Spoiled. Toxic. B*tch. | Financial Audit

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

• 0:01Speaker 00

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• 0:27Speaker 01

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• 0:56Caleb Hammer?

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

• 0:59Speaker 03

  I have a tendency to manipulate my fiance into doing whatever I want.

• 1:04Caleb Hammer?

  The fiance? Like what?

• 1:06Speaker 03

  I know I'm always gonna end up getting my way. I have him wrapped around my finger.

• 1:09Caleb Hammer?

  Oh, f***ing sake!

• 1:12Speaker 03

  Yes, I am like going behind his back and doing that, but in another way, like I'm getting what I want.

• 1:19Caleb Hammer?

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• 1:47Speaker 03

  Hi, my name is Lexi. I'm 24 years old. I'm from Lafayette, Louisiana, and this is Financial Audit.

• 1:54Caleb Hammer?

  You are the second person today with the holes in the ears and the septum piercing. What creatures have we drug off the street? I appreciate you coming down here or over from Lafayette. What do you do there for a living, Lexi?

• 2:10Speaker 03

  So I work from home. Uh, I work at a third party. It's a, it's weird to explain, but it's a third party company that helps out insurance companies.

• 2:22Caleb Hammer?

  What is your job?

• 2:23Speaker 03

  I'm a policy processing representative.

• 2:25Caleb Hammer?

  Very good. What do you make?

• 2:26Speaker 03

  I make 35K a year.

• 2:32Speaker 03

  I make salary.

• 2:35Caleb Hammer?

  Salary 35,000? Usually minimum when it comes to salaries is we're seeing at least like 41, 42. Why is this so low?

• 2:44Speaker 03

  I may be wrong then. It could be hourly, but I, you know, they say 16, it's about 1690 something an hour, but.

• 2:51Caleb Hammer?

  How many hours a week are you working?

• 2:52Speaker 03

  40, full time.

• 2:54Caleb Hammer?

  Okay. Do you know hits your account on a monthly basis? Maybe that's your after tax.

• 3:01Speaker 03

  Yes, I have it in my phone. Am I allowed to pull that out?

• 3:05Caleb Hammer?

  Yeah, if you don't know your monthly.

• 3:08Speaker 03

  Yeah.

• 3:09Caleb Hammer?

  Income.

• 3:10Speaker 03

  I know the income between me and my fiancee, uh, monthly, I like.

• 3:17Caleb Hammer?

  Congratulations.

• 3:18Speaker 03

  Thank you. Thank you so much. Monthly income, our total checks.

• 3:22Caleb Hammer?

  What is he? What is he? Is he been a little, what's happening?

• 3:25Speaker 03

  So.

• 3:26Caleb Hammer?

  I feel like we should be having a fiancee conversation.

• 3:28Speaker 03

  Yeah, no. So he just started this new job and he doesn't have any time off accrued yet. So he's not able to make it, unfortunately.

• 3:35Caleb Hammer?

  Okay. Are we looking at both y'all's combined or just you?

• 3:37Speaker 03

  Our, uh, both of ours combined.

• 3:39Caleb Hammer?

  Okay. So what hits your account?

• 3:41Speaker 03

  Total check is 2,093.45.

• 3:45Caleb Hammer?

  How often?

• 3:46Speaker 03

  Twice a month.

• 3:47Caleb Hammer?

  2,935?

• 3:48Speaker 03

  Uh, 2,093.45.

• 3:52Speaker 03

  So 2,900.

• 3:54Caleb Hammer?

  Oh, I see what you're saying.

• 3:55Speaker 03

  Yeah, yeah, 45 cents.

• 3:57Caleb Hammer?

  Okay.

• 3:58Speaker 03

  Total is 418690.

• 4:00Caleb Hammer?

  The way you say numbers is a bit.

• 4:02Speaker 03

  I know, I'm sorry.

• 4:04Caleb Hammer?

  But that's okay. So 4,186,090 cents is your account on a monthly basis.

• 4:09Speaker 03

  On a monthly basis.

• 4:10Caleb Hammer?

  Okay. So what are we talking about today? Because, uh, you know, first of all, that gets you 50,000 dollars a year after taxes. You clearly have no idea what the [bleep] you're making because you cut your income likely in half. I don't know how someone does that, but that clearly suggests that we're not budgeting. What is going on? What are we talking about today?

• 4:32Speaker 03

  Yeah, so, um, basically me and my fiance are stuck in a cash advance cycle. Of course, it started with our normal debt. Like, you know, we came into the relationship. I had my small Discover card with about a $4,000 limit. He came in with like a $20,000 limit.

• 4:49Caleb Hammer?

  Okay. When?

• 4:51Speaker 03

  This was 2021 when we started dating.

• 4:54Caleb Hammer?

  Okay, okay. Well, your finances shouldn't have been intertwined at that point anyway.

• 4:58Speaker 03

  No, they were not.

• 5:00Caleb Hammer?

  But, okay, I get it. And the cash advance cycle can be a struggle. Sometimes it can be helpful to use a service like that, but when you get really stuck in it, it's, it's again, just, it's a tool like your credit card. It's a tool like any of that. It can be good. It can, by the vast majority of people, just completely get stupid.

• 5:16Speaker 03

  Absolutely. I think one of the other things I wanted to touch on, I need to stop manipulating my way out of debt.

• 5:25Caleb Hammer?

  What does that even mean? What does that possibly even mean?

• 5:28Speaker 03

  Basically.

• 5:29Caleb Hammer?

  Why are you just hitting? Okay.

• 5:32Speaker 03

  I have a tendency to manipulate my fiance into doing whatever I want.

• 5:37Caleb Hammer?

  The fiance? Like what?

• 5:39Speaker 03

  We bicker back and forth a lot, but I know I'm always gonna end up getting my way. I have him wrapped around my finger.

• 5:45Caleb Hammer?

  What does that mean? What are different ways that you get?

• 5:48Speaker 03

  Batting my eyelashes, doing the flirting.

• 5:50Caleb Hammer?

  I'm not asking what it takes to get it.

• 5:51Speaker 03

  Okay, okay.

• 5:52Caleb Hammer?

  I am talking what you win.

• 5:54Speaker 03

  Um, usually getting more cash advances. I'm the one that's putting us in the cycle and he's the one that's trying to get us out.

• 6:04Caleb Hammer?

  Why'd you use we? So how does that conversation look?

• 6:08Speaker 03

  We have used all of our money from our paychecks from our bills and I either want to buy something or I want to

• 6:17Caleb Hammer?

  Buy what?

• 6:18Speaker 03

  Maybe makeup.

• 6:19Caleb Hammer?

  For fuck's sake, and we know you certainly love it, so.

• 6:23Speaker 03

  Yeah, um, or like going out to, we love to do karaoke. We're both musicians, so we love doing karaoke and I will.

• 6:29Caleb Hammer?

  The classical musician thing. Karaoke at a bar.

• 6:35Speaker 03

  We also perform as well, but karaoke is like a big thing for us.

• 6:39Caleb Hammer?

  So we cash advance to karaoke?

• 6:41Speaker 03

  Yeah, absolutely.

• 6:42Caleb Hammer?

  Yeah, absolutely. So casually. But he's against this. He pushes back and you're just like, oh, please?

• 6:50Speaker 03

  Yes. He pushes back and I push back even harder and I'm always just convincing him that like, we have enough for the next paycheck. We can pay it off and uh.

• 7:02Caleb Hammer?

  Is he desperate? I don't know. How old is he? What is happening?

• 7:05Speaker 03

  He is 28.

• 7:06Caleb Hammer?

  Is he desperate?

• 7:11Speaker 03

  Maybe we can ask him. I don't know.

• 7:13Caleb Hammer?

  Okay, maybe I'll call him later and ask then.

• 7:15Speaker 03

  Yeah, probably.

• 7:16Caleb Hammer?

  I mean, they're telling me you hide spending from him until he notices how much he spends, how much you spend.

• 7:22Speaker 03

  Yes, yeah, we have a joint account.

• 7:24Caleb Hammer?

  From your literal fiance, i.e. what we're trying to spend the rest of our lives together, potentially have kids with. Do we have kids?

• 7:31Speaker 03

  No, not yet.

• 7:32Caleb Hammer?

  Okay, potentially have kids with. You're hiding spending from him. What are you hiding?

• 7:39Speaker 03

  It's usually like if I go out to grocery shop or if I go.

• 7:44Caleb Hammer?

  You're not hiding grocery shopping from him.

• 7:46Speaker 03

  What I mean is if I go out to grocery shop and I see something that I want, that's what I'll hide. I'll like hide it in the grocery money.

• 7:56Caleb Hammer?

  What the fuck are you talking about? Like what?

• 7:58Speaker 03

  Once again, makeup or just like products, tanning.

• 8:03Caleb Hammer?

  I guess you did.

• 8:06Caleb Hammer?

  Certainly did something to your eyebrows.

• 8:09Speaker 03

  Trying to figure out what I did.

• 8:11Caleb Hammer?

  Well, it's a little Mulan-ish.

• 8:12Speaker 03

  Oh, thank you. Um, no, I shave the tails of my eyebrows and then draw them back on.

• 8:17Caleb Hammer?

  It's interesting. It's an art project.

• 8:19Speaker 03

  Yeah, absolutely.

• 8:20Caleb Hammer?

  Guess everything's a canvas when you're creative.

• 8:24Caleb Hammer?

  Uh, okay, so you hide that?

• 8:27Speaker 03

  And like the grocery spending.

• 8:29Caleb Hammer?

  And what else?

• 8:30Speaker 03

  Uh, also like, uh, tanning. I love to go tanning. So like self-tanner.

• 8:35Caleb Hammer?

  They're all lining up so far.

• 8:37Speaker 03

  Yeah.

• 8:38Caleb Hammer?

  They're all...

• 8:39Speaker 03

  Yeah.

• 8:39Caleb Hammer?

  Everything you're mentioning is very visually represented.

• 8:42Speaker 03

  Perfect.

• 8:46Caleb Hammer?

  Okay.

• 8:47Speaker 03

  Definitely.

• 8:47Caleb Hammer?

  What else?

• 8:49Speaker 03

  Um...

• 8:50Caleb Hammer?

  Wait, you hide going to the tanning, going and getting tanned in the grocery budget?

• 8:54Speaker 03

  Absolutely.

• 8:55Caleb Hammer?

  You guys lined out a grocery budget and you go get [bleep] tanned?

• 9:01Caleb Hammer?

  What are you doing? Why? He's your fiance. You wanna have a life together. How the [bleep] could he even trust you? How could he trust that you guys come together and make a budget so we can get out of the cash advance cycle? And he just trusts you to not go [bleep] spread cheeks under a light and get your whole all browned?

• 9:17Speaker 03

  He's a really trusting guy, I guess.

• 9:20Caleb Hammer?

  And that's bad, clearly.

• 9:22Speaker 03

  Yeah.

• 9:23Caleb Hammer?

  And you're okay with it? You don't feel disgusted? I'm a little disgusted. Really? Nothing. No remorse. No sympathy. No perspective of what the other person might be feeling on the other side. No empathy. Nothing, nothing, nothing. And how often does he find this out?

• 9:43Speaker 03

  Usually right after I make the purchase.

• 9:45Caleb Hammer?

  Oh, and how does that conversation go? Cause obviously he didn't really consent to that purchase and then you do it and then he's like, oh, [bleep] now I know. Please don't do it again. How does that conversation go?

• 9:55Speaker 03

  Basically just how you described it. He, you know, figures out that I bought something and I tell him, "Oh yeah, so I, I may have bought this as well and, "Oh, okay, but just don't do it again." And I'm like, "Okay," and then turn around and do it again.

• 10:12Caleb Hammer?

  And what are your feelings on that lady?

• 10:15Speaker 03

  I mean, in a certain way, yes, I am like not happy about like having, you know, going behind his back and doing that. But in another way, like I'm getting what I want. So, I mean, I grew up in a spoiled, like I was spoiled growing up.

• 10:32Speaker 03

  I never got told no. So I-

• 10:34Caleb Hammer?

  You're 24.

• 10:35Speaker 03

  Yeah.

• 10:36Caleb Hammer?

  You've grown up.

• 10:39Caleb Hammer?

  You've grown the f*** up. At least you're supposed to. You're trying to smell me? What are you doing?

• 10:44Speaker 03

  No, I'm sorry.

• 10:47Speaker 03

  No, um.

• 10:51Speaker 03

  I mean, I, yeah, grew up in a spoiled household. I never got told no.

• 10:56Caleb Hammer?

  From mommy and daddy?

• 10:57Speaker 03

  From mommy and daddy.

• 10:58Caleb Hammer?

  What the f*** dude? So now you're just using this guy? What? Are you sick? Are you trying to smell your piercing? I'm so confused.

• 11:07Speaker 03

  No, I'm sorry. I, I breathe really hard. I'm sorry.

• 11:10Caleb Hammer?

  That's not breathing. We don't call that breathing. That's snorting.

• 11:17Speaker 03

  I'm not trying to, I'm not trying to do it on purpose. I promise.

• 11:20Caleb Hammer?

  So, tell me how the conversation actually goes though. I want to hear it. Give me his perspective. Let's see if you can empathize with the other side. Tell me. Are you mimicking, mimicking me?

• 11:33Speaker 03

  So basically, uh-

• 11:34Caleb Hammer?

  Is this?

• 11:35Speaker 03

  Basically, what happens is I will come home from spending money on groceries and whatever small thing-

• 11:44Caleb Hammer?

  Come home from spending money. Great.

• 11:46Speaker 03

  Come home from spending money.

• 11:47Caleb Hammer?

  That's a great job.

• 11:49Speaker 03

  And he will confront me usually and say, hey, I noticed that this amount of money has come out of the account. What did you spend it on? I tell him like either, you know, XYZ, this is what I spent it on. And he will either get upset or he is okay with it.

• 12:09Caleb Hammer?

  And how do you act? What is your personality like during that?

• 12:12Speaker 03

  Very flan, like nonchalant, basically. Just like, oh, okay.

• 12:17Caleb Hammer?

  You? That's your personality during that?

• 12:22Caleb Hammer?

  Okay, continue.

• 12:24Speaker 03

  I mean, it goes from, you know, telling him like what I spent my money on. Either he's okay with it, or either he is not okay with it. And if he's not okay with it, we bicker back and forth. Just, why would you spend money on that? You know, we're trying to get out.

• 12:39Caleb Hammer?

  Why would you go do it again? How would you go do it again if he's clearly visibly upset? And you guys bicker back and forth?

• 12:44Speaker 03

  Okay, but like, the things I'm spending it on is like, stuff I need. Like makeup, like I need makeup, I need to go out like in public.

• 12:50Caleb Hammer?

  You might, I'm not sure, but...

• 12:51Speaker 03

  I need to go out in public and I have to put on a face.

• 12:54Caleb Hammer?

  Yeah, but you don't mean you can. Put on a face, what is your normal face? Let me see a picture of you without makeup.

• 12:58Speaker 03

  Oh, I don't know if I have a photo of me without makeup. Let's see.

• 13:03Caleb Hammer?

  So you're always fake?

• 13:04Speaker 03

  Yeah, absolutely.

• 13:05Caleb Hammer?

  Oh, we love fake people.

• 13:07Speaker 03

  Yeah, um, but I'm also like, super pale normally, so I like, god, I don't think that...

• 13:14Caleb Hammer?

  But you used the word need, do you understand what the word need means? You could go, I suck.

• 13:19Speaker 03

  That's another thing that I have a problem with. He clearly, that's one of the things he brings up. You don't know the difference between need and want.

• 13:27Caleb Hammer?

  Yeah, sounds like he should be on this side of the table. So why don't you correct anything? Cause he brings up what sound like likely good points? And he wants your guys' relationship to work for some reason? And you're like, no, that, I'm going to keep being horrible?

• 13:43Speaker 03

  I just...

• 13:46Caleb Hammer?

  You, you have no desire to change. No desire to be a better person. No desire to lift him up. No desire to change your bad habits for him. Let me see a picture of him.

• 13:57Speaker 03

  I have a picture of our engagement photo as my background.

• 14:03Caleb Hammer?

  He's not a bad looking dude, what is he doing? Okay.

• 14:05Speaker 03

  But yeah, no, um, I mean, that's not true. I do want to change, that's, I mean, that's why I'm here. Like, I wouldn't be here if I didn't want to change. I realize like I have a...

• 14:18Speaker 03

  Whatever, but like-

• 14:19Caleb Hammer?

  It's so nothing, it just means nothing. That's what everyone says. It's an immediate deflection. That's why I'm here. No sh- I mean, come on. What have you actually done to change? Instead of, instead of just, "That's why I'm here." Give me actions you've done to change.

• 14:33Speaker 03

  Okay, uh, I, oh, I went into an MLM. I put myself in an MLM.

• 14:40Caleb Hammer?

  But you know it's an MLM. You just said MLM. So what's- Why would you do it?

• 14:45Speaker 03

  Because I didn't, at the time, obviously, I didn't know it was an MLM.

• 14:49Caleb Hammer?

  What the f- was it?

• 14:50Speaker 03

  It was Cincy.

• 14:52Caleb Hammer?

  Uh, Cincy, is that makeup?

• 14:54Speaker 03

  No, Cincy is a, uh, like candle company. It's like candle wax and like wax warmers and stuff like that. They have-

• 15:01Caleb Hammer?

  What are we doing?

• 15:03Speaker 03

  Uh, yeah, I had a family friend who was into it. I started under her, thinking like, "Oh, this is gonna make us extra money." She was talking about how she was paying off her camper note with it. And I was like, "Damn, I could make that much money." So I got myself into it. I paid $200 for a starter kit. And ended up not selling anything because-

• 15:24Caleb Hammer?

  Yeah, who the f- could be buying your wax?

• 15:27Speaker 03

  Hey-

• 15:27Caleb Hammer?

  Honestly, who would buy your wax?

• 15:29Speaker 03

  It smells good.

• 15:30Caleb Hammer?

  Who would buy the wax? I'm glad it smells good. Who would be buying the wax?

• 15:33Speaker 03

  Obviously, like, family friends, or like, at the time-

• 15:37Caleb Hammer?

  So it's milking your family friends. So not only do you manipulate your hot fiance out of everything, you also manipulate your friends to buy your f- So that you can make money on your MLM. And how much money did you make?

• 15:50Speaker 03

  Jeez, uh, I would say, I think I made enough to pay off the starter kit. 200 bucks.

• 15:56Caleb Hammer?

  Over how long?

• 15:58Speaker 03

  Three months.

• 15:59Caleb Hammer?

  Oh, for f- So what are you doing? That's not trying to change something. You, and then you what?

• 16:04Speaker 03

  And then I stopped, because I just knew it wasn't going-

• 16:07Caleb Hammer?

  $200, at least it was just $200. You didn't spend any more money on it, did you?

• 16:11Speaker 03

  I did, yeah. I actually, I bought some of the products, uh, because-

• 16:16Caleb Hammer?

  What the-

• 16:17Speaker 03

  They had-

• 16:17Caleb Hammer?

  What are you-

• 16:18Speaker 03

  But they had Disney, they had Disney stuff, and I remember for Christmas stuff.

• 16:22Caleb Hammer?

  How much did you spend? Because we have the starter kit, $200. How much did you spend?

• 16:27Speaker 03

  Probably another 150.

• 16:30Caleb Hammer?

  Why?

• 16:32Speaker 03

  I, the, the stuff-

• 16:33Caleb Hammer?

  What was the purpose?

• 16:33Speaker 03

  It was really cute.

• 16:35Caleb Hammer?

  Oh, for-

• 16:35Speaker 03

  It was really cute, it made that house-

• 16:37Caleb Hammer?

  Who'd you buy that through?

• 16:37Speaker 03

  Myself. I bought it under my plan.

• 16:40Caleb Hammer?

  So you kinda got her cut?

• 16:42Speaker 03

  Yeah.

• 16:42Caleb Hammer?

  Like a discount?

• 16:43Speaker 03

  Yeah.

• 16:43Caleb Hammer?

  Almost?

• 16:44Speaker 03

  Yes.

• 16:45Caleb Hammer?

  This is so moronic. And what does the man think of this?

• 16:49Speaker 03

  Um, he wasn't very happy about it because...

• 16:54Caleb Hammer?

  Why is he still with you? From your perspective?

• 16:57Speaker 03

  I think he really likes my personality. I think when it comes to finances, you know, I may not be the most empathetic, but in other...

• 17:07Caleb Hammer?

  Empathetic? You literally can go behind his back when you guys have agreed upon a budget and then you manipulate him to let you spend more money when you shouldn't, to continue the fucking pay advance cycle. And then you manipulate your friends and family to try to sell things off and out of an MLM for them. What the fuck? What are you talking about? You're under- underscoring kinda what you do. You're undercooking a little there. But go on. Why would is- why does he like ya?

• 17:30Speaker 03

  I think in other situations, like outside of the finances, I am a very empathetic person normally.

• 17:39Caleb Hammer?

  Uh huh.

• 17:40Speaker 03

  Mm-hmm.

• 17:43Caleb Hammer?

  No.

• 17:43Speaker 03

  I mean, you can say whatever you want, but...

• 17:46Caleb Hammer?

  That's incorrect.

• 17:48Speaker 03

  I mean, you're just meeting me for the first time. How could you know?

• 17:50Caleb Hammer?

  Because I know you.

• 17:53Speaker 03

  You know me.

• 17:54Caleb Hammer?

  I know you. Listen to what you fucking said and how you've described these things. What are you talking about? You haven't changed a single, single piece of behavior after these tough conversations with him. You haven't changed a thing. What are you talking about empathy? What empathy do you have? Oh, you see a skinny kid in Africa, so you get a little sad?

• 18:17Speaker 03

  No, I mean, like in other...

• 18:19Caleb Hammer?

  No, you don't even feel sad from that.

• 18:20Speaker 03

  No, that's not what I mean. You know that's not what I mean. In other situations, like, you know, when he's feeling sad, like I'm there for him and I, I help him like feel better and stuff.

• 18:31Caleb Hammer?

  Basic bare bones responsibilities...

• 18:35Speaker 03

  I mean...

• 18:36Caleb Hammer?

  Of a partner. He's sad, so you support him. Wow.

• 18:45Caleb Hammer?

  That is not you being a good person. I can't allow you to think you're a good person. You've consistently gone behind this guy's back. I'm not gonna just sugarcoat this and just let you off. I don't care if I look mean. You act like a piece of [BLEEP] financially with him. And minimum by your own admission. So I don't know what the [BLEEP] you're talking about empathy. How much is usually in your guys' checking account? Just between paycheck, paycheck.

• 19:14Speaker 03

  Between paycheck, usually we're in the negative.

• 19:17Caleb Hammer?

  Good [BLEEP] and yet you don't stop your [BLEEP] cake machine and everything. This makes no sense. You're prioritizing your selfish desires over any potential future. How long have you guys been engaged?

• 19:30Speaker 03

  We've been engaged for two years and we get married in October.

• 19:33Caleb Hammer?

  Oh, man. If you're listening, is he watching this?

• 19:36Speaker 03

  Most likely.

• 19:37Caleb Hammer?

  Man, give me a call if you need, buddy. Doesn't even have to be on camera. What the [BLEEP] are you doing? You got time? Sorry, I'm not trying to be a [BLEEP], but look at how you're doing.

• 19:49Speaker 00

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

• 20:13Caleb Hammer?

  Things, lady? You're fully self-admitting and almost proud in the way you present that you're okay with going behind your back. And I do appreciate you for what it's worth, being willing to be open and honest. That is a tough thing. That is a brave thing to do, and I appreciate that. But you're also kind of a [BLEEP].

• 20:29Speaker 03

  I mean, yeah, I guess I am a bitch about it.

• 20:37Caleb Hammer?

  Yeah, you're a

• 20:39Speaker 03

  I also would like to put forward that with the like our negative balance, we actually have Capital One and they have no fee overdraft. So, I mean, it's not that big of a deal that we're going into overdraft.

• 20:53Caleb Hammer?

  So it's okay that we're completely financially guys, because we're not, we'll never be able to get a house, never be able to take care of kids, never be able to pay off debt, never be able to get a head in anyway whatsoever, never be able to do anything. Good luck retirement. Ha, ha, ha. Never heard of that, but we don't have overdraft fees, guys, so we're golden.

• 21:10Speaker 03

  I do have

• 21:12Caleb Hammer?

  are you talking? Yeah. How much is in your retirement?

• 21:14Speaker 03

  About 2.5 last time I checked, 2.5K.

• 21:21Caleb Hammer?

  When did you start working?

• 21:22Speaker 03

  Uh, last year, June 3rd.

• 21:25Speaker 03

  So I've been there just about a little

• 21:27Caleb Hammer?

  I assume you just turned on a match, right? You just turn on your match?

• 21:31Speaker 05

  The number one YouTube membership just got upgraded. And for this month only, you can join for free. Three exclusive shows every day, Monday through Friday. Financial Audit Post Shows. Exclusive and uncensored Financial Audit episodes. Our call-in show, Hammer It Out.

• 21:52Caleb Hammer?

  Well, then take the train.

• 21:54Speaker 05

  And brand new shows, Fat and Fatter.

• 21:59Caleb Hammer?

  I would go off-brand.

• 22:01Speaker 05

  Behind the Audit.

• 22:03Speaker 03

  What?

• 22:03Caleb Hammer?

  This was wild.

• 22:05Speaker 05

  Hammer versus internet.

• 22:09Speaker 05

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

• 22:33Caleb Hammer?

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

• 22:37Speaker 05

  It's okay. It's worth it.

• 22:39Caleb Hammer?

  Yeah, it is.

• 22:41Speaker 05

  Join Hammer Elite, the best membership on YouTube today for free.

• 22:47Caleb Hammer?

  I mean, they have the note that I guess his loans and debt gets pushed to the side a lot because of you, because of your priorities. And this is what you guys self-admitted when having a phone call with the producers. You guys just endlessly fight on what bills to pay with your paychecks before they go to zero, obviously. And it's just, he's just fed up. He's just fed up. No, he doesn't want to be here. This would be hard to confront. That probably would have been eye-opening to you, my guy, but I can, I can understand. So what the [bleep]? You guys just pick and back and forth. You have no care in the world. No care in the world. You just prioritize your own [bleep] spending.

• 23:29Caleb Hammer?

  Going out to eat was a thousand dollars. So what the [bleep] are you talking about? Missing his bull [bleep] five hundred eight dollars. Large purchases, five hundred fifty-six. Groceries is three hundred. Going out to eat was a thousand. So come on, you're prioritizing that. What you want, all your [bleep], your makeup, your tanning, your food, your fun over his bills or the debt he has that he wants to take care of on behalf of the relationship. So that once you guys enter marriage in October and we are essentially in a way, whether you're spiritual or legal, whatever you want to think about it combined, that you guys can have a good life together. And I have to have one of the leading causes for divorce in this country,

• 24:12Caleb Hammer?

  financial problems. But you're like, no, let's test it. Let's push it to the [bleep] limit. Let's see how far we can push financial problems before it breaks.

• 24:22Speaker 03

  We actually did have a small breakup because of finances. This was, we had just moved to Lafayette. It was a couple of months into us living in Lafayette and...

• 24:35Caleb Hammer?

  When? I don't know. I don't know when he moved to Lafayette. How would I [bleep] know when he moved to Lafayette?

• 24:41Speaker 03

  It was... Late March 2024.

• 24:44Caleb Hammer?

  So you guys were already engaged?

• 24:47Speaker 03

  Yeah, and we broke up for like three hours.

• 24:50Caleb Hammer?

  Oh, come on. But the fact that you guys had the discussion, that is not good for the things to come. That is not a good sign for the times to come, because let me tell you, that's in the back of his head. That's in the back of his head. You guys have these conversations? He stacks this up every time you go behind his back. Stack, stack, stack. Hey, future wife, you want to pay off debt? Stack, stack, stack, stack, stack. Makeup, makeup, makeup, makeup. Hey, can we prioritize paying off this debt? Stack, stack, stack. Going out to eat. Fuck you, fuck you, fuck you. It's just gonna, you think he... Have you guys delayed the engagement ever?

• 25:27Speaker 03

  Delayed it?

• 25:28Caleb Hammer?

  The marriage?

• 25:29Speaker 03

  Oh, no.

• 25:30Caleb Hammer?

  Getting engaged, okay. I'm honestly surprised. Honestly surprised. How do you guys even pay your bills? Because I assume you guys have the max out. Uh, you max out this early pay. How do you guys pay for things in between then? Because there's no way. Unless you have every early pay that's ever been invented, but even then you're only paying them back and then having to borrow again.

• 25:52Speaker 03

  Well, there are certain ways that we get around like paying off certain advances. We each have a savings account and we will pull the money from the checking into the savings account. So that way it stops from auto drafting. And that way we can pay whatever like bill is most important. So like rent, truck note, whatever, all that.

• 26:16Caleb Hammer?

  That's $800 in savings. We're not gonna be able to do that forever. What are you talking about? You ever borrow money from family or friends or?

• 26:23Speaker 03

  Yes, yeah.

• 26:24Caleb Hammer?

  Oh, fuck. It's like, what? How much? How often?

• 26:27Speaker 03

  Not much and not often. Uh, I borrow-

• 26:30Caleb Hammer?

  Which is by the way, why I have the note that you guys borrow from your mom once every paycheck. Fuck you liar. You're not gonna manipulate me in this conversation as well. Yeah, I asked that question as a lead on because I knew the answer. Because they typed that answer to me. It's an interesting thing to bring up next. You manipulate him. You're not gonna manipulate me. I've been in too many of these conversations. Okay, you borrow from your mother every fucking paycheck. She spoiled you your entire life. And now you come on here, you try to pretend like, oh no, we're just struggling. Can't make ends meet. How often you borrow? Oh, not that often. Every paycheck.

• 27:13Caleb Hammer?

  The fuck are you doing? Why mess with me like that? You had the pre-interview questions with the producers. They know you. I don't. I go and blind with the audience. But they feed me things here. Here and there. You lied. Why lie to me?

• 27:31Speaker 03

  I thought we were just talking about friends. If we're talking, if we're talking, okay, yes, if we're talking about friends and family, yes, I do borrow from my mom once every paycheck.

• 27:41Caleb Hammer?

  That's insane. How much?

• 27:44Speaker 03

  Usually just like 50. And I pay her back the next paycheck.

• 27:47Caleb Hammer?

  You're fucking paid fancy from your mother. You realize how insane that is?

• 27:53Speaker 03

  No. I'm gonna be honest, no, I don't know how insane that is. I mean,

• 27:57Caleb Hammer?

  What?

• 27:57Speaker 03

  She's my mom. She's my mom. She's supposed to help me out in times of need, isn't she?

• 28:01Caleb Hammer?

  Oh, she's enabling the fuck out of you. Oh, mother, if you're seeing this, oh, cut this woman off. Cut this fucking woman off. Banks, if you're seeing this, cut this woman off. Except you probably make a lot of money off of her, so I understand why you're not. But mom, at least cut her off. Oh, you've just been spoiled your entire life. You don't even understand how this could be considered bad. You're borrow- In the friends?

• 28:26Speaker 03

  The friends doesn't happen as often as the mom. It's maybe like once a month.

• 28:32Caleb Hammer?

  What?

• 28:36Caleb Hammer?

  That's what you consider not month because, oh, because mom's twice a month in friends. I mean, once a month is not that much. What the fuck are you talking about, lady? What are you on? What the fuck are you on? What damage do you have? Oh. Dude, what the fuck are you talking about? What the fuck are you talking about? That makes no sense. That doesn't make sense. That doesn't make sense. What are you borrowing from your friends for?

• 29:00Speaker 03

  I'm borrowing from my friends for the same reason I borrow from my mom.

• 29:02Caleb Hammer?

  Why? What's the reason? I don't know the reason. You haven't told me the fucking reason.

• 29:06Speaker 03

  It's usually- Because we're out of advances to take out and we're out of money and we need to buy like cat food. We have two cats.

• 29:16Caleb Hammer?

  Oh, fuck off then. Don't get your fucking cake done makeup.

• 29:20Speaker 03

  I told you.

• 29:21Caleb Hammer?

  Cats come first. Cats come first. Come.

• 29:25Speaker 03

  I told you earlier, I need makeup to go out in public.

• 29:30Caleb Hammer?

  No, you don't. You do because you're fucking insecure. You don't need that.

• 29:37Speaker 03

  I mean, I grew up in a household where my mom told me that it was, it was needed.

• 29:42Caleb Hammer?

  Well, your mom's a [BLEEP] and also she funds your entire life. Don't listen to her. What? She's spoiled you into your entire life. Why are you listening to your mother on this [BLEEP] makeup thing? You're not a kid anymore. I understand it if you're 13. She's like, put on your makeup or going to church. Hee hee hee. Gotta put on your makeup so the [BLEEP] boys will hit on you at school. Hee hee hee. I don't understand. You're 24. You can make your own choices.

• 30:11Speaker 03

  Okay, yeah, but.

• 30:12Caleb Hammer?

  embedded in you. I get that, but.

• 30:14Speaker 03

  But it's still just like, I mean, you still want to listen to your parents, even if you're an adult.

• 30:19Caleb Hammer?

  Your mother would shame you right now if you didn't put on a [BLEEP] 20 pounds before you leave the house?

• 30:24Speaker 03

  Absolutely, she would. Absolutely, she would. If she like.

• 30:29Caleb Hammer?

  So she looks like an insane Northeast Italian mom?

• 30:33Speaker 03

  No. She's, uh, she's a little, a little paler than I am and she, no, she doesn't wear as much makeup as I do. But like, I, I mean, I grew up with like 2016 YouTube where like.

• 30:45Caleb Hammer?

  You also grew up with real eyebrows.

• 30:46Speaker 03

  I did. Very true.

• 30:49Caleb Hammer?

  Those didn't last long. Okay, go on YouTube. Yeah, James Charles.

• 30:52Speaker 03

  Yeah, James Charles, Jeffrey Star, all of that. I, I grew up with 2016 YouTube, so that's why I do my makeup the way I do it.

• 30:58Caleb Hammer?

  You know, they moved on.

• 30:59Speaker 03

  That doesn't mean I have to.

• 31:01Caleb Hammer?

  I mean, I just, I don't know what to do with you. I, I, I just, I don't know what to do. What the [BLEEP] does your mom even do for a living?

• 31:08Speaker 03

  My mom does hair for the movie industry.

• 31:12Caleb Hammer?

  How much does that pay? You're in Lafayette, right? Are they in Lafayette?

• 31:15Speaker 03

  No, they're in Lake Charles, but she goes to New Orleans. Like she has an apartment in New Orleans that she'll stay at during the week.

• 31:20Caleb Hammer?

  Movie city?

• 31:21Speaker 03

  Yeah, New Orleans is a huge movie city.

• 31:24Caleb Hammer?

  Fact check? Okay, true.

• 31:25Speaker 03

  But yeah, she makes about a hundred K a year.

• 31:28Caleb Hammer?

  How much do they make?

• 31:30Speaker 03

  Uh, my mom makes a hundred K a year. My dad, probably about seventy-five. My dad works at-

• 31:35Caleb Hammer?

  They do very well, for what it's worth.

• 31:37Speaker 03

  Yeah.

• 31:39Caleb Hammer?

  Oh, it's, it's, it's, it's honestly just bad for you and your entire existence and your future, that they have spoiled you your entire life.

• 31:48Speaker 03

  I don't see it that way.

• 31:49Caleb Hammer?

  How? Look where you are. You, would you suggest to me you're in a decent place?

• 31:53Speaker 03

  I mean, no, I'm not in a decent-

• 31:55Caleb Hammer?

  What the are you talking about? How can you suggest that anything that has led up to your financial situation today can be considered good? You guys are destroying your financial future, spending like you have unlimited money, but you're just going further in the hole. What do you mean? You have a literal eleven hundred dollar monthly car payment.

• 32:12Caleb Hammer?

  Yeah, it's getting a little tight.

• 32:14Caleb Hammer?

  Two hundred and sixty-four dollars in monthly subscriptions! I didn't know we had that many. You guys have to take control of your finances.

• 32:23Caleb Hammer?

  How?

• 32:24Caleb Hammer?

  Just download the Dollar Wise Budgeting app. It shows all of your expenses in one place. It helps you monitor your finances so you're not blowing hundreds of dollars a year on things you don't need. Download the Dollar Wise Budgeting app today and take advantage of your free trial.

• 32:39Speaker 03

  What I'm saying is, is them spoiling me is not necessarily a bad thing. They were just trying to do what their parents couldn't do for them, basically.

• 32:48Caleb Hammer?

  Which doesn't exactly help. Listen, it sucks to absolutely get nothing, be living in poverty. It sucks to overdo it as well. You know no sense of struggle. You have no respect for the dollar. They come and they give you money constantly. They loan you money. Do you always pay it back?

• 33:01Speaker 03

  Not always.

• 33:02Caleb Hammer?

  Exactly. Exactly. That's why it's bad. You don't get that? You do not see that? There's no consequences for your actions and they always bail you out. Why would you feel like you need to actually sacrifice and grind to make-

• 33:19Speaker 00

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

• 33:43Caleb Hammer?

  A better life. Why would you feel like you need to do that? If they will forever bail you out? You have a cushion that will exist no matter what you do. So why sacrifice? Why sacrifice to get out of this mess? When mommy and daddy are there to save us if we need?

• 34:06Speaker 03

  I guess I just want to prove to myself that I can do it by myself.

• 34:10Caleb Hammer?

  Well, you've only gone reverse. So, uh, and I think the future husband, hopefully not, is kind of involved in this as well. So I think he's impacted. It's not all about you. I know everything you've done in life has all been around your selfishness and selfish desires, but it impacts him too. In fact, even if it's just 50 bucks, but that is a hundred bucks every month. If they do that indefinitely, it impacts them too. This isn't just about you. And what about his parents?

• 34:44Speaker 03

  His parents help us out as well.

• 34:46Caleb Hammer?

  Oh, good man. Oh, good absolute do tell.

• 34:51Speaker 03

  His parents actually are the reason why we were able to move to Lafayette. So.

• 34:57Caleb Hammer?

  They covered the moving costs?

• 34:59Speaker 03

  Basically, yeah. And they also covered some of his debt as well. They took out a loan.

• 35:05Caleb Hammer?

  What the? And are they well off?

• 35:09Speaker 03

  Yes, they are.

• 35:10Caleb Hammer?

  You guys are just using your parents. And he's just as bad in that case, it sounds like. He supports you guys borrowing 50 bucks every other week from your mom?

• 35:19Speaker 03

  No.

• 35:20Caleb Hammer?

  Oh.

• 35:21Speaker 03

  Absolutely not.

• 35:21Caleb Hammer?

  Supported borrowing from his parents to move?

• 35:24Speaker 03

  He hates having to ask his mom.

• 35:26Caleb Hammer?

  What the are you doing? But you're okay with it. You pushed for it, don't you?

• 35:29Speaker 03

  Yeah.

• 35:30Caleb Hammer?

  Oh, you pushed to borrow from his parents? Oh, they do, they do not like you.

• 35:34Speaker 03

  No, they love me.

• 35:35Caleb Hammer?

  No, they do not like you.

• 35:37Speaker 03

  They love me.

• 35:38Caleb Hammer?

  No way. There's not a chance in this world. Why would they?

• 35:41Speaker 03

  Like I said, great personality.

• 35:43Caleb Hammer?

  Daughter in law coming in.

• 35:45Speaker 03

  Great personality.

• 35:47Caleb Hammer?

  Where is this great personality? I haven't witnessed it yet.

• 35:50Speaker 03

  I could put it on for you if you want.

• 35:52Caleb Hammer?

  I don't know. All you're doing is sitting over there sniffing.

• 35:57Caleb Hammer?

  I mean, look what you're doing to her boy, their boy, their son. Then you go to them, you push for him to ask for money? Oh, gosh. How much did they give you for the move?

• 36:10Speaker 03

  I believe it was either five or 6,000.

• 36:13Caleb Hammer?

  What the [__], why'd you need to? In what [__] world did you need that much money?

• 36:18Speaker 03

  So, the 1,000 of it was, or like, one, yeah, 1,000 of it was for the apartment, and then the rest of it was to pay off his cash net loan.

• 36:27Caleb Hammer?

  Oh, what the [__], why? Why'd they pay off the loan? Why'd you need that to move? Need that to move?

• 36:35Speaker 03

  Uh, it was a very, I mean, it's a high-interest loan. Cash Net has a company sucks. They have the worst frickin' interest rates, but, um, he asked for it. I mean, he was like, hey, I just need a little assistance getting out of this.

• 36:49Caleb Hammer?

  Good.

• 36:50Speaker 03

  Situation.

• 36:50Caleb Hammer?

  Oh, how are you guys gonna sustain on your own? If you guys don't get a massive inheritance, and even if you do, you're just gonna blow it all. By the looks of it, her too. So, I don't know.

• 37:03Caleb Hammer?

  Dude, I don't even know. What an opening to a conversation. What a first impression. I have a [__] first impression. Listen, I'll at least send you to a therapist with Sondermine. And I'll get you a FIS card, credit card, a debit card that builds credit. So, take advantage of those, of course, career certification as well. But I want to know what you think your financial score is, 0 to 10. 0 being the worst, 10 being the best. What do you think the household is, you and him combined? Not your parents' household finances.

• 37:37Speaker 03

  Definitely a zero.

• 37:40Caleb Hammer?

  And you're okay with that?

• 37:41Speaker 03

  No, not okay with that.

• 37:43Caleb Hammer?

  Yeah, you do nothing to change it, great. If you want your financial score, if you want an assessment to see where you stand in the world of finances, go to CalebHammer.com, click that link in the description below, and go to CalebHammer.com/apply if you want to be on this show. And don't forget, if you don't want to be like a guest on the show and you want our budget-friendly cookbook, it can't be purchased anywhere else. I'll sign it and mail it directly to you. If you sign up for our budgeting app, take that free trial and then sign up for the annual version. But either way, take that free trial, take control of your finances with Dollar Wise. Make sure you download it today. Okay, what the [__] am I looking at? I have something closed. Uh, it's an auto.

• 38:16Caleb Hammer?

  Closed? It's a repo? Oh, it feels like I haven't had a repo in forever. What are you getting repo for?

• 38:24Speaker 03

  So that's a fun story.

• 38:27Caleb Hammer?

  Oh, basically. I don't even want to let her say it.

• 38:31Speaker 03

  I used to have a 2015 Buick Verano. It was a gift from my family because my great grandfather had passed away. And, well, I was seventeen at the time.

• 38:41Caleb Hammer?

  And I'm sorry, but also what you've just been given everything forever. No wonder you have no respect for the dollar. Continue. So far, story not that thrilling.

• 38:49Speaker 03

  I was seventeen when I got the car. When I was, uh, was that twenty? Yeah, I was twenty-two years old.

• 38:58Caleb Hammer?

  Oh, my God, it's just a child.

• 39:00Speaker 03

  I was twenty-two years old and, uh, the catalytic converter in the Buick Verano was going out. And instead of replacing the catalytic converter like I was recommended to, I instead...

• 39:16Caleb Hammer?

  Now, why listen to people that know more than you?

• 39:19Speaker 03

  I instead called my fiance and badgered him for forty minutes to... Yeah, forty minutes. And I convinced him to let me get a Ford Bronco Sport Heritage Edition.

• 39:33Caleb Hammer?

  Yeah?

• 39:35Speaker 03

  Twenty twenty-three.

• 39:36Caleb Hammer?

  In twenty twenty-three, you got a brand-new fucking Ford Bronco?

• 39:40Speaker 03

  Yeah, it was...

• 39:41Caleb Hammer?

  Oh, what a dumb, what a fucking... Oh, you fucking... Oh, oh, this guy, this guy is such a pushover. What a... Oh, he needs to be able to stand up on something. Oh, oh, what a... Oh, this guy. Oh, this guy. Oh, where is he? Oh, he knows I would just be ripping him three *holes* right now if he was here. No wonder. My goodness, where the *are his balls? And what is wrong... Huh?

• 40:11Speaker 03

  I just don't like you talking *about my fiance.

• 40:13Caleb Hammer?

  He's a...

• 40:14Speaker 03

  He's not.

• 40:16Caleb Hammer?

  He let you... You have no money. You guys are dying in debt. You guys broke up over finances, while engaged, and he let you get a brand-new Heritage Edition Ford Bronco because you cried for forty minutes like a manipulative... So, he's a...

• 40:34Caleb Hammer?

  What the f**k are you talking about? Come on! Why would you even manipulate him into this? Obviously, it did not work out.

• 40:42Speaker 03

  No, it didn't. Uh, I had the car, I got the car in January of 2023.

• 40:47Caleb Hammer?

  And you qualified for this debt?

• 40:49Speaker 03

  No, sorry, 2024.

• 40:50Caleb Hammer?

  And you qualified for this debt?

• 40:51Speaker 03

  No, he co-signed.

• 40:53Caleb Hammer?

  Oh, did he want to?

• 40:54Speaker 03

  No.

• 40:58Caleb Hammer?

  Oh, you are making, oh, you are harming my existence!

• 41:02Speaker 03

  Yeah, I definitely convinced him to co-sign with me.

• 41:05Caleb Hammer?

  Oh my goodness.

• 41:08Caleb Hammer?

  This is an awakening.

• 41:09Speaker 03

  Yeah. And, yeah, I had the car, January 2024, and then...

• 41:14Caleb Hammer?

  Wait, wait, wait, they're typing something to me.

• 41:17Speaker 03

  Oh.

• 41:18Caleb Hammer?

  They said "for you," not "with you." They're twisting something.

• 41:23Speaker 03

  He didn't sign "for" me, he co-signed with me.

• 41:25Caleb Hammer?

  He was your co-signer, though. He did this so he could get the car, he wasn't co-signing with you, he co-signed "for" you.

• 41:33Speaker 03

  Oh. Sorry, I don't know the technical terms about it.

• 41:37Caleb Hammer?

  Guy. Run. Run. What happened to the car?

• 41:44Speaker 03

  I had a retail job at the time, I was making $10 an hour. And the...

• 41:53Speaker 03

  And the car note was $816.

• 41:57Caleb Hammer?

  Oh, what was the balance?

• 42:00Speaker 03

  Uh, 38.

• 42:02Caleb Hammer?

  Oh, f**k! Say, what was the f**k interest rate?

• 42:07Speaker 03

  That I don't know, I didn't pay attention to it.

• 42:09Caleb Hammer?

  Oh, I'm guessing it was substantial. Who the f**k let you get a loan? $10 an hour, $40,000, $800 a month? But what are you making a month?

• 42:21Speaker 03

  Uh, I was making...

• 42:22Caleb Hammer?

  A 1500?

• 42:24Speaker 03

  Yeah, I was making, yeah, yeah, just about.

• 42:31Speaker 03

  It was a great car, though. It helped us move to Latvia.

• 42:34Caleb Hammer?

  And it got taken from you because you were dumb.

• 42:37Speaker 03

  Well, I surrendered it. I said it was a repossession. I surrendered it. It technically, it comes up as a repossession, doesn't it?

• 42:44Caleb Hammer?

  Yeah, well, just because it's voluntary doesn't mean it wasn't repossession, you little... They fucking lost my... You deserve that credit hit, and now it's on his.

• 42:54Speaker 03

  Yeah.

• 42:55Caleb Hammer?

  Oh.

• 42:58Caleb Hammer?

  Look at what your finances, your decisions, your actions do to someone else.

• 43:05Caleb Hammer?

  It's unacceptable.

• 43:09Caleb Hammer?

  You have him in so many disgusting ways that are unacceptable as someone that called themselves a partner.

• 43:19Speaker 03

  Okay, but I'm not the only one with debt in this relationship here.

• 43:22Caleb Hammer?

  It's not about debt. It's how you did it. You made $10 an hour, made him co-sign on a car payment you could never afford. How long did you hold it?

• 43:29Speaker 03

  Till April, so four months.

• 43:31Caleb Hammer?

  Would you take it... Oh!

• 43:36Caleb Hammer?

  Man, oh, I feel my veins tightening.

• 43:39Speaker 03

  But that was why, that was, that was why we ended up breaking up for like those three hours because... Said one of the...

• 43:45Caleb Hammer?

  Because he was fucking engaged to a...

• 43:49Speaker 03

  But yeah, one of the reasons he said he would get back together is if I gave up the Bronco. We were going to try and like trade it in for a cheaper vehicle.

• 43:57Caleb Hammer?

  Trade it in? Oh, your equity position must have been...

• 44:01Speaker 03

  Oh, it was bad, yeah.

• 44:02Caleb Hammer?

  Trade it in?

• 44:02Speaker 03

  Yeah.

• 44:03Caleb Hammer?

  What trade-in were you gonna do? Trade it in?

• 44:06Speaker 03

  It was a Kia Forte, $25,000. I think it was a 2024, too.

• 44:14Caleb Hammer?

  Oh.

• 44:15Speaker 03

  But yeah, I know that the dealer said we couldn't, and so I ended up...

• 44:19Caleb Hammer?

  Oh, that's weird.

• 44:20Speaker 03

  Ended up surrendering the vehicle instead. Now we share a vehicle.

• 44:24Caleb Hammer?

  I'm gonna fucking surrender my life after this conversation. Me.

• 44:31Caleb Hammer?

  You know what's harder than trying to cancel a gym membership? Figuring out if your insurance actually covers anything. I swear, insurance companies must take a class on how to make this stuff as confusing as possible. But if you're looking into GLP-1 medications like Ozempic or Rigovi, Ro, today's sponsor, cuts through all that noise with their free insurance checker. You just upload your insurance card and Ro handles the nightmare. No calls, no paperwork. Instead, you get a clear report showing exactly what your insurance covers. Over 500,000 people have already used it, which should tell you something. Go to ro.co/Kaleb to check your insurance for free. That is R-O dot C-O slash Caleb. And of course, go to ro.co/safety, R-O dot C-O slash safety,

• 45:14Caleb Hammer?

  for a black box warning and full safety information about GLP-1 medications. Let's get back to the episode. Why is he staying with you? I'm so confused. I'm genuinely confused. Let me see another angle of this man. Something's wrong. Something's wrong.

• 45:28Speaker 03

  You can-

• 45:29Caleb Hammer?

  Listen, I'm saying this is a solid five out of 10 here.

• 45:31Speaker 03

  You can scroll through. We have engagement photos.

• 45:34Caleb Hammer?

  I mean, he looks a little bit like a Russian missionary, so.

• 45:45Speaker 00

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

• 46:09Caleb Hammer?

  I'm not sure what he's trying to fucking conquer and compensate out of this one. Whatever he's had.

• 46:18Caleb Hammer?

  Vladimir, you got it. Leave. Abandon. Abandon Afghanistan. The Union's collapsing. Get out.

• 46:28Caleb Hammer?

  Well, at least you're making more money now. Fuck me. Okay, so. You have a payment plan on this, or is it just sitting there?

• 46:36Speaker 03

  It's just sitting there.

• 46:37Caleb Hammer?

  Oh, good. How nice. Good thing you guys will never get a house ever. Wow, I should probably move the f*** on, huh? So is this your career track then? Are we gonna move up in here? What degree do you have? Did you go to college?

• 46:49Speaker 03

  Uh, I did, but I dropped out. I was going for your theater.

• 46:53Caleb Hammer?

  Uh huh. Oh. Discover it. What am I even gonna f***ing see in this thing? I don't even know. I'm scared. I'm scared. I'm scared. I'm scared. Oh! No. You absolute f***ing animal. There's not a chance in this damn world. You creature from f***ing Mordor. You have been hatched! You! What are you? Oh, you have been delivered to this earth to make humans suffer! You have had FIA! Late FIA! Every month this year, so f***ing far!

• 47:34Caleb Hammer?

  Oh, I'm burning up. I am burning up. I'm f***ing crashing out. I am crashing out right now. Oh, I haven't seen someone like you in at least a year! At least a f***ing year! And it wasn't. Oh, f***ing, oh my goodness. At least I know I get to count down the f***ing hours until I have to sit across one of these again. What the f***? How we had a late FIA every f***ing month this year on the Discover it card, lady?

• 47:59Speaker 03

  We're trying to focus on paying off the cash advances.

• 48:02Caleb Hammer?

  You have to make your minimum monthly f***ing payments on everything else still? What debt payment strategy are you f***ing doing? Huh? What debt payment strategy are you doing? The Septim version? It's not f***ing getting you there.

• 48:16Speaker 03

  Yeah, I was gonna say, right now, we really don't have a plan. It's just kinda sitting there.

• 48:20Caleb Hammer?

  Then why'd you say you were focusing on paying off the other things? You don't have a plan. What are you talking about? You're not focusing on those. You probably aren't focusing on those then, if you don't have a plan, they're just sitting there. What are you talking about?

• 48:28Speaker 03

  We're focusing on paying the cash advances right now.

• 48:32Caleb Hammer?

  You just said you don't have a plan.

• 48:33Speaker 03

  We're focusing on paying the cash advances right now. Once we get out of the cash-

• 48:36Caleb Hammer?

  What does it have the bounds on here? It doesn't say, lady! Cause you sent me the second page of the statement is the screenshot you sent in. Very, very productive to this conversation. Really appreciate it. Nope, I got it. Never mind. Keep it there. Keep it there. Put your phone away. $4,349. That is insane. That is fucking crazy. That is insane. That is more than your monthly income on just one card. And we have, we have documents to go through. You better believe it. Interest this year so far, 500 bucks. I mean, together, all the fees and everything. Oh, even the interest rate is just 1.99% and you are fucking that up somehow. You are fucking that up somehow. What have you not fucked up in life? Have you ever done something successfully?

• 49:18Speaker 03

  Yeah, multiple things.

• 49:20Caleb Hammer?

  Name two.

• 49:22Speaker 03

  I have done multiple shows in theater and managed to get through all of them without messing up a line.

• 49:28Caleb Hammer?

  Congratulations. You have no career in theater, so I do not consider that a success. Number two.

• 49:33Speaker 03

  I got this job that I have right now.

• 49:35Caleb Hammer?

  How long have you had it?

• 49:36Speaker 03

  A year. And which, oh, yes. So normally, like, used to, I used to job hop a lot. And I managed to keep this job for a full year and I'm really proud of myself.

• 49:48Caleb Hammer?

  Wow, guys. Our basic minimum adult responsibilities, that's what we're, they're, we're fucking. That's how we make it through life, ladies and gentlemen. We pat ourselves on the back. You know why? I know people like you. You know why you're okay and so nonchalant about everything? Look at you. The fact that you're satisfied with that, the fact that you're proud of that, you see that, you latch on to it like it's a grand achievement. And you think you are doing so well because of it and you, nothing else matters. None of that other stuff can take away from it. You think because you have one good thing to latch on to, all of a sudden it negates all the other shit that's attached to you.

• 50:28Caleb Hammer?

  No, it doesn't. You're not a good person. You haven't accomplished much. You're at a job for a year.

• 50:39Speaker 03

  Thank you for the applause. Appreciate it.

• 50:42Caleb Hammer?

  It's the last applause you'll ever get because you're never gonna be in a theater company again.

• 50:50Caleb Hammer?

  I don't even know, it looks like the normal minimum is 113 though. 114.

• 51:01Caleb Hammer?

  What a disaster.

• 51:06Caleb Hammer?

  What's this? Set...

• 51:09Caleb Hammer?

  Second page of this?

• 51:11Speaker 03

  Mm-mm. That's... Discover transactions.

• 51:14Caleb Hammer?

  Discover what? Checking account?

• 51:17Speaker 03

  No, his, he has a, he has a Discover card as well.

• 51:20Caleb Hammer?

  What's his balance?

• 51:23Speaker 03

  Was that...

• 51:26Caleb Hammer?

  Oh, oh, oh, he's, he's just as bad. He's just as bad. He might not be as selfish, but he's just as bad. Fee, fee, fee! Just return a check payment fee.

• 51:42Caleb Hammer?

  Why? Why are you guys doing this? Why are you guys doing this? What is his balance, lady?

• 51:49Speaker 03

  I think it's like 20,000.

• 51:51Caleb Hammer?

  Oh, what?

• 51:52Speaker 03

  Yeah.

• 51:53Caleb Hammer?

  20,000 on his Discover credit card?

• 51:56Speaker 03

  I think so.

• 51:56Caleb Hammer?

  Oh, what is his job?

• 52:00Speaker 03

  He works as a fire alarm technician.

• 52:03Caleb Hammer?

  What does that pay?

• 52:05Speaker 03

  So, he actually did a couple trainings and he gets like dollar increases every time he does training, so he's making 19 now.

• 52:16Caleb Hammer?

  A 20,000 dollar credit card balance making 19 dollars an hour. What the world do we live in? It is time to end it all. Rand, if you're listening? Send him in. I'm ready. I'm ready. We need to leave. It's time to leave this earth. Send them in. Austin, Texas is the seat of government and power of Texas. If you want to destroy the second most populated state, we're ready. Come on in.

• 52:42Speaker 03

  I think that's a little dramatic.

• 52:44Caleb Hammer?

  I do, I don't know. I don't know how we survive as a society with people like you. I don't know. Look at this. And people like him too. 20,000 hours and credit card debt on one credit card with return fees when his minimum hits? Return fees? $18 an hour? What's his minimum?

• 53:04Speaker 03

  That I don't know.

• 53:05Caleb Hammer?

  It's 41. It's 41.

• 53:06Speaker 03

  Okay.

• 53:07Caleb Hammer?

  That's what he tries to sometimes pay. And then it gets returned. Because you don't have enough money in your checking account.

• 53:14Speaker 03

  Yeah, because everything is auto drafted.

• 53:16Caleb Hammer?

  50 pounds of makeup a month. $20,000? Is

• 53:24Caleb Hammer?

  crazy. It is the most insane

• 53:28Caleb Hammer?

  I've ever seen.

• 53:36Caleb Hammer?

  I don't know, man.

• 53:41Caleb Hammer?

  Good. Good. What are we doing? What is this? What is society? How have we survived? What the are we doing? Why do you possibly? Why do we possibly have 573.57% interest rate debt? 573% interest rate debt? What the is happening?

• 54:13Speaker 03

  That's one of our cash advances.

• 54:15Caleb Hammer?

  It's not a cash advance. No, this is a payday loan. This is not a cash advance.

• 54:18Speaker 03

  Or payday loan.

• 54:19Caleb Hammer?

  No, there's a huge difference. There's a huge difference. A cash advance is that you get your little paycheck early and then you have to pay it off.

• 54:27Caleb Hammer?

  And I said sometimes those can be a tool, sometimes abused. A lot of people get in a situation. There is no tool at a 573% interest rate. There is no tool. That's not a tool. That's a nuke. What are you talking about? You're taking on payday loans and you think they're pay advances?

• 54:42Speaker 03

  I don't know the difference. I don't know a lot about finances.

• 54:48Speaker 03

  I'm trying to learn.

• 54:51Speaker 03

  I'm trying, I'm trying.

• 54:52Caleb Hammer?

  Google can exist and it would tell you this is bad. We'll send you through our educational programs and they're good. Instead of having to search for everything, we give you all what you need. We have four courses, five courses now, and you can sign up for Dollar Wise Central and get access to all them for a much lower cost than purchasing them individually. Go to DollarWise.com, but what are you talking about? What are you talking about? You could have literally have looked up, are payday loans bad? Is a 500 something percent interest rate good? You could have looked that up, lady.

• 55:28Speaker 03

  I mean, they made it seem like it would just like, you know, it comes out auto drafted.

• 55:34Caleb Hammer?

  Selling you on something? The company that wants you to have their product?

• 55:37Speaker 03

  And we did, we did need that advance. We were going on a trip.

• 55:44Caleb Hammer?

  Oh, I don't, I don't know how to make it to this.

• 55:48Speaker 03

  Yeah.

• 55:48Caleb Hammer?

  What the are you talking about? I'm sweating so much right now.

• 55:50Speaker 03

  We were going on a trip to Galveston.

• 55:52Caleb Hammer?

  To Galveston? It was the Galveston. To Galveston?

• 56:02Caleb Hammer?

  Cabo or something? Oh, the Galveston. We went to fucking Mudwater?

• 56:09Speaker 03

  Well, we went to Schlitterbahn.

• 56:12Caleb Hammer?

  An outdoor water park? A payday loan to go to a water park?

• 56:22Caleb Hammer?

  Why am I doing this show anymore? Why am I here? What am I doing with my life? I have enough to retire. Well, more than enough to retire. Why am I still having a conversation like this? Me and my girlfriend, we just go, we go live the life we want to live. And yet I somehow

• 56:44Caleb Hammer?

  decided

• 56:47Caleb Hammer?

  that I would sit in this chair today in front of you, the second septum piercing in a row? And you're taking up payday loans to Galveston and you don't even understand why that's even slightly a bad thing? And then you abuse your boyfriend? What the are we doing? And your parents, what are we doing? And his parents, what are we doing?

• 57:06Caleb Hammer?

  Why am I doing this? Why am I doing this? Why am I talking to you? Why am I f-ing spending my time right now talking to you?

• 57:15Speaker 03

  I mean, I need help.

• 57:18Speaker 03

  I'm, I'm here to get help.

• 57:23Caleb Hammer?

  Shut the f up.

• 57:28Caleb Hammer?

  Okay, okay, let me give you some help. 500% interest is not good.

• 57:33Speaker 03

  Now I know.

• 57:34Caleb Hammer?

  Yeah, now you know, that's the thing. Again, listen, I'm willing to help someone. You're an abuser of your fiance. You're a manipulator. You're a disgusting creature on how you treat people around you. Not gonna sugarcoat it. I don't care if it look like it. It would be inappropriate for me to say otherwise and just coddle you and make you think, oh, it's okay, princess. That. Why would I help you? I'm willing to help 98% of the people that come on the show. Why would I help you?

• 58:04Speaker 03

  If not help me, you could help my fiance.

• 58:06Caleb Hammer?

  Yes, run.

• 58:10Caleb Hammer?

  It's more help than I could ever provide. I don't know why I'm, why I... Why should I stay seated here? Honestly, why? Why not? I could go out there and I could just enjoy my time. I could just enjoy my time. I could send Brandon, Brandon home and highly encourage him to do a Twitch stream tonight. And then I could just jump on and play video games with him. That would be more fun. Substantially more fun. Why the f am I sitting here? Sorry, guys, I'm crashing out a little. Okay. I'd be willing to help you if you weren't a disgusting person. You're a disgusting person. I'm so sorry. I'm so sorry that I have to say that. People aren't probably willing to tell you the truth.

• 58:50Caleb Hammer?

  You use and abuse everyone around you. I'm willing to help everyone. Everyone that comes on the show, I'm willing to help. I've actually paid off people's debt behind the scenes. There's a few people that I have helped. When they've showed progress. I am willing to help. Why the would I help you? What have you done to deserve help?

• 59:10Caleb Hammer?

  You just want another enabler is what you want? You just want another enabler in your life?

• 59:14Speaker 03

  That's not true. I don't want-

• 59:15Caleb Hammer?

  You've been enabled and spoiled by your parents and his parents and him.

• 59:18Speaker 03

  Okay, no, not, no, that's not where I'm going with this. No, I am here to get help. I am here, I recognize that I'm in, I'm being enabled. I recognize that I am spoiled. I recognize all of this. I am here to get help. I don't want to do this anymore. I don't want to put him in that position anymore. I'm done. Like, I'm literally done putting him in that position.

• 59:44Caleb Hammer?

  No, you would have done something. That's bull. You lied to me at the beginning about how you borrow from people. And right there was another lie. You might want to see that. You might want to say that because it looks good. You don't like that someone is judging you right now. It feels good to say that. That is a good defense statement. And some people might empathize. Those people are morons.

• 1:00:09Caleb Hammer?

  You're lying to me. You're lying to yourself. No, you don't. If you had an actual desire to do that, you would have done at least one singular thing before this conversation right here to actually try to improve that between you and him. You've done nothing up until this conversation, done nothing. Then you sat here and now you want to try to say that you really want to change that? If you did, you would have at least put in an attempt. You haven't done one attempt.

• 1:00:39Speaker 03

  That's not true.

• 1:00:40Caleb Hammer?

  Off, that's not true.

• 1:00:53Caleb Hammer?

  Okay, so payday loan. It's literally, literally $250. That's what you financed was $250.

• 1:01:08Caleb Hammer?

  So we could go to Galveston.

• 1:01:11Caleb Hammer?

  What the, so $250. Payment is...

• 1:01:17Caleb Hammer?

  What's your monthly payment?

• 1:01:19Speaker 03

  It's usually a one-time payment of $305.

• 1:01:22Caleb Hammer?

  Have you paid it?

• 1:01:23Speaker 03

  No.

• 1:01:26Speaker 01

  Born from the intensity of a night in the Eternal City. Introducing Born in Roma Fragrances by Valentino. Feminine perfume Donna Born in Roma features juicy black currant, central jasmine, soft cashmerin, and warm vanilla.

• 1:01:43Speaker 01

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• 1:01:54Speaker 03

  Not that one yet. Not yet.

• 1:02:00Caleb Hammer?

  I'm getting chills of disgust.

• 1:02:05Caleb Hammer?

  All right, financial audit community, we're gonna come together right now and we're gonna do a little bit of self-reflection and confessing on my behalf. The last couple of years, I've been launching educational programs each quarter or so. And then we also launched our budgeting app. And tens of thousands of people have taken these programs and more than tens of thousands of people have downloaded the budgeting app. The fact is, as someone who wanted to go to college to educate people, I love working with professionals in making these programs that actually change people's lives. But the confession and realization is the more and more we make and the more and more I want to make to educate people on certain topics, the more expensive it's all getting. So I sat down with my team a few months ago and we started brainstorming a solution on this. We decided to rebrand kind of everything we're working on for the future

• 1:02:49Caleb Hammer?

  and we've brought it all in as Dollar Wise. You got the budgeting app version and then you got the education version. And what we're doing right now is bundling it all together for literally 80% off. That is 8-0% off. And we're calling it Dollar Wise Central. You get all of our educational programs that we've made and the premium version of our budgeting app, all for one singular price. Again, it's literally 80% off at dollarwise.com. Those links are also in the description below. Tens of thousands of people have changed their lives. You can too. And now for a lot cheaper, go to dollarwise.com.

• 1:03:25Caleb Hammer?

  This is insane. This is insane.

• 1:03:30Caleb Hammer?

  Why would you allow this? Why would he stay with this? Okay, did he know you were getting this?

• 1:03:35Speaker 03

  Yes.

• 1:03:35Caleb Hammer?

  And? His thoughts?

• 1:03:37Speaker 03

  His thoughts? I mean, he... It was like a family trip, so we knew we kinda needed the money.

• 1:03:46Caleb Hammer?

  Um, go on. How does that make sense? It's a family trip, so we have to get a 500% interest rate loan? Please? Please connect those dots?

• 1:03:55Speaker 03

  Once again, we didn't have any money from our... From our checks. And we were going on this Galveston trip with his family and... I knew we were gonna need a little bit of money, so I asked him if I could get...

• 1:04:09Caleb Hammer?

  500%? And he said?

• 1:04:12Speaker 03

  He said, "Yeah."

• 1:04:15Caleb Hammer?

  Call him right now.

• 1:04:18Speaker 03

  I don't know if he's gonna...

• 1:04:19Caleb Hammer?

  Call him right the [bleep] now.

• 1:04:22Speaker 03

  Uh, register on a network. You can only make emergency calls.

• 1:04:26Caleb Hammer?

  It's an emergency.

• 1:04:29Speaker 03

  I understand that. Yeah, Wi-Fi. Uh...

• 1:04:32Caleb Hammer?

  Can you call him on Wi-Fi? On that?

• 1:04:35Speaker 03

  Yeah, it like legit is not letting me call him.

• 1:04:39Caleb Hammer?

  Close your phone.

• 1:04:56Caleb Hammer?

  I'm gonna [bleep]. I'm... I... I... [bleep] man. What the [bleep] are we doing here? Why? Why the [bleep]? How? Why are we spending [bleep] me?

• 1:05:13Caleb Hammer?

  This is at a 792% interest, right?

• 1:05:19Caleb Hammer?

  What the possible [bleep]?

• 1:05:24Caleb Hammer?

  How are you doing? What the possible [bleep]?

• 1:05:30Caleb Hammer?

  What are you doing?

• 1:05:34Speaker 03

  That one, I...

• 1:05:36Caleb Hammer?

  You borrowed?

• 1:05:37Speaker 03

  I really don't remember what that one was for, but that one we borrowed.

• 1:05:40Caleb Hammer?

  Whoa, whoa, whoa.

• 1:05:52Caleb Hammer?

  Do you even know? Do you even know what this cost you?

• 1:05:58Caleb Hammer?

  Didn't you borrow 500?

• 1:06:00Speaker 03

  Yes, yeah.

• 1:06:01Caleb Hammer?

  What's your total you're paying back by the end?

• 1:06:04Speaker 03

  I think it was like 15, wasn't it? Or 2, 2,000?

• 1:06:07Caleb Hammer?

  4,000 dollars. 4,000 dollars for 500 dollars.

• 1:06:17Speaker 03

  But that's one-

• 1:06:18Caleb Hammer?

  Are you giving me a butt from that?

• 1:06:20Speaker 03

  No, I was gonna say-

• 1:06:21Caleb Hammer?

  But what did we go to? The roller coaster park this time?

• 1:06:25Speaker 03

  No, I was gonna say that's one of the ones that we were gonna try and pay off like with more than the minimum payment. We weren't gonna do the minimum-

• 1:06:32Caleb Hammer?

  Says the person with negative money in their checking account, fuck you! That's a great plan with no action ability that you're able to do behind it.

• 1:06:42Caleb Hammer?

  What are you talking about? What the fuck are you talking about right now?

• 1:06:52Caleb Hammer?

  Katrina, if you're listening this time, you don't need to target New Orleans. Go straight to Lafayette. Hit that hard. Hit it hard.

• 1:07:07Caleb Hammer?

  What the fuck? All 500 dollars pay? And then your finance charge on top of that is 3,500? What are you? What the fuck even are you? I'm gonna say the balance of this right now is... I don't know. I'm gonna say the balance of this is 1,000. Of course, you're gonna be paying a lot more than that. What are you? This is crazy. This is cra- what did you borrow for?

• 1:07:41Speaker 03

  I, I don't remember to be honest. We just, I think-

• 1:07:44Caleb Hammer?

  You don't even know, man?

• 1:07:46Speaker 03

  Just the situation, probably groceries, to be honest.

• 1:07:50Caleb Hammer?

  What's the minimum payment? About 305 dollars.

• 1:07:58Caleb Hammer?

  Paid bi-weekly.

• 1:08:01Caleb Hammer?

  Split in half.

• 1:08:03Caleb Hammer?

  This is from earlier this year. We're not officially halfway through the year yet and you don't know where this is from? This literally life destroying loan? You don't know where it's from? Earlier this year, a few months ago?

• 1:08:20Caleb Hammer?

  I remember taking it out, I just don't remember what it was for.

• 1:08:32Caleb Hammer?

  They started garnishing your wages from this loan?

• 1:08:35Caleb Hammer?

  Yes.

• 1:08:36Caleb Hammer?

  You gave them access to your account?

• 1:08:38Caleb Hammer?

  Yeah.

• 1:08:39Caleb Hammer?

  This isn't, you gave them access to your account? This isn't a government, they can't just garnish unless you give access?

• 1:08:55Caleb Hammer?

  I'm sweating so much, I'm sweating so much and this is so This is so, you don't understand, you don't understand, listen, you're At this point, listen. Actually, do I have empathy? For you and how you do things? Boop boop, bye bye. But this is affecting so many other people. Is it affecting your fiance? Which honestly is probably more involved and honestly enabling this more than I'm giving him credit for. This is insane.

• 1:09:26Caleb Hammer?

  This is insane. Why would you give them access to your Fucking payroll information?

• 1:09:33Caleb Hammer?

  I think, I thought it was required.

• 1:09:36Caleb Hammer?

  For this loan probably, because look at it, they're gonna make four

• 1:09:43Caleb Hammer?

  I'm just saying. A part of me wishes I was morally bankrupt. Look at this, I make good money doing this, don't get me wrong. But look how much more money can be made out there if you just have no morals. They gave you $500 and they make $3,500 a profit? Oh my goodness. What the

• 1:10:05Caleb Hammer?

  What are we doing?

• 1:10:08Caleb Hammer?

  Oh my gosh, why sit here and film with someone who's a disgusting person? When I could just be giving out loans to disgusting people and ruining their lives?

• 1:10:19Caleb Hammer?

  You're breaking records over here, girl.

• 1:10:24Caleb Hammer?

  It continues. Oh my, it continues. Good.

• 1:10:38Caleb Hammer?

  I've lost it. I've lost any will to survive. I've lost any. Ha, just what the?

• 1:10:52Caleb Hammer?

  What am I doing? This is at a 591.87% interest rate. You borrow $1,000 for this one, it goes up every time. You pay back a total of $4,413.

• 1:11:07Caleb Hammer?

  For what?

• 1:11:10Speaker 03

  That one was also, I mean, we were in the negative. We needed money for groceries. So we took out, uh, at first it took out 600. And then at another point, they let me refinance it for the full thousand. So I refinanced and took out the other 300.

• 1:11:29Caleb Hammer?

  This is the refinance?

• 1:11:30Speaker 03

  Yeah.

• 1:11:31Caleb Hammer?

  She refinanced to 597% interest. 91. Refinanced to 591% interest.

• 1:11:43Caleb Hammer?

  I'm gonna say the balance is 1,750. The payments are insane. The payments this month alone are $464, $465. That's your monthly payment.

• 1:12:02Caleb Hammer?

  And why did you take this out? Be real. Come on. Why'd you take this out?

• 1:12:07Speaker 03

  We refinanced it for, uh...

• 1:12:11Caleb Hammer?

  Why'd you take this out? Why'd you take out the original loan?

• 1:12:15Speaker 03

  The original?

• 1:12:19Caleb Hammer?

  Because you didn't have enough PTO and went to go see your friends.

• 1:12:23Speaker 03

  Oh, yes, that is why we took out the original one. Sorry, that's from like, that's the one that was long, long time ago. Yeah.

• 1:12:32Caleb Hammer?

  Long, long time ago to her is last October.

• 1:12:37Speaker 03

  It was, yeah, during Hurricane Francine and I didn't have enough PTO, so I took a train to Illinois. Stayed there for two weeks and then came back, but I needed money for like, you know, groceries while I was staying with my friend.

• 1:13:06Caleb Hammer?

  What is this Lending Club loan for? What is this Lending Club loan for? You owe $243 from Lending Club. The minimum monthly payment of $58. What is this for? Do you know one single thing? Do you know a literal one thing? How have you made it this far in life? Apparently it's his loan.

• 1:13:34Speaker 03

  Oh.

• 1:13:35Caleb Hammer?

  And you didn't even know that. You didn't even know the difference between his loan and your loan. I'm...

• 1:13:41Speaker 03

  It all just blends together at this point.

• 1:13:44Caleb Hammer?

  Oh my gosh. Where did Logan Paul go? He went to a forest that I need to visit for myself real quick.

• 1:13:58Speaker 03

  Lending Club.

• 1:14:04Speaker 03

  Yeah, that one I literally do not know. I don't recognize Lending Club.

• 1:14:09Caleb Hammer?

  Well, he owes $243. I don't know what the interest is because it's a screenshot from his credit report. $58 minimum monthly payment.

• 1:14:23Caleb Hammer?

  Why do I see just a random Cash App screenshot?

• 1:14:26Speaker 03

  That's my Cash App statement, but they give me cash advances as well.

• 1:14:34Speaker 03

  That's like one of the advances.

• 1:14:36Caleb Hammer?

  Which can, if promptly managed, be a tool. But my goodness, just like your credit card, most people, they're [bleep].

• 1:14:45Caleb Hammer?

  Okay, so you owe $150.

• 1:14:48Speaker 03

  I did pay that. But then I took out the $300 that they offered me today.

• 1:15:00Caleb Hammer?

  Ladies.

• 1:15:03Caleb Hammer?

  What the [bleep] are we doing?

• 1:15:13Caleb Hammer?

  I just don't know why, what the [bleep]. Why have you done these things?

• 1:15:20Caleb Hammer?

  You're coming on the show today! You're coming on the [bleep] show today! I need a little bit of gas money. We would've given you gas money. At that point? No, you bought things at Buc-Ee's. Listen, we know your, we know your entire existence. You're a [bleep] liar! A liar, you are a liar! Liar, liar, liar!

• 1:15:49Caleb Hammer?

  Matching Bronco t-shirts for you and your mom. Yeah.

• 1:15:56Caleb Hammer?

  They were super cute, I don't know what else. Shut the [bleep] up!

• 1:16:05Caleb Hammer?

  Six hundred dollar cash app. That she took out the day of filming Financial Auto.

• 1:16:27Caleb Hammer?

  Oh. I need a moment. I need a [bleep] moment.

• 1:16:33Caleb Hammer?

  Oh, [bleep]. I need a moment. Oh, [bleep].

• 1:16:38Speaker 01

  Eventually.

• 1:17:14Speaker 03

  Is that the Midland Credit?

• 1:17:16Caleb Hammer?

  Don't.

• 1:17:17Speaker 03

  Okay.

• 1:17:21Caleb Hammer?

  Lindsay?

• 1:17:22Speaker 01

  Yes, sir.

• 1:17:23Caleb Hammer?

  Can this please be my retirement episode?

• 1:17:26Speaker 01

  No, I don't think we're allowed to do that.

• 1:17:32Caleb Hammer?

  My life right now.

• 1:17:35Caleb Hammer?

  You know, most content that people produce on YouTube is fun.

• 1:17:49Caleb Hammer?

  Why weren't we a gaming channel?

• 1:17:53Caleb Hammer?

  Why weren't we a food channel?

• 1:17:56Caleb Hammer?

  Why weren't we a Graham Stephan Talk at the Camera for Eight Minutes channel? Why'd we have to be Financial Audit?

• 1:18:04Caleb Hammer?

  Why'd we have to be Financial Audit?

• 1:18:21Caleb Hammer?

  I'm sorry. Gosh, I just really fucking hate this. It blows through my bones.

• 1:18:29Caleb Hammer?

  If you weren't such a piece of to him, to other people around you, I would have sympathy. I would feel bad about this, but you're doing all this and dragging him down with you while taking from both sets of parents.

• 1:18:42Caleb Hammer?

  It enrages me.

• 1:18:46Caleb Hammer?

  Midland Credit Management, what is this?

• 1:18:48Speaker 03

  That's my Best Buy card. It got a... They took it. I don't know if that means it's in collections. I don't know. They are a debt collector, so I don't know if that means it's in collections or not.

• 1:19:06Speaker 03

  But it was a Best Buy card.

• 1:19:08Caleb Hammer?

  You're late. They have a minimum monthly payment for you. You're late.

• 1:19:15Caleb Hammer?

  Why? And you want to pay more on the fucking payday loan?

• 1:19:22Caleb Hammer?

  And you're not even paying this on time? What the... What? What? What?

• 1:19:33Speaker 03

  I

• 1:19:36Caleb Hammer?

  Why aren't you paying this?

• 1:19:38Speaker 03

  We're trying to pay off the cash advances. That's all it is. We're trying to like, we're trying to get out of the cash advance cycle before we start tackling like our credit card debt.

• 1:19:47Caleb Hammer?

  Don't use cash advance. You're on payday loans.

• 1:19:50Speaker 03

  Sorry.

• 1:19:51Caleb Hammer?

  You're on payday loans. You're on payday loans.

• 1:20:05Caleb Hammer?

  And what were we spending on the Best Buy card?

• 1:20:08Speaker 03

  I bought a Playstation 5.

• 1:20:12Speaker 03

  Me, uh, really wanted one, so...

• 1:20:15Caleb Hammer?

  Nothing like collections for PS5s.

• 1:20:18Speaker 03

  Got a Playstation 5.

• 1:20:21Caleb Hammer?

  Do you play it?

• 1:20:22Speaker 03

  Yeah. All the time.

• 1:20:26Caleb Hammer?

  You should read a book.

• 1:20:30Caleb Hammer?

  You have a long way to go.

• 1:20:34Caleb Hammer?

  And you used it to upgrade their PC.

• 1:20:38Speaker 03

  Yes, yeah, we did.

• 1:20:44Caleb Hammer?

  Oh, she has Dave. Again, like this, it can be, it can be, there's ways to use it, there really are finessing ways, but my [BLEEP] have you [BLEEP].

• 1:20:54Speaker 03

  This one?

• 1:20:55Caleb Hammer?

  Has this paid off?

• 1:20:56Speaker 03

  No, this one's, no, listen to me. Listen.

• 1:20:59Caleb Hammer?

  What do you owe?

• 1:21:00Speaker 03

  I think it was like 86, but I, no, this one is [BLEEP] because they literally, no, they literally [BLEEP] me over on this one.

• 1:21:07Caleb Hammer?

  Shut the [BLEEP] up. You were not, you [BLEEP] everyone else over, you deserve it.

• 1:21:11Speaker 03

  They [BLEEP] me over on this one because I, my credit card or my debit card information got taken, it got stolen. And so, the old debit card was on the Dave account. Whenever I went to pay it off, like I legit was like, okay, here's your money, Dave, trying to pay it off with my new debit card. It locked me, like it was legit like, no, you can't, you can't change your debit card information.

• 1:21:32Caleb Hammer?

  And they [BLEEP] some fraud thing. Did you call, did you call David?

• 1:21:36Speaker 03

  Yes, I called. I called Dave. They said, oh, the only way you can do it is if you go to Walgreens, do an actual ATM, like [BLEEP] that.

• 1:21:44Caleb Hammer?

  Try to make a stupid voice about someone else while you're sitting at this table.

• 1:21:51Caleb Hammer?

  Good. Good. Taste of your own medicine.

• 1:22:06Caleb Hammer?

  So, we're just not paying? Ken?

• 1:22:09Speaker 03

  Dave? No. Them.

• 1:22:11Caleb Hammer?

  Okay. And we're borrowing from Dave? So we can buy makeup? So that we can do that?

• 1:22:20Caleb Hammer?

  You look like you have Mushu hanging around with you on your back or something. Waiting to pop out.

• 1:22:26Speaker 03

  I do have a dragon, or kind of a dragon tattoo on my thigh, so I guess that works.

• 1:22:31Caleb Hammer?

  How much did that cost?

• 1:22:33Speaker 03

  Was... Five hundred?

• 1:22:40Caleb Hammer?

  Reminder, she took out a $500, basically 900% interest payday loan.

• 1:22:46Speaker 03

  Oh, the best part is, is I put it on my credit card too.

• 1:22:58Caleb Hammer?

  Discover Bank. What the [__] is this? It's closed.

• 1:23:01Speaker 03

  That one?

• 1:23:03Caleb Hammer?

  Another Discover?

• 1:23:04Speaker 03

  No, that's the one that I thought was like the 20,000.

• 1:23:07Caleb Hammer?

  Then what was the other one?

• 1:23:08Speaker 03

  The other one was his transaction history.

• 1:23:10Caleb Hammer?

  On what?

• 1:23:11Speaker 03

  The Discover.

• 1:23:12Caleb Hammer?

  No, this is closed. You have no idea what you're talking about. You don't know anything. You literally have no idea what the [__] you're talking about. You don't know a single thing. Oh! What about Upstart?

• 1:23:24Speaker 03

  Upstart was... He took that out for debt consolidation.

• 1:23:29Caleb Hammer?

  Well, it's closed.

• 1:23:31Speaker 03

  Yes. He, uh, ended up going with a, uh... Debt relief. And so they closed it.

• 1:23:37Caleb Hammer?

  But he sells $1,103.

• 1:23:50Caleb Hammer?

  Oh goodie. Oh good, we have student loans. Oh, Campus FCU, seventeen thousand four hundred ninety-one, what's that?

• 1:24:00Speaker 03

  That's his car. The truck.

• 1:24:02Caleb Hammer?

  That's his car?

• 1:24:03Speaker 03

  Or truck.

• 1:24:03Caleb Hammer?

  A truck?

• 1:24:04Speaker 03

  Yeah, a truck.

• 1:24:04Caleb Hammer?

  A truck for his fu- what's his job?

• 1:24:06Speaker 03

  He's a, uh, fire alarm technician.

• 1:24:10Caleb Hammer?

  Does he need a truck for that?

• 1:24:12Speaker 03

  He has a truck to get to and from work.

• 1:24:16Speaker 03

  I mean, that, we need a vehicle to like get to and from places.

• 1:24:19Caleb Hammer?

  So don't get a fucking expensive truck.

• 1:24:22Speaker 03

  He didn't, no. He got, that, he got that truck on a good deal. He was working at the dealership.

• 1:24:27Caleb Hammer?

  Good deal, it's worth thirteen thousand dollars. He owes seventeen thousand five hundred off. You don't know what you're talking about. Another continuation in the long history of, you don't know what the fuck you're talking about.

• 1:24:38Caleb Hammer?

  Student loans, who's this?

• 1:24:40Speaker 03

  Is it the twenty-seven? Yeah, that's mine.

• 1:24:46Caleb Hammer?

  For our dropout.

• 1:24:49Caleb Hammer?

  I hope he drops out of this marriage.

• 1:24:54Caleb Hammer?

  Checking account.

• 1:25:01Caleb Hammer?

  Going in and getting some BS. Going in some BS. Door dashing Taco Bell. Rejected because we didn't have enough money in our checking account. Rejected because we didn't have enough money in our checking account. Rejected because we didn't have enough money in our checking account. Oh, would you believe this? Rejected because we didn't have enough money in our checking account.

• 1:25:19Caleb Hammer?

  Rejected for not having enough money in our checking account. Rejected for not having enough money in our checking account. Oh! Rejected for not having enough money in our checking account. Rejected for not having enough money in our checking account. Making a payment on the couch app loan and then immediately taking it back. Go. Door dashing Taco Bell. Door dashing Chick-fil-A. Going in and getting some BS. What are you going in and getting in the gas station, lady?

• 1:25:39Speaker 03

  The gas station?

• 1:25:40Caleb Hammer?

  Yes.

• 1:25:42Speaker 03

  I usually, I mean, I usually get like a Red Bull.

• 1:25:44Caleb Hammer?

  Three dollar thing. A Red Bull? Fucking how many Red Bulls? What are you getting?

• 1:25:47Speaker 03

  I usually, I like to do the deal where they do like the buy two, get one free.

• 1:25:53Caleb Hammer?

  How often?

• 1:25:56Speaker 03

  Any, I mean, anytime we have money to do it.

• 1:25:59Caleb Hammer?

  You don't have mu- that's the point.

• 1:26:04Caleb Hammer?

  Amazon. Red Bull. Playstation. Float me fun.

• 1:26:12Caleb Hammer?

  Float me. DoorDash Taco Bell. DoorDash Pass. We're paying for the subscription. That's so good. Netflix, Sushi Miles. Colton Fazens hamburger, Candle Smoke Shop, Ulta DoorDash.

• 1:26:31Caleb Hammer?

  Um. Um.

• 1:26:36Caleb Hammer?

  Acadina, Taff House. ATM withdrawal. Who knows where the fuck that went? Did it go somewhere? Good doubt it. Cecil, The Sage Karaoke Bar. Getting Red Bull. Red Bull Domino's, Ulta McDonald's.

• 1:26:59Caleb Hammer?

  Vending machine. Ghost Arcade. Discord. We're paying for fucking Discord. We're Discord paying. We're paying for Discord. Ah, that's so good. Oh, Red Bull, Red Bull. Red Bull. Red Bull, Red Bull.

• 1:27:23Caleb Hammer?

  ATM withdrawal. Apple Bill. Red Bull, Red Bull, Red Bull. Hulu.

• 1:27:29Caleb Hammer?

  I'm almost through with my obligation. And then I'm fucking done.

• 1:27:34Caleb Hammer?

  Taco Bell. Karaoke. Beer. Vending machine, DoorDash, Raising Canes, ATM withdrawal. Denny's. Borg?

• 1:27:45Caleb Hammer?

  Gosh, okay, sorry.

• 1:27:49Caleb Hammer?

  Vending machine, vending machine, I think. Uh, Red Bull, Red Bull, you're spending so much money, you have no money.

• 1:27:56Caleb Hammer?

  Makes no sense. It makes no fucking sense. Oh, ATM withdrawal. Red Bull Coffee, Red Bull, DoorDash, Taco Bell, Red Bull Panda Express, Mary's Lounge.

• 1:28:12Caleb Hammer?

  What do you do? An Amazon Prime, McDonald's, Red Bull. Red Bull.

• 1:28:19Caleb Hammer?

  Little Caesar's, Domino's, DoorDash, Raising Canes, Apple Bill, Jellix, Candle Smoke Shop.

• 1:28:25Caleb Hammer?

  What are you smoking?

• 1:28:27Speaker 03

  A vape.

• 1:28:27Caleb Hammer?

  Yeah, just, just, I'm not gonna say in Minecraft. It's just...

• 1:28:41Caleb Hammer?

  Red Bull, Red Bull, Salad Station. It's not making up for all the Taco Bells. Taco Bell, Raisin Canes, Ben Moon Out Money, Frozen Sun McDonald's, DoorDash McDonald's, oh, man. Oh, how have we made it? Cleo AI? It's fun. Why do you need it?

• 1:29:01Speaker 03

  No, Cleo's another cash advance.

• 1:29:04Caleb Hammer?

  That's not what I thought it was at all.

• 1:29:06Speaker 03

  No, it's not AI. Cleo's another cash advance.

• 1:29:10Caleb Hammer?

  Texaco, Candy Land, Venmo, Venmo, Apple Bell, Playstation Network, Hulu, Sonic Apple, Walmart Apple.

• 1:29:40Caleb Hammer?

  I, I don't know what to do here.

• 1:29:47Caleb Hammer?

  Why?

• 1:29:49Caleb Hammer?

  Why do you exist?

• 1:29:53Caleb Hammer?

  Are you here to harm me?

• 1:29:57Speaker 03

  I'm not trying to.

• 1:30:01Speaker 03

  I didn't realize, like...

• 1:30:03Caleb Hammer?

  You use, abuse, and then [bleep] take out every loan possible because you don't give a [bleep]. Because husband will bail us out and support us, 'cause his parents will bail us out and support us, 'cause your parents will bail you out and support you, 'cause their friends will bail you out and support you. You get bailed out, enabled, supportive, so why would you give a [bleep]? Destroy our finances, it doesn't matter. They're always here to save us. Why would you ever do anything? It's disgusting, it's selfish, it's nasty. How the [bleep] they continue to support you? I have no idea. You go into MLMs and sell to your friends, they don't even buy it 'cause they don't even trust you anymore.

• 1:30:47Caleb Hammer?

  They don't even respect you anymore.

• 1:30:53Caleb Hammer?

  Good luck.

• 1:30:57Caleb Hammer?

  I'm not continuing this conversation longer than I have to. And I've met my obligation.

• 1:31:06Caleb Hammer?

  I'm gonna call the husband in the post-show. Join us there. Hammer financial score. Off. If you don't want to end up like that, let me tell you. Download the Dollar Wise Budgeting app. Start your free trial. Take the annual version. I'll send you our cookbook signed by me. I'll see you in the post-show if I even can make it there. Tell him how much you're paying on those loans.

• 1:31:29Speaker 01

  He's at work. Your call has been. Yeah.

• 1:31:31Caleb Hammer?

  Wow.

• 1:31:32Speaker 01

  He did not want to be in this hot seat. I don't care what Lexi says.

• 1:31:35Caleb Hammer?

  He said now's not a great time talking to his boss. Can you text me these? I'll send it if you want.

• 1:31:41Caleb Hammer?

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

• 1:31:51Speaker 06

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