Privileged Sugar-Baby Is A Vile Leech | 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

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• 0:28Speaker 01

  Para los grandes, para los chicos, para los bajos y los altos, los pacifistas, los valientes. Para los optimistas y los pesimistas, los que valoran lo de adentro. Para los que están lejos, los que no ven de lejos, y los que no ven de cerca. Para los introvertidos y los extrovertidos. Para los que piensan y los que hacen. Para los que nos mostraron el camino. Coca-Cola, para todos. Compra una Coca-Cola en una tienda cerca de usted.

• 0:58Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. You don't even know, you didn't even know how much debt you have.

• 1:04Speaker 03

  I know I have an eviction on my name. Is that not on there?

• 1:08Caleb Hammer?

  You are an adult with a child. They're saying he pays the entire rent.

• 1:12Speaker 03

  Yeah, it's like 1,100 bucks.

• 1:13Caleb Hammer?

  That's huge!

• 1:15Speaker 03

  Yeah, but I don't pay it.

• 1:16Caleb Hammer?

  Exactly. Does he know your entire financial situation?

• 1:19Speaker 03

  Not necessarily.

• 1:21Caleb Hammer?

  That's stupid. You have a child. That is selfish. That is disgusting. Financial Audit Live in Austin, Texas on February 22nd. Go to CalebHammer.com/live or check out the link in the description below.

• 1:32Speaker 03

  Hi, I'm Amber. I'm 25. I'm based out of Sulphur Springs, Texas, and this is Financial Audit.

• 1:39Caleb Hammer?

  Thanks for coming over to Austin. Happy to have you here. What do you do in Sulphur Springs? Sounds like the most pleasant place to live.

• 1:46Speaker 03

  Yeah, so, super great. I'm a nail tech. I've been doing nails for about two and a half years. Oh, they-

• 1:53Caleb Hammer?

  Up, up, up into the camera.

• 1:56Speaker 03

  They're not done.

• 1:56Caleb Hammer?

  Okay. Interesting.

• 1:58Speaker 03

  So with my son- Yeah, I don't do my nails because I have my son and, um-

• 2:04Caleb Hammer?

  What?

• 2:05Speaker 03

  I have my son, so I don't want to like, you know, scratch him.

• 2:09Caleb Hammer?

  My mom has her nails done. What do you mean you have your son? What does that mean?

• 2:13Speaker 03

  He's a baby, so I don't want to scratch him changing diapers and changing clothes and-

• 2:17Caleb Hammer?

  How old is this little-

• 2:18Speaker 03

  He just turned six months yesterday.

• 2:20Caleb Hammer?

  Whoa, okay.

• 2:23Caleb Hammer?

  Well, that actually screams interesting. I had notes that I was scanning before this. There was this note here. That she thinks her father's child needs this show more than she does. What the does that even mean? She thinks her father's child needs to show more than she does.

• 2:38Speaker 03

  Yeah, so I

• 2:40Caleb Hammer?

  I'm confused what that means. Her father's child, as in?

• 2:44Speaker 03

  My baby daddy.

• 2:45Caleb Hammer?

  Who's father's child?

• 2:47Speaker 03

  Like my baby dad, my baby daddy needs this show more than me.

• 2:50Caleb Hammer?

  Okay, well, that read incorrect. Your child's father?

• 2:54Speaker 03

  Yeah, my child's father needs, probably needs to show more than me.

• 2:58Caleb Hammer?

  About him. Wait a minute, is, are you guys like together?

• 3:01Speaker 03

  Yeah, so we're engaged. We've been engaged, we've been engaged for like maybe

• 3:06Caleb Hammer?

  Where's he?

• 3:06Speaker 03

  He is on the road. He is a, he owns his own hot shotting company.

• 3:10Caleb Hammer?

  I feel like this would have been a pretty good conversation to have as an engaged couple.

• 3:13Speaker 03

  Yeah, I definitely tried my hardest to do that. He was not having it.

• 3:18Caleb Hammer?

  Vroom, vroom, driving, driving everywhere.

• 3:19Speaker 03

  Yeah, gotta make that money.

• 3:21Caleb Hammer?

  Cool. So you guys have a kid together engaged? How long have you guys been together?

• 3:25Speaker 03

  Uh, we've been together a total of like six, almost six years now. We've been engaged for like

• 3:29Caleb Hammer?

  Very good.

• 3:30Speaker 03

  Two years, two and a half.

• 3:32Caleb Hammer?

  Okay, so nail tech with a new kid, pretty much. I mean, six months, basically new, fresh off the assembly line. What are you making?

• 3:43Speaker 03

  Um, I, I try to average, um, at least like

• 3:48Caleb Hammer?

  Try to average. Do you average? What do you actually average?

• 3:51Speaker 03

  Okay, so I would say actually average, um, probably like eight hundred a week.

• 3:57Caleb Hammer?

  Are you employed?

• 3:58Speaker 03

  So, no, I'm like an independent, like party, basically. Like I, I ran a suite out of a salon.

• 4:05Caleb Hammer?

  Which is fine, eight hundred a week. Are we saying fifty weeks a year? Fifty-two? Every week?

• 4:09Speaker 03

  Yeah.

• 4:10Caleb Hammer?

  Every week. You're working the week of Christmas and everything.

• 4:13Speaker 03

  I take like Christmas Eve and Christmas Day off, but other than that.

• 4:17Caleb Hammer?

  Well, this is call fifty one, be conservative, eight hundred a week. You try to average. So forty thousand eight hundred dollars a year.

• 4:23Speaker 03

  Ri- roughly.

• 4:24Caleb Hammer?

  Okay, uh, about three thousand four hundred dollars a month. Now, of course, that means we're setting about a thousand two hundred aside. Sorry, a thousand twenty aside for taxes because you're your own business, right? Because you're not employed, correct?

• 4:38Speaker 03

  Not correct. No, I do not.

• 4:39Caleb Hammer?

  You are employed.

• 4:40Speaker 03

  I'm I'm employed by myself, but like, I mean, I I'm supposed to be putting taxes back, but I do not do that.

• 4:47Caleb Hammer?

  Financial auto bingo. Here we go. Okay, so why the possible? Uh. Are you not setting money aside for taxes?

• 4:54Speaker 03

  I feel like I can just come up with it later on, whenever like I do my taxes and like it needs to be done.

• 5:00Caleb Hammer?

  Yeah.

• 5:00Speaker 03

  I'll just like grab it out of thin air and be like.

• 5:02Caleb Hammer?

  So taxes are gonna be due here soon. You have enough saved up in savings.

• 5:06Speaker 03

  No.

• 5:07Caleb Hammer?

  Okay, where's thin air? I don't see that air being very thin around you right now.

• 5:10Speaker 03

  I'm just hoping and praying they like let me do like a payment plan with it, so I can.

• 5:14Caleb Hammer?

  That's good. Okay, what about last year's taxes?

• 5:16Speaker 03

  No, not done. My sister is.

• 5:18Caleb Hammer?

  Wouldn't you have pulled that out of thin air according to your logic? According to the logic of Amber, thin air Amber.

• 5:26Speaker 03

  So my sister is a CPA, um, and so I had talked to her about like how much roughly it would have been for me to do my taxes. And, um, I was, she, I was told about thirty five hundred, but I like I'd have to pay in for my like self employment tax and all that kind of stuff.

• 5:44Caleb Hammer?

  Just self employment tax or all taxes combined?

• 5:46Speaker 03

  Um, self employment tax alone is what she told me. Um, she did not do like everything, so I could see exactly how much it would be, but that alone, like that number alone.

• 5:56Caleb Hammer?

  For this year or last year?

• 5:57Speaker 03

  For last year.

• 5:58Caleb Hammer?

  Okay, so if you, if it's been that much, why haven't you done that?

• 6:03Speaker 03

  I ha-

• 6:04Caleb Hammer?

  We have to do that. It's Mr. Soder's fun fact little thing.

• 6:06Speaker 03

  Right, right, right.

• 6:07Caleb Hammer?

  Red, white and blue area?

• 6:08Speaker 03

  But I was having a baby, so I was just like, I'll deal with that as it comes.

• 6:12Caleb Hammer?

  Government's kind of soulless. I don't think they care.

• 6:14Speaker 03

  Uh, that's also true, but at the same time I was like, I don't have this now.

• 6:18Caleb Hammer?

  Pregnant at the point, you didn't have the baby. So you're like, when taxes were, last time babies been. here for six months and you could have been preparing for it the entire way when you're un-pregnant and getting pregnant fine.

• 6:29Speaker 03

  But I was like, I don't get a paid maternity leave. Like I have to make my own.

• 6:32Caleb Hammer?

  Yeah, congratulations. You're a business owner. There are things that come with it. You take the rest, but you get the reward as well. If things go well. So let's not complain about that.

• 6:39Speaker 03

  Right. Not complain, but I mean, at the time, it just wasn't important to worry about taxes whenever I have a baby coming and I want my time off.

• 6:47Caleb Hammer?

  I'm a little confused why that means we do not pay taxes.

• 6:52Speaker 03

  I just felt like it wasn't important at the moment.

• 6:57Caleb Hammer?

  Yeah. Is it gonna be funny to lose your business? What are you talking about?

• 6:59Speaker 03

  It's not, but I definitely.

• 7:01Caleb Hammer?

  Audit is gonna be funny to pay a massive penalty, like a 10% extra thing in taxes. I don't think that's something we can do if we're not able to pay this year's taxes, let alone last year. I don't think we can accept the penalty.

• 7:10Speaker 03

  No, we can't, but it's kind of too far gone at this point. Like it's too late. I mean, I'm gonna get probably penalized.

• 7:18Caleb Hammer?

  Why you didn't do it, though?

• 7:19Speaker 03

  Because.

• 7:20Caleb Hammer?

  And it wasn't just because I had a kid because that was six months ago. You still had the entire time of 2022 to prepare for the taxes. Or sorry, the year of 2023 to prepare for those taxes and you didn't.

• 7:31Speaker 03

  No, I did not. I um felt like I didn't have enough money to put back to worry about those because I was using majority, like the all the money that I was making, like, but like not even thinking about taxes. I was using all of that money to either like pay for things.

• 7:48Caleb Hammer?

  What's pay for things?

• 7:49Speaker 03

  Just like bills, like utilities, things like that, groceries. Like I was coming out like almost negative at the end of the week after all the things that I buy like.

• 7:59Caleb Hammer?

  Then your lifestyle was too high. You had a place you couldn't afford or your business is a non-functioning business.

• 8:05Speaker 03

  Right.

• 8:06Caleb Hammer?

  In the world of mathematics, at least.

• 8:07Speaker 03

  Right.

• 8:08Caleb Hammer?

  Why is your business so nail business? I'm not like the most informed on it. I bite my nails. I'm a naughty little guy. Okay. So what does a normal nails business bring in?

• 8:18Speaker 03

  Um, I'm actually. The busiest, most booked person in Sulfur Springs.

• 8:23Caleb Hammer?

  Okay, well, this makes no sense then, because that's not a lot of money for the most successful business in the city. In that category, then, so that means that category is not a good category for that area. Maybe there's not enough market demand, maybe you're not charging the right prices.

• 8:35Speaker 03

  At the time, I was not charging the right prices.

• 8:38Caleb Hammer?

  Come on, and we see the money that's coming in now, at the time is right now, you're still not bringing in enough for what's considered the most successful business. In your town of a certain category, isn't if you're a mid-level, lower level, I would say, okay, that makes sense. But if we're talking the entire city.

• 8:52Speaker 03

  But I also cut back my.

• 8:53Caleb Hammer?

  Successful.

• 8:54Speaker 03

  I cut back my hours a ton after I had my son.

• 8:56Caleb Hammer?

  Okay, cool, we're talking now. Have you still cut back your hours a ton?

• 9:00Speaker 03

  So I was working before I had him, I was working like six days a week.

• 9:03Caleb Hammer?

  Wonderful, so then you had enough money to pay all your bills and be able to pay the taxes then, so that logic starts to fall apart.

• 9:09Speaker 03

  So like whenever tax, income tax time like came in, like this past February, whenever like things had to be paid off.

• 9:15Caleb Hammer?

  Why didn't you even file, though? Why didn't you even file? Why didn't you even file? Why didn't you even file? And say, I cannot pay this and file an extension, you can file extensions?

• 9:25Speaker 03

  I kept on coming up with excuses to not do it.

• 9:28Caleb Hammer?

  But that doesn't make any sense, your extension would have been due a month ago, like you would have had a long time to come up with the money.

• 9:33Speaker 03

  Yeah, I really didn't think about it or consider it.

• 9:36Caleb Hammer?

  You have a CPA relative.

• 9:37Speaker 03

  Right. And she does get on my ass about doing my taxes.

• 9:42Caleb Hammer?

  Then why aren't you being responsible? You have a child, you want to fill this up before they have a chance to start gaining memories? You want them to live in a world where they have no sense of security? That's not fair to them, then you have to pay taxes, these are basic minimum responsibilities as a business owner, fun fact. And trust me, it's not fun to cut that check, I cut that check, it hurt, it sucked, it could have gone to a lot of growth in the business.

• 10:03Speaker 03

  I mean, yeah, but.

• 10:05Caleb Hammer?

  Yet do it, because it is what it is, was what it is, is what it is.

• 10:10Speaker 03

  I mean, it's going to get done eventually.

• 10:12Caleb Hammer?

  And last year's taxes haven't been paid, and this year's are about to have to be paid.

• 10:15Speaker 03

  Right, I was hoping having a baby was like gonna help level out and balance like some of that.

• 10:21Caleb Hammer?

  Go on.

• 10:22Speaker 03

  You know, income taxes and people get paid for it.

• 10:24Caleb Hammer?

  A lot of child tax credits.

• 10:26Speaker 03

  Right. Yeah, so I was hoping like that was going to help me.

• 10:30Caleb Hammer?

  Years, but with the full, well, I don't know how much you're able to, like, I'm sure you get supplies and some things in the rent, you can start deducting some things. Uh, maybe some stuff is also a write-off, who knows, but either way. Even with the income that is coming in that you're spending on other things with the child tax credit.

• 10:49Caleb Hammer?

  Tax situation might change next year, actually, but we'll see. That'll be curious to see. Either way, with you having to take care of self-employment and income and, you know, all, just pretty much every tax that comes with your situation versus just being a W2 employee, would it have fully covered at your income scale? Potentially. We don't know yet, but you also won't know until you file. And what do you mean? I, I'm a little confused how having a kid this year would have changed 2023's taxes. So what, what does that even entail? So?

• 11:18Speaker 03

  I think that I just didn't think it was.

• 11:22Speaker 03

  I don't wanna say it's like, I didn't think it was that big of a deal, but at the time it wasn't.

• 11:25Caleb Hammer?

  Though, I'm sorry for interrupting. I just, why do you have that thought? Like, and where do you think it's not a big deal? What do you think is a big deal then? Because this is a very, very dangerous thought to have as a business owner.

• 11:35Speaker 03

  Like, my first year, I didn't make a ton of money. I wanna say, like, on paper, I technically showed I made about 20,000.

• 11:41Caleb Hammer?

  Pause. When was your first year?

• 11:43Speaker 03

  Um, it was 20, hold on. Were in 24? So 2022 would have been, and I was like, well, I didn't make that much money. So like, maybe I'll have time next time when the, like, I have to do it again for me to worry about that at the time.

• 11:59Caleb Hammer?

  2022's taxes?

• 12:02Speaker 03

  Did I?

• 12:05Speaker 03

  No, did not. I did not.

• 12:07Caleb Hammer?

  Oh, for sake, when was the last time you've paid taxes?

• 12:10Speaker 03

  So, the last time I had, like, a job, which was, um. Okay, no, I'm lying. I'm lying. I'm lying. So 2022 was the last year that I, like, actually worked. I did file income tax 2023 year for 2022 because I went to school and I paid.

• 12:29Caleb Hammer?

  This job in 2022 as well?

• 12:31Speaker 03

  So I was working that part-time. Like, I was doing that part-time, but I was working like a.

• 12:34Caleb Hammer?

  Did you file? Did you claim that income?

• 12:36Speaker 03

  Um, I couldn't technically because I was not licensed, so I couldn't be, like, chock.

• 12:40Caleb Hammer?

  So you were illegal. You were in a legal business?

• 12:43Speaker 03

  So I was, I was waiting on.

• 12:45Caleb Hammer?

  Is this out of your house?

• 12:46Speaker 03

  No, no, no. It's at, like, it's at a shop, like, at an L shop. I mean, I mean, it's at a hair salon.

• 12:51Caleb Hammer?

  That rent?

• 12:52Speaker 03

  So the rent there is a hundred dollars a week.

• 12:55Caleb Hammer?

  Oh, my. We live in different towns.

• 12:57Speaker 03

  Well, yeah, for sure.

• 12:59Caleb Hammer?

  If you heard the rent on the place we're looking at moving to.

• 13:02Speaker 03

  I mean, I'm getting like a, I have like a small room inside the shop.

• 13:05Caleb Hammer?

  How big?

• 13:06Speaker 03

  Um.

• 13:06Caleb Hammer?

  Compared to this room?

• 13:08Speaker 03

  Probably, I mean, it's definitely like, like a fourth of this, probably.

• 13:13Caleb Hammer?

  Oh, this is a closet. It's a literal closet.

• 13:16Speaker 03

  Um, not necessarily, but yes, it's definitely a small.

• 13:19Caleb Hammer?

  It's a closet size.

• 13:20Speaker 03

  Right. It was like a typical, like a, it was like a storage room at one point that they changed it into like my new room.

• 13:26Caleb Hammer?

  Good, cuz that's, I, I, I would have been very concerned. So you got about four hundred hours a month in rent?

• 13:30Speaker 03

  Right.

• 13:31Caleb Hammer?

  Okay, I would have been concerned if it was much higher, cuz really, what we're dealing with here, it's like you got everything to be pretty locked down for any kind of margins.

• 13:40Speaker 03

  Right. So, and I'm not, I mean, I think my biggest thing is I just need to make more money, but I also need my kid to be.

• 13:47Caleb Hammer?

  That's what everyone says. Everyone thinks they need to make more money. You don't think it has to do with behavior. Why is there a lot of debt in front of me? What's happening?

• 13:53Speaker 03

  Um, I did get into a lot of credit card debt over the last like year, I would say.

• 13:59Caleb Hammer?

  Year, okay.

• 14:00Speaker 03

  Um, that's where majority of my debt is at and.

• 14:04Caleb Hammer?

  What year? Why?

• 14:05Speaker 03

  So like twenty twenty four.

• 14:06Caleb Hammer?

  Yeah, but why?

• 14:07Speaker 03

  Um, because if I just didn't have, like I was, I but got the credit cards to build my credit because it was like in the sh- From.

• 14:16Caleb Hammer?

  Why was it in the sh-

• 14:17Speaker 03

  So I had an ex a few years ago that.

• 14:21Caleb Hammer?

  A few years ago? You've been with this guy for six years. We're talking past beyond that?

• 14:23Speaker 03

  Before then, before then.

• 14:25Caleb Hammer?

  Eighteen?

• 14:25Speaker 03

  Yeah, so he helped me build my credit up. Like he was working with me to build my credit up. We were looking at like potentially gonna buy a home, um, get vehi- get a vehicle in my own name. And he is a felon, so he actually had my social security number that he took and took out loans in my name to pay off parole fines.

• 14:46Caleb Hammer?

  So, did you even know?

• 14:47Speaker 03

  I did not know until it had hit my credit. Um, about a, about a, about a year after, cuz he paid on it for a little bit and then he just stopped paying on it.

• 14:57Caleb Hammer?

  Oh, you mean when delinquents hit your credit? Is that what you mean?

• 15:00Speaker 03

  Yeah, yeah, yeah, yeah.

• 15:01Caleb Hammer?

  Not the credit actually being reported?

• 15:03Speaker 03

  Yeah, yeah. Cause like I didn't pay attention to my credit card at the time. Cause I was like, well, I have, I have a credit card. I make, I make the payments on it. Like I'm never like over the limit. I'm never late on my payments. I was like, it's not that big of a deal until I get like a notification. So and so like hits your credit.

• 15:18Caleb Hammer?

  Hold on. Your finances are be clear.

• 15:21Speaker 03

  Yeah.

• 15:22Caleb Hammer?

  A lot of it just to build credit, apparently, even though now we have cards that aren't, you know, you're not able to pay off. So we destroyed ourselves there. But one of the opening things here in this conversation was, No, the person that needs it's my fiance. So are you?

• 15:34Speaker 03

  We both need it.

• 15:35Caleb Hammer?

  Are you, are you with someone with worse finances than you?

• 15:39Speaker 03

  Not necessarily. I mean, he doesn't have a lot of credit card debt.

• 15:41Caleb Hammer?

  Then why was the note that you specifically told our producers is that he needs it more than you?

• 15:46Speaker 03

  Because I feel like he doesn't, um.

• 15:49Caleb Hammer?

  Oh, your credit score is five sixty-four.

• 15:53Caleb Hammer?

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• 16:33Caleb Hammer?

  This is the best way to learn what your investing profile looks like and what investing strategies to use based on that. All of this free money is linked in the resources section of the description below. So don't pass up the free money because I'll punch you.

• 16:46Speaker 03

  Um, I feel like he doesn't, not necessarily budget the way he's supposed to, but he has like two vehicles. I don't know. I have attempted to in the past and I just can't.

• 16:56Caleb Hammer?

  What are you doing? What kind of deflections that?

• 16:59Speaker 03

  I mean, I think he just has more like overall debt as far as like vehicles. So.

• 17:03Caleb Hammer?

  Do you even know? Do you know his financial situation?

• 17:07Speaker 03

  Kind of, yeah.

• 17:08Caleb Hammer?

  Kind of? What is kind of? Yeah.

• 17:10Speaker 03

  So like, I'm not like totally in on everything. Like we don't share bank accounts. Like I don't look.

• 17:14Caleb Hammer?

  Do you know his entire debt situation and financial situation?

• 17:19Speaker 03

  It just

• 17:19Caleb Hammer?

  You're engaged and you don't know what he's bringing into this? Does he know your entire financial situation?

• 17:25Speaker 03

  Not necessarily.

• 17:26Caleb Hammer?

  Why? Why are we not talking about this? You want to get in a situation again?

• 17:28Speaker 03

  I think he's

• 17:29Caleb Hammer?

  With Mr. Fallon? You want that on repeat?

• 17:30Speaker 03

  No, I think a lot of it is he's had past like relationships that they they just never they've just never done that.

• 17:38Caleb Hammer?

  Has he had past marriages?

• 17:39Speaker 03

  Yeah.

• 17:40Caleb Hammer?

  Oh.

• 17:41Speaker 03

  He is thirty three.

• 17:42Caleb Hammer?

  Okay.

• 17:42Speaker 03

  And I, yeah, so it's like a nine year age gap between us.

• 17:45Caleb Hammer?

  I don't care eight, but

• 17:46Speaker 03

  Or eight, yeah.

• 17:48Caleb Hammer?

  But I don't care about that, but his past marriage obviously didn't work.

• 17:52Speaker 00

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• 18:21Speaker 03

  No.

• 18:21Caleb Hammer?

  And they didn't share finances?

• 18:23Speaker 03

  I'm assuming no, I mean, he's

• 18:24Caleb Hammer?

  And finances are one of the leading causes for divorce in this country, so maybe that was a situation that didn't work. Maybe he should try something a little different if there was a marriage that failed. So maybe you guys should probably share finances?

• 18:34Speaker 03

  Definitely tried to be like, I need to be on the same page as you because like

• 18:38Caleb Hammer?

  What does that look like?

• 18:39Speaker 03

  I usually don't know information as far as like, um, potentially like bill situation until it's like too late for me to try to like rectify anything. Like if something is late, like I won't know about it until it's almost too far gone for me to like try to potentially help.

• 18:56Caleb Hammer?

  On his end?

• 18:56Speaker 03

  Because he feels like he he needs to take care of everything and he doesn't need help.

• 19:01Caleb Hammer?

  Is he not able to be a partner? So you know what the word partner means?

• 19:05Speaker 03

  So I think that he

• 19:06Caleb Hammer?

  Do you know what a marriage is?

• 19:08Speaker 03

  So didn't have the best, um, situation growing up, like as far as like what marriage looks like, um, and I think

• 19:14Caleb Hammer?

  So he should probably try to do the opposite then.

• 19:16Speaker 03

  Right. Um, and I've tried to talk to him about that and be like, listen, like I need to know like what is going on.

• 19:21Caleb Hammer?

  And you're willing to go through with this marriage because that's that's what I'm trying to call out here is you're willing to go through with this.

• 19:26Speaker 03

  It's something that we've we have been working on. So more recently, he has been letting know a little bit more about this financial situation. I would say within the last like maybe like month.

• 19:34Caleb Hammer?

  When's the marriage?

• 19:36Speaker 03

  We have nothing said.

• 19:37Caleb Hammer?

  How long have you been engaged again?

• 19:39Speaker 03

  Two and a half years.

• 19:39Caleb Hammer?

  Oh, wow. That's a long time to work on.

• 19:43Speaker 03

  So, I mean,

• 19:44Caleb Hammer?

  You jumped the gun on the kid without knowing

• 19:47Speaker 03

  Completely accident.

• 19:48Caleb Hammer?

  Your entire situation is like.

• 19:49Speaker 03

  Completely accident, yeah.

• 19:51Caleb Hammer?

  Hmm, rubber, yes.

• 19:52Speaker 03

  Should have, yeah.

• 19:54Caleb Hammer?

  Well, self-assessed. Where do you think your finances are? One, zero being the absolute worst, ten being the absolute best. Where do you think your finances are?

• 20:01Speaker 03

  I would say probably three. It's definitely, I mean, I know I'm not like in a, like a crazy amount of debt as far as I go.

• 20:08Caleb Hammer?

  Twenty-one thousand eight hundred nineteen dollars of debt for your income is pretty horrible. I don't know what you're talking, you don't even know, you didn't even know how much debt you have.

• 20:16Speaker 03

  I know I have an eviction on my name that was a lot of money. Is that not on there?

• 20:21Caleb Hammer?

  I know there's a variety of collections. I didn't know that.

• 20:24Speaker 03

  That, one of the collections is an eviction.

• 20:26Caleb Hammer?

  Know that?

• 20:27Speaker 03

  Yeah, one of the.

• 20:27Caleb Hammer?

  Okay, so you didn't even know how much debt you have. So you're just trying to say that your debt's not that bad and you didn't even know what your debt number was?

• 20:34Speaker 03

  So I knew like credit card debt wise and like, like a loan for some gel polishes I took out was like roughly like six to eight thousand.

• 20:44Caleb Hammer?

  What the?

• 20:45Speaker 03

  Yeah, swear. Did not know.

• 20:49Caleb Hammer?

  You want your Hammer Financial Score? It's free. See where you are on the financial scale. Go to that link in the description below and also come be on the show. Come to Austin. I'll give you a nice little verbal slap. It'll be fun. We'll have a good time. And you can keep anything private that you want to be kept private. Trust me, she cut something very fun from this conversation.

• 21:06Speaker 03

  So sorry.

• 21:07Caleb Hammer?

  But you're allowed to do that. Go to CalebHammer.com/apply. Okay, so you. We know what kind of came in. We had a gloss genius, also known as payroll, thousand dollars. Then we win. You clarified this is payroll. I hear a noise of an infant. Oh, gosh, I am so sorry.

• 21:28Speaker 03

  He does like, he like, sounds like a dog toy. Sometimes he just like squeaks and screeches.

• 21:33Caleb Hammer?

  Yeah, sounded like something dying. Okay, so Venmo in was seven hundred thirty one, Zaline in was six hundred seventy eight. Now I had a loan deposit gloss genius of two thousand. What does that mean?

• 21:43Speaker 03

  So with my, um, the app, the gloss genius app, like that's what I use for like booking appointments, processing payments, um, things like that. They do offer like small business loans.

• 21:55Caleb Hammer?

  Well, what do you, what do, how, what do you mean by that? Hold on, what does that even, what do you mean?

• 22:00Speaker 03

  So like.

• 22:00Caleb Hammer?

  Well, first of all, your income is not lining up with what you said comes in. First of all, this is like a thousand, two thousand so far, but what's this loan?

• 22:07Speaker 03

  That. So the, so the loan, like they allow you to take out a small business loan.

• 22:12Caleb Hammer?

  You keep saying that, but.

• 22:13Speaker 03

  Through them, like, so the gloss genius.

• 22:16Caleb Hammer?

  But for what? Again, it's more than your income so.

• 22:18Speaker 03

  So it was for a gel polish collection.

• 22:21Caleb Hammer?

  Well, it was more than your income.

• 22:24Speaker 03

  Yeah, but I feel like if I had that, I could make more income because now I have more colors of gel polish than like literally anybody in my town.

• 22:35Caleb Hammer?

  You're already winning the town and you don't make enough to survive.

• 22:39Speaker 03

  Yeah, but I felt like that would be like a selling point to raise my prices to like.

• 22:44Caleb Hammer?

  What are your prices? What are your prices?

• 22:46Speaker 03

  So like, I, I know it's nothing compared to like this area's prices.

• 22:50Caleb Hammer?

  Couldn't tell you.

• 22:51Speaker 03

  Right, so, um, like a, a solid color short set, like barely off the tip is like sixty bucks. And then like goes up from there. So.

• 23:02Caleb Hammer?

  How long does that take you?

• 23:03Speaker 03

  About two hours.

• 23:05Caleb Hammer?

  Oh, okay.

• 23:05Speaker 03

  Maybe.

• 23:06Caleb Hammer?

  So thirty bucks an hour, which that inherently is not the bad thing, but I know we're included rent. We probably have to include utilities.

• 23:11Speaker 03

  No, just rent. Yeah.

• 23:13Caleb Hammer?

  We probably have to include supplies, like the gloss collection.

• 23:17Speaker 03

  Yeah.

• 23:18Caleb Hammer?

  So what are you actually making more like twenty bucks an hour? And then how many hours?

• 23:23Speaker 03

  I honestly don't know how to, I, I've never broken it down.

• 23:27Caleb Hammer?

  You never once have been doing this for two years and you haven't tried to figure out the cost of a.

• 23:30Speaker 03

  Like I said, no.

• 23:31Caleb Hammer?

  How? How do you know you're even making money? Cause again, reminder, you've literally borrowed from your payroll thing. More than you brought in and they oh, okay. Well, I guess a little over two thousand came in. A little over two thousand came in.

• 23:45Speaker 03

  Right.

• 23:46Caleb Hammer?

  So.

• 23:46Speaker 03

  That doesn't include, that doesn't include like cash either. So I don't deposit all my cash.

• 23:51Caleb Hammer?

  How do we keep track of your cash? Where does your cash go? So I can't even track where your cash is going.

• 23:55Speaker 03

  I hate to, I hate to say it, girl math. It's.

• 23:58Caleb Hammer?

  Oh, what are you trying to play bingo? Do you know that triggers everyone in this audience? Do you even know that?

• 24:05Speaker 03

  Yeah.

• 24:05Caleb Hammer?

  Then why is he that?

• 24:07Speaker 03

  Because it's true. I try to use up, like I use my cash.

• 24:11Caleb Hammer?

  How much cash? Do you even know?

• 24:13Speaker 03

  Um, like monthly, I would say probably like seven hundred.

• 24:19Caleb Hammer?

  That's substantial compared to how much actually came in via payroll in terms of your self assessed payroll.

• 24:25Speaker 03

  Like total over the month, yeah.

• 24:27Caleb Hammer?

  Huge percentage of that and that just vanishes. So where? Tell me, girl math, where?

• 24:33Speaker 03

  I really don't know. Like I don't, yeah, I don't keep up with that.

• 24:37Caleb Hammer?

  Then you can't do it. Then you're not responsible enough to have cash. That means you need to deposit your, you can track it on a spreadsheet.

• 24:43Speaker 03

  I probably should deposit it, yeah.

• 24:46Caleb Hammer?

  Okay.

• 24:47Speaker 03

  And I just don't.

• 24:49Caleb Hammer?

  Why?

• 24:50Speaker 03

  I just feel like that's just what I use first. Like I try to.

• 24:53Caleb Hammer?

  On what though? But you don't know.

• 24:54Speaker 03

  I don't, I don't really even know what. Cause I'm like, I'm not a huge like eat out kind of person. I do use it a lot for groceries, honestly.

• 25:02Caleb Hammer?

  Cash for groceries?

• 25:03Speaker 03

  Sometimes, yeah.

• 25:04Caleb Hammer?

  A month of groceries?

• 25:05Speaker 03

  Uh, about two hundred bucks a week in groceries. I cook everything at home.

• 25:09Caleb Hammer?

  Close.

• 25:10Speaker 03

  I usually like.

• 25:12Caleb Hammer?

  No meal prepping.

• 25:13Speaker 03

  I, I make breakfast. No, I don't totally meal prep. Like I'm a crock pot girl. So like.

• 25:18Caleb Hammer?

  You got a crock pot meal prep.

• 25:19Speaker 03

  He, I mean, kind of I do. Like, so I do like one crock pot meal. We'll do like two days, like feed us for two days.

• 25:27Caleb Hammer?

  Then I think we could cut those costs low, especially since the kid is the kid on tears, the kid on powder.

• 25:32Speaker 03

  He's on.

• 25:32Caleb Hammer?

  All t keep.

• 25:34Speaker 03

  Yeah. Free, free ninety-nine, actually.

• 25:36Caleb Hammer?

  Exactly.

• 25:37Speaker 03

  Yeah.

• 25:38Caleb Hammer?

  So I think you're.

• 25:39Speaker 03

  And I think, but like also I do.

• 25:41Caleb Hammer?

  And then the, the, the dude man who's too afraid to be here, he's on the road, so he's not eating your food.

• 25:46Speaker 03

  Right, yeah.

• 25:47Caleb Hammer?

  Food costs are high, your at-home food costs are high.

• 25:49Speaker 03

  But I also, I mean, I, I take like a lunch every day, I make breakfast every day, I eat dinner, like I try to do like everything. Like eat every meal, cause with like with, like obviously him being on the, like I.

• 26:01Caleb Hammer?

  Yeah, we would get you to eat every meal, I'm not saying skip a meal, who would ever say skip a meal?

• 26:04Speaker 03

  I mean, no.

• 26:05Caleb Hammer?

  No one's gonna put health over finances or finances over health.

• 26:08Speaker 03

  I, you tell him sometimes, yeah, like I'll just, I'll eat like only dinner because I'm like.

• 26:13Caleb Hammer?

  But I'm not telling you to do that, either way your food costs are pushed heavily, if, if your cash is going there, plus the grocery budget that we have on here. Then you're pushing high, how often is dude in, in town?

• 26:24Speaker 03

  Um, he's home for six days out of the whole entire month, so every weekend from like.

• 26:29Caleb Hammer?

  You guys even have a relationship, no re, no wonder why you're not communicating on finances?

• 26:34Speaker 03

  Yeah.

• 26:35Caleb Hammer?

  What do you guys even do?

• 26:36Speaker 03

  Um.

• 26:37Caleb Hammer?

  Kid sees your tits more than him.

• 26:39Speaker 03

  Yeah, that's also very, very true, not my favorite thing, but it is what it is.

• 26:45Caleb Hammer?

  Oh gosh, you have that much plus strain on you guys?

• 26:48Speaker 03

  It's hard, it's definitely hard, and like when we first got together, it was not like that, he was at home every day. And then he decided he wanted to do his own business and so.

• 26:59Caleb Hammer?

  He's also entrepreneur right now?

• 27:01Speaker 03

  Yes.

• 27:02Caleb Hammer?

  What's his business? Because about to move on to the credit cards finally, but okay, what's his business?

• 27:05Speaker 03

  So him and his dad have the, um, like a hot shotting company, it's a transport. Um, so they haul like everything, like, so he has a, like a Ram thirty-five hundred, but like a flatbed.

• 27:19Caleb Hammer?

  He's a Texan.

• 27:21Speaker 03

  Technically he has to have it to haul, he's just, technically it's a CDL driver. Um.

• 27:27Caleb Hammer?

  Versus his expenses, you don't know his expenses, you don't even know his spending.

• 27:30Speaker 03

  Yeah, no, I'm not a hundred percent sure.

• 27:32Caleb Hammer?

  Do you even know what comes in?

• 27:34Speaker 03

  No, I don't see that, I don't see that.

• 27:36Caleb Hammer?

  Married to this person and we're two and a half years engaged and we don't know what he fucking makes.

• 27:40Speaker 03

  Yeah, I don't.

• 27:41Caleb Hammer?

  But again, are we surprised you guys talk for a, for, a less than a fourth of the month?

• 27:46Speaker 03

  Yeah.

• 27:47Caleb Hammer?

  In person.

• 27:47Speaker 03

  I mean, we, we try to talk on the phone as much as possible, but like with me being at work all day and like having to take.

• 27:53Caleb Hammer?

  How many hours do you work?

• 27:54Speaker 03

  Um, my schedule, I usually start at like nine, I work from like nine to seven every day.

• 28:02Speaker 03

  Well, not every day, not every day. I'm sorry, I'm sorry. I work nine to seven on Wednesday, Thursday, Friday, and then Saturdays I work from like nine to three. So I'm off Sunday, Monday, Tuesday.

• 28:15Speaker 03

  So I like the days that I do work are the days that I have help with my son that I don't have to shell out a ton of cash for like childcare.

• 28:22Caleb Hammer?

  My stomach is turning. I think I have diarrhea. 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

• 29:03Caleb Hammer?

  that we've been working on for over a year now. 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. Let's talk about this Capital One credit card. I see on here there's a balance of $169.63.

• 29:38Speaker 03

  Okay.

• 29:39Caleb Hammer?

  It's not the most horrendously high credit card as far as comes on the show, but it is pretty much at its max.

• 29:45Speaker 03

  Yeah.

• 29:45Caleb Hammer?

  We got little small things. I mean, this isn't a, this is a pretty thick stack, you know, we're thick stacking over here. I mean, we got purchases, even though interest is accruing. Is it a ton of interest? No. When you stack up all these documents, yes, it becomes a large amount, but it is basically five bucks of interest. You pay the minimum payment because that's all you can afford to pay. But it doesn't matter because you went and spent four times your minimum monthly payment. So why are we spending on a credit card that we cannot pay off? It is my favorite question.

• 30:11Speaker 03

  Does it?

• 30:11Caleb Hammer?

  Oh, come on. You can't act surprised. How are people surprised? They're like,

• 30:14Speaker 03

  I don't know.

• 30:15Caleb Hammer?

  I spent on this card that I went out and swiped multiple times.

• 30:18Speaker 03

  I, I mean, it's probably like a Netflix. It may be like my,

• 30:22Caleb Hammer?

  You can't have Netflix if you can't afford to pay the bills.

• 30:25Speaker 03

  I mean, uh, me and my clients have to have something to watch like when I'm doing nails.

• 30:29Caleb Hammer?

  What are they gonna watch this shit? They fight that last two seconds and horrible screen.

• 30:32Speaker 03

  Okay, I technically did not watch. I'd only watched the main event of that. And I wasn't, I wasn't at work. I was at home. So.

• 30:40Caleb Hammer?

  Okay, so. Play that music. Talk to them. Have little conversations. Hi, how's your day?

• 30:47Speaker 03

  I mean, I do talk to them, but you know, sometimes we like to watch things.

• 30:51Caleb Hammer?

  Oh, your nails. They're so good. Oh, girl.

• 30:55Speaker 03

  I mean, yeah, it's fun and all, but like sometimes I have clients that come in that don't want to say anything.

• 31:00Caleb Hammer?

  Did you see Bethany down the street? She's such a fucking, you know what I'm talking about?

• 31:03Speaker 03

  We definitely, I mean, those conversations definitely happen for sure, but like,

• 31:07Caleb Hammer?

  We don't need to be paying for Netflix when we got fresh tea for free.

• 31:10Speaker 03

  Um, okay.

• 31:11Caleb Hammer?

  Brewed up hot and fresh. It's a small town. I know there's tea.

• 31:14Speaker 03

  Teeny tiny. Yeah.

• 31:15Caleb Hammer?

  Come on. No, you went to Chick-fil-A. Shut up. You went to Walmart. Shut up. You paid for an Apple subscription. Shut up. And then yes, there was a Netflix, which is too expensive for you. You really can't afford it. I mean, you really can't. You can't.

• 31:28Speaker 03

  I, yeah, no, it's probably, I, but I love Netflix. I love Netflix.

• 31:32Caleb Hammer?

  Really? That's like, there's nothing on there compared to anything else. I mean, there's a lot. It's all trash.

• 31:37Speaker 03

  It is. Yeah, it is trash, but I mean, I'm, I need something to watch.

• 31:41Caleb Hammer?

  Guess what? You're on a free platform right now. Highly recommend it.

• 31:45Speaker 03

  Yeah, but this platform has a ton of ads.

• 31:49Caleb Hammer?

  You do pay for the ad free version, it looks like on there, but the ad free version on here is even cheaper.

• 31:53Speaker 03

  Is it? I've never even looked at it.

• 31:56Caleb Hammer?

  Even still, you just can't, it's a math thing. If you can't afford, I'm not saying don't have subscriptions. People get upset about my little Spotify goes on ads while you're dead. The thing is, it's not about that. It's about that literally you aren't able to afford bills. So I've confessed. In fact, we know how much money came in. We know how much borrowed about 3,000 came in. Again, you borrowed 2,000. How much was spent? How much was spent?

• 32:16Speaker 03

  How much was all of it?

• 32:18Caleb Hammer?

  How much was spent?

• 32:19Speaker 03

  I don't know.

• 32:19Caleb Hammer?

  How much was spent?

• 32:20Speaker 03

  Um, let's, I'll say 35.

• 32:22Caleb Hammer?

  Okay, that's interesting. Forty nine hundred dollars. So do we have a subscription in that instance, including Spotify? No, because we can't afford to live. Living comes before ads. I don't know if we know this, especially when I have a six month year old.

• 32:39Speaker 03

  Six month year old?

• 32:41Caleb Hammer?

  No.

• 32:43Speaker 03

  Okay, yes. Okay. Yeah, maybe I shouldn't watch ad free Netflix. Maybe my clients could watch an ad or two, I guess.

• 32:53Caleb Hammer?

  Maybe your clients can just play, get a little cheap little Bluetooth speaker in there and just play like

• 33:01Caleb Hammer?

  rainforest noises. I don't know. What do people like to listen to when they have their nails done? Dude, you've had fees, fees like crazy fees this year, meaning you've had late payments likely on this.

• 33:11Speaker 03

  Oh.

• 33:12Caleb Hammer?

  You didn't know, you didn't even know you've had.

• 33:14Speaker 03

  Okay, there may be like one or two.

• 33:16Caleb Hammer?

  Yeah, two on here.

• 33:17Speaker 03

  Okay.

• 33:18Caleb Hammer?

  Are we gonna see that on more cards?

• 33:20Speaker 03

  No.

• 33:21Caleb Hammer?

  No, you're confident. I don't know.

• 33:23Speaker 03

  I'm almost positive.

• 33:24Caleb Hammer?

  Almost.

• 33:25Speaker 03

  Yeah, I think the only times that my payments were late was when I realized, I didn't realize I didn't have the money in my account and everything is on auto pay. Like all my card payments are on auto pay. So.

• 33:37Caleb Hammer?

  So you didn't have enough money in your checking account?

• 33:39Speaker 03

  Yeah.

• 33:44Caleb Hammer?

  You are a mother. That is not an option because again, you're spending down here Chick-fil-A Netflix. That is a choice. If it was a hundred percent bills, I get it. You know, things get hard. You're making sure they have food. And they have electricity and they have a roof over their head and warmth and water. That comes first. It does. But that wasn't for that. That's not what drained your account and made your minimum payment. Again, you're building this balance up. You spent four times what your minimum payment is so that you can have Chick-fil-A.

• 34:13Speaker 03

  But it was real good.

• 34:15Caleb Hammer?

  Oh, shut the up. Little girl math cheeky little, you think you're funny or you think it's a little silly thing? Shut up. What?

• 34:23Speaker 03

  So sorry.

• 34:24Caleb Hammer?

  No, you're not.

• 34:25Speaker 03

  I mean, no, I mean, that was like one time.

• 34:28Caleb Hammer?

  Guess what? One time you can't afford to f*** your.

• 34:31Speaker 00

  Host Thanksgiving with industry-leading quality standards from Whole Foods Market. There are no antibiotics in their meat department ever, so carve up turkey and spiral cut ham with peace of mind. Shop organic sides like stuffing mix and cranberry sauce from 365 brand. And guess what? All their delectable pies are made with no high fructose corn syrup. Gourmet Thanksgiving flavors with the quality you want, only at Whole Foods Market.

• 35:00Caleb Hammer?

  Bills?

• 35:00Speaker 03

  Okay.

• 35:01Caleb Hammer?

  You gotta pay.

• 35:02Speaker 03

  Okay.

• 35:03Caleb Hammer?

  Come on, you got, that's stupid. You have a child. That is selfish. That is disgusting.

• 35:08Speaker 03

  I'm not trying.

• 35:09Caleb Hammer?

  You're one time.

• 35:10Speaker 03

  Selfish.

• 35:10Caleb Hammer?

  Trying to, you are. It doesn't matter if you're trying to, you are. It is the action. It's not a try.

• 35:16Speaker 03

  Okay.

• 35:16Caleb Hammer?

  What? Does this not make sense?

• 35:17Speaker 03

  No, it makes sense.

• 35:18Caleb Hammer?

  No, it doesn't to you.

• 35:20Speaker 03

  I just try my, I try my best.

• 35:22Caleb Hammer?

  You're not.

• 35:23Speaker 03

  Okay.

• 35:23Caleb Hammer?

  Trying your best is not doing it. You are an adult with a child. Okay? You have a child. It is different. If this was just you f***ing up your life, that's a little different. I would get less mad about it. And I know I get a little upset easy and I like to make sure you know how bad your financial situation is. But guess what? You have a kid that did not have a choice to come to this world and you are choosing to make your debt worse when you are their mother that is gonna have to take care of them. They're gonna have to live with you and have to deal with your financial decisions for their entire childhood. It is not cute.

• 35:52Speaker 03

  I don't think it's a joke.

• 35:53Caleb Hammer?

  It is not funny and even one time is f***ed.

• 35:56Speaker 03

  I don't think it's a joke.

• 36:00Speaker 03

  I just didn't take lunch that day, I'm assuming. And so I went and got Chick-fil-A.

• 36:03Caleb Hammer?

  Take lunch. Skip lunch. I don't care. Thirty-two dollars of interest. Come on. It's not a joke. I'm happy to be all silly and fun, but come on. You know, f***ing problem, you got a kid to take care of.

• 36:18Speaker 03

  Okay. I know, that's right. You're right. I'm sorry, you're right.

• 36:20Caleb Hammer?

  Is this what it's like to do with you?

• 36:21Speaker 03

  No, no.

• 36:23Caleb Hammer?

  Indigo. Again, it's not a massive balance, which is even more upsetting that it actually exists. But a hundred forty-one dollars and sixteen cents. Okay, what do we got? Oh, good, we got three dollars of fees, three dollars fifty-seven cents of interest. Well, at least there's no purchases. Congratulations on that. Forty hour minutes of payment. These are gonna stack up for you. Already have a feeling. You're not a credit card person.

• 36:43Speaker 03

  No, I shouldn't.

• 36:44Caleb Hammer?

  I know you wanna build credit, so use like, uh, use the Fizz card. It's one of our partners that all of our guests and a lot of people in the audience use. Use them. Debit card. You can't spend more than what's in your account, but it builds credit like a credit card.

• 36:58Speaker 03

  That's super smart.

• 36:59Caleb Hammer?

  Yes, there you go. Use that. Don't. You're not a credit card person. You cannot do this. This card has a monthly fee. Why even have this card? You're not getting any benefit. There's no way you're getting more benefit.

• 37:07Speaker 03

  I'm gonna be completely real about the credit card situation that I have. So, um, I think credit karma is a problem for me. Cause like I get on there and I'm like, oh, outstanding approval odds can build your credit.

• 37:20Caleb Hammer?

  Yeah, and your outstanding approval odds are to the bullsh- ones that have monthly fees, meaning whatever benefit you're getting.

• 37:26Speaker 03

  I don't, okay, I don't really read the whole.

• 37:31Caleb Hammer?

  Can you read?

• 37:31Speaker 03

  Yeah, I can. But I don't read like the, yeah, I like the annual fee. Like I usually like skip over that.

• 37:40Caleb Hammer?

  Wonderful. Have you ever looked at a statement in your life after that?

• 37:44Speaker 03

  Yeah, I didn't in-depth look at the statement, but I did.

• 37:48Caleb Hammer?

  This isn't in-depth. It is literally just there. It's like one of four sections. That is hardly in-depth.

• 37:54Speaker 03

  I see, I see what the payment is, the minimum payment is, or the payment, I like, what's the balance and then like the payment? And then I'm like, alright, cool.

• 38:01Caleb Hammer?

  That's considered in-depth for you. I'm terrified for the finances around your business.

• 38:05Speaker 03

  Yeah, I usually have everything set up on auto pay, so I'm, I don't even look at any of it.

• 38:10Caleb Hammer?

  But we know, shut for a second. We know that doesn't matter for you though, because you don't have enough money in your checking account sometimes and you can't pay it. So it's not just about setting up auto pay.

• 38:23Caleb Hammer?

  Come on, close this card. You're not getting any better from this. And it will hurt your credit a little, but close this card. You're not paying, you're not paying a fee to increase credit. We're not doing that. There are some services where it actually makes sense a little, but again, with this, you're not getting any benefit. It's not a credit building service. It's a credit card where you're just paying a bank, plus accruing interest.

• 38:50Caleb Hammer?

  Even if it's 12 months in a year, but no, we're 11 months in the, but this isn't even the 11th month statement. 10 months in a year, it'd be, it'd be $30 would be your annual fee.

• 39:00Caleb Hammer?

  Your fees charged on this card alone, this year has been $232. More than the literal, no, that's basically the credit limit on this card. That is insane. There has to be mountains of late fees, mountains of late fees. And you thought there were no other late fees on any other cards. You don't know what you're talking about. You don't know what your finances like. You don't know how to look at a statement. You don't know how to look in depth to things as in a number.

• 39:28Speaker 03

  So that, I'm trying to think of when that happened.

• 39:32Caleb Hammer?

  The moment you get home, this is not even an option. The moment you get home, Lindsay's sending them to you. Start going through the debt class. Start going through the debt class thoroughly. Go through the budget class after that thoroughly. Leave the investing one for a second because I don't want to over complicate things.

• 39:48Speaker 03

  Yeah.

• 39:48Caleb Hammer?

  But start taking.

• 39:49Speaker 03

  Too much information at one time. That'd be too much.

• 39:51Caleb Hammer?

  Take the quizzes. The fact that you cannot read a statement, make sure on time payments are dealt with and learn how to build a budget and understand what's happening. Go through all the education we have made because you get it for free. And guess what? This is actually what pisses me off because out there they can get it for 15% off. But the people who buy it, over 10,000 people have bought it. They go through this stuff because they buy it. So because they put money towards it, they're investing in their future. They actually take it and then they, we see results from them. But I have guests come on to the follow up channel who get it for free. And then they don't take it because they get it for free. Take it. Change your life. Sorry. Listen, I'm a little upset right now because you literally just told me on this last card that that was the only,

• 40:35Caleb Hammer?

  you were confident that that was the only card that you had missed payments on.

• 40:38Speaker 03

  I knew.

• 40:39Caleb Hammer?

  That is objectively not true.

• 40:40Speaker 03

  I knew that the Indigo card I had at one point in time gotten behind on it to the point that I couldn't.

• 40:46Caleb Hammer?

  Why didn't you tell me?

• 40:48Speaker 03

  I didn't know if it was this year or not. I thought it was last year.

• 40:51Caleb Hammer?

  This card, this card's horrible.

• 40:53Speaker 03

  Um, let's see, I'm trying to think. I had that for like maybe two years.

• 41:01Caleb Hammer?

  How do we function as a society, guys? How, how have we made it to 2024, 2025 almost? Good for us.

• 41:08Speaker 03

  I'm

• 41:08Caleb Hammer?

  We're surviving.

• 41:09Speaker 03

  We're surviving. It till I make it, basically is what's happening.

• 41:13Caleb Hammer?

  You're never gonna make it with your fake in it. That's not how this works. You're you're you're gonna have to actually change. Take control and then you have a chance to make it. You're never.

• 41:20Speaker 03

  Like I'm down to change things. I'm down to change things.

• 41:23Caleb Hammer?

  Good.

• 41:23Speaker 03

  I just let things get out of hand and then I'm just.

• 41:27Caleb Hammer?

  Why did you let things get out of hand for so long?

• 41:31Speaker 03

  Um.

• 41:34Caleb Hammer?

  If she's not able to answer this, I am terrified for the rest of her life.

• 41:38Speaker 03

  Uh, at one point in time, like financially, we got into like kind of a hole.

• 41:44Caleb Hammer?

  Who's we? Him? You and him?

• 41:45Speaker 03

  Yes.

• 41:46Caleb Hammer?

  You and the guy where you know nothing about his finances and he knows nothing about yours. Great.

• 41:49Speaker 03

  Right. We had kinda got into a hole like in between like a job shift for him. And so I was stacking a lot of things on my credit cards to try to like kinda make up for things that we were lacking. And then it got to the point that like so much money was going to try to like pick up the pieces from a a hole that I kinda let.

• 42:11Caleb Hammer?

  Hole.

• 42:11Speaker 03

  Um.

• 42:12Caleb Hammer?

  Is it before he stuck it in your hole?

• 42:13Speaker 03

  Yeah, actually, it was. Not too far before.

• 42:19Caleb Hammer?

  Okay, so it was only like a year ago?

• 42:21Speaker 03

  Yeah, about a year and a half ago. Um, he was.

• 42:23Caleb Hammer?

  Those are hard times. I'm sorry. And that's, you know, we get, we get deep, we get rough, we get scrappy, we figure it out. And sometimes it puts us in a little hole for a while, but you've had a good amount of time to dig out of there. And now we got dual income coming in.

• 42:36Speaker 03

  So I I wouldn't say, okay, so dual income, y- yes and no. Like I I don't benefit from his income.

• 42:44Caleb Hammer?

  Are you going to when married? Do you know how you guys are gonna do it? Again, you guys haven't.

• 42:48Speaker 03

  It's not like a converse. I mean, it's always been separate. Like his, his stuff is his stuff and my stuff is my stuff. Like some things like for the households, like we share, like.

• 42:58Caleb Hammer?

  Down the middle then.

• 42:59Speaker 03

  So I pay all the utilities and I buy all the groceries and he pays the rent, which it.

• 43:03Caleb Hammer?

  Rents are definitely more expensive than utilities.

• 43:06Speaker 03

  Yeah, so like, that's why, that's why.

• 43:08Caleb Hammer?

  But again, he's there for six days a month. So does that even matter? You're just getting the groceries for you.

• 43:13Speaker 03

  Um, yeah.

• 43:16Caleb Hammer?

  This is a little weird.

• 43:17Speaker 03

  But even like, but whatever.

• 43:18Caleb Hammer?

  You're saying he pays the entire rent?

• 43:20Speaker 03

  Yeah, but it is like eleven hundred bucks.

• 43:24Caleb Hammer?

  That's huge!

• 43:25Speaker 03

  For a two bedroom, two bath.

• 43:27Caleb Hammer?

  For your income, that's huge!

• 43:30Speaker 03

  Yeah, but I don't pay it.

• 43:31Caleb Hammer?

  Exactly, that's what I'm saying.

• 43:34Speaker 03

  Yeah.

• 43:34Caleb Hammer?

  No one wants to think about debt, but the cold, hard truth is, many of us will get deeper in debt during the holidays. Last year, half of American consumers took on debt to pay for the holidays, and this year could be you, could be me. It's never too early to start planning to get out of it, and my friends at PDS Debt can help you with a personalized solution just for you. If you're making payments every month on your debt and your balances aren't going down, PDS has solutions for you. Everyone with ten thousand dollars or more in eligible debt qualifies, and there's no minimum credit score required. Bad and fair credit is accepted. Save more while paying off your debt in a fraction of the time. Start planning today.

• 44:17Caleb Hammer?

  Get a free debt analysis right now at PDSDebt.com/hammer. It only takes thirty seconds. That's P D S D E B T dot com slash hammer. P D S debt dot com slash hammer. Not fully independent from each other?

• 44:33Speaker 03

  No, not from each other, no.

• 44:34Caleb Hammer?

  If his truck gets in a little whoopsie off a cliff.

• 44:39Speaker 03

  I hope he's got good insurance, but yeah.

• 44:42Caleb Hammer?

  Are you on it?

• 44:43Speaker 03

  No.

• 44:45Caleb Hammer?

  Then yay.

• 44:46Speaker 03

  I mean, I got hope, like he's got, like, you know.

• 44:49Caleb Hammer?

  I'm saying if he dies, which I'm hoping not happens. But life is life is life, and you're not prepared for it, and you are in a scary situation. You can't afford to live and your rent's already taken care of.

• 44:59Speaker 03

  Correct, yeah.

• 45:00Caleb Hammer?

  So what I was trying to say is, it's okay to get into a hole for a while. Life happens and we get gritty and we get scrappy, but we learn things out of there. And then we do what's necessary to pull ourselves out. Again, nothing's happened on here, except for we have late payments this year, which is not when the hole happened. Multiple late payments, and we have a card that is going up out of two that we've looked at. So it can't just be about the hole a year and a half ago. Your actions today are horrendous.

• 45:27Speaker 03

  Well, I think, so the hole kind of put a lot of his finances, like, behind.

• 45:32Caleb Hammer?

  Finances matter right now.

• 45:33Speaker 03

  Because I was like trying to.

• 45:34Caleb Hammer?

  Right now.

• 45:35Speaker 03

  Yeah, I was, during the time that that card was late, he was still dealing with. He was still dealing with some of, some like. Behind payments on this or a few things. It's just like.

• 45:49Caleb Hammer?

  So you were behind because he was behind?

• 45:50Speaker 03

  Because I was using my like, I just didn't have the money. Like all my money was going towards other things.

• 45:55Caleb Hammer?

  Forty dollar minimum monthly payment.

• 45:56Speaker 03

  Yeah.

• 45:58Caleb Hammer?

  You cannot be in that kind of life with a kid. You can't be. That's not our choice. It is not a choice. You have a responsibility now.

• 46:05Speaker 03

  So like, I felt like I was doing something by at least getting the minimum payments made. Like when I could.

• 46:12Caleb Hammer?

  You weren't.

• 46:13Speaker 03

  At the time, no, but like as of now, I was doing what I could to make sure monthly payments were taken care of. So it didn't get any worse.

• 46:21Caleb Hammer?

  I'm gonna set you up with even a little extra thing. Just so you can run your business a little better. Usually it's more meant for careers, but I'm gonna gift you a free course career certification.

• 46:32Speaker 03

  Okay.

• 46:33Caleb Hammer?

  For accounting. So you can accounting your business. Usually it's for people like out there to go get an accounting job. It's great for resumes. We love course careers. But you're gonna do it so you can learn how to do accounting for your own business. Cause you have no idea what you're talking about.

• 46:49Speaker 03

  No, I.

• 46:50Caleb Hammer?

  Yeah, you're borrowing basically everything you make.

• 46:52Speaker 03

  Yeah.

• 46:53Caleb Hammer?

  From small business loans.

• 46:55Speaker 03

  Right.

• 46:55Caleb Hammer?

  Very curious to look at those. Okay. Oh, another Capital One. Platinum.

• 47:02Speaker 03

  Sorry.

• 47:02Caleb Hammer?

  What happened?

• 47:03Speaker 03

  I mean, that one, the other one, the first one is secured. So this is like the my step up from that.

• 47:08Caleb Hammer?

  Oh, wonderful. Three forty one twenty with a twenty five dollar minimum monthly payment, which again, these are not crazy compared to a lot of things on this show, but it doesn't matter because compared to your situation, it is crazy. And guess what?

• 47:20Speaker 00

  Host Thanksgiving with industry leading quality standards from Whole Foods Market. There are no antibiotics in their meat department ever. So carve up turkey and spiral cut ham with peace of mind. Shop organic sides like stuffing mix and cranberry sauce from three sixty five brand. And guess what? All their delectable pies are made with no high fructose corn syrup. Gourmet Thanksgiving flavors with the quality you want, only at Whole Foods Market.

• 47:50Speaker 03

  So that.

• 47:50Caleb Hammer?

  You doubled your minimum monthly payment.

• 47:51Speaker 03

  Yeah, right. I, I was trying to do something.

• 47:54Caleb Hammer?

  Can I get, can I?

• 47:55Speaker 03

  But then I probably spent on it.

• 47:58Caleb Hammer?

  Wonderful, wonderful, wonderful. And then you spent more than your payment. So it doesn't even matter.

• 48:06Speaker 03

  Yeah.

• 48:09Speaker 03

  I usually like swipe a credit card like whenever like I didn't have money going to my account from like the day of work.

• 48:19Speaker 03

  And then I think well, the minimum.

• 48:20Caleb Hammer?

  You're paying advancing yourself on a credit card essentially?

• 48:22Speaker 03

  Technically, ki- well, kinda. If it's like a Monday or Tuesday that like obviously I'm not gonna work and get paid that day.

• 48:30Caleb Hammer?

  No, of course not.

• 48:31Speaker 03

  I'll just swap.

• 48:32Caleb Hammer?

  You can't work on Mondays and Tuesdays?

• 48:34Speaker 03

  It's just days I don't have help with my son, because.

• 48:37Caleb Hammer?

  Why? Who who's helping you on the other days?

• 48:39Speaker 03

  So my mom and my sister will come and sit with him on.

• 48:44Caleb Hammer?

  And they cannot on Monday or Tuesday?

• 48:46Speaker 03

  No.

• 48:47Caleb Hammer?

  What are they doing on Monday or Tuesday? They're not doing it on all those other days.

• 48:50Speaker 03

  So my sister's a bartender, so she is off like random days throughout the week and also she's in college.

• 48:55Caleb Hammer?

  She's also the top serving bartender in all of Sulfur?

• 48:58Speaker 03

  No, she's she lives in Prosper.

• 49:00Caleb Hammer?

  That sounds much better than Sulfur.

• 49:02Speaker 03

  She's off on Mondays, but she is about to graduate from college, so she.

• 49:05Caleb Hammer?

  Oh.

• 49:06Speaker 03

  She goes to college on the like Monday.

• 49:08Caleb Hammer?

  If they can't help, they can't help. It is what it is. And we know with how much money comes in, childcare would likely be more expensive.

• 49:14Speaker 03

  Yeah, I'd be like, I would basically be working to pay for the childcare. I can.

• 49:19Caleb Hammer?

  Child?

• 49:19Speaker 03

  I can take him, but the amount of like time and attention that he needs.

• 49:23Caleb Hammer?

  Punch him. No, I get it. It's it's two da- listen, it's, but the thing is, okay, no, it's.

• 49:30Speaker 03

  He does have a babysitter that he does go to only on Thursdays. She watches a couple of other kids.

• 49:35Caleb Hammer?

  How much is that?

• 49:36Speaker 03

  Forty bucks a day.

• 49:40Caleb Hammer?

  Do it. Are you kidding me? Mathematically, you make more than forty dollars a day when you work?

• 49:45Speaker 03

  No, I know. So on Thursday.

• 49:47Caleb Hammer?

  Do it on Monday and Tuesday.

• 49:48Speaker 03

  She cannot watch him on Monday and Tuesday.

• 49:50Caleb Hammer?

  Why is everyone all of a sudden?

• 49:52Speaker 03

  I don't know.

• 49:53Caleb Hammer?

  Doing something different?

• 49:54Speaker 03

  So on Monday and Tuesdays, she watches um another child that has an issue with like abiding other kids. And so she just wants to be safe.

• 50:04Caleb Hammer?

  Train yours to bite back.

• 50:05Speaker 03

  He doesn't even have any. Damn teeth. Yeah.

• 50:07Caleb Hammer?

  Perfect. So they won't get hurt, but they'll get deterred. Nine thirty nine in interest. Okay. Okay. Minimart. We went to a little minimart in Dollar General. Oh, we don't do Dollar General, by the way. Usually the cost per like ounce is bad. You get smaller portions, so it's cheaper, but.

• 50:24Speaker 03

  Dollar General? What do you mean?

• 50:26Caleb Hammer?

  As in when you went to Dollar General?

• 50:28Speaker 03

  Oh, that was medicine for my son. He had covid, like.

• 50:31Caleb Hammer?

  From Dollar General?

• 50:33Speaker 03

  So he can't have like, he can't have like prescription medication yet. So like, you know.

• 50:37Caleb Hammer?

  That was the thing in the pharmacist's Dollar General?

• 50:39Speaker 03

  No, no.

• 50:40Caleb Hammer?

  Okay.

• 50:41Speaker 03

  The minimart may.

• 50:43Caleb Hammer?

  Fifty dollars in fees this year so far. So you're late on three cards in a row. You only said you would be on late on one. Are you kidding me?

• 50:49Speaker 03

  Oh, I guess.

• 50:50Caleb Hammer?

  Been late on.

• 50:50Speaker 03

  I guess I was thinking when I thought Capital, when I thought Capital One, when I thought Capital One, I just meant like, like.

• 50:56Caleb Hammer?

  All the Capital Ones?

• 50:58Speaker 03

  Both Capital One. Yeah.

• 51:00Caleb Hammer?

  That doesn't make any sense. What kind of?

• 51:03Caleb Hammer?

  What? Okay. And then, of course, over a hundred dollars in interest this year so far on here. Mastercard. When, when you thought Capital One, did you think Mastercard as well?

• 51:14Speaker 03

  No, that's.

• 51:15Caleb Hammer?

  Okay, one main financial. Brightway. This is fifty things. Mastercard, one main Brightway. We'll call it one main. Oh, please tell me it's small. Again, it is small, which is gonna help for cleaning these up. This is ridiculous. Three hundred eighty four dollars and two cents. It is the biggest so far with a minimum monthly payment of twenty five bucks. Okay. No new purchase is good. Interest bad and only minimum monthly payment made. Takes two years to pay off. The way you're doing. You didn't know that? That it would take two years?

• 51:45Speaker 03

  No.

• 51:46Caleb Hammer?

  Okay.

• 51:47Speaker 03

  I just kept hoping and praying and minimum pay.

• 51:50Caleb Hammer?

  Sake. Fees up the asshole this year. Ninety dollars a fees.

• 51:55Speaker 03

  It's the annual fee.

• 51:57Caleb Hammer?

  Huh?

• 51:57Speaker 03

  That's the annual.

• 51:57Caleb Hammer?

  They have an eighty nine dollar annual fee.

• 51:59Speaker 03

  Yeah, I don't.

• 52:00Caleb Hammer?

  You're a hundred percent certain it is eighty nine dollars?

• 52:03Speaker 03

  Yeah.

• 52:03Caleb Hammer?

  Do you know? I can't trust you. You're not a reliable narrator for your money. You don't know your numbers.

• 52:08Speaker 03

  Because I, I did look at that one when I applied. That is an eighty nine annual fee on that, because that as.

• 52:13Caleb Hammer?

  It wasn't too in-depth for you?

• 52:15Speaker 03

  No.

• 52:17Speaker 03

  I did make it through that one.

• 52:18Caleb Hammer?

  Oh, this is at a thirty per six percent interest rate.

• 52:23Caleb Hammer?

  Is that the highest I've ever seen on a credit card? It might be. That's insane. I didn't even know that was a thing.

• 52:29Speaker 03

  I think I-

• 52:30Caleb Hammer?

  Cause they can't compete in the marketplace with a player in print. Apparently they can. Cause anyone will just open them and then they charge the annual fees.

• 52:37Speaker 03

  Yeah, I don't, I don't think I've ever, so I've never looked at interest rates when applying for credit cards. Ever.

• 52:48Caleb Hammer?

  But what about the annual fees though? Cause that's so baked in regardless if you're holding interest or not.

• 52:52Speaker 03

  Yeah.

• 52:54Caleb Hammer?

  For you a lot.

• 52:56Speaker 03

  Yeah, I don't know. I don't really know what my thought process is.

• 52:59Caleb Hammer?

  Okay, Merrick Bank, what do we have here?

• 53:02Speaker 03

  That one's pretty high, I think.

• 53:04Caleb Hammer?

  Oh, good. Felt like such a happier conversation at the beginning, didn't it? I was happier.

• 53:08Speaker 03

  I was having a good time.

• 53:09Caleb Hammer?

  Oh, no, you're not above your credit level. Oh, you're close, okay.

• 53:11Speaker 03

  No, no, no. None of them are above my credit limit. I do very well and not over.

• 53:15Caleb Hammer?

  There's only one that you had late fees on. So far it's been every card. So that's, oh, okay. Okay, maybe not the last one. I still can't trust you.

• 53:22Speaker 03

  Yeah.

• 53:22Caleb Hammer?

  But five hundred forty-one dollars and eighty-two cents, six dollars in fees. Annual monthly fee. No, I like this shirt.

• 53:35Speaker 03

  Golly.

• 53:36Caleb Hammer?

  Probably done. I poked myself.

• 53:38Speaker 03

  Maybe you stop going so crazy with the pen, that might not happen.

• 53:40Caleb Hammer?

  That's what I do. Forty-one dollars in minimum monthly payments. No new purchases, good. Hmm, your payment was only thirty-five though. And then interest of thirteen dollars and twenty-one cents. I guess you could just, maybe you got pushed to that new level. Yeah, enough fees this year to make sense for those, those monthly fees. So that actually makes sense. It doesn't look like there's extra in here. And then a hundred twenty-five dollars in interest. We have to be close to six hundred dollars in interest this year so far across these cards, just about.

• 54:09Speaker 03

  It might help if I would look at how much these interest rates are before I just start applying, applying, applying to these random cards.

• 54:17Speaker 03

  It's probably the best.

• 54:18Caleb Hammer?

  Is that what you think?

• 54:21Speaker 03

  Come to that conclusion.

• 54:22Caleb Hammer?

  That's your takeaway.

• 54:22Speaker 03

  Obviously, don't have as many cards as I do, but if I'm going to apply.

• 54:26Caleb Hammer?

  That's your takeaway.

• 54:27Speaker 03

  No, no, as if I'm.

• 54:27Caleb Hammer?

  Don't have as many?

• 54:29Speaker 03

  Don't have as many and don't charge to them the way I do.

• 54:33Caleb Hammer?

  You can't have credit cards.

• 54:35Speaker 03

  So.

• 54:36Caleb Hammer?

  You can't.

• 54:36Speaker 03

  No more credit cards.

• 54:37Caleb Hammer?

  You can't have credit cards. You need to close your accounts. You can't be trusted with them. You don't know how to manage them. You are not responsible enough for them. And that's okay. Who cares? I don't care if you're good with credit cards, but don't give yourself that reason to fuck up.

• 54:49Speaker 03

  Get like the leeway.

• 54:50Caleb Hammer?

  The ability, not even the leeway, the ability. Take away the ability. If all you've taken away with it so far.

• 54:58Speaker 03

  No, I mean.

• 54:59Caleb Hammer?

  Does I need to stop applying for new cards? Oh.

• 55:02Speaker 03

  If going to have a card, I should.

• 55:05Caleb Hammer?

  You're not.

• 55:05Speaker 03

  Okay, I'm not gonna have a card. No more cards.

• 55:09Caleb Hammer?

  More credit cards.

• 55:10Speaker 03

  Okay, yeah.

• 55:11Caleb Hammer?

  Two thousand sixteen dollars on the BMI card. Okay, actually a large balance finally. Unpaid deferred sales tax of anyone dollars and thirty nine cents. What the fuck even?

• 55:22Speaker 03

  What, wait, what?

• 55:23Caleb Hammer?

  Then ten dollars of interest. Wait, be this statement.

• 55:27Speaker 03

  What is that?

• 55:28Caleb Hammer?

  Oh, my goodness. Look, guys. Oh, oh.

• 55:32Speaker 03

  What is?

• 55:33Caleb Hammer?

  I am proud of you for making it to twenty five. I am proud that that child has lived until now.

• 55:38Speaker 03

  Oh, that's my car. That's my car.

• 55:41Caleb Hammer?

  What you said? Wait, what?

• 55:43Speaker 03

  That's my car loan.

• 55:46Caleb Hammer?

  I don't believe you said you were better off than most people because you don't have a car loan.

• 55:52Speaker 03

  So it's not in my name. It doesn't affect, it doesn't affect my credit is what I meant. Like, that isn't stacked onto my credit.

• 56:00Caleb Hammer?

  What are you? What even is your existence? What are you?

• 56:05Speaker 03

  Like, that wasn't ta, like, added on to my dad's.

• 56:10Speaker 03

  This is my stepdad's and my mom's name.

• 56:12Caleb Hammer?

  Step dads.

• 56:14Speaker 03

  Yeah.

• 56:16Caleb Hammer?

  What the, why?

• 56:17Speaker 03

  Cause I didn't have enough credit to get a car. Like, my credit was.

• 56:20Caleb Hammer?

  You keep getting up your life and your credit is still.

• 56:23Speaker 03

  Yeah, it is definitely still.

• 56:26Caleb Hammer?

  What even is this car?

• 56:27Speaker 03

  It's a twenty eighteen Altima. I've had it for almost four years.

• 56:30Caleb Hammer?

  It's actually worth seven thousand dollars.

• 56:34Speaker 03

  Yeah, and it's not terrible.

• 56:36Caleb Hammer?

  You owe two thousand on it. You have an equity position.

• 56:38Speaker 03

  Yeah.

• 56:39Caleb Hammer?

  Yeah.

• 56:39Speaker 03

  So it's not the worst.

• 56:40Caleb Hammer?

  I'm saying that is a good thing. No, the loan's probably bad.

• 56:43Speaker 03

  I've had it for like four years.

• 56:45Caleb Hammer?

  So you're likely mostly done with the interest part.

• 56:48Speaker 03

  And like, I mean, yes, it shows that my car.

• 56:50Caleb Hammer?

  But your late fees. You're late!

• 56:52Speaker 03

  So my.

• 56:53Caleb Hammer?

  Wait, wait, they're late? They're late?

• 56:55Speaker 03

  No, no, I, my, the money goes to them. Like.

• 56:58Caleb Hammer?

  Yeah, but they're supposed to pay for it and it's late. This is in their credit.

• 57:01Speaker 03

  Yeah, it's there. It's, yeah.

• 57:02Caleb Hammer?

  Why are they late? Are you late to them to them to be late to that?

• 57:05Speaker 03

  Whenever, whenever my stepdad got the loan in his name, he was getting paid on Mondays. So the payment was due on a Monday. Versus it being on a Friday when I could pay it.

• 57:19Caleb Hammer?

  This, the term says two one nine. That would be eighteen years. That doesn't make sense.

• 57:24Caleb Hammer?

  Huh? Two hundred and nineteen.

• 57:25Speaker 03

  Oh, payments. Oh, a weekly payment. Sorry. That's, it's set up weekly. They set it up as like a weekly payment.

• 57:32Caleb Hammer?

  Okay, so it's a four years. Four more years?

• 57:34Speaker 03

  No, no, no, I.

• 57:35Caleb Hammer?

  Four years total? But you've been doing it for four years. If it's weekly, it comes out the four years.

• 57:40Speaker 03

  So I pay a hundred and twenty-five a week. I pay five hundred dollars a month towards the car. And all it's owed is.

• 57:47Caleb Hammer?

  How much time is left?

• 57:48Speaker 03

  Just whenever I get done paying off that.

• 57:50Caleb Hammer?

  No, no, no, no, no, no, no, no, no, no. Wait, what's the minimum monthly payment?

• 57:53Speaker 03

  Well, I pay, I pay five hundred dollars a month.

• 57:54Caleb Hammer?

  What's the minimum monthly payment?

• 57:55Speaker 03

  On the whole loan? I have no idea.

• 57:57Caleb Hammer?

  What is happening?

• 57:58Speaker 03

  So I pay, I pay, so the minimum payment, it looks like it's one twenty-two. I pay one twenty-five towards, towards it every week.

• 58:07Caleb Hammer?

  But the monthly minimum is one twenty-five?

• 58:09Speaker 03

  No, the monthly minimum is one twenty-two times four. I pay, they have all, it's always been set up weekly payments. So I don't know, like I pay weekly on it. Like, it's not like a every month type of deal.

• 58:25Caleb Hammer?

  There's only two thousand hours left. This means you're done in like a few months, but are you?

• 58:29Speaker 03

  Yeah.

• 58:30Caleb Hammer?

  You sure?

• 58:31Speaker 03

  Yeah, you're really. Doing some damage. So the only reason why it shows.

• 58:36Caleb Hammer?

  What was this balance when it first started?

• 58:39Speaker 03

  I'm not a hundred percent.

• 58:40Caleb Hammer?

  How do you not know anything?

• 58:41Speaker 03

  Because my parents got the car. It was a su- surprise because I could not afford to.

• 58:47Caleb Hammer?

  Surprise, here's a $500 minimum payment. Oh my gosh, our society.

• 58:51Speaker 03

  Yeah.

• 58:51Caleb Hammer?

  Our society, we do.

• 58:52Speaker 03

  I just told her to go, I said, I need a car and me and my fiance before he was my fiance at the time, tried to get one in both of our names and it just wasn't working.

• 59:03Caleb Hammer?

  You had a fiance?

• 59:05Speaker 03

  This fiance?

• 59:06Caleb Hammer?

  Oh, you said at the time, okay.

• 59:07Speaker 03

  We weren't not, we're not, we were not engaged at the time, no.

• 59:09Caleb Hammer?

  So he wasn't a fiance at the time, okay.

• 59:11Speaker 03

  Yeah, before he was my fiance, we went and tried to go get a car in, in both of our names, but it just wasn't working. So my parents were like, I'll put.

• 59:21Caleb Hammer?

  Two people who are engaged for two and a half years and know nothing about their own finances and continue up when together before they even knew less about each other were unable to do it. What?

• 59:30Speaker 03

  Yeah, it's so crazy, right? So, um, my parents were like, I'll help you. Obviously we'll put it in our name, but it's, you're gonna be your.

• 59:38Caleb Hammer?

  Who's paying the late fees? Them or you?

• 59:40Speaker 03

  Me. I pay for everything.

• 59:43Caleb Hammer?

  So you were.

• 59:43Speaker 03

  They have enough.

• 59:44Caleb Hammer?

  So you were late.

• 59:45Speaker 03

  Yes, technically.

• 59:47Caleb Hammer?

  Do you even know? Did you even?

• 59:49Speaker 03

  No, I was, so the payments are due on Mondays versus my money being.

• 59:54Caleb Hammer?

  But this is on their credit. They allow that?

• 59:56Speaker 03

  Yeah.

• 1:00:00Caleb Hammer?

  How old's your mom?

• 1:00:01Speaker 03

  Fifty-one.

• 1:00:02Caleb Hammer?

  Your fifty-one year old's credit.

• 1:00:06Caleb Hammer?

  Wonderful.

• 1:00:08Speaker 03

  Yeah, I don't, didn't mean to.

• 1:00:13Caleb Hammer?

  What do you mean didn't mean to? You were late on everything except for two cards so far. Two out of the one, two, three, four, five, six, that's a bad.

• 1:00:22Speaker 03

  That's all the cards, is it right? We're done with cards?

• 1:00:23Caleb Hammer?

  I don't know.

• 1:00:25Speaker 03

  Oh, I thought we were, okay.

• 1:00:28Caleb Hammer?

  You're successful a third of the time on making on time payments on accounts. A third of the time, I didn't mean to?

• 1:00:37Caleb Hammer?

  What is gloss genius? Oh, is that?

• 1:00:40Speaker 03

  That that's what I've paid towards. So with that small business loan that you

• 1:00:47Caleb Hammer?

  I don't even understand what that is yet. I have to take a look. I didn't even know it existed.

• 1:00:51Speaker 03

  What do you mean? So it's like

• 1:00:53Caleb Hammer?

  Is this the thing? Is this is this is the this is the payroll?

• 1:00:56Speaker 03

  That's the 2000. That's the 2000. It's not technically a payroll loan.

• 1:01:02Caleb Hammer?

  Oh, no, it's not. This is pay advancing. These are Michael Little payday loans, small business loan. You don't know what you're saying. Oh, yeah.

• 1:01:12Speaker 03

  That's what it said.

• 1:01:13Caleb Hammer?

  You're getting them every second of your damn life.

• 1:01:16Speaker 03

  So that's how

• 1:01:17Caleb Hammer?

  You kidding me? Are you doing it every single month?

• 1:01:18Speaker 03

  So this is how

• 1:01:19Caleb Hammer?

  Are you doing it every single month?

• 1:01:20Speaker 03

  Every single

• 1:01:21Caleb Hammer?

  Are you doing this single month? Huh? Your little payday loans?

• 1:01:23Speaker 03

  No, I'm not doing this is the first time I've ever done this.

• 1:01:26Caleb Hammer?

  No, no, it is.

• 1:01:26Speaker 03

  Yeah.

• 1:01:27Caleb Hammer?

  Good. Make it.

• 1:01:27Speaker 03

  I've never done taken a loan out before.

• 1:01:29Caleb Hammer?

  One second. Good, because you're gonna get stuck in an unending spiral. Because when people do these little pay advance things, they have to put their next pay to the pay advance that they already took out. Now they don't have any money, so they have to take out a pay advance and it's an endless cycle. If you want to earn a $3,000 bonus, you need to keep listening. Silo is running an exclusive launch promotion just for you guys. Silos like Robin Hood, but for bonds. And they're doing the best signup bonus I've ever heard of. If you deposit right now using my link, they'll boost your deposit by 3% up to a $3,000 bonus. And US government bonds are already bringing in 4 to 4.5%. Bonds are especially interesting right now because the Fed has been cutting rates left and right with more cuts expected all throughout 2025,

• 1:02:13Caleb Hammer?

  potentially even dropping all the way back down to zero. Even I got a notice from my bank about cuts, so if you see your savings rate already shrinking, it's time to take action. With bonds, you can lock in today's rate of 4 to 4.5% with the US government for one, two, or even 10 years. And the best part, once you buy, your rate is locked in, even if the Fed cuts rates to zero. For those like me who prefer a bit of peace of mind, US government bonds are risk free because of their ability to print money and pay you back. Also, all assets on Silo are stored with interactive brokers. And protected by $500,000 in SIPC insurance and up to $2.5 million in FDIC insurance.

• 1:02:53Caleb Hammer?

  This limited time launch offer is only available for the first $10 million in deposits and a big chunk of that is already filmed. So if you want to get a $3,000 bonus, don't wait. Take advantage of this opportunity to lock in over 7% rates only with Silo at the link in the description below. Now let's jump back into the episode. You can't go down this path. Once this is gone, this is gone. Turn this off from your brain. It doesn't exist.

• 1:03:18Speaker 03

  It was just so crazy. I had to have this gel polish collection. Let me see what I can do and I got it.

• 1:03:26Caleb Hammer?

  I don't know. What's going on in culture right now?

• 1:03:29Speaker 03

  What do you mean? It was like 288 gel polish colors. So the highest quality.

• 1:03:35Caleb Hammer?

  Special like Shrek's anus color or something like what, what did you mean that didn't exist?

• 1:03:39Speaker 03

  Because I didn't already own those colors. I started off with like, I started off with like 40. No, I'm lying. Maybe like 30 different colors that I've had for like the entirety of my nail tech journey.

• 1:03:51Caleb Hammer?

  Why can't you cash flow your business though?

• 1:03:53Speaker 03

  I don't know. I feel like I'm just not bringing, at the time I was not bringing in enough money to keep everything going. And I had a problem.

• 1:04:03Caleb Hammer?

  You're still not. And if that is the case.

• 1:04:05Speaker 03

  But if I could work the same amount of hours that I was before I had my son.

• 1:04:09Caleb Hammer?

  Are you not? You already said you're not, but you told me how many hours you're working.

• 1:04:12Speaker 03

  I was working six days a week, 12 hours shifts. I was working 12 hours a day, every day, except for Sunday. I was only off on Sundays.

• 1:04:20Caleb Hammer?

  You might have to bring the kid, dude. You had the kid, you had the kid, you guys on the road all the time or you're changing careers.

• 1:04:25Speaker 03

  But having a two hour.

• 1:04:27Caleb Hammer?

  I'm sorry, paying bills comes first. You gotta figure this out.

• 1:04:29Speaker 03

  No, I know I have to figure it out, but.

• 1:04:31Caleb Hammer?

  But like you have to bring the kid or you need to find another $40 childcare sitter. That's incredible by the way that right?

• 1:04:38Speaker 03

  Yeah.

• 1:04:38Caleb Hammer?

  So you need to find another one, maybe some grandma around town that's doing nothing and is falling down and dying. Get one of them to look at where the kid, just make sure it doesn't fall down with them.

• 1:04:47Speaker 03

  Yeah, that's the problem. I, my postpartum anxiety is through the roof. My postpartum anxiety is like through the roof, like when it comes to other people watching him or him like. Not paying the people I don't know.

• 1:04:58Caleb Hammer?

  The postpartum anxiety or the I'm not gonna be able to pay bills and we're gonna get evicted.

• 1:05:02Speaker 03

  Oh, it's all crammed.

• 1:05:03Caleb Hammer?

  Child is not gonna have a place to live.

• 1:05:04Speaker 03

  On top of each other, yeah.

• 1:05:06Caleb Hammer?

  Then maybe, uh, vet the person, have them come hang out with you for a day. Pay him a daily fee to come hang out with you. Vet them.

• 1:05:14Speaker 03

  I can't afford to pay them a daily fee.

• 1:05:17Caleb Hammer?

  Huh?

• 1:05:17Speaker 03

  I can't afford to pay them the daily fee.

• 1:05:20Caleb Hammer?

  A forty dollar thing if we can get another forty dollar person, which is incredible. This just must be a small town thing over there and, uh, dank bill or whatever. What's it called? Sulfur?

• 1:05:28Speaker 03

  Tank bill, yeah.

• 1:05:28Caleb Hammer?

  I don't know. How much is owed left on this? Gloss genius.

• 1:05:33Speaker 03

  So I just got that paid out last month, so I've paid, um, two seventy just since I got it. So from October till now.

• 1:05:42Caleb Hammer?

  It's the interest.

• 1:05:42Speaker 03

  So it's a fixed fee.

• 1:05:43Caleb Hammer?

  What's the fee?

• 1:05:45Speaker 03

  Three ninety-eight, three eighty-nine, three eighty-nine.

• 1:05:47Caleb Hammer?

  What, three dollars?

• 1:05:49Speaker 03

  No, three hundred and eighty-nine is the fixed fee. They give you, they.

• 1:05:53Caleb Hammer?

  Of the, of the two thousand or is that included in the two thousand?

• 1:05:55Speaker 03

  That's included in the, so it's two, twenty-three eighty-nine.

• 1:05:58Caleb Hammer?

  What, what was it again? Say the fee?

• 1:06:01Speaker 03

  Three eighty-nine. It's like a nineteen percent interest rate.

• 1:06:04Caleb Hammer?

  Yeah, basically twenty percent.

• 1:06:06Speaker 03

  I did know that. Interest rate?

• 1:06:09Caleb Hammer?

  Oh!

• 1:06:09Speaker 03

  Interest rate, fixed fee.

• 1:06:11Caleb Hammer?

  Dude, why would you pay the advance at a twenty? If you're taking out a small business loan, you don't go twenty percent. You go like eight to ten.

• 1:06:20Speaker 01

  Para los grandes, para los chicos, para los bajos y los altos, los pacifistas, los valientes. Para los optimistas y los pesimistas, los que valoran lo de adentro. Para los que están lejos, los que no vende lejos, y los que no vende cerca. Para los introvertidos y los extrovertidos, para los que piensan y los que hacen. Para los que nos mostraron el camino. Coca-Cola, para todos. Compra una Coca-Cola en una tienda cerca de usted.

• 1:06:50Caleb Hammer?

  And even that I don't necessarily like.

• 1:06:52Speaker 03

  Stuff, I'm just, I don't know that kind of stuff.

• 1:06:54Caleb Hammer?

  Google!

• 1:06:56Speaker 03

  I mean, yes.

• 1:06:57Caleb Hammer?

  This was presented to you in an app and you're like, boo.

• 1:06:59Speaker 03

  Well, yeah, kinda. I was like, I need.

• 1:07:02Caleb Hammer?

  You gotta stop looking at things in apps. Every time you see something in an app, you have to borrow it. You're obsessed with it. And credit karma and in this gloss genius. The gloss genius anyway.

• 1:07:12Speaker 03

  It's literally a booking app, but they send me stupid notifications. It's like, we can help you in your small business.

• 1:07:18Caleb Hammer?

  And guess what? You're stupid for accepting them.

• 1:07:20Speaker 03

  Yeah, yeah. I thought at the time, it, you know, midnight, I was making a great decision by buying this gel polish. And it's, I mean, it's wonderful. It's beautiful on my wall.

• 1:07:31Caleb Hammer?

  But on the wall instead of on people's nails. That's fantastic. So good. I'm so glad.

• 1:07:35Speaker 03

  It has to be stored somewhere. It's stored on the wall.

• 1:07:37Caleb Hammer?

  Yeah, but you realize what you just had. Come on. That was like in your brain.

• 1:07:40Speaker 03

  It's beautiful.

• 1:07:41Caleb Hammer?

  That was in the back of your brain. You know it.

• 1:07:43Speaker 03

  It's great on people's nails. It's, that's just all my, so every time I.

• 1:07:48Caleb Hammer?

  Good. So we owe two thousand essentially, two thousand one hundred. And what's your like minimum monthly? Do you even know?

• 1:07:53Speaker 03

  Um, so I have to pay at least two sixty-six every sixty days. So this is how, so this is how that loan specifically works is that.

• 1:08:03Caleb Hammer?

  One thirty-three a month. Okay.

• 1:08:05Speaker 03

  So, um, every time I charge like a credit card or a debit card, like through the app, like if somebody pays with a card, they take out up like thirty percent of that charge. So I'm never like outright paying for the loan, like as far as like a monthly payment.

• 1:08:25Caleb Hammer?

  That's insane, dude.

• 1:08:26Speaker 03

  So it takes out.

• 1:08:27Caleb Hammer?

  That's insane. That's so much less control of your money. This is a bad product.

• 1:08:33Speaker 03

  Yeah, I'm coming to realize that as I have noticed my, you know, income decreasing.

• 1:08:41Caleb Hammer?

  Whoa, whoa, whoa, whoa, whoa, repayment rate is thirty percent per transaction.

• 1:08:44Speaker 03

  Yeah.

• 1:08:45Caleb Hammer?

  So every.

• 1:08:46Speaker 03

  Every transaction, every transaction.

• 1:08:48Caleb Hammer?

  To get to it, sixty day minimum two sixty-six. Okay. I marked it as a hundred thirty-three a month, but.

• 1:08:52Speaker 03

  So I technically pay more than that towards it. That, that's just like, if I don't hit that, then they just pull it directly from my bank account.

• 1:08:59Caleb Hammer?

  Indigo and other Indigo, Indigo two, the sequel, we're back with more monthly fees.

• 1:09:04Speaker 03

  That was a different one. Monthly fees. That, that hadn't even put anything on that card.

• 1:09:09Caleb Hammer?

  It doesn't matter if you have the Indigo.

• 1:09:11Speaker 03

  Oh yeah. It has the monthly fee like nine dollars. Yeah.

• 1:09:13Caleb Hammer?

  Close this card. You have nothing on it and it's paying. You're having, you're being, you're being charged ten dollars just to have this card. Close it is stupid. Why give yourself another subscription? This is a third of your Netflix bill almost. But you have two of them, so it's almost, almost your entire Netflix bill just to be lucky enough to have those cards. What?

• 1:09:33Speaker 03

  I just opened another card to like.

• 1:09:35Caleb Hammer?

  Right now? That I don't have?

• 1:09:37Speaker 03

  No, no, no, no. That one is the card that I opened to show that I had to, to give myself more like credit limit that I haven't.

• 1:09:44Caleb Hammer?

  Your credit limit, that's not how you operate. You always get to your credit limit. That will be in the coming months unless you change that. That's how you operate in life. How have you not realized that this is a behavior thing?

• 1:09:57Speaker 03

  Yeah, I guess.

• 1:09:58Caleb Hammer?

  This is all you not being able to manage your money, not being able to build a budget, not being able to control what comes in and where it goes. Set aside money for taxes, be able to pay bills on time and not make late fees and have enough money to take it to go to pay the bills.

• 1:10:10Speaker 03

  Yeah, so.

• 1:10:13Speaker 03

  I've been like thinking that the more I take out, well, well, I was trying to be more cautious with that card. I actually don't carry that card with me, so I don't spend on it.

• 1:10:23Caleb Hammer?

  Oh, come on, you know, you're gonna get it. You know, you are a walking example of exactly what's gonna happen in your own life.

• 1:10:31Speaker 03

  Okay.

• 1:10:32Caleb Hammer?

  Either way, what is the point of having a 36% interest card that costs $10 a month to even have? That's stupid. That's bad money.

• 1:10:38Speaker 03

  That was one of those, bye.

• 1:10:39Caleb Hammer?

  This is bad money regardless, even if it gives, does give you that buffer. It's bad money regardless. Oh, credit one. If we have credit one, we're on the worst of the worst of the worst of the worst of the worst of the worst when it comes to credit, okay? And to go is honestly kind of pretty damn close to it at this point. Okay, credit one, we're here, baby. Let's go. Mom had a credit one card. What is he gonna think?

• 1:11:00Speaker 03

  You know, I never knew how bad those were until I was like really paying attention to the show.

• 1:11:06Caleb Hammer?

  I'm glad you're here. Well, actually, well, I'm glad you're here for you, but I am thankful. Thank you for coming on, for being brave enough, because these people are learning things from you. And I am glad that you're at least willing to take the step, even if it's hard and it's weird being on camera. And I know it's like personalities, it gets interesting, but I appreciate you being here and I appreciate what you are doing for the channel, for the community.

• 1:11:27Speaker 03

  Do what I can.

• 1:11:28Caleb Hammer?

  Well, hopefully you'll do a little for your kid as well by making your life better.

• 1:11:31Speaker 03

  That's definitely.

• 1:11:32Caleb Hammer?

  Hundred and sixty seven dollars and eight cents owed on this. Guess what? Ten dollars of fees. Woohoo! And four dollars and eighteen cents of interest. Let's go. Thirty dollar minimum to payments. Wonderful, wonderful, wonderful. No transactions. Fifty nine dollars of fees this year so far. Forty seven dollars of interest. Wonderful. Wonderful. Yay. Everyone loves credit one.

• 1:11:51Speaker 03

  I think that's like from my credit.

• 1:11:53Caleb Hammer?

  Oh, hold the. Okay, this is your credit. What is this? What is? And, okay, what, what did you owe a thousand to in collections? Two thousand eighty six.

• 1:12:05Speaker 03

  Would that cup that just not?

• 1:12:06Caleb Hammer?

  Come on, this is the first out of like a million of these. Don't be.

• 1:12:08Speaker 03

  No, I know, but I'm trying to figure out, is that the, that just recently hit my credit?

• 1:12:11Caleb Hammer?

  I don't know. Let me find out. Original creditor, Finance Limited Partnership, NPC, NCP.

• 1:12:22Caleb Hammer?

  It was open five years ago.

• 1:12:24Speaker 03

  Five years ago.

• 1:12:26Caleb Hammer?

  For sake, dude, you don't know.

• 1:12:28Speaker 03

  Is that, it might be Verizon.

• 1:12:31Caleb Hammer?

  Collections number one.

• 1:12:32Speaker 03

  Can I look that on my?

• 1:12:33Caleb Hammer?

  One thousand eighty six. We can look in a second. I'm gonna keep going though, because there's a lot to get through, let me tell you. And we have sat here for a long time. AT&T Collections, four hundred fifty two. Why do you order AT&T and Verizon?

• 1:12:46Speaker 03

  So the AT&T is from the exit also had parole fines. He put some wifi in my name and then never paid it.

• 1:12:56Caleb Hammer?

  My collection is number two, so that's that. Oh my gosh. Okay, this is a huge collections. Okay, two thousand forty four. Let's see, what's?

• 1:13:03Speaker 03

  Oh no, that is Verizon. Yeah.

• 1:13:04Caleb Hammer?

  Oh, good. So we don't know what the original one was. Wonderful. Now, why, why so much Verizon that you did not pay? This is, this is a bad track record. I'm a little nervous for your future with this much collections. It shows that you fall off the board way too often.

• 1:13:19Speaker 03

  So, okay, when I, that has actually been on there since I, that happened when I was nineteen. That happened when I was nineteen.

• 1:13:29Caleb Hammer?

  If that's the case, it'll fall off in probably about a year, but I'm not a hundred percent sure.

• 1:13:33Speaker 03

  Yeah, I had a phone, me and a friend had a phone on the phone plan and we ended up, um, she couldn't pay her bill and I couldn't afford to pay both of hers.

• 1:13:43Caleb Hammer?

  Dangerous. You cannot link things and see what's already happening with you being linked to your parents for your car payment. You're late, you're them. All these other people were late, they're fucking you, they went to collections. This is stupid. You need to stop it and intermingle that I'm almost nervous for you to, you guys aren't ready to get married. You guys aren't ready to get married. You're simply not. Before you even consider marriage, I want you to sit down with the financial advisors that I use at Domain Money. Sit down with them. We're gonna give you a free session with them. Okay?

• 1:14:09Speaker 03

  Okay.

• 1:14:10Caleb Hammer?

  Do that. Everyone in the audience, by the way, our entire community gets free sessions. Link in the description below. They're a great partner. They're my own personal financial advisors. You guys cannot get married until you guys sit down with them and figure out your finances.

• 1:14:21Speaker 03

  I did learn a lesson from, you know, that little Verizon situation.

• 1:14:25Caleb Hammer?

  Because you're your parents right now.

• 1:14:27Speaker 03

  But if I didn't have a car, then like I was screwed.

• 1:14:30Caleb Hammer?

  Your parents right now. With your actions right now. You were going out to, there wasn't insane amounts, but you were going out and eat enough to make, to not be late.

• 1:14:42Speaker 04

  You would, you could, you'll do, you would, you want.

• 1:14:46Caleb Hammer?

  Reliant energy. We chose not to pay our utility bills as well.

• 1:14:49Speaker 03

  X had that in my name as well. That recently, I think, got put on there.

• 1:14:54Caleb Hammer?

  It would have still been on your credit.

• 1:14:56Speaker 03

  So what happened was I moved out. He stayed in the same house. Um, recently, within the last like year, he let somebody else take over the.

• 1:15:06Caleb Hammer?

  The year now?

• 1:15:07Speaker 03

  Yeah.

• 1:15:08Caleb Hammer?

  This year?

• 1:15:09Speaker 03

  I did not know it was in my name this whole entire time.

• 1:15:11Caleb Hammer?

  Oh my.

• 1:15:11Speaker 03

  So he, he left the, the property and let somebody else take over the rent.

• 1:15:17Caleb Hammer?

  Credit. Lock your credit. Sorry.

• 1:15:19Speaker 03

  Okay.

• 1:15:19Caleb Hammer?

  Lock your credit. You haven't locked your credit yet?

• 1:15:21Speaker 03

  No.

• 1:15:21Caleb Hammer?

  Cause he obviously knows your credit information to be able to borrow things and I do not trust a criminal.

• 1:15:25Speaker 03

  Yeah, he has my social, I'm assuming, clearly.

• 1:15:27Caleb Hammer?

  Yeah, lock your credit. Lock credit. Lock credit.

• 1:15:31Speaker 03

  So I guess that has been in my name for like eight years, that reliant. And then he.

• 1:15:37Caleb Hammer?

  Oh, this is open. This is derogatory right now because it's late. Nope, it's in corrections now.

• 1:15:42Speaker 03

  Yeah, so that was.

• 1:15:44Caleb Hammer?

  Okay.

• 1:15:45Speaker 03

  I don't know what happened with that.

• 1:15:46Caleb Hammer?

  Sure deposit taxes, sounds like some bank. We owed a thousand five hundred fifty three to them.

• 1:15:50Speaker 03

  Sure deposit, no, that's the sure deposit for the apartment that I got evicted from in twenty eighteen.

• 1:15:57Caleb Hammer?

  Evicted?

• 1:15:58Speaker 03

  Um, I was sharing an apartment with said, with said friend from Verizon.

• 1:16:03Caleb Hammer?

  Oh, the other responsible one, okay.

• 1:16:05Speaker 03

  Yeah, and then it, we got evicted because we, um, somebody, we weren't helping each other pay the rent very well. Um, so I was trying to make, either one of us was short and the other one wasn't, and so it just did not get paid.

• 1:16:21Caleb Hammer?

  Autumn Ranch on Swenson Farms.

• 1:16:23Speaker 03

  That's the eviction, that's the eviction.

• 1:16:24Caleb Hammer?

  So this is more, because this one's nine thousand one hundred forty-nine.

• 1:16:27Speaker 03

  I did offer, okay, hold on, before you get too out of hand. Um, I did offer them, I, let's see, back in twenty twenty-one, I did not file taxes for a couple of years because I was missing a W two from working a previous job. I had did pay, I did pay a CPA to do my income tax. I got five grand back from, because I didn't get like the, the STEMI's.

• 1:16:52Caleb Hammer?

  Two years of taxes, I forgot. Okay, yep, go on.

• 1:16:55Speaker 03

  So I got my STEMI's all at one time, plus all my income tax. So I did call that collector, and I said, I can pay you five grand right now to settle it out. They said that my portion of it, because it is a joint one, my portion was six thousand, and they would not let me do anything less.

• 1:17:12Caleb Hammer?

  Uh huh.

• 1:17:12Speaker 03

  And so when I-

• 1:17:13Caleb Hammer?

  Is that the only time you ever tried?

• 1:17:15Speaker 03

  That's, I offered to do a payment plan.

• 1:17:18Caleb Hammer?

  Okay.

• 1:17:18Speaker 03

  The payment plan was a thousand dollars.

• 1:17:20Caleb Hammer?

  You didn't know, this is what you do. You do that every two weeks. You call them and say, this is all that, I have my name, if you want to close this out, I'll give you five thousand now.

• 1:17:28Speaker 03

  I did not know that.

• 1:17:29Caleb Hammer?

  You do that every two weeks. If they don't do it, then them, but you just work it out, okay?

• 1:17:33Speaker 03

  Okay.

• 1:17:34Caleb Hammer?

  You just keep saying it over and over again. You work with them. Eventually, they, they want their nut. They usually get the permission, the person that's working with you.

• 1:17:40Speaker 03

  I figure, I mean, I had worked in a debt collection, like medical collections before, and so I did not know that that was like something, the way we did it wasn't the same as that, so I said-

• 1:17:49Caleb Hammer?

  How'd you do it?

• 1:17:50Speaker 03

  Um, like we just, like, it was like a call center, basically. We just like randomly called the numbers as they came across the screen.

• 1:17:57Caleb Hammer?

  Commission if you closed it out?

• 1:17:58Speaker 03

  We did get commission, but I-

• 1:18:01Caleb Hammer?

  Couldn't accept anything lower?

• 1:18:02Speaker 03

  They wouldn't accept anything lower.

• 1:18:04Caleb Hammer?

  Where you worked?

• 1:18:06Speaker 03

  It had to be like going through like a whole like situation like but yes, but I did offer.

• 1:18:11Caleb Hammer?

  You have any more debt?

• 1:18:12Speaker 03

  Not that I know of.

• 1:18:13Caleb Hammer?

  Guessing it's about four thousand for IRS for last year plus penalties. Let's just say four thousand for now. Probably gonna owe like four or five this next year. Okay, wonderful. Okay, they said you just spent two hundred fifty dollars on a card to beautify your studio. What is this? Where's this? I didn't see that. What?

• 1:18:34Speaker 03

  So I paid down a credit card and then I bought a desk from Ikea.

• 1:18:41Caleb Hammer?

  Credit card person. You are not a credit card person. You do not know how to manage your finances at all.

• 1:18:48Speaker 03

  Nope.

• 1:18:49Caleb Hammer?

  Close all your credit cards. It's so stupid. You have a kid. You have a kid. You have a kid. You have a kid?

• 1:18:56Speaker 03

  Yeah, probably need to get on that.

• 1:19:00Speaker 03

  Gotta pay them off first, but I will get them closed.

• 1:19:02Caleb Hammer?

  And your checking account only a few hundred bucks. Amazon selling out, selling out. Who's that? A hundred, hundred twenty-five and then a hundred?

• 1:19:09Speaker 03

  Car payment and Amazon.

• 1:19:10Caleb Hammer?

  Apple bill. Why do you have so many subscriptions or internet purchases or walking?

• 1:19:13Speaker 03

  I honestly forget what those are. I know some of them like.

• 1:19:17Caleb Hammer?

  Pull up your subscriptions then.

• 1:19:18Speaker 03

  Right now? Currently?

• 1:19:20Caleb Hammer?

  Joe Bob's, Minimart, Dutch Bros, Minimart. You're walking in, you're getting some. It's not that expensive. So I know you're getting snacks or energy drinks.

• 1:19:27Speaker 03

  Yeah, it's an energy drink. Yeah.

• 1:19:29Caleb Hammer?

  Buy in bulk. Go to Sam's Club. No, I don't know.

• 1:19:32Speaker 03

  I did. I do buy them in bulk. That's part of the reason I'm like, I mean.

• 1:19:35Caleb Hammer?

  Amazon, Dutch Bros.

• 1:19:36Speaker 03

  Okay, Amazon, Amazon is.

• 1:19:38Caleb Hammer?

  Fifty dollar Apple bill.

• 1:19:40Speaker 03

  Yeah, I'm not sure. Hold on.

• 1:19:41Caleb Hammer?

  Wendy's.

• 1:19:42Speaker 03

  I'm getting there.

• 1:19:43Caleb Hammer?

  Rico Taco. Zip Sheen, great. Zelling money out two hundred forty-five. Is that the car payment too?

• 1:19:50Speaker 03

  Two forty-five. Yeah, that's so usually my car payment is one twenty-five, but I pay insurance and my phone bill through my mom as well. So two forty-five a week is what my.

• 1:19:58Caleb Hammer?

  Deborah Card sixteen twenty-three. Chick-fil-A, Waterbury. There's so much going down for someone who's laying on their car payment. Are you kidding me? This is irresponsible to the extreme. Dutch Bros, Brookshire, McDonald's, super handy going and getting an energy drink. Zelling money out two hundred forty-five again. This is so much money.

• 1:20:15Speaker 03

  Two forty-five a week is what goes to my mom for car payment.

• 1:20:18Caleb Hammer?

  You do not have that amount of money. A third of your income before taxes.

• 1:20:23Speaker 03

  That's a bill though.

• 1:20:25Caleb Hammer?

  Before taxes goes to your mom, a third. For sake, you went and got an energy drink. Cash app out twenty one dollars. Energy drink, energy drink, Apple bill, zolling money out a hundred dollars, super handy. Might have to be doing those to bring in some more income, water break. That's not funny. We don't do that. We don't do that. That's a joke.

• 1:20:43Speaker 03

  Wait, what was it?

• 1:20:44Caleb Hammer?

  I missed it. That was a joke. We don't actually do those. I just make little naughty little jokes because I have a brain of a three year old when it comes to inappropriate humor. Going inside and getting an energy drink, Apple bill, zip sheen. You zip sheen constantly.

• 1:21:00Caleb Hammer?

  You're affirming?

• 1:21:01Speaker 03

  Affirm.

• 1:21:02Caleb Hammer?

  Are you affirm?

• 1:21:03Speaker 03

  That is zip, that's.

• 1:21:05Caleb Hammer?

  I don't know, I'm seeing SPF.

• 1:21:07Speaker 03

  SPF.

• 1:21:08Caleb Hammer?

  No, SPAFF. Oh, it's forty bucks essentially, thirty one, sorry. Prime video, great, we have very subscription known to man.

• 1:21:17Speaker 03

  Yeah, that's what all my, so like.

• 1:21:20Caleb Hammer?

  Have you pulled up your subscriptions yet? Let me see.

• 1:21:24Caleb Hammer?

  Okay, Apple music, cancel it. You can't afford a can of, cancel it. You can't afford it.

• 1:21:27Speaker 03

  I use that for my.

• 1:21:28Caleb Hammer?

  Use the free version, Disney plus, cancel it. You can't afford it. Nebula, cancel it. You can't.

• 1:21:34Speaker 03

  I did not mean to do that.

• 1:21:35Caleb Hammer?

  That's why you have it. Peacock, nothing on there anyway. Cancel it. You can't afford it. Watermark photo, something, cancel it. You can't afford it. Yuka, what is that? Yuka? What's a Yuka Yucca?

• 1:21:44Speaker 03

  So that's like, oh, I think I did that last year. It's like a, it was like a seven dollar.

• 1:21:48Caleb Hammer?

  Cancel it.

• 1:21:50Speaker 03

  I, it's canceled whenever it comes back up for renewal.

• 1:21:53Caleb Hammer?

  No.

• 1:21:55Speaker 03

  Well, see.

• 1:21:56Caleb Hammer?

  Paper cut. I scared myself.

• 1:21:58Speaker 03

  Yeah, well.

• 1:21:59Caleb Hammer?

  Oh.

• 1:22:00Speaker 03

  It'll be all right.

• 1:22:01Caleb Hammer?

  Wow, no savings, no retirement?

• 1:22:02Speaker 03

  Uh, I had a retirement at one point in time when I worked for a rent a center. I can't get into the account though. I gotta call him and re like resell my, but I think it was like fifteen hundred dollars in retirement that I was paying towards it. I did want to take that money out and like put it into something else, not like a credit card, but like put it into a different retirement that I had access to.

• 1:22:22Caleb Hammer?

  Roll over.

• 1:22:23Speaker 03

  Yeah.

• 1:22:23Caleb Hammer?

  How much comes in on a monthly basis? One more time.

• 1:22:26Speaker 03

  Um, how?

• 1:22:29Speaker 03

  Thirty five. Roughly.

• 1:22:31Caleb Hammer?

  With the town tax grant and everything, fifteen percent aside for taxes.

• 1:22:36Caleb Hammer?

  Being a little aggressive there, but okay. Okay, so 2,900.

• 1:22:40Speaker 00

  Host Thanksgiving with industry-leading quality standards from Whole Foods Market. There are no antibiotics in their meat department, ever. So carve up turkey and spiral cut ham with peace of mind. Shop organic sides like stuffing mix and cranberry sauce from 365 brand. And guess what? All their delectable pies are made with no high fructose corn syrup. Gourmet Thanksgiving flavors with the quality you want, only at Whole Foods Market.

• 1:23:09Caleb Hammer?

  Seventy-five comes in our monthly basis. Set that money aside for taxes, not an option. What's your utilities that you have to pay towards?

• 1:23:15Speaker 03

  Um.

• 1:23:16Caleb Hammer?

  Your debt minimum monthly payments are $107.84. So what's your minimum monthly debt payments?

• 1:23:19Speaker 03

  Let's see, I pay about 150 in, uh, electricity, 60 in water, and 80 in wifi.

• 1:23:30Caleb Hammer?

  Internet, okay. Gas, room, drive, drive.

• 1:23:33Speaker 03

  I would say maybe like 40 bucks a month. I like live like seven miles from my job. Uh, 20 bucks will last me about almost a week and a half.

• 1:23:41Caleb Hammer?

  I had 141 dollars.

• 1:23:42Speaker 03

  What? 141 dollars?

• 1:23:44Caleb Hammer?

  You don't know your money.

• 1:23:45Speaker 03

  What did I do last month that I had to drive?

• 1:23:47Caleb Hammer?

  I'll put it as.

• 1:23:49Speaker 03

  I really don't.

• 1:23:50Caleb Hammer?

  What did you say, 40? I'm gonna put it as 50, okay. And then how much do you give to your parents for car insurance again?

• 1:23:56Speaker 03

  310 for car insurance.

• 1:23:57Caleb Hammer?

  Okay, and, uh, phone bill?

• 1:24:00Speaker 03

  Um, I think it's 150 for a phone bill.

• 1:24:05Caleb Hammer?

  Do you?

• 1:24:05Speaker 03

  It's a, it's a round, it's a roundabout number. Yeah, I own the phone.

• 1:24:09Caleb Hammer?

  Okay, but you don't have to.

• 1:24:11Speaker 03

  I mean, no, I don't. But once I get it paid off, like there's, whenever Apple's like, here's.

• 1:24:17Caleb Hammer?

  Dude, I had a phone for multiple years and I was fine.

• 1:24:20Speaker 03

  But I also use like my phone because like I take pictures at work to like advertise my work.

• 1:24:25Caleb Hammer?

  I guarantee your phone's not gonna be bad a few years from now.

• 1:24:28Speaker 03

  No, it's, um, yeah, I'm fine. I had to.

• 1:24:29Caleb Hammer?

  When you pay it off, when you pay it off, switch, switch to helium for 15 bucks a month. It's just like T-Mobile towers, okay? Same towers as T-Mobile. This is insane, 150 bucks a month is stupid.

• 1:24:42Speaker 03

  Well, uh, like

• 1:24:42Caleb Hammer?

  TV fun, anything else to survive, including for the kid as well. Hundred bucks, I think you can make it work. I'm gonna do a hundred fifty. Necessary food is basically just you. And then I'm gonna throw a little extra in for the husband. We're gonna do four hundred fifty bucks a month. Follow the meal plan. Yes. Kidding me? He's not even there. That thing eats boob. And you just, you just need a meal prep a couple of times a week. It's super chill. Follow the meal plan and the budgeting course, okay?

• 1:25:05Speaker 03

  Okay.

• 1:25:05Caleb Hammer?

  Follow it to your needs. Medical healthcare, anything that goes on a monthly basis that you have to pay for?

• 1:25:09Speaker 03

  Pay, um, sixty seven for insurance for me and him both, and he is on Medicaid. So he's double insured.

• 1:25:16Caleb Hammer?

  Sixty seven, okay.

• 1:25:17Speaker 03

  Yeah, that's for.

• 1:25:18Caleb Hammer?

  You're on your parents for everything, but not that. Okay.

• 1:25:21Speaker 03

  Um, yeah, my stepdad got a new job, and so my mom was like, you gotta figure it out. Um.

• 1:25:27Caleb Hammer?

  I don't care. Okay, so, uh, how much for the babysitting on a monthly basis?

• 1:25:32Speaker 03

  Uh, forty a week, so.

• 1:25:34Caleb Hammer?

  Oh, just forty a week?

• 1:25:35Speaker 03

  Yeah, well, it's the one day.

• 1:25:38Caleb Hammer?

  One sixty a month, okay.

• 1:25:41Caleb Hammer?

  Not bad. Anything else that has to be in the budget that I am not taking into account for?

• 1:25:44Speaker 03

  No. No, I don't think so.

• 1:25:47Caleb Hammer?

  This is a roundabout budget. We don't have the, we, you know, we sit down, hour and a half, whatever, something like that. You're gonna get more detail when you actually go through the programs and learn how to actually go through your statements and make a concrete budget. But this is a rough idea of it. It's close. You made it.

• 1:26:08Caleb Hammer?

  This is even with setting money aside for taxes, two thousand four hundred thirty-four to survive on a monthly basis and eighty-four cents. If your gas bill is that low. You can cut back some of these things, but either way, two thousand nine hundred seventy-five. Car insurance, get some quotes and see what it would be like, just you getting it, okay? Do you have like a bunch of tickets and stuff?

• 1:26:24Speaker 03

  Well, can I do like a car insurance if the car is not in my name? The car insurance amount?

• 1:26:29Caleb Hammer?

  It's not in your name?

• 1:26:30Speaker 03

  The car's not my name.

• 1:26:32Caleb Hammer?

  The car's almost in your name, and then quote it out, and then quote it out, okay?

• 1:26:35Speaker 03

  Okay.

• 1:26:36Caleb Hammer?

  Uh, quote it out. Uh, I mean, you can get car, it's, it's, it's, it might just be easier if we just.

• 1:26:41Speaker 03

  Wait, did you figure in my car payment on that budget?

• 1:26:44Caleb Hammer?

  That's part of the debts.

• 1:26:45Speaker 03

  Okay, alright, cool.

• 1:26:46Caleb Hammer?

  You can make room on that. You can make room in your phone bill. You do have extra money right now. And I think you can cut back in some areas, and that car payment will be ending here shortly. But five hundred forty dollars is left right now on a monthly basis. With that, you know what's kind of interesting? With that, let's just snowball this guy. First month, I mean, you take care of the two smallest cars. That's easy. And then you mostly pay, mostly pay off the platinum. Then your second month, you pay off the plat- rest of the platinum in the one mail. Okay, wonderful. Then the American bank is paid off in month number three. And then by that point, the car payment's already done naturally. And now you have extra money, you have an extra five hundred hours a month to start going towards that. That doubles it. That means in month number four, gross is halfway paid off. And month

• 1:27:31Caleb Hammer?

  number five, gross is fully paid off.

• 1:27:34Caleb Hammer?

  Forget about month, uh, credit one, but that's included in there. Let's call that four and a half month. So you're in the fifth month. That's the same. You're happy through the fifth month. Okay. Yeah. You're debt free besides collections in five months. Boom. Easy. That's if you actually manage and act like an adult and be responsible. Then pay off your phone, switch to a cheaper carrier. Boom. That saves you more money, allows you to start sending money aside for investments, allows you to start being able to pay off last year's taxes because you need, you do need to claim that. We can save that for another four months. So let's call this eight months. And you get a fully funded emergency fund after your debts are paid off. We're looking at about needed for you to survive as long as the boyfriend, uh, fiance stays there in every living way possible.

• 1:28:15Caleb Hammer?

  At that rate, we are talking, I'm gonna say you need about, yeah, get about, yeah, ten thousand bucks, ten thousand bucks saved up. So boom, let's call it a year and a quarter, a year and a quarter. You are completely debt free except for collections, including paying off your IRS debt of the past. Still have to owe on this past year, but you can file for an extension. And that'll start coming up at that time anyway. But either way, a year and a half, you're debt free except for collections. You have a fully funded emergency fund. And at that point, you can start negotiating down some collections if you want. Save up a couple thousand bucks, start going down the list and saying, hey, guess what? I have a couple thousand bucks. I can pay this off. I can pay off your higher balance. If you're not gonna accept it, that's okay. I have another collections because I've spent my life a lot and I'm gonna call them next after this phone call's done. Okay. Once this phone call's done, if you don't accept

• 1:28:59Caleb Hammer?

  this money, I'm giving it to the next collections person. Okay. Goodbye.

• 1:29:02Speaker 03

  Okay. No, I did, I did pay off like two of my debts on my collections, like this, within the last, like, year.

• 1:29:09Caleb Hammer?

  Okay. Well, we're gonna make a lot more progress than that.

• 1:29:11Speaker 03

  I was super excited about that.

• 1:29:12Caleb Hammer?

  And I think you can do that in about, I'm guessing, let's call it another six months to be conservative. So I say two years, you are completely debt free, no collections, no debt whatsoever. You own your car right out and it's worth a little bit of money and. Fully funded emergency fund, then at that point, make sure you're always setting aside money for taxes for what comes in after that. You are then trying to put towards living 50%.

• 1:29:43Caleb Hammer?

  Invest investing minimum 20%.

• 1:29:45Speaker 03

  Okay, like in stocks or like what?

• 1:29:48Caleb Hammer?

  You know, we'll talk at that point. There is no point to talk about that now. We'll talk about tax advantage retirement accounts at that point, but again, and you'll go through, you'll have the investing costs as well, but either way.

• 1:29:57Speaker 03

  Perfect.

• 1:29:58Caleb Hammer?

  You know, self employment things, we can look at separate IRs, we can look at whatever. So 401Ks, there's a lot of different options. Either way.

• 1:30:05Caleb Hammer?

  At that point, 20% towards investing and then if you're actually 50% on needs, 20% to investing, you'll do 30% on fun. If you need more to go towards needs, you take that from fun, not from investing because retirement matters and you do not want your kid to have to take care of you when they are older.

• 1:30:21Speaker 03

  Yeah, I'm okay.

• 1:30:21Caleb Hammer?

  Cause it is not their fault that you've fucked up.

• 1:30:23Speaker 03

  Nope.

• 1:30:24Caleb Hammer?

  So that's where we're at. You got this.

• 1:30:26Speaker 03

  I can do it.

• 1:30:27Caleb Hammer?

  Follow up channel. Come on the follow up, our separate channel for follow ups. We do one a week. Come on there.

• 1:30:33Speaker 03

  Okay.

• 1:30:35Caleb Hammer?

  Make sure. Yeah. I'm excited to see your progress throughout. You're going to make substantial progress. What did I say? I said about four months and you'll pay off all these. So I want you to come back in four months and I want to see every single one of those gone. And then that's when we start tackling the past IRS at that point and we'll read just so four months.

• 1:30:52Speaker 03

  Four months.

• 1:30:52Caleb Hammer?

  You are on the follow up channel. Okay.

• 1:30:54Speaker 03

  Okay.

• 1:30:54Caleb Hammer?

  With those debts paid off, deal?

• 1:30:56Speaker 03

  Sure.

• 1:30:57Caleb Hammer?

  Spending a budget, you overspent zero out of 10 debt, you have collections, zero out of 10 emergency fund, there's nothing, zero out of 10 retirement. There's a little bit sitting there in another account, one out of 10 real estate, zero out of 10 hammer financial score rounded up point five out of 10. Hey guys, come to the post show. We might call the husband and confront him about how this is all. Yeah, you didn't even think about that, did you? Yeah, we're about to fuck up your world. Or happy, hopefully make it better. We confront a lot of drama and everything in the post show. So make sure to join our YouTube membership. It really helps our channel out through the ups and downs of ad rates. We have tens of thousands of hours of extra content and exclusive financial audits on there. Join Hammer Elite. It's the best value for your money. Link in the description below. We'll see you guys in the post show. There was something we had to cut. From the main audit.

• 1:31:41Speaker 03

  Yeah.

• 1:31:42Caleb Hammer?

  May have gotten us demonetized in the main show. It may have destroyed her life, but because it's behind the paywall, we're allowed to talk about this insane relationship tea with you and your future husband. It's about to get crazy, so we're gonna unleash it.

• 1:31:54Speaker 03

  My fiance is.

• 1:31:59Speaker 01

  To watch the financial audit post show, click the join button below. Para los grandes, para los chicos, para los bajos y los altos, los pacifistas, los valientes. Para los optimistas y los pesimistas, los que valoran lo de adentro. Para los que están lejos, los que no ven de lejos y los que no ven de cerca. Para los introvertidos y los extrovertidos. Para los que piensan y los que hacen. Para los que nos mostraron el camino. Coca-Cola para todos. Compra una Coca-Cola en una tienda cerca de usted.