I've Never Had An Update Like This

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

• 0:00Caleb Hammer?

  Y'all, it is the end of the year here at Financial Audit and we've recorded a lot of episodes. So, here with the last upload of 2024, I wanna see where some of them are. We're gonna jump into some of the craziest, some of the wild, some of the saddest, some of the most exciting episodes that we filmed this year. And then, we're gonna tell you where they are in life today. So, without further ado, let's jump into 2024 Financial Audit Updates.

• 0:30Speaker 01

  My name's Trenton, I'm from Minnesota, I'm 22 years old, and this is Financial Audit.

• 0:37Speaker 01

  Um, yeah, anyways, but I turned $5 into $200 at a blackjack table, and then ever since then, I've just kinda always wanted to keep trying to repeat that, um, experience.

• 0:49Caleb Hammer?

  You're into debt for the gambling?

• 0:51Speaker 01

  I don't know, you know, I like playing blackjack, I'll play it, I'll gamble on any, anything, anywhere. I mean, if I think I can make money, I'll bet money towards it.

• 1:02Caleb Hammer?

  Okay, and how often?

• 1:06Speaker 01

  Um, lately, uh, it's been like, maybe once every other week, for like, big time gambling trips where I'm gonna be, where I'm gonna be spending, you know, a couple hundred dollars to a, you know, a couple thousand dollars. But, a lot of times, I'll-

• 1:21Caleb Hammer?

  A thousand? Every other week? So like, 4,000 bucks a month?

• 1:25Speaker 01

  Well, I don't always lose, you know, sometimes you win.

• 1:29Caleb Hammer?

  Okay, so it's not about sometimes I win, sometimes I lose, net, you've lost, so you've lost.

• 1:33Speaker 01

  I never claimed to be a good gambler.

• 1:35Caleb Hammer?

  You purchased $1,533! That's crazy! That's an insane number! You know why that's actually insane? Because here's your credit limit, not because they lowered your credit limit, because you don't know how to manage this!

• 1:56Caleb Hammer?

  Would you like to join me in this conversation?

• 1:58Speaker 01

  Um, what was the purchase?

• 1:59Caleb Hammer?

  Oh, fuck.

• 2:00Speaker 01

  Dollars for what?

• 2:01Caleb Hammer?

  You don't even know what you purchased? Then why the [bleep] are you doing it?

• 2:05Speaker 01

  Um, I don't know, I'm just trying to, like, cause I don't have money on my other cards. So what am I, what am I supposed to do?

• 2:13Caleb Hammer?

  Not go out to eat? What are you talking about? If you do not have money, you do not go to Mickey D's. I don't know where you went, but we'll look at that in a second. Does that not make sense? How does that not make sense?

• 2:24Speaker 01

  I mean, it does, but like, I just,

• 2:29Speaker 01

  I don't know, I, I just, I, I don't like to just sit in home, do nothing. It's, it's just super hard for me. I don't know.

• 2:35Caleb Hammer?

  Go to a [bleep] park!

• 2:38Caleb Hammer?

  Both of us could use a few more miles of walking a day?

• 2:41Speaker 01

  Yeah, I like, I go out and do things, but-

• 2:44Caleb Hammer?

  There you go, mission solved, problem solved, mission accomplished. Oh, you know, $300 for car insurance? That's actually kind of an expensive car insurance, almost as much as a rent. But, you know, we still have thousands of dollars to play with. Oh, you know what? Just finance $2,825 a month for season tickets of, of game that doesn't start until late fall!

• 3:05Caleb Hammer?

  What the [bleep]? Oh, that's a bill, you're right, and that's a stupid [bleep] bill for your situation. What is happening here? There's no refunding this, is there?

• 3:15Speaker 01

  Uh, no.

• 3:17Caleb Hammer?

  Me. Can you sell these now just so you'll know you at least break even? This is so risky for your position. Listen, it's a hustle, I do get what you're saying. I'm not saying you're gonna completely fail from that specifically of the hustle, but in your situation, you can't pay for this right now. I, you've, you, you've put yourself in one of the most risky situations I've ever seen for purchases.

• 3:48Caleb Hammer?

  Making small progress on my debt. Timber Wolf season tickets are starting to make money now after the season has started. Currently applying for new jobs. Should have credit cards paid off by June. Happy to hear that the credit cards are looking to be paid off by June. Still a little nervous with those tickets that you're trying to sell. That unnecessary, it's still an unnecessary risk and it was just very expensive. It's a lot of money for someone in your position. And with everything that you're doing and the complications around the relationships in your life, I would still just try to simplify things and that's what I wanted to do. When we walked out of your financial audit, that's what I was hoping to see. I'm glad a little progress is being made.

• 4:28Caleb Hammer?

  I hope you land a job that you like and that you prefer, but um yeah, come mid summer. I want to see you back in this chair and I want to see progress being made and simplify things, man. Simplify.

• 4:43Speaker 02

  Hi, my name is Sarah and I'm 22.

• 4:44Speaker 03

  Hi, my name is Joe and I'm 25. We are based out of Lubbock, Texas.

• 4:47Speaker 02

  And this is financial audit.

• 4:49Caleb Hammer?

  You have no money. You don't get to be a car person.

• 4:52Speaker 03

  Well, and then.

• 4:54Speaker 02

  To light a fire under his to help me with the finances and the spending and.

• 5:00Caleb Hammer?

  It doesn't matter, you guys aren't going to be together in three months. What, what, what does it matter what he's doing?

• 5:04Speaker 03

  Again, me being emotional, I don't like seeing the bad debt, so I kind of just ignore it. Again, I don't like being called out on my.

• 5:10Speaker 02

  Being yelled at.

• 5:11Caleb Hammer?

  Well, isn't it, isn't it important to be called out on your if you're just.

• 5:14Speaker 03

  I'm learning, I'm learning that, but yeah, okay, we get it.

• 5:20Speaker 02

  Sorry.

• 5:20Speaker 03

  You're not something you've told me 20 million times, we know.

• 5:23Caleb Hammer?

  Have you just been coddled your entire life? I'm curious.

• 5:25Speaker 03

  Yeah, cuz I was homeschooled with my mom and my sister 24/7.

• 5:28Caleb Hammer?

  Yeah.

• 5:29Speaker 02

  That caused a lot of problems in our relationship.

• 5:31Speaker 03

  I'm slowly learning that, but it still does piss me off.

• 5:35Speaker 02

  All the time and it's always met with defensiveness and excuses and.

• 5:39Speaker 03

  Yeah, I, I'm emotional. I'm dramatic, but I don't like being called out.

• 5:44Caleb Hammer?

  Out of spite for others, you're destroying your life, you're fucking spiting your future.

• 5:50Speaker 03

  I mean, honestly, everybody to me sometimes, but I have those moods, so I get like that. But then I also realized that it's bad to have that thought, to have that kind of mindset.

• 5:58Caleb Hammer?

  Yeah, over your life because others called you out for your life is being an immature child.

• 6:03Speaker 02

  He bought a used car with my savings and some money from his dad and the money from the that we got from the insurance. It broke down six months after he bought it. So we just used all of our savings. So.

• 6:17Speaker 03

  That was the only reason why I really got it, which I kind of was against it.

• 6:20Speaker 02

  To appease his parents. He got it to make them happy.

• 6:21Speaker 03

  I did. Yeah. Okay. I did do it to appease my parents. Just.

• 6:24Speaker 02

  So that they would stop yelling at him.

• 6:25Speaker 03

  Again, I don't like drama. She basically almost threw the box at me too because she was pissed.

• 6:29Caleb Hammer?

  Why do you think she doesn't love you?

• 6:32Speaker 03

  I am an emotional wreck whenever. I was an emotional wreck at the time. I.

• 6:35Speaker 02

  I don't even remember what started that. He was just basically crying, being like, why do you love me? I'm a mess. And I was like.

• 6:41Speaker 03

  It had to probably do something with my mom because my mom was always on my ass about shit and just like complaining if I didn't do this this way. And I would always just feel like, oh, I have to make her happy.

• 6:51Speaker 02

  It all comes back to his mother.

• 6:53Speaker 03

  It was an issue.

• 6:55Speaker 02

  I don't know.

• 6:56Caleb Hammer?

  Why you say it like that?

• 6:57Speaker 02

  Because he makes it sound that way.

• 6:59Speaker 03

  We both hate my mom in a certain way.

• 7:02Caleb Hammer?

  I've never hated as many people as you guys hate.

• 7:08Caleb Hammer?

  I got divorced, went to a lot of therapy, found a new boyfriend, and now I'm living with him. My dad is helping me with my Y N A B account and I'm slowly getting out of debt. And I have the most money in my checking account that I've had in years. Sorry to hear about the divorce or uh or happy depending on how that went. But I just want to be a little careful moving with a new boyfriend so quickly. Good, you know. Maybe we take something slow. Yeah, I'm happy to hear you're starting to build a budget. I think it's a little delayed, a little too long, um but hopefully that starts to work. Honestly, stick to that budget. Hopefully don't rush this relationship and I'll see you back on, okay?

• 7:50Speaker 04

  Hi, I'm Aubrey. I'm 27. I'm from Johnson City, Tennessee, and this is the financial audit.

• 7:55Caleb Hammer?

  Oh my gosh, I you are.

• 7:57Speaker 04

  You can't though.

• 7:59Caleb Hammer?

  Just your presentation and you as a person. It's just like, ew. I'm sorry.

• 8:07Caleb Hammer?

  I have this thing where I can't filter myself very well.

• 8:10Speaker 04

  No, that's okay. That's okay.

• 8:12Caleb Hammer?

  Like, um, you're you're, uh, um, I would not have liked you in high school. This is okay.

• 8:19Speaker 04

  I'm a nice person. Okay, I am.

• 8:21Caleb Hammer?

  Pleasant. You just seem, uh.

• 8:24Caleb Hammer?

  Go ahead.

• 8:25Speaker 04

  Okay. What are you gonna say?

• 8:28Caleb Hammer?

  Say your things.

• 8:30Speaker 04

  Alright, so yeah, I was working there.

• 8:32Caleb Hammer?

  I'm excited to be on, but shut the f**k up. Take this seriously.

• 8:35Speaker 04

  Okay. What do you mean?

• 8:37Caleb Hammer?

  Are you here for clout?

• 8:38Speaker 04

  No, I'm not here for clout.

• 8:39Caleb Hammer?

  It's pretty much impossible because you're using a fake name and you have nothing to push anyway, so... But like, people are gonna, they're like, they're gonna be like, "Have real people on." "If you exist in the real world, dude." These aren't the real people.

• 8:52Caleb Hammer?

  Yeah, work for your death, that's great.

• 8:53Speaker 04

  Yeah.

• 8:54Caleb Hammer?

  But, right now, you're not working on making any money, and again. Okay, let me start going through this.

• 8:59Speaker 04

  I'm just not gonna pay on anymore, because what's the point? I'm already screwed.

• 9:02Caleb Hammer?

  What the f**k are you talking about? No, no, no, no, no, no. You f**k pay, you make progress, you get out of it, and then you're not screwed! What do you mean?

• 9:10Speaker 04

  But I, where I live, paycheck to paycheck, it's so hard.

• 9:13Caleb Hammer?

  You don't have a paycheck! What paycheck are you paycheck to paycheck? What, you don't have a paycheck, you don't make money!

• 9:18Speaker 04

  For now, I don't, but it will.

• 9:20Caleb Hammer?

  Paycheck to paycheck, you're f**king around to f**king around! You're friend to friend! Paycheck to paycheck. How would you actually make a paycheck and I'll be proud? Oh, I am irritated. I am irritated. Oh, f**k, okay. Oh, try to not... Oh, gosh.

• 9:37Speaker 04

  It just seems so easy to put a TV on and an Apple Watch.

• 9:41Caleb Hammer?

  Yeah.

• 9:42Speaker 04

  Now, I had this ex-boyfriend, and I didn't have any money to get him anything for Christmas, and so... I just got him an Apple Watch, and I put it on credit card. Yeah.

• 9:53Caleb Hammer?

  What are we doing? What credit? Perhaps. Are you trying to take advantage of in your life?

• 10:02Speaker 04

  But...

• 10:03Caleb Hammer?

  Bu- bu- but? But?

• 10:05Speaker 04

  Before it was bad! Before it was bad, it was just 7:30!

• 10:10Caleb Hammer?

  Cut out the cards right now and prove it. If you're willing to. I'm not gonna pressure you into doing it, I want it to be your action, so, are you going to?

• 10:18Speaker 04

  Okay, yes, I will cut them out. Because I do not need them, they're not.

• 10:21Caleb Hammer?

  We're gonna bring scissors to you right now.

• 10:22Speaker 04

  Okay, bring scissors, I don't even know what cards I have with me.

• 10:24Caleb Hammer?

  Well, go ahead and check.

• 10:26Speaker 04

  This literally hurts way worse than any of the other ones.

• 10:30Caleb Hammer?

  But even if it is blurred to protect our identity, it is a credit card. There we go.

• 10:34Speaker 04

  Okay. There, I did it.

• 10:41Caleb Hammer?

  I've now consolidated and closed all of my cards with the help of JG Wentworth and I'm working really hard to cut down my impulsive spending and save as much as possible. My bills are now lower than they've ever been in years and I feel so much weight lifted. Still a long ways to go, but I have hope. I've decided I want to pursue an online career so that I may still be able to travel without having to sacrifice a paycheck. As for now, I'm back at Vale working ski valet where the pay is decent, but the tips are great. All the tip money I'm making is being tucked away so that I can make a lump sum payment to JG Wentworth. Leaving out some however, in case of an emergency. All is well here. Hope everyone is doing great there.

• 11:23Caleb Hammer?

  JG Wentworth, I didn't know people actually use that. Aubrey, what are we, okay. There are good consolidations, there are bad consolidations. I didn't think they would be the people to be trustworthy, but honestly, I have not looked into them. So make sure you're doing this very safe. Again, the main concern is what I see a lot of people doing on the show. This is not what I want to see happen to you. You consolidate without changing the behavior and you had a lot of behavioral issues. Trust me, you're a very pleasant person. Everyone likes you. Everyone likes to hear. I think everyone in the audience likes you. Please, please, please make sure you are using the educational resources we have given you, that you are following a budget,

• 12:05Caleb Hammer?

  that you are cutting back on spending, and you are changing behavior. You're already in the consolidation process. I haven't, I wouldn't have recommended it until I saw that behavioral change. Okay, yeah, when you come back on, my fear is that you're just gonna build up all those debts again. The online career, yeah, okay. I know you're a big traveler and I know the ski season, we're in it right now, so income's probably looking good there. Just a little nervous during the summer months. Curious to see how much is in that emergency fund savings. There's a lot of risk involved here. Just don't build up those credit cards. I'm glad, well, I'm glad you closed the credit cards. You said you closed the credit cards. Just don't open new credit cards. When

• 12:50Caleb Hammer?

  we're talking closing, I hope that means you actually closed the accounts and you didn't just chop them up. We'll have to see. We'll have to see. I wish you the best of luck, of course.

• 12:58Speaker 05

  Hello, my name is Beemy. I am 29 from Austin, Texas, and this is Financial Audit.

• 13:06Speaker 05

  I don't know. It was a, it was a couple of years ago that I inherited $60,000 and blew in three months.

• 13:13Caleb Hammer?

  What the?

• 13:14Speaker 05

  I think that my childlike fantastical beliefs in the future.

• 13:21Caleb Hammer?

  Beliefs in the future?

• 13:22Speaker 05

  Compared, tied with.

• 13:24Caleb Hammer?

  What the did I just walk into? What are you talking about?

• 13:27Speaker 05

  I didn't open the RV either.

• 13:29Caleb Hammer?

  Huh?

• 13:31Speaker 05

  Like, the hood. We should have checked under the hood. When we did, it was just covered in trash.

• 13:35Caleb Hammer?

  What, the RV?

• 13:37Speaker 05

  Yeah.

• 13:38Caleb Hammer?

  You still have the RV?

• 13:39Speaker 05

  No, we left it in some random parking lot and got out of there in like the desert of California.

• 13:47Caleb Hammer?

  You're doing this like a hobby, just having fun, traveling around. You don't have any savings to your name and you have debt. That's not how we do this. And that's why a lot of people fail. Because they have to get back to reality quicker because you don't set yourself up for success. I know you want to rush into this. It makes sense. It's a want. You want this. I want it for you too. Give yourself the best shot to get there.

• 14:09Speaker 05

  Right.

• 14:10Caleb Hammer?

  I know I'm being a dick, but I do want you to succeed.

• 14:13Speaker 05

  Right.

• 14:13Caleb Hammer?

  I, don't get me wrong, I'm not gonna not challenge your worldview because your worldview's idiotic. But, you know, it's not out of hating you.

• 14:23Speaker 05

  Yeah.

• 15:14Caleb Hammer?

  Moved to Maryland from Texas, worked a couple of jobs for a few months, recently moved to New York, sold my car, made a lot of new friends, released a few new songs, working on writing a book and a few other projects. Getting work, did some interviews and other podcasts. Financially, I'm almost out of the hole. I covered all my bills and most of my dues, covering the last of my debt within the next few months and building my income up. In October, I got a stable place to stay with a bathroom and a kitchen for the first time in three and a half years, and everything has been incredible since then. I'm happy to hear that after the move, you've made a lot of new friends. You know, sometimes in adulthood, moving to a new place without college or anything like that can be hard to make new friends.

• 15:55Caleb Hammer?

  But hopefully that making new friends isn't meaning going out and spending all that money. Again, we all liked you, just like we pretty, I pretty much like everyone. There's only a few people that I'm like, eh, don't really like that person. We all liked you. My main thing, I'm happy to hear that you're almost out of the hole. But the fact is, you're in a relatively easy blessed situation compared to a lot of people. And I think you could be out of it quicker. I just need you to stick to it. And I need you to really grind and just be a little more mature about the whole process. I know you want to do a lot of these passion projects, and I support that, but we have to be doing that while working and actually hitting our financial safety goals, because we don't live in a society where it's just like you can do passions and you're entitled to do the passions without having to worry about other things.

• 16:38Caleb Hammer?

  Whether or not we like that, that is what the, that is the society we're in, and I want to help you navigate the reality of that. So, you know, continue pursuing those on the side, but let's make sure that we're very strong in our income side. We're not blowing all the money with the new friends and that we're still on track to hit the goals. I need to see you have a good chunky emergency fund for the kind of lifestyle you live.

• 16:58Speaker 06

  Hi, this is Ariana, 31, from Corpus Christi, Texas, and this is Financial Audit.

• 17:04Caleb Hammer?

  That's gonna legitimately piss me off. It's not a joke. This isn't a joke. We can hee-haw, hee-haw a couple times, but this isn't a joke of a conversation. This is like your actual life that this is right now, okay?

• 17:16Speaker 06

  But there's stuff in there that'll probably piss you off more, so you might want to wait on it.

• 17:22Speaker 06

  So.

• 17:24Caleb Hammer?

  I don't think you can go inside supermarkets. Supermarkets is your weakness. You go, you go into glizzy town every time you walk out of Sam's and then you work at HEB and you can't stop and just get, what, what are you getting? What are you getting?

• 17:36Speaker 06

  Okay, my regular is, and this is, I only do it when I have a shift. Um, so it's literally.

• 17:45Caleb Hammer?

  And we know you barely have those, so.

• 17:47Speaker 06

  Yeah, so it's always the same thing, embarrassingly enough. It's like the.

• 17:52Caleb Hammer?

  The price is different every time, so that's confusing, but go ahead.

• 17:54Speaker 06

  Well, usually, but what I really like.

• 17:57Caleb Hammer?

  Literally every single time in this statement, the price is different, so.

• 17:59Speaker 06

  Well, some of those are actual groceries, like milk and bread, so, but what I always usually get is the like sushi, I mean, basically sushi.

• 18:10Caleb Hammer?

  All that buildup to say you got sushi.

• 18:12Speaker 06

  Yeah. But I don't like any, just, I like the little rolls with like lettuce and cucumbers and stuff.

• 18:22Speaker 06

  I don't know.

• 18:22Caleb Hammer?

  Lettuce in a sushi roll? You work less shifts than you're getting in spring rolls, by the way, so you're getting multiple spring rolls per shift. ATM would draw twenty dollars, who knows where that went. Spring rolls, spring roll!

• 18:34Caleb Hammer?

  Hair design, there it is. Great, the post divorce spring roll. Moon pig. Spring rolls, spring roll! Getting some tea, wiener schnitzel. McDonald's.

• 18:46Speaker 06

  Yeah.

• 18:47Caleb Hammer?

  Oh, we did our hair again. Twice? First time wasn't good enough?

• 18:50Speaker 06

  I get my hair done about once a week.

• 18:54Caleb Hammer?

  What the?

• 18:55Speaker 06

  Yeah.

• 18:56Caleb Hammer?

  Clara, is that even close to normal? Okay, as, as not a woman, I needed to confirm. What the? What the?

• 19:03Speaker 06

  Naturally, really dark, black hair.

• 19:06Caleb Hammer?

  Congratulations.

• 19:07Speaker 06

  And because right now I'm platinum blonde.

• 19:10Caleb Hammer?

  Sure, until you literally just stop being platinum blonde.

• 19:13Speaker 06

  Yeah.

• 19:14Caleb Hammer?

  Cool. Um, you know, I, I want you to be able to do what you want for your looks. Uh, you literally aren't paying your bills and you owe your mom money and your situation's make twenty thousand dollars a year? I don't give a your hair color is. Let's just be honest.

• 19:26Speaker 06

  But you can't budget that in.

• 19:29Caleb Hammer?

  Not when you don't have money. Oh my, oh my, I hope you're with me. You're not. I know you're not. Well, this is insane.

• 19:37Speaker 06

  Yeah.

• 19:38Caleb Hammer?

  This is insane. Six to twelve weeks is like the recommended average haircut.

• 19:43Speaker 06

  Yeah, but again, I'm dying it.

• 19:46Caleb Hammer?

  Go bald, dude. Just go bald.

• 19:51Caleb Hammer?

  Gained full-time employment as a probation officer, got a side hustle as a pet sitter, stayed working at the grocery store, still in school for court reporting. Oh, I'd love to hear about that increase in income and the, and the full-time job and the side hustle. Things are good. And I know, listen, I got a little bit of, uh, for making fun of the court reporting, talking about AI. I, I, I like to play devil's advocate on everything. That is, that is one of my, one of my curses, one of my flaws as a human. I think you'll have a good, long career in that. And I know it's a, it's a good career path there. I'm just, you know, I like to just put out there thoughts of like, oh, what if, what if, what if, you know, and just make sure we're navigating things in a protective

• 20:35Caleb Hammer?

  way, setting yourself up for success. But I think you're going to be going down the right path. I would, I would have loved to hear how finances are looking, but I am happy to hear about your income situation.

• 20:46Speaker 04

  Hi, my name is Natalie. I'm 33 years old. I'm from Chicago, Illinois, and this is Financial Audit.

• 20:54Caleb Hammer?

  So you were, you had a job then?

• 20:56Speaker 04

  It wasn't really like I was doing online work and that wasn't really a actual.

• 21:01Caleb Hammer?

  Titty money?

• 21:02Speaker 04

  Yeah.

• 21:03Caleb Hammer?

  Um, oh, how much were we making?

• 21:05Speaker 04

  Not enough, maybe 600 every month or so.

• 21:08Caleb Hammer?

  What is, is that like cam girl stuff? So we're talking?

• 21:11Speaker 04

  Yeah.

• 21:12Caleb Hammer?

  Why is almost half of our money going into this, uh, under the mattress?

• 21:16Speaker 04

  Because I need a car.

• 21:18Caleb Hammer?

  How, how much is, you're in Chicago, one, you actually don't. You're in one of the only cities where you don't. Like may as well take advantage of that. Like out of three cities in the United States that you don't need a car, you're in it.

• 21:31Speaker 04

  My, uh, what do you call it?

• 21:34Caleb Hammer?

  Boyfriend, how do you feel about your girlfriend getting paid by the ex-husband? No, I'm trying to help her with that stuff. Trying to help you with that stuff. I don't know what that means because obviously it's not make, it's, there's no help being. So take him off. He wants to be off.

• 21:47Speaker 04

  Yeah.

• 21:48Caleb Hammer?

  Take him off. If you know it, then what are we doing?

• 21:54Caleb Hammer?

  Why would you do that to yourself? Do you want your kids back?

• 21:58Speaker 04

  Yeah.

• 21:59Caleb Hammer?

  Want to have a future with Mr. Man over there? Do you want to move out of your brother's house? Do you want to not be dependent on people? You say, yeah, your actions don't say, yeah.

• 22:11Speaker 04

  Yeah.

• 22:12Caleb Hammer?

  No.

• 22:13Speaker 04

  No, it's just really bad impulse control. I haven't been able to figure out yet.

• 22:19Caleb Hammer?

  We can do things in a proper way. You're not. Just teaming around.

• 22:26Caleb Hammer?

  Get him off the card.

• 22:28Speaker 04

  Yeah.

• 22:28Caleb Hammer?

  I might give him a call. Let's, we're gonna call him. Call him. Call him. I want him off the card. I want him off the card now.

• 22:38Caleb Hammer?

  I think it's time for Miss 33 year old to act 33 year.

• 22:45Caleb Hammer?

  Extra damage.

• 22:47Speaker 04

  Hold on.

• 22:49Caleb Hammer?

  How you doing? Good, how are you? Good. My name's Caleb Hammer. I am talking to your ex-wife about her finances. Uh, can you please stop paying the Capital One Quicksilver card? Okay, thank you, because, uh, she needs to actually take some responsibility for the first time in her life. All right. All right. Love you, buddy. Have a good day. You too, bye bye.

• 23:14Caleb Hammer?

  I've paid off all my credit card debt, which wasn't much. Started paying my brother back and am slowly starting an emergency fund. I've deleted apps like Grubhub and Timu and have been meal prepping. Things are looking good so far. All that credit card paid off, let's good go. That's an end of a year win right there. Good job. I'm happy to hear you're slowly paying your brother back and building up that emergency fund. I would prefer that emergency fund first because, you know, if something emergency were to happen, that means that it would go back on the credit card. Maybe you'd borrow money from family again. So if you're able to communicate with your brother, like, hey, I'm just trying to make sure we get a little safety position here. I'm not just blowing my money on fun. Maybe you provide some proof on that. I'd rather you get to that emergency fund first, but I, I love the heart of it and paying back your brother, because that is good for relationships.

• 23:58Caleb Hammer?

  And you have taken the right step by deleting the apps that you just can't control yourself. On with Timu and Grubhub and all that other stuff. So that that isn't control, you know, just take away, take, don't allow alcohol to be in the building, you know, to be in the house if you're an alcoholic. If you can't control your habits, delete those apps. Don't allow yourself to install those apps. I'm happy things are looking good. You're on the right track and I'm super excited to have you back on for a follow up, especially, especially once everything is in the right place. Keep going. You're killing it.

• 24:31Caleb Hammer?

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• 25:16Caleb Hammer?

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• 25:32Speaker 04

  Hi, my name is Rosa.

• 25:35Caleb Hammer?

  Cutting that off, this is, you guys have broken records. We have just, I need to get into this episode like legitimately right now. Was the most recent one? Whoopsie or planned?

• 25:45Speaker 04

  Um, kind of planned.

• 25:47Caleb Hammer?

  With this?

• 25:48Speaker 04

  Yeah.

• 25:48Caleb Hammer?

  With this? All that. Okay, so we moved in a house. We didn't have that money, that much money. So over the course of the next few years, so you just guys just around? I need to be very clear. You don't think you pay 30,000 hours a month of this house.

• 26:05Speaker 07

  It's like five, I think.

• 26:06Caleb Hammer?

  We only almost bring in like four to five. Oh, my 6500 comes in, you find tend to be reasonable.

• 26:15Speaker 07

  Birthday month.

• 26:16Caleb Hammer?

  You, you, you're aligned with this birthday month thing.

• 26:18Speaker 07

  It was her birthday.

• 26:20Caleb Hammer?

  Her birthday, why do I give her birthday? You know who birthday it's about to be the two year old and guess what? That two year old is gonna grow up and have to take care of their parents because their parents never saved up for retirement.

• 26:28Speaker 07

  That's another 10 for the kid.

• 26:29Caleb Hammer?

  Credit limit 5000, credit limit 5000, credit limit 5000. It is sitting at 5,014 and 41 cents with 140 dollar minimum monthly payment. Okay, okay, it doesn't matter. I mean, it's not like we have two kids. One's about to turn two. No, who really get? Why would your nephew be on a card?

• 26:50Speaker 04

  He just wanted it. I, we, we tried to tell him to not get it, but he wanted it. He just likes the way it looks. I don't know.

• 26:58Caleb Hammer?

  Past two.

• 26:59Speaker 04

  No, I pay that.

• 27:00Caleb Hammer?

  Two.

• 27:01Speaker 04

  Um.

• 27:02Caleb Hammer?

  We're past two. Did you know?

• 27:05Speaker 07

  I didn't know. Things, something gotta change. Something's gotta change.

• 27:10Caleb Hammer?

  Oh, my, oh, my. There's been one or two missed payments on this card this year. We're addicted to missed payments. You know, I don't even want to continue this. This is crazy, but actually you guys are very pleasant people. So I am going to for you because I like you guys, but this is insane. No, of course, I just want to lay in my office. He's insane. I think, are we halfway through now?

• 27:33Speaker 07

  Doesn't look like it.

• 27:34Caleb Hammer?

  My gosh.

• 27:35Speaker 07

  So she like 30, 40.

• 27:36Caleb Hammer?

  It's been an hour. Oh, I've never seen 681 dollars of overdrafts in, in, in a year, in a year. I do, you, you, you, you. It's not that they suck. It's not that they suck. You're spending half of your income on fun. It's not that they suck. It's not that they suck. They don't do it to you. You did it to yourself.

• 28:00Speaker 04

  They did.

• 28:00Caleb Hammer?

  Oh, don't do this. Look at that. We're overdrafting 700 dollars a year and all these lines are bullshit purchases.

• 28:13Caleb Hammer?

  How we got a raise? I've been tracking my progress on TikTok. We have both been working overtime. We took a 401k loan out to consolidate debt and have a 1k emergency fund. We lowered our monthly bills by at least $1,400. Finished one of the lessons in watching the new one all in about two months. Thank you guys went on very long ago and you already got a raise. I'm loving that. This is a great end of year update. And I gotta, I gotta look up your guys' TikTok and see how things have been looking that you guys are tracking your progress. That's really cool. Not liking that 401k loan and the consolidation debt. In fact, an episode's coming out in the new year of someone who has taken a 401k loan out in the past to fix their things. Then their debt went all the way back up.

• 28:55Caleb Hammer?

  And now they're talking about taking a 401k loan again out to consolidate their new version of their debts. And it's like their fifth time repeating this process. That's my, that's the one thing that I'm nervous about, especially with a $1,000 emergency fund. You know, I get that that's like the Ramsey solution. I prefer the money guy solution where it's like, make sure you can cover your largest deductible, you know, maybe one or two month emergency fund to get started before aggressively paying off of that debt. Make sure you're changing that behavior again. That is, that is the mostly big thing, lowering your monthly bills. That's fantastic. And the increase in income, that's fantastic. And paying off over $3,000 in debt in two months is fantastic. Don't consider the taking out the 401k loan is paying off debt though. I don't know if that's in there. If it's not, I'm very happy, but just be very cautious. Make sure you're changing your behavior.

• 29:38Caleb Hammer?

  You're not taking that as a shortcut and then you build your debt all the way back up again. Okay. Be cautious. I'm happy of the update so far. Little nervous in that 401k. Be cautious.

• 29:47Speaker 02

  My name is Tabby. I'm 26. I'm from Houston, Texas, and this is Financial Audit. So I do have only, um, but it is, yeah, I have a my own OF account. But it's a pure passive income. I make about extra like $200 a month. I haven't posted since 2021 and most of my content was with people who I were either hookups or were people I was dating at the time and stuff.

• 30:15Caleb Hammer?

  What is this? Why'd you get like a Best Buy credit card if you're gonna do something this stupid?

• 30:20Speaker 02

  Um, I didn't get approved for a Best Buy credit card, so that was an expat's option.

• 30:26Caleb Hammer?

  Yes. This is insane. And you don't even, how much do you make off of streaming? Nothing, cuz I just do it for fun. Hobby? Yes. A hundred twenty percent interest rate hobby? That does not make sense. And I'm not saying you shouldn't stream, don't get me wrong. I've been considering streaming myself for a long time and I just haven't cuz I'm scared. But, what? Yes, so like rent, food and stuff like that. Any amount of debt, borrow anything, take out mortgage, take out car loans, take out any kind of debt ever. And you think because it's something, a contract that you signed, but it doesn't mean life or death, you don't have to pay it? That's what you think? That's what you think debt is? That's what you think bills are? That's what you think managing finances is? That's what you think living is? That's what you think financial security is?

• 31:12Caleb Hammer?

  At this point, yes. You have coping skills, yes. You have behavior issues, yes. But the fact that you get to claim that word is disgusting. There are people with real issues. In fact, we've recorded with a couple, uh, we had a gambling addict recently. And we had another addict of an episode that's not gonna come up cuz it was just, you know, it was the sad and we wanted to help them get treatment instead of recording. But even still, that's addiction. You don't get to claim that word. So more so of a coping skill. Let's not throw words loosey-goosey.

• 31:48Caleb Hammer?

  Life has gotten significantly worse. I was homeless for a while due to circumstances out of my control. I attempted suicide, lost my job because of it, and a lot of other things. Absolutely horrible time since the episode. I am horribly sorry to hear about this update and that you lost your job through the attempt. And that you were homeless for a while. Please do not hesitate to reach out to us. I haven't heard anything uh, from you other than this. And I would have been happy to connect you with resources and been there during that hard time. And you know, make sure you're definitely calling 988 if you're ever in that situation again, please. And do not hesitate to reach out right now.

• 32:31Caleb Hammer?

  As we told you and we told all the guests, you know, with having filmed with Hundreds and hundreds of people now, we, you know, we know, we're not like reaching out to every single person every single day like, hey, how are you doing? How are you doing? How are you doing? How are you doing? It's like, please, just as we told you, reach out to us anytime. You are not annoying us. I promise.

• 32:51Speaker 07

  Hi, my name is Sawyer. I'm thirty six from Waco, Texas, and this is Financial Audit. I can't work.

• 32:58Caleb Hammer?

  I, why?

• 33:00Speaker 07

  I don't have a driver's license.

• 33:02Caleb Hammer?

  Okay, so let's get you a license.

• 33:04Speaker 07

  Okay, let's do it.

• 33:05Caleb Hammer?

  Okay.

• 33:06Speaker 07

  Need ten thousand dollars.

• 33:07Caleb Hammer?

  What the are you talking about?

• 33:09Speaker 07

  I have to pay off about ten thousand dollars.

• 33:12Caleb Hammer?

  What are the citations for?

• 33:13Speaker 07

  Uh, no license, no insurance, no registration from when I was.

• 33:18Caleb Hammer?

  What would it have cost at the beginning if you just dealt with this?

• 33:21Speaker 07

  Like twenty five thousand dollars.

• 33:23Caleb Hammer?

  How the are you driving DoorDash right now?

• 33:26Speaker 07

  Um, so I use other people's accounts.

• 33:30Caleb Hammer?

  But you're driving without a license.

• 33:32Speaker 07

  Yeah, that's why I use somebody else's account.

• 33:33Caleb Hammer?

  Oh, my. So you're just, I mean, you're gonna get arrested, right? At some point? Somewhere they're gonna be done with your.

• 33:40Speaker 07

  I got arrested a couple of weeks ago.

• 33:42Caleb Hammer?

  And?

• 33:43Speaker 07

  On the way home.

• 33:44Caleb Hammer?

  And?

• 33:45Speaker 07

  It's just another addition to the money that I owe.

• 33:49Caleb Hammer?

  No, you're probably relying on your girlfriend.

• 33:51Speaker 07

  No, I make more than she does by a lot.

• 33:55Caleb Hammer?

  Confusingly, illegally.

• 33:59Speaker 07

  Hey, she.

• 33:59Caleb Hammer?

  How are you making money?

• 34:01Speaker 07

  Um, I mean, like I said, I do a lot of reselling. Street pharmacist part time, I guess.

• 34:10Caleb Hammer?

  What are you selling?

• 34:11Speaker 07

  Just marijuana.

• 34:12Caleb Hammer?

  Pharmacy wise?

• 34:13Speaker 07

  Just.

• 34:13Caleb Hammer?

  People still need to do that? What about?

• 34:15Speaker 07

  It's not legal here yet, so.

• 34:17Caleb Hammer?

  I know, but they grow like in half the buildings in Austin. You can just go in and buy it. See what is happening? I have not played video games in a store space? Storage?

• 34:27Speaker 07

  Yeah, my, my storage unit.

• 34:29Caleb Hammer?

  Why? You have a house?

• 34:31Speaker 07

  It's, I don't have enough space for the stuff. Plus, I'm trying to make room for my girlfriend's stuff.

• 34:36Caleb Hammer?

  Your stuff? Yours? She's gonna move in with you?

• 34:39Speaker 07

  I'm trying.

• 34:40Caleb Hammer?

  Into the unlivable place?

• 34:41Speaker 07

  No, we're trying to get one of the other units.

• 34:44Caleb Hammer?

  You want to rent from this guy?

• 34:45Speaker 07

  No, but it's cheap and it would help us both save a bunch of money.

• 34:48Caleb Hammer?

  I think it's cheap for a reason.

• 34:49Speaker 07

  Yeah. And it's month to month, so we don't have any like.

• 34:52Caleb Hammer?

  I get it. It's just like whether or not I can have running water, that's usually not a compromise.

• 34:58Speaker 07

  But all the ones that they've like fixed have it for now. So I feel like we could stick it out for a year, save some money, then get into somewhere that doesn't suck.

• 35:07Caleb Hammer?

  Con appliances. What are we appliances? What appliance do you have? Oh, it doesn't matter.

• 35:11Speaker 07

  No, that's from my roommate that went to jail.

• 35:14Caleb Hammer?

  What do you? Okay. Why, why do I have it in front of me?

• 35:16Speaker 07

  He didn't have any credit, so I.

• 35:19Caleb Hammer?

  I'm gonna kill you right now. That is so bad. Never do that again.

• 35:27Caleb Hammer?

  Lost my job literally the day after recording. Got a notice of a second rent increase effective in January. Car broke some more. About the only highlight is that most of the credit cards are paid off. Man, I'm sorry that you lost your job after that next day. I, I'm, I'll be honest. We, we need to be real about this, right? You know, this is the, the tough left part. I'm not surprised. You know, you're using literally fake identification and borrowing other people's cars and just a lot of other illegal things, man. You, you, I'm glad that most of the credit cards are already paid off. Second rent increase effective in January and car broke some more. Listen, man.

• 36:07Caleb Hammer?

  The thing is, your ship, a lot of it stems from the personal choice of just not taking care of the traffic issues that you were dealing with in the past, not being mature enough to settle those.

• 36:21Caleb Hammer?

  And then getting an actual updated license and registration and everything you need to do.

• 36:27Caleb Hammer?

  You need to get your together. There's obviously signs of progress with the credit cards, but that rent increase with how cheap your rent is should not honestly be an issue for you. It really shouldn't. I am sorry about that job loss. We need to go get another job immediately. We need to be Ubering to McDonald's or literally wherever. I don't care. We need to get money in. That is the focus now. Please feel free to reach out. We can connect you with any resources that, you know, would be appropriate for your situation, but. It's honestly time to kind of adult up for the first time and pay off those traffic bills immediately. Because you shouldn't be getting them in the first place and it's it's still kind of a joke as it was before. And that is not the life you should be living.

• 37:08Caleb Hammer?

  It's time to mature up to our age and I'm saying that from a place of love, saying that from a place of tough love. And I know it's it's kind of hard to hear, but it's time to actually get your shit together, man.

• 37:18Speaker 06

  My name is Candace. I'm thirty four years old. I'm from Temple, Texas, and this is Financial Audit. It's it's been a year for sure. I've definitely done a lot more and accrued a lot more, not not a lot more debt, but more.

• 37:34Caleb Hammer?

  Why?

• 37:36Speaker 06

  Well, I I didn't mean to. Things just happened and I didn't have an emergency fund, so I couldn't pull from that to.

• 37:42Caleb Hammer?

  Working on it's been a year.

• 37:44Speaker 06

  Yep, well, so.

• 37:46Caleb Hammer?

  So what'd you do? Have you gotten another job?

• 37:48Speaker 06

  Yes.

• 37:50Caleb Hammer?

  Yeah, really? How much? What are we doing?

• 37:51Speaker 06

  I'm doing Instacart.

• 37:53Caleb Hammer?

  Is that a proper side job then, instead of working hourly somewhere in the evenings?

• 37:57Speaker 06

  I I'm not perfect and.

• 37:59Caleb Hammer?

  Okay.

• 38:00Speaker 06

  Look, I'm not perfect.

• 38:01Caleb Hammer?

  Oh, that's such a bold. That's such a cop out.

• 38:04Speaker 06

  That well, that's what I got. I mean, I can't really, I did what I did and I can't change it.

• 38:09Caleb Hammer?

  What if I walked over there and I punch you and I was like, sorry, guys, I'm not perfect. But this is an excuse it. It's not a reason.

• 38:16Speaker 06

  No, I please don't punch me.

• 38:18Caleb Hammer?

  I would never punch you. I'm not a.

• 38:19Speaker 06

  Okay.

• 38:20Caleb Hammer?

  I'm not a physical anger kind of person.

• 38:22Speaker 06

  All right.

• 38:23Caleb Hammer?

  That's just an example of just like.

• 38:25Speaker 06

  I owe my aunt. She's the one that loaned me the money and that's who I'm paying back and she wants to be paid back in cash. So I withdraw.

• 38:33Caleb Hammer?

  Porno's delivery. I mean, no, no, no, you you put some towards your debt. It was just repurposed then again towards another card and your spending is so ridiculous. Like, this isn't a positive audit or this isn't a positive follow up. This isn't like you've gone necessarily worse. This is like we've stayed the same and it's really disappointing.

• 38:54Speaker 06

  Yeah.

• 38:55Caleb Hammer?

  It's like.

• 38:55Speaker 06

  I I realized that when I was like reviewing everything and.

• 39:00Caleb Hammer?

  The numbers, they moved, but they stayed the same. Gosh, you've just made it harder for yourself. This is what happens for everyone out there. This is what happens when you just kick the can down the road because just going out and to eat, getting the in-app gems and whatever, and just the life we're used to, even if you cut back a little and you just sustain a lot of the life you're used to, you're just kicking down the can, you're kicking the can down the road, eventually it just comes, you just, you get to the moment, and what are you gonna do? You're gonna have no choice, just like with your dog situation, you have no choice but to go into debt, and when this car breaks down, you'll have no choice but to go into debt. What are we gonna do? We're gonna borrow family money? Like, you know, like, yes, your credit

• 39:45Caleb Hammer?

  score is good, but your debt-to-income ratio is not great. So like, I just saw you a year ago, you'd be a fourth of the way through this, a fourth of the way through this. That's incredible, but now you have to start all over again. That's what kicking the can down the road does. So now you're gonna be thirty-eight, and you're dramatically behind in retirement for your age. You will be dramatically behind in retirement for your age.

• 40:07Caleb Hammer?

  I got nearly fifty thousand dollars in student loans forgiven. I had to buy a new vehicle. I'm still trying to pay down all of the debts and trying to continue to lose weight. Whoa, student loans forgiven. Listen, I know your behavior isn't what got the student loans gone, but they are gone. Let's take that as a blessing, and let's redirect those funds to making progress in other areas. So with the new vehicle being purchased and everything, maybe the extra minimum payment that would have gone to the student loans can go to paying that off quicker, and you're still trying to pay down your debt, and I'm happy to hear about the weight loss. So just keep grinding it out. Let's make sure we're following a budget. Listen, your follow-up that we recorded and posted on the main channel before, we had the financial audit follow-up

• 40:48Caleb Hammer?

  channel, it wasn't the most positive, and I really wanna see a positive second follow-up, okay? So redirect those funds, follow the budget, and I'm excited to see you make some progress.

• 40:59Speaker 02

  I'm Daphne. I'm thirty-four. I'm from Huntsville, Texas, and this is Financial Audit.

• 41:06Speaker 02

  Right after I got divorced, I got into a situation with somebody I knew from work. And um.

• 41:13Caleb Hammer?

  How quickly after the divorce?

• 41:15Speaker 02

  Well, like immediately. It was like a rebound, right? I guess is what they would call it.

• 41:19Caleb Hammer?

  Okay. Like the day after?

• 41:23Speaker 02

  Maybe, maybe. I get sort of, yes.

• 41:27Caleb Hammer?

  Okay.

• 41:29Speaker 02

  So I knew him, right? We worked together. That's how we met.

• 41:34Caleb Hammer?

  Wait, how long have you married?

• 41:36Speaker 02

  Almost five years.

• 41:38Caleb Hammer?

  Did you guys ever have any kids?

• 41:39Speaker 02

  Yes.

• 41:40Caleb Hammer?

  And you got with this person a day after?

• 41:44Speaker 02

  Yes, but see what I thought he was like the love of my life.

• 41:48Caleb Hammer?

  A day after divorce, okay.

• 41:51Speaker 02

  Yes.

• 41:52Caleb Hammer?

  Sure. And you thought he'd be living with you?

• 41:55Speaker 02

  Yes, like I thought we were gonna be, we were gonna be in love.

• 41:59Caleb Hammer?

  But he was married?

• 42:00Speaker 02

  Yes, so I was under the impression that he was the same kind of married that I was, which like.

• 42:06Caleb Hammer?

  What kind of married is that?

• 42:08Speaker 02

  Which is like.

• 42:08Caleb Hammer?

  That's insane.

• 42:09Speaker 02

  No, hear me out. So like.

• 42:12Caleb Hammer?

  I, okay. No, I'm hearing you out. It just doesn't really vibe with my personal morals on that.

• 42:16Speaker 02

  Right, no, no. Legally.

• 42:19Caleb Hammer?

  Thing. We're trying to get context for how he ended up here. So go ahead.

• 42:23Speaker 02

  We were together maybe six months?

• 42:26Caleb Hammer?

  You and the married guy?

• 42:27Speaker 02

  Yeah, married.

• 42:29Caleb Hammer?

  Banging it up, banging it up. You were.

• 42:33Speaker 02

  Well, yeah, of course.

• 42:34Caleb Hammer?

  And he was married?

• 42:37Speaker 02

  Yes.

• 42:37Caleb Hammer?

  That's home wrecker behavior.

• 42:38Speaker 02

  Technically, that is true.

• 42:41Caleb Hammer?

  Yeah.

• 42:41Speaker 02

  Embarrassing.

• 42:42Caleb Hammer?

  Yeah, let me look this back to finances. So you signed a lease expecting to live with him because you thought he was the love of your life?

• 42:47Speaker 02

  Well, like.

• 42:47Caleb Hammer?

  A married man that you met.

• 42:50Speaker 02

  Wait, wait, wait. So yeah, the plan is to just keep doing it until it doesn't work anymore, I guess. And I think that's how all relationships are.

• 42:59Caleb Hammer?

  Well.

• 43:00Speaker 02

  I know I said situationship, which I don't like saying that because it makes him sound bad and he's.

• 43:05Caleb Hammer?

  Yeah, but how long you guys actually together when you're together?

• 43:08Speaker 02

  Oh, so I have every other Friday off. So normally I go like a long weekend, like Thursday night to Sunday night.

• 43:14Caleb Hammer?

  All right. Good luck for you guys.

• 43:16Speaker 02

  And same for him when he comes to see me. That maybe if we had known these things about each other, we would have just broken up. But we didn't. We got married.

• 43:25Caleb Hammer?

  Well, lasted five years somehow.

• 43:27Speaker 02

  Yeah, I know. Shocking.

• 43:28Caleb Hammer?

  Okay.

• 43:32Caleb Hammer?

  I got a raise, stopped eating out as much and have started building my savings. Love that. Stop eating now. That was a big thing for you. The raise. Make sure we're not redirecting that money in wrong ways with the raise and then all of a sudden stop eating out. We have extra money. There's not a pile of money. Where are we putting that? You're building your savings. You say, good. I want to see progress in all the areas with the debt as well. And it's not just about the savings. So when you come back on, I want to say, I want to see debt free and I want to see a good chunk emerged. Okay.

• 44:01Speaker 02

  I'm Lydia. I'm 40 years old. I live in Austin and this is financial audit.

• 44:06Caleb Hammer?

  Why is your rent 2400?

• 44:09Speaker 02

  I, I also have a grand piano and a grand piano does not live in a studio apartment.

• 44:14Caleb Hammer?

  Get rid of it. I don't give a

• 44:16Speaker 02

  Yeah, I do give a

• 44:17Caleb Hammer?

  And you can't pay for groceries? I think that's a self inflicted. That's you.

• 44:21Speaker 02

  Yeah.

• 44:22Caleb Hammer?

  That's you making a choice because of a want that you wanted. How's that going?

• 44:25Speaker 02

  Yeah, it's not going well, obviously, or I wouldn't be talking to you. I've been trying to pay that one off, but using lower

• 44:30Caleb Hammer?

  Purchases. Trying to pay something off does not equal more purchases. You say you know, but why is it happening then? This is, this is still horrendous.

• 44:40Speaker 02

  I know.

• 44:41Caleb Hammer?

  Okay.

• 44:42Speaker 02

  You don't have to keep saying that it is.

• 44:44Caleb Hammer?

  I do.

• 44:45Speaker 02

  You don't. I know that it is.

• 44:47Caleb Hammer?

  Okay. Usually when people know things, they then would change it.

• 44:52Caleb Hammer?

  But you haven't. So maybe I do need to keep saying it.

• 44:55Speaker 02

  Okay, keep saying it.

• 44:56Caleb Hammer?

  Okay. Trust me, I will. It's my show, girl.

• 44:58Speaker 02

  Sing. Hear yourself sing.

• 45:00Caleb Hammer?

  Beautiful voice.

• 45:01Speaker 02

  Mm hmm. I'm just saying, I know where I can improve.

• 45:06Caleb Hammer?

  You can slap them in the post show if you want.

• 45:09Speaker 02

  I, I don't, I don't slap. I punch.

• 45:12Caleb Hammer?

  Let's play hypothetical. Gun to your head. You're inside of an elementary school. What would you pick? A, the car or your rent?

• 45:24Caleb Hammer?

  Still working, still paying off debt, not buying a house. Looking to downsize to save money when my lease ends in July. Looked into selling my car, but leads didn't pan out. Just trucking along, nothing fancy. Ah, my combative nemesis. Not really, of course. Ah, you know, this is, I get it. Heat of the moment, things get a little, little. I'm happy to hear that you're still paying off debt. I wish I knew the progress on paying off that debt and looking to downsize. I know the complication with the piano. Leads didn't pan out for selling in your car. I'm curious what looking into selling my car is. You know, what was that? How did we put in a day's worth of effort? I'd be, I'd be curious, but I'm happy to hear that at least still paying off debt, still working.

• 46:08Caleb Hammer?

  Let's get that downsizing, maybe put the piano in an AC temperature controlled storage thing, because I know it's very important in the family heirloom status of it. And maybe we're looking at that car a bit more because I don't know if you fully want to sell it. But oh, let's keep getting updates from you. Okay.

• 46:25Speaker 05

  Hi, my name is Travis. I'm 25 from Fort Worth, Texas, and this is Financial On It.

• 46:30Caleb Hammer?

  Like, I feel like I can't operate on my day unless I make a pie chart. You know, anything can be an addiction. And the fact that you're in that situation, that's obviously very hard. And I bet that's also quite expensive.

• 46:40Speaker 05

  Um, I have found a way to make it a lot cheaper than what I have seen in the past.

• 46:45Caleb Hammer?

  Maybe no.

• 46:47Speaker 05

  It's one of those, I mean, I used to spend like $200 to $300 like a week. And then now it's down to 80 and it's, you know.

• 46:55Caleb Hammer?

  A week?

• 46:56Speaker 05

  Yeah.

• 46:56Caleb Hammer?

  How? You don't have to give us specifics, but just in general.

• 46:59Speaker 05

  You know, new science technologies, that type of stuff. Newer stuff is better, so you, less of it.

• 47:06Caleb Hammer?

  So more concentrated sources?

• 47:11Caleb Hammer?

  Interesting, that is far and beyond.

• 47:13Speaker 05

  But it's like.

• 47:14Caleb Hammer?

  Cause I'm not interested in that thing, so I don't know.

• 47:17Speaker 05

  Yeah. And then it's one of those, it's like, there's that one, which is like the one that concerns me the most. But then I do have a recreational hobby that is becoming a problem.

• 47:26Caleb Hammer?

  Two time.

• 47:28Speaker 05

  It's one of those, so yeah, it's one of those, a lot of fun.

• 47:34Caleb Hammer?

  Okay, and we've bleeped, we've bleeped the specific substance. But I was not expecting that, my dude. Okay, so how, how, how common is that?

• 47:45Speaker 05

  Um, I mean, that one's about a hundred dollars a week.

• 47:48Caleb Hammer?

  Oh, so this is an ongoing thing?

• 47:51Speaker 05

  Yeah, that was more recent.

• 47:52Caleb Hammer?

  Are you on this right now?

• 47:53Speaker 05

  No, well, depending on how, right now, it's one of those probably...

• 47:59Caleb Hammer?

  When was the last time it was consumed?

• 48:01Speaker 05

  Eighteen hours.

• 48:03Caleb Hammer?

  Okay, how often do you consume this?

• 48:05Speaker 05

  I mean, daily.

• 48:06Caleb Hammer?

  Okay, so that, that's not happy. That's, that's not a, we're gonna have a party situation. This is a, we're doing this.

• 48:14Speaker 05

  Every day is a party, but no, yeah, it's one of those, it's definitely a, we're doing this and, um, you know, steps are being taken to not.

• 48:24Caleb Hammer?

  Well, I've paid off all my credit card debt, paid off my car. The girl I was dating, I went to rehab for, broke up with me. I got a second job and promoted up to a shift leader. I moved into a house and December will be the last month that I have to pay for rent and mortgage. Thank goodness. My Whataburger won the Water Games. It's a competition that Whataburger throws between Whataburger units and winners get bragging rights and a nice cash bonus. I made a friend at one of my jobs and her and I got each other's names tattooed on one another. I'm learning how to bartend. Kind of funny for me to learn that because I don't drink. I've been focusing on developing myself from a good manager to becoming a leader, finding ways for my teams to trust in my leadership and have them want to follow me in my decisions.

• 49:08Caleb Hammer?

  The only debt I have is my student loans now. I haven't put a date to when it will be paid off, but it should be another 12 months approximately. And then I'll be debt free and will focus on putting in a bunch of my money in my 401K to achieve 100K before I turn 30 years old. That's the primary plan. While doing that, secondary plan is to save money for emergency saving and a big purchase I have coming up in the next five to 10 years. Travis, honestly, this update is just one of my favorite things that I got to read today. Like, I'm happy to hear that it sounds like you've stayed clean. I'm happy to hear that everything is going well at Whataburger. Like, you are just...

• 49:50Caleb Hammer?

  I want to lift you up on a pedestal, man. Actually, you know what? Uh, we're, we're doing a live show in February. I want to invite you to come on. Uh, you know, not for just a major update, but just to, just to have, you know, hundreds of people cheer for you. Just showing that the staple, I want you to, you are the staple of someone who can be at their lowest. Get the help, listen to some tough love, put in the work, change things around. You are a winner, man. You are a winner and I'm so proud of you. Keep going, man. I'm, I love you, dude. I, I seriously do. I'll reach out. I want to get you on that show. Okay? I want to celebrate this victory with you.

• 50:27Speaker 06

  Hi, my name is Amber. I'm 46, based out of Round Rock, Texas, and this is Financial Audit.

• 50:35Speaker 06

  I had to support a whole nother human being.

• 50:36Caleb Hammer?

  Okay, why was he not working?

• 50:37Speaker 06

  He wasn't working because he was undocumented.

• 50:40Caleb Hammer?

  Oh, rip. Okay. Why is the marriage ending so immediately?

• 50:44Speaker 06

  Because he decided he wanted to send a dick pic to some 20 year old in Argentina. I wish I knew Spanish, so I could ask her if she was satisfied with it or not, because it is, you know, objects, um, appear bigger than they actually are in real life in photos.

• 50:57Caleb Hammer?

  Have you practiced that one?

• 50:58Speaker 06

  No.

• 50:59Caleb Hammer?

  Yeah. How long were you guys dating before?

• 51:01Speaker 06

  Uh, three weeks.

• 51:03Caleb Hammer?

  Okay, what was this? What the?

• 51:06Speaker 06

  Okay, I will tell you.

• 51:07Caleb Hammer?

  This is crazy.

• 51:08Speaker 06

  I will be, had I known that alone, that this man literally had to have a continental breakfast every morning, I literally would not have married him.

• 51:14Caleb Hammer?

  And it wasn't true love at that point. You guys couldn't have known. That's hard to know. Then the dude's out there sending pictures of that, you know, uncut hero.

• 51:23Speaker 06

  I don't budget. I've admitted that like many, many, many times. I don't budget and I, I need to.

• 51:28Caleb Hammer?

  About budgeting. You said, you know, this is at the credit limit and you want to get it below, so your minimum three payments are lower. Then why would we purchase on this card?

• 51:37Speaker 06

  But we're not.

• 51:37Caleb Hammer?

  This card.

• 51:38Speaker 06

  We're not.

• 51:39Caleb Hammer?

  You did it in this statement, in this statement, this statement. We're only talking about this. Oh, hey, hey, no. We're only talking about the statement that exists.

• 51:47Speaker 06

  Yeah. And if you look at it, what purchases are on the statement, Caleb? There aren't any purchases on that statement because the card was over the limit.

• 51:55Caleb Hammer?

  True.

• 51:55Speaker 06

  For the amount of money that I spent that day on DoorDash, I could have bought four meals instead of one.

• 52:03Caleb Hammer?

  Seven and a half dozen eggs could stretch further than four meals.

• 52:07Speaker 06

  Nobody is going to eat that many eggs.

• 52:09Caleb Hammer?

  That's your choice.

• 52:10Speaker 06

  Nobody's going to eat that many eggs, Caleb. It's not going to be your collection at all.

• 52:15Speaker 06

  That's not good for your cholesterol.

• 52:16Caleb Hammer?

  It's a How are you? How have you existed?

• 52:19Speaker 06

  Are you on blood pressure medicine?

• 52:20Caleb Hammer?

  This is, I probably should be after this conversation. This is the episode where I finally lost it.

• 52:25Speaker 06

  That is a new credit card.

• 52:27Caleb Hammer?

  People have always asked, and I've asked myself as well, two and a half years into this thing, what's the episode where I'm gonna lose it?

• 52:33Speaker 06

  You wanna talk about my Ally card now?

• 52:36Caleb Hammer?

  Oh, dating coach?

• 52:37Speaker 06

  I was lonely.

• 52:42Caleb Hammer?

  Adding more income, literally in November, and in bringing in $1,000 a week with that. Yes, it's legal. I'm redoing the budget that I got from the financial lauded and should have all my credit cards fully paid off in two months. I would love to come back on the show in January to give a bigger update. Quote, she got a better job, so did she change her ways? On if that helped as well, like if the business actually generates sales. Oh, man. You, that was a special episode, wasn't it? Uh, I still, you know, one of those candles smells very nice. I very much like them. Hope that business has been going well.

• 53:23Caleb Hammer?

  Man, when we just got that back and forth, I have not been so just like emotionally angry very much on this show, but when you could not understand that you could just buy rotisserie chicken for $5, maybe $6 now. Woo, but I am so happy to hear about that more income, bringing an extra $1,000 a week, like let's and go. I'm glad it's legal. I don't know why you had to specify that. You're redoing the budget that you got. I don't know why, but I do love that you are paying off the credit cards in two months. I better receive that email or you come back on the show when those credit cards are done. I want to hold you accountable to that two months that you're promising right now. Hi, my name's Casey. I'm 34 years old, based out of Georgetown. Texas and this is financial audit.

• 54:09Caleb Hammer?

  Responsible in any way whatsoever. You can't pay anything. You're never paying anything. Got a car repoed. Adding to your debt on this last one. Pause, not pause, pause. I did not get the car repoed. The car was voluntarily surrendered in the process of me trying to catch up on my payments because. They were gonna repo if you didn't. My finance company lost my payment. Had they not, I would still have that car. Okay, you know, you have to, you have to be behind payments for like many, many months for that to even be in that situation. Be exact. There you go. And I just started the job that I just left. And had they not lost that payment, I was gonna make two payments with the next check because I had massive overtime.

• 54:51Caleb Hammer?

  You have to understand that I was making bank at that job, but I wasn't happy. Yeah, but then you still have to pay the bills that you took out, though.

• 55:00Caleb Hammer?

  Right, but again, I would still have that car with, which had a lesser payment on it. Honestly, all of this really started going south when I lost that car because my car payment shot up by like 200 bucks. And so that's. Because you ended up getting a car that was unaffordable to you because. It's the car they gave me, Kayla. Cave, no. It's the car they showed me. I needed a car. I'm so really, so if anyone shows you anything, you're just gonna buy it? No. I'm afraid for the next time you have to get another car. They're gonna show you a car and you're gonna be like, okay, that's my car. Understand, when it comes to cars. Yes, I've never gotten a car before. When it comes to cars, I typically do research. I typically do the research. This is literally the one time where I did not.

• 55:44Caleb Hammer?

  And it's destroyed your finances, so. Yeah.

• 55:49Caleb Hammer?

  I lowered my phone bill by a lot, got a raise in my current job, plus picked up a second job. And I'm currently looking to move into a cheaper apartment once I can find the one I qualify for. Listen, I'm happy you lowered your film bill. I don't think that was the, uh. Entirety of what we're discussing, but the research job and the second job. Looking to move into a cheaper apartment. That is, that is what I like more than anything. Cause that was our big sticking point when having the conversations that you're just like, couldn't live more, less than two seconds away from their family. Like we are in a massive suburban area. You can live in Round Rock, you can live in North Austin, you could still be close. I've gone to Georgetown many a times and I am not that far north. Okay?

• 56:34Caleb Hammer?

  So the thing is,

• 56:38Caleb Hammer?

  I'm glad to hear things are doing okay. I hope with that increased income and with the decrease in our living expense, that you start making a bit more progress. A little bummed I haven't heard about more progress than just that. Okay? But keep going.

• 56:50Speaker 02

  Hi, my name is Morgan. I'm 29. I'm from Charlotte, North Carolina, and this is Financial Audit.

• 56:56Caleb Hammer?

  Okay. So what's, what's going on here? What is happening? What, what is happening?

• 57:01Speaker 02

  So I have an ex-husband. I was married before.

• 57:04Caleb Hammer?

  An ex-husband, 29?

• 57:06Speaker 02

  So out of the divorce, I got $600,000.

• 57:11Caleb Hammer?

  The?

• 57:13Speaker 02

  Yes.

• 57:13Caleb Hammer?

  Why?

• 57:15Speaker 02

  Um, that was part of our settlement. Um, so I could have taken more, but I didn't, which I'm kind of now regretting a little.

• 57:22Caleb Hammer?

  Wait, why could you have taken more and why didn't you? When did you get the 600,000?

• 57:25Speaker 02

  Two years ago.

• 57:26Caleb Hammer?

  Okay, what the is it?

• 57:27Speaker 02

  Uh, well, I bought a house, 330,000, so I don't have.

• 57:31Caleb Hammer?

  That's half the cash.

• 57:32Speaker 02

  Yes. I bought it sight unseen. We had to renovate it completely, like gut job. The renovation was like a hundred thousand dollars.

• 57:42Caleb Hammer?

  You don't know where that other 150,000 to 200,000 dollars went, do you? You don't know.

• 57:46Speaker 02

  And he was twice my age. Um, so I think.

• 57:51Caleb Hammer?

  Forty?

• 57:52Speaker 02

  I definitely think I was groomed in the beginning.

• 57:55Caleb Hammer?

  That's a strong word.

• 57:58Speaker 02

  You know, he would get mad at me and like throw me out of the house or.

• 58:01Caleb Hammer?

  Why? Wait.

• 58:02Speaker 02

  But he had kind of this idea of like any male that I had a conversation with or that I knew.

• 58:07Caleb Hammer?

  Oh, this dude's weird.

• 58:08Speaker 02

  Basically, yeah.

• 58:13Caleb Hammer?

  I was able to negotiate with my credit card to pay off $500 a month for five years with 0% interest and close the account. I received the cease and desist from my ex-boss for what I said on the show. I've been working my new job. I haven't cut my frivolous spending completely, but it has gotten better. With the cease and desist, yeah, I do remember that. You did email us about that. Hopefully that goes all well. Let us know if you need any help because you really didn't say anything too pungent for what it's worth. You know, we can work with you and help you on that. But I know that was a complicated situation. Say hello to your husband who I went to school with and you know, we didn't even know that. That was a fun little thing that we found out in the post-show. But hey, listen, negotiating your credit cards is pretty good. Make sure you're

• 58:56Caleb Hammer?

  actually changing your behavior though. Don't take that as a shortcut. Don't take that as a win. It helps the progress, but take it seriously and keep going. Are you feeling overwhelmed by your financial future? Whether it's planning for retirement, saving for a home, or managing your investments, navigating these decisions alone can be really stressful. In fact, 70% of Americans report feeling anxious about their finances. And as someone who lives and breathes financial education, I understand why. That's why I want to introduce you to Domain Money. Unlike traditional financial advisors who charge ongoing fees that can eat up to 25% of your returns over 30 years, Domain Money operates differently. They charge a one-time

• 59:37Caleb Hammer?

  flat fee, ensuring their focus stays on building your long-term wealth. Now that I'm in the process with my certified financial planner, Adriana, she will take a comprehensive look at my entire financial picture, from spending and saving to investments and tax strategies. What impressed me the most was their personalized approach. There's no cookie cutter solution. Instead, they create a customized plan aligned with your specific goals and circumstances. And the best part? You can start with a completely free strategy session. No preparation needed, no commitment required, just the opportunity to sit down with a CFP professional who's legally bound to act in your best interest, once you become a client, and discuss your financial future.

• 1:00:21Caleb Hammer?

  Domain Money will help me develop clear strategies for my future real estate investments and identify tax saving opportunities I hadn't considered. If you're ready to take control of your financial future, visit domainmoney.com/caleb or click the link in the description to book your free strategy session. Caleb Hammer is a current client of Domain Money and has received cash for a free plan as compensation for this endorsement and therefore has an incentive to promote Domain Money. See important disclosures at dmnmny.com/co/x.

• 1:00:52Speaker 02

  Hi, my name is Sylvia. I'm 50 years old. I'm from Houston, Texas, and this is Financial Audit. A year at least, probably.

• 1:01:00Caleb Hammer?

  Okay, so after that, why didn't we save up a full year emergency fund if we knew that was a reality in our situation? Why are we going into debt for that if this was a thing that was ongoing? In the good times, wouldn't we prepare for the inevitable rain that we knew was coming from living in a historic rainy place?

• 1:01:18Speaker 02

  Yeah, no, I've never had an emergency fund.

• 1:01:20Caleb Hammer?

  You've never had an emergency fund?

• 1:01:23Speaker 02

  I was a single mom for 10 years.

• 1:01:24Caleb Hammer?

  Congratulations. Get an emergency fund. What?

• 1:01:28Speaker 02

  No, no good reason.

• 1:01:28Caleb Hammer?

  Woo, good job, but get an emergency fund. Okay, so $180,000, you didn't pay taxes. So we owe back taxes, but for the sake of future taxes, are you at least setting just 25, 30% aside?

• 1:01:40Speaker 02

  I'm hoping to now. Yeah, no, I haven't been.

• 1:01:43Caleb Hammer?

  Fun fact, we're in the 10th month of the year, so I don't think the IRS listens to laughter and allows that to be settled debt from the previous year. It doesn't like enrage me by any means. It's like you're just putting yourself in a harder position for a good intention and a good heart. I mean, I like that. That's wonderful, but it doesn't work for you right now. It's just, it's not necessarily an option. How much is your current rent?

• 1:02:13Speaker 02

  $25.50.

• 1:02:16Caleb Hammer?

  Oh, it's expensive. We are at $63,000 hours of unpaid taxes, but that's incorrect because you have two years, 2022, 2023, and we're gonna have 2024 of unpaid taxes, probably gonna be like 120 something thousand hours of unpaid taxes, which is insane. Why are you in debt for TikTok shop?

• 1:02:35Speaker 02

  Because if I can pay it out.

• 1:02:36Caleb Hammer?

  It just is better. Huh? I just want to pay it out. What is paying out? Like pay it out over time. You can't. Your minimums are stacked up. Everything is so stacked. Oh, whoa, that was the end of the debt. It is. Unless is there more debt that I have not talked about? I think we're missing one. Oh, good. What is it? Um, I recently had to do a loan because I had to travel for work. You said it gets paid for. It does, but not ahead of time. And then you never pay it off anyway. You just spend it on you.

• 1:03:12Caleb Hammer?

  I have now paid off 10,000 dollars in debt and following a serious budget, but my daughter is still not speaking to me. So I lost that relationship, which is a huge loss in my life. The depression of not having one of your children during the holiday is real. That said, I've heard from people that it was a good episode and that it probably helped a lot of others in my same situation. Hey, you were uploaded during Fast Stack Week. We all love you. You're one of the nicest, most kind people and I hope everyone in the audience liked you. I think they did. Uh, I think it was a very positive comment section for that episode. Paying off $10,000 since then is incredible, like seriously incredible. I'm very sorry to hear about the relationship thing though, and that is a big loss.

• 1:03:54Caleb Hammer?

  I, you know, just hopefully time can heal some wounds there and, you know, you're able to get back into each other's lives. And, you know, I'm really sorry, especially in the time of Christmas and whatever you celebrate is, I know that can be really difficult. But yes, it was a very good episode and I'm sure a lot of people related to it and I am so happy with the progress you made. I hope that everything ends up being, um, okay in the family situation as well. I'm Rachel. I'm 23 from Dallas, Texas and Mrs. Financial Audit. But the financial situation. Did he break up with you or did you break up with him? He dumped me. Okay, why? He ran into his high school crush. Okay, don't like that. Yeah. Yeah. I mean, there's certainly responsibilities. Yeah. Yeah.

• 1:04:39Caleb Hammer?

  Uh, so that sucks. I'm sorry to hear that. Child support?

• 1:04:46Caleb Hammer?

  Just splitting.

• 1:04:49Caleb Hammer?

  Um. Again, you're not, you pay the bill. Yeah. But so whenever you do the math, like based on his income. Yeah. Whenever we split. Mm-hmm. He was paying.

• 1:05:01Speaker 04

  Me more than he would have on child support.

• 1:05:04Caleb Hammer?

  Why ain't so much credit card debt?

• 1:05:06Speaker 04

  The tattoos I put.

• 1:05:08Caleb Hammer?

  The first one we're gonna look at is eight thousand six hundred twenty one dollars with the three hundred twenty six dollar minimum payment. That is all tattoo debt.

• 1:05:16Speaker 04

  That's not all of it. Not all of it. I've put about ten thousand on tattoos in the past year.

• 1:05:20Caleb Hammer?

  In the past year? Well, now I know why you said it. That's insane. Ten thousand dollars? Yeah, it's not a we're dropping our kid off and I'm running late to a meeting. No, this is every day at this point, or at least every other day. So it's not just a I was running late for a meeting, so I stopped. You're endlessly doing it.

• 1:05:41Speaker 04

  Yeah, I have a coffee problem. Um, I actually.

• 1:05:44Caleb Hammer?

  Then make it at home and chug a pot.

• 1:05:49Caleb Hammer?

  I was on the show back in June twenty twenty four. I'll go over some of the finance updates, then life or whatever else after. I broke down, compared my finances when I was on the show versus now as well. A few things to note, I haven't gotten any new tattoos. I invested more time to therapy, paid for by my employer, and have gotten to a way better mental place. My financial issues were rooted in my mental health struggles. I literally did not care about debts at all because I didn't think I would live long enough for it to matter. I've gotten a lot better before being on the show, but since then I'm doing way better. I sold the aura ring and used the money to pay off the affirm balance and the extra money paid off a different affirm balance. I no longer have any pay in four type loans. These have all been paid off.

• 1:06:31Caleb Hammer?

  Additionally, the debts that my ex pays for bed and couch are way closer to being paid off. The bed or firm is paid off and the couch credit card will be paid off in February twenty twenty five. I did accept the loan from my dad to pay off one of my credit cards. He loaned me thirty five hundred dollars and I pay him back ninety dollars a month. But I did have to use the car for emergency medical expenses for my son. This prompted me to start working on my emergency fund, which I didn't have at all before. I also switched insurances with my company to one that has an HSA fund with company match. I do not use the card regularly, but had no other options when these medical expenses came up. automatic payments set up for my Apple card, which I've canceled. I didn't even know they existed,

• 1:07:16Caleb Hammer?

  but it was an annual charge. Frowning face. I canceled that membership. I canceled that membership. Again, I don't use this card regularly. I refinanced my auto loan from 12.45% APR to 10.35% APR. I intend on refinancing in a couple of months, expected to bring it down to 8%. Generally, everything else has stayed the same. I moved, which lowered my utilities a bit, but the rent and fees stayed the same. My ex and I are discussing a change in childcare to save us both some money for that as well. But that's still a work in progress. I'm still paying minimums on credit cards with the occasional additional payment when possible. She then let us know about her son's hospitalization and some of the costs associated with that. I've been trying to get a second job, but once we discussed the schedule, they back out.

• 1:07:59Caleb Hammer?

  Unfortunately, my dad's cancer has gotten worse and my mom's overall health has gone downhill. So I don't have any family who's able to watch my son while I work. So because of this, I'm going back to school for my bachelor's degree in IT management. I start back on December 1st and hopefully this degree will help with future financial growth. I'm paying $0 out of pocket. Education is completely covered by a Pell Grant. Because I'll be enrolled full-time, my federal student loans will be in deferment while I'm at school. My private student loan will have a smaller monthly payment, $100 a month, which frees up about $170 for me to put towards my other debts with higher interest rates. Now, the big update. I filmed with Mr. Beast not long after the show, and I'm not entirely sure the portion I filmed will be aired. Keep an eye out, December 19th on Amazon Prime.

• 1:08:44Caleb Hammer?

  Given the fact that I can't discuss the Mr. Beast stuff yet, and so many of the variables in my financial life are still up in the air, I'm holding off on a follow-up episode. Once I get my raise and pay off a bit more debt, I will be happy to go back. Still have a hammer financial score of zero, but I'm working on it. Thank you for the huge update. I'm happy that things are going well in general. And I had refinancing, it's not like the biggest refinancing, but you know, I guess if it's down to 8% from the 12, I don't, it's a repeating narrative throughout this episode. It's, I don't want you to think that that is the progress. I still need you to absolutely obliterate it, because even if you get down to 8%, that is still not considered a good lot of my Book on a depreciating asset. If we're talking about what's actually accumulating in the market on average, all up years, down years combined.

• 1:09:28Caleb Hammer?

  It's right around eight percent historically. So listen, I am happy that in relative in relative sense, we are seeing a positive update on your end. But I don't, I just, you know, I just caution on that viewing that as a win, but keep on.

• 1:09:42Speaker 06

  Hi, my name is Abby. I'm thirty six years old from Waukesha, Texas, and this is Financial Audit.

• 1:09:49Caleb Hammer?

  It's a

• 1:09:50Speaker 06

  No, it's not. It's a bubble.

• 1:09:52Caleb Hammer?

  It's a

• 1:09:54Speaker 06

  That's a kid's toy.

• 1:09:56Caleb Hammer?

  Guys, we're gonna retire successfully as a couple and pay for our colleges, our kids' college. Why? Hope.

• 1:10:01Speaker 06

  His kids probably won't go to college.

• 1:10:03Caleb Hammer?

  Huh?

• 1:10:03Speaker 06

  His kids probably won't go to college.

• 1:10:05Caleb Hammer?

  Are they not your kids too?

• 1:10:07Speaker 06

  Okay, I guess they are my kids.

• 1:10:08Caleb Hammer?

  Why? Why? Why? You calling them stupid?

• 1:10:12Speaker 06

  No, they're just

• 1:10:15Speaker 06

  they don't look at, they'd rather do service jobs.

• 1:10:19Caleb Hammer?

  What are you saying?

• 1:10:21Speaker 06

  I'm just, I don't know. That's not something you have to go to college.

• 1:10:23Caleb Hammer?

  No, you're saying something. What are you saying?

• 1:10:27Speaker 06

  They

• 1:10:28Caleb Hammer?

  What's wrong with his kids? Your kids? What's wrong?

• 1:10:31Speaker 06

  I mean, they got their own issues.

• 1:10:33Caleb Hammer?

  You guys get along?

• 1:10:34Speaker 06

  We've had multiple issues about like his spending and his finances. And that's why we just don't talk about it because

• 1:10:42Caleb Hammer?

  What are the issues?

• 1:10:44Speaker 06

  I mean, his spending.

• 1:10:45Caleb Hammer?

  Well, okay, but you said multiple problems. What? Oh, did he lie about his debt?

• 1:10:50Speaker 06

  Yeah, and like how much he was actually making. Well, I do now. Like we've, we've had, well, not fully, but

• 1:11:02Caleb Hammer?

  Why weren't you making payments in general? You've had a job.

• 1:11:05Speaker 06

  It was like six hundred dollars. It was really

• 1:11:08Caleb Hammer?

  Yeah, cuz that's your payment.

• 1:11:10Speaker 06

  I know.

• 1:11:11Caleb Hammer?

  And you're an adult. What are you doing? So again, so again, we just have, we literally have another reason why the mortgage shouldn't be behind. Mommy and daddy were paying for it.

• 1:11:25Speaker 06

  That was back in January.

• 1:11:27Caleb Hammer?

  But still, you just, you've given me a second reason why we shouldn't be behind. You're making this so hard. Why punish yourself this way? You're making your life so

• 1:11:41Caleb Hammer?

  Hard. You've destroyed your life. You have destroyed your life and I need that to be clear. I'll feel bad about it and it's okay for you to feel bad about it, but I need to be crystal clear that you have destroyed your life. And the reason why I need to be clear about that, even if it is brutal and makes you feel bad, is because I need you to not destroy your life again in the future. Cause what you have done up until now is not put yourself in any position of any goodness.

• 1:12:14Caleb Hammer?

  I sold all my inventory from my side hustle of selling Hello Kitty items and used that money to pay off one of my cards and will put the rest in savings. I called on my Bank of America credit card and settled the debt down to 10,000 and will pay that off in six months. I am still working at getting better with budgeting, but I have been making attempts to really buckle down on excess spending. Uh, dude, you were, you were just on the show. It feels like, and this is incredible that so much has already happened. And I'm glad you got rid of those heli, Hello Kitty items and everything. That's crazy. Um, but settled down to a thousand dollars, paying that off in six months. You better actually pay that off in six months and that you're getting better on budgeting. Um, these are, these are good signs. So just pay that off in six months and I want to see proof that you did.

• 1:12:57Speaker 04

  Hi, I'm Maya. I'm 24 years old. I'm from Vista, California, and this is Financial Audit.

• 1:13:05Caleb Hammer?

  Honestly, that leads me to your hobbies. I, I never get like a hobbies point. I have notes here and I never have like hobbies. I don't go look through the hobbies, but what do the hobbies read? Likes to eat out. DoorDash slash Uber Eats. Dating. Likes to buy people meals. Buying people gifts. Tattoos. Vaping. Probably not the best hobbies across the board. That is not bad, but the buying people meals thing with our finances. So, okay, we have debt, but those are our hobbies.

• 1:13:38Speaker 04

  Okay. I, a thing about that is I don't like when other people pay for me. So I kind of always insist on paying for everything else. And it kind of feels that it's like something that can be held against me. Like, you know, okay, well I paid for this. So now you like have to have with me or now

• 1:14:00Caleb Hammer?

  Yeah, and then say fuck off.

• 1:14:02Speaker 04

  I know, and I have a hard time with that. So instead, I just insist on paying and then that takes out of the equation.

• 1:14:10Caleb Hammer?

  Then I would say, you paid for me. Now I feel like less of a man. I deserve to be slept with.

• 1:14:17Caleb Hammer?

  You immediately only started with what he did, which again, out of the control, that and that is a part of the answer. But what about what you've done?

• 1:14:26Speaker 04

  I went into a black hole of spending. I went into retail therapy. I went into

• 1:14:33Caleb Hammer?

  Over when? When for what? Because of this?

• 1:14:35Speaker 04

  Like probably this entire year at least, from like January up until now.

• 1:14:40Caleb Hammer?

  What does that mean? What does that, what does that look like?

• 1:14:42Speaker 04

  That looks like me spending $2,500 on a trip.

• 1:14:47Caleb Hammer?

  Well, you know, some of the things, you know, some of your numbers. You think you spent more than you did. You know, you spent more than you did. Uh, more than you made. So you know some things, but then you go and you go McDonald's and Barnes and Noble and refuse to change any of the behavior. So you have the knowledge behind it and the refusal to do anything about it, which to me pisses me off.

• 1:15:11Caleb Hammer?

  I've gotten my three jobs and have been working them ever since the end of the episode. I've doubled my income, possibly plus a little more. I've paid off three credit cards. Whoop, whoop. And I've stuck to my goals slash plans of cutting my expenses. I am three cards away from eliminating all my credit card debt while consistently making payments toward my student loans, et cetera. Once I am there, I'm going to begin saving up for an emergency fund. I've started therapy as well on a regular basis. I had started during the show, but forgot to include it in my episode. Overall, I'm making small but good steps towards my goal. I have also cut financial ties with my family. Whew, three jobs and just going and going and going. Good job. I definitely love to hear that.

• 1:15:53Caleb Hammer?

  Three credit cards as well, like this, these are, these are the big ones that I am all about. And you'll get your emergency fund, then you'll get your retirement on track. Listen, small steps are big steps in my book. If you're actually Making it towards the goals. That is what matters here. This is a show about progress and growth, learning from our mistakes, not beating ourselves up from the mistakes. Once we start going forward and actually making progress and making our lives better. And you are doing just that and I am very proud of you. So as many of you know, I've been a big supporter of Course Careers for a long time. I'm not just a partner. I actually own stock and I'm an investor. So why did I partner with Course Careers? Because I truly believe in what they're doing. A lot of people have questions about online certifications

• 1:16:38Caleb Hammer?

  versus traditional college degrees. Let me be clear, I wouldn't put my name behind something unless I knew it worked. The thing is, not everyone has the time or resources to spend four years in college or take on massive student loan debt. Course Careers offers a practical, affordable way to launch a career in a high demand field like tech sales, IT, and accounting, where companies are hiring based on the skills needed, not broad college degrees. In fact, right now, one in three companies are dropping degree requirements and that number is only going to continue to grow. I know some people think online programs are a quick fix, but that's not the case here. Course Careers takes effort and commitment, but they provide you with a streamlined, proven path.

• 1:17:18Caleb Hammer?

  They offer up to date, self-paced courses, one-on-one or group coaching from people that work in the industry, and most importantly, they help you actually get hired. Just look at graduates like Namesso, who went from driving FedEx trucks to a cybersecurity job at Disney. That didn't happen by chance. He put in the work and Course Careers guided him every step of the way. And what truly sets Course Careers apart is that it's not just about learning skills, but landing a job. Their curriculum is designed based on what employers actually need, and their network of industry coaches will guide you through the entire process, from learning the skills to interviewing, resume help, and beyond. So if you're serious about starting a new career without wasting years or piling up debt,

• 1:17:58Caleb Hammer?

  give Course Careers a try. Start with their free intro course linked in the description to explore your options. And when you're ready, use the link in the description for $50 off the full course. Your future starts right now and Course Careers is here to help you shape it. Hi, my name is Elena. I'm 34. I'm from

• 1:18:15Speaker 04

  Enderberry, Texas, and this is Financial Audit.

• 1:18:18Caleb Hammer?

  So you make 2,000 hours a month. How much did you spend?

• 1:18:23Speaker 04

  Oh, I need help, Caleb.

• 1:18:24Caleb Hammer?

  Well, no, that's why everyone's here. That's not a, that's not a cop out. Whether it was a conscious full, it was a conscious effort, whether it was a full frontal conscious effort of, I am gonna go get McFries over my child's future. No, but in there, you still made the choice to do it, knowing that you were going to stop paying out of debt in order to get a McFry. I don't care what you did two days before the show. Two days before the show is nothing. That's a scramble to look decent before you sit at this table. That's nothing. It's the actions that we've been doing for months, for a year, for a decade.

• 1:19:04Caleb Hammer?

  Those are what we break. And so, no, I'm not gonna sit here, give you a high five for that. I'm not. I'm sorry. It's just, that's not helpful to you. It's really not.

• 1:19:14Speaker 04

  It's not.

• 1:19:15Caleb Hammer?

  20% of your paycheck, 1% of your paycheck, 1%, and now we're up to 10, because we decided we didn't want to pay $20, but we wanted to spend $250 getting McNug. You don't learn anything. How much did you take out of your 401K?

• 1:19:32Speaker 04

  It was like 8,000.

• 1:19:35Caleb Hammer?

  Buddy, how much do you have? Not even the worst people on this show have not paid their affirms.

• 1:19:41Speaker 04

  Uh, wow. I didn't think I was the bad one. One of the bad ones.

• 1:19:44Caleb Hammer?

  If you put 20% down on a car and it's a three-year loan and you can't afford the minimum monthly payment, or it's more aggressive than 8% of your income, you can't afford it. Stretching out the term does not mean you can afford it. Paying it, you're accruing food, freeze, food fees are all because of you and your actions and your spending and your lack of discipline and your inability to budget or have any sense of maturity in your life or care for your future or child's future financially. That is not an answer. This is a podcast. You give an answer.

• 1:20:17Speaker 04

  Okay, I'm sorry.

• 1:20:19Caleb Hammer?

  No, no, no. I need to know why you fully recognized what you needed to do, what was wrong and what was required to get out of this a month ago and you've done nnnn nothing until the couple of days before you knew you were coming on this table. Why?

• 1:20:39Caleb Hammer?

  I've paid off some of my debt and have gotten a second job as well. I'm trying my best to stay within my budget, but there's days where I've fallen off the wagon. I've also started meal prepping. Second job, paying off some debt, things are looking good. I get it, listen, it's, it's, it's hard. Sticking to a strict budget is very difficult. It's just the, the reward in the end, I promise is worth it. Keep going, find ways that keep you on a little better, you know, maybe reward yourself for hitting certain milestones. If that keeps you on the budget, listen, my philosophy has always been, and I know it's a little hard to see in an hour and a half episodes, three times a week, but I, I, I am true about this.

• 1:21:19Caleb Hammer?

  If it takes, let's pretend two years to pay off a debt with a hard strict budget and having no fun with a 75% completion chance, but it could take two and a half years to pay off the debt because you're setting little rewards along the way to spend some money and that has a 95% completion chance. I'd rather do the two and a half years, okay? So don't be too hard on yourself, but also make sure you're holding yourself accountable at the same time. And just set goals and expectations correctly and do it in a good, healthy way.

• 1:21:48Speaker 02

  Hi, my name is Heather. I'm 21 years old. I'm from Washington and this is Financial Audit.

• 1:21:55Caleb Hammer?

  How do you feel living in that area on $2,500 a month?

• 1:22:01Speaker 02

  It's expensive and it's hard.

• 1:22:05Speaker 02

  And I, I struggle a lot, especially because I,

• 1:22:14Speaker 02

  I spend a lot of my mom's money. She's probably given me about $200,000 in the past five years.

• 1:22:22Caleb Hammer?

  What, that's, that's an insane amount of money. How does she giving you that much money in the last five years?

• 1:22:30Speaker 02

  About, yeah. And I work for her, so I, I make, I make the money from her business. And then she kinda gives me extra money.

• 1:22:39Caleb Hammer?

  Nothing at your job, get paid some money for it and then siphon two hundred thousand dollars.

• 1:22:47Speaker 02

  Yeah.

• 1:22:47Caleb Hammer?

  Why don't you listen to her? And why doesn't she stop you? What? I'm so confused.

• 1:22:52Speaker 02

  Honestly, I don't know. Um, I mean, I know why I don't stop. I don't know why.

• 1:22:58Caleb Hammer?

  Why don't you stop then? Why don't you stop being a selfish, speech of crap?

• 1:23:02Speaker 02

  Cause I like to shop. Um.

• 1:23:06Caleb Hammer?

  That's worth just taking advantage of your mom being a disgusting human being, bottom of the barrel trash, washed up on shore, needs to be thrown back into the depths of the ocean? You'd rather be that?

• 1:23:17Speaker 02

  No.

• 1:23:18Caleb Hammer?

  But you are. What do you mean? You just said, I'm not stopping because I wanna shop, shop. And yeah, your spending is ridiculous. What do you mean?

• 1:23:27Speaker 02

  Honestly, I don't know.

• 1:23:29Caleb Hammer?

  That's not an answer. That's not an answer. That is not an answer.

• 1:23:34Speaker 02

  I guess I kinda just struggle with the whole like

• 1:23:41Speaker 02

  stopping myself from buying stuff. Um, like today, I bought a whole new outfit for the show.

• 1:23:52Caleb Hammer?

  The show, the show about not spending money?

• 1:23:54Speaker 02

  Yeah.

• 1:23:54Caleb Hammer?

  You do, what do you?

• 1:23:56Speaker 02

  That was a.

• 1:23:57Caleb Hammer?

  Shouldn't you be wearing that hell of self-love? You're not self-loving. You're just destroying your mom's finances. You're not self-loving. I'm sorry, I had to interrupt you. Rewind for a second. What are you talking about? You're doing better. You spent five hundred dollars going out to eat.

• 1:24:12Caleb Hammer?

  What are you talking about?

• 1:24:13Speaker 02

  Sometimes I go to more expensive places too. Like my husband and I will go out to restaurants.

• 1:24:19Caleb Hammer?

  Also dude, just your miscellaneous bull category, which we're gonna go through so much spending here in a little bit is uh, two thousand five hundred ninety-eight. It's literally what you ninety-four dollars more than hits your account on a monthly basis. So the rest is borrowed through mommy?

• 1:24:33Speaker 02

  Yeah.

• 1:24:34Caleb Hammer?

  Borrowed. Wow. This is, this is insane.

• 1:24:38Speaker 02

  And I, I think, I can't remember what degree I was going for. I can't remember if it was just straight psychology or if it was um, applied behavior analysis. But I was going through for one of those there. Um, and.

• 1:24:54Speaker 02

  Ah, I can't remember why I let I I ended up falling behind and left that one too.

• 1:24:59Caleb Hammer?

  Uh, the next So you can't remember why for both. Okay, that's great. That's gonna prevent us from doing it again.

• 1:25:03Speaker 02

  The

• 1:25:05Caleb Hammer?

  I need you to like separate from your mom somehow. I need her to like stay alive, but not in being like not.

• 1:25:14Caleb Hammer?

  Ah, I just need like the you need to not be able to have access to her somehow. This is like, cause I have no problem with someone helping someone out and I have no problem with asking for help either. But what she is doing and taking care of you and babying you and doing all this.

• 1:25:33Caleb Hammer?

  You're never gonna grow the up or learn how to budget or learn how to manage your finances. You're never gonna be able to be independent ever. And you take advantage of it so crazy, dude, your mouth is never delatched from those. Dude, you are still right up on them.

• 1:25:52Caleb Hammer?

  I don't borrow as much money from my mom anymore and I do pay her back when she lets me. We live on a base or housing and utilities are completely paid for by the army. Glad to hear you're not borrowing that money from your mom. Um, and that you pay her back when she lets you. I'm not a hundred percent sure what that means, but now that your living expenses are, you know, down, let's redirect that, pay her back all the way and actually take control of your life. Okay?

• 1:26:16Speaker 02

  Hi, I'm Vanessa. I'm forty two years old and I'm from Round Rock, Texas. This is Financial Audit.

• 1:26:24Caleb Hammer?

  Just to let you know, I don't know if this is gonna impact anything or not, you know, but my finances are worse now than they were when I sent these statements. My finances are worse and honestly, a little stunned to hear that because how can they be worse? Because the spending on these credit cards is some of the most and it's some of the most insane spending I've ever seen on active interest accruing credit cards ever. And then to come in here and say, my finances have gotten worse, worse. I didn't know that was possible. So I just wanted to call that out because the audience wasn't here for the pre film conversation. How long have you guys been together?

• 1:27:07Speaker 02

  Probably five.

• 1:27:08Speaker 04

  Five years, six.

• 1:27:09Caleb Hammer?

  It's marriage on the horizon. That's a while to be together.

• 1:27:12Speaker 04

  We don't talk about it. I'm not.

• 1:27:14Caleb Hammer?

  You know your salary. What came in? You know, budget. Have you never looked at an account?

• 1:27:18Speaker 04

  I try not to.

• 1:27:22Caleb Hammer?

  Why would you possibly spend nine thousand hours? It's not about looking down on your job. It's not about looking down on your income. It's not about looking down on your life. It's not about not knowing how much comes in. It's about the fact that you spent three times your and then you tell me it's actually worse now. Your financial situation has gotten worse now. So tell me, why would you possibly spend nine thousand dollars when three thousand dollars comes in?

• 1:27:50Caleb Hammer?

  You are a literal baby.

• 1:27:52Speaker 04

  Totally.

• 1:27:53Caleb Hammer?

  Come on, like legitimately. Sounds like too much work. What do you mean? You call. Do you have a phone? There it is. Google, call. This is easy. It's probably on the website. Are you serious?

• 1:28:06Speaker 04

  I guess it's true.

• 1:28:07Caleb Hammer?

  Or you potentially wane, or you potentially get on something else, or you potentially see a therapist on a weekly basis. So you develop better coping mechanisms around this. This is simple stuff.

• 1:28:17Speaker 04

  Is it?

• 1:28:18Caleb Hammer?

  Also, millions of people have ADHD. Doesn't mean millions of people live like this.

• 1:28:24Speaker 04

  Yeah. I live like this. Yeah.

• 1:28:28Speaker 04

  The rest. No, well, it's more. It's definitely more than that. That's just what I saw recently. Um, it could be closer to eighty. It's all convoluted and ridiculous and it's

• 1:28:39Caleb Hammer?

  I was just trying to type something in and I believe I heard eighty thousand. The fuck are you? What are you talking about? You said twenty. How twenty? You have no respect for money.

• 1:28:55Caleb Hammer?

  I deleted my Free People app, banned, reinstalled, ordered two more things, felt immensely guilt, and have since stopped shopping in general. Paid off about three thousand dollars in debt since the show in late October. I made an appointment to seek therapy with an in-network doctor for early January and am back on my meds currently. Signed up for an IDR plan to pay off student loan debt, but have yet to utilize the help offered from the show. I will be looking into that financial stuff soon when I feel more stable and prepared to move into that headspace. The BF has been holding me accountable to my spending habits, so I'm not shopping. I have caught up my credit cards to stop accumulating more debt. Deleting free people is the best thing you could have done. That was the most insane thing I've ever seen.

• 1:29:36Caleb Hammer?

  That was crazy. $3,000 in debt for an episode we just filmed is absolutely incredible. And that you are seeking a therapist is great. Again, we can connect you with three free therapy sessions. I don't think we had that in place at that time. We're always trying to grow our resources list for our guests and for our audience. So things are great. The income deferment, our income based repayment, you know, we'll see how that works with the new administration. You really never know. It kind of depends on the Department of Education, whoever's leading them. It also depends on what the Supreme Court says, which they're likely going to hear something on these income based repayment plans. So mostly because of the save plan, I do believe. So keep your ear to the ground for that, but keep up this progress. This is really good.

• 1:30:19Speaker 06

  Hi, my name is Ellis. I am 23 year old from Dallas and this is Financial Audit. I got coddled a lot, like in my adulthood, and that's one of the reasons why.

• 1:30:28Caleb Hammer?

  By who?

• 1:30:30Speaker 06

  My ex typically.

• 1:30:31Caleb Hammer?

  Your ex? Okay.

• 1:30:32Speaker 06

  Yeah, a lot. So when I moved, um, because I failed out of Baylor, came home, went to community college, and then I moved out to Arizona. He coddled me a lot in that aspect because I wasn't.

• 1:30:44Caleb Hammer?

  Doing what?

• 1:30:45Speaker 06

  I was going to school again.

• 1:30:46Caleb Hammer?

  Yeah, what was coddling? Come on.

• 1:30:48Speaker 06

  He would pay my rent because I was not making enough money to live in Phoenix.

• 1:30:51Caleb Hammer?

  It sounds like you're just trying to take an excuse for why things are bad today and why you're not doing well now.

• 1:30:56Speaker 06

  I think, I think, I think he is to blame. I'm gonna be honest with you. I think he is to blame.

• 1:31:00Caleb Hammer?

  The fuck are you? What do you mean? Do you have no ability to self reflect internally and take any kind of responsibility? Barely even looked at your numbers yet, but that's insane.

• 1:31:13Caleb Hammer?

  Credit score will be 600 by February 2025 and I started paying on my big college loan. I'm glad to hear you started paying on the big college loan. I wouldn't have expected anything too big because again, we just filmed with you. Even sooner than the last one that we were talking about. So credit score being 600 by February. Yeah, that's not my biggest goal for you. This is mostly actually taking control of those big debts. And if you've started paying on it, that's a good start. Also, let's be pretty, pretty, uh, pretty strict. And get your butt back on here in like five months and let's see what's happened. My name is Ethan. I'm 24. I'm based out of Houston, Texas, and this is Financial Audit. Um, so I'm a day trader currently. Wow, you must be doing okay then. I it's it's complicated. Do you live at home?

• 1:31:59Caleb Hammer?

  Uh, I live with my aunt currently. For free? Uh, no, for 500 bucks a month. But you've taken two up. How are you paying for that? So I've I've I've liquidated a lot of my assets over the last couple of months. 24 whatever you're taking away all the compound growth and time that you have in the future of your life. What what assets? So I, well, I'll I liquidated my Roth, uh, first of all. Roth what? My Roth IRA. Okay. I had a personal one opened up at some point. Wonderful. Yeah, let's do that. Our tax advantage account, something that would be tax free by the time you're 59 and a half. Do you know the statistics around day trading?

• 1:32:38Caleb Hammer?

  I I don't, but I didn't pull from it just to pay for trading. I pulled from it to pay for rent, so. Wait, you've been on an offer for four years and you've only ever taken out $400? I've taken it. I've taken out. I've made about 3, 4,000, but I've only taken about 400. Enough to survive. Uh, leanly for a couple of months. Now, what's your account at? Which account? All your day trading accounts. Is about $500 profit right now. No, no, no, no. What's the balance, buddy? Uh, 50,500. Okay, so you're trading with 50,000. Okay. Yeah. So obviously you can day trade because you're over $25,000 in your account, which is required to have in order to make more than three day trades. It's not mine, though. The 50,000 isn't mine.

• 1:33:26Caleb Hammer?

  Uh, explain that. So, uh, the 50,000 is it belongs to something called a prop firm. So I paid $50 for it and then another 100 to activate it. And there's no loss liability, though, so. If I blow the account, I don't owe them anything. I, yes, I was behind last month. No, what were you smiling about? Is that funny to you?

• 1:33:53Caleb Hammer?

  It's a reaction, I trying to control it.

• 1:33:58Caleb Hammer?

  So you were behind on payments, but you just caught up because you were able to sell an NFT? Yeah, it was kind of a last resort and I didn't know existed until I. You didn't even know you had it? No, I didn't know, I didn't want to sell it. And then I had just got to the point where I was so behind that I kind of had to. What is our plan for income? Is there another NFT waiting? No. And we know that you can't deal with at least a single responsibility in your life. And especially can't deal with them when I'm dealing with everybody else's responsibilities as well, so. I'm sure it's a big load of bullshit on everything you've said this entire conversation. Cause you've lost all reliability as a trustworthy person. You can believe what you want to believe. I mean. Not to believe that after this entire conversation. Forty minutes into the you around.

• 1:34:44Caleb Hammer?

  Yeah. And being a child. Yeah. Come on, run in life, not in this interview, but I mean, you're actually, I mean, you're giving me what you think, but you are a literal baby. You were like just born. I know I'm insulting you. I like, but I don't give a like, I mean, it's, I'm kind of disgusted by your existence.

• 1:35:03Caleb Hammer?

  It's a joke.

• 1:35:07Caleb Hammer?

  It's been five months. In that time, I'd quit multiple jobs, began DoorDash in full time, was forced to find new living accommodations, took a trip home for a week, continued donating plasma and working on my day trading, got even more behind on most of my bills. My credit card probably got worse, but starting this next month, I'll be taking some decent sized chunks out of my debt to hopefully be debt free sometime in 2025. I don't think I missed anything. Things got slightly worse after my episode, but they say things get worse before they get better. So we're close to getting better. Oh yeah, I also roped one of my friends into day trading and he's making about five times more than I am because I'm that great of a role model.

• 1:35:47Caleb Hammer?

  Why have you quit multiple jobs and being forced to live and new things? And roping your friends into day trading. Listen, they're doing well for now, but there is no guarantee that they will. This is a disappointing update. I'll be honest. But this is what happens when we film four to five times a week, we're gonna have people that do well and we're gonna have people that do less. Our method has been proven to work and we're gonna share information at that. I'm gonna share information at that at the end of this episode. But even with the ups and downs, even with more ups than downs, there are downs and I don't know, you might need to come back on, reach out, come back on, you might need a good slap in the face.

• 1:36:30Speaker 07

  Hi, my name is Will and I'm 35.

• 1:36:32Speaker 06

  Hi, I'm Hannah and I'm 35 and we're from Gerald, Texas.

• 1:36:35Speaker 07

  And this is Financial Audit.

• 1:36:37Caleb Hammer?

  You don't trust her, your wife. You don't trust your wife.

• 1:36:43Speaker 07

  Uh, well, I mean, I trust her.

• 1:36:44Caleb Hammer?

  That came down to.

• 1:36:45Speaker 07

  Yeah, okay, maybe that came out wrong. But I mean, I have, I think, insecurities about.

• 1:36:51Caleb Hammer?

  Based on what?

• 1:36:53Speaker 07

  Based on, um, I mean, I think that we have different ideas sometimes of wants versus needs, I think.

• 1:37:01Speaker 06

  We might disagree on what type of furniture is needed for the home, but I think that home environment is important.

• 1:37:08Caleb Hammer?

  Important is different than need.

• 1:37:11Speaker 06

  I know.

• 1:37:12Caleb Hammer?

  Need is survival.

• 1:37:13Speaker 06

  I think that to mentally be okay, a home life needs to feel homely and not barren. So if we could loop on to that really quickly, not to try and divert away from the fact that I believe that a house feels homely and it feels good. And that is an important need for, we have two children. I, I feel that I too don't, cannot trust.

• 1:37:42Speaker 07

  Okay.

• 1:37:42Speaker 06

  If we combine.

• 1:37:43Caleb Hammer?

  She specifically chose not to watch the channel.

• 1:37:46Speaker 06

  Yes.

• 1:37:46Caleb Hammer?

  You wanted to come on, you pushed to come on as a couple and you didn't want to see anything because you wanted to be surprised.

• 1:37:52Speaker 06

  Yeah.

• 1:37:52Caleb Hammer?

  Which is, I mean, that's awesome, by the way. That's like brave as, as it gets. But, um, taquitos here is typically stopping at a gas station, getting some bolt purchase.

• 1:38:02Speaker 06

  Got it.

• 1:38:02Caleb Hammer?

  Cause we don't know what it is. And there was this guest who refused to give up literally getting taquitos for dinner every day.

• 1:38:08Speaker 06

  God.

• 1:38:08Speaker 07

  So it's an inside meme. It's a doctor.

• 1:38:10Speaker 06

  Ah, I understand.

• 1:38:11Caleb Hammer?

  Pepper, his taquitos.

• 1:38:12Speaker 06

  Taquitos, interesting.

• 1:38:13Caleb Hammer?

  Cause we, apparently we can't buy those in bulk at Costco.

• 1:38:15Speaker 07

  I do, I do that as well.

• 1:38:17Caleb Hammer?

  Oh, good. So.

• 1:38:18Speaker 06

  And over in abundance is what I.

• 1:38:19Speaker 03

  I'm hearing actually from this side of the desk. We have an overabundance of taquitos at home.

• 1:38:27Caleb Hammer?

  You guys are just getting your wants. You're just flowing and swimming in your wants. When the needs are just barely being taken care of. Luckily, no purchases, but fifty-two dollars and fifty-two cents of interest accruing on the Citi Preferred Card.

• 1:38:41Speaker 07

  Yeah.

• 1:38:41Caleb Hammer?

  With a balance of two thousand four hundred thirty-four dollars. So now we're at almost thirteen thousand dollars of credit card debt. Only minimum monthly payment being paid on this. But again, I'll play more, much more important than a Shell card.

• 1:38:54Speaker 07

  Yeah.

• 1:38:55Caleb Hammer?

  Balance, six hundred thirty-two dollars. It's weird how that sounds good after your multiple thousands of dollars on other cards.

• 1:39:00Speaker 03

  Feel like we have a cycle of cars constantly coming in. That's not even on this debt, which then occurs more debt because then we have to fix the card.

• 1:39:10Caleb Hammer?

  And on the GPO, four thousand one hundred ninety-six dollars with a monthly payment of two hundred four dollars. What's the interest on this thing?

• 1:39:15Speaker 07

  It's like twenty-eight something.

• 1:39:18Caleb Hammer?

  No.

• 1:39:19Speaker 07

  Yeah, cuz it, what does it say? Is that it?

• 1:39:22Caleb Hammer?

  It doesn't have a rate.

• 1:39:23Speaker 07

  Yeah, it's not good.

• 1:39:24Caleb Hammer?

  No. Yeah, so it's in the twenties. It's somewhere in the twenties.

• 1:39:29Speaker 07

  It's like maybe twenty-four. I was guessing.

• 1:39:35Speaker 07

  I knew about this.

• 1:39:37Speaker 03

  I love that you think I know about all this stuff and yet you've literally confessed, you've literally confessed to not talking to me about my finances, not sitting down and talking with me and showing me any of these, not communicating very well, feeling overwhelmed. But I love that every single time I ask you about it, you go, you knew. Cuz every single, you knew, you knew that, you knew. No, I did not know.

• 1:39:59Speaker 07

  I told you, I, I mean, I've told you I pay two hundred and four dollars for the Jeep every month. I told you I had to take out a loan.

• 1:40:04Caleb Hammer?

  I, you, I, you. It should be we, guys. This is a disaster.

• 1:40:11Speaker 03

  Yeah.

• 1:40:11Caleb Hammer?

  The biggest thing that is preventing us from tackling this in the first place is the division. Uh, on my strict budget, three hundred thirty-eight dollars and forty cents is what you have left over on a monthly basis.

• 1:40:23Speaker 03

  Okay.

• 1:40:24Speaker 07

  And is that, and that's not, that's with her income?

• 1:40:27Caleb Hammer?

  Yeah, it's everything combined.

• 1:40:29Speaker 03

  It's all of it.

• 1:40:29Speaker 07

  I'm saying like, we're, we're walking into the summer. That's why I'm concerned.

• 1:40:35Speaker 03

  But you're not saying that we're totally sinking ship, just totally.

• 1:40:39Speaker 07

  Well, no, no, no. It's like we're, our expenses are higher than our income during those two months in the summer.

• 1:40:44Caleb Hammer?

  No, it's sinking, but in order to patch the holes, it currently takes 80 months to pay off our debt. So 80 months before you're allowed to have any paid for fun.

• 1:40:53Speaker 03

  Okay.

• 1:40:53Caleb Hammer?

  Like, come on, that's unacceptable. We're gonna be in our 40s.

• 1:40:58Speaker 03

  Right.

• 1:40:58Speaker 07

  Yeah.

• 1:40:59Caleb Hammer?

  Cause it's two and a half years.

• 1:41:00Speaker 03

  Right.

• 1:41:01Caleb Hammer?

  Right. So that's unacceptable and that's not even taking into account that you, we are underwater in the summer.

• 1:41:08Caleb Hammer?

  We started making progress after the episode and we're really excited and things got really stressful as a result over the summer. We started going back, we started going back to our old ways and lost most of the progress we made. We had a few issues with our cars. I ended up selling my Mercedes and Jeep, though I didn't make much profit. And after paying off the terrible loan on the Jeep, I used the remainder of the money to put down on a Ford Maverick. I have a car payment now, but I'm getting about double the gas mileage and I'm not spending anything on maintenance. I was previously spending close to $500 a month on repairs for the old cars. My wife did end up getting hired at a new school district and is making more now than she was before. Currently, she's driving about 30 miles each way for work every day and paying about $5 in tolls.

• 1:41:51Caleb Hammer?

  So we're moving closer in January and downsizing. Our current house's rent is up to $2,158, plus there's about $250 added on for pet rent, HOA, smart home fees, utility management fees, et cetera. So it's closer to $2,400 a month. We found a house that's a few blocks from Katie's new school, so when it's nice, she and our older daughter can walk to school. The rent is $1,850 and there isn't any HOA or pet rent or anything like that. So that should be a lot more manageable. Our younger daughter also got into daycare for employees, which is cheaper and includes lunches. So we'll be saving around $200 there. The other major thing that changed is that my wife and I really started looking at her mental health and talked to doctors.

• 1:42:33Caleb Hammer?

  So she's in therapy now and I'm on antidepressants, which I think has helped with our need and cope spend. But we still have had some missteps. We had a couple of trips to visit with family and that ended up costing. More than we were really comfortable spending, so we're recovering from that. I was reached out to talk about a follow up, but I've been really busy with work because we do a lot of industry shows just before the holidays. I was in two other cities every week until Thanksgiving. I think after we move, we might be able to, if there was interest in having us back. I think we're moving in the right direction now, but we still have a long way to go. The real struggle is staying consistent and not making mistakes that set us too far back and not making mistakes that set us back too far. Really sorry to hear that the contract wasn't renewed, but that you guys were excited and uh,

• 1:43:18Caleb Hammer?

  you know, started making some progress. Going back to your old ways, it happens when life gets stressful. So what happens when you don't have an emergency fund to cover those uh, those hard moments in life? So missteps, they happen. The co-spended happens, trips with the family. It's hard to say no to. It just gets really difficult in your guys' situation, man. I, I, I know the struggle's consistent and the mistakes are setting you guys back far. You really just have to hold each other accountable. Listen, everyone liked you guys. You guys are very pleasant people. I'm happy to hear that things are going well with therapy and that mental health is being taken seriously and

• 1:43:55Caleb Hammer?

  get your guys back on here. Sounds like you might need it. Okay? Hi, my name is Brooke. I'm 28. I live in Austin, Texas, and this is Financial Audit. It up so bad? Yeah. Well, I just forgot to pay it. And so then they closed it. How do you? And then I need to pay it. You have to forget to close it for quite a while. For a few months. Reach out. Well, I never. And you also have mail and apps. Yes. Emails and phone calls and Yeah, I do. Things that operate in civilization, so. But it's easier if you just put it over there, you know? Put it over where? Where you don't think about it in the space where you, where it doesn't exist. And I think that's kind of. Assuming it has credit, which is why when you go apply for these credits, you're not getting approved.

• 1:44:40Caleb Hammer?

  Right. So, but the other payday loans do approve you because it's such a high interest. So I've just been borrowing from myself. In that manner, because sometimes I can't make a payment at a certain time and I don't want the payment to be late because I don't want it to affect my credit. But the payday loans get paid off. What is your life? What are you? Also, I don't want to let go of certain opportunities, like being able to go out and have fun, have a good time.

• 1:45:04Caleb Hammer?

  Why is that not in the budget then? Again, you don't not make any money. So why don't you put those experiences and things that you value into the budget? Why don't you be in the budget and then you stick to the budget and then you do those things, but you do them in a way that you don't. Who's often have to borrow payday loans? I think. Why make a budget if you're not going to follow the budget? That's true. And that's why I haven't made a budget in a while because I haven't followed them.

• 1:45:24Caleb Hammer?

  When's the last time you made a budget? Like two or three years ago when I was moving. So I think I went out a lot with friends and. So the experience is going out, getting drunk. Why don't you get a little like pregame? You're spending a thousand three hundred dollars more than you make a month. How can you afford to buy drinks for other people? You're buying payday loans. I've done it. So I've done it. Yeah, via payday loans. Yes. She knows her numbers, dude. It is six oh nine. I'm on it. But that's worse. Yes. That's worse because you know it and you do it. Yeah, you don't have an emergency fund, meaning if anything happens, you have a car, you drunk drive, you hit something. Guess what? You total that car, you're not going to replace that car.

• 1:46:04Caleb Hammer?

  You don't have an emergency fund. Something pops up, something medical, family, a trip, a trip because someone passes away. You never know what happens. An emergency is an emergency. It's an emergency and you don't have a fund and you know how much you spend. I'm going out to eat. You know how much more you spend then brings in, but we say no. How much is the speeding ticket? It was like six hundred and something dollars.

• 1:46:27Caleb Hammer?

  Wow, those are expensive. Yeah. Don't speed down it. That I stopped speeding down.

• 1:46:31Caleb Hammer?

  As someone who definitely doesn't. Well, it's Texas. I mean, everybody speeds in Texas.

• 1:46:38Caleb Hammer?

  It's farewell out here. I'm inviting comedians on the show, guys. You don't have insurance. Yes, but I'm, I'm working on that. You can get it in a thirty minutes. How long have you been working on it? How long have you been working on it? A while. It's really expensive. It's really expensive. You spend six hundred dollars a month going out to eat you. Yeah, I could probably, yeah, put that to that. What happens if you get in a car crash now? Because now you're not insured at all and now you don't have an emergency fund. I drive a lot safer now that I got a ticket.

• 1:47:07Speaker 02

  I mean, I'm just

• 1:47:07Caleb Hammer?

  I only drive to the bars or refuse to get an Uber. I got a speeding ticket for going quick and it's a $600 one. It's gonna go to collections before you know it. They're gonna feel like, oh, I'm not getting my 441. Let me sell for pennies on the dollar and then they're gonna try to fight to get it.

• 1:47:20Speaker 02

  They've been calling me, yes.

• 1:47:21Caleb Hammer?

  Yeah, but pay it now. No. How much is in your checking account right now?

• 1:47:27Speaker 02

  Like $78?

• 1:47:30Caleb Hammer?

  How? You make too much money for that. How possibly? Oh, wait, I know, because I've seen your checking account. I'm gonna die. What is your preference for your consumption of the Nick?

• 1:47:45Speaker 02

  I just vape, but it's only when I'm drinking. Like, it's probably after a night of drinking.

• 1:47:48Caleb Hammer?

  Stop. You're starting a lot of money at the place you work at.

• 1:47:52Speaker 02

  I was $9,000 and now it's $1,600.

• 1:47:55Caleb Hammer?

  You are a toddler and an adult body managing people somehow. What kind of they're gonna garnish your wages. They're gonna get their money through a worse way. They're gonna take it before you see it.

• 1:48:09Speaker 02

  Okay. I didn't know.

• 1:48:11Caleb Hammer?

  What are you? Why do you think that you are entitled to that?

• 1:48:15Speaker 02

  Not entitled. I just didn't wanna, I just figured nobody else is paying it. They would

• 1:48:19Caleb Hammer?

  What do you mean, nobody else is paying? We're all paying.

• 1:48:21Speaker 02

  Oh.

• 1:48:25Caleb Hammer?

  More savings, more savings and situated a lot of debt. Now I'm just paying off student loans and car. Can't wait to follow up. Love the more savings and situated a lot of debt and paying off your student loans and car. Can't wait to do a follow up with you as well.

• 1:48:40Speaker 02

  Hi, my name is Paige. I'm 26 from Austin, Texas, and this is Financial Audit.

• 1:48:46Caleb Hammer?

  I want to ask you this out of just legitimate, genuine, not as an insult.

• 1:48:52Speaker 02

  Okay.

• 1:48:54Caleb Hammer?

  Are you dumb? No, I'm sorry, like legitimately. Are you not smart? Okay.

• 1:49:02Speaker 02

  Okay. You recognize, yes, I move around a lot, but most of that is like for travel, for like fun things, that kind of thing. Like

• 1:49:10Caleb Hammer?

  And I can't end up being an extravagant spender. Did you just hear the things you said? Do you not even know what words are?

• 1:49:17Speaker 02

  For me, that's what's important to like to travel, to see things.

• 1:49:21Caleb Hammer?

  Then what the are you gonna do? There's no frugality in that. Do you not know what you're saying? Do you not want to know what any of those things even are? Do you not know what things cost money?

• 1:49:28Speaker 02

  So.

• 1:49:29Caleb Hammer?

  Do you have any point that has any kind of standing or is this all gonna be bull?

• 1:49:32Speaker 02

  It's not bullshit.

• 1:49:33Caleb Hammer?

  That was bullshit. And what you said before that was bullshit. So where's the non bullshit?

• 1:49:38Speaker 02

  Yeah, I have my bachelor's and my master's in economics.

• 1:49:41Caleb Hammer?

  What the what the? No way. Oh, you know what? The fees are enough. We better go ahead and purchase $2,612 essentially more than we make from our day job in a single month on a card that's accruing interest than getting damn fees.

• 1:49:59Speaker 02

  Wait, how much are the fees?

• 1:50:00Caleb Hammer?

  Are you stupid? Hmm? What?

• 1:50:02Speaker 02

  I'm going to Switzerland.

• 1:50:04Caleb Hammer?

  Oh, my. When? When? This is not funny. Shut the fuck up!

• 1:50:12Speaker 02

  In January.

• 1:50:13Caleb Hammer?

  Your life is on the line here, dude. And it's clearly all a joke to you. You don't give a Gosh, I'm sorry. I'm just being mean to you, but I do not like your personality. You are such a What? There is no word to describe you. Hasn't been invented yet. I need, you're a bent. It's not a real word. I just made it up. Moist and bent and love to see me tar at me. Cause you qualify for that. You need a new word. You're a bent. You are a disgusting bent. Not disgusting, but you're a bent. Bloody peasant! Penis bent.

• 1:50:50Caleb Hammer?

  Still living, laughing, loving, and deadin'. Hope you're actually paying out some debt as well.

• 1:50:55Speaker 02

  Hi, I'm Savannah. I'm 25. I'm from Austin, Texas, and this is Financial Audit.

• 1:51:02Caleb Hammer?

  So what is your financial situation? What are we looking at here today?

• 1:51:05Speaker 02

  I would say it's pretty bad. So like, okay, so.

• 1:51:09Caleb Hammer?

  Your parents convinced you both to open up credit cards?

• 1:51:11Speaker 02

  Yes.

• 1:51:11Caleb Hammer?

  Okay. Okay. No offense, but this is not one credit card that we're going through. You also have like a really stupid card debt. Did your parents make you get really stupid card debt?

• 1:51:22Speaker 02

  Not. Well, okay, so for that, um, they pretty much hadn't like no money. So they were just like here.

• 1:51:32Caleb Hammer?

  So. So. Well, what does your parents having money have to do with it? It's your life. You're an adult.

• 1:51:39Speaker 02

  Well, it's like.

• 1:51:40Caleb Hammer?

  Do you blame your parents for everything?

• 1:51:41Speaker 02

  Well, right now, they're kind of like, they didn't really teach me anything about like.

• 1:51:45Caleb Hammer?

  Come on, no one.

• 1:51:46Speaker 02

  Credit card.

• 1:51:47Caleb Hammer?

  No one gets taught that in America.

• 1:51:49Speaker 02

  Any money they can give me, I accepted. And I also did summer school.

• 1:51:54Caleb Hammer?

  You mean like student loan providers?

• 1:51:56Speaker 02

  Yes, so the government student loans and they told that to me, my brother, and then pretty much my other siblings too, like, oh, we don't have money for college, so just take out the loans and we'll help you pay for it. After you're done with college. And now that those are back.

• 1:52:12Caleb Hammer?

  Weird, I would love to hear their side of it, though, if they would agree that that's exactly how that transpired.

• 1:52:18Speaker 02

  It, I would say it's like, not their exact words, but definitely like, hey, do the fast food, do this and then.

• 1:52:24Caleb Hammer?

  And we will pay for it?

• 1:52:25Speaker 02

  We will pay for, they took out the parent plus loans. And they were like.

• 1:52:29Caleb Hammer?

  Well, what about the ones you took out? They said they would pay for it?

• 1:52:32Speaker 02

  They said, don't worry about it now, wait till you graduate and then you can get a job. You'll be fine.

• 1:52:38Caleb Hammer?

  Can you afford this?

• 1:52:40Speaker 02

  I can kind of afford.

• 1:52:43Caleb Hammer?

  Spoiler, it's late payments coming, can you afford this? How the, why the, do you have a Disney card?

• 1:52:48Speaker 02

  So ironically, we were at Disney and they were offering a promotion will give you, I think it was like, at the time, like five hundred dollars if you sign up for Disney card and you get approved. And I was like, oh, that seems like a good idea if we go to Disney. So I signed up and then they approved it and if you spend a certain amount, you'll get that money back. So then I spent it for another Disney vacation to get the rewards dollars. And at that time, my parents are also like, oh, well, we'll help you pay it back. And.

• 1:53:17Caleb Hammer?

  This thing, would they, would, I'm just, I just need to know, would they agree? Would they agree? If I called them right now, would they say, yes, that's what we said? We said we will pay back all of her little debts if she takes out the debts?

• 1:53:29Speaker 02

  They'd probably say, yes, but.

• 1:53:31Caleb Hammer?

  But. But.

• 1:53:34Speaker 02

  But the probably like, oh, well, she. An adult, she can pay it.

• 1:53:38Caleb Hammer?

  A five thousand seven hundred ninety nine dollars and fifty cents. Are we blaming this on the parents again, or what the fuck going on here?

• 1:53:43Speaker 02

  That was me a few years ago, struggling to try and make it on my own, and they sent a check in the mail. And I was trying to pay rent.

• 1:53:51Caleb Hammer?

  Oh, no.

• 1:53:52Speaker 02

  And I thought it was a good idea.

• 1:53:53Caleb Hammer?

  Oh, no. It was, oh, it was one of those loan checks?

• 1:53:56Speaker 02

  Yeah.

• 1:53:56Caleb Hammer?

  Oh, I didn't, obviously, they, they wouldn't exist if people didn't take them out, but I've never, I don't think I've ever met anyone who actually took it out. That's, that's wild.

• 1:54:05Speaker 02

  Yeah.

• 1:54:05Caleb Hammer?

  That's wild. And instead of working more, this is the wake up call that is critical. You could have put, you could have done, you could have put half down with the insurance money. You just, you went with a twenty thousand dollar car. Past due forty dollars. What are you doing?

• 1:54:24Speaker 02

  So that one-

• 1:54:24Caleb Hammer?

  Come on, dude. I mean, this is just basic.

• 1:54:28Speaker 02

  Yeah. That one's gonna be along with the other ones of I'm trying to pay, but by the time I could-

• 1:54:37Caleb Hammer?

  No, you're not. You're not trying to pay. Again, nine hundred dollars, you're not trying to pay. So I'm not, I'm, I'm sorry, I'm not gonna allow you to bull yourself, cuz you are not trying. Negative money, but we went and spent five hundred dollars on one.

• 1:54:52Speaker 02

  That was a slarge, so it's a salon.

• 1:54:57Caleb Hammer?

  I was unemployed for a month. That set me back financially, but I was able to get out of unemployment for a couple of months until I started a part-time job at HEB. Then I was able to get my contract back. Now I'm working seven days a week as a part-time baker at HEB on the weekends and weekdays at my remote job with Apple. It took a while to bounce back from paying late fees and catching up on payments. So now I'm focused on improving my credit score, so then I can refinance my car for a lower interest rate. So I feel more optimistic financially going into the holiday season and twenty twenty-five. Yeah, I know that you were dealing with a potential contract ending, but you know, unemployment you paid into it. So I'm glad you received it. But I'm glad that income is

• 1:55:37Caleb Hammer?

  starting to make some monies now. Improving your credit score to pay off your or get a lower interest rate on the car. So that should be the focus. Maybe just pay off that car. It's good to be optimistic. Maybe the goal isn't correct, though. Focus on paying down the debt instead of just refinancing it. That is not our ultimate goal here, people. I hope you guys enjoyed seeing where everyone's at these days. A lot of follow ups to see and a lot of follow ups have been posted on our financial audit follow up channel. Make sure you guys just subscribe there. We're going to be doing a lot of follow ups in the year of 2025. But the exciting numbers that I said you guys would find out what they mean. Well, you stayed to the end. So now you get to find out what they mean. It's exciting.

• 1:56:21Caleb Hammer?

  I like to do an annual update of all of our financial audit guests from when we started recording two and a half years ago and see what the average and median debt payoffs are. See if what we're doing is actually working. See if the proof is in the pudding because we would change how we do things if it's not working. But good news, guys, it is. As of now, and this is yes, some people actually making negative progress, but most people making positive progress. The average for financial audit guests debt payoff is $10,500 in 11 months. And the median, for those who want the median, I know you requested that last time, is $10,000 in 10 months. So financial audit works, ladies and gentlemen. You get

• 1:57:05Caleb Hammer?

  to show up here every Monday, Wednesday, and Friday, learn some things, get out of debt, stay disciplined, and also be entertained. But we are seeing real progress and tens of thousands of you. I have heard from you and you are making actual changes in your life for the very first time.