Pathetic Brat Thinks Shes Hot Sh*t | Financial Audit

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

• 0:00Speaker 00

  Welcome to the 50th Hunger Day.

• 0:02Speaker 01

  Witness the beginning of the revolution.

• 0:04Speaker 00

  Hey Mitch, you've been trying to take down these games from the start.

• 0:07Speaker 01

  Filmed for IMAX.

• 0:08Speaker 00

  Make them remember you.

• 0:11Speaker 01

  The Hunger Games: Sunrise on the Reaping, November 20th, rated PG-13.

• 0:15Speaker 02

  LinkedIn is pretty amazing at helping you grow your small business. We cannot stop your new clients from emailing you at 3 a.m.

• 0:24Speaker 02

  We can help you sell, market, and hire in one place. We cannot help you be in three places at once.

• 0:32Speaker 02

  And while we can't help you organize your calendar, LinkedIn can help you land more clients so you have a calendar to organize. Grow your small business on LinkedIn. Learn more at LinkedIn.com/smallbusiness.

• 0:45Caleb Hammer?

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

• 0:48Speaker 04

  I have gone through a lot of different boyfriends and I finally found the one. I want to be independent in a way. I don't need to rely on him.

• 0:56Caleb Hammer?

  You gotta take care of your lazy [BLEEP] and spoiled [BLEEP] who won't stop spending money they don't have.

• 1:01Speaker 04

  I can't stop.

• 1:02Caleb Hammer?

  Stop what?

• 1:03Speaker 04

  Spending, treating myself.

• 1:06Caleb Hammer?

  No [BLEEP], he's taking care of it. Can't rely on you to save anything.

• 1:10Speaker 04

  Well, I deserve it. I'm worth it.

• 1:13Caleb Hammer?

  Download my new simpler budget app today and take control of your money once and for all.

• 1:20Speaker 04

  Hi, I'm Michaela. I'm 23 years old. I'm from Seattle and this is Financial Audit.

• 1:26Caleb Hammer?

  Thanks for coming in from Seattle. That's a far little journey. What do you do for a living up there?

• 1:31Speaker 04

  I'm a supervisor at Starbucks.

• 1:34Caleb Hammer?

  Of course you are. That is the Seattle core as it gets. Starbucks can actually be a pretty damn good place to build a career sometimes. I know they're going through lots of union things and some places are getting shut down. And lots of Starbucks layoffs actually just got announced this week, like a thousand people.

• 1:48Speaker 04

  Yeah, I saw that in corporate.

• 1:50Caleb Hammer?

  So how much are you making?

• 1:51Speaker 04

  Um, I make $23.64 an hour.

• 1:54Caleb Hammer?

  In Seattle? $23? For a manager?

• 1:57Speaker 04

  Um, well, I'm just a shift supervisor.

• 1:59Caleb Hammer?

  Shift supervisor? How many hours a week do you work?

• 2:02Speaker 04

  I want 40, but I get more like around 30.

• 2:06Caleb Hammer?

  Why? Why do you think?

• 2:08Speaker 04

  Well... I could work at different stores.

• 2:11Caleb Hammer?

  Yeah, why wouldn't you?

• 2:13Speaker 04

  I don't drive, so that kind of like keeps me in my little area.

• 2:17Caleb Hammer?

  Public transportation where you are?

• 2:18Speaker 04

  Well, it's okay, a little unsafe, um, but.

• 2:22Caleb Hammer?

  How unsafe?

• 2:23Speaker 04

  Well.

• 2:24Caleb Hammer?

  Well, are we gonna use that as an excuse? Like, I don't, I know you're in like a big radius because we're not gonna give a specific location, but.

• 2:31Speaker 04

  Yeah.

• 2:32Caleb Hammer?

  I'm gonna need to.

• 2:32Speaker 04

  I mean, I used to use it a lot more, um, right now, my specific area where I'm at is kind of on the.

• 2:38Caleb Hammer?

  How far away is another store? How many miles?

• 2:41Speaker 04

  Um.

• 2:41Caleb Hammer?

  If you drove, how many minutes would it be?

• 2:42Speaker 04

  Well.

• 2:43Caleb Hammer?

  If you drove?

• 2:45Speaker 04

  Thirteen.

• 2:46Caleb Hammer?

  Cool.

• 2:46Speaker 04

  Yeah.

• 2:46Caleb Hammer?

  I bet an Uber ride would pay for the extra, you know, ten, twenty hours you pick up a week.

• 2:53Speaker 04

  Yeah, well.

• 2:54Caleb Hammer?

  So there we go. I've solved your issue.

• 2:57Speaker 04

  Yeah.

• 3:00Caleb Hammer?

  Okay.

• 3:01Speaker 04

  I think that.

• 3:02Caleb Hammer?

  So why do you settle for that?

• 3:04Speaker 04

  Well, I've worked at the other stores in my area. They kind of suck, um, honestly.

• 3:10Caleb Hammer?

  Well, your supervisor make them better, right?

• 3:12Speaker 04

  Well, I tried. I worked at one of them for two years, actually, and left because it was so horrible, but, um, and the other one, my store was getting remodeled. I had to go to, and it was, yeah, just an experience. I did not have fun at.

• 3:25Caleb Hammer?

  So how much comes in through payroll on a monthly basis?

• 3:27Speaker 04

  Um, well, I think it kind of fluctuates up and down because I get tips, um, on my paycheck, so.

• 3:34Caleb Hammer?

  Yeah, so they tip into the store and then it gets evenly distributed?

• 3:37Speaker 04

  Yeah, so cash, and then also they just introduced like the credit card tipping in the last couple of years. So, yeah, um, that has actually increased so much, like our tips, like I get an extra like five hundred dollars.

• 3:50Caleb Hammer?

  Obligated.

• 3:51Speaker 04

  Yeah, yeah, for sure. Literally everywhere, um, but, and it's awkward, like in the drive-through, we have to like pass them the thing and I'm like, there you go.

• 3:58Caleb Hammer?

  I was gonna ask you a couple of questions. Uh huh, great, yep, you're one of those. Wonderful. We all love that. Cool, so what hits your account on a monthly basis normally, average?

• 4:08Speaker 04

  About twenty-four.

• 4:09Caleb Hammer?

  Okay, I had twenty-seven.

• 4:10Speaker 04

  Oh, okay, cool.

• 4:12Caleb Hammer?

  But twenty-four is average.

• 4:13Speaker 04

  Yeah.

• 4:13Caleb Hammer?

  So you had a little over.

• 4:14Speaker 04

  Because I think, um, I have been working a bit more, um, like.

• 4:18Caleb Hammer?

  Well, it's changed.

• 4:20Speaker 04

  The hours um like fluctuate like um just how busy we are and how much like um the store like gets allocated for labor.

• 4:30Caleb Hammer?

  Okay, so you made twenty seven, but let's just say you make twenty four normally, but whatever. We had a little. If you make more a month, maybe you're allowed to spend more. Maybe we're allowed to put more savings. That's okay. How what did you spend in the last month?

• 4:39Speaker 04

  All of it.

• 4:41Caleb Hammer?

  No, what did you spend in the last month?

• 4:42Speaker 04

  Um, probably twenty eight hundred.

• 4:47Caleb Hammer?

  So you're okay with spending a hundred dollars more? Why would you say that? Why would you do that? If you know you spend more, why are you okay with that?

• 4:55Speaker 04

  I'm not okay with it.

• 4:57Caleb Hammer?

  Then why do you do it? Because that is an action that you are doing.

• 5:00Speaker 04

  Yeah, um, I can't stop. Um, I don't know.

• 5:02Caleb Hammer?

  Can't stop? What is can't stop?

• 5:05Speaker 04

  I don't want to stop.

• 5:09Caleb Hammer?

  Stop what?

• 5:11Speaker 04

  Spending, um, treating myself, having fun.

• 5:16Caleb Hammer?

  Okay, no, it was three thousand five hundred twenty six, by the way. So it was completely. Like, it wasn't even close, even though you made more, you still spent eight hundred dollars more than came in. And you spent a thousand one hundred dollars more than normally comes in. So can't stop leads to an extra eight hundred? That's a lot of can't stop. How do you not know the number?

• 5:38Speaker 04

  I don't know. Um, honestly, I'm really surprised it was that high. Um, I think maybe Christmas. Um, I don't know.

• 5:46Caleb Hammer?

  Christmas. No, we're beyond Christmas. We're beyond Christmas. I've heard that a lot in these talks. We're at the end of February. We're beyond Christmas. Christmas is done.

• 5:56Caleb Hammer?

  Why are you here? What's going on?

• 5:58Speaker 04

  Well, my boyfriend will not propose to me until I get my finances in order. That's not how we want to start a marriage.

• 6:05Caleb Hammer?

  A time crunch. How long have you guys been together?

• 6:08Speaker 04

  About three years. Um, yeah, and we've lived together now for over a year and we just signed it. Yeah, he's in the lobby.

• 6:15Caleb Hammer?

  Um, really?

• 6:16Speaker 04

  So we just signed a two-year lease together, actually, like last month.

• 6:19Caleb Hammer?

  Have you guys lived together?

• 6:20Speaker 04

  Uh, for a year already. So in the same place, we just extended our lease.

• 6:23Caleb Hammer?

  So he'll share a contractual agreement with you, but okay, not a marriage. All right, that's fair. If you don't get your. But you spent eight hundred dollars more than you brought it in on last month or a thousand one hundred dollars more than you normally do. So obviously you give a more, you don't give a about the marriage. You don't give about the proposal. You care more about sweet treats than the marriage. I mean, that's what your actions are leading to. So what do you mean that that's why you're here? I can't stop you. I can get you a tool.

• 6:54Caleb Hammer?

  You spent eight hundred dollars more than you brought in. Yes, you can get a sweet treat together. Maybe he pays for it.

• 6:58Speaker 04

  Yeah.

• 6:59Caleb Hammer?

  Maybe you pay for it within a budget. I mean, I don't, what are you talking about?

• 7:03Speaker 04

  Yeah. Um, I don't know. Uh, to be honest, I,

• 7:10Speaker 04

  I think I'm embarrassed by spending that much and I just, yeah, I really.

• 7:14Caleb Hammer?

  Then why haven't you changed anything? Cause that's a lot of cop out talk. That's a lot of like, oh, I know I am. I'm just embarrassed.

• 7:22Speaker 04

  Yeah.

• 7:22Caleb Hammer?

  What, why? Why are you? Dig deep.

• 7:25Speaker 04

  Well, I want.

• 7:25Caleb Hammer?

  To have something to work with.

• 7:26Speaker 04

  I have gone through a lot of different boyfriends and I finally found the one that I want to be with. And I think this is what I need to do to get my life together and.

• 7:38Caleb Hammer?

  Why are you just flying through? I guess we all fly through different people until we find our one. I don't, how, how does that impact this? What, what a statement.

• 7:48Speaker 04

  Um, so me and a boyfriend met in high school. Um, ex boyfriend.

• 7:57Caleb Hammer?

  Wait, you're 23. Okay. So like five years ago.

• 7:59Speaker 04

  Yeah. Um, so probably were around 16. He was actually, um, I was sophomore. He was, uh, senior and.

• 8:09Caleb Hammer?

  That's what Twitter will say.

• 8:10Speaker 04

  Yeah. Um, but we, I don't know. Uh, at least I wasn't a freshman. Um, so he actually got expelled, um, right after we met and he would like come to meet me at the school.

• 8:21Caleb Hammer?

  Oh, maybe he actually is a PDF.

• 8:23Speaker 04

  Um, yeah. Uh, maybe. Uh, so.

• 8:27Caleb Hammer?

  He was just overblown. How did, what did he get expelled for? I guess that has nothing to do with this, but.

• 8:32Speaker 04

  Bringing brass knuckles to school.

• 8:34Caleb Hammer?

  What the, it's Seattle.

• 8:36Speaker 04

  He never worked our whole relationship. Um, even though he was older.

• 8:41Caleb Hammer?

  Sophomore who's a senior. Okay.

• 8:43Speaker 04

  So I took care of him, our whole relationship.

• 8:47Caleb Hammer?

  You, a sophomore, you took care of him?

• 8:49Speaker 04

  Well, I worked two jobs as soon as I turned 16.

• 8:51Caleb Hammer?

  So because you took care of him, now you're okay with your fiance taking care of you and not putting in the sacrifice necessary to get to the place where he would actually become a real fiance? Is that what you're trying to say? Or what are you trying to say here?

• 9:02Speaker 04

  No, I'm just saying that, I mean, that would be nice, but that's not.

• 9:10Caleb Hammer?

  Something tells me that's not what he's looking for, else he would have popped the ring.

• 9:15Speaker 04

  Yeah.

• 9:16Caleb Hammer?

  The question.

• 9:17Speaker 04

  Um.

• 9:18Caleb Hammer?

  Okay. Are you guys aligned on what you're looking for? I guess we can make maybe bring him in at some point. I don't, I don't know.

• 9:24Speaker 04

  Yeah, well, we're, we're pretty aligned. Like, I think.

• 9:28Caleb Hammer?

  Why are you sure? Because you aren't changing the habits that are preventing you from doing the thing that you both want to do? And then you just told me it would be nice if he just took care of you. Why are you talking about this ex-relationship? What does that have to, what?

• 9:41Speaker 04

  Well, I just, I spent so much money on him that like, that's kind of where.

• 9:45Caleb Hammer?

  How? A sophomore in high school?

• 9:48Speaker 04

  Well.

• 9:48Caleb Hammer?

  A sophomore in high school is where all your debt came from? What are you talking about?

• 9:52Speaker 04

  I was working like two jobs and like.

• 9:55Caleb Hammer?

  As a sophomore in high school?

• 9:57Speaker 04

  Yes, yes. And so I dropped out every year of high school, actually.

• 10:01Caleb Hammer?

  You dropped out of high school?

• 10:02Speaker 04

  Yes.

• 10:03Caleb Hammer?

  Every year?

• 10:03Speaker 04

  Um, yeah, my freshman year, I was actually.

• 10:06Caleb Hammer?

  You just go back and they're like, okay.

• 10:07Speaker 04

  Yeah, yeah, pretty much. Freshman year, I moved to a different state from Connecticut to Washington and just stopped going the last like four months.

• 10:15Caleb Hammer?

  But were you able to go to the next grade when you came back?

• 10:18Speaker 04

  Yeah.

• 10:18Caleb Hammer?

  So is this like a fucking cheat code that you could just like?

• 10:21Speaker 04

  Yeah, well, Connecticut education was a little bit more advanced than what the Seattle requirements were. So they actually had no problem moving me along. Um, I don't know. Uh, the high school I went to was not that nice.

• 10:38Caleb Hammer?

  Are you blaming this for how you got in debt as a sophomore? I'm so confused on that.

• 10:42Speaker 04

  So I would.

• 10:44Caleb Hammer?

  Please say what you're trying to say. Sorry. Maybe I'm just interrupting you two. Please, what are you trying to say?

• 10:47Speaker 04

  So I basically just took care of this ex since I was 16, had two jobs, gave him all my money. He would have my card, spend on it.

• 10:54Caleb Hammer?

  He would just spend on your car?

• 10:56Speaker 04

  Yeah, he had my car.

• 10:57Caleb Hammer?

  Senior that drop a expeli would.

• 11:03Caleb Hammer?

  Use their sophomore girlfriend that works two jobs? And just spends all her money?

• 11:11Speaker 04

  And I just kind of thought he loved me, so I thought it was okay. Because my ex had pretty much stolen like all my money from me. Um, it was, it was really hard to kind of move on from that.

• 11:27Caleb Hammer?

  Okay.

• 11:29Speaker 04

  So, um, he had like a drug addiction and

• 11:33Caleb Hammer?

  Which one?

• 11:34Speaker 04

  Uh, my ex boyfriend.

• 11:36Caleb Hammer?

  Well, hold on, it sounds like I don't know which one is an ex boyfriend.

• 11:39Speaker 04

  Sorry. So the one I was with out of high school.

• 11:42Caleb Hammer?

  Okay, okay.

• 11:42Speaker 04

  Yeah. So he had like a drug addiction going on.

• 11:47Caleb Hammer?

  Oh.

• 11:48Speaker 04

  Um, and his mom was also doing it with him. It was kind of a screwed up situation.

• 11:53Caleb Hammer?

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• 12:35Caleb Hammer?

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• 13:08Speaker 04

  I had given him my card to go and get groceries or something from the store. And all of the money off my account was gone and I had like no idea what happened. He came home, completely denied it, said he just brought, like bought the groceries that he had brought home. And so I called Safeway and I was like, where is my money? Like what's going on? Like? This transaction was hundreds of dollars and my boyfriend did not spend that much. And so they were kind of investigating, told me to like come back in and they showed me the footage of like him at the self checkout, getting the cash.

• 13:49Caleb Hammer?

  Really?

• 13:50Speaker 04

  Yeah.

• 13:52Caleb Hammer?

  And were these like cash advan- advances from a credit card?

• 13:57Speaker 04

  No, this was like my checking account at the time, like, cause I think I was probably too young.

• 14:02Caleb Hammer?

  So again, I'm a little confused why this is a, I'm in my debt because of this situation, because it doesn't sound like, it sounds like he was a person. This doesn't sound like any reason that you're here though.

• 14:12Speaker 04

  Yeah, well, so, and then I was opening a lot of credit cards at that time when we had moved in together.

• 14:18Caleb Hammer?

  So you were 18 at least.

• 14:19Speaker 04

  Yeah, I was 18 when I opened probably four or five credit cards.

• 14:23Caleb Hammer?

  Why haven't you fix, if you broke up with him four years ago, why haven't we fixed anything since then? Especially now that we've been in a relationship for three years with someone who wants to marry you, but won't because you want to get together because you're prioritizing sweet treats over him. Why haven't you fixed a single fucking thing?

• 14:40Speaker 04

  I want to, but it's just like.

• 14:42Caleb Hammer?

  Do you want to though? Because I talk about this and you immediately go to stories from five years ago. Do you want to? Cause your actions are showing you want to. You spent eight hundred dollars more than you brought in, thousand one hundred dollars more than you normally bring in on a monthly basis. What do you mean you want to? You know you spend more money. You acknowledge that you thought you spent a hundred dollars more than you make on a monthly basis. Want to? Not seeing want, where's the want? No, you want sweet treats. That's what you're doing. What do you mean want? You know what the word want means?

• 15:08Speaker 04

  I mean, but I also just want to live a good life and I want to be able to live my. Yes, but I'm also young and in my twenties, like I want to be able to do what I want.

• 15:20Caleb Hammer?

  So you're, you're prioritizing that over him. You would rather have that.

• 15:22Speaker 04

  Not necessarily.

• 15:23Caleb Hammer?

  Should we tell him that? Should we bring him in and you tell him that?

• 15:25Speaker 04

  No.

• 15:26Caleb Hammer?

  Because that's what you're doing and that's what you're saying right now.

• 15:30Speaker 04

  I mean, I feel like you can have a little bit best of both worlds. Like, we do a lot of things together. We go on trips together.

• 15:36Caleb Hammer?

  Sure, but you're talking about your independence. That's what you were just talking about. You weren't talking about together. You only brought up together once. I pushed back against you. Uh huh.

• 15:44Speaker 05

  Bonjour, compadre. It's the

• 15:48Speaker 05

  How do I negotiate so many great travel deals? My greatest gadget, the Priceline app. It's got hotel deals, flight deals, rental car deals, all of those deals in a bundle. Deals, game day deals, concert trip deals. No one deals more deals than Priceline. Hold your horses, there's more. The app lets you filter hotels by neighborhood, vibe, star level, and amenities like pools and spas and beachfronts. And, wait, I'm not done. Stop cutting me off.

• 16:14Speaker 04

  Yeah. Well, I think because I've been in relationships since I was so young, like, it can feel good to think about doing things on my own as well. Like, I want to be in a relationship. I want to be married, but independence is good, too.

• 16:30Caleb Hammer?

  I agree. It's important to have, like, you know, good independence here and there. And absolutely, but again, you are choosing that over your togetherness completely. Because it is one or another, and at least this ultimatum that's been given to you. And you are choosing that.

• 16:45Speaker 04

  I think, yeah, it's just been hard.

• 16:46Caleb Hammer?

  So you do not want to. And if you do, it's a small want, and obviously your want of yourself and individualism is higher.

• 16:54Speaker 04

  I mean, I, I don't think so. Like, I want to be with him. I just also want to spend money.

• 17:01Caleb Hammer?

  Okay, but you want that more because that's what you're doing. You're choosing that over. Yeah, there we go. You just admitted it. Shall we tell him?

• 17:08Speaker 04

  I can't deny because obviously the numbers show.

• 17:11Caleb Hammer?

  So we should tell him.

• 17:13Speaker 04

  No.

• 17:14Caleb Hammer?

  I think we'll, I think we'll eventually have to tell him.

• 17:18Caleb Hammer?

  Where do you think you are in the world of finances? Zero to 10, zero being the absolute worst, 10 being the absolute best. Where do you think you are today, self-assessed?

• 17:25Speaker 04

  Probably a two.

• 17:26Caleb Hammer?

  Okay. If you want your Hammer Financial Score, go to the link in the description below. You can go to CalebHammer.com and check out what you, where you are in the world of finances. It's free. It's a fun little quiz, and we assess you there. If you want to come on the show, come down to Austin, Texas and get a little financial beating. Have a good time. Just go ahead. Go to CalebHammer.com/apply. We'd be happy to have you here. Okay, altar.

• 17:55Caleb Hammer?

  Oh my gosh, what is it? Every, why? People that go to Alta, man. People that go to Alta, they're always... What's so good? You're above the credit limit, so good? That's good? Geez. Every time anyone goes to Alta or has an Alta card, you know it's about to be a episode so good and you'd rather be over, again, you're choosing Alta over him. You're choosing Alta over him.

• 18:20Speaker 04

  Beauty.

• 18:21Caleb Hammer?

  You're choosing your beauty over your guys being together.

• 18:24Speaker 04

  He likes my beauty, so it's like...

• 18:26Caleb Hammer?

  I think he likes you for you, or else he wouldn't be willing to propose.

• 18:30Speaker 04

  True.

• 18:30Caleb Hammer?

  Mm-hmm.

• 18:31Speaker 04

  But I just think that's it. Add on.

• 18:34Caleb Hammer?

  Beauty's great, do it. I want you to feel confident, I want you to feel great.

• 18:40Caleb Hammer?

  You're over the credit limit! There, what, what the are we doing if we're over the credit limit? That's a completely different world we live in, versus you paying it off or even having a little balance? I wouldn't suggest, I wouldn't support that, but you're over the limit.

• 18:52Speaker 04

  I do have a little balance.

• 18:53Caleb Hammer?

  Well, guess what? You don't, you're over the credit limit.

• 18:55Speaker 04

  I pay the minimum every month, and then it like takes out like the fees or whatever, and then I have like sixty dollars to spend.

• 19:02Caleb Hammer?

  That's still horrible though, because the interest on... Hey, hey, cuz the interest on here is so and it doesn't matter regardless, because you purchased seventy-one dollars, seventeen cents. Huh?

• 19:14Speaker 04

  Well, that's still something.

• 19:16Caleb Hammer?

  Huh?

• 19:17Speaker 04

  Like, you can buy something for seventeen dollars.

• 19:19Caleb Hammer?

  No, you're over the credit limit, you dumb tit. That's what I am saying.

• 19:24Speaker 04

  Well, yeah.

• 19:25Caleb Hammer?

  And no, that is not acceptable, that is what a child does. Okay, you owe one thousand, seven hundred, forty-one dollars and ninety cents on a thousand, seven hundred dollar credit limit. Great, I'm glad we're choosing this over him. It's important that you keep realizing that actual reality with an eighty-eight dollar minimum monthly payment. Which, by the way, these will stack up like crazy. How long does this take to pay off? Just minimum of the payments without purchases, which you're incapable of, but go ahead.

• 19:55Speaker 04

  Maybe six years.

• 19:57Caleb Hammer?

  Okay. It takes six years, yes. And of course it's all to and it's all.

• 20:03Speaker 04

  I mean, it's just so easy and it's just like.

• 20:05Caleb Hammer?

  It is easy. That means you can't be.

• 20:08Speaker 04

  Get your brows done. You can go get uh your hair done. I used to have pink hair. I got it done there.

• 20:13Caleb Hammer?

  Oh, wow.

• 20:14Speaker 04

  And it was so easy.

• 20:15Caleb Hammer?

  Like easy. Who gives a fuck? Look, it didn't stick around anyway. Now you're blonde. Is it a fake blonde? We'll never know. Who gives a Doesn't matter. Only you acknowledge. It doesn't matter. No one gives a who cares about the little purple above your eye. I care about you guys being able to live a good life together and not It become one of the criminals that you're afraid of when you ride public transportation in your area, apparently. So let's play a little game. It's gonna bring out. I just want to assess your level of desire for actually purchasing.

• 20:49Caleb Hammer?

  All right. Some little brushes and stuff, right?

• 20:53Speaker 04

  Yes.

• 20:54Caleb Hammer?

  Very exciting. We know you got this. Here, don't flip it over. You go ahead. Tell me. Tell me right there, what you think that is worth to you in terms of a financial amount that you will spend on it. Tell me, go ahead.

• 21:07Speaker 04

  Like a number?

• 21:08Caleb Hammer?

  Yes, a number. What what else would you put?

• 21:16Caleb Hammer?

  Okay, you would spend 12. Here, we got a little creamage. We're creaming. We got some visibly smooth pores. So exciting. What would you spend on this?

• 21:28Caleb Hammer?

  She says forty dollars. Here, here we go. We got some twinkle strips. You're gonna have to tell me what this is.

• 21:34Speaker 04

  It's like highlighter and then like you can also put it on your eyes and multipurpose.

• 21:41Caleb Hammer?

  How much would you spend on that? Very important. Twenty dollars. That's what it's worth to you. That's what it's worth to you. That's the max you'll spend on it? Okay, here's mascara.

• 21:55Speaker 04

  Well.

• 21:55Caleb Hammer?

  Yeah, what's the max you'd spend on that?

• 21:56Speaker 04

  The mini one.

• 21:57Caleb Hammer?

  What's it worth to you?

• 21:58Speaker 04

  The.

• 21:58Caleb Hammer?

  Sure, what's it worth to you?

• 22:00Speaker 04

  Okay.

• 22:00Caleb Hammer?

  What's your max you'd spend on it? Go ahead. What is it?

• 22:06Caleb Hammer?

  Okay, so the max you've spent on these little morph brush brushes. Morphy. Are $12. First of all, you spent $28 on it. You know that? You know that? No, I almost don't believe that. Okay, listen. You do not get to leave the studio, neither does your boyfriend, until you download the simpler budget app. Cause at least you guys get the premium version for free. They get a multi-week trial, but you get it for free. It will automatically tell you how much you spent on lush. You could have a lush category and it will automatically connect your accounts and tell you, okay? Then there's the community functionality in there where you can chat with other people and start your own threads, ask questions, all that stuff. Yes, you can start an alt a thread because there are people absolutely in there. Absolutely.

• 22:50Caleb Hammer?

  Use the automatic features. We want to make it the best budget app we can. So fucking download it. It's like the easiest thing you could possibly do. So you spent $28. Are you willing to spend $28 on this? No, that's pretty sad. Are you willing to spend $208 on it? No. No? Well, that's what you're fucking doing because after the interest accrues with your minimum monthly payments that you put towards it mathematically. Oh, in the end you are spending $208 on these dumb little fucking brushes. Yeah, that's right. $40. It's the most you've spent on this, right? Yeah, $44 is what you spent. Are you okay with that? I mean, yeah.

• 23:30Caleb Hammer?

  Yeah, 283. How about that? Cause that's what you're actually spending on it. 283. You okay with that? No, I'd rather have much nicer ones than 283. I agree. Guess what? This is what you're actually doing though. This is where your decisions are leading you.

• 23:50Caleb Hammer?

  $20 on this fucking highlighter thing. You nailed it. $20. How much you think you're actually spending on it though? In reality, actual math. 140. 148. Correct. And you're okay with that? How many could you get in that?

• 24:06Caleb Hammer?

  Huh? Huh? How many could you get? How often do you have to replace this? Well. How many have to replace this? No, maybe like every six months. Cool. You could get 7.4 of these. 7.4.

• 24:19Caleb Hammer?

  We're okay with it. Okay. You are okay with spending fifteen. You sent sixteen. That's okay? How much did you actually spend? How much are you actually spending on this?

• 24:29Speaker 04

  A hundred and seventy?

• 24:30Caleb Hammer?

  Hundred and nineteen. Hundred and nineteen.

• 24:37Caleb Hammer?

  And others seven point four. Math works out either way.

• 24:42Caleb Hammer?

  You could be getting so much. You're choosing not to. You're choosing to delay everything. And it's pointless. You're also choosing to delay your engagement.

• 24:58Speaker 04

  Yeah, I mean.

• 25:01Speaker 04

  The numbers are hard to look at. I mean. I, the damage is done. I.

• 25:09Speaker 04

  I mean, I bought like a Dyson hairdryer. There's five hundred dollars on there.

• 25:14Caleb Hammer?

  The damage isn't done. You're fucking doing the damage.

• 25:17Speaker 04

  But I use it every day.

• 25:18Caleb Hammer?

  The damage isn't done. Exactly. You use it every day. The damage isn't done. No, no, no. You're spending every fucking day across the board on all these. We're gonna go through so many documents here. The damage isn't done. The damage is getting done. You're above the credit limit. You're above the credit limit. The damage isn't done. The damage isn't done until this card is paid off. Because you're accruing interest on it. The damage is endlessly hitting you. This is fucking endless damage, dude.

• 25:46Speaker 04

  Yeah. It's just, it's just nice to have these things. Like, it's like company.

• 25:51Caleb Hammer?

  It sure is. And you could have had seven point four of them. For the price you're paying for them over time. I'd say that's nicer. I'd say you being able to get engaged is nicer. Well, this is pretty fucking exciting for the world of financial audit. Something big, Mar. Nearly sixty thousand of you have downloaded my budgeting app, Simpler Budget, in just a few weeks of its launch. And let me tell you, we've heard amazing feedback. People are enjoying the automatic account connections. People are enjoying the community chat. People are enjoying building their budgets, sticking to it, and actually changing their lives finally for the first time.

• 26:30Caleb Hammer?

  So download the simpler budget app today. Join the 60,000 people who are literally changing their lives for the first time. Literally, this gives you control of your financial future once and for all. So download simpler budget today. And remember, anyone who signs up for the annual version of the app at a massive discount, you also get shipped this simpler budget notebook, which will be personally signed by me. So check it out. Download simpler budget today.

• 26:56Speaker 04

  I mean, I just feel like it's it's worth it to me. Like, I love these things like I'm not as much as I love my boyfriend, but it just it makes me happy. Like, and why wouldn't you want to be happy? This is my hobby.

• 27:13Caleb Hammer?

  What'd you put just the blow dryer?

• 27:17Speaker 04

  Where?

• 27:17Caleb Hammer?

  Yes. At Alta, so $500. And we know how this math works out.

• 27:25Caleb Hammer?

  Yeah, you spent 3,700 on that total. Cause and you definitely haven't hit that totally yet. That's what it's going to cost over the course of forever. Especially you and you're over the credit card limit. Hey, no, you don't prefer your boyfriend over this. You're not putting him over this or else you would put him over this. The damage is endless, man. It's the interest accruing, it's the fees accruing. No, no fee this month, but you're about to get them. The interest last year alone was $530 and it's only going to get worse.

• 27:54Speaker 04

  It's just so addicting to spend, like just go in there, grab a basket and just fill it up with what.

• 28:01Caleb Hammer?

  Exactly.

• 28:01Speaker 04

  I see.

• 28:02Caleb Hammer?

  Your little sweet treat. And I know, but guess what? That is why you are not a credit card person. You cannot have credit cards. You can't have access to other people's money.

• 28:10Speaker 04

  But I also just like don't have the money to buy a $500 blow dryer.

• 28:14Caleb Hammer?

  Which means you cannot afford it.

• 28:16Speaker 04

  But I want it.

• 28:17Caleb Hammer?

  You do want it, but if you can only use other people's money to afford something, you cannot do it because you're delaying your entire life. You are fucking your future self. If you guys have a kid together, you are fucking your kid. And that doesn't sound right, does it?

• 28:31Speaker 04

  No.

• 28:32Caleb Hammer?

  No. Those sequence of words, no, it does not.

• 28:37Speaker 04

  It does not.

• 28:38Caleb Hammer?

  You can use the Fizz card because at least it builds credit. I'm sure you care about that. But it is only a debit card.

• 28:45Speaker 04

  Credit isn't horrible. I mean, it's gone up and down.

• 28:48Caleb Hammer?

  Up and down. I'm sure it's down right now because again, you're above the fucking credit limit for Alta. So you go in there and endlessly plug the services as well?

• 28:57Speaker 04

  Well, yeah, like the eyebrow waxing and like tinting and.

• 29:02Caleb Hammer?

  How often are we doing this? What are we spending on this? I promise you, he doesn't care as much as you think he does. Unless that was just a cope.

• 29:11Speaker 04

  I mean, it's like fifty dollars to go and get them like waxed.

• 29:15Caleb Hammer?

  How often?

• 29:16Speaker 04

  Um, like, maybe I'll go like once every couple months. Um, and then I'll like maintain at home with men's beard dye.

• 29:23Caleb Hammer?

  Just maintain at home. Just maintain, just maintain at home. He doesn't give a.

• 29:29Speaker 04

  Yeah, I mean, but it's just also like fun to go in and be like pampered and like, you know?

• 29:35Caleb Hammer?

  You keep bringing up.

• 29:37Speaker 04

  Body wash. I smell good.

• 29:39Caleb Hammer?

  I get why. You keep bringing up this fun thing like that negates this though. I understand the why. We all know it's fun. There's so many fun things that I like to do. Doesn't mean they're good.

• 29:50Speaker 04

  I just don't know how to stop. Like some of this stuff is just like basic, like my razors, my body wash, like.

• 29:57Caleb Hammer?

  Listen.

• 29:59Caleb Hammer?

  I didn't fight against those, but even still, not on a credit card. That is maxed out. You're telling me if you saw in the simple budgeting app that you are over your category, you wouldn't care?

• 30:12Speaker 04

  I mean, I just don't have the cash in my.

• 30:15Caleb Hammer?

  But that wouldn't stop you? That wouldn't stop you. You said I couldn't stop. That wouldn't stop you.

• 30:20Speaker 04

  Well.

• 30:21Caleb Hammer?

  If you saw you were over the budgeted limit for Alta on a monthly basis.

• 30:25Speaker 04

  No, it wouldn't stop me.

• 30:26Caleb Hammer?

  Then what's the point? Then what's the point? What are you ever gonna do to achieve this goal with him? What are you ever gonna do? How are you ever gonna get there?

• 30:35Speaker 04

  Well, I think I do need to restrict myself in some ways.

• 30:37Caleb Hammer?

  Yes, but how are you going to? It's literally seeing that you're going above a limit that you. Alta is not one of them, so you're not willing to compromise on Alta. What a fucking statement. You realize what you just said?

• 30:49Speaker 04

  It's my, my favorite credit card. Like that's the one I

• 30:52Caleb Hammer?

  It's a credit card. Who gives a shit? Says anything that you're getting

• 30:56Speaker 04

  I mean, I got it like right after the day after my 18th birthday. It's like kinda

• 31:00Caleb Hammer?

  There's nostalgia associated with this credit card?

• 31:03Speaker 04

  Sephora. I only shop at

• 31:06Caleb Hammer?

  I, I don't know how to get past this. I don't care. I don't

• 31:11Caleb Hammer?

  I don't, I don't care. I, oh my gosh, I don't care if there's this

• 31:17Speaker 01

  Witness the beginning of the revolution.

• 31:20Speaker 00

  Hey Mitch, you've been trying to take down these games from Star.

• 31:22Speaker 01

  Filmed for IMAX.

• 31:24Speaker 00

  Make them remember you.

• 31:27Speaker 01

  The Hunger Games: Sunrise on the Reaping, November 20th, rated PG-13.

• 31:30Caleb Hammer?

  Nostalgia is, it's a piece of plastic. It's a fucking piece of plastic. This is the stupidest thing I've ever heard in the fucking world.

• 31:35Speaker 04

  So it's like

• 31:35Caleb Hammer?

  I don't give a

• 31:39Caleb Hammer?

  Okay, you're being a fucking moron with this. You're being a fucking moron.

• 31:44Speaker 04

  And like the, the point system, like it adds up and then you get free stuff and like

• 31:49Caleb Hammer?

  Yes, I get that. That's good if you

• 31:50Speaker 04

  I'm a, a credit card member. I get two times the points. So like

• 31:57Caleb Hammer?

  Okay.

• 31:59Speaker 04

  Like I bet, like

• 32:01Caleb Hammer?

  What are you gonna think that? What are you possibly gonna bet? What are you gonna bet?

• 32:04Speaker 04

  I could get all of this stuff with points, like

• 32:07Caleb Hammer?

  Then why are you over the credit limit? That's interesting.

• 32:09Speaker 04

  Well, cause you have to spend money to get the points.

• 32:11Caleb Hammer?

  But if you're getting all of it with points, it should be able to, uh, pay it off completely.

• 32:16Speaker 04

  Well, if I get the points from the beauty services, then like I could get these.

• 32:21Caleb Hammer?

  But you're over the credit limit. So obviously that is not working.

• 32:24Speaker 04

  Well, not always.

• 32:25Caleb Hammer?

  Well, then what the fuck are you talking about? How many points do you get for a dollar purchase? Do you know? Cause it doesn't say it on your card.

• 32:32Speaker 04

  I think it's two. I mean, I don't know. I don't know.

• 32:36Caleb Hammer?

  You don't know?

• 32:36Speaker 04

  No.

• 32:37Caleb Hammer?

  So you're really trying to justify it with the thing you don't know?

• 32:42Caleb Hammer?

  Yeah?

• 32:43Speaker 04

  Yes.

• 32:53Speaker 04

  I mean this like $125 off of something like

• 32:57Caleb Hammer?

  What is? What do you mean? What are you talking about?

• 33:00Speaker 04

  If I saved that many points, I could get $120 off.

• 33:04Caleb Hammer?

  Okay, there we go. But how many points do you get with a fucking purchase?

• 33:07Speaker 04

  I don't know, but

• 33:09Caleb Hammer?

  Are you base platinum or diamond?

• 33:12Speaker 04

  Um, probably base.

• 33:15Caleb Hammer?

  You don't even

• 33:16Speaker 04

  I can only spend at Ulta. So like, I think it's just a base one.

• 33:20Caleb Hammer?

  So this $125, how many think, how many dollars do you think you have to spend to get it? I have the math in front of me.

• 33:25Speaker 04

  Seventy.

• 33:26Caleb Hammer?

  I looked it up. Seventy? $2,000.

• 33:30Speaker 04

  I hope you're hungry for nothing. I did the math wrong. I think I meant 100.

• 33:35Caleb Hammer?

  Your, your point thing is the most moronic bull I've ever heard in my life.

• 33:41Caleb Hammer?

  You, that's so stupid. 125 divided by 2,000. What do you think the math's gonna be? You're gonna get a potential 6% return. That's not horrible in terms of a card. Guess what? You're losing 30.74%. What's a higher number? Six or 30? Hey, what's a higher number? Six or 30? Don't be a dumb Yes. So maybe the points don't matter. Even if you're a platinum member, you get probably about 7%. 7.5% cash back. Okay?

• 34:10Speaker 04

  Oh, is it based off of how much you spend in a year? Cause I remember one year I spent like a lot, so they bumped me up to

• 34:17Caleb Hammer?

  Platinum is 500, uh, diamond is 1,200.

• 34:20Speaker 04

  Okay, so I think I'm

• 34:21Caleb Hammer?

  Even still, you're probably getting like 8% cash back.

• 34:23Speaker 04

  It depends on

• 34:24Caleb Hammer?

  Which for a credit card is not bad, but what's bigger? Eight or 30?

• 34:27Speaker 04

  Still 30.

• 34:27Caleb Hammer?

  Yes, and you're gonna get fees with these other ladies.

• 34:35Caleb Hammer?

  This is crazy. This is so stupid. You download this damn app now. I swear you do not leave until you download the app. Again, if you, if it doesn't even matter if you see yourself overspending your fucking Ulta.

• 34:50Speaker 04

  I wanna pay it down though, so that I have the money to spend.

• 34:53Caleb Hammer?

  Can I see your Ulta account? Do you have, I bet you have it.

• 34:55Speaker 04

  Oh, yeah.

• 34:55Caleb Hammer?

  Is there a special little thing? Let me see it. Kill me now.

• 35:05Speaker 04

  Oh, look, 21 days of beauty. There's a sale.

• 35:09Caleb Hammer?

  Your points is a dollar per purchase, though. It's a, well, dollar and a half now for you.

• 35:13Speaker 04

  When was my only last purchase?

• 35:16Caleb Hammer?

  Please. Oh, my gosh, it just shows you sales, sales, sales, no. I don't know how to, you have something in your fucking bag. You have something in your fucking bag, or you fucking kidding me? Listen, this $44 stupid fucking little moisturizer bullshit. Hey, it is that, and guess what? Hey, guess what? Guess what that one you're gonna pay for could pay for 7.4? We did the math. Lady.

• 35:43Caleb Hammer?

  Oh, no. What is all this? Saved for later. Hydration face. Whip. Sunscreen mousse. Oh, my.

• 35:52Speaker 04

  That's just so funny.

• 35:53Caleb Hammer?

  Travel size better than sex. Brow pencil. Backpack scrub stick. Almond avocado moisturizer. What is all this bullshit? Oh, my fuck. It's endless. It's nearly fucking endless. Can I see your damn purchases?

• 36:10Speaker 04

  Yeah.

• 36:11Caleb Hammer?

  Well, you're gonna have to tell me how, because I don't know how to fuck it. I don't know how to use this shit.

• 36:17Caleb Hammer?

  Saved my life. I'm glad.

• 36:24Speaker 04

  I don't think it shows the in-person ones, though.

• 36:30Caleb Hammer?

  Your fault. That's not true. I was kidding. Yeah, okay, those four things that we saw there, then you got some bullshit.

• 36:37Speaker 04

  Well, and also, like, I'll buy my, like, boyfriend, like, I bought him, like, really nice cologne. It was nice to put it, like, on the, um.

• 36:46Caleb Hammer?

  This is crazy that just this shit within itself, you do this like once a month. Just that shit.

• 36:51Speaker 04

  Every single month.

• 36:51Caleb Hammer?

  Yes, no, stop! I'm saying it's crazy that you do that once a, once a month, and it is fucking over maxed out. That's insane. You are so irresponsible. You just don't pay for what you put on it. Why would someone allow it?

• 37:04Speaker 04

  It's just so easy, like.

• 37:05Caleb Hammer?

  I know, and that's why you shouldn't have access to it. That's what I'm saying.

• 37:08Speaker 04

  $2,000 on, like, beauty, like, that's a shopping spree.

• 37:11Caleb Hammer?

  You know what else is easy, a tip?

• 37:12Speaker 04

  Like that.

• 37:13Caleb Hammer?

  Huh? That's easy. Klarna, of course, it fits your personality for everything we learned about from the stupid.

• 37:23Speaker 04

  Well, I like recently just got into Klarna like.

• 37:26Caleb Hammer?

  Just got into it and you already up to a thousand fifty-four?

• 37:28Speaker 04

  Like a year almost now.

• 37:31Caleb Hammer?

  You shouldn't get it. This shouldn't be something we get into. It's not a hobby. We're not getting into Klarna. What is that logic?

• 37:39Speaker 04

  It's nice to be able to like make a big purchase and split it into four payments, especially like no interest.

• 37:44Caleb Hammer?

  But you've proven you can't manage that.

• 37:46Speaker 04

  Well, I make the payments every single month. I can manage it.

• 37:49Caleb Hammer?

  No, no, because this is what happens is because you think you're able to split things into a four payment thing, which you think it will help you. That's what you think. But then all of a sudden this makes it so there is more money due a certain times. It is stacking up constantly, which does not allow you to have money in your checking account, which means when you go to purchase something at Alta or go get a service, you have to use a credit card that is already at maxed out because you don't have any money in your checking account. The reason you don't have any money in checking accounts is because you're not taking track of your minimum monthly payments that you are endlessly stacking out of each other because you think it's helping you.

• 38:20Speaker 04

  Well, luckily I just use.

• 38:21Caleb Hammer?

  Well, are you gonna wow that? Fuck you.

• 38:24Speaker 04

  I like, I just, I have to justify it like.

• 38:27Caleb Hammer?

  Why? No, you don't. Just don't do it. Just don't be a child.

• 38:31Speaker 04

  Why wouldn't splitting one payment into four payments with no interest if you don't have the money? Like, why isn't that a smart choice?

• 38:38Caleb Hammer?

  Here's my secret for growing my business, my team. Seriously, I couldn't do it without them. And when it comes to business, hiring the right people without wasting time is key. So if you realize your business needs to hire someone yesterday, how can you find this amazing candidate fast? Easy, just use today's sponsor, Indeed. When it comes to hiring, Indeed is all you need. Stop struggling to get your job post seen on other job sites. With Indeed sponsored jobs, your post jumps right to the top of the page for your relevant candidates. So you can reach the people you want faster and it makes a huge difference. According to Indeed data, sponsored jobs post directly on Indeed have forty-five percent more applications than non-sponsored jobs.

• 39:21Caleb Hammer?

  And when I first started expanding my team, the hiring process was slow and overwhelming. If I had. Been using Indeed, I could have found the exact candidates I needed and saved hours and hours during the hiring process. Plus with Indeed sponsored jobs, there are no monthly subscriptions, no long-term contracts, and you only pay for results. So how fast is Indeed? In the minute I've been talking to you, 23 hires were made according to Indeed data worldwide. There's no need to wait any longer. Speed up your hiring right now with Indeed. And listeners of the show will get a $75 sponsored job credit to get your jobs more visibility at indeed.com slash Caleb. Just go to indeed.com slash Caleb right now and support our show by saying you heard about Indeed on this podcast.

• 40:03Caleb Hammer?

  That is indeed.com slash Caleb. Terms and conditions apply. Hiring? Indeed is all you need. It can be if you manage it right. Again, you are not though, because you view that as a way to make it easier. That's not what it should be about. It should be about utilizing your money in a better way. Like this money could be utilized somewhere else in a more efficient way. Say returns on the stock market. If I'm like buying the S and P 500 or something, that's always a classic example, right?

• 40:30Caleb Hammer?

  Or yes, even your Altibill, but you're not even doing that. That's what I'm saying. Because you are stacking your minimum three payments higher than you know, because you are not tracking them. Because you just do the split in four constantly because it's zero percent interest and it just helps me get this purchase now. Because of that, you are making money. Just leave your checking account when you don't know it. All these automatic payments that are constantly hitting, which is draining your checking account and making it so you don't have money. When you try to go do things.

• 40:59Speaker 04

  Yeah. I mean, I definitely see that, but I mean, I will pay it all. Like when I get paid, I'll pay all the payments. So I don't have like 20 hitting me at once or like at random times. I'm really good about keeping on top of it and making.

• 41:15Caleb Hammer?

  You're not. You said you didn't have money in your checking account to get Altibill or else you wouldn't.

• 41:17Speaker 04

  Well, I know.

• 41:18Caleb Hammer?

  If you're on top of it.

• 41:19Speaker 04

  About making my payments, like I've never missed.

• 41:21Caleb Hammer?

  Why are you above a credit card limit then?

• 41:24Speaker 04

  I, I don't know.

• 41:25Caleb Hammer?

  You don't know.

• 41:26Speaker 04

  No, I mean.

• 41:27Caleb Hammer?

  You don't know.

• 41:27Speaker 04

  How do you get above it? I mean, I've made.

• 41:29Caleb Hammer?

  If you're keeping track of your payments, knowing what balances you have, you should know how much you're able to purchase. If we even look at it that way.

• 41:35Speaker 04

  Track of like how much I have to purchase. I'm just keeping track of, I'm making the payments at least. I'm not missing them.

• 41:43Caleb Hammer?

  You put $491 towards Karna alone.

• 41:48Caleb Hammer?

  Girl, that's seventeen percent of your high paycheck, of your high paycheck, just going to Karna.

• 41:53Speaker 04

  Groceries.

• 41:54Caleb Hammer?

  That's what you're doing.

• 41:55Speaker 04

  Like, this is my grocery bill because I-

• 41:57Caleb Hammer?

  For your groceries?

• 41:59Speaker 04

  Well, yeah, I don't drive, so I Instacart.

• 42:01Caleb Hammer?

  You're paying him for Instacart? What about the boyfriend? You live with the boyfriend?

• 42:05Speaker 04

  Well, yeah, but he, he does have two jobs and he travels for one of them.

• 42:09Caleb Hammer?

  You gotta take care of your lazy ass and spoiled ass who won't stop spending money they don't have.

• 42:14Speaker 04

  I just-

• 42:15Caleb Hammer?

  No shit, he's taking care of it. Can't rely on you to save anything.

• 42:19Speaker 04

  Well, I'm, I deserve it. I'm worth it, so.

• 42:23Caleb Hammer?

  You entitled prick? What the is that? What is, what kind of defensive nature? I know, listen, you just come onto the camera. Okay, you're not used to getting this kind of pushback. I get it, but that is such a dumb mentality to have. You need to fucking rip that part of you and throw it away or else why even, why, why even be with him?

• 42:43Speaker 04

  I mean, I love him, he's-

• 42:45Caleb Hammer?

  With how self-centered and entitled and disgusting, a statement that is. Why put him through that?

• 42:53Speaker 04

  I mean, he loves me. He's willing to go through it.

• 42:57Caleb Hammer?

  If he watches this back, will he love you?

• 42:59Speaker 04

  Yeah.

• 43:00Caleb Hammer?

  Really?

• 43:01Speaker 04

  Yeah.

• 43:01Caleb Hammer?

  Is he desperate?

• 43:03Speaker 04

  No.

• 43:05Speaker 04

  Not at all.

• 43:08Caleb Hammer?

  You're a person on this earth. I want you to do well. I also agree, you are worth it, the general it. Just like any other human, you are worth sacrifice to make your life better. You are not worth it to fuck your life.

• 43:25Speaker 04

  But I also-

• 43:26Caleb Hammer?

  But all you do is fuck your life.

• 43:28Speaker 04

  I want to be independent in a way. I don't need to rely on him because I can Instacart the groceries, like-

• 43:33Caleb Hammer?

  But, but you're paying him for it. And then just your minimum monthly payments alone because of how much you stack it is going to seventeen percent of your high paycheck month. Just your minimum monthly payments on past groceries.

• 43:44Speaker 04

  I mean-

• 43:44Caleb Hammer?

  Do you not see how dumb that is?

• 43:46Speaker 04

  But I don't have a car. Like, it's just-

• 43:48Caleb Hammer?

  I get that, but he could stop at the grocery store.

• 43:51Speaker 04

  I mean, yes. Sometimes.

• 43:53Caleb Hammer?

  If you schedule a pickup.

• 43:54Speaker 04

  I'm, I've done that. Like I.

• 43:56Caleb Hammer?

  There you go. Do that more.

• 43:58Speaker 04

  But it's just easier to Instacart it and.

• 44:01Caleb Hammer?

  It is easier. It is easier. Ah, you're doing that thing. You're doing that fucking thing from earlier in the episode. I said, I know it's fun. I know it's easier. You're saying things we all know. They are not good reasons. They are not good reasons. I need to rip that from your fucking brain.

• 44:19Speaker 04

  I mean, it just feels good to me. It feels good that I, I don't drive, so I need food. Like I just.

• 44:26Caleb Hammer?

  I need food. I need food. Meal prep. Use the cookbook that comes with the budgeting app right here. And guess what? Have him pick up the groceries. How far is the grocery store from your house?

• 44:35Speaker 04

  Well.

• 44:36Caleb Hammer?

  Hey, how far is the grocery store from your house was the question that I asked that you're gonna answer?

• 44:39Speaker 04

  It's like a 15 minute walk.

• 44:40Caleb Hammer?

  Okay. What?

• 44:42Speaker 04

  Yeah.

• 44:43Caleb Hammer?

  Okay. Oh, I know it's not Europe and we all hate walking us in our fat.

• 44:48Speaker 04

  I.

• 44:49Caleb Hammer?

  But guess what?

• 44:50Speaker 04

  A little bit of groceries. Fine, but $300 worth of groceries.

• 44:54Caleb Hammer?

  Close to walk. You could do shorter trips. You could do smaller trips more frequently and it's honestly good for your health.

• 45:00Speaker 04

  Yeah.

• 45:01Caleb Hammer?

  It's what everyone else does in the world.

• 45:03Speaker 04

  I mean.

• 45:04Caleb Hammer?

  Except for Australia, Canada, the United States.

• 45:06Speaker 04

  But I'm just like lazy. It's easy.

• 45:07Caleb Hammer?

  Yes, you are. Thank you. Self admitting. Self fucking admitting. And you, should you drag him down? Should you drag him down? Is it his fault, his responsibility that you are self confessed lazy? And you refuse to do anything about it because you'd rather just be an entitled little breath for the rest of your life? No, he doesn't deserve it.

• 45:24Speaker 04

  Oh, I know. But I mean, he, he also enables it in a way. Like he's not, he knows I do it. I mean, we just got a dog.

• 45:31Caleb Hammer?

  Blame him.

• 45:31Speaker 04

  We just got a dog.

• 45:32Caleb Hammer?

  You're gonna fucking blame him.

• 45:34Speaker 04

  And he hasn't bought any of the food. I always Instacart it. Like it's just.

• 45:38Caleb Hammer?

  Enables. That's not enabling you. That's him just being, uh, not present, which honestly is not a good quality either in that. But that's not enabling you. No, no, you just tried to deflect with saying he enables you? Trying to pull out a buzzword like that to try to get out of this? Fuck you.

• 45:53Speaker 04

  Well, he was trying to stop my spending.

• 45:55Caleb Hammer?

  Damn conversation. I have seen nothing but.

• 46:00Caleb Hammer?

  Spoiled, lazy, and entitlement. They're enable, what enable? When I tell him that in the post-show, when we bring him on, when I tell him that, what is he gonna say?

• 46:14Speaker 04

  Well, when I send him a picture of five different coach purses, and I say, which one should I buy? And he sends me the one that I should buy. Yeah. Is that not enabling slightly?

• 46:29Caleb Hammer?

  A little bit.

• 46:31Speaker 01

  Witness the beginning of the revolution.

• 46:34Speaker 00

  Hey Mitch, you've been trying to take down these games from Star.

• 46:37Speaker 01

  Film for IMAX.

• 46:38Speaker 00

  Make them remember you.

• 46:41Speaker 01

  The Hunger Games: Sunrise on the Leaping, November 20th, rated PG-13.

• 46:44Caleb Hammer?

  A little bit. But to deflect the whole thing, it is still your choice in the end to purchase.

• 46:48Speaker 04

  I mean, he just supports me. It's making me happy. So I think he just wants me to be happy.

• 46:52Caleb Hammer?

  You're happy to be in this hole and to not be engaged in to be suffer.

• 46:54Speaker 04

  I'm happy to have a coach purse with cherries on it. My retirement?

• 46:58Caleb Hammer?

  Yeah.

• 46:59Speaker 04

  Well, I pause.

• 46:59Caleb Hammer?

  You're happy to die in poverty.

• 47:01Speaker 04

  I pause the payments right now, but I was.

• 47:03Caleb Hammer?

  You're happy to not have a car. Do you want a car?

• 47:05Speaker 04

  I do. I do want to drive.

• 47:07Caleb Hammer?

  You're happy to not have the thing that you want. You're happy to not have the engagement. You're happy to not be healthy. You're happy to not have all these things you want. You're happy to not get seven of these. You're happy to not get seven of these and only one instead. You're happy with this. You're happy with this life? If you're happy with this life, you're never gonna change. You're never gonna change if you are satisfied. But you should not be satisfied because your life is not good. Your life is not good.

• 47:30Speaker 04

  I mean, it's a little good.

• 47:31Caleb Hammer?

  It's not good. You're making it worse and you are gonna have to at 25, 30, you're gonna be battering down the hatches because of the hurricane you have created right now, being a spoiled brat. And then instead of taking any responsibility in your life, you say, well, he enabled me and that's why this is happening. Listen, he might a little, and he should not encourage that, but it is still your choice in the end that you are making.

• 47:57Speaker 04

  Yeah.

• 47:58Caleb Hammer?

  Don't pull that.

• 47:59Speaker 04

  I mean, it's just, I didn't so much before that it feels nice that I can finally.

• 48:05Caleb Hammer?

  Neither did I. I grew up in lower middle class. We got foreclosure notices on the house. Who gives a... Listen, I work for the. I budget, I'm smart, I pay, I'm smart with my money.

• 48:16Speaker 04

  I mean, I also feel like I'm working for what I want. It's just taking me a little bit longer to get there.

• 48:22Caleb Hammer?

  Well, no, you're not. You're only putting what you want on debt. You're not working for it. You're working to pay off the interest on the things you've already purchased. I don't know what the fuck you're talking about. I paid off my debt. I sacrificed to do it so that I can buy the things I want now. I bought the car that I drive out front that I absolutely love. And I purchased that because I sacrificed, paid off debt, got a fully funded emergency fund. And then I could, cuz I budgeted it. You're just debt, debt, debt. If you wouldn't got a car today to fulfill that need, you'd get like a 25% interest dumbass car. And you look at one lot. That's what someone like you does. And you'd say, I deserve it. I'm worth it.

• 48:59Speaker 04

  Well, I am, but um, it just, yeah, I don't.

• 49:05Caleb Hammer?

  That is a mentality that I do not know how to fix. Listen, use the therapist, Asondermind, their partner of the channel. You get three free therapy sessions. Our guests or our audience uses them, I use them. You gotta deal with that mentality. That is some stuff. Tell, say everything you've said in this episode. Make them watch this episode to onboard you. My, this is crazy, dude. So what all are you buying on Karna? You're just saying groceries. Is it only groceries? Bring up your Karna. Will it show me?

• 49:32Speaker 04

  Yeah, yeah. Um, I have the uh, one, um, I did buy my coach purse on Karna. Um.

• 49:39Caleb Hammer?

  You've tried?

• 49:41Speaker 04

  That's really.

• 49:42Caleb Hammer?

  You told me they were necessity groceries.

• 49:46Speaker 04

  But like, it was kind of a necessity to get a new.

• 49:48Caleb Hammer?

  Necessity. No, it wasn't.

• 49:55Speaker 04

  But yeah, I think like, um.

• 49:57Caleb Hammer?

  First of all, you're spending a lot on groceries. I mean, this is, this is insane. 207 like every week.

• 50:02Speaker 04

  Yeah, we do. I mean, I cook a lot. I don't necessarily.

• 50:05Caleb Hammer?

  Yeah, too much probably.

• 50:07Speaker 04

  When I'm cooking, I just kind of make what looks good on TikTok.

• 50:10Caleb Hammer?

  In the next seven days, just in the next seven days, these payments, this is crazy. So just in the next.

• 50:15Speaker 04

  Tomorrow.

• 50:18Caleb Hammer?

  That's scary. The fact that that's where your mind is, you're okay. This all makes sense. You are still in the mindset of like, these minimum payments are these things that I'm delaying are okay. Because I get paid on the day right before they get taken out. So you are, oh my gosh, the way you justify this, you need to build a budget, you need to stick to the budget. You need to have discipline.

• 50:39Speaker 04

  It just feels hard to.

• 50:41Caleb Hammer?

  It is hard, but you have to put the work in. Go through the budgeting class, you get it for free. 10,000 people in our audience have literally taken our budgeting class and all of our classes. I mean, they get them at a discount, but again, you guys get them for free. Cause you're a guest on the show, take it and I will walk with you. Take the quizzes, I will help you. But just because something's hard is not an excuse not to do so. This, your mindset of I can do this because I get paid tomorrow, that is so scary. You cannot be in that situation. Yes, it's Instacart, Instacart, Instacart, Instacart, Instacart, Instacart, all owed in the next month. Then Coach, Instacart, Instacart, Instacart, it's already stretched out to April, Instacart, Instacart, Instacart. Coach, Coach, Coach, Coach, it's, oh, that's completed, I don't think. June, June is still Coach. On a monthly basis, just in March, let's just see.

• 51:27Caleb Hammer?

  Cause you're gonna repeat the cycle. 70.737 plus 2.95 plus 49.09 plus 18.33 plus 63.09 plus 25.65 plus 45.05 plus 70.37 plus 49.09.

• 51:55Caleb Hammer?

  What the is OfferUp? What is OfferUp? What is OfferUp?

• 52:01Speaker 04

  Um, well, it's just like where you can post, um, like stuff to sell or like buy random stuff.

• 52:10Caleb Hammer?

  But I feel like you probably buy.

• 52:12Speaker 04

  Well, yeah.

• 52:13Caleb Hammer?

  Cause it is, it just popped up and said, I have something you might want to buy.

• 52:18Speaker 04

  Well.

• 52:18Caleb Hammer?

  You can't afford.

• 52:20Speaker 04

  Relationship with OfferUp.

• 52:21Caleb Hammer?

  You have a weird relationship with money, you don't respect it, you don't understand how it works, so no shit.

• 52:26Speaker 04

  Scroll, you know, like even if I don't.

• 52:28Caleb Hammer?

  Everything's fine, I don't give a. It doesn't matter. Your minimum monthly payments alone on this is $412.32. And I know that goes down on a monthly basis sometimes. I know that goes down. But well, I know that you'll pay. Sorry. I meant you will pay off some of those line items on a monthly basis. But I know you replace them.

• 52:47Speaker 04

  Yeah.

• 52:47Caleb Hammer?

  Cause all you do is go back. So that's what your minimum monthly payment is. But you can pay this off.

• 52:53Speaker 04

  Yeah.

• 52:53Caleb Hammer?

  In like two months.

• 52:55Speaker 04

  I have so many like payments. Like it's hard to, you know.

• 53:01Caleb Hammer?

  Well, there you go. There's shows that you can't do it. There's shows you can't do it. You just, you just proved it. You just proved that you can't manage your minimum monthly payments. The thing that you said you could in the beginning, you just proved. No, no, no, no, no, no, no, no.

• 53:12Speaker 04

  I've never missed a payment. I can manage them.

• 53:14Caleb Hammer?

  You just accidentally told the truth. You just accidentally told the. You just accidentally told the truth. You just accidentally told the truth for the first time in your fucking life.

• 53:27Caleb Hammer?

  You're not very far from your karma limit, by the way. Oh, you order wine through there as well?

• 53:33Speaker 04

  Well, that was like for like a girls' night type thing.

• 53:35Caleb Hammer?

  Girls' night.

• 53:37Speaker 04

  I have them pretty frequently.

• 53:39Caleb Hammer?

  Pay off our debt night. Should be every night in your house. You don't have, you literally don't have money. You're at your maxes. You're just.

• 53:48Speaker 04

  I mean, there's always money to hang with the girls.

• 53:50Caleb Hammer?

  No, there's, there's literally not. You don't have money. So there's literally not.

• 53:55Speaker 04

  But I can just Instacart it.

• 53:59Speaker 04

  And corner it. So I do kinda have the money. I mean, I had to get the spending power.

• 54:10Caleb Hammer?

  I don't know what to do with a creature like you. That's impossible. How are you not overcoming this? How, how, how is what I'm saying not breaking through to you? What the do I do?

• 54:25Caleb Hammer?

  What is M?

• 54:26Speaker 04

  Mercury.

• 54:27Caleb Hammer?

  Mercury.

• 54:30Speaker 04

  And like, this is like, a credit card I opened, like, freshly eighteen, nineteen.

• 54:35Caleb Hammer?

  Freshly eighteen?

• 54:37Speaker 04

  Well, when I was with the high school boyfriend.

• 54:39Caleb Hammer?

  Gen Z.

• 54:40Speaker 04

  So, like, I just... Half of the charges are just junk, and I think I have been making kind of the minimum payment and not really able to...

• 54:49Caleb Hammer?

  Because everything now is about infantilizing ourselves. The younger we can make ourselves...

• 54:55Speaker 04

  So long ago, like, I just, I've lived a lot of life...

• 54:57Caleb Hammer?

  In your life, it literally wasn't.

• 54:59Speaker 04

  It just seems like so many credit cards go, like, it's just...

• 55:02Caleb Hammer?

  Well, yes, because you're a dumbass, money, but it's, who cares? I just, I don't get it. It doesn't matter. Stop trying to make yourself sound like a child. And for that being a reason why, it's not an acceptable reason. When I was freshly eighteen, I went and got a guitar center card and I [BLEEP] it. By being a dumbass and buying a piano, it's a nice electric piano that I still have because it's really good. But, it was my dumbass choice. Not because I was freshly eighteen.

• 55:30Speaker 04

  But, like, a lot of it too, like, I know it was my choice to open it, but I definitely felt the pressure from the ex-boyfriend, like, I needed to support him. He was in and out of jail, like, I was putting the money on his books, like...

• 55:44Caleb Hammer?

  Listen, no, he's a piece of [BLEEP]. He's a piece of [BLEEP]. And there is, there is, that's, that's the only thing in this conversation that you so far have said that is more, like, I guess, appropriately victim-y, in a way. Because you tried to deflect a lot of things and a lot of bullshit excuses, but, yes, he's a piece of [BLEEP], and I wish you would have gone away quicker.

• 56:09Speaker 04

  Me too.

• 56:09Caleb Hammer?

  And I wish you had someone in your life to tell you that. But, either way, that happened, and he's a piece of [BLEEP]. And...

• 56:15Speaker 04

  He's in prison, so...

• 56:16Caleb Hammer?

  Well, good. For what?

• 56:19Speaker 04

  Um, armed robbery.

• 56:20Caleb Hammer?

  Sounds about right.

• 56:21Speaker 04

  Yeah. He liked to do, well, you said, like, he brought up OfferUp, so I got kind of confused because he used to, like, meet up with people on OfferUp and rob them, um...

• 56:31Caleb Hammer?

  Oh my [BLEEP].

• 56:32Speaker 04

  And, yeah, so... When you said that, I was kind of caught up...

• 56:36Caleb Hammer?

  Can I call him?

• 56:37Speaker 04

  From, no, he's in prison.

• 56:38Caleb Hammer?

  Yeah, can I call him?

• 56:39Speaker 04

  No. How would you call him?

• 56:42Caleb Hammer?

  You can't call people in prison?

• 56:44Speaker 04

  That's not how that works.

• 56:45Caleb Hammer?

  Oh, wait.

• 56:48Caleb Hammer?

  Okay, they have to call me.

• 56:49Speaker 04

  Yeah, yeah, it's like collect call. So you have to pay for it as well to talk to them.

• 56:56Caleb Hammer?

  I can't like get someone to go get them? I don't know.

• 57:00Speaker 04

  During covid, they had where you could make like video visits with them for free. Because it was like covid.

• 57:06Caleb Hammer?

  But I can't like call them in the post show?

• 57:07Speaker 04

  No, absolutely not.

• 57:11Speaker 04

  How would you?

• 57:13Caleb Hammer?

  Can you get in contact with him and ask him to call us?

• 57:16Speaker 04

  Well, like you can like email the inmates, but I haven't done it like obviously.

• 57:21Caleb Hammer?

  Wait for his computer time?

• 57:22Speaker 04

  Oh, yeah, yeah. This is like, he's in prison, prison, like.

• 57:27Caleb Hammer?

  Okay, you have an eighty two dollar and eighty cent minimum payment on this with a two thousand two hundred ninety two dollar and thirty two cents balance. Purchases you're still purchasing. What's the credit limit on this?

• 57:41Caleb Hammer?

  You're over it again. You're over on two and almost on corner. Lady, at this point, what the are we doing? There's always money for girls night. There's literally not. We've talked about three debts so far and two of them you're over and the other one you're close. You are fucking this up so much. This is unacceptable. You are choosing girls night over your engagement. You are choosing your desire for sweet treats over your engagement. You are choosing makeup over your engagement. You're choosing you having a little bit of fun over your engagement. You're selfish and the actions that you are doing are disgusting. I am not going to sugarcoat it.

• 58:25Caleb Hammer?

  This is huge for financial audit. For a year now, my team and I have worked with experts to create what I truly believe are the three best educational programs in the financial space online. We have our budgeting program where I teach you how to create, manage and revolutionize your budget and control your money. And then there's the investing program where I teach you to define what investing profile applies to you and your life. And then teach what specific investing strategies applies to you in that situation. And now finally, we have our debt program where I teach you the best. Ways to pay off debt, manage debt, and even take advantage of good debt. This has been a revolutionary project that we've been working on for over a year now.

• 59:06Caleb Hammer?

  And just like over 10,000 people who've already taken our educational programs, you can now take advantage of all three of them bundled together at a 15% discount. I've heard from thousands of people now who've taken these classes and they've literally changed their lives for the better. And finally, you can too at a more affordable price. Head to CalebHammer.com or click the link in the description below. You will not regret this. It's

• 59:33Speaker 04

  When you put it like that?

• 59:34Caleb Hammer?

  Yes. How else would I put it?

• 59:37Speaker 04

  I'm just young and having fun.

• 59:38Caleb Hammer?

  No, you're not. You're 25.

• 59:40Speaker 04

  I'm 23.

• 59:41Caleb Hammer?

  You're 23. You're not freshly 18 anymore.

• 59:50Speaker 04

  I mean, yeah, but I just, I'm having fun like with my life.

• 59:54Caleb Hammer?

  I know you are. And you're choosing fun with your life over your fiance. No, not fiance.

• 59:59Speaker 04

  Fun with him though.

• 1:00:00Caleb Hammer?

  Not fiance. No, not always.

• 1:00:03Speaker 04

  It's just like when you

• 1:00:04Caleb Hammer?

  The makeup is not fun with him. The makeup is not fun with him.

• 1:00:07Speaker 04

  Happiness.

• 1:00:07Caleb Hammer?

  The makeup is not fun with him.

• 1:00:09Speaker 04

  Is making me happy.

• 1:00:10Caleb Hammer?

  What do you even want to do for a living? Because this is gonna be so hard to crawl out of with your eight, like 20 whatever dollars an hour, 22. It's gonna be so hard in Seattle and not cheap area.

• 1:00:20Speaker 04

  I'm working on promoting, uh, like my

• 1:00:22Caleb Hammer?

  So you want to promote within?

• 1:00:24Speaker 04

  I do, but I need to learn how to drive and work on driving. I have like

• 1:00:29Caleb Hammer?

  Why haven't you learned how to drive?

• 1:00:30Speaker 04

  I just have severe anxiety. Like I've tried. I've taken the written test multiple times. I've worked with, I panic and I like will stop in the middle of the road.

• 1:00:38Caleb Hammer?

  Okay, I get it. I mean, I have a panic disorder when it comes to flying a nail. So I get it.

• 1:00:43Speaker 04

  Yeah. And I'm working on it. Like I see a therapist. I've paid for classes. Like I'm

• 1:00:48Caleb Hammer?

  But you don't have to put in the action.

• 1:00:49Speaker 04

  And I know like in my future, I need to have a car.

• 1:00:53Caleb Hammer?

  You have to put in the action. You can also take public transportation. You admitted that yourself.

• 1:00:56Speaker 04

  Yeah.

• 1:00:56Caleb Hammer?

  So you're afraid of driving. You're okay with being in a car?

• 1:00:58Speaker 04

  Yeah.

• 1:00:59Caleb Hammer?

  With someone else?

• 1:01:00Speaker 04

  Like for the most part, like I have, I do always Uber.

• 1:01:03Caleb Hammer?

  There you go!

• 1:01:04Speaker 04

  But like-

• 1:01:05Caleb Hammer?

  Thirty hours a week is no longer acceptable and you have to blow yourself out of this. Listen, I will gift you a certification of your choice through Course Careers. Have that boost your resume to hopefully get you up the corporate ladder a little quicker.

• 1:01:14Speaker 04

  Yeah. But- Well, end goal, though, I want to be a wedding planner. That's-

• 1:01:18Caleb Hammer?

  That has nothing to do with what you just said.

• 1:01:21Speaker 04

  I know, but like, I just kinda like maybe wanna have my-

• 1:01:24Caleb Hammer?

  Hey, hey, hey, hey, hey, you know what? You don't get to have those goals. You know why? Because you aren't so much set that it is holding so much risk over your head that you are literally unable to start your own business because you just can't do that. Cause you don't even have an emergency fund for your own self. When you start a business, you wanna go in risk free. Best way to do that is to not have any bad debt. You have a lot of bad debt. In fact, max out that debt. Best way to go into a business is-

• 1:01:48Speaker 01

  Witness the beginning of the revolution.

• 1:01:51Speaker 00

  Hey Mitch, you've been trying to take Tony's game from Star.

• 1:01:54Speaker 01

  Film for IMAX.

• 1:01:55Speaker 00

  Make them remember you.

• 1:01:58Speaker 01

  The Hunger Games: Sunrise on the Leaping, November 20th, rated PG-13.

• 1:02:01Caleb Hammer?

  Having at least a year's emergency fund for yourself so you can cash flow your necessities while you are trying to put money and time into a business that will not return right away. That's what I did. That's what people do. That's what real people do who sacrifice to make an impact in this world. That's what forty-eight percent of the job creators in this country do. That's right, forty-eight percent of the jobs come from small businesses. I don't know if that's private sector only or including government jobs, but that's what you could do, but you don't even have the ability to do that. You know why? Because you have bad debt. It is holding over your head. You are required to have an income on the first day or else you won't make your minimum payments. You are holding yourself back from your dream. If you don't give enough about your fiance to get out of this,

• 1:02:40Caleb Hammer?

  hopefully at least this is the reason you would wanna get out of this. If you prefer to have your business and dreams more than him. If that's what gets you there, then that will- If that's what, if that's what gets you there, fine. Sixty dollars and forty cents of interest. And guess what? Yep, you're only doing the minimum payments. Sixty six dollars and forty cents of purchases. What the is a bolero?

• 1:03:02Speaker 04

  Uh, oh, that's a bowling alley.

• 1:03:04Caleb Hammer?

  Great. That's worth going over a credit limit at thirty one point two four percent.

• 1:03:10Speaker 04

  But that's just like an experience. Like, it's like, I'm just living life, like, being young, like.

• 1:03:15Caleb Hammer?

  Okay, she doesn't give a, shut the up. Shut the, just stop. K F, Q F C.

• 1:03:22Speaker 04

  That's a grocery store.

• 1:03:23Caleb Hammer?

  Ten dollars and forty eight cents.

• 1:03:25Speaker 04

  Um, I don't know, maybe.

• 1:03:26Caleb Hammer?

  Yeah, you went and got into a bull. You went and got like an energy drink or something.

• 1:03:30Speaker 04

  Maybe.

• 1:03:31Caleb Hammer?

  Exactly. I know what those, I've been through enough of these.

• 1:03:35Speaker 04

  Well, it's not like I just like walk to go and get the stuff like that. Like, it has to be like out of my way for me to want to go in.

• 1:03:41Caleb Hammer?

  It's fifteen minutes. Fifteen minute walk in America.

• 1:03:44Speaker 04

  Well, Q F C is like twenty five minutes.

• 1:03:46Caleb Hammer?

  But even still, so it's the example, like you actually have a very blessed situation. Most Americans have to drive on a four lane.

• 1:03:55Speaker 04

  Well, and I've made it work. Like, I've worked at.

• 1:03:58Caleb Hammer?

  Made it work?

• 1:03:59Speaker 04

  Different stores. I've taken public transportation. Like, I, I'm doing it. Like, so.

• 1:04:04Caleb Hammer?

  Doing it.

• 1:04:05Speaker 04

  It's not necessarily what I want.

• 1:04:07Caleb Hammer?

  Credit limit on two cards, almost on the Klarna. And then, oh, good, almost on Mission Lane as well. Cause you owe one thousand two hundred thirty seven dollars and thirty nine cents. The credit limit's a thousand four hundred. So you're almost there. You'll be there before you know it. Cause now there's no money to spend on the other card. So you just put them on this card. Yeah, there's no purchases here. There will be soon because that's all you do. Now you can't spend on the Alton. Now you can't spend on the Mercury. So you'll spend on Mission Lane. Yep, betcha. That's what you do. I know how you work. How long does this take to pay off minimum monthly payments only? Without purchasing on it, which I highly doubt will actually be the case, but go, go for it.

• 1:04:42Speaker 04

  Maybe four years.

• 1:04:43Caleb Hammer?

  Okay, it's gonna take nine years. So you're gonna be well into your thirties. Congratulations. That's a wonderful place to be debt with no, yeah, nine years, nine years until you can get engaged. How does that feel? How's that feel? That's great. Nine years until you can start your business in a minimum. That's really great. That's so good.

• 1:05:00Speaker 04

  Feels like my biological clock's ticking.

• 1:05:03Caleb Hammer?

  Yeah, so there you go. No way.

• 1:05:08Caleb Hammer?

  Fifty dollars and thirty nine cents.

• 1:05:11Caleb Hammer?

  Twenty three. She's not even twenty five, she's twenty three. Yeah.

• 1:05:18Caleb Hammer?

  We just gotta cut back everywhere. We just gotta cut back everywhere. You need to make more money. You need to Uber.

• 1:05:23Speaker 04

  Like I can't stop spending.

• 1:05:25Caleb Hammer?

  Yes, you can. Yes, you can. And you need to work with your therapist on this because you're just saying what I want, what I want, what I want. I mean, you can do things like switch your phone bill to helium for like 15 bucks a month. You could do small things like that. That's easy. There's so many options we can do. You don't need 250 dollars a week on groceries. I know for a fact. You don't need to be, you know, you don't need to be getting your bull. Oh, this mercury. I mean, listen, you had fees last year, probably late payments.

• 1:05:51Speaker 04

  Yeah, I, I know. I've never had a late.

• 1:05:54Caleb Hammer?

  For the fees.

• 1:05:55Speaker 04

  Maybe because like.

• 1:05:56Caleb Hammer?

  Does that have a card fee? It's at a 35% interest rate. Kill me now. Yeah, no wonder he's not getting engaged. I wouldn't. This is a mess. And listen to the way you talk.

• 1:06:08Speaker 04

  Well, I think he doesn't also like fully know, like he knows I'm in debt, but he's never seen.

• 1:06:13Caleb Hammer?

  Know in the post show. He's about to know in the post show. You felt you, I'm gonna. This is crazy. Credit one. No.

• 1:06:23Speaker 04

  Actually have two credit ones.

• 1:06:24Caleb Hammer?

  Of course you do. Your, your entire image is just, I fully understand it now. I'm not surprised that you have a credit one, the worst of the worst of the worst of the worst. You have to be the worst of the worst.

• 1:06:38Speaker 04

  Why is it the worst though? Like?

• 1:06:40Caleb Hammer?

  Cause you get fees on a monthly basis that are stupid.

• 1:06:43Speaker 04

  But it's like, I only apply for cards that credit karma recommended.

• 1:06:48Caleb Hammer?

  Why would you listen to that?

• 1:06:50Speaker 04

  Wait, are you not supposed to listen to them?

• 1:06:52Caleb Hammer?

  Why do you care about that? If you're gonna, you should have, you're applying.

• 1:06:54Speaker 04

  Because like most of my financial choices come from them.

• 1:06:58Caleb Hammer?

  What?

• 1:06:59Speaker 04

  Like I read all like the tips and hints and.

• 1:07:01Caleb Hammer?

  Tips and hints are okay, but you're taking a recommended credit card.

• 1:07:04Speaker 04

  Apply for one more card to increase your credit limit. Here's some options.

• 1:07:08Caleb Hammer?

  And that kind of works if you don't spend on them.

• 1:07:13Caleb Hammer?

  It's all you do is spend. You don't know how not to spend.

• 1:07:18Caleb Hammer?

  You're draining my oxygen. It was your stupidity.

• 1:07:23Caleb Hammer?

  You just get fees endless. Oh, you go on here and you purchase forty seven dollars of Uber eats. Uber eats. That's more important.

• 1:07:30Speaker 04

  I don't drive. I don't drive like.

• 1:07:33Caleb Hammer?

  You shouldn't be going out to eat at all. It doesn't matter if you're getting it delivered or you're going.

• 1:07:41Caleb Hammer?

  That should not be your excuse. That should not be your excuse. Hunter, how is that your possible excuse? So this conversation, you don't try. You shouldn't be going out regardless. You shouldn't be going out regardless.

• 1:07:53Caleb Hammer?

  It's just, I don't fucking, this is an impossible conversation. This is an impossible conversation. Credit one. Credit one. Okay. Credit one. Let's see. Huh? What do we got? Oh, good. Six hundred fifteen dollars and thirty six cents on a seven hundred dollar credit card. So there you go. Add that to the almost maxed out. Well done. The minimum payment of thirty one dollars. You get your fees, you get your Uber eats, you get your minimum monthly payments. You just get the bullshit, bullshit, bullshit, bullshit. So stupid. So stupid. We're bringing forty seven dollars of interest around here. So stupid.

• 1:08:26Speaker 04

  My New Year's resolution was to stop Uber eating.

• 1:08:29Caleb Hammer?

  Well, guess what? We're almost done with the second month and you haven't stopped. So New Year's resolution failed like all the other ones. Congratulations.

• 1:08:38Speaker 04

  I'm working on it.

• 1:08:39Caleb Hammer?

  No, you're not. You're literally not. You just purchased on Uber. Shut the fuck up. Shut the fuck up. You're a child. I'm, I'm, I'm borderline done with this conversation. Keep going and I'm, seriously, this is so stupid. The credit one again, four hundred twenty two dollars and forty seven cents. It's been a, we don't, I haven't, there was like a month where people were just horrible and I just had to kick them off. You're approaching that level. It's been a long time. Just stop. You're being a child. Thirty dollars. I know it's hard to be on the camera for the first time in your life. I know it is hard to get confrontation for the first time in your life. You do not have to justify everything. You don't have to be a child. You do not have to be someone. Listen, it is okay to take some feedback and just accept it. Thirty dollar minimum payment on this one. Oh, guess what? We got our fees. We always get fees on credit one. That's what the credit one's known for.

• 1:09:24Caleb Hammer?

  And then ten dollars of interest. Almost maxed out. You got fees. You got bullshit.

• 1:09:31Caleb Hammer?

  It's stupid. It's pointless. It's dumb. You're ruining your life and you're putting this over your engagement, over your business, over your goals, over your desires, over your biological clock, over your blah, blah, blah, blah, blah, blah. Anything and everything you've possibly named. Oh, good. There's actually more to go through. How the possible is that even possible? Plus one, what is this? I've never even heard of it in my life.

• 1:09:50Speaker 04

  Oh, it's plus finance.

• 1:09:51Caleb Hammer?

  Oh, I'm sure.

• 1:09:52Speaker 04

  It's just another one of the ones that credit card recommended.

• 1:09:54Caleb Hammer?

  That credit card?

• 1:09:55Speaker 04

  Credit Karma, yeah.

• 1:09:56Caleb Hammer?

  Who gives a what they recommend? Dude, they are getting a commission from you. I mean, on there in general, when you open credit, you're opening credit to get a certain reward that you want to do or on a credit building strategy. But you just max them out. So you're not focusing on the credit building strategy and you're not focusing on the rewards either because you're just taking the ones that they're like most likely to you be accepted. Of course, credit Karma is gonna or credit one's gonna accept you. They accept anyone. They're bottom feeders.

• 1:10:19Speaker 04

  They also have a thing where like if you don't get accepted, they'll send you $50.

• 1:10:22Caleb Hammer?

  Guess what? Everyone gets accepted for credit one. They're bottom feeders. So that's a dumb and stupid thing. Plus one, you owe $938. Let me guess. The credit limit is going to be like a thousand or something. Let's see. Or 900. No, it's oh, it's 1,100. It's the furthest you've been away. Hundred and almost $70, 160 bucks. Interest being charged. Minimum payment being made. Okay, minimum monthly $34. And there's interest being charged. Six years to pay off.

• 1:11:01Caleb Hammer?

  Upstart. Why are you taking on an upstart loan?

• 1:11:03Speaker 04

  Well, it was in 2021, around the time I moved out of like the Craigslist guy. I really needed money. I was moving around. I needed to get out of that situation. And that money helped. Yeah, it was, it was rough. He had a tattoo of a camel on his big toe. Like camel toe.

• 1:11:26Caleb Hammer?

  Well, don't make him sound cool.

• 1:11:30Speaker 04

  Oh, I would argue that that's not cool.

• 1:11:33Caleb Hammer?

  I'm kidding. Okay. So what? So you had to use to move out from the?

• 1:11:37Speaker 04

  Yeah, well, kinda. So, um, yeah, and like I moved like about an hour and a half away and with like my great aunt. Um, and was just kind, kind of trying to.

• 1:11:48Caleb Hammer?

  Why have you had no stability? I'm so confused. Why couldn't you move back in with your grandma?

• 1:11:51Speaker 04

  Um, she's just older. Um, I mean, obviously that's her sister, but.

• 1:11:56Caleb Hammer?

  Still, but it's a roof. That's all you needed, right?

• 1:12:00Speaker 05

  Bonjour, compadre. It's the.

• 1:12:04Speaker 05

  How do I negotiate so many great travel deals? My greatest gadget, the Priceline app. It's got hotel deals, flight deals, rental car deals, all of those deals in a bundle. Deals, game day deals, concert trip deals. No one deals more deals than Priceline. Hold your horses. There's more. The app lets you filter hotels by neighborhood, vibes, star level, and amenities like pools and spas and beachfronts. Wait, I'm not done. Stop cutting me off.

• 1:12:30Speaker 04

  Kind of.

• 1:12:31Caleb Hammer?

  Did you need your aunt to do anything?

• 1:12:32Speaker 04

  No, um.

• 1:12:33Caleb Hammer?

  So how long were you with the man?

• 1:12:35Speaker 04

  From Craigslist?

• 1:12:36Caleb Hammer?

  Yeah.

• 1:12:37Speaker 04

  Like maybe five months.

• 1:12:38Caleb Hammer?

  In five months?

• 1:12:39Speaker 04

  Yeah.

• 1:12:39Caleb Hammer?

  And the whole time he was trying to?

• 1:12:40Speaker 04

  Yeah. And I would like bring guys over and like he didn't care, like just was kinda always, uh, trying to get after me.

• 1:12:50Caleb Hammer?

  Uh, well, to be clear, I, I just want to be very clear. You did not go in with the acknowledgement and consent and intention to?

• 1:12:59Speaker 04

  No, uh, we never did. Absolutely. I was.

• 1:13:01Caleb Hammer?

  Cause like I wouldn't give a if that's what you guys were deciding to do.

• 1:13:03Speaker 04

  I was never interested, but like, I think what he was expecting was like, oh, a woman's gonna move in. She's gonna wanna sleep with me and do my laundry and like cook for me and like it's gonna be so great. And I have two kids. Maybe she'll take care of them. Um, but that's not what he got with me.

• 1:13:18Caleb Hammer?

  Listen, I, I don't care what any consenting adults do if you go into it with that intention, but you didn't. So I don't, they so.

• 1:13:25Speaker 04

  Yeah. Well, and my great aunt actually came with me to view the apartment before, like to make sure, like check it out with me. So like, I don't know, like.

• 1:13:32Caleb Hammer?

  You never gave in, did you?

• 1:13:34Speaker 04

  No.

• 1:13:34Caleb Hammer?

  Good. Thank you. Thanks. Good.

• 1:13:39Caleb Hammer?

  He doesn't deserve that. Okay, so five months and you had to borrow to get to your great aunt?

• 1:13:43Speaker 04

  Yeah.

• 1:13:43Caleb Hammer?

  Or do you have to borrow to get to her?

• 1:13:45Speaker 04

  Well, so it was like about an hour and a half away. Um, so I had to like move my stuff movers, um, and just kind of-

• 1:13:52Caleb Hammer?

  How much did you have in this house? That you're only there for five months?

• 1:13:55Speaker 04

  Wait, what?

• 1:13:56Caleb Hammer?

  Movers? You needed movers? What did you have?

• 1:13:58Speaker 04

  Well, like, all of my stuff that I like have acquired. I, I previously was in a house-

• 1:14:04Caleb Hammer?

  On survival mode, you don't need stuff.

• 1:14:06Speaker 04

  Like, I had a three-bedroom house for a little bit.

• 1:14:08Caleb Hammer?

  But you don't need stuff. Honestly, it would have probably made sense for you to sell that shit.

• 1:14:11Speaker 04

  Yeah.

• 1:14:12Caleb Hammer?

  To sell it and make money and pay off your debt.

• 1:14:14Speaker 04

  Probably.

• 1:14:15Caleb Hammer?

  Well, still today.

• 1:14:16Speaker 04

  But, I mean, yeah.

• 1:14:18Caleb Hammer?

  How much of it do you have today?

• 1:14:20Speaker 04

  All of it.

• 1:14:21Caleb Hammer?

  Sell it.

• 1:14:22Speaker 04

  But like, use it.

• 1:14:23Caleb Hammer?

  I don't care. I don't care. You're, you're dying in debt and it's preventing you from, actually, don't sell it yet. Not until you fix your behavior, or else you'll just build up-

• 1:14:31Speaker 04

  I actually wanna buy a, a new couch. So, like-

• 1:14:36Caleb Hammer?

  Don't. Like, I don't know what else to say. Don't. You know why. At this point, everyone else knows why. And I'm not gonna put the energy into the why. Like, it's fucking stupid. You think you're in a position to get a new couch?

• 1:14:50Speaker 04

  Well, maybe like I can make payments on it. Me and my boyfriend. Like, he doesn't have very much credit, so-

• 1:14:55Caleb Hammer?

  He can do it. You can't. He-

• 1:14:58Speaker 04

  I mean, like, like thirteen hundred, like, we were looking at a couple, like, that doesn't-

• 1:15:02Caleb Hammer?

  Car bounce is a thousand four hundred and sixteen fucking stupid dollars. The minimum monthly payment is seventy-four dollars. It's a thirty-one, it's a thirty-two percent interest rate, seventy-four dollars and five cent minimum payment. I'm not even gonna let you finish that thought. It's the dumbest fucking thing I've ever heard in my life. Stop being a-

• 1:15:20Speaker 04

  I want like a pullout couch so I can have like my girls over and they can spend the night.

• 1:15:24Caleb Hammer?

  Girls over?

• 1:15:24Speaker 04

  Yeah.

• 1:15:25Caleb Hammer?

  I don't give a fuck about your girls. Go over to them. Go over to them. Go to a park with them.

• 1:15:30Speaker 04

  They all like kinda still live with their parents.

• 1:15:32Caleb Hammer?

  Go to the fucking little, uh, whales. Go to the whales. Okay?

• 1:15:37Speaker 04

  Whale watching?

• 1:15:38Caleb Hammer?

  Yeah, go whale watching. Well, from the shore.

• 1:15:41Speaker 04

  Don't be-

• 1:15:42Caleb Hammer?

  For free.

• 1:15:42Speaker 04

  That, like, boat that you can-

• 1:15:44Caleb Hammer?

  Yes!

• 1:15:54Caleb Hammer?

  This is not a pleasant conversation.

• 1:15:57Caleb Hammer?

  I, I hope you watch this back and see the things you are saying. I know, again, you are not used to being in front of the camera. Really, it's interesting how that works. And you are not used to getting pushed back. I need you to watch this and can reflect on this.

• 1:16:13Speaker 04

  Well, my therapist actually told me I shouldn't watch it.

• 1:16:16Caleb Hammer?

  You shouldn't read the comments. You shouldn't read the comments, just like we tell everyone, every other guest. Every, well, every guest. But maybe watch the episode and reflect on it.

• 1:16:25Speaker 04

  Yeah.

• 1:16:26Caleb Hammer?

  Download it or something.

• 1:16:27Speaker 04

  She said she was gonna watch it.

• 1:16:28Caleb Hammer?

  Good.

• 1:16:29Speaker 04

  Give me some feedback.

• 1:16:30Caleb Hammer?

  Yeah, fuck, good. Thanks, because you're kind of insane. She won't like me saying that, but... I mean, there's 31 cents in your checking account.

• 1:16:49Caleb Hammer?

  This is...

• 1:16:53Caleb Hammer?

  That's all bullshit.

• 1:16:58Caleb Hammer?

  What is your leg? You don't give a fuck.

• 1:17:02Caleb Hammer?

  You've put no effort in to trying to do this thing that the boyfriend is requiring for fiance ship, which is fair because you're being a dumb [__] money and self-centered.

• 1:17:18Caleb Hammer?

  Just Apple, Amazon, Amazon, Amazon, Amazon, Amazon.

• 1:17:24Caleb Hammer?

  Zelle.

• 1:17:25Speaker 04

  Why Zelle, my boyfriend? That's our rent.

• 1:17:29Caleb Hammer?

  Mac. Remedy. Amazon, Apple, Mac, Target. What is it? Is it makeup?

• 1:17:37Speaker 04

  No, that's the dispensary we go to. Um, like the ATM.

• 1:17:41Caleb Hammer?

  For [__] feed?

• 1:17:43Speaker 04

  Yeah.

• 1:17:44Caleb Hammer?

  Well, I'm having Mac, Mac, Mac, Mac, Mac, Mac. Well, actually. I'm having so much Mac, I'm having hundreds of dollars of Mac. I used to spend a lot more. I've definitely budgeted. I'm seeing hundreds of dollars of Mac if you're spending, if you're. I'm down. Hey, hey, if you're spending more, it's also fucking stupid, but this is absolutely beyond so stupid. It used to be like four hundred dollars. Dude, this is like four hundred dollars. This has to be close. Olive Garden, probably after you smoked a bunch of Mac, Apple, Zellin' out money, Mac, Mac, Uber Eats, probably after a bunch of fucking Mac. I didn't know you're fucking pothead. Now I understand why your brains is completely broken. Appleville, Appleville.

• 1:18:25Caleb Hammer?

  Savings a dollar seventy-two cents, technically more than our fucking checking account. Look at us, seven hundred thirty-four in retirement. Guys, we're well on our way. Pull up your phone. Subscriptions, Peacock and photos? Photos, maybe, but you've had every streaming service it looks like. I mean, come on, on Macs, there's at least White Lotus. That's great. Did you have Peacock? What the fuck is Peacock for? Okay, Amazon.

• 1:18:52Caleb Hammer?

  Yeah, a lot of Amazon purchases. There's five things in your cart. What's gonna be in your cart? Oh, good, some oversized, long jumpsuit bull. We really need. Well, I was maybe gonna wear that. Bold and easy coloring book. You don't need a fucking coloring book just because you act five doesn't mean you need to fucking really act five. Stop being dumb. You do not need these artificial plants. You do not need these fucking drain cloggers. You do not need these. I do need those drain cloggers. Maybe you need the drain cloggers and the rope that goes to drain because your pubes keep going down the fucking drain. Whatever.

• 1:19:23Caleb Hammer?

  Himalayan cheese. Oh, that's for my dog. He really loves those. Yeah, and you can't afford a dog. Well. Air tag holder, air tag. You can't afford a dog. You can't afford a puppy. You couldn't afford pet insurance to save your life. You have a cent in your checking account. You can't afford a dog. It is irresponsible for you to have a dog. Me and my boyfriend share the dog, though. You don't recognize this. You don't recognize this. Listen, not everything's a fucking fight. Shut the fuck up. You cannot afford a dog. It is as easy as that. Jeez, for fuck's sake. Dogs, dogs, dogs. This is dog, dog, dog, dog, dog, dog, dog, dog, here, tag, dog, dog, dog, dog, dog. Shut the fuck up! I don't care. I don't care. You can't afford it. Hidden, expandable, men's cozy, hidden. What's he hidden, expanding? Well, every time he gets a boner, it just hides it. What, what is he expanding, hidden?

• 1:20:10Caleb Hammer?

  What is it? Do you guys share an Amazon account? No. What the f**k is going on? The stupid, stupid, it's stupid, it's stupid, it's stupid, it's stupid, it's stupid, it's stupid, it's stupid, it's stupid, I feel like I should yell at you guys for making me go through this stupid.

• 1:20:31Caleb Hammer?

  This is crazy. Yeah, a hundred fifty dollars every two weeks is your cut budget. Four hundred dollars every two weeks is what you used to do on f**king.

• 1:20:39Speaker 04

  Yeah.

• 1:20:40Caleb Hammer?

  Can you say now you're a hundred fifty dollars every two weeks?

• 1:20:42Speaker 04

  Do you partake?

• 1:20:44Caleb Hammer?

  Do I partake?

• 1:20:45Speaker 04

  Should have brought you some edibles, I actually make that.

• 1:20:47Caleb Hammer?

  No, thank you, I'm okay, I get anxious with them. Listen, I don't have, I don't have an issue with like, I don't have an issue with sex, I don't have an issue with f**king beer, I don't have alcohol or whatever. If you, if you are able to recreationally doing something without an addiction, that's fine. But you are on an obviously habit pattern, a pattern that a lot of people base their life around eventually. Come on, more information is coming out that it is really not healthy for you. More information is coming out that people get more life dependent on it, even if you don't get the withdrawal symptoms that you'd get and other things, you tend to feel sad when you're going away from it. You tend to like, what is the point of like, I, I used to get high and go do this, now it's not as fun to go do that anymore. A lot of people are really recognizing this in today's culture.

• 1:21:29Caleb Hammer?

  I don't have a problem against substances on a recreational way, I don't care, I get anxious, so I don't. But I don't give a f**k, you are obviously in a habit driven mode, meaning if you stop, things would be sh** for you.

• 1:21:39Speaker 04

  It's a part of my daily life, I've.

• 1:21:41Caleb Hammer?

  Exactly, that is not good.

• 1:21:42Speaker 04

  Been for many years smoking weed and I think like, it is kind of like my medication a little bit.

• 1:21:47Caleb Hammer?

  Girl, a month and a half of your income goes to your annual f**king amounts on your cut back budget, cut back budget. Meaning three months went to it previously, three months of your Starbucks working.

• 1:22:00Caleb Hammer?

  Everything makes so much more sense and I understand why you are completely fried. For ride. What is your portion of rent?

• 1:22:08Speaker 04

  Eight seventy-five.

• 1:22:10Caleb Hammer?

  Eight hundred seventy-five dollars. Okay, utilities, your portion of utilities.

• 1:22:17Speaker 04

  Um, well, I pay the internet and the like PUDs is usually it's about two hundred dollars a month.

• 1:22:25Caleb Hammer?

  Because of PUD.

• 1:22:26Speaker 04

  That's like our electric bill, usually like our heat.

• 1:22:29Caleb Hammer?

  What's your phone bill?

• 1:22:30Speaker 04

  Uh, fifty-five.

• 1:22:32Caleb Hammer?

  It's actually not the worst. Again, I would switch to something like helium.

• 1:22:35Speaker 04

  I do. I'm also paying.

• 1:22:36Caleb Hammer?

  How much for public transportation and Uber on a monthly basis? What do we allot to it? A lot. Come on. What can I allot?

• 1:22:42Speaker 04

  A hundred dollars.

• 1:22:43Caleb Hammer?

  That's it?

• 1:22:44Speaker 04

  On the high end for.

• 1:22:45Caleb Hammer?

  I don't know how you'd afford a card payment or a car insurance.

• 1:22:48Speaker 04

  Yeah, I think that's like part of the problem for me, especially with all like my payments. Like ideally, I would cut back a lot of the credit card debt and then I could afford a card payment instead or car insurance.

• 1:23:02Caleb Hammer?

  I don't know, man. I don't know. Shit gets real expensive. Interest rates aren't great. Car market hasn't fully cracked it all the way down. I don't know if it ever will again.

• 1:23:12Speaker 04

  Well, I think I'd be willing to like take out like a like a loan maybe or like.

• 1:23:16Caleb Hammer?

  Great. Let's delay the engagement in the business even more. Well done. Life has been so successful. Every loan you've been so good at, everything's been so well. Yeah, let's keep.

• 1:23:24Speaker 04

  Like a car loan, like.

• 1:23:26Caleb Hammer?

  Oh, a car loan. That's not any different. It's only on a depreciating asset.

• 1:23:30Speaker 04

  Well, I just don't. I don't really know how it works, but.

• 1:23:33Caleb Hammer?

  No.

• 1:23:36Caleb Hammer?

  I'm not going to explain it because I don't think, that's not where we are in this conversation.

• 1:23:39Speaker 04

  Yeah, I haven't needed it.

• 1:23:40Caleb Hammer?

  We're on the basic level of literally your minimum two payments for fun are eight hundred two dollars and fifty-six cents. Fucking crazy, dude. Necessary food. You're allowed to contribute three hundred dollars to the household food. You're allowed to contribute a hundred dollars to the TP fund. This is also makeup. That is your alta. It is toilet paper. It is tampons. It is anything and everything you need. Medications on a monthly basis or any medical expenses. What? You said you have therapy?

• 1:24:03Speaker 04

  Yeah, but it's actually free.

• 1:24:05Caleb Hammer?

  Cool. How much medications and everything?

• 1:24:07Speaker 04

  Um, like forty dollars on medication.

• 1:24:10Caleb Hammer?

  Okay, gym?

• 1:24:11Speaker 04

  Uh, yeah, I have a gym.

• 1:24:12Caleb Hammer?

  How much?

• 1:24:13Speaker 04

  Uh, twenty-seven.

• 1:24:16Caleb Hammer?

  Subscriptions, do you pay for pet insurance?

• 1:24:18Speaker 04

  I don't pay for it.

• 1:24:19Caleb Hammer?

  Okay, no subscriptions for you. Cancel that bullshit, certainly don't need it. Oh, your phone bill is 55, I put that in the wrong area. Okay, anything else that needs to be in your budget that I have not taken into account yet?

• 1:24:30Speaker 04

  Well, the-

• 1:24:33Caleb Hammer?

  No, are you fucking moronic?

• 1:24:35Speaker 04

  That needs to be in there.

• 1:24:37Caleb Hammer?

  Okay.

• 1:24:40Caleb Hammer?

  Then with that, go-

• 1:24:41Speaker 04

  I'm willing to cut it, but it has to be in there a little bit.

• 1:24:45Caleb Hammer?

  It's not in there.

• 1:24:46Speaker 04

  A part of my fun, or like that a hundred dollars, like-

• 1:24:53Caleb Hammer?

  Guys, join us for the post show after this. I'm gonna at least hopefully try to make progress with her boyfriend talking to her. Hopefully that'll help because after that, that's the dumbest fucking thing I've ever heard in my life. Shut the up, Hammer Financial Score, you.

• 1:25:10Caleb Hammer?

  Join us in the post show and make sure you download the simpler budget app so your finances don't end up like her and you can take all of our classes bundled together for 15% off. Join the over 10,000 people that have and have changed their financial future. I'll see you guys in the post show, join below, come on, dumb. She said this is because you enable her.

• 1:25:31Speaker 04

  In a lot of ways, I-

• 1:25:33Caleb Hammer?

  Oh.

• 1:25:35Speaker 04

  Do you really think it's your fault? But we're having fun.

• 1:25:38Caleb Hammer?

  Well, good, they're having fun. Maybe you guys should get married because you guys are both stupid and you're both gonna die in poverty. Let the rest of us watch you die and crumble. But it's fun! You know you guys are addicts.

• 1:25:49Speaker 04

  Yeah.

• 1:25:50Caleb Hammer?

  To watch the Financial Audit Post Show, click the join button below.

• 1:25:53Speaker 00

  Welcome to the 50th Hunger Games.

• 1:25:55Speaker 01

  Witness the beginning of the revolution.

• 1:25:58Speaker 00

  Hey Mitch, you've been trying to take down these games from the start.

• 1:26:01Speaker 01

  Filmed for IMAX.

• 1:26:02Speaker 00

  Make them remember you.

• 1:26:05Speaker 01

  The Hunger Games: Sunrise on the Reaping, November 20th, rated PG-13.