand nine hundred fifty four from two thousand twenty three. Okay.

• 1:15:35Caleb Hammer?

  Crude failure to pay penalty. You're kidding me. What's your monthly damn payment?

• 1:15:41Speaker 03

  Um, only a hundred and forty, a hundred and fifty?

• 1:15:43Caleb Hammer?

  Yeah, let's allow that interest to accrue. Even more. I'm gonna mark it as a hundred fifty.

• 1:15:50Caleb Hammer?

  Stupid dude. Why allow the interest to accrue even more?

• 1:15:53Speaker 03

  I didn't know it was, I thought like it was a one plan thing.

• 1:15:58Caleb Hammer?

  Huh?

• 1:15:58Speaker 03

  I thought it was a one plan thing, like you, you, if I did, like if I own five thousand dollars and.

• 1:16:03Caleb Hammer?

  You can pay more.

• 1:16:05Speaker 03

  I know, but I thought.

• 1:16:06Caleb Hammer?

  So why?

• 1:16:07Speaker 03

  I didn't know there's fees if I just pay the minimum.

• 1:16:10Caleb Hammer?

  Buddy, you've been here for so long. All you have to do is look at one statement ever. Do one Google search ever. Well, no.

• 1:16:17Speaker 03

  I never did that.

• 1:16:18Caleb Hammer?

  Fucking shit. That's what I'm saying, dude. That's what you're copying what I'm saying.

• 1:16:25Caleb Hammer?

  Okay, Kia Forte.

• 1:16:26Speaker 03

  Yeah, that's a bad decision.

• 1:16:28Caleb Hammer?

  Yeah, it hasn't been one good decision in here so far. I don't think so.

• 1:16:32Speaker 03

  That was the worst one. Not one.

• 1:16:34Caleb Hammer?

  Less than paying our taxes? Preventing us from potentially being able to stay in this country? No, I think that would be the worst.

• 1:16:43Speaker 03

  Well, that car, I only had to buy them to work. Cause I had a Corolla was paid off and everything, but I got in an accident that for some reason.

• 1:16:51Caleb Hammer?

  Do you have an LLC? Do you have a business?

• 1:16:53Speaker 03

  No.

• 1:16:54Caleb Hammer?

  You don't even have a business?

• 1:16:55Speaker 03

  I tried to talk with my boss like, hey, do you think it's a good idea? He say no.

• 1:16:59Caleb Hammer?

  Your boss is like borderline actually stupid. He doesn't pay you on time. You trust a guy that doesn't pay you on time?

• 1:17:04Speaker 03

  I trusted him until last year.

• 1:17:06Caleb Hammer?

  Oh my dude, I'm starting, I'm, yes.

• 1:17:09Speaker 03

  Yeah, I know.

• 1:17:10Caleb Hammer?

  Yeah.

• 1:17:11Speaker 03

  But, but, and he promised me like, hey.

• 1:17:14Caleb Hammer?

  If you bought this business expense and it's actually accurate as a business expense, there's things you'd work with your CPA dramatically.

• 1:17:23Speaker 03

  She doesn't do anything.

• 1:17:25Caleb Hammer?

  Then you need a new CPA. Do you have no agency? Are you incapable of doing anything? Like you just say like, no one's willing to help and you're not willing to have a conversation, nothing. Everything is out of your control, apparently. When things bad happen to me, I do about it. Like I will never understand this lack of fucking effort.

• 1:17:47Speaker 03

  I just thought it was normal that that's the only thing that we had to do. Cause I, I trusted her and she looks more professional than me.

• 1:17:53Caleb Hammer?

  Trust people.

• 1:17:55Speaker 03

  It's not, like if you not have that education, you just have to trust.

• 1:18:00Caleb Hammer?

  None of us have that education. It is a very small minority that have financial education. None of us, I didn't, they didn't, your wife didn't. No one that I work with, as far as I know, had any financial education. We learned it because we put in the effort.

• 1:18:17Speaker 03

  So I tried, like last year, I tried to ask to be cheerful about like, hey, do you think it's a good idea to do LLC with my condition? And I worked with this and I put all my stuff over there and then, and even that saying that was kind of the same thing being a 1099. So I'm like, why I'm gonna do LLC if I'm not going to be with this guy?

• 1:18:38Caleb Hammer?

  Well, it helps with organization, like it's, it is the pass through. An LLC is a pass through.

• 1:18:44Speaker 03

  I have no idea what is that.

• 1:18:46Caleb Hammer?

  Okay.

• 1:18:47Speaker 03

  I have no idea.

• 1:18:48Caleb Hammer?

  That's the least of my concerns right now. I'm just like, listen, you owe $479 on this. What's the car worth?

• 1:18:53Speaker 03

  A sixth?

• 1:18:56Speaker 03

  Six thousand, I think. Because that car today in Atlanta is one of the most, um, like people rob there. So after a couple of months when I buy, I got this letter from Progressive saying like, hey, we're gonna raise your, um.

• 1:19:15Caleb Hammer?

  It's worth about ten thousand. It's worth what you owe. As far as we can tell.

• 1:19:19Speaker 03

  Well, I bought it from Carvana and when I do like my.

• 1:19:22Caleb Hammer?

  That's a bad decision.

• 1:19:23Speaker 03

  Yeah. When I do like, put in all my information, put the miles and everything, they say like it worth six thousand dollars. So.

• 1:19:30Caleb Hammer?

  That's what they want it for, so they can sell it for higher Carvana. We put in your VIN and the information, we got ten thousand.

• 1:19:37Speaker 03

  Well, it's someone I, we got in an accident.

• 1:19:42Caleb Hammer?

  Yeah.

• 1:19:42Speaker 03

  Two accident in one week.

• 1:19:43Caleb Hammer?

  But did you tell us that information? So we put it in? We put in the information you gave us and we have ten thousand, six hundred and ninety-nine dollars private sale.

• 1:19:52Speaker 03

  I didn't know about that and.

• 1:19:54Caleb Hammer?

  I don't know about anything. Look.

• 1:19:57Speaker 03

  Well, I look on Carvana, like the place that I bought and they say that.

• 1:20:00Caleb Hammer?

  Carvana is a fucking

• 1:20:04Caleb Hammer?

  machine that buys your car for way under value so it can sell it for over value, honestly.

• 1:20:10Speaker 03

  Is that like all dealer do? Like they gonna pay you less?

• 1:20:13Caleb Hammer?

  Cars, yeah, but Carvana, that's their entire business model.

• 1:20:18Speaker 03

  Well, knowing that.

• 1:20:19Caleb Hammer?

  Okay, what's it as well as Fargo?

• 1:20:21Speaker 03

  It's another car.

• 1:20:22Caleb Hammer?

  What's this car?

• 1:20:23Speaker 03

  Uh, what is it?

• 1:20:24Caleb Hammer?

  Yes, what is this car?

• 1:20:26Speaker 03

  CHR Toyota, um, that is two thousand twenty-one.

• 1:20:31Caleb Hammer?

  You guys got cars that you probably could not afford. This was a ninety percent interest rate. What was the interest rate on the last one?

• 1:20:37Speaker 03

  Twenty something.

• 1:20:39Caleb Hammer?

  No.

• 1:20:39Speaker 03

  No.

• 1:20:40Caleb Hammer?

  No.

• 1:20:40Speaker 03

  No.

• 1:20:41Caleb Hammer?

  Yes, maybe. I don't know. I'm just saying fucking kill me. On the Kia, twenty something percent interest? What are we doing?

• 1:20:49Speaker 03

  I didn't have.

• 1:20:49Caleb Hammer?

  Man, then you don't get it.

• 1:20:52Speaker 03

  But then how it gonna work?

• 1:20:53Caleb Hammer?

  Hey?

• 1:20:54Speaker 03

  How I'm gonna work? I need that car and, and, and when I try to.

• 1:20:58Caleb Hammer?

  What did you buy it for?

• 1:20:59Speaker 03

  What?

• 1:21:00Caleb Hammer?

  Price?

• 1:21:01Speaker 03

  Um, twenty.

• 1:21:03Caleb Hammer?

  Yeah, you didn't need a twenty thousand dollar car.

• 1:21:05Speaker 03

  Something.

• 1:21:05Caleb Hammer?

  You didn't even.

• 1:21:06Speaker 03

  But it was two thousand twenty two.

• 1:21:07Caleb Hammer?

  Don't buy, don't buy.

• 1:21:09Speaker 03

  But it was so expensive.

• 1:21:09Caleb Hammer?

  It was really hard, but you put in the extra effort, man. Cause I assume, listen, when everyone, everyone complains about it was the car, it was the car market. Yes, that is accurate.

• 1:21:18Speaker 03

  I made a good down payment.

• 1:21:19Caleb Hammer?

  I just fucking asked them and then they tell me they go to one dealership and I'm just like, okay. Well, then, yeah, you fucking deserve it. Listen, on this stupid ass nine percent car, thirteen thousand six hundred sixty three dollars and fourteen cents is owed with a minimum monthly payment of five hundred thirty nine dollars and fifty three cents. She has a higher minimum payment balance than you, even though she makes less money.

• 1:21:43Speaker 03

  At least.

• 1:21:44Caleb Hammer?

  Oh.

• 1:21:44Speaker 03

  We never are late on that.

• 1:21:47Caleb Hammer?

  Okay, congratulations, bare minimum effort.

• 1:21:49Speaker 03

  Yep.

• 1:21:52Speaker 03

  At least.

• 1:21:54Caleb Hammer?

  This Apple card, does she have an additional Apple card?

• 1:21:57Speaker 03

  She does.

• 1:21:58Caleb Hammer?

  Why is it, why is he a collections?

• 1:22:00Speaker 03

  Because she doesn't pay for many, many years. That was the card that we had to put, that we had to put, um, our, our down payment for the house and when we moved.

• 1:22:11Caleb Hammer?

  Estimate it.

• 1:22:14Speaker 03

  When we moved, like from that big house and we got back to a smaller apartment, we also put everything over there.

• 1:22:21Speaker 03

  And then when we moved to this apartment, um, and two thousand, in January, two thousand twenty four. We had to move again because.

• 1:22:30Caleb Hammer?

  Cool, what, what are you saying, dude? Just what the fuck are you saying?

• 1:22:34Speaker 03

  A lot of moving was on that card because stuff happened.

• 1:22:37Caleb Hammer?

  Don't be a dumbass, we all move. I've moved once a year my entire life, except for once where I stayed somewhere for two years.

• 1:22:44Speaker 03

  I, I like not to move, but since two thousand twenty one, we have to.

• 1:22:49Caleb Hammer?

  Right, and you make money, it's inconsistent, but you make it, you just budget correctly around that. Oh, it's just so much Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, oh my gosh. And they're also fucking, they're not cheap, they're not cheap. Amazon, Amazon, pull up, Amazon, do you guys share an account?

• 1:23:11Speaker 03

  Yeah.

• 1:23:11Caleb Hammer?

  Pull it up, pull it up, pull it up, pull it up.

• 1:23:13Speaker 03

  Can I pick up my phone?

• 1:23:14Caleb Hammer?

  Yes, please.

• 1:23:17Speaker 03

  It's gonna be her phone.

• 1:23:18Caleb Hammer?

  I don't care.

• 1:23:31Speaker 03

  I really need to go to the restroom, can I go?

• 1:23:33Caleb Hammer?

  Go pee!

• 1:23:36Caleb Hammer?

  I'll look at your Amazon. Go f***ing pee! I have a little tinkle. Socks. Long sleeve workout. High-waisted workout. More socks. Hair care. Cat treats. More cat food. Cat toys!

• 1:23:56Caleb Hammer?

  Cat lounge thing. Cat toys! Cat litter! Okay, it all goes to cats. Okay. Uh, more clothes, more clothes. More pet things and cat stuff and cat stuff and cat stuff and... Face stuff and cat stuff and cat stuff and cat stuff, my gosh, this is crazy! Shampoo. Meal prep bowls. Cat stuff, cat stuff, cat stuff, cats, they really are gays! Okay. My gosh!

• 1:24:30Caleb Hammer?

  I saw probiotics. Bloating. Someone was bloating.

• 1:24:37Caleb Hammer?

  Gloves and jackets and, yeah, I mean, it's just, but so much cat stuff, I don't think it's 100% needed, obviously we want!

• 1:24:46Caleb Hammer?

  Yeah, I'll save it. Oh my gosh. Ladies and...

• 1:24:52Caleb Hammer?

  Gentlemen. I just looked down. The checking account started with a negative balance and it ended with a negative balance with $9,000 going in and out.

• 1:25:03Caleb Hammer?

  What the f*** are we doing here?

• 1:25:10Caleb Hammer?

  Push it out!

• 1:25:13Caleb Hammer?

  I'm not sharing chocolate with a non-hand washer. Why don't you f***ing wash your hands?

• 1:25:19Caleb Hammer?

  Sit down.

• 1:25:23Caleb Hammer?

  Trust that. What the are we starting with negative in our checking account and ending with negative in our checking account? Get right up on that, Mike, because you're quiet, remember?

• 1:25:30Speaker 03

  Yeah, um, um, and my negative my calendar now, like?

• 1:25:34Caleb Hammer?

  Oh, my.

• 1:25:36Speaker 03

  I mean, I know sometimes we might be because I didn't.

• 1:25:38Caleb Hammer?

  But you ended and started negative.

• 1:25:42Speaker 03

  When I.

• 1:25:43Caleb Hammer?

  Oh, my.

• 1:25:45Caleb Hammer?

  You started negative forty-four dollars, six, four cents, ended negative thirty-three dollars and twenty-eight fucking cents. You have fees, let me guess, that's an overdraft, has to be, has to be. But guess what? We went to a steakhouse, thank goodness we went to a fucking steakhouse. We had to go to a steakhouse, really had to go to a steakhouse, wouldn't be able to survive if we didn't go to a fucking steakhouse.

• 1:26:03Speaker 03

  If you see.

• 1:26:03Caleb Hammer?

  Selling out a thousand dollars.

• 1:26:06Speaker 03

  If you.

• 1:26:06Caleb Hammer?

  Winning gas a ball.

• 1:26:08Speaker 03

  Well, that.

• 1:26:08Caleb Hammer?

  Dunkin' Donuts lottery, lottery.

• 1:26:11Speaker 03

  It's not mine.

• 1:26:12Caleb Hammer?

  Lottery.

• 1:26:13Speaker 03

  Probably mine, yeah, it's probably mine, but that.

• 1:26:15Caleb Hammer?

  It wasn't mine, it's probably mine.

• 1:26:16Speaker 03

  Because we both like to do that.

• 1:26:18Caleb Hammer?

  Gambling? We're gambling to try to fucking pay for the tit removal? Brazilian Bakery?

• 1:26:26Speaker 03

  Well, that's.

• 1:26:26Caleb Hammer?

  That's. Selling out a thousand three hundred.

• 1:26:29Speaker 03

  But Zelle is for my, our own account together, that's.

• 1:26:32Caleb Hammer?

  Stupid because you're negative in your fucking checking account.

• 1:26:35Speaker 03

  But that's when I get my check.

• 1:26:37Caleb Hammer?

  You went in and got some bullshit Starbucks, Brazilian Bakery, winning gas a bull Starbucks.

• 1:26:43Speaker 03

  I need, I need to eat, so.

• 1:26:45Caleb Hammer?

  Oh, my. I'm gonna, we need another fucking.

• 1:26:52Speaker 03

  I.

• 1:26:53Caleb Hammer?

  Why should I say that's not too horrible? Something that fucking just. Yeah, cleanse.

• 1:27:00Speaker 03

  You see, that's why I get chocolate when I'm nervous, like you, like.

• 1:27:04Caleb Hammer?

  You're nervous because you're a dumb with your money.

• 1:27:07Speaker 03

  Well, I'm nervous when I.

• 1:27:08Caleb Hammer?

  Lottery, lottery, Victoria's Secret.

• 1:27:11Speaker 03

  That's for my wife, I got, it's probably for her, yeah, of course, I don't use it.

• 1:27:18Speaker 03

  I get her stuff, presents.

• 1:27:22Speaker 03

  When she need new pennies, like real nice ones and everything, I wanna see her like looking nice.

• 1:27:26Caleb Hammer?

  The intent is to take them off.

• 1:27:28Speaker 00

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• 1:27:57Caleb Hammer?

  Anyway, so why does it even matter? Went in and got some bull, Brazilian bakery, Brazilian bakery, Zellin out money. ATM withdraw 162, who knows what the f*** that's for? There's the fee, went and got some BS, paradise. Zellin out, Zellin out, Pan Express, Apple bill.

• 1:28:16Speaker 03

  Yeah, I, I allot us on the, on the road. It's, um, she, I do meal prep once, I'm working only at the office cause they have microwave. But most of the time, I'm two hours away from my house.

• 1:28:29Caleb Hammer?

  Cheeky little producers. We got you something that you fucking really love to fulfill your addiction and it ain't the chocolate in this case. We got you a special little scratch off. Why don't you scratch it? Let's see what you win. Let's see what you win. Oh, there's a little coin. Scratch that. Scratch that. Maybe you can pay for the big ol' surgery, let's see.

• 1:29:01Speaker 03

  You are so fucked.

• 1:29:03Caleb Hammer?

  Yes, okay. It's true. True.

• 1:29:08Speaker 03

  Kinda nice.

• 1:29:10Caleb Hammer?

  Okay, I don't think there's anything else under there.

• 1:29:14Caleb Hammer?

  Starbucks, Zellin out.

• 1:29:18Caleb Hammer?

  Games of War Zell Panda Zell getting some BS Cloud 9 smoke?

• 1:29:26Speaker 03

  That's probably when my mom was smoking. Yeah, she stopped.

• 1:29:30Caleb Hammer?

  On your card? Buddy, this is a month ago.

• 1:29:33Speaker 03

  She probably, um, yeah, she stopped like a month ago cuz she had to.

• 1:29:36Caleb Hammer?

  How's your mom have your debit card?

• 1:29:38Speaker 03

  I was with her and she probably didn't have money, then she's out or something like that.

• 1:29:42Caleb Hammer?

  You didn't have money.

• 1:29:44Speaker 03

  But she paid me. Yeah, she paid me back. But my mom, uh, she stopped smoking after.

• 1:29:49Caleb Hammer?

  Cap, cap! Don't wanna get into BS! Zell, I'm money! Don't wanna get into BS! Brazilian Bakery.

• 1:29:57Speaker 03

  Yeah, it's very.

• 1:29:58Caleb Hammer?

  Oh, our other checking account, it only has a dollar in it! That's my wife. Sorry, a dollar and twenty-one cents, so we better fucking gamble.

• 1:30:04Speaker 03

  I, I don't know why my wife, I mean, she, she opened that one cuz she had a choice.

• 1:30:08Caleb Hammer?

  My wife, my wife, all my wife, my wife, my wife!

• 1:30:11Speaker 03

  She doesn't use that one.

• 1:30:12Caleb Hammer?

  My wife, huh?

• 1:30:14Speaker 03

  I mean, I think she doesn't.

• 1:30:15Caleb Hammer?

  This is transfers back and forth, it's not even bull this thing on here.

• 1:30:20Caleb Hammer?

  Okay, where we got? Okay, this checking account actually has money. Well, it started with ninety-three dollars, but it ended with a thousand, I'm sure that's not normal. Got Winnie and Gus and BS, what are you going to the store and get? Who's going into the store and getting things? Is this the fucking Hershey's? We're going and getting Hershey's? It actually get me. No, going and getting some Hershey's, going and getting some Hershey's. Brazilian something, going and getting some Hershey's. Oh, there's so many purchases on here!

• 1:30:47Speaker 03

  Yeah, I use that card for every.

• 1:30:48Caleb Hammer?

  Oh, guys, I have to read these!

• 1:30:51Speaker 03

  Yeah, that's, that's our main account.

• 1:30:53Caleb Hammer?

  Restaurant, Amazon!

• 1:30:55Speaker 03

  Restaurants.

• 1:30:56Caleb Hammer?

  Fashion!

• 1:30:57Speaker 03

  I'm, I'm working and I need to stop.

• 1:30:59Caleb Hammer?

  Subscriptions! Netflix, oh, there's a whole other fucking page, I hate this! Apple Store. Purchase, I don't even know! Hulu, Rose Brazilian, McDonald's, Little Burn, going in, getting some fucking Hershey's.

• 1:31:17Caleb Hammer?

  Pope! Winnie Gus and Hershey's! Winnie Gus and Hershey's! Shake Shack, Hershey's!

• 1:31:22Speaker 03

  Yeah, most of the time I'm not eating, I just get Hershey's. Yeah.

• 1:31:28Caleb Hammer?

  Amazon, Paner Bread, Brazilian Bake, Lottery, Shopify, Lash Tech, who's getting their lashes done every 5 seconds? Amazon, Paramount.

• 1:31:42Speaker 03

  It's not Lash, it's just like the cheap ones that she, probably she goes and buy on Amazon because she used to do her-

• 1:31:49Caleb Hammer?

  Oh, Panda Express.

• 1:31:51Speaker 03

  Yeah, but-

• 1:31:52Caleb Hammer?

  Chocolate, Brazilian Bake, Amazon, chocolate, chocolate! I'm- Chocolate, chocolate!

• 1:32:04Speaker 03

  I'm trying.

• 1:32:04Caleb Hammer?

  Decur, McDonald's, Amazon, overdraft! There it is! Chocolate, chocolate! Amazon Panda Express, chocolate! Rocket money, you don't even have to pay for that, you get this!

• 1:32:19Speaker 03

  Yeah, I stopped paying now.

• 1:32:22Caleb Hammer?

  Overdraft, dude, this is stupid, you're blaming on your fucking wife. No, it's not her. I don't wanna hear your voice anymore, I'm, I've concluded. The $5 a second, we're going to the lottery twice, thank the- We go to the lottery and every fucking account except for the one that she has, by the way.

• 1:32:39Speaker 03

  Well, no, this is her.

• 1:32:40Caleb Hammer?

  Oh, you're gonna talk? Yeah, what are you talking about, what are you gonna say?

• 1:32:43Speaker 03

  The lottery is, is both of us, but I know she likes to grumble a little bit.

• 1:32:47Caleb Hammer?

  That's right, you both like to just destroy every fucking thing.

• 1:32:50Speaker 03

  Well, if we win-

• 1:32:52Caleb Hammer?

  You're not a credit card person, if you're gonna use a credit card, use a fucking Fiz card, because it's at least a debit card that builds credit. You can't have access to credit lines. This is so dumb, you're 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 15 individual debts!

• 1:33:08Speaker 03

  Yeah, that's-

• 1:33:09Caleb Hammer?

  Good, let's see if there's even a chance here. $10,788.05 came in. Let's see your debt, I'm gonna want to see if I can pay this for my life.

• 1:33:20Speaker 03

  Just to be clear.

• 1:33:21Caleb Hammer?

  Ah, what?

• 1:33:24Speaker 03

  It's not, I don't want, I don't want people to think that I'm blaming only my wife, but I just.

• 1:33:28Caleb Hammer?

  Say what you fucking wanna say.

• 1:33:30Speaker 03

  I just want, you know, maybe if we change, she changed um work. That will be a little bit better.

• 1:33:38Caleb Hammer?

  You.

• 1:33:39Speaker 03

  Like getting maybe a paycheck that only like fifteen days or make it a little bit better.

• 1:33:44Caleb Hammer?

  Your debt minimums the payments. Your debt minimums the payments, my guy. Oh my god, dude. One thousand eight hundred fifty-three dollars and ninety-two cents. What is your rent one more time, seventy hundred?

• 1:33:58Speaker 03

  Seventeen.

• 1:33:58Caleb Hammer?

  What about utilities on a monthly basis?

• 1:34:00Speaker 03

  Um, energy a hundred, um, and water comes like forty.

• 1:34:06Caleb Hammer?

  That's it, okay, internet.

• 1:34:08Speaker 03

  Um, it's already included on apartment.

• 1:34:10Caleb Hammer?

  One forty, okay, very good. Gas, both of you.

• 1:34:15Speaker 03

  Maybe six hundred dollars per month.

• 1:34:16Caleb Hammer?

  Car insurance is both of you.

• 1:34:18Speaker 03

  Um, right now is four fifty.

• 1:34:21Caleb Hammer?

  Phone bill?

• 1:34:22Speaker 03

  Two hundred and seventy. Sixty-six dollars my mom, so she pay me, she's paying, she paid me very like before.

• 1:34:29Caleb Hammer?

  Well, that's calculating your fucking income, because we calculated everything that came in. So TP fund, anything else to survive, two hundred dollars, groceries.

• 1:34:38Speaker 03

  We have cats.

• 1:34:39Caleb Hammer?

  Six hundred dollars, use the cookbook that comes with the budget app, anything medical, medical on a monthly basis.

• 1:34:45Speaker 03

  No, just, we have um insurance for cats.

• 1:34:48Caleb Hammer?

  Gym?

• 1:34:49Speaker 03

  Twenty dollars.

• 1:34:50Caleb Hammer?

  Okay. How much for the cats? Insurance?

• 1:34:53Speaker 03

  Sixty dollars both.

• 1:34:55Caleb Hammer?

  Sixty each?

• 1:34:56Speaker 03

  No, six both.

• 1:34:57Caleb Hammer?

  Six for both, okay, cat food?

• 1:34:59Speaker 03

  A hundred and twenty per month.

• 1:35:01Caleb Hammer?

  Anything else that needs to be in your budget that I have not put in your budget?

• 1:35:05Speaker 03

  Hmm.

• 1:35:06Caleb Hammer?

  That is necessary for survival.

• 1:35:08Speaker 03

  Um, our car payments.

• 1:35:09Caleb Hammer?

  I put all your debt in there.

• 1:35:12Speaker 03

  Insurance, car, rental, I'm trying to remember here, but I, I think that would be it. And I know like per month, I might need like five thousand dollars to survive, maybe.

• 1:35:24Caleb Hammer?

  Uh, no buddy, roundup, it is literally by a couple dollars, basically six thousand, but five thousand nine hundred ninety-three dollars and ninety-two cents. But you still have left more money. There is no reason to be in this debt and that's why I'm gonna just nearly borderline just end this. Let's just call it 4,000. Get $500 of fun. Sure, sure. $500 to send to people or $500 for fun. It is up to you, but that's what I'll allow. You have $3,500 extra. Choose what to do with that 500. Okay, great. You have 60,000 dollars of debt? Cool. 30,500? Good. It's done in 17 months, dude. This is nothing. There's no reason to be in this debt. It is listed a year and a half and you're out of the debt and I gave you 500 dollars of fun money, which everyone, everyone who's been on the show wishes they had.

• 1:36:07Caleb Hammer?

  Man, this is not, it doesn't, not, not. You'll have a fully funded emergency fund and be completely debt free within two years. I'm fucking done. I'm fucking done. We're going to the post show. We're going to the fucking post show. You can join our membership. Link in the description below. Hammer Elite has more content than any other YouTube membership and it's also one of the largest memberships on this entire platform and that is for a reason confirmed by our internal sources. So make sure you join that. Best value for your dollar. Hammer Financial Score. Spending in a budget, you overspend, zero out of 10. Debt, you have collections and irons, that's zero out of 10. Emergency fund, nothing to save, zero out of 10. Retirement, nothing in there, no, zero. Real estate, zero. Even though there's no reason because you have so much money left over on a monthly basis, this is the stupidest zero out of 10 in the world,

• 1:36:51Caleb Hammer?

  but you have a fucking Hammer Financial Score, zero out of 10 for absolutely no reason whatsoever. Probably because you ruined your fucking brain with chocolate. Chocolate. Chocolate. Chocolate. Chocolate. Chocolate. We're going to the post show. Chocolate.

• 1:37:11Caleb Hammer?

  Shit. We're going, we're going. Download the budgeting app. Download the budgeting app. See you in the post show. Bye, bye, bye. I'm gonna let you know. He blamed you for all of it. It's not like that.

• 1:37:22Speaker 04

  You think I am the problem and I'm not the problem.

• 1:37:25Caleb Hammer?

  You don't help me too much.

• 1:37:28Speaker 04

  We start the conversation blaming me. I am the one who pays for everything.

• 1:37:33Caleb Hammer?

  What do you think of your wife all of a sudden being like, I'm a husband now?

• 1:37:36Speaker 04

  That's not good.

• 1:37:37Caleb Hammer?

  To watch the financial audit post show, click the join button below.

• 1:37:41Speaker 01

  Your sausage McMuffin with egg didn't change. Your receipt did. The sausage McMuffin with egg extra value meal includes a hash brown and a small coffee for just $5. Only at McDonald's for a limited time.

• 1:37:54Caleb Hammer?

  Pricing participation may vary. Promotion pricing may be lower than meal pricing.