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Transcript 17,335 words · 7 speakers
Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.
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1:00 Caleb Hammer? To watch episodes of Financial Audit a week earlier, check us out on YouTube. Dude, I don't want to know how many crusty socks are in this room.
1:07 Speaker 03 I collect anime figures.
1:08 Caleb Hammer? What did you spend on anime figures?
1:10 Speaker 03 I was spending about [bleep] a month, maybe a bit more.
1:14 Caleb Hammer? [bleep].
1:15 Speaker 03 Yeah, everyone else pays.
1:16 Caleb Hammer? Because you keep [bleep] buying goon material.
1:18 Speaker 03 I worked hard for that.
1:19 Caleb Hammer? You lost $3 million. That's insane.
1:26 Speaker 03 Yeah, it's not good.
1:27 Caleb Hammer? Oh my god.
1:28 Speaker 03 Well, most of that was within [bleep] months.
1:30 Caleb Hammer? Ah, what the [bleep]. Download my budgeting app today and take control of your money once and for all. And for a limited time only, sign up for the annual version of Premium and get my cookbook and notebook signed and mailed directly to you. Link in the description and pinned comment below.
1:47 Speaker 03 Hi, my name is Matt. I'm 28 years old and I'm from Everett, Pennsylvania, and this is Financial Audit.
1:55 Caleb Hammer? Nice to meet you, Matt. Thanks for coming down. What do you do up there for a living?
1:59 Speaker 03 Um, I'm a project manager for a countertop company.
2:04 Caleb Hammer? Very cool.
2:05 Speaker 03 Yeah, I do lots of things. Actually, I don't know what my job is. I just work there, employee.
2:10 Caleb Hammer? Well, project manager?
2:12 Speaker 03 Yeah, I guess.
2:13 Caleb Hammer? Is that you not do project management?
2:16 Speaker 03 Well, I have like 60 or 100 jobs at a time and then I
2:22 Caleb Hammer? Okay.
2:22 Speaker 03 look over them and make sure they're going okay. But you know, if there's people like, we don't have fabrication in time, I'll have to spend a Sunday fabricating by myself, which sucks.
2:33 Caleb Hammer? Really? Oh, okay.
2:35 Speaker 03 I'll listen to Caleb Pamer Financial Audit when I'm doing that.
2:38 Caleb Hammer? Well, thank you. And now you're here, you're on it.
2:40 Speaker 03 Although the sound quality is terrible on the boombox, so.
2:42 Caleb Hammer? At what?
2:43 Speaker 03 Yeah.
2:44 Caleb Hammer? Where?
2:44 Speaker 03 When I have it on the loudspeakers, I can't hear you.
2:46 Caleb Hammer? Why?
2:47 Speaker 03 I don't know. The sound quality is terrible.
2:49 Caleb Hammer? Hmm. We'll look into it, I guess. I don't know. Okay, what's your income?
2:56 Speaker 03 Um, $5,000. Well, $5,000 before deductions and tax.
3:04 Caleb Hammer? So what's your current monthly basis?
3:06 Speaker 03 $3,000 or $1,700 bi-weekly.
3:09 Caleb Hammer? Okay.
3:09 Speaker 03 Which would be $3,400. And then, you know, there's an extra month there.
3:15 Caleb Hammer? Yeah.
3:15 Speaker 03 Extra week. And I think it's always January and August, but I'm not too sure.
3:18 Caleb Hammer? Well, we'll budget for that 34.
3:20 Speaker 03 Okay.
3:21 Caleb Hammer? Okay. What do you got there?
3:23 Speaker 03 A book.
3:23 Caleb Hammer? Did you bring a book material for, is it financial?
3:27 Speaker 03 No.
3:27 Caleb Hammer? Notes?
3:27 Speaker 03 No. Well, I do have financial notes, but
3:32 Speaker 03 yeah, that's just a math book.
3:34 Caleb Hammer? Math book?
3:35 Speaker 03 Modern approximation theory, yeah.
3:38 Caleb Hammer? Sure, why not? I'm not good at math, so I respect it. We need people who are. What's going on? What are we talking about? What's happening in your life?
3:48 Speaker 03 Um, I, I'm in, I think like $50,000 of debt right now. I, you know.
3:59 Caleb Hammer? Come on.
3:59 Speaker 03 Things.
4:01 Caleb Hammer? Why?
4:02 Speaker 03 Why? Well.
4:05 Speaker 03 I made bad mistakes.
4:06 Caleb Hammer? Okay, but mathematically, what's been happening?
4:10 Speaker 03 Um, I'm probably spending more than I should, probably could be making more money, you know, stuff like that.
4:18 Caleb Hammer? Okay.
4:21 Caleb Hammer? So with you spending more than you should,
4:24 Speaker 03 Yeah.
4:25 Caleb Hammer? What does that look like? And why is there no self-control if you're recognizing this? When you're able to sit down and read that book, you'd think you'd be able to sit down and make a budget. Why aren't you following it? Well, like, what's happening? Why are you going out and doing all this? Are you even aware of what you're doing? What are you spending your money on? I have so many questions.
4:42 Speaker 03 Okay.
4:43 Caleb Hammer? And the first one is, are you autistic?
4:45 Speaker 03 Yeah, yeah.
4:46 Caleb Hammer? Okay. Second one, what are you spending all your money on?
4:49 Speaker 03 Um, multiple things. I get in certain interests every now and then.
4:54 Caleb Hammer? Uh, like hobbies? You fall down the world of hobbies?
4:57 Speaker 03 Yeah, yeah.
4:58 Caleb Hammer? Okay, yeah, that's dangerous. And that's always very expensive.
5:00 Speaker 03 Yeah, it is, especially if it's like a collecting hobby.
5:03 Caleb Hammer? $50,000 to hobbies?
5:04 Speaker 03 Yeah, yeah, probably.
5:06 Caleb Hammer? Do you have anything to show for it? That you could just sell? Get out of at least a lot of the debt?
5:10 Speaker 03 Yeah, yeah, I think.
5:11 Caleb Hammer? Okay, it is not 50,000. You think your debt's 50,000?
5:15 Speaker 03 Yeah.
5:15 Caleb Hammer? Oh, for fuck's sake, it's $85,322.52.
5:18 Speaker 03 I don't believe that. How's that, how's, where'd that come from?
5:20 Caleb Hammer? Uh, math.
5:22 Speaker 03 Okay, I don't believe it. We'll have to go by each one, I guess.
5:27 Caleb Hammer? Capital One Cook Silver, Capital One Platinum, uh, Genius Bank Loan, One Main Financial Car Loan, PayPal Credit Card, Student Loan Number One, Student Loan Number Two, Student Loan Number Three, Student Loan Number Four, Upstart Loan, and Parents.
5:39 Speaker 03 Okay, I probably overestimated Parents, then? Yeah.
5:43 Caleb Hammer? $85,322.52.
5:47 Speaker 03 Okay, that doesn't math to me. But we can, we can see.
5:51 Caleb Hammer? We can see?
5:52 Speaker 03 Yeah.
5:55 Caleb Hammer? You, I mean, you seem like a guy that gets kind of a little locked into numbers, right?
5:58 Speaker 03 Yeah.
5:59 Caleb Hammer? Why would you not know how much debt you have? Why would you get so much substantially lower than what we have from literally just your documents?
6:07 Speaker 03 That's not the notes I have, but.
6:09 Caleb Hammer? I don't know what notes you have. That looks like a manifesto, so I don't.
6:13 Speaker 03 Yeah. Um, but we'll see.
6:16 Caleb Hammer? No, I, why, why, why do you think it's different? I'm genuinely curious because this has to do with how you're managing your finances.
6:22 Speaker 03 It's $12,000 of one main financial and then it should be like $5,000 at most for Upstart, $5,000 at most for Ginass.
6:29 Caleb Hammer? No.
6:30 Speaker 03 Yeah, so there's where we're having the descriptions. I can't read that, uh, but yeah.
6:35 Caleb Hammer? Some of those, no, some of those numbers are wrong.
6:37 Speaker 03 Okay. Well, maybe because they probably showed the payoff amount, right?
6:43 Caleb Hammer? We'll go through.
6:44 Speaker 03 Okay.
6:44 Caleb Hammer? We'll find out, but I'm very curious. Okay.
6:46 Speaker 03 Me too.
6:46 Caleb Hammer? So why? Okay, yeah, so.
6:49 Speaker 03 Cause that's like 85,000. That's a lot more than what I thought.
6:52 Caleb Hammer? Yeah, that's a scary amount for sure. So what are you spending? What, what hobby are you in right now?
6:59 Speaker 03 Um, I, I.
7:00 Caleb Hammer? Draining.
7:01 Speaker 03 Well, before I, I collect anime figures, which was a significant amount earlier. I've kind of gotten away from that a little bit more.
7:10 Caleb Hammer? Anime figures.
7:11 Speaker 03 Now I'm in between hobbies.
7:13 Caleb Hammer? What do you, what did you spend on anime figures?
7:15 Speaker 03 I was spending about a thousand dollars a month, maybe a bit more. Last year.
7:20 Caleb Hammer? And what can you sell your anime collection for?
7:24 Speaker 03 I estimate like 20,000.
7:26 Caleb Hammer? Okay, but you also estimated your.
7:27 Speaker 03 Yeah, I did estimate that bad, yeah.
7:30 Caleb Hammer? Okay.
7:31 Speaker 03 That's fine.
7:32 Caleb Hammer? Maybe we stop reading theory and we stop, we start reading reality.
7:35 Speaker 03 Okay.
7:36 Caleb Hammer? Math.
7:36 Speaker 03 Good, but yeah.
7:37 Caleb Hammer? Huh?
7:38 Speaker 03 Yeah.
7:38 Caleb Hammer? Okay. Listen.
7:41 Speaker 03 Theory.
7:43 Caleb Hammer? Huh?
7:43 Speaker 03 Theory and reality, yeah.
7:45 Caleb Hammer? Yeah. All right, what do you got going on in your life, dude? So we got this job.
7:50 Speaker 03 Yep.
7:51 Caleb Hammer? It's exciting. How many hours a week are you working?
7:53 Speaker 03 50. If 50 would be.
7:55 Caleb Hammer? 50, you're not making very much for 50.
7:59 Speaker 03 Yeah, would that be like $22 an hour?
8:03 Caleb Hammer? Yeah, but what do you want to do? Cause you seem like you might, you know, be an intelligent person. I think.
8:12 Speaker 03 Maybe.
8:12 Caleb Hammer? Below the skin. Yeah.
8:13 Speaker 03 Yeah. Below the.
8:16 Caleb Hammer? Like present, presenting.
8:21 Caleb Hammer? I think you're probably smart.
8:22 Speaker 03 Okay, okay, thanks.
8:25 Caleb Hammer? So what should you be doing?
8:27 Speaker 03 I
8:27 Caleb Hammer? What do you want to be doing? I feel like you're underutilized.
8:30 Speaker 03 Yeah, I mean, I would definitely like to do something more math base.
8:34 Caleb Hammer? Yeah.
8:35 Speaker 03 Tech base.
8:35 Caleb Hammer? Do you have a degree?
8:36 Speaker 03 Yeah, I have a degree.
8:37 Caleb Hammer? And?
8:37 Speaker 03 Uh, I'd say liberal arts, but it's math.
8:41 Caleb Hammer? But you're, but you're working as project management.
8:43 Speaker 03 Yeah.
8:44 Caleb Hammer? What, what would you want to do? What can we get into?
8:46 Speaker 03 I don't know. What can you get into?
8:51 Caleb Hammer? I was hoping the person that wanted to get into would have a little more insight.
8:54 Speaker 03 Yeah, I mean, I think I probably
8:56 Caleb Hammer? I don't know what the industry is like in Everett, Pennsylvania.
9:00 Speaker 03 Yeah.
9:01 Caleb Hammer? We might have to move to a bigger city.
9:03 Speaker 03 Yeah.
9:07 Caleb Hammer? Oh, I thought I was autistic. I really did. We can combine our tisms together and create a super, super strength.
9:15 Speaker 03 What's the super strength?
9:16 Caleb Hammer? Super tism.
9:17 Speaker 03 Super tism.
9:18 Caleb Hammer? Like a conquer the world level tism.
9:21 Speaker 03 Super
9:22 Caleb Hammer? Like never seen before.
9:23 Speaker 03 Never seen before? Greatest tism of all time.
9:27 Caleb Hammer? We sure could. Why do we have a note that you are oftentimes late on rent, though?
9:31 Speaker 03 Yeah.
9:32 Caleb Hammer? Because you make money. You do make money, even though I think you could probably do better.
9:38 Caleb Hammer? I mean, you spend a lot on anime comes before rent. How much is your rent?
9:42 Speaker 03 Uh, $4.50.
9:43 Caleb Hammer? You can't pay $450 in rent? That's so cheap. That's like nothing rent wise.
9:51 Speaker 03 Yeah, it's pretty cheap in Everett, Pennsylvania.
9:53 Caleb Hammer? Yeah, so why aren't you paying it?
9:55 Speaker 03 Um, I'm, sometimes I'm a month late or a couple of days late.
10:00 Caleb Hammer? Why? That's, that's that's not why.
10:03 Speaker 03 On it, but yeah.
10:04 Caleb Hammer? But that's not why. That's not an answer why. That is what is happening. What's the why?
10:09 Speaker 03 I probably don't, I don't have a budget or why I probably don't.
10:13 Caleb Hammer? But you're such a math guy. Why don't you budget?
10:17 Speaker 03 Well, if I know I'm gonna be able to pay it late until wait till the next payday and then maybe wait till the next payday after that.
10:24 Caleb Hammer? Why do you have to wait?
10:26 Speaker 03 Because I don't have money in my
10:28 Caleb Hammer? Why?
10:28 Speaker 03 Bank account because I'm
10:29 Caleb Hammer? For anime, so anime is more important than rent?
10:31 Speaker 03 Yeah, yeah. I mean, sometimes I overestimate things or I don't see things come up.
10:35 Caleb Hammer? Okay, the budget, I mean, you're a spreadsheet guy, right?
10:39 Speaker 03 Yeah, yeah, maybe I don't use the spreadsheet for budget.
10:43 Caleb Hammer? What do you use?
10:44 Speaker 03 Um, I just write it down in my head. Sometimes I use spreadsheet.
10:48 Caleb Hammer? Write it down in my head?
10:50 Speaker 03 Yeah, write it down and keep it in my head because I'll lose the paper.
10:55 Caleb Hammer? So maybe we should use a computer?
10:57 Speaker 03 Yeah.
10:58 Caleb Hammer? Or notes app?
10:59 Speaker 03 I've tried using, I've tried using Monarch and I've tried using Rocket Money, but.
11:04 Caleb Hammer? Monarch's okay.
11:05 Speaker 03 Yeah.
11:06 Caleb Hammer? Rocket Money's better.
11:07 Speaker 03 Is it?
11:08 Caleb Hammer? Uh, okay, so.
11:12 Caleb Hammer? Well, it just doesn't matter to you. Do you not care?
11:15 Speaker 03 Maybe, maybe that's part of it, lack of motivation, lack of.
11:18 Caleb Hammer? So what would the lack of motivation stem from in your own mind? What do you think?
11:22 Speaker 03 Like, I just, you know, trying to figure out what to do in the future. Sometimes that's.
11:26 Caleb Hammer? What does that mean? What are you trying to figure out? Well, what's the question?
11:29 Speaker 03 Pretty grim, like.
11:30 Caleb Hammer? Grim? Are you dying?
11:32 Speaker 03 No.
11:32 Caleb Hammer? Okay.
11:33 Speaker 03 Well, we're all dying, but.
11:36 Caleb Hammer? What's grim?
11:38 Speaker 03 Like, what should I be doing? What's the purpose? Where, what should I be doing? You know?
11:45 Caleb Hammer? Uh. I don't know. I guess we could all kill ourselves, uh, but.
11:50 Speaker 03 No, not really, like.
11:52 Caleb Hammer? Well, this is, I don't know, we're just living. I mean, you're living. You gotta find purpose in your everyday things. Are you in a relationship?
11:58 Speaker 03 No.
11:58 Caleb Hammer? Do you date?
11:59 Speaker 03 Uh, no, I, I had long distance relationships that were pretty toxic, but yeah.
12:05 Caleb Hammer? Why are they toxic?
12:06 Speaker 03 Because the people were toxic.
12:09 Caleb Hammer? What about it?
12:11 Speaker 03 People were toxic.
12:13 Caleb Hammer? What was toxic, though?
12:14 Speaker 03 Uh, manipulating, uh, freak outs on me, stuff like that. It might be my, my personality against them.
12:23 Caleb Hammer? Do you date women or men?
12:25 Speaker 03 Uh, both, but women.
12:27 Caleb Hammer? I felt the vibe. Oh, really?
12:29 Speaker 03 Yeah.
12:30 Caleb Hammer? Oh, okay, okay. It's, it's June, so I really felt some gay energy coming across the table.
12:35 Speaker 03 That's dinosaur month.
12:36 Caleb Hammer? Huh?
12:36 Speaker 03 It's dinosaur month.
12:38 Caleb Hammer? Dinosaur month?
12:39 Speaker 03 Yeah, June.
12:41 Caleb Hammer? Dinosaur and trains, huh?
12:42 Speaker 03 Yeah.
12:43 Caleb Hammer? Okay.
12:45 Speaker 03 Trains are great.
12:46 Caleb Hammer? I bet they are.
12:52 Caleb Hammer? Um, okay. So, but okay. I'm just trying to find something for you to latch on to so that there is a purpose. Um, career wise, it doesn't seem like you know what you want to do. Okay. Goal wise, have you ever tried to, uh, do you want to get a house? Do you, what are things you're looking forward to? What do you want to do? Maybe you need to live, leave Everett because it's small and you should explore life a little. Are you from Everett?
13:20 Speaker 03 Yeah, yeah, yeah. I was born in Everett. Yeah.
13:22 Caleb Hammer? Okay. So it might be time to escape, right?
13:27 Speaker 03 Maybe. Yeah. I don't know where to escape to.
13:31 Caleb Hammer? Anything. Okay. Everett, listen, you're, you're close to Baltimore. You're close to DC.
13:36 Speaker 03 Yeah.
13:37 Caleb Hammer? You're close to Pittsburgh. So go to any of those cities.
13:40 Speaker 03 Two hours from Pittsburgh, two hours.
13:41 Caleb Hammer? Yeah, go to, move to any of those cities. You have some exposure to life.
13:45 Speaker 03 My sister lives in Philadelphia. So that's a good place to go. Um, yeah.
13:48 Caleb Hammer? Okay. Yeah. Yeah. Yeah. So do you live with, who do you, you, what are, what's your living situation?
13:54 Speaker 03 I live alone.
13:55 Caleb Hammer? Okay.
13:56 Speaker 03 I don't have a cat.
13:56 Caleb Hammer? Why is rent so cheap? You don't have a cat? Is that what you just said?
13:58 Speaker 03 I don't have a cat. No.
14:00 Caleb Hammer? Okay. It's a very specific thing. Okay. I did not ask. Okay. All right. Um,
14:11 Caleb Hammer? just you, no roommate. Who are you renting from? Someone you know?
14:14 Speaker 03 Yeah, yeah.
14:16 Caleb Hammer? How do you know them?
14:17 Speaker 03 Um, it's my dad and yeah.
14:24 Caleb Hammer? Okay.
14:27 Caleb Hammer? Okay. So that's why you're late and you don't give a fuck.
14:33 Speaker 03 Yeah, it's not good. He's, I think I'm taking advantage of their kindness sometimes. A lot of the time.
14:40 Caleb Hammer? Yeah, probably. So what are you doing to change that?
14:45 Speaker 03 It's a good question.
14:46 Caleb Hammer? I would love a good answer. Uh, why, why do nothing?
14:51 Speaker 03 It feels like I'm not doing anything. I mean, I can start by being running all the time. That's, that'd be decent.
14:58 Caleb Hammer? It's a good start.
14:59 Speaker 03 Yeah, probably making myself more competent in general would be good.
15:03 Caleb Hammer? Well, you're not an incompetent person. Come on. You're socially awkward. You're not dumb.
15:08 Speaker 03 Socially awkward. Yeah.
15:10 Caleb Hammer? Well, probably, right?
15:11 Speaker 03 Yeah, probably.
15:13 Caleb Hammer? Right?
15:13 Speaker 03 Am I throwing those vibes at you?
15:16 Caleb Hammer? No, you're artistic.
15:17 Speaker 03 Yeah, yeah.
15:18 Caleb Hammer? Yeah.
15:18 Speaker 03 Yeah.
15:19 Caleb Hammer? It's not a bad thing.
15:20 Speaker 03 Okay, yeah.
15:21 Caleb Hammer? Um, but that doesn't mean you're not fucking able to make decisions.
15:26 Speaker 03 True.
15:28 Caleb Hammer? Okay.
15:29 Speaker 03 How do you know which decisions are the right decisions?
15:31 Caleb Hammer? Well, you look things up. You become educated. You ask for advice. Do you do any of that? Do you, what, what do you do?
15:38 Speaker 03 I get stuck on what to do.
15:41 Caleb Hammer? Okay, so no dating to hold on to. When was your last relationship? I need something for you to latch on to.
15:46 Speaker 03 Yeah, I had a relationship, I think, I don't know.
15:49 Caleb Hammer? You think you don't know?
15:50 Speaker 03 March. Well, I'm trying to think of dates.
15:53 Caleb Hammer? Just about.
15:54 Speaker 03 Yeah, about March is when I broke up with him.
15:56 Caleb Hammer? That's when it ended.
15:57 Speaker 03 Yeah.
15:58 Caleb Hammer? I told you.
15:59 Speaker 00 New and exclusive holiday decor just launched online at the Home Depot. Check out the viral Grand Duchess collection with smart holiday lights you can control from your phone. Easily customize the twinkle across trees, wreaths, and garlands to match your holiday vibe.
16:17 Speaker 00 Create stunning light effects, then switch it up with the tap of your fingers. Even the man in red will be impressed. Shop the holiday decor you want online only at homedepot.com.
16:29 Caleb Hammer? It's June.
16:35 Speaker 03 Well, that's the only one that was a him.
16:37 Caleb Hammer? Yeah, yeah. Sticking in the butt. I get it.
16:40 Speaker 03 Oh, gosh.
16:41 Caleb Hammer? It happens. We've all done.
16:46 Speaker 03 I don't think I'll go back to that.
16:48 Caleb Hammer? Alright, don't be homophobic.
16:50 Speaker 03 Yeah, it is June.
16:52 Caleb Hammer? Just call me a Jew?
16:54 Speaker 03 No, it's June.
16:56 Caleb Hammer? This is a weird conversation. Okay. Um, was it a Discord relationship?
17:01 Speaker 03 It started on Discord, yeah. How'd you know that? Oh, I got it.
17:05 Caleb Hammer? What?
17:05 Speaker 03 How'd you know that?
17:07 Caleb Hammer? I know you.
17:08 Speaker 03 Okay.
17:10 Caleb Hammer? I know you.
17:11 Speaker 03 Have we met before?
17:13 Caleb Hammer? No, but we all, you know, when you meet enough people.
17:15 Speaker 03 Okay, gotcha.
17:16 Caleb Hammer? Maybe I'm a sidekick. Okay, okay, okay. Last one I met on Reddit. Are you trying to, are you trying to date? Cause I need you to have a hope for life. If you're actually in the situation where like, what's the point? There is no point. There actually is not a point if there is no point. You have to find your purposes.
17:31 Speaker 03 No, I, I'm really not looking to date. I'm just gonna, like, when I tell my mom, I'm.
17:35 Caleb Hammer? What ambitions do you have?
17:36 Speaker 03 I'm working on myself.
17:37 Caleb Hammer? Okay, do you wanna rent from someone that's not your parents?
17:39 Speaker 03 Y- yeah, yeah.
17:41 Caleb Hammer? Why do you rent from them specifically?
17:43 Speaker 03 Well, because I was, when I moved out, I was getting an apartment and they're like, well, oh, cause you know, I had it all set up to get an apartment somewhere else. And they're like, just go in here, it'll be nicer.
17:56 Caleb Hammer? So they're enabling, oh, they're coddling beyond coddle.
17:59 Speaker 03 They, they, yeah.
18:00 Caleb Hammer? Oh, that is not good for you. And look how it's turned out.
18:03 Speaker 03 Yeah.
18:04 Caleb Hammer? You just don't have anything to, you look, okay, how's your friend situation, Everett?
18:07 Speaker 03 I don't have many friends in Everett.
18:12 Speaker 03 I'm Discord friends.
18:13 Caleb Hammer? Okay, where, is there like a best friend?
18:16 Speaker 03 Uh, no. Maybe, I mean, I have, I have friends that, I go.
18:21 Caleb Hammer? Where would, where does this person live?
18:23 Speaker 03 Oh, uh, there's people.
18:26 Caleb Hammer? Your favorite?
18:27 Speaker 03 Right now?
18:28 Caleb Hammer? That you would wanna, right now? Someone that you would wanna hang out with on a consistent basis?
18:33 Speaker 03 Uh, maybe Canada or Texas.
18:35 Caleb Hammer? Okay, move to Texas then.
18:37 Speaker 03 Okay.
18:38 Caleb Hammer? Be around them. I need you to have a reason. If there is no reason, then there is no reason. That is true, to a certain extent.
18:46 Speaker 03 That makes sense.
18:48 Caleb Hammer? Well, I mean, I think. It's not me, is it?
18:50 Speaker 03 No. Okay.
18:54 Speaker 03 Oh, I didn't understand, but yeah, no.
18:56 Caleb Hammer? Okay, okay. I'm also not gonna bottom for you either, so.
19:07 Caleb Hammer? What?
19:07 Speaker 03 What?
19:08 Caleb Hammer? Did you get the joke?
19:10 Speaker 03 No.
19:11 Caleb Hammer? Oh, okay.
19:15 Caleb Hammer? Okay, Lindsay told me, is telling me, uh, before we go into the finances, I'm just trying to get you, I'm trying to understand, and I'm honestly, I am gonna struggle of like, hey, we gotta do this, this, this, in order to do this, cuz I don't know what the fuck you want to do. And that is gonna be hard, but I'm gonna at least try my best to help you through your finances and kinda assess where you are and make the math work and figure out where you should go, but Lindsay told me you wanna show me something.
19:38 Speaker 03 My pencil sharpener.
19:41 Caleb Hammer? You are carrying around a pencil sharpener?
19:44 Speaker 03 No, this thing's great, Caleb.
19:45 Caleb Hammer? I didn't say it was bad.
19:47 Speaker 03 Look at this, uh, it applies the pressure constantly, so it's always gonna be the same sharpness.
19:51 Caleb Hammer? This is the most excited you've been this entire conversation, okay?
19:54 Speaker 03 Yeah, yeah, yeah, yeah.
19:57 Speaker 03 Yeah, and then you can make it, you have to make it sure, I, I like to do it with my black wing pencils, but I don't have my black wing pencils right now.
20:03 Caleb Hammer? Okay, well, I'm not racist like that.
20:05 Speaker 03 Yeah, well, they're, they come in white too, but.
20:07 Caleb Hammer? Thank God.
20:10 Speaker 03 You don't know those pencils?
20:12 Caleb Hammer? No, I don't.
20:14 Speaker 03 What?
20:14 Caleb Hammer? I used to pen.
20:16 Speaker 03 Oh, my gosh. Pens are good.
20:18 Caleb Hammer? Is it gonna sharpen?
20:19 Speaker 03 Yeah, yeah, yeah, I had it on the other side in right now, but it's already pretty sharp.
20:22 Caleb Hammer? It's very messy.
20:24 Speaker 03 No.
20:26 Speaker 03 Doesn't go anywhere.
20:30 Caleb Hammer? When you take it out, it goes everywhere, Caleb.
20:32 Speaker 03 Why'd you do it? Well, I had to show you, right?
20:35 Caleb Hammer? Okay, what else?
20:37 Speaker 03 I chew on my pencil. What else?
20:40 Caleb Hammer? Is there anything else?
20:41 Speaker 03 No, I don't, I don't think so.
20:42 Caleb Hammer? What else is in your magic backpack, Lindsay wants to know?
20:45 Speaker 03 I have lots of stuff in my backpack.
20:46 Caleb Hammer? Can we see?
20:47 Speaker 03 Uh, no, cuz it's mostly disclosed. I flew here, so I had to like, do the carry-on backpack sorta deal. Just put everything in there.
20:58 Caleb Hammer? Anything else I should know about you so that I know you as a human? So that it makes sense as we're assessing your finances? I will tell you this, we know it comes in 3,883 usually, of course, last month was uh 3,040 from income PayPal is 589, what's that? 589 total, not one time.
21:20 Speaker 03 589, it depends, it's probably figures.
21:23 Caleb Hammer? Why the did mom send you 245 dollars?
21:25 Speaker 03 Cause she, she's linked to my bank account, so she probably saw I was low.
21:31 Caleb Hammer? Do you wanna be independent?
21:32 Speaker 03 Yes.
21:33 Caleb Hammer? Okay, so there's that, we have that, is that a goal?
21:36 Speaker 03 Yeah, that can be a goal, yeah.
21:37 Caleb Hammer? Why, do, why do you wanna be independent?
21:38 Speaker 03 Cause I don't think it's good and I can't rely, I can't rely on it forever.
21:42 Caleb Hammer? No.
21:43 Speaker 03 No, for sure. Yeah, I feel bad for them, I don't think, you know, they grew up pretty poor, so I don't think they understand too much of that stuff.
21:54 Caleb Hammer? What have you been diagnosed with?
21:56 Speaker 03 Oh, I have, I have a kind of severe autism and really, really bad ADHD.
22:02 Caleb Hammer? Okay.
22:03 Speaker 03 Yeah.
22:03 Caleb Hammer? Okay. So nothing that prevents you from having a real conversation and being? Okay, good, I just wanted to make sure.
22:12 Speaker 03 Yeah, no, I'm processing it, I just don't know if I'm.
22:14 Caleb Hammer? I wanted to make sure this was an appropriate conversation.
22:17 Speaker 03 Yeah.
22:17 Caleb Hammer? Does that make sense?
22:18 Speaker 03 Yeah, I gotcha.
22:19 Caleb Hammer? But it is, cause autism is autism and ADHD is ADHD, what America doesn't have. Huh?
22:25 Speaker 03 But.
22:26 Caleb Hammer? Well, yeah.
22:26 Speaker 03 Yeah.
22:29 Caleb Hammer? Okay.
22:31 Caleb Hammer? Trust me, the tism flows hard through here.
22:33 Speaker 03 Austin, autism.
22:37 Caleb Hammer? Mm-hmm. So your mom sent you money because you were low, I mean, how much do you think you spent last month? Does Zuko's debt going up and stuff like that as well?
22:45 Speaker 03 Oh, 3,700?
22:47 Caleb Hammer? 4,416 dollars and five cents.
22:50 Speaker 03 Okay, gotcha.
22:52 Caleb Hammer? She's spending a thousand more, well, actually, that's 1,500 more than came in.
22:56 Speaker 03 Yeah.
22:57 Caleb Hammer? Why? Um, why would you allow this?
23:03 Speaker 03 Maybe I had, well, obviously, I didn't have the money in my bank account if mom sent me money.
23:09 Caleb Hammer? Yeah. All right, let's talk about credit. Not the fun kind of credit rewards or perks, but the kind that slams doors in your face when it's bad. Can't get a decent car loan? Denied for an apartment? Yeah, a lot of us have been there. But that is where Kickoff comes in. I found Kickoff when I realized I needed to take my credit seriously and fast. Sign up and you can get a Kickoff trade line just for building credit. It's not for spending? Then pick a plan, make small monthly payments on time, and Kickoff reports it to all three major credit bureaus. Plans start at just five bucks a month, and you can start building credit immediately for only a dollar for your first month. One dollar, no credit check, no interest.
23:54 Caleb Hammer? Cancel anytime. It's credit building without a catch. Kickoff targets key credit factors: payment history, credit mix, and utilization. Users with credit under 600 saw an average gain of 84 points in their first year with on-time payments. And yeah, that is real data. So start building credit with Kickoff today. Get your first month for as little as $1 at getkikoff.com/caleb. That is K-I-K-O-F-F.com/caleb. Must sign up via getkikoff.com/caleb to activate offer. Offer applies to new customers first month only. Individual results may vary. Subject to approval, offer subject to change. Terms and conditions may apply. Kickoff credit service starts at $5 a month for 12 months. Average first-year credit score impact plus 84 points. Standard score 3.0 between January 2023 and January 2024 for Kickoff credit account users to start with a score below 600 who paid on time and who had no delinquencies or collections added to their credit during the period. Late payments may negatively impact your credit score. Thanks again to Kickoff for sponsoring today's video.
24:39 Caleb Hammer? Let's get back to it.
24:40 Speaker 03 So, it's a good question. Probably not paying attention to it would be my primary reason, but everybody can say that.
24:48 Caleb Hammer? Yeah.
24:50 Speaker 03 Getting things you want.
24:53 Speaker 03 Too much time. I have too much time on my hands. I need to be focused on stuff.
24:56 Caleb Hammer? Yeah, so you're just a hobby. Focus on the hobbies hardcore. That can be hard. That can be expensive when you don't have a large budget and you hobby hop like crazy.
25:07 Caleb Hammer? Can we make a goal to have you?
25:10 Speaker 03 Independent?
25:11 Caleb Hammer? Not just independent, I want you, I kinda want you to leave Everett. I want you to leave from your, what?
25:17 Speaker 03 Oh, no, that's fine.
25:18 Caleb Hammer? I want you to experience something outside of your small town. It's not bad to be in a small town, but you're definitely very sheltered and mommy and daddy are coddling you. So I really want you to get some exposure.
25:28 Speaker 03 I got you.
25:29 Caleb Hammer? To the world. I want you to start making some friends, you know? A D and D night, the vibes, right?
25:34 Speaker 03 I don't like D and D.
25:35 Caleb Hammer? Okay, uh, go to the bottoms up gay club that I assume exists somewhere close.
25:42 Speaker 03 I don't like that either.
25:44 Caleb Hammer? Uh, the cum dump.
25:49 Speaker 03 I mean, it's like, uh, maybe, I mean, Pokemon's good, that's good.
25:52 Caleb Hammer? Huh?
25:53 Speaker 03 Maybe stationary, stationary is fun.
25:57 Caleb Hammer? Where, where is, huh, is that a place?
25:59 Speaker 03 Trains, dinosaurs, they're good.
26:02 Caleb Hammer? I'm confused, I'm confused, I'm sorry.
26:04 Speaker 03 You're trying to find hobbies or something, right? You said D and D night and then I was like, I don't really like.
26:09 Caleb Hammer? You could go to dinosaurs.
26:10 Speaker 03 Yeah.
26:12 Caleb Hammer? Is that a thing?
26:13 Speaker 03 I don't know.
26:16 Speaker 03 No, it's not a thing.
26:19 Caleb Hammer? No dinosaur club?
26:20 Speaker 03 I don't think there's a dinosaur club.
26:21 Caleb Hammer? Is there a train club?
26:24 Speaker 03 Probably be a train club. I know my one neighbor was really into trains back in the day.
26:29 Caleb Hammer? Okay.
26:35 Caleb Hammer? How do you feel about leaving Everett?
26:37 Speaker 03 I think it would be good. I think I need to leave Everett eventually.
26:40 Caleb Hammer? Okay, eventually, can we, like, you don't have a term, you're renting with your parents, you could leave whenever.
26:44 Speaker 03 Yeah.
26:44 Caleb Hammer? If we can get you to a financially sound place, emergency fund.
26:47 Speaker 03 They're, they're eventually selling that, but yeah.
26:49 Caleb Hammer? Do they have a timeline?
26:50 Speaker 03 Oh, as soon as they can.
26:52 Caleb Hammer? Then why the fuck did they offer it to you? What do I not know?
26:56 Speaker 03 Oh, no, I'm just running, you know, well.
26:58 Caleb Hammer? Yeah, no, of course.
26:59 Speaker 03 Just the one unit, but I'm not selling the whole building.
27:02 Caleb Hammer? Yeah, but then, yeah, but then you'll be a tenant to a real landlord, you'll be locked into a lease.
27:06 Speaker 03 Yeah.
27:07 Caleb Hammer? Uh, okay, so the goal then.
27:12 Speaker 03 Is to leave Everett.
27:14 Caleb Hammer? The goal is to get out there, have a fully funded emergency fund, so we can leave Everett.
27:18 Speaker 03 Okay.
27:20 Caleb Hammer? Well, if we go to a place where you can find a community, really, really settle down, get some exposure from the world and disconnect from our parents financially and life controlling. Not love, not anything like that. Go home all the time. I'm good with that. Okay. But mommy in the checking account? Not anymore. They're keeping the roof over our head? Not anymore. Need you to get out there.
27:44 Speaker 03 Yeah.
27:46 Speaker 03 Yeah, I mean, I definitely do need.
27:48 Caleb Hammer? Do you like meeting new people?
27:49 Speaker 03 Meeting new people? No, I kind of nervous meeting people.
27:52 Caleb Hammer? Me too. Me too.
27:54 Speaker 03 I'd rather read.
27:57 Caleb Hammer? Yeah, yeah, yeah, yeah. Okay. I get it. Maybe a reading club.
28:01 Speaker 03 Reading club, maybe a reading club.
28:02 Caleb Hammer? Trust me, if you want the literal hottest women in Austin.
28:05 Speaker 03 Uh, book clubs, really?
28:07 Caleb Hammer? No, well, I, I'm sure you could find a couple twinks there as well, but hottest women. So you're right. I don't know your type. Maybe a couple bears. Uh, the bookshops, the bookshops on a weekend. Crazy world, crazy world, crazy world.
28:25 Speaker 03 Why would you know?
28:25 Caleb Hammer? Girlfriend, you don't hear me saying this, but crazy world out there. We technically go there together and.
28:30 Speaker 03 What's your genre? What do you read?
28:32 Caleb Hammer? What do you read?
28:33 Speaker 03 White women.
28:35 Caleb Hammer? What?
28:42 Caleb Hammer? Sorry.
28:44 Caleb Hammer? It's a silly episode so far, so.
28:47 Caleb Hammer? Let's do some math.
28:48 Speaker 03 Okay.
28:50 Caleb Hammer? From a range of zero to 10, what do you think your financial score is? Zero being the worst, 10 being the best.
28:56 Speaker 03 Including zero?
28:57 Caleb Hammer? Yeah.
28:58 Speaker 03 Zero.
28:59 Caleb Hammer? Okay. Why'd you let it get so?
29:02 Speaker 03 Um.
29:04 Caleb Hammer? Because you don't care. We kind of established this. That's okay.
29:06 Speaker 03 Yeah, I just fall into some bad habits.
29:09 Caleb Hammer? If you want to know your financial score, go to Calebhammer.com or click that link in the description below. And if you want to come on the show, go to Calebhammer.com/apply. What are you looking?
29:18 Speaker 03 Uh.
29:18 Caleb Hammer? You're good?
29:19 Speaker 03 I was looking at like, yeah.
29:20 Caleb Hammer? It's right.
29:23 Caleb Hammer? PayPal Credit, what's going on?
29:26 Speaker 03 Uh, PayPal Credit. Um, I use that to buy stuff online. It's easy if I don't have money in my bank account, because everything's PayPal nowadays.
29:36 Caleb Hammer? What do you buy?
29:37 Speaker 03 I'm sure you use everything PayPal nowadays. I mean, figures, anything online.
29:41 Caleb Hammer? What are these figures? Do you have one?
29:42 Speaker 03 Concerts.
29:43 Caleb Hammer? No, I should have brought one. You should have brought one, comfort anime.
29:47 Speaker 03 Comfort anime. I almost brought plushy, but I think I lost her when I was leaving the house. I hope I didn't lose her in the airport, that would be terrible.
29:53 Caleb Hammer? Horrible.
29:53 Speaker 03 Horrible.
29:54 Caleb Hammer? I would never do that.
29:55 Speaker 03 Yeah.
29:56 Caleb Hammer? Okay.
29:57 Speaker 03 It's like a $200 plushy.
29:59 Caleb Hammer? And you lost it?
30:01 Speaker 03 I think it's in my car.
30:04 Speaker 03 Well, this is a 3000.
30:08 Caleb Hammer? Okay. I just wanted to make sure you didn't lose the $200 thing. Uh, they told me you have pictures of the figures. Can I see?
30:15 Speaker 03 I, yeah.
30:16 Caleb Hammer? And we'll put them on screen for everyone.
30:17 Speaker 03 Yeah, I don't have my phone.
30:19 Caleb Hammer? Where is it?
30:19 Speaker 03 I don't know.
30:21 Caleb Hammer? You don't know where your phone is?
30:22 Speaker 03 Well, it's okay, don't play.
30:24 Speaker 04 No, I gave it back.
30:25 Caleb Hammer? No.
30:26 Speaker 03 You what?
30:27 Caleb Hammer? You have your phone.
30:30 Speaker 03 No.
30:31 Speaker 04 Like when we did the trade.
30:32 Speaker 03 Oh, well, I guess I lost my phone.
30:35 Caleb Hammer? Go find it.
30:37 Speaker 04 I'll, I'll go.
30:38 Caleb Hammer? Okay, um, posters. Oh, this is a goon cave, if I've seen one.
30:45 Speaker 03 It does look like a goon cave, doesn't it?
30:47 Caleb Hammer? You know gooning, but you don't know what their word... Okay.
30:51 Speaker 03 I, I, I, I am on the internet sometimes.
30:54 Caleb Hammer? We talked, before the conversation, we had like a three-minute conversation. Usually it's the producers onboarding and everything, and onboarding videos and all this stuff before.
31:01 Speaker 03 Yeah.
31:02 Caleb Hammer? But, uh, we were talking and I was like, hey, you know, just have fun, make sure you're talking. Uh, be, be yappy, you know, we tell people to be yappy.
31:09 Speaker 03 Excited.
31:10 Caleb Hammer? Sometimes people are a bit nervous. He didn't know what the word yapping was, but he knows what the word goon is.
31:14 Speaker 03 I didn't know what you meant in that context, yeah.
31:17 Caleb Hammer? What other yap is there?
31:19 Speaker 03 Yap.
31:19 Caleb Hammer? Okay, this is a horny... Those are tits.
31:23 Speaker 03 Oh, good, go, go, there's more.
31:24 Caleb Hammer? I'm, trust me. Dude, I don't wanna know how many crusty socks are in this room.
31:30 Speaker 03 Crusty socks?
31:34 Speaker 03 No.
31:38 Caleb Hammer? Okay, this is, this is insane. And you spent how many thousands on all this?
31:43 Speaker 03 That's, then we're done.
31:45 Caleb Hammer? That's your hat?
31:46 Speaker 03 Yep. It's a $5,000 hat.
31:50 Caleb Hammer? The fucking why?
31:52 Speaker 03 I bought a $5,000 hat. That was before I got into debt, but yeah, it was not a good decision.
31:58 Caleb Hammer? Sell it!
31:59 Speaker 03 I can't, I kinda, it's gonna ruin now.
32:02 Caleb Hammer? From your fucking... No, I, I see what's around that room. I know we'll be dropping loads.
32:09 Speaker 03 My parents' cat kinda ruined it and then I kinda got toothpaste on it, I think.
32:13 Caleb Hammer? Toothpaste?
32:14 Speaker 03 It doesn't really get out, I can't, I don't know.
32:16 Caleb Hammer? The toothpaste can't get out?
32:17 Speaker 03 No, it can't. Oh, I get it.
32:20 Caleb Hammer? Okay.
32:21 Speaker 03 I get it. No. That's funny though.
32:25 Caleb Hammer? Thank you.
32:30 Caleb Hammer? What is happening with the PayPal credit?
32:32 Speaker 03 Um, like I said, I just, bad, if I have to buy something and I don't have money on it, I can just put it on the PayPal credit because everything's PayPal.
32:41 Caleb Hammer? It's, it's, it's, it's, it's at $408.03, the minimum monthly payment of $30.
32:50 Speaker 03 Okay, $3.
32:52 Caleb Hammer? Yes, but you...
32:55 Caleb Hammer? Well...
32:57 Speaker 03 Payments credits.
32:58 Caleb Hammer? Looks like you pay this off every month.
33:00 Speaker 03 Yeah, I've never had interest.
33:02 Caleb Hammer? Well, it's occurred. I'm gonna cross that one off, but you're still purchasing $415.91. Why are you purchasing that much money? If you are literally missing a $500 rent, 400 whatever.
33:14 Speaker 03 450.
33:15 Caleb Hammer? Yeah, 450, then why are you purchasing $415 on PayPal credit?
33:18 Speaker 03 I could get the rent.
33:20 Caleb Hammer? Huh?
33:20 Speaker 03 Yeah, that could go the rent, yeah.
33:22 Caleb Hammer? Yes, that's what, that's what I'm saying.
33:24 Speaker 03 Yeah. Um, I don't know what's, I, I'm making, I'm purchasing things like, I, like, like I said, if it's online and I don't have money, I can do it.
33:34 Caleb Hammer? What's FastSpring?
33:35 Speaker 03 FastSpring?
33:36 Caleb Hammer? Yeah, $7.42.
33:40 Speaker 03 Fast, I don't know if that's.
33:41 Caleb Hammer? FastSpring.
33:42 Speaker 03 FastSpring.
33:43 Caleb Hammer? $7.42.
33:45 Speaker 03 Fa, what's fa, what do you mean FastSpring?
33:49 Caleb Hammer? That's what it's, the description of the purchase.
33:51 Speaker 03 Okay, wait, let me look.
33:56 Caleb Hammer? We, we had Matt, the security guard, check this bag, right? This is a fun one. I get to get you free money and then I get to get. Myself free money. It's a pure win-win for both of us. What do you have to do? Sign up for a SoFi High Yield Savings Account and get a welcome bonus of $300. Sign up for Acorns using my link and get $20 instead of the usual $5. Finally, sign up for Silo and earn up to $5,000 in cash back on your own stocks. These offers have been negotiated to give us both more money than using traditional signup methods. So use the links in the resources section of the description below and get yourself $5,320 right now.
34:45 Speaker 03 I don't think I have my PayPal credit on there.
34:50 Speaker 03 Spring. So which one are you looking at?
34:51 Caleb Hammer? PayPal credit?
34:53 Speaker 03 Yeah.
34:55 Speaker 03 Consolidated. I probably don't have it. Sorry.
34:59 Caleb Hammer? After all that, you don't have that seed.
35:06 Speaker 03 Trust. I printed these out very haphazardly.
35:11 Caleb Hammer? Come on, all of this and you don't have a fucking...
35:14 Speaker 03 Afforded notice. Oh, here we go. Wait, no, that's Capital One again. Why do I have three Capital Ones?
35:22 Speaker 03 Okay, yeah, I don't know what Fastspring is. It might be...
35:25 Caleb Hammer? Okay, and $408.49 spent on Ann and Mamie.
35:32 Speaker 03 And?
35:32 Caleb Hammer? Amy, Amy. And Mamie?
35:34 Speaker 03 Yeah, that's where I mostly buy enemy figures at.
35:36 Caleb Hammer? I thought you were done.
35:38 Speaker 03 Significantly less than a thousand.
35:42 Caleb Hammer? This is $408.49.
35:45 Speaker 03 $408, yeah.
35:46 Caleb Hammer? That's your rent and you're not paying your rent.
35:49 Speaker 03 Yeah. That was the only one that month, though.
35:54 Caleb Hammer? That isn't... But that's your rent. That doesn't matter that that's the only one. That is the amount. If you are not paying your rent on time, how are you gonna live on your own if you cannot pay your rent on time?
36:03 Speaker 03 I would have to get more discipline.
36:05 Caleb Hammer? Exactly, but that's why I'm saying there's no chance of you being able to do that.
36:09 Speaker 03 No, no, not with those habits, no.
36:11 Caleb Hammer? Exactly, but you're doing nothing to change it.
36:15 Speaker 03 Yeah.
36:16 Caleb Hammer? You have your fucking goon cave, you've maxed it out to the fucking, just the tits. Galore.
36:22 Speaker 03 Yeah, run out of space.
36:23 Caleb Hammer? Like I said, go to a coffee shop. In Pittsburgh.
36:26 Speaker 03 Pittsburgh, yeah.
36:27 Caleb Hammer? Or DC.
36:29 Speaker 03 DC.
36:29 Caleb Hammer? Okay, Pittsburgh.
36:30 Speaker 03 Pittsburgh, yeah.
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37:01 Speaker 03 Pittsburgh, yeah.
37:02 Caleb Hammer? Pittsburgh, coffee shop.
37:06 Caleb Hammer? Attractive women. Just don't goon in public. I'm talking about approaching.
37:12 Speaker 03 Approaching, approaching people, okay.
37:14 Caleb Hammer? Who's your celebrity crush?
37:16 Speaker 03 Uh.
37:19 Speaker 03 Chewie.
37:22 Caleb Hammer? Huh?
37:24 Speaker 03 K-pop.
37:25 Caleb Hammer? Spell it.
37:26 Speaker 03 T-Z.
37:28 Caleb Hammer? Chewie starts with T?
37:29 Speaker 03 Yeah.
37:30 Caleb Hammer? TC.
37:31 Speaker 03 TZ.
37:32 Caleb Hammer? Okay, TZ.
37:33 Speaker 03 U-Y-U.
37:35 Caleb Hammer? Okay, she's hot, but would I be racist to say she looks like all the rest of them? The K-pop, the K-pop women, the K-pop women.
37:44 Speaker 03 They, they look different.
37:46 Caleb Hammer? Not Asians. I like the one that was in The White Lotus.
37:49 Speaker 03 Okay, yeah. I never watched White Lotus, to be honest.
37:52 Caleb Hammer? Well, she was very hot.
37:53 Speaker 03 Okay.
37:55 Caleb Hammer? Okay, so that's your type, so we're approaching those in the coffee shop.
37:59 Speaker 03 Yeah, my mom kind of gives my number out to any Asian woman she meets.
38:03 Caleb Hammer? How does that work?
38:05 Speaker 03 She wants me to text this one girl, I don't, I don't think I will.
38:08 Caleb Hammer? Do you know what she looks like?
38:09 Speaker 03 Yeah.
38:10 Caleb Hammer? Can I see?
38:11 Speaker 03 Uh, duh, duh, duh, duh, duh. Where's my phone?
38:18 Speaker 03 I'd have to, I have to go to Facebook, then I have to bring up
38:21 Caleb Hammer? Okay, well, no
38:22 Speaker 03 Social, then I have to sort by
38:24 Caleb Hammer? Okay, I never mind. Okay, never mind.
38:28 Caleb Hammer? I'm just saying, I need you to get, get you out of the house. Cause you keep buying Goon material and it's cost you hundreds of dollars a month. That's the point I'm trying to make.
38:37 Caleb Hammer? Well, are you willing to sell all this?
38:39 Speaker 03 All of it?
38:40 Caleb Hammer? Yes.
38:41 Speaker 03 Some of it's kind of hard to sell.
38:44 Caleb Hammer? Why? Cause it has toothpaste all over it?
38:46 Speaker 03 No, because I mean, it's, they're, they're fairly rare.
38:51 Caleb Hammer? Isn't that good to sell then?
38:54 Speaker 03 It is. I guess that's true, but I don't think I'd ever be able to get it again is the problem.
38:58 Caleb Hammer? Good. I don't give a, make a lot of money and then you can get whatever collectibles you want.
39:04 Speaker 03 I thought about that. Yeah. If you just make
39:05 Caleb Hammer? Yeah, but okay, what's the goal? Is the goal fucking Goon tits? All around the room or is the goal moving away and having a little bit of independence and separating from mommy and daddy?
39:15 Speaker 03 Move away.
39:16 Caleb Hammer? Then sell the boobs!
39:18 Speaker 03 Send the boobs.
39:19 Caleb Hammer? Sell the boobs.
39:21 Speaker 03 Gotcha.
39:22 Caleb Hammer? Get online.
39:25 Speaker 03 Yeah.
39:25 Caleb Hammer? And crank it old school.
39:27 Speaker 03 Crank it old school. eBay or what do you guys? Well, I mean, you could do, it's better. My figure collection is a little bit better. I could do Mercari.
39:40 Caleb Hammer? I said a 30.39% interest rate, but again, you weren't, you're not holding a balance.
39:44 Speaker 03 Yeah, yeah. So I've never paid
39:45 Caleb Hammer? But it's the money that could have gone towards debt, the rest of your debt and it's money that
39:50 Speaker 03 Yep.
39:51 Caleb Hammer? Could have gone towards rent. Okay. This one has a balance substantially. Capital One, what's going on with this?
39:56 Speaker 03 Well, it's, it's over the limit, right? 3,500.
39:58 Caleb Hammer? It is. Why is it over the limit?
40:01 Speaker 03 Cause I'm spending on it and incurring interest.
40:04 Caleb Hammer? But your $400 on animation could have gone to this.
40:07 Speaker 03 Yeah.
40:08 Caleb Hammer? Could have got this paid off even quicker.
40:10 Speaker 03 Yeah. I don't remember how that one ballooned up. I knew there was a concert that I spent a lot on merch on it, but I don't, that was like $500. So I don't know where the rest came from. I, I do use that for sheets.
40:21 Caleb Hammer? Going to concerts? What concert?
40:23 Speaker 03 Oh, that was 8-0.
40:25 Caleb Hammer? I don't know. Uh, okay. But that shows that you at least want to get out there and do stuff.
40:29 Speaker 03 Yeah, yeah, that was fun. I talked to people.
40:31 Caleb Hammer? What's ADO?
40:32 Speaker 03 Uh, she's a Japanese singer. Doesn't show her face. She's really cool. She's like-
40:37 Caleb Hammer? I hope you keep it in private.
40:40 Speaker 03 What do you mean by that?
40:42 Caleb Hammer? Just hope it didn't happen there.
40:44 Speaker 03 No.
40:48 Caleb Hammer? Just saying, I don't know.
40:49 Speaker 03 No, how can I, how can I, she's, she doesn't, I don't, we don't know what she looks like.
40:54 Caleb Hammer? Listen buddy, I'm putting you in two camps. Goonin' all day or school shooter. So it's like-
40:59 Speaker 03 School shooter?
41:01 Speaker 03 Really? I've never had that before. That's interesting.
41:06 Speaker 03 It's really interesting. Alright.
41:10 Caleb Hammer? And listen, the fact is, you purchased seventy-one dollars fifty-four cents.
41:17 Speaker 03 Yeah, that was probably mostly sheets.
41:19 Caleb Hammer? Sheets?
41:20 Speaker 03 Yeah. You don't know what sheets is?
41:22 Caleb Hammer? You got toothpaste all over your set?
41:26 Speaker 03 What? Do you not, sheets?
41:28 Caleb Hammer? Oh, the location sheets?
41:30 Speaker 03 The, the, that's not fast food. Um, gas, convenience store.
41:34 Caleb Hammer? What are you getting there?
41:35 Speaker 03 What do you guys, like a Wawa? Does that make sense?
41:38 Caleb Hammer? What are you getting there? I, I understand.
41:40 Speaker 03 Yeah, yeah, yeah. Um, probably breakfast.
41:44 Caleb Hammer? Okay, so fucking, you were, you got Google Play something, you got Audible, you got breakfast, you got breakfast-
41:51 Speaker 03 Oh yeah, I need to cancel that Audible.
41:52 Caleb Hammer? And then Viz Media.
41:55 Speaker 03 Viz Media. So how much was that?
41:56 Caleb Hammer? Three dollars and seventeen cents.
41:58 Speaker 03 Yeah, that was a subscription.
41:59 Caleb Hammer? A subscription to what? You paying to chat?
42:02 Speaker 03 No, that's, uh, like anime, or not anime, manga. But I need to cancel. So I don't even use that.
42:08 Caleb Hammer? You need to get out of this world, man!
42:10 Speaker 03 Yeah, I don't even use that. So-
42:14 Caleb Hammer? At least, I'm surprised you don't have any Leffees this year, but you have lost three hundred and thirty-nine dollars and nineteen cents in interest.
42:20 Speaker 03 This year.
42:21 Caleb Hammer? Yeah, and just this card, just this card.
42:23 Speaker 03 Okay.
42:24 Caleb Hammer? It's the minimum monthly payment that is scaring me, because I know we have so much that we're stacking up.
42:30 Caleb Hammer? I don't know.
42:31 Speaker 03 Just this year is kind of crazy, because it's been like four months, so.
42:35 Caleb Hammer? Well, month number six, but I get it. I get it.
42:38 Speaker 03 Yeah.
42:44 Speaker 03 Okay.
42:46 Caleb Hammer? Math.
42:46 Speaker 03 Math. Okay.
42:47 Caleb Hammer? We're in the sixth month.
42:48 Speaker 03 Okay. Yeah. Well, that one's on the fourth.
42:52 Caleb Hammer? Uh, actually. Actually, he's right.
42:59 Caleb Hammer? He's right.
43:01 Speaker 03 It's like a hundred dollars a month on interest.
43:03 Caleb Hammer? Yeah, it's insane. You lost in just this last month eighty-three dollars and eighty, uh, eighty-eight cents in interest. And yeah, I mean, the higher this balance goes, and now you're over, you're lucky you're not getting any fees. This is gonna get worse and worse. How long do you think this takes to pay off if you only make your minimum monthly payments and you don't purchase anything? Which, by the way, you're incapable of, because you always purchase.
43:21 Speaker 03 Yeah, isn't it usually like a factor of seventeen? So seventeen years?
43:25 Caleb Hammer? Very close, eighteen.
43:26 Speaker 03 Oh, eighteen. Okay, gotcha. Yeah.
43:28 Caleb Hammer? Huh, so sometimes the math works, sometimes it doesn't. I get it.
43:32 Speaker 03 It's a topological problem. It's funny.
43:34 Caleb Hammer? Listen, I just, I don't think you can manage credit cards. I really just don't.
43:39 Caleb Hammer? You shouldn't have credit cards.
43:40 Speaker 03 If they have balances on them right now, it's not good.
43:44 Caleb Hammer? Yeah, but that's what happens. If you're, if you're above a credit limit and a credit interest on a credit card, you're not a credit card person.
43:51 Speaker 03 No.
43:51 Caleb Hammer? It's as easy as that.
43:55 Caleb Hammer? Do you accept that? That you cannot use credit cards?
43:59 Speaker 03 I think if I paid off all my balances and I just.
44:02 Caleb Hammer? But are you? Are you?
44:03 Speaker 03 If I just use them and I pay them off as we go, that would be the way they use it.
44:07 Caleb Hammer? That is the definition of a credit card person, but are you doing that?
44:10 Speaker 03 I'm not doing that right now.
44:12 Caleb Hammer? So you shouldn't have credit cards, correct?
44:14 Speaker 03 I shouldn't have those credit cards now.
44:16 Caleb Hammer? Good. It is a dangerous tool. It's a tool that can be used to benefit you, but the vast majority use it against themselves. Okay, they take back the hammer and they hit themselves in the face. Well, yes, yeah, absolutely. Well, and credit cards mostly make their money through transaction fees, but.
44:29 Speaker 03 Really? Okay.
44:30 Caleb Hammer? Yes, but either way, you should not have a credit card.
44:34 Speaker 03 Okay.
44:34 Caleb Hammer? Can we agree on that?
44:36 Speaker 03 I, I can agree with that. I should have less credit cards.
44:39 Caleb Hammer? You shouldn't have credit cards.
44:42 Speaker 03 Okay.
44:44 Caleb Hammer? And zero, because look what you've done with credit cards.
44:49 Speaker 03 I don't think my past is reflective that I can be trusted with credit cards.
44:54 Caleb Hammer? What else would we judge you on about what you're gonna do than what you're doing now and then the past?
45:04 Speaker 03 Yeah. So if I, well, I can't do it unless I try, but yeah.
45:10 Caleb Hammer? Do what?
45:12 Speaker 03 Do use the credit cards the way they're meant to be used?
45:14 Caleb Hammer? Exactly, but what's the point? What's the point? Why do you care?
45:17 Speaker 03 That's true. What's the point of a credit card anyway?
45:22 Caleb Hammer? Well, I like it for the rewards. I like it to build a credit score and I, you know, with a good credit score, I'm able to utilize leverage with real estate. That's why I did.
45:32 Speaker 03 Yeah.
45:33 Caleb Hammer? Cause you just, you already said you don't care about getting a house.
45:35 Speaker 03 I don't think I'm looking for any of those benefits at this time, so I shouldn't use a credit card.
45:39 Caleb Hammer? Yeah, what is the point? Is there a point? No, right?
45:43 Speaker 03 No.
45:43 Caleb Hammer? So you'll close them all?
45:44 Speaker 03 Yeah.
45:46 Caleb Hammer? Yes, you will.
45:47 Speaker 03 Yes, I will.
45:47 Caleb Hammer? Good. I'll let you have the Fizz card, cause it acts as a debit card. It only lets you spend what's in your checking account. Cause remember how you said you literally spent on the last card when you don't have enough money in your checking account?
45:56 Speaker 03 Yeah.
45:56 Caleb Hammer? Yeah, that at least counteracts that.
45:59 Speaker 03 So then what happens? It just cancels the transaction?
46:03 Caleb Hammer? Huh?
46:03 Speaker 03 So then what happens if you try to do that?
46:06 Caleb Hammer? Do what?
46:07 Speaker 03 Spend what's not in your bank account.
46:08 Caleb Hammer? It'll let you decline.
46:10 Speaker 03 Yeah, okay.
46:11 Caleb Hammer? Okay.
46:12 Speaker 03 Yeah.
46:13 Caleb Hammer? You just gotta use tools that you're able to actually use. And clearly, you're not able to do this. I mean, listen, I have a note that says you got a ticket as a birthday gift to go see your big girl that you love, the Asian Addo, and you're planning to spend another $400 in merch again? $400 for merch? Listen dude, now here's the, here's an assessment. You'll love boobs. They're everywhere. They're all over your room.
46:41 Speaker 03 That's just the figures.
46:42 Caleb Hammer? They're all over your room. She doesn't have any. So what are we even doing? Cognitive dissonance.
46:50 Caleb Hammer? I'm joking.
46:51 Speaker 03 I mean, it's like real versus fake.
46:54 Caleb Hammer? I'm joking. I'm joking. I'm joking.
46:57 Speaker 03 I got it.
46:57 Caleb Hammer? I'm just saying, you're gonna spend $400 on merch?
47:00 Speaker 03 Yeah.
47:01 Caleb Hammer? You said you told Lindsay you were going to. That's rent!
47:04 Speaker 03 Yeah, I mean, I already bought like the light stick.
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48:33 Caleb Hammer? M-E-E-T-fabric.com/caleb. Thanks, Fabric. Let's get back to the episode. If you aren't earning up to $5,000 every single year just for holding your investments, then honestly, why are you even still with your broker? Today's sponsor, Silo, is the world's first cash-back investing platform. And if you deposit using my link, they'll boost your balance by 1% every single year for life, not a typo. Every year, forever. Let me break that down. I've got $100,000. In the S and P 500 V O O E T F with Silo. And that's a $1,000 bonus every single year stacked on top of the average 9% market growth. And over time, instead of growing to 3.2 million dollars like usual with Silo bonuses, it grows to 3.8 million dollars. That's an extra $600,000 just for parking my money smarter.
49:18 Caleb Hammer? 1,000 hours extra year is a no brainer for 10 hours a month. And here's the kicker. Silo makes switching easy. You can transfer your existing stocks and ETFs in just four business days. And if your old broker charges those pesky transfer fees, Silo covers those as well, but only until the end of this month. So if you want to earn up to 5,000 hours every single year, don't wait. Use my link silomarkets.com slash Caleb to transfer your brokerage for free while you still can. I've taken advantage of this and you should too. Let's get back to the video. Sort of like a.
49:49 Speaker 03 Actually, I think I probably have a.
49:53 Caleb Hammer? The backpack is bottomless.
49:55 Speaker 03 It's. I don't know where I put it.
49:57 Caleb Hammer? Probably put it in the state, the fucking pencil sharpener.
50:01 Speaker 03 No.
50:03 Speaker 03 Huh? But it's like a.
50:05 Caleb Hammer? Get it?
50:06 Speaker 03 I don't know where it is.
50:07 Caleb Hammer? In the backpack?
50:08 Speaker 03 I don't think I can find it. To be honest with you. This backpack is amazing.
50:16 Speaker 03 Yeah, I'm not gonna be able to find it. I'm sorry.
50:19 Caleb Hammer? So this thing we're very excited to purchase, you cannot find in a backpack. Okay.
50:27 Caleb Hammer? Okay, okay, up here.
50:28 Speaker 03 Yeah, sorry.
50:29 Caleb Hammer? It's okay. So. Why are you allowing yourself to spend another 400 hours on merch, man? That is your rent. That is potential freedom getting out of Evittville. Yeah, Everettville.
50:41 Speaker 03 Everettville, yeah.
50:42 Caleb Hammer? Yeah, that is your path out.
50:45 Speaker 03 Yeah, because I want it.
50:47 Caleb Hammer? What do you want more, though? I want, I need you to get exposure in life. I need you to have something.
50:54 Speaker 03 Well, it's probably.
50:54 Caleb Hammer? And merch isn't what does it.
50:55 Speaker 03 What is, what are the goals, right? Like right now, I'm just driving myself towards merch, merch, merch, anime figures.
51:01 Caleb Hammer? Exactly, but this is what you're still gonna do.
51:04 Speaker 03 Impulsive desires as opposed to something more solid.
51:07 Caleb Hammer? And you prefer?
51:10 Speaker 03 Impulsive desires at the moment.
51:12 Caleb Hammer? Then why are we having this conversation?
51:14 Speaker 03 Cause that's not sustainable.
51:18 Caleb Hammer? I agree, and I'm telling you what to do, but you're saying no?
51:21 Speaker 03 Yeah. I could try not to purchase for ADO concert. Well, I don't even know, like, what merch would I buy? It's a good question.
51:34 Caleb Hammer? You'd have a good time in Thailand.
51:36 Speaker 03 Nah.
51:38 Caleb Hammer? You'd have a good time in Thailand.
51:39 Speaker 03 Nah, I wouldn't have a good time in Thailand.
51:41 Caleb Hammer? You'd bring one back.
51:43 Speaker 03 Would I know that it's, uh, before I bring one back?
51:46 Caleb Hammer? Huh?
51:47 Speaker 03 Would I know that it's a key before I bring it back?
51:50 Caleb Hammer? Oh, I thought we were going to shoes.
51:52 Speaker 03 But it's Thailand.
51:54 Caleb Hammer? It is Thailand.
51:55 Speaker 03 Yeah.
51:56 Caleb Hammer? Listen, you might get pegged, you might not, I don't know.
52:00 Speaker 03 Yeah. It's Thailand. You know, I think I had a dream that you said that and now you did. It's funny.
52:07 Caleb Hammer? I'm in your dreams.
52:09 Speaker 03 No, well, kinda. I got excited being on the show, you know?
52:13 Caleb Hammer? Oh, okay.
52:14 Speaker 03 Not in that way.
52:15 Caleb Hammer? Okay, I heard the word excited, I gotta, you know, a little nervous.
52:18 Speaker 03 Yeah.
52:19 Caleb Hammer? I've had my toothpaste fill for the day, so.
52:22 Speaker 03 You can back the toothpaste, it's great. Alrighty. I don't care.
52:30 Caleb Hammer? Okay.
52:31 Speaker 03 Yeah.
52:33 Caleb Hammer? It's at a 29.49% interest rate.
52:36 Speaker 03 Yeah, I thought it was like 30%, so.
52:38 Caleb Hammer? Basically, yeah. I don't know. I don't know, hey, you're still gonna go purchase this merch? It's like, what's the point at that point, right?
52:50 Speaker 03 It's not good.
52:53 Caleb Hammer? You gotta talk about this coping skills. If you're impulsive decisions or everything, I need you to start taking care of the coping skills, okay?
53:00 Speaker 03 That might be a thing to talk, I have a therapist right now, but yeah.
53:03 Caleb Hammer? Good, talk about that, okay. And I'll also get you a course career certification if we can find something that gets you a little more in the career field that you want.
53:10 Speaker 03 Okay.
53:11 Caleb Hammer? Quicksilver.
53:12 Speaker 03 Quicksilver.
53:12 Caleb Hammer? What's going on with this? You were not paying off this card. It was a small balance, it's like, oh, okay, he's probably paying this off like the PayPal. No, it's maxed out!
53:19 Speaker 03 Maxed out.
53:20 Caleb Hammer? So what's going on?
53:21 Speaker 03 Like $500.
53:21 Caleb Hammer? Yeah, yeah.
53:25 Speaker 03 I mean, it's the same as the other cards, is what I would say. Uh.
53:30 Caleb Hammer? I'm trying to have a conversation.
53:32 Speaker 03 Yeah.
53:32 Caleb Hammer? What's going on with this?
53:34 Speaker 03 I.
53:35 Caleb Hammer? And your perception?
53:36 Speaker 03 Uh, that one I use for rudders. Cause I have it linked to the counter. It's just really easy to order.
53:41 Caleb Hammer? What is that?
53:41 Speaker 03 Rudders.
53:42 Caleb Hammer? Yeah. What is it?
53:43 Speaker 03 Uh, that's like sheets. Like wah wah.
53:46 Caleb Hammer? So you're going to an alternative to mix it up?
53:49 Speaker 03 Yeah, I can go to sheets every day in the morning.
53:51 Caleb Hammer? You shouldn't go to either, right?
53:53 Speaker 03 No.
53:54 Caleb Hammer? Okay.
53:56 Speaker 03 Yeah. They also have better food and it's cheaper. I probably should go there. Oh, Taco Tuesday. Tacos are half off.
54:04 Caleb Hammer? Okay.
54:04 Speaker 03 Yeah.
54:05 Caleb Hammer? He just finger gunned me.
54:06 Speaker 03 Yeah. That's good breakfast.
54:12 Caleb Hammer? Is that more important than escaping Fayetteville though? I don't think so.
54:16 Speaker 03 No, it's not. You could probably meal prep. I had chicken noodle soup today.
54:19 Caleb Hammer? Yes, meal prep.
54:20 Speaker 03 Easier, yeah.
54:21 Caleb Hammer? You had chicken noodle soup today?
54:22 Speaker 03 Yeah. Handmade.
54:23 Caleb Hammer? There you go. Handmade?
54:25 Speaker 03 Yeah.
54:25 Caleb Hammer? Why are we doing that shit?
54:27 Speaker 03 Egg noodle.
54:27 Caleb Hammer? That's great.
54:28 Speaker 03 Great, yeah.
54:29 Caleb Hammer? Okay, why aren't we doing that?
54:32 Speaker 03 Cheaper, for sure.
54:33 Caleb Hammer? You're learning to cook for your future Taiwanese princess.
54:38 Speaker 03 Yeah, yeah, yeah, that'd be nice.
54:40 Caleb Hammer? Yeah.
54:40 Speaker 03 Yeah.
54:41 Caleb Hammer? Okay.
54:45 Caleb Hammer? It's not a current interest, but you did purchase sixty two dollars and fourteen cents on it.
54:48 Speaker 03 Yeah, and that's probably all rudders, to be honest. Maybe sheets.
54:52 Caleb Hammer? Yeah, sheets, rudders, sheets, sheets.
54:54 Speaker 03 Yeah, taquitos.
54:56 Caleb Hammer? Yes.
54:57 Speaker 03 Yes.
54:58 Caleb Hammer? Okay.
55:04 Speaker 03 Honestly, I didn't understand what taquitos were until like, uh, I sat down and looked at my own.
55:09 Caleb Hammer? Okay.
55:10 Speaker 03 I don't have the physical card for the PayPal either. I do have my Capital One. I don't think I've ever used it physically. Recently, everything's just online transactions, to be honest.
55:17 Caleb Hammer? You have it in like your Apple Wallet?
55:19 Speaker 03 I have it on Capital One.
55:20 Caleb Hammer? Okay, okay, okay, okay, okay. Fucking, you need to delete every fucking app that exists. Ban your co-. Do you go to the office? Yeah, you do.
55:31 Speaker 03 Yeah, I'm an office person, yeah. Mostly I'm in the office, yeah.
55:34 Caleb Hammer? Ban.
55:35 Speaker 03 That's why I have too much time.
55:37 Caleb Hammer? Because you're in the office? That's why you have too much time?
55:40 Speaker 03 I mean, I do, like, there's no.
55:42 Caleb Hammer? Ban passing by sheets on the way to and from work. And cut up your credit cards. And call the banks and close your accounts.
55:55 Speaker 03 Okay.
55:56 Caleb Hammer? What? What's the confusion?
55:58 Speaker 03 I need my bank account.
56:01 Caleb Hammer? No, close your credit card accounts. I'm not saying, no, obviously, yes, keep it, have a checking account, of course. If it's a savings account, of course.
56:09 Speaker 03 Yeah, trust isn't the best, but yeah.
56:12 Caleb Hammer? Bank with whatever, I don't care. It doesn't matter to me.
56:16 Speaker 03 This is...
56:18 Caleb Hammer? If you're at ease of just...
56:20 Speaker 03 Yeah, it's real easy.
56:21 Caleb Hammer? Yes. You need to limit yourself. If I can't, if I can't not keep away from...
56:29 Speaker 03 Amazon.
56:30 Caleb Hammer? Candy.
56:31 Speaker 03 Candy.
56:31 Caleb Hammer? I don't have candy in the house.
56:34 Speaker 03 That is, oh yeah, like if you have something sugary in the house, you're always gonna go get it. Or I, I am, for sure.
56:40 Caleb Hammer? Is an example of why you shouldn't have your credit cards handy.
56:43 Speaker 03 Yeah.
56:45 Speaker 03 Freaking like cake. Yeah, so no, no credit cards. They're like sugar in the house. Or no, no online transactions, they're like sugar in the house.
56:55 Caleb Hammer? Just having the credit cards.
56:56 Speaker 03 Just having them, yeah. Okay.
56:58 Caleb Hammer? You have to take away the things that you can't control.
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57:30 Speaker 03 Cool.
57:32 Caleb Hammer? Right?
57:35 Caleb Hammer? Is this making sense?
57:37 Speaker 03 It, it, it makes a lot of sense, because you know, some things, times the things control you instead.
57:42 Caleb Hammer? And you're being controlled, right?
57:43 Speaker 03 The concept of the meme, I'm being controlled by purchasing things that I don't really want.
57:50 Caleb Hammer? Right?
57:50 Speaker 03 Yeah.
57:51 Caleb Hammer? Okay. Okay.
57:53 Speaker 03 Good, I'm glad we're aligned.
57:55 Caleb Hammer? Yep.
57:59 Caleb Hammer? Yeah, 0% interest rate until...
58:03 Speaker 03 It's probably current interest, I thought.
58:05 Caleb Hammer? No, 0% until something.
58:07 Speaker 03 Okay.
58:10 Caleb Hammer? I can't see where. It might be on the site, though.
58:13 Speaker 03 I won't open my thing. I won't open my thing.
58:17 Caleb Hammer? You can open your thing, you probably just won't find it.
58:18 Speaker 03 Yeah, I won't find it.
58:19 Caleb Hammer? Okay, OneMain Financial, what's going on with this?
58:22 Speaker 03 Um, yeah, so I use, I took out a loan and...
58:27 Caleb Hammer? For why? What do you have in life where you need a 23.49% personal loan?
58:33 Speaker 03 Yeah, that's...
58:33 Caleb Hammer? Oh, it's a 19, $19,054!
58:38 Speaker 03 That's the, uh, that's how much you do if you pay off all the payments. That's not the payoff amount.
58:42 Caleb Hammer? It says that's the balance.
58:44 Speaker 03 Yeah, the payoff amount would probably be...
58:45 Caleb Hammer? Where's your payoff amount?
58:46 Speaker 03 You'd have to call them, their loans...
58:48 Caleb Hammer? Well, I'm gonna say 19,000, because that's what's at least accruing interest.
58:52 Speaker 03 Is it really so they accrue interest on that, not the...
58:55 Caleb Hammer? Yes, that's the balance!
58:56 Speaker 03 Okay.
58:57 Caleb Hammer? That is the balance, and usually the payoff's not that far.
59:00 Speaker 03 No, it is like 12,000. If I pull up Credit Karma, it would say 12,000.
59:05 Caleb Hammer? Credit Karma doesn't know.
59:06 Speaker 03 Okay.
59:07 Caleb Hammer? You're going off of Credit Karma, not them? Credit Karma doesn't know.
59:11 Speaker 03 When I calculate against the interest that came up to like 12,002, I mean...
59:15 Caleb Hammer? Listen, that's the balance subject to interest right now.
59:17 Speaker 03 Okay.
59:18 Caleb Hammer? And you have to pay minimum monthly payment of $381.08. What, what, what did you possibly borrow for and when?
59:27 Speaker 03 Um, right, so I took out, and then there's two other personal loans that you'll get to. And it's for a similar reason.
59:34 Caleb Hammer? What?
59:35 Speaker 03 Yeah, I had like 30 something thousand dollars in savings, uh, back then.
59:40 Caleb Hammer? You borrowed against your savings?
59:42 Speaker 03 No, I lost it all.
59:46 Speaker 03 Gambling.
59:47 Caleb Hammer? Oh, for fuck's sake!
59:49 Speaker 03 Uh, what else was I... Gambling, stock markets, trading.
59:56 Speaker 03 Remember when GameStop happens and people got crazy?
1:00:01 Caleb Hammer? Oh, for fuck's sake, what was the gambling? No, guy.
1:00:05 Speaker 03 You wanna talk about the gambling?
1:00:07 Caleb Hammer? Yes, I just, yes.
1:00:09 Speaker 03 Okay. Yeah, so, I mean, I mean, really, it started with the GameStop stuff. Like, that's sort of gambling when you get into that.
1:00:16 Caleb Hammer? Yeah.
1:00:17 Speaker 03 I know there's a right way to do it. I know there's a right way to do it.
1:00:19 Caleb Hammer? Yeah, you're not doing it. But you can take our investing class for free. We'll put you through it.
1:00:24 Speaker 03 Yeah.
1:00:25 Caleb Hammer? That'll help you.
1:00:25 Speaker 03 But, yes, the gambling, tell me. Yeah, so it started with that, and then, you know, we sort of got into other things. Higher rate of return. Well, it's a social thing, because sometimes people do it at work, too. Uh, but, yeah.
1:00:39 Caleb Hammer? Tell me about the gambling. What were you doing? How much? Over how long?
1:00:42 Speaker 03 Um, I probably lost $60,000 in gambling.
1:00:45 Caleb Hammer? Sixty?
1:00:46 Speaker 03 Yeah.
1:00:46 Caleb Hammer? Sixty over how long?
1:00:48 Speaker 03 Um, since, what was that, the beginning of 2000? I quit two years ago, I think, so, yeah.
1:00:56 Caleb Hammer? Two years ago, you quit?
1:00:58 Speaker 03 Yeah, so that was-
1:00:58 Caleb Hammer? So in two years, you lost $60,000?
1:01:01 Speaker 03 Yes, sir.
1:01:02 Caleb Hammer? And you still have personal? Wait, what are the loans for, though?
1:01:05 Speaker 03 I took out loans, and then I sort of gambled those away. Because I wasn't used to having mon- not having money in my checking account. I worked hard for that, but, yeah.
1:01:20 Caleb Hammer? That's insane.
1:01:22 Speaker 03 Yeah, it's not-
1:01:23 Caleb Hammer? Oh, my god.
1:01:24 Speaker 03 Oh, most of that was within two months, like, $40,000.
1:01:32 Caleb Hammer? What the fuck?
1:01:33 Speaker 03 It's addicting. You can play Black-
1:01:35 Caleb Hammer? It's horrendously addicting, yes.
1:01:37 Speaker 03 You ever play blackjack on your phone?
1:01:39 Caleb Hammer? No.
1:01:39 Speaker 03 Dude, during weddings.
1:01:41 Caleb Hammer? Huh?
1:01:42 Speaker 03 Yeah.
1:01:42 Caleb Hammer? You're doing it during weddings?
1:01:44 Speaker 03 Yeah.
1:01:46 Caleb Hammer? Why specifically?
1:01:47 Speaker 03 That's just what I remember, sir.
1:01:50 Caleb Hammer? You, you, like, were blacking out? That's the only one you remember, is you were at a wedding and you lost $60,000?
1:01:56 Speaker 03 No.
1:01:57 Caleb Hammer? And you took out personal loans for it?
1:01:58 Speaker 03 No, I mean, you can do it. And loans are, too. You can do all that online, too, so it's just real fast.
1:02:06 Caleb Hammer? Oh guy, you live a dangerous life.
1:02:10 Speaker 03 No, that was not, yeah, that was good.
1:02:13 Caleb Hammer? You live a dangerous life, you are beyond addictive personality. I'm an addictive personality too, but you take it to the next level. I'm tism too, but you take it to the next level. It's, you're just, you're the enhanced version of me.
1:02:25 Speaker 03 The bad part is you can be like, good for a vast majority of the day, but if it takes like, I don't know, an hour or 30 minutes.
1:02:33 Caleb Hammer? How much did you lose in GameStop?
1:02:35 Speaker 03 In GameStop? Well, on stocks, I think I have 12,000. On Robinhood, probably 1,200. No, 4,000 on Weibo.
1:02:46 Caleb Hammer? 4,000?
1:02:47 Speaker 03 Yeah.
1:02:49 Speaker 03 I could pull that up.
1:02:50 Caleb Hammer? No, it's okay.
1:02:51 Speaker 03 I screenshot it up.
1:02:52 Caleb Hammer? How much did you lose in total across the board?
1:02:54 Speaker 03 60,000.
1:02:55 Caleb Hammer? It was 60,000 if we combine all of it.
1:02:57 Speaker 03 Yeah.
1:02:58 Caleb Hammer? Two years ago.
1:02:58 Speaker 03 I consider that gambling. Yeah, two years ago I stopped. Well, I did, I have gambled a bit on ESPN bet. I thought it was a good.
1:03:06 Caleb Hammer? What? Tell me.
1:03:08 Speaker 03 $600 since, I don't know, mid last year.
1:03:12 Caleb Hammer? Oh, he's picking it back up. Don't, you're gonna get into sports betting. Oh, this will go down so hard, knowing you and what you've done. Listen, you took out personal, it's the only reason you haven't bet more than $600. Let's be honest, is because you literally couldn't get access to it.
1:03:25 Speaker 03 Yeah, I did lose, I did lose a lot of that 60,000 from sports betting, to be honest.
1:03:29 Caleb Hammer? Oh, so let's get into ESPN betting, right?
1:03:32 Speaker 03 Yeah.
1:03:33 Caleb Hammer? No, Mike, I, there is no independence if you're doing this.
1:03:37 Speaker 03 No.
1:03:38 Caleb Hammer? What was your living situation two years ago when you stopped? And four years ago when you started?
1:03:43 Speaker 03 Four years ago, I was living with my parents.
1:03:45 Caleb Hammer? And did they know this was happening?
1:03:48 Speaker 03 They didn't know it was this bad.
1:03:51 Caleb Hammer? What did they think?
1:03:53 Speaker 03 They thought I had a problem. But they didn't know it was this bad until I called them one time when I was working.
1:04:00 Caleb Hammer? And tell me about it.
1:04:02 Speaker 03 The bottoms fall out.
1:04:04 Caleb Hammer? That's what you told them.
1:04:06 Speaker 03 Pretty much.
1:04:07 Caleb Hammer? You told them that the bottom has fell out.
1:04:08 Speaker 03 Yeah.
1:04:09 Caleb Hammer? What did, what the fuck would they think that means?
1:04:12 Speaker 03 I, well, that's not exactly what I said.
1:04:14 Caleb Hammer? Yeah, tell me about the conversation. Cause this is insane. This is $60,000. It's almost as much money as you fucking have made.
1:04:20 Speaker 03 It's, it's my parents. You know, the first thing they think of is, okay, how can we help? What, what's, what's the problem? We'll have to look into it some better, have a better conversation about. They, they know it was devastating. I didn't understand how devastating it was at the time. So.
1:04:32 Caleb Hammer? Can I tell you how devastating it was?
1:04:34 Speaker 03 How?
1:04:37 Caleb Hammer? Two years ago, you're 26.
1:04:41 Caleb Hammer? That is 39 years until 65, when many people retire.
1:04:45 Speaker 03 65 is retirement.
1:04:46 Caleb Hammer? Correct?
1:04:47 Speaker 03 Good.
1:04:48 Caleb Hammer? Are we aligned so far on that?
1:04:50 Speaker 03 Yeah, I got you.
1:04:51 Caleb Hammer? If that $60,000 was in the S and P 500, which averages a 10% annual return, up years, down years combined since the start,
1:05:00 Caleb Hammer? it would have been worth, and this is what you've lost.
1:05:03 Speaker 03 Yes.
1:05:04 Caleb Hammer? 2.916 million dollars. You lost $3 million because you chose to throw away your money on sports betting, meme stocks, instead of just investing in the overall marketplace or any other kind of investing strategy. Again, there are so many that do work. That's not the only one that works, but that is good for just the average person.
1:05:29 Speaker 03 Yeah, technically it's worse than that because then I took out my, then occurring interest. So, yeah. If you think about it.
1:05:35 Caleb Hammer? Oh, me.
1:05:37 Speaker 03 Yeah.
1:05:38 Caleb Hammer? Buddy.
1:05:41 Caleb Hammer? That's insane. So, since last year, you have still sports betted hundreds.
1:05:50 Speaker 03 Yeah, six, I've lost, I think, 600.
1:05:58 Caleb Hammer? You got into Russian table tennis, they're telling me?
1:06:02 Speaker 03 Oh yeah, the Russian table tennis.
1:06:04 Caleb Hammer? Betting on Russian table tennis?
1:06:05 Speaker 03 Yeah, that was a weird one.
1:06:09 Caleb Hammer? What are you talking about, dude? What are you doing?
1:06:14 Caleb Hammer? Uh, did you get banned from anything?
1:06:18 Speaker 03 Oh yeah, I got banned from, uh, what was it called? DraftKings.
1:06:22 Caleb Hammer? You got banned from DraftKings?
1:06:24 Speaker 03 Yeah, I used a VPN in New York to go to Pennsylvania.
1:06:30 Speaker 03 That was a bad one too, because that was a good game.
1:06:31 Caleb Hammer? Matt, none of this, none of these are good ones.
1:06:34 Speaker 03 That's a hill, buddy.
1:06:37 Speaker 03 I don't know if you watch NFL.
1:06:38 Caleb Hammer? Is this is why people have broken up with you? Cause this would be a good reason.
1:06:42 Speaker 03 No, but it doesn't, it's not.
1:06:46 Speaker 03 I think, oh, well, actually, I don't know if that affected anything. Cause I've been pretty honest with them about it, so.
1:06:53 Caleb Hammer? And?
1:06:55 Speaker 03 Nobody likes it.
1:06:56 Caleb Hammer? Yeah, no shit. It wouldn't make people stay.
1:06:57 Speaker 03 No, they usually say, well, as long as you're not like that anymore. Change your ways.
1:07:02 Caleb Hammer? You are, you are still sports betting.
1:07:04 Speaker 03 Yeah.
1:07:06 Caleb Hammer? So you are still like that anymore?
1:07:08 Speaker 03 It's tough when everybody in the office does it.
1:07:11 Caleb Hammer? Oh, fuck me, man. What's your relationship with people like at work?
1:07:15 Speaker 03 Great, I love people at work.
1:07:17 Caleb Hammer? Yeah?
1:07:18 Speaker 03 Yeah.
1:07:18 Caleb Hammer? They like it too, you guys are friendly, everything's good.
1:07:20 Speaker 03 Yeah.
1:07:22 Caleb Hammer? And I want that for you, I want that, that's so good.
1:07:25 Speaker 03 We talk breakfast every Friday.
1:07:26 Caleb Hammer? Okay, fuck, they just told me. And who owns your business?
1:07:31 Speaker 03 Uh, my dad owns it with his partner.
1:07:35 Caleb Hammer? You've never done anything independently?
1:07:38 Speaker 03 I mean, I, yeah, I think about that. But I work hard.
1:07:44 Caleb Hammer? I'm not saying you don't, buddy, but it wasn't you got this job because you got a job out of school and you're not using math degrees, you got a job because of daddy.
1:07:55 Caleb Hammer? You got a house because of mommy.
1:07:56 Speaker 03 I mean, but I feel responsible to stay there, you know, I don't want to leave them.
1:08:01 Caleb Hammer? No.
1:08:01 Speaker 03 Like, at work, I mean.
1:08:03 Caleb Hammer? No.
1:08:04 Speaker 03 Okay.
1:08:05 Caleb Hammer? I bet you your parents would celebrate if you became independent. Not celebrate as yay, we got rid of them. I'm not saying that. Celebrate because they're seeing their son become, going from like an immature boy to a man.
1:08:17 Speaker 03 Yeah.
1:08:18 Caleb Hammer? This is something they would want to see.
1:08:21 Speaker 03 True.
1:08:21 Caleb Hammer? And they feel, listen, they've coddled you a lot, and it's because you're socially awkward, and that's okay. You have autism and ADHD.
1:08:30 Speaker 03 I do worry about that. Like, I don't know why they're coddling me.
1:08:32 Caleb Hammer? Well, it's because of that. And because of that, they are holding you, and that is not allowing you to actually go out. And listen, they would celebrate if you went out and you were an adult. But they're also probably, they're so used to coddling you that they're afraid to not, and they're just enabling you. They're enabling you. They enable the gambling, they're enabling you, they're giving you a job, they're giving you a place to live. They're enabling you not paying your rent on time, and then mom puts money in the checking account. So it further enables you to gambling and go into sheets and spending money on something you don't have. And now you have a 23.49% interest loan at a balance of $19,054, minimum payment of $381.08
1:09:16 Caleb Hammer? for your past gambling. So now you're paying for your past gambling with personal loans.
1:09:23 Speaker 03 Yeah, and that's against my car, too.
1:09:25 Caleb Hammer? Huh?
1:09:26 Speaker 03 Yeah.
1:09:27 Caleb Hammer? Really? This is against the title?
1:09:29 Speaker 03 Yeah.
1:09:30 Caleb Hammer? Of your vehicle?
1:09:31 Speaker 03 Yeah, it was collateral.
1:09:35 Caleb Hammer? Oh, we've never had that.
1:09:37 Speaker 03 Really?
1:09:39 Caleb Hammer? This is new.
1:09:41 Speaker 03 Yeah, I didn't really understand how bad that was. They really don't explain that to you.
1:09:46 Caleb Hammer? Why don't they explain, here's a bad product, why don't you please take it?
1:09:49 Speaker 03 Yeah, true.
1:09:50 Caleb Hammer? That's not how, I mean, come on.
1:09:55 Speaker 03 That was credit karma again.
1:09:56 Caleb Hammer? You lost your savings in two months?
1:09:58 Speaker 03 Pretty much.
1:09:59 Caleb Hammer? Two months. Okay, so it had to have been more than $60,000, because you lost $50,000 in savings, right?
1:10:05 Speaker 03 I had $30,000 in savings.
1:10:07 Caleb Hammer? $30,000 in savings, and now you have how much in debt because of it? This is 20.
1:10:10 Speaker 03 I have at least 50,000. We have to make sure that's accurate, but yeah.
1:10:17 Speaker 03 I think like 24,000 of bad debt, but probably more because of the 7,000 difference between what we have on the cap on the one me.
1:10:25 Caleb Hammer? What is your parents' knowledge of the numbers around this and how much you lost and how much in debt you have because of it?
1:10:31 Speaker 03 I don't think they comprehend how bad it is.
1:10:34 Caleb Hammer? Call your dad right now.
1:10:35 Speaker 03 I could.
1:10:36 Caleb Hammer? I want, no, no, before you do, call him, like, hey dad, I have something to confess to you. I just want to get this off my chest. I lost $30 in savings when I lived with you for gambling. And I gained another 20 to 30,000 dollars in high interest debt for the gambling. And I am still gambling and I'm struggling with it. Cause you still are. People ask me all the time, Caleb, how do I turn my wild video ideas into something watchable? And until now, I'd say, good luck, learned to edit, or spend a ton of money. But now, enter in video AIV3. This thing lets you create full-length videos from scratch just by typing.
1:11:17 Caleb Hammer? No timeline, no software gymnastics, just type something like, make a one-minute funny cinematic video about how people deal with their finances and boom.
1:11:25 Speaker 01 I'm a Sarah, just your average person trying to, you know, adult and stuff. Finances? Yeah, I've got those somewhere.
1:11:34 Caleb Hammer? You've got a cinematic sequence in minutes. You want to tweak it? Just say, add my voice or make it funnier. It's like texting your editor, only faster and cheaper. And unlike clunky traditional tools that make you feel like you need a film degree, inVideo puts you in the director's seat. Your vision, their horsepower. And yeah, you can even clone your voice so every video sounds just like you. Spooky? Maybe. Cool? Definitely. Try inVideo AI for free. Save your time, your budget, and your sanity. Can you do that?
1:12:03 Speaker 03 Should I be a speaker or what should I be?
1:12:04 Caleb Hammer? Speaker phone and put the speaker here.
1:12:07 Caleb Hammer? Put the speaker here. Speaker here.
1:12:09 Speaker 03 Here? I don't understand.
1:12:10 Caleb Hammer? Where's the speaker? Put it here.
1:12:12 Speaker 03 I don't know where the speaker is.
1:12:13 Caleb Hammer? It's at the bottom, probably.
1:12:15 Speaker 03 Okay. Oh, that makes sense.
1:12:17 Speaker 05 Hello?
1:12:18 Caleb Hammer? Hey.
1:12:21 Caleb Hammer? How are you? What's up?
1:12:23 Speaker 05 How'd your day go?
1:12:24 Caleb Hammer? That's good. I'm on the thing right now.
1:12:29 Speaker 05 You're still there now?
1:12:30 Caleb Hammer? Yeah, I was told to call you.
1:12:33 Speaker 05 Oh yeah, I'm on the podcast right now.
1:12:35 Caleb Hammer? Yeah, kinda.
1:12:39 Speaker 03 Yeah, I was told to tell you that I have, uh, I accrued, I had thirty thousand dollars in savings. I lost it all and I accrued twenty thousand dollars of bad debt.
1:12:49 Caleb Hammer? Why?
1:12:50 Speaker 03 Because I was gambling and I'm still gambling, like six hundred, I lost six hundred dollars since December.
1:12:57 Speaker 05 Not good.
1:12:58 Speaker 03 No, it's not good.
1:13:01 Caleb Hammer? So you're struggling, you need help with it.
1:13:03 Speaker 03 Well, I'm struggling.
1:13:04 Caleb Hammer? You're struggling, you need help with it.
1:13:06 Speaker 03 I'm struggling with it.
1:13:10 Speaker 05 Yeah, I know you are.
1:13:13 Speaker 03 Yeah.
1:13:16 Speaker 05 Whatever, you know, we've always, our door's open. What do we gotta do to help you?
1:13:20 Speaker 03 I got you. I don't think that's the best. It's kind of coddling.
1:13:28 Speaker 05 Well, not necessarily we're gonna bail you out. We just,
1:13:31 Speaker 03 I know.
1:13:32 Speaker 05 What you need, what you need to succeed, you know?
1:13:34 Speaker 03 I got you.
1:13:38 Speaker 03 But yeah. Uh, I think I'll continue with this. Thanks.
1:13:44 Speaker 05 All right. Well, give us a call when you're out.
1:13:46 Speaker 03 I will. Yeah, no problem. Right.
1:13:48 Speaker 05 See ya.
1:13:51 Caleb Hammer? So it is not good. Listen, they want to help. They're not helping.
1:13:56 Speaker 03 He grew up very poor. Uh, he helps out his parents.
1:13:59 Caleb Hammer? So he's making almost a repeated cycle then by not helping you?
1:14:04 Speaker 03 By helping me.
1:14:05 Caleb Hammer? He's thinking he's helping, but he's harming.
1:14:07 Speaker 03 Oh, okay. I got you. Yeah.
1:14:09 Caleb Hammer? Do you disagree?
1:14:11 Speaker 03 No, I didn't understand.
1:14:11 Caleb Hammer? Look what they're doing. Listen, his reaction to you losing fifty thousand dollars and twenty thousand of it being in debt was, that's not good.
1:14:20 Caleb Hammer? I'm not saying he needs to blow up and slap you through the phone, but come on.
1:14:24 Speaker 03 That was my reaction too. It's not good.
1:14:26 Caleb Hammer? Yeah, but you're autistic.
1:14:28 Speaker 03 I got you.
1:14:29 Caleb Hammer? I don't know about him.
1:14:30 Speaker 03 I don't think he is. No, he's pretty social.
1:14:32 Caleb Hammer? Okay, so it's.
1:14:40 Caleb Hammer? Yeah, go ahead.
1:14:43 Caleb Hammer? I don't know, man. I'm afraid they're just fully enabling you. Let's move on.
1:14:49 Speaker 03 Okay.
1:14:50 Caleb Hammer? I, I, I.
1:14:50 Speaker 03 I don't know if they're enabling me because I don't know what the norm is, so.
1:14:54 Caleb Hammer? The norm is you don't work for your dad, your mom doesn't put money in your account at 28, and they don't pay for the roof over your head by a subsidized thing. And you're also, uh, not having them bail you out at every single moment.
1:15:05 Speaker 03 Yeah, but they, they helped out my sister and she's successful.
1:15:07 Caleb Hammer? Doesn't matter, doesn't matter. And listen, some people can be successful, but look, it's not working for you. You're 28, not 18. This has been proven not to work for you for a decade of adulthood.
1:15:19 Speaker 03 Yeah. I mean, I was doing good in school.
1:15:22 Caleb Hammer? School, but that's something completely different. School and real life are so different.
1:15:26 Speaker 03 They are, they are.
1:15:27 Caleb Hammer? School's coddled. You're in little boxes.
1:15:30 Speaker 03 It is coddled. I hated how slow we went and stuff like that, but yeah.
1:15:33 Caleb Hammer? I did. You're Rain Man, we all know.
1:15:37 Speaker 03 Okay.
1:15:38 Caleb Hammer? Genius Bank?
1:15:39 Speaker 03 Chinus, or I don't know how to pronounce it, to be honest. That was another one. That was completely online.
1:15:44 Caleb Hammer? Uh, but it's an 18.99% interest rate. Listen, oh, you finance $5,000. Uh, the interest charged throughout is going to be $2,174.19 if you don't pay it off early.
1:15:55 Speaker 03 So it's like 50%.
1:15:56 Caleb Hammer? Yeah, what's the balance now?
1:15:57 Speaker 03 Um, like 4,000.
1:15:59 Caleb Hammer? 4,000, minimum monthly payment, 148. I don't know how you're going to pay these, these stacks so much. And which means good luck, you're never going to pay them off in, uh, early, which means you're going to pay that total $2,174.19 of interest. You're going to make them so much money.
1:16:15 Caleb Hammer? You make the gambling money, you make the other people on the other side of the bet money, you make the bank's money, you make the credit card companies money?
1:16:23 Caleb Hammer? Ah, buddy, okay, what's this for? I borrowed 5,000 for what?
1:16:28 Speaker 03 Uh, like I said, it was the same thing. I didn't have money in my checking account.
1:16:31 Caleb Hammer? Well, so far, if we lost 30,000 there, we're at at least 50,000, 55,000.
1:16:36 Speaker 03 It's going in decreasing order. It's going in decreasing, like, uh.
1:16:40 Caleb Hammer? Yeah, but currently we're at 55,000 hour total for the money lost to gambling. If we're taking the 30,000, you're saving 20,000 from previous, 5,000 for this.
1:16:48 Speaker 03 Yeah.
1:16:48 Caleb Hammer? So we're over that 50 already and you're saying there's more?
1:16:51 Speaker 03 It's 60, but yeah.
1:16:52 Caleb Hammer? Huh? We're at 60?
1:16:53 Speaker 03 No, I said 60.
1:16:55 Caleb Hammer? You said 60 earlier?
1:16:56 Speaker 03 Yeah.
1:16:56 Caleb Hammer? Okay, sorry. And we have 5,000 to go to get to it.
1:16:59 Speaker 03 Yep.
1:17:00 Caleb Hammer? I'm so gambling. Can you delete these apps, please?
1:17:04 Speaker 03 I've
1:17:04 Caleb Hammer? Well, hey, your dad's the boss, right?
1:17:07 Speaker 03 I put myself in a
1:17:08 Caleb Hammer? Your dad's the boss, right?
1:17:09 Speaker 03 Yeah.
1:17:09 Caleb Hammer? If he's the boss, have a frank conversation that you're struggling with this because of work and see if he can just ban it from work.
1:17:17 Speaker 03 Yeah.
1:17:18 Caleb Hammer? I mean, I don't know if I want to do that.
1:17:19 Speaker 03 I know that's hard because it's a social thing. You don't want to take it from other people. But it would be great. He doesn't say why. He doesn't say why. Maybe he can go in there and be like, hey. Very relaxed at work and
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1:18:00 Caleb Hammer? I know, and we are here too, but if someone was dealing with a, I don't know, um.
1:18:08 Caleb Hammer? Yeah, but we would have here to begin with.
1:18:11 Speaker 03 That's what you think, but then it creeps up on you.
1:18:14 Caleb Hammer? It does?
1:18:14 Speaker 03 I don't, I don't know.
1:18:16 Caleb Hammer? Okay. Hasn't creeped on up on me yet.
1:18:19 Speaker 03 Okay, gotcha.
1:18:20 Caleb Hammer? I don't know. If someone had a severe gambling addiction here and people were gambling out in the foyer, I'd be like, hey, can we just like, just take this outside?
1:18:29 Speaker 03 Just take, I mean,
1:18:30 Caleb Hammer? Go downstairs.
1:18:30 Speaker 03 Don't talk about it.
1:18:31 Caleb Hammer? Don't talk about it.
1:18:32 Speaker 03 Because it's sports.
1:18:34 Caleb Hammer? I know it's hard. It is difficult.
1:18:36 Speaker 03 Yeah.
1:18:37 Caleb Hammer? But the fact is, you're struggling with it. You are addicted.
1:18:39 Speaker 03 Sports, I'm in a rural area. All you talk, do is talk about hunting and sports.
1:18:42 Caleb Hammer? You need to leave. We've established that. But two, ye, I don't know. You're addicted. Like you just, if you're a drinker, you shouldn't go to a bar. You're addicted to sports gambling and everyone around you gambles sports. I'm not, I don't want to take you away from them socially. I really don't. This is the complicated part of it. Maybe someone has some better advice in the audience. Maybe therapist has some good advice and this is not popping in my head right now. Because, you know, this is live, you and me.
1:19:06 Speaker 03 Trying to block it out, I guess, would be.
1:19:09 Caleb Hammer? That's harder, but
1:19:10 Speaker 03 Yeah.
1:19:11 Caleb Hammer? coping mechanisms can be very powerful. You'll have to work with your therapist on that. And you lost your money gambling, so you're borrowing some of these to pay your bills too?
1:19:21 Speaker 03 Uh, I mean, I was
1:19:23 Caleb Hammer? What bills? You're living with your family.
1:19:25 Speaker 03 I was pretty much borrowing it to, uh, cause I didn't have money in my checking account. And then I gambled it away. That's what happened. I don't know how I can.
1:19:34 Caleb Hammer? Okay. You stopped two years ago, but now you started back up. What made you stop? And now you're starting to back up again.
1:19:39 Speaker 03 It's definitely ramped down a lot.
1:19:41 Caleb Hammer? So it never stopped at ramp.
1:19:43 Speaker 03 It's ramped down a lot. It's, it's not as bad as it used to be.
1:19:46 Caleb Hammer? But that means it can rebound so easily. You have no idea.
1:19:48 Speaker 03 Like I put myself in exclusion for one Fanduel, which was mainly what I was using for, I forget. I think it was like a year or something, two years.
1:19:57 Caleb Hammer? Oh, the amount of sponsorship requests we get from them. Let me tell you, I only take good sponsors.
1:20:02 Speaker 03 Yeah. But I mean, that's pretty much why it stopped. I can't use that account anymore.
1:20:06 Caleb Hammer? Oh, so once you find a way, it'll ramp back up.
1:20:11 Speaker 03 Yeah.
1:20:11 Caleb Hammer? Cause it's been forcefully taken from you. Does anyone at work know this?
1:20:14 Speaker 03 I stopped for months and then I found the SPM bet. Does?
1:20:18 Caleb Hammer? Does anyone at work know this?
1:20:20 Speaker 03 Know that I have exclusion of.
1:20:22 Caleb Hammer? This struggle and yes, the exclusion.
1:20:24 Speaker 03 I think they can relate.
1:20:26 Caleb Hammer? People have lost $60,000 there?
1:20:28 Speaker 03 I don't know. Not that much, but they've lost a lot. Nobody wins.
1:20:35 Speaker 03 Some people break even.
1:20:38 Speaker 03 I mean, it's like, it's like what my one friend says, as soon as you win something on gambling, that's cursed money.
1:20:43 Caleb Hammer? Okay. This next one you borrowed, come on, 4,500. So boom, that takes us to the 60.
1:20:48 Speaker 03 Yeah.
1:20:48 Caleb Hammer? What's the current balance on this? I think this is upstart.
1:20:51 Speaker 03 Yeah, probably like 3,800.
1:20:53 Caleb Hammer? Okay. 1,800 with a minimum monthly payment of $121.32. Again, I don't know how we afford these minimums. Is this the same thing? Same time?
1:21:06 Speaker 03 Yep.
1:21:07 Caleb Hammer? Same chaos?
1:21:08 Speaker 03 Yep. That was the first one. Um, you know, the interest rates get worse because you're taking on more.
1:21:11 Caleb Hammer? Uh, you took out the previous loan, the Genius loan, because it was deposited. Next day you immediately essentially lost it and had to go into a brick and mortar, one main to get this.
1:21:21 Speaker 03 Yeah. Yeah. I went from, it went upstart, Genius, then one main, upstart and Genius were all completely online. I found one main because of, but I had to go online with that one or I had to go.
1:21:30 Caleb Hammer? What is that? Not a sign.
1:21:33 Speaker 03 It is a sign. Hey, I had other ones too. They were pretty bad.
1:21:38 Caleb Hammer? I had.
1:21:39 Speaker 03 Yeah.
1:21:39 Caleb Hammer? Why had?
1:21:40 Speaker 03 I paid them off.
1:21:40 Caleb Hammer? Versus have. Okay. Why aren't these? No, no dad here has been made progress on that we have. Well, it's because anime has become the new fixation.
1:21:49 Speaker 03 Yeah.
1:21:49 Caleb Hammer? It's gambling to anime. And I think that's what we were gonna talk about when we were talking about hobbies, gambling and anime.
1:21:54 Speaker 03 Yeah. Well, I mean, at least I went from gambling to something that's better.
1:21:59 Caleb Hammer? It is better, but it is clear you get hyper fixated.
1:22:02 Speaker 03 Yeah.
1:22:03 Caleb Hammer? And then you, like, you don't care about the consequences.
1:22:06 Speaker 03 Yep.
1:22:06 Caleb Hammer? Like, okay, now we have goon cave. Great, but...
1:22:09 Speaker 03 That's why my friends were supportive of that, because at least it's not gambling, but it's...
1:22:13 Caleb Hammer? Which I agree, but listen, replacing one addiction with another is not good. And you need to work on this with your therapist, and if your therapist is fully just enabling you, which some therapists do, then we need to try to find another therapist.
1:22:23 Speaker 03 Maybe find a good addiction.
1:22:25 Caleb Hammer? Yeah.
1:22:25 Speaker 03 Yeah.
1:22:26 Caleb Hammer? Whatever we can do.
1:22:27 Speaker 03 Wellness. Sure. Math.
1:22:30 Caleb Hammer? Oh, we have you type this in. Oh, sake, what is this? Oh, that's right, because I did see that earlier.
1:22:36 Speaker 03 Yeah, that's wrong.
1:22:37 Caleb Hammer? I owe $20,000 loosely to parents that they have given me the past two years.
1:22:44 Speaker 03 Yeah, it's, it's more like, uh...
1:22:46 Caleb Hammer? I feel like you and World of T-shirts would create like a nuclear explosion if we put you guys across from each other.
1:22:51 Speaker 03 I added up all the Venmo transfers she sent me, because she's like, "Oh, yeah, you'll have to pay this off later." It's $6,800.
1:22:58 Caleb Hammer? Oh, wow. Okay, if we have wrong information than you, then yes, our math's gonna be wrong.
1:23:02 Speaker 03 Yeah, yeah.
1:23:02 Caleb Hammer? How'd you get that? How'd you give us $20,000 to $6,000?
1:23:04 Speaker 03 Because I thought it was like $20,000. I never added them up.
1:23:07 Caleb Hammer? Oh, for sake. Okay, so $6,000, how much?
1:23:09 Speaker 03 $800.
1:23:10 Caleb Hammer? Okay, so $6,800 owed to the parents, though.
1:23:12 Speaker 03 Yeah.
1:23:14 Caleb Hammer? What's their plan with this? What conversations have been had?
1:23:17 Speaker 03 Pay that wall.
1:23:18 Caleb Hammer? None, none, really. Huh?
1:23:21 Speaker 03 None, really.
1:23:21 Caleb Hammer? What have you, how long? Over how long has it been? $6,400, $800?
1:23:25 Speaker 03 Like, two years. Something like that.
1:23:28 Caleb Hammer? It's gonna continue, though. She's gonna bring money into your chicken.
1:23:30 Speaker 03 It was in December, so...
1:23:31 Caleb Hammer? Okay, your dad's successful in the business?
1:23:34 Speaker 03 Yeah, relatively.
1:23:35 Caleb Hammer? And your mom?
1:23:36 Speaker 03 Uh, she doesn't work.
1:23:37 Caleb Hammer? Okay, and they're still married?
1:23:39 Speaker 03 Yeah.
1:23:39 Caleb Hammer? Okay.
1:23:42 Caleb Hammer? So you're just spoiled, coddled, to your own detriment.
1:23:48 Caleb Hammer? Ask mom to get off your checking account. I need you to overdraft and feel the consequences of your actions.
1:23:53 Speaker 03 I have overdrafted.
1:23:55 Caleb Hammer? And have you felt the consequences of your own actions?
1:23:58 Speaker 03 It's not good. I don't like overdrafting.
1:24:03 Caleb Hammer? I need to get her off.
1:24:05 Speaker 03 Okay.
1:24:05 Caleb Hammer? Can you call her and ask if she can get off?
1:24:07 Speaker 03 Do you want me to call?
1:24:07 Caleb Hammer? Yeah, and ask if she can get off from your... You don't want her on your checking account anymore. This is what I want you to say. I don't like how you said it to your dad.
1:24:15 Speaker 03 I'm sorry.
1:24:16 Caleb Hammer? No, it's okay.
1:24:16 Speaker 03 I tried to do this.
1:24:17 Caleb Hammer? Hello, mother.
1:24:19 Speaker 03 What?
1:24:20 Caleb Hammer? My finances are bad. You keep bailing me out. Can you please get off my checking account?
1:24:24 Speaker 03 Okay.
1:24:25 Caleb Hammer? That's what you need to say.
1:24:26 Speaker 03 Just say that. Hello, mother. That's funny. How did you know I call her mother?
1:24:30 Caleb Hammer? I know you.
1:24:36 Speaker 03 I'm surprised if she answers.
1:24:38 Caleb Hammer? She doesn't answer very often?
1:24:40 Speaker 03 No, she might be busy with the dogs.
1:24:42 Caleb Hammer? With dogs?
1:24:43 Speaker 03 She's like, well, my sister's dogs are there now. There's just five dogs.
1:24:50 Caleb Hammer? You can double call. Send her a text as well.
1:24:53 Speaker 03 I'll send her a text. Maybe call me back.
1:24:57 Caleb Hammer? Yeah, text asking to call back and then make sure you have notifications on.
1:25:02 Speaker 03 Yeah, I'll get it.
1:25:04 Caleb Hammer? Okay, student loans. You went for math.
1:25:06 Speaker 03 Yes.
1:25:08 Caleb Hammer? Why didn't we go into like engineering or something?
1:25:10 Speaker 03 I started out in aerospace engineering, but I failed physics because like
1:25:14 Caleb Hammer? Well.
1:25:15 Speaker 03 It was a really bad... They didn't understand my joke, so I failed the exam.
1:25:22 Caleb Hammer? Please do tell.
1:25:24 Speaker 03 I wrote gnomes for, I can't remember exactly what it was.
1:25:29 Caleb Hammer? No, no, no. Tell us the jokes. Full context.
1:25:32 Speaker 03 I, see, I only remember parts of the context.
1:25:35 Caleb Hammer? Well, try to remember.
1:25:36 Speaker 03 I was really pissed at him and it just made me drop the entire thing because I'm like, sciences are not for me if people are like this.
1:25:44 Caleb Hammer? Try to tell me the joke the best you can.
1:25:46 Speaker 03 Um, right. So when he was doing his lessons, he mixed up the, um, was it called the units? For something and wrote gnomes. So then I did that on the exam, pretty much. And, uh,
1:25:58 Caleb Hammer? Why would you joke on an exam?
1:26:01 Speaker 03 That was funny.
1:26:02 Caleb Hammer? It's an exam.
1:26:05 Speaker 03 He marked everyone wrong, though.
1:26:07 Caleb Hammer? Huh?
1:26:08 Speaker 03 He marked them wrong.
1:26:09 Caleb Hammer? Wait, how many times did you say gnomes?
1:26:11 Speaker 03 Like that, that was the whole exam. Like anytime there's gravity, I think it was gravity, but that's not make sense.
1:26:15 Caleb Hammer? Cause you just put gnomes on every answer?
1:26:18 Speaker 03 No, like, like that's the units.
1:26:21 Caleb Hammer? Yeah.
1:26:22 Speaker 03 Yeah.
1:26:23 Caleb Hammer? And you put?
1:26:24 Speaker 03 Well, I had the right number.
1:26:26 Caleb Hammer? But they marked you wrong on every question?
1:26:28 Speaker 03 When I put it, yeah.
1:26:30 Caleb Hammer? Did you bring it up to him and tell him why?
1:26:33 Speaker 03 I brought it up to him. He wasn't listening to me. He didn't like me.
1:26:36 Caleb Hammer? Okay. Well, student loans you owe.
1:26:39 Speaker 03 Into math.
1:26:41 Caleb Hammer? Huh?
1:26:41 Speaker 03 So I went into math.
1:26:43 Caleb Hammer? Twenty seven thou-, yeah, but it's not working out. Twenty seven thousand, four hundred, twenty four dollars and eight cents.
1:26:47 Speaker 03 Yep, that's accurate.
1:26:49 Caleb Hammer? Okay, thank you. And do you have minimum monthly payments?
1:26:52 Speaker 03 Um, yeah.
1:26:54 Caleb Hammer? What's your minimum payment student loans?
1:26:58 Speaker 03 I don't understand how these payments work because, I mean, I would have paid them.
1:27:02 Caleb Hammer? What payment plan are you on?
1:27:03 Speaker 03 I don't think I'm on any payment plan right now.
1:27:05 Caleb Hammer? So traditional, you didn't select the payment plan?
1:27:07 Speaker 03 I was on a payment plan.
1:27:08 Caleb Hammer? What was your payment plan that you were on?
1:27:10 Speaker 03 It was like four hundred, four twenty, something like that.
1:27:15 Caleb Hammer? Really? No, I, your traditional would probably be like three hundred.
1:27:18 Speaker 03 Three hundred? Okay. Three eighty-four. No, that's the, that's the one I'm in. Sorry, I'm losing it.
1:27:23 Caleb Hammer? Why? Are you okay?
1:27:25 Speaker 03 I'm okay.
1:27:26 Caleb Hammer? I mean, I see accruing interest that is happening.
1:27:28 Speaker 03 Yeah, it's probably fifty.
1:27:29 Caleb Hammer? Are you not making minimum monthly payments right now?
1:27:31 Speaker 03 I'm just doing two hundred right now. I'm not on a payment plan and I don't understand why it won't let me on a payment plan. It's very annoying.
1:27:37 Caleb Hammer? It's advantage. Just contact them.
1:27:39 Speaker 03 Okay.
1:27:40 Caleb Hammer? I'm gonna say your minimum monthly payment is, well, two, if you're saying it's two hundred, then, I don't know. I mean, interest is accruing for what it's worth.
1:27:47 Speaker 03 Two hundred will be the interest. That's why I was doing two hundred every month.
1:27:50 Caleb Hammer? Okay, your minimum monthly payment, once you get on the traditional, listen, there are some weird things with the safe plan and everything.
1:27:56 Speaker 03 Yeah.
1:27:56 Caleb Hammer? But, um,
1:27:58 Speaker 03 That might be a, some weird things.
1:28:00 Caleb Hammer? I'm gonna mark it as three hundred. You need to contact them. I don't want interest accruing when you are not paying, okay? It's like the horrendous loans that just want you to do a minimum monthly payment until they're paid off in the traditional 10 year program.
1:28:12 Speaker 03 Gotcha. You don't want me to focus on paying them off if I.
1:28:16 Caleb Hammer? You have 30% debt on the other side. I mean, I don't want you to focus on paying off student loans.
1:28:20 Speaker 03 I mean afterwards.
1:28:21 Caleb Hammer? Yeah, maybe. They're at 4.7%. I want you to, how much is in your retirement?
1:28:25 Speaker 03 Um, I, well, actually I'm talking, I'm talking to him next week.
1:28:30 Caleb Hammer? Who?
1:28:30 Speaker 03 Uh, the 401k guy. I've never talked to him.
1:28:34 Caleb Hammer? Okay, so an admin that manages that for you? Okay.
1:28:37 Speaker 03 It's, I think it's, it's definitely over 20,000, but I can't say much more than that.
1:28:40 Caleb Hammer? Wait, do you owe on your car?
1:28:42 Speaker 03 Uh, well, it was used as a, it was used as collateral. They took over the loan.
1:28:47 Caleb Hammer? Oh, okay.
1:28:48 Speaker 03 Yeah.
1:28:49 Caleb Hammer? The value of it is 17,400, 17,400 is what we're getting. Go on about the 401k. So you have nothing to retire?
1:28:56 Speaker 03 I, I have at least, I mean, I put into 401k. I have at least 20,000 is what I remember from my last statement. I just don't know what it actually is.
1:29:04 Caleb Hammer? So weird. So weird.
1:29:07 Speaker 03 I haven't never talked to Steve.
1:29:08 Caleb Hammer? Steve, okay.
1:29:10 Speaker 03 Sorry.
1:29:10 Caleb Hammer? It's okay. You started your checking account with 157, you ended it with $35. No [bleep] you overdraft. No [bleep]. Oh, savings $1.65. Great.
1:29:22 Speaker 03 Yeah, I used to have like.
1:29:24 Caleb Hammer? Like 30,000? Yeah.
1:29:26 Speaker 03 Yeah, I had more in savings than that back in the day.
1:29:29 Caleb Hammer? Well, you had more than 30,000.
1:29:31 Speaker 03 No, no, I, I had stuff in, I don't know how much if I, you had savings. 30,000 I think was together, like 20,000, then 10,000. Yeah, that makes sense.
1:29:39 Caleb Hammer? Okay, for DoorDash and game funds and Patreon membership, is that ours?
1:29:44 Speaker 03 Uh, no, I don't know what the Patreon was.
1:29:47 Caleb Hammer? We literally have more shows and better content and more content than any other membership on Patreon, YouTube memberships, all that stuff.
1:29:55 Speaker 03 Yeah, I've never watched your post show.
1:29:56 Caleb Hammer? The post show at Our Hammer Elite has all these extra shows. It's crazy. Thousands of hours of extra content. Literally, it's the second largest on the entire platform. And the platform has told us it is the best one because we offer more value than all the others. Yeah, it's serious.
1:30:12 Caleb Hammer? Oh, what is game funds? Gaming fund?
1:30:15 Speaker 03 Yeah, that's CSP in that.
1:30:17 Caleb Hammer? Oh, it's not a couple hundred dollars since [bleep] last year? This is $50, $50, $50, $50!
1:30:24 Speaker 03 Yeah, but I win something back, so I.
1:30:26 Caleb Hammer? Oh, [bleep]! Oh, PayPal paying for DoorDash gambling?
1:30:36 Caleb Hammer? Who you sub to on the OF? Oh yeah! OF, sixty dollars, twenty-two cents!
1:30:43 Speaker 03 That was March, wasn't it? Yeah.
1:30:46 Caleb Hammer? Who you sub to?
1:30:48 Speaker 03 I have no idea. I don't remember.
1:30:50 Caleb Hammer? Was it a V or a donut? Doesn't matter.
1:30:54 Speaker 03 It's a V.
1:30:55 Caleb Hammer? Chess.com, Blizzard, gambling, fifty dollars PayPal paying for, McDonald's, Wikipedia, Discord paying for Discord, merch of course, great, crunchy rolls, fuel your addiction there even more, and gambling, gambling, Pizza Hut, Tinder, we'll look at that in the post-show.
1:31:17 Speaker 03 Okay.
1:31:18 Caleb Hammer? Yeah, I'll bet ya.
1:31:19 Speaker 03 My Tinder's not great.
1:31:21 Caleb Hammer? And we'll look at it in the post-show.
1:31:23 Speaker 03 Oh, I could tell you something funny about Tinder, but yeah.
1:31:26 Caleb Hammer? We'll save it for the post-show.
1:31:27 Speaker 03 Okay.
1:31:28 Caleb Hammer? Uh, YouTube, Dany's, PayPal for Microsoft, gamblingthrone.com.
1:31:35 Speaker 03 What is throne.com?
1:31:37 Caleb Hammer? I don't know, you tell me.
1:31:38 Speaker 03 Is that like a subscribe, like subscribing to one of them, sending one of them money?
1:31:43 Caleb Hammer? It's a wishlist for creators. Oh my, no, don't do that. A wishlist for creators? Oh, come on! Come on!
1:31:53 Speaker 03 How much was that?
1:31:54 Caleb Hammer? You don't even know?
1:31:56 Speaker 03 Like a hundred?
1:31:58 Caleb Hammer? Eighty-nine dollars and thirty-two cents.
1:32:00 Speaker 03 So, so like a hundred, yeah.
1:32:03 Caleb Hammer? PayPal paying for PayPal paying for, Amazon Prime, Blizzard, Blizzard, overdraft! Overdraft for OnlyFans and gambling, OF and gambling overdraft.
1:32:17 Caleb Hammer? Sorry, thirty-six dollars in overdraft, right? That last month? You've overdraft three hundred twenty-four dollars this year.
1:32:24 Speaker 03 Yeah, I told you it was a lot worse.
1:32:25 Caleb Hammer? What the fuck are we doing, dude? I want you to do so well. You're a pleasant person.
1:32:33 Caleb Hammer? You're socially awkward, but you're a pleasant person?
1:32:37 Caleb Hammer? I want you to do well. You're not gonna do well like this. You've overdraft nine months this year. Uh, but, by the way, guys, these statements went through.
1:32:48 Caleb Hammer? March. He overdrafted nine times through mid-March.
1:32:52 Speaker 03 Yeah.
1:32:53 Caleb Hammer? Yeah. Who even knows what it's like today? Sake, that's insane. 15 to 25K and I'm for 1K. Okay, there we go.
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1:33:31 Speaker 03 There you go. I have no idea how to check it.
1:33:33 Caleb Hammer? Buddy, pull up your Amazon. Let me see.
1:33:36 Speaker 03 Oh, my current Amazon's a lot worse than it was in March.
1:33:43 Speaker 03 I actually got the Amazon card.
1:33:47 Caleb Hammer? You got the Amazon card?
1:33:48 Speaker 03 Yeah.
1:33:48 Caleb Hammer? Well, it's owed on it.
1:33:50 Speaker 03 Right now? I mean, it's, it's different than what it was in March, so it's tough to say.
1:33:54 Caleb Hammer? And did I have the Amazon card, did I?
1:33:56 Speaker 03 No, I didn't have the Amazon card in March.
1:33:58 Caleb Hammer? No, what do you have on it now?
1:34:00 Speaker 03 I think it's like 400, but I can pay that off right now.
1:34:04 Caleb Hammer? Dude, that's 400 that could be going to debt you already have, though. Yeah, pull up your Amazon. Just your Amazon account for me.
1:34:11 Speaker 03 Okay.
1:34:13 Caleb Hammer? What are you doing to your life?
1:34:14 Speaker 03 Orders. I've been focusing on wellness now. I got into skincare.
1:34:19 Caleb Hammer? Oof.
1:34:20 Speaker 03 It doesn't work that good.
1:34:22 Caleb Hammer? What a hyper fixation for no reason. Yeah, you got a little makeup. You got a little makeup. You got a book. What is it? A skincare book? You got Vaseline. You got hand cream?
1:34:34 Speaker 03 Yeah, it's that book. That's the book I got.
1:34:36 Caleb Hammer? Towels?
1:34:39 Caleb Hammer? I don't like where this is going. Okay, skin perfecting 2% BHD liquid, tolerance, double repair matte face, resist, perfectly balanced, foaming. Buddy, you go, you, you're going down a rabbit hole. UV clear face sunscreen. I'm glad you're doing sunscreen. I would just do that in a minimum.
1:34:53 Speaker 03 I've never done something.
1:34:54 Caleb Hammer? Sunscreen and moisturizer would just change your life.
1:34:56 Speaker 03 So I kind of go hard when I get into something.
1:34:58 Caleb Hammer? Yeah, no, and it's bad. Razor, lots of socks, gotta replace the crusty ones. Contact lens case.
1:35:06 Speaker 03 Yeah, I don't have matching socks.
1:35:07 Caleb Hammer? Honey.
1:35:07 Speaker 03 Sorry, I get socks.
1:35:08 Caleb Hammer? Moist shampoo, natural bar soap. I don't know. Natural bar soap, deep moist treatment. Premium hair mask. Buddy, how much are we doing? Hair thickening shampoo.
1:35:21 Speaker 03 Oh, that's just the hyper fixation I get into.
1:35:23 Caleb Hammer? And spray aroma, something. And you have, oh, Elon Musk just tweeted.
1:35:31 Caleb Hammer? I'm glad you have, you have Twitter notifications on for people.
1:35:35 Caleb Hammer? I'm sorry, but I can't, I just can't stand it anymore. This massive outrageous pork-filled congressional spending bill is disgusting abomination. Shame on those who voted for it. You know you did wrong. You know it.
1:35:48 Speaker 03 Notifications can kill you because it's just like, it's always constantly something.
1:35:51 Caleb Hammer? I've just never had a notification on for anyone.
1:35:54 Speaker 03 Really?
1:35:55 Caleb Hammer? No, anyone posting tweets? No.
1:35:57 Speaker 03 I don't, yeah, bad notifications.
1:36:00 Caleb Hammer? Well, you know, Elon, if you're watching this.
1:36:02 Speaker 03 Come on, financial.
1:36:04 Caleb Hammer? I think his finances are fine. I'm not worried of that.
1:36:07 Speaker 03 It'd be interesting.
1:36:08 Caleb Hammer? But you got a fan here.
1:36:11 Caleb Hammer? He's autistic too.
1:36:12 Speaker 03 Yeah.
1:36:13 Caleb Hammer? Total income is 3,400.
1:36:19 Caleb Hammer? That's brutal, man. Almost a third of your income goes to debt minimum repayments. 1,094.86. But at least we still subscribe to OF. But as a fucking Japanese.
1:36:32 Caleb Hammer? Boy or girl? I don't know, but definitely Japanese.
1:36:36 Speaker 03 Probably not Japanese, I think Korean.
1:36:37 Caleb Hammer? You're right, South Korean.
1:36:38 Speaker 03 Yeah.
1:36:41 Caleb Hammer? What's your rent again?
1:36:42 Speaker 03 $4.50.
1:36:43 Caleb Hammer? Utilities?
1:36:44 Speaker 03 Um, non-existent.
1:36:47 Caleb Hammer? Phone bill?
1:36:48 Speaker 03 Non-existent.
1:36:49 Caleb Hammer? Okay. When you're ready, switch to helium if T-Mobile's in your area. 15 bucks a month. It'll save you money. Gas, vroom vroom, drive drive. How much a month?
1:36:57 Speaker 03 None.
1:36:59 Caleb Hammer? What?
1:37:00 Speaker 03 Yeah.
1:37:00 Caleb Hammer? How?
1:37:01 Speaker 03 I use a card.
1:37:05 Caleb Hammer? Buddy. Oh buddy, come on. Oh dude, car insurance?
1:37:13 Speaker 03 Uh, eighty.
1:37:16 Caleb Hammer? And do you pay it?
1:37:17 Speaker 03 Yeah.
1:37:17 Caleb Hammer? Groceries, 300. Use our cookbook.
1:37:19 Speaker 03 305.
1:37:20 Caleb Hammer? 305, sure, use our-
1:37:22 Speaker 03 Cause that's $10 a month.
1:37:23 Caleb Hammer? Okay, use our cookbook. TP fund?
1:37:27 Speaker 03 Uh, $100. Okay.
1:37:29 Caleb Hammer? $100.
1:37:30 Speaker 03 Okay.
1:37:31 Caleb Hammer? Medical, healthcare, anything?
1:37:32 Speaker 03 Um, I, I do have, uh, my pills, they're probably, um, $60 a month. That seems a little high as my-
1:37:40 Caleb Hammer? For ADHD?
1:37:41 Speaker 03 Uh, ADHD, yeah, ADHD, pretty much, yeah.
1:37:44 Caleb Hammer? $60?
1:37:45 Speaker 03 Yeah.
1:37:45 Caleb Hammer? You fucking wired right now?
1:37:47 Speaker 03 No, I don't take the stimulants.
1:37:49 Caleb Hammer? Okay. No subscriptions necessary?
1:37:52 Speaker 03 Okay.
1:37:53 Caleb Hammer? You have a pet?
1:37:55 Speaker 03 Nope.
1:37:55 Caleb Hammer? Yeah, you killed your cat, right?
1:37:57 Speaker 03 No. No. There's a cat that lives at my parents, but-
1:38:01 Caleb Hammer? Hmm. Okay. Anything else that needs to be in your budget? Cause this is getting kinda stupid.
1:38:08 Speaker 03 I don't think so. Food, we have food.
1:38:11 Caleb Hammer? We did food?
1:38:12 Speaker 03 Yeah.
1:38:13 Caleb Hammer? Okay, it's all cause of debt, but 2,095.80 cents is required to survive. What, what number did you have?
1:38:23 Speaker 03 To survive?
1:38:24 Caleb Hammer? Yeah.
1:38:25 Speaker 03 Um, why included subscriptions?
1:38:27 Caleb Hammer? Well, we don't do that. We're paying off debt so you can have any kind of independence, buddy. Come on.
1:38:31 Speaker 03 And add $25 more for TV.
1:38:32 Caleb Hammer? Okay, listen, listen, okay, you have an extra 1,304 left over.
1:38:37 Speaker 03 Yeah.
1:38:38 Caleb Hammer? I'll subtract 100, put it to whatever you want, okay? 100 for fun. Yeah, 100 for fun. 1,200 left over, let's just call that. If you tackle this debt, not your student loans, and some of the balances were a little different, so let me re-add it up. $37,582 of bad debt. It's gonna take 31 months, which is okay. Two and a half years. And a total of three years to get a fully funded emergency fund, okay? And then you have a little more independence. What I would do is I'd pick up a second job. You said you don't have much to do outside of work, so pick up a second job, pay off this debt quicker. Try to be fully debt-free, get a fully funded emergency fund. By bringing an extra $1,200 a month extra, that is by a year and a half, you would be done.
1:39:23 Caleb Hammer? And then we save up a little extra money, a couple of months more, and you go use it as first month, last month, security deposit. And you move somewhere and you live a little bit of independence, okay?
1:39:33 Speaker 03 Get a better job.
1:39:34 Caleb Hammer? I think that is the goal, okay?
1:39:35 Speaker 03 Okay.
1:39:36 Caleb Hammer? So go bring in an extra $1,200 extra net with a second job, whatever it is.
1:39:42 Speaker 03 Okay.
1:39:42 Caleb Hammer? Any second job, third job, I don't care. Get rid of this and get a fully funded emergency fund in a year and a half, then have enough to move, and then move. Guys, join us for the post-show. We're gonna go through his dating profiles, probably his OF things, and then some extra drama that we couldn't do
1:40:00 Caleb Hammer? in front of the paywall, cuz it's, you know, big platform, but come join us. Hammer Elite is the best YouTube membership on the platform, so make sure you join it. Helps us out a lot, and we give you a lot in return. Hammer Financial Score, spending in a budget, or spend zero to 10 debt. I mean, it's some stupid debt, high interest debt. Come on, it's gambling debt. It's not good. But no collections, no IRS debt. So one out of 10. Emergency finance, savings, zero out of 10. Retirement, uh, what was it? It was like max 25. It was between 15 and 25. So we'll call it 20. 20 with your income, with where you are in your age, it's going to be about a four out of 10. Real estate, zero out of 10. Definitely behind for your age for retirement, though. Hammer financial score, one out of 10. How much have you spent on skincare total in the last month? Probably like 500?
1:40:44 Caleb Hammer? 500 and a [bleep]. Why?
1:40:47 Speaker 06 Say your dating app.
1:40:48 Caleb Hammer? Oh, dating app, okay.
1:40:49 Speaker 06 His location set to Asia. He just had his location set to Asia. I saw that.
1:40:55 Caleb Hammer? What?
1:40:55 Speaker 06 I saw that.
1:40:56 Caleb Hammer? What? Are you trying to get like a Taiwanese bride? Elusive members content. Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.
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