Pampered Princess Thinks Poverty Is Easy | Financial Audit

💰 *Download Dollarwise- 6.0 Is Now LIVE* - Big Deals, New Features, Free Trial: https://bit.ly/46fiDYP *I MADE THE PHONE CALL* in the spotshow, and it's INSANE. I have to confront them on how SPOILED she is... will she change, and will they make her? - watch here: ➡️ https://bit.ly/chpostshow ============================= 🔥 Un-F*ck your finances in 2-minutes → https://bit.ly/3JCuwPS ============================= 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb ============================= *Sponsors for This Video* ============================= Start building credit with Kikoff today, and get your first month for as little as one dollar. That’s 80% off the normal price when you go to http://getkikoff.com/caleb today. ============================= Master Your Money with Caleb Hammer ============================= ⚡️Budget YOUR dream life with my simple courses: ➡️ https://bit.ly/calebhammer ⚡️Check out all of my custom Financial Audit merch: ➡️ https://bit.ly/caleb-merch ============================= *Check Out My Resources* ============================= 👉 Get a $40,000 cash bonus by investing with Webull! https://www.webull.com/k/Caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 First 100,000 Mine (formerly Fizz) sign-ups with code HAMMER10 get $10: https://www.usemine.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer 👉 Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ============================= *Chapters* ============================= 00:00 Intro 01:15 Job & Income 03:35 Life Is Hard Wah Wah Wah 04:35 Growing Up Spoiled Is NOT An Excuse 08:45 Social Media Is A Facade 10:45 She's So Privileged It's Insane 17:15 Ladies, Is She Cooking Or Delusional? 26:24 Objectively Not Worth It BTW 35:50 Let's Talk To Her Man 51:00 There's Always A Late Fee.. 57:00 What A Ridiculous Balance lol 01:11:00 Tf Is A JellyCat 01:23:00 She Is Learning Nothing 01:29:50 Budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:01Speaker 00

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• 0:26Speaker 01

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• 0:55Caleb Hammer?

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

• 0:59Speaker 03

  I have grown up very used to a certain kind of lifestyle.

• 1:03Caleb Hammer?

  Spoiled.

• 1:04Speaker 03

  Everyone I was seeing was on social media and was traveling.

• 1:08Caleb Hammer?

  I thought we kind of all understood that on Instagram, when we look at Instagram, we know Instagram's not real life.

• 1:14Speaker 03

  My hair, my nails, all of those things, they all are a part of, a huge part of my identity.

• 1:19Caleb Hammer?

  It's not survival.

• 1:21Speaker 03

  Maybe for you.

• 1:22Caleb Hammer?

  Now having an emergency fund is an emergency.

• 1:25Speaker 03

  My emergency is when my nails don't get done.

• 1:29Caleb Hammer?

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• 2:02Speaker 03

  Hi, I'm Iris. I'm 25 years old. I'm from Charleston, South Carolina, and this is Financial Audit.

• 2:08Caleb Hammer?

  Thanks for coming to Austin. What do you do for a living in Charleston?

• 2:12Speaker 03

  Uh, I am a restaurant manager out there.

• 2:15Caleb Hammer?

  Cool. What kind of restaurant are you managing?

• 2:16Speaker 03

  It's a resort restaurant, so all kinds of resort guests.

• 2:20Caleb Hammer?

  Charleston, yeah, it is a touristy type town. Uh, love it. It's definitely one of my favorite cities for sure that I've been to. How much you make in being a restaurant manager?

• 2:29Speaker 03

  So I actually just switched jobs, so I work-

• 2:32Caleb Hammer?

  Two restaurant manager?

• 2:33Speaker 03

  No, so I was a restaurant manager at one restaurant and I just moved restaurants. So, prior to this new job, I haven't gotten payroll from it yet. However, I was-

• 2:43Caleb Hammer?

  Well, you should know your pay. You accepted the job.

• 2:46Speaker 03

  I did, but I haven't gotten it.

• 2:47Caleb Hammer?

  But you should know your pay. You accepted the job.

• 2:50Speaker 03

  Previously, it was fifteen fifty-three.

• 2:51Caleb Hammer?

  Yeah, but is it the same pay?

• 2:53Speaker 03

  No, so I did get a raise.

• 2:54Caleb Hammer?

  So what, previous doesn't matter?

• 2:56Speaker 03

  So now-

• 2:57Caleb Hammer?

  What's your, what's the offer that you accepted?

• 3:00Speaker 03

  So the offer now is, on a bi-weekly basis, twenty-three.

• 3:04Caleb Hammer?

  Twenty-three hundred?

• 3:05Speaker 03

  Mm-hmm.

• 3:06Caleb Hammer?

  That's the salary?

• 3:07Speaker 03

  Yes, so it's sixty-

• 3:08Caleb Hammer?

  Is it salary or is it?

• 3:09Speaker 03

  It's salary. It's sixty thousand.

• 3:11Caleb Hammer?

  Sixty thousand a year?

• 3:12Speaker 03

  Yes. I was making fifty-two prior to when I started this new job.

• 3:16Caleb Hammer?

  Okay, so sixty thousand a year, I think, uh, call it after, you know, everything is called forty-five net, maybe. Just about. So I'm thinking about three thousand seven hundred fifty dollars a month, net. Does that sound about right?

• 3:31Speaker 03

  Yes. Prior to any kind of 401k contributions, that would be correct.

• 3:35Caleb Hammer?

  Uh-huh. Okay. Good. Now Charleston, I mean, South Carolina is not one of the more expensive states in the country. Charleston, I actually don't really know for sure. How you doing? Thirty-seven. Well, I mean, you haven't had that amount hit yet, but-

• 3:49Speaker 03

  No, I haven't.

• 3:50Caleb Hammer?

  How you doing there?

• 3:51Speaker 03

  Um, I'm okay. I live with two roommates. It's the only way that I can kind of offset the cost, the cost of living out there.

• 3:56Caleb Hammer?

  Is rent brutally expensive in Charleston?

• 3:59Speaker 03

  Yeah, for the most part. It's not fun.

• 4:02Caleb Hammer?

  Not fun?

• 4:03Speaker 03

  No.

• 4:04Caleb Hammer?

  Well, it's not fun. What are you struggling with?

• 4:06Speaker 03

  Uh, it's just expensive to live anywhere without having any kind of roommate.

• 4:10Caleb Hammer?

  Um, anywhere? I mean, that's not a hundred percent true. And you can budget in, I mean-

• 4:19Caleb Hammer?

  Even at the max, I wouldn't want you to push to 40% in that, but I mean, you could, as long as you're budgeting everything properly.

• 4:26Speaker 03

  The key word, the key word there is properly. The key word there is budgeting properly.

• 4:31Caleb Hammer?

  Saying that no one can do, it's a lie.

• 4:33Speaker 03

  I didn't say no one, it's just hard.

• 4:35Caleb Hammer?

  Okay, well, I mean, what's the hard part to you? You just don't want to budget or?

• 4:39Speaker 03

  No, it's not that I don't want to budget. I have grown up very used to a certain kind of lifestyle and it's...

• 4:46Caleb Hammer?

  What's the lifestyle? What? Do you? Okay, I could see spoiled white girl. I could see. I could see that. Is that your past spoiled white girl?

• 4:55Speaker 03

  Eh, yeah, kinda. I'm the youngest in my family, so I am, I'm the baby. I'm very much just like, family is always...

• 5:05Caleb Hammer?

  I'm the baby. Well, you're 25. I mean, you're not a baby.

• 5:08Speaker 03

  I'm the baby of the family.

• 5:11Caleb Hammer?

  If that's where your worldview is at, though, we're already starting on the wrong foot when you go into adulthood. I mean, okay, how would you say that is impacting you if that's such a big part of your everything?

• 5:22Speaker 03

  Um, I grew up just very much,

• 5:29Speaker 03

  I never really had to think about money or worry about money growing up, so...

• 5:32Caleb Hammer?

  Good, you're a child. I would hope not.

• 5:35Speaker 03

  Going into adulthood, I didn't...

• 5:37Caleb Hammer?

  Why, wait, listen, it's rare for parents to do a whole budgeting trick with their kids or like taking taxes or making them budget from their allowance. I mean, most of us grow up without having to know anything about money, unless the household's in really bad financial situations and then you kind of start seeing that. But if you're doing well, I mean, yeah, you're a child. I don't think they're sitting you down for the budget conversations.

• 6:03Speaker 03

  No, they, they didn't really, not until...

• 6:05Caleb Hammer?

  No, I'm saying no one does. So I don't know if we can hold on to that for destroying our twenties.

• 6:10Speaker 03

  I honestly, like, it was...

• 6:15Speaker 03

  I just never really thought about it when I was, because I lived with my parents until I was 23 years old.

• 6:20Caleb Hammer?

  Why?

• 6:21Speaker 03

  Um, I lived with them all through college. It was just the easiest.

• 6:25Caleb Hammer?

  Which is fine.

• 6:25Speaker 03

  I went to college in Chicago. My parents, I'm from Chicago originally. I've lived in South Carolina almost two years now.

• 6:32Caleb Hammer?

  Oh, you moved?

• 6:34Speaker 03

  I did.

• 6:34Caleb Hammer?

  Completely out to Charleston.

• 6:36Speaker 03

  I did.

• 6:36Caleb Hammer?

  I do like Charleston, but that doesn't seem like the place we moved to from anywhere. Why?

• 6:43Speaker 03

  Um, I had a, I just went through a really bad breakup back in 2023, like early 2023.

• 6:52Caleb Hammer?

  Breakup equals Charleston. I haven't heard that equation before personally.

• 6:56Speaker 03

  Really?

• 6:57Caleb Hammer?

  Breakup equals Charleston?

• 6:58Speaker 03

  Exactly. I like that.

• 7:00Caleb Hammer?

  No, I haven't. I've been broken up with, I've broken up with as well.

• 7:05Speaker 03

  And you didn't move to Charleston?

• 7:07Caleb Hammer?

  Neither of which have ended up to Charleston. No.

• 7:09Speaker 03

  It's a good equation.

• 7:10Caleb Hammer?

  Uh, okay.

• 7:11Speaker 03

  So I moved to Charleston about a year after that breakup happened. I

• 7:16Caleb Hammer?

  Okay.

• 7:17Speaker 03

  I wanted to get out of Chicago. I wanted to

• 7:20Caleb Hammer?

  Sure, that's fine.

• 7:20Speaker 03

  I wanted to move out of my parents' house. I wanted to kind of live on my own. I had a friend.

• 7:25Caleb Hammer?

  You don't have to move across country, though, in order to live on your own.

• 7:28Speaker 03

  I, well

• 7:29Caleb Hammer?

  But I understand wanting to leave the city you've been born and raised in, that's fine.

• 7:32Speaker 03

  Part of it

• 7:32Caleb Hammer?

  Especially wanting to escape the winter and gray skies. I get it, I've done it.

• 7:35Speaker 03

  Part of it was wanting to escape, like, the seasonal depression that Chicago had. Another part of it is, it's cheaper to live in Charleston than it is Chicago.

• 7:42Caleb Hammer?

  Charleston's like one of the cheapest major cities in the country. I

• 7:46Speaker 03

  Yeah.

• 7:46Caleb Hammer?

  Charleston's even cheaper than that, then I don't know how the fuck you're struggling on your income.

• 7:51Speaker 03

  I make poor spending choices, Caleb.

• 7:53Caleb Hammer?

  Well, no shit, everyone does. Obviously, that would be the reason, and you can fix that reason, and you've been in Charleston for three years.

• 7:59Speaker 03

  A little under two.

• 8:00Caleb Hammer?

  Okay, two years. That's a decent amount of time to correct behavior. I understand, okay, move out for the first time, move to a new city. Uh, maybe you go crazy for three to six months. Okay, fine, let's call it that, but two years, come on.

• 8:14Speaker 03

  Yeah, we went, we went crazy for about a, about a year, a little over a year.

• 8:17Caleb Hammer?

  Year of non-chaos. What's the issue?

• 8:19Speaker 03

  I, I spend too much in categories that I have no business spending in.

• 8:24Caleb Hammer?

  But over the last year of the not-going-crazy year.

• 8:27Speaker 03

  Um.

• 8:28Caleb Hammer?

  Wouldn't be a thing anymore.

• 8:29Speaker 03

  I guess longer than a year I've gone.

• 8:32Caleb Hammer?

  Did you live rent free with the parents throughout college?

• 8:34Speaker 03

  Yes, I did.

• 8:34Caleb Hammer?

  Okay, what's going on today, though? What's the, what are we talking about?

• 8:37Speaker 03

  Uh, my biggest issue right now is I spend money traveling. I spend money on.

• 8:45Caleb Hammer?

  But I thought our big intent was to move out, get independence, but now.

• 8:49Speaker 00

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

• 9:13Caleb Hammer?

  You're just traveling anyway, where you could live in Chicago. I don't know if it's cheaper or not, but at least closer to family or, uh, you know, get, get a little taste of what it's like to live outside of the house and then travel a lot more.

• 9:26Speaker 03

  I mean.

• 9:26Caleb Hammer?

  Potentially.

• 9:27Speaker 03

  Yeah, I just.

• 9:28Caleb Hammer?

  Well, I don't know why you have to move out and do the whole travel the world at the same time. Like move out across country plus travel.

• 9:34Speaker 03

  I wanted to live independently. I wanted to do the things that I wanted to do, and I wanted to not look at my money and my financial statements. And I just, I'd never really had to be an adult prior to any of this. So I just decided, you know, I'm just gonna live my life.

• 9:50Caleb Hammer?

  Well, yeah, you got hyper-enabled.

• 9:51Speaker 03

  I had, I had a really bad mental, like, idea of money in the sense that.

• 9:56Caleb Hammer?

  Hey, what was your idea?

• 9:57Speaker 03

  I was just kind of like, well, you know what? Everyone's in credit card debt that's my age.

• 10:01Caleb Hammer?

  Wrong again, idiot.

• 10:04Speaker 03

  I, everyone I was seeing was on social media and, and was traveling and.

• 10:09Caleb Hammer?

  Well, yeah.

• 10:09Speaker 03

  And doing all these things and.

• 10:11Caleb Hammer?

  But I thought we've, okay, maybe the rest of the world is just, but I considered myself pretty as well. But I thought we kind of all understood that on Instagram, when we look at Instagram, we know Instagram's not real life. I thought we all kind of accepted that a few years ago. Are we still broken?

• 10:30Speaker 03

  It's hard. It's hard to see everything on, I've deleted social media apps off my phone multiple times.

• 10:36Caleb Hammer?

  You don't have to. That doesn't make you travel. You can, I see things all the time and I'm like, hope that person's either in debt or they're just posting the absolute highlights or their parents are paying for it and that's not real life.

• 10:47Speaker 03

  Yeah, I've had to delete social media off my phone multiple times for a lot of different reasons, but one of that was that it was causing, it, it was a direct correlation to me wanting to spend money that I didn't have.

• 11:00Caleb Hammer?

  You can want to spend money and say, no, you can have discipline. I need you to live in a healthy balance where you're able to see things, including things you walk by on a storefront and be able to tell yourself, no.

• 11:12Caleb Hammer?

  Are you still babied by your parents today?

• 11:14Speaker 03

  Um, no, kinda.

• 11:17Caleb Hammer?

  No, kinda.

• 11:18Speaker 03

  I'm, I'm trying to think.

• 11:19Caleb Hammer?

  What does that look like? Because I mean, that, that is a big concern. I mean, listen, you do have responsibility and a lot of things you do, but being enabled all throughout until 23 is obviously going to put you at a disadvantage. Now you could have learned adult skills, adult responsibilities. If you put a little bit of effort into it, I'm not fully excusing you there, but if they're still babying you from there, they're like, what are the, are you ever going to grow up? Are you ever going to be living on your own? If you're the youngest, that means your parents are also older, which means they're not going to be here forever. No one's will be, but especially if you're the youngest.

• 11:55Caleb Hammer?

  What are you going to do without them? I don't know. I need to set you up for success.

• 11:59Speaker 03

  I can't even think about what I'm going to do without them.

• 12:03Caleb Hammer?

  Well, that's because you haven't actually done anything yourself. So what's the babying they're doing today?

• 12:09Speaker 03

  Um, so as of right now, I don't pay for my car or my phone.

• 12:17Caleb Hammer?

  How the fuck are you then?

• 12:19Speaker 03

  I didn't want to look at it. I wanted to ignore it. I wanted to live in this ignorance is bliss mindset. I didn't want to think about it. I didn't want to look at it.

• 12:28Caleb Hammer?

  No, no, no. If you know it exists, it's not ignorance is bliss then.

• 12:32Speaker 03

  I didn't want to look at any of the statements.

• 12:33Caleb Hammer?

  That's negligence.

• 12:34Speaker 03

  Then negligence is bliss.

• 12:36Caleb Hammer?

  No, that's horrible.

• 12:39Caleb Hammer?

  That's you actively choosing not to do something that you know exists.

• 12:44Caleb Hammer?

  That's not ignorance. Ignorance is you just don't know. I mean, why do I have a note here if, if you have the car taken care of? Why are you so annoyed that you have to take like 30 minutes out of your time to go get it checked? Like you're that much of a spoiled brat that you're not even willing to go get the car checked that they'll likely pay for? The 30 minutes of your precious little Charleston time?

• 13:06Speaker 03

  I, uh, getting a car checked is longer than 30 minutes.

• 13:10Caleb Hammer?

  Well, it depends. I don't know what it's got. What's it getting checked for?

• 13:14Speaker 03

  So I, I ran over an alligator.

• 13:16Caleb Hammer?

  Okay, boy, do you need to get it checked? It sounds like you won the battle.

• 13:19Speaker 03

  I, my parents want me to get the undercarriage of my car checked and yes, I have them putting it.

• 13:24Caleb Hammer?

  Is there something? Is there a light that is on? Is?

• 13:27Speaker 03

  No, they just want to make sure that the car is okay.

• 13:29Caleb Hammer?

  They're paying for it. Shouldn't you go do that and do any kind of personal responsibility whatsoever? Oftentimes you can drop off Uber home, Uber, wherever you want to go and then go back. What? That, that still takes 30 minutes of your time?

• 13:40Speaker 03

  Yeah.

• 13:40Caleb Hammer?

  God, you're a spoiled princess. No, you're still getting enabled, so I'm not happy with it. But I could accept it. However, they're paying for this and yet you're not even willing to go take, look, take a look at the, take 30 minutes out of your day to get the car looked at. That's gross. That's gross. What's wrong with you? Why?

• 13:57Speaker 03

  I would have to drive two hours to and from my job for a long time. So trying to get a rental car, I, I worked very far away from my home and so.

• 14:04Caleb Hammer?

  Worked to?

• 14:05Speaker 03

  Worked at my old job.

• 14:06Caleb Hammer?

  Okay, you don't. You got this job a second ago.

• 14:09Speaker 03

  Yeah, about a week ago.

• 14:10Caleb Hammer?

  Well, there you go. You had a whole week to go put in a car. You just drive up. It even still, do it on a fucking day that you don't work. I know there's days you don't work. Don't be a moron. They're just looking at your undercarriage. They're not even, they're not even, is that what it's called, undercarriage?

• 14:25Speaker 03

  I think, I think it's the undercarriage.

• 14:26Caleb Hammer?

  Vagina buttholes.

• 14:28Speaker 03

  I, I think it's the undercarriage of your car. Cause the whole like part that you sit in is the carriage. I think.

• 14:35Caleb Hammer?

  I don't know, but even still, by the way, it was a 45 minute away job, fact checked. You tried to over exaggerate it.

• 14:41Speaker 03

  An hour, two and an hour back.

• 14:45Caleb Hammer?

  Drop it off somewhere near your job. Have them check it out while you're at work. Go there early. Shut up. What are you talking about?

• 14:54Speaker 03

  There's not a whole lot of places near my job. I worked on it.

• 14:56Caleb Hammer?

  Dude, dude, dude. Also, I know you don't work every single day. You f***ing no one does.

• 15:01Speaker 03

  No, I don't. I had just started this new job. I am also a grad student, so I am still in school right now.

• 15:07Caleb Hammer?

  Gradually student teen what?

• 15:10Speaker 03

  I am getting my master's degree in elementary education.

• 15:13Caleb Hammer?

  For f***ing why? That's not even close to what you're doing.

• 15:16Speaker 03

  Um, right.

• 15:16Caleb Hammer?

  What kind of time and money is this worth? A master's in elementary? Do you need a master's in South Carolina? Is it one of those weird states?

• 15:24Speaker 03

  No, you don't.

• 15:24Caleb Hammer?

  Then f*** off.

• 15:25Speaker 03

  You don't need a master's degree in, in South Carolina for it, but I need to get my, I want to be a teacher. So I need to get my teaching licensure and a master's program would allow for me to get my licensure, take the course.

• 15:36Caleb Hammer?

  Dude, how much are you spending on this?

• 15:37Speaker 03

  Uh, it's about $8,000 a year in tuition.

• 15:39Caleb Hammer?

  That's not cr- why is this so cheap, actually?

• 15:42Speaker 03

  It's all online asynchronous. I go through.

• 15:45Caleb Hammer?

  That's what we want from our teachers. Uh, okay.

• 15:50Speaker 03

  It's the COVID.

• 15:51Caleb Hammer?

  4,325 per six month term. Okay, but even still, I mean, is that why you accept your parents on it? Like, are they ever gonna cut you off? Like what?

• 16:01Speaker 03

  So I've talked to my parents a little bit about taking on the car payment.

• 16:06Caleb Hammer?

  About you taking it on? Well, what's the conversation? You reach out to them saying, yes, please let me spend my money?

• 16:12Speaker 03

  I actually reached out to them and I was like, hey, I kind of want to start building my independence from you. They want me to get myself out of debt before I, out of any kind of bad debt before I take on.

• 16:23Caleb Hammer?

  In that?

• 16:23Speaker 03

  No, the car is not.

• 16:24Caleb Hammer?

  They want you to get out of debt. If that's your big goal, how much debt do you have?

• 16:27Speaker 03

  Uh, about $15,000 in bad debt.

• 16:29Caleb Hammer?

  How much?

• 16:30Speaker 03

  About $15,000 in bad debt.

• 16:31Caleb Hammer?

  How much debt do you have?

• 16:32Speaker 03

  Debt, uh, 70, 65 to 70.

• 16:35Caleb Hammer?

  $61,902.51 bad debt. Uh, which, I mean, the student loans are stacking up, don't get me wrong, especially on an edg- I mean, I don't think South Carolina teachers are known for being paid the highest, especially in elementary school.

• 16:47Speaker 03

  No, their, their schedule, their salary schedule's not great.

• 16:50Caleb Hammer?

  You know, the student loans are approaching 45 and that'll be higher if you are borrowing for now. Bad debt, it's approaching 18,000.

• 16:58Speaker 03

  So.

• 17:00Caleb Hammer?

  How many hours a week are you working? How many hours go to the school?

• 17:02Speaker 03

  Twenty to twenty-five hours a week on school during my regular school time. And then if I'm ever doing exams, clinical hours or anything, it bumps up to thirty to forty hours a week for school.

• 17:14Caleb Hammer?

  Okay, how are you balancing all this? Are you?

• 17:18Speaker 03

  By a thread.

• 17:19Caleb Hammer?

  School.

• 17:21Speaker 03

  It's challenging and I think I have allowed myself to kind of just be like, well, I'm in school. I'm working all these hours, so it doesn't matter. I don't pay for the car. I can just do it whenever I get the time and then the time comes and I'm exhausted. And so I don't do it, but my mom is getting on me about wanting to make sure that I get the car taken in, so.

• 17:46Caleb Hammer?

  Have you ever budgeted a day in your life?

• 17:48Speaker 03

  I have.

• 17:49Caleb Hammer?

  Parents is doing things?

• 17:49Speaker 03

  Yes, I have, and I've seen the way that you budget all of your stuff and.

• 17:53Caleb Hammer?

  What, a little too aggressive for you?

• 17:55Speaker 03

  No, you're, no, your TP, your TP fund is bullshit. It is.

• 17:59Caleb Hammer?

  Okay.

• 18:00Speaker 03

  The way that you budget all of like the extra stuff, I, like, I, when I do know that you put a budget together at the end of all of your shows. And I need to know that, like, when you do budgeting for me, it's going.

• 18:12Caleb Hammer?

  It might not cover a blowout if you're trying to get out of debt.

• 18:16Speaker 03

  I did this myself.

• 18:18Caleb Hammer?

  But still.

• 18:19Speaker 03

  Don't insult my skill.

• 18:21Caleb Hammer?

  I don't know your skill.

• 18:22Speaker 03

  I have a lot. The thing about, like, it's, it's expensive to have upkeep. You are not a girl. You don't understand.

• 18:29Caleb Hammer?

  You don't, no, no, no. You understand the budget we make is a minimum survival budget. You are wearing makeup right now. That's lovely. We support it. If you want to do that, that's great. It is not in a minimum survival budget.

• 18:40Speaker 03

  It should be.

• 18:41Caleb Hammer?

  For survival, for a living, like, you will die. Like, we're talking roof overhead, food on the tables, utilities paid for. This is a survival budget we're making.

• 18:50Speaker 03

  But the thing is.

• 18:51Caleb Hammer?

  Tampons can fit in there quite easily in the budget that we make for the TP fund. Many times people have money left over in their TP fund and they can use it for fun.

• 19:00Speaker 03

  Well, the whole thing, the whole thing for me, like, my hair, my nails, the way that I look, all of that.

• 19:05Caleb Hammer?

  Nails is not survival.

• 19:06Speaker 03

  It is for me.

• 19:07Caleb Hammer?

  It's, no, it's literally not. You will not die. I mean, I know you've been spoiled your entire life. You will not die.

• 19:14Speaker 03

  It's all a part of my identity and that is such, like.

• 19:17Caleb Hammer?

  Spoiled.

• 19:19Caleb Hammer?

  If that's the identity we want to put on, you're doing it very well. I don't know if that's what you want to put on.

• 19:24Speaker 03

  No, my, the, the way that I look, my hair, my nails, all of those things, they all are a part of, a huge part of my identity.

• 19:31Caleb Hammer?

  I agree. I want you to do it. It's not survival.

• 19:34Speaker 03

  Maybe for you.

• 19:35Caleb Hammer?

  No, it's not survival for anyone. It's what I want you to do. It's what you can easily fit into your 30% where you can spend 30% on fun. It isn't survival. Not having an emergency fund is an emergency.

• 19:48Speaker 03

  I've heard you say that before.

• 19:50Caleb Hammer?

  Uh huh.

• 19:51Speaker 03

  My emergency is when my nails don't get done.

• 19:53Caleb Hammer?

  I mean, that's stupid. How can you even possibly say that? I mean, that's just like, that doesn't make any sense. That doesn't impact you.

• 20:00Speaker 03

  It does.

• 20:01Caleb Hammer?

  Okay. Well, no, no, it doesn't impact you on a survival standpoint is what I'm trying to say.

• 20:05Speaker 03

  It impacts me and my ability to feel like myself, to go through the rest of my life. If everything, if the way that I look, the way that I feel is off, my mental is off, my physical is off, and then.

• 20:15Caleb Hammer?

  I mean, I'll put in a gym subscription.

• 20:18Speaker 03

  I do have a gym subscription.

• 20:19Caleb Hammer?

  Are you using it?

• 20:20Speaker 03

  I am. I use that to do my weightlifting and then I run.

• 20:23Caleb Hammer?

  I think that's more important to looks than nails.

• 20:28Speaker 03

  Maybe in your.

• 20:29Caleb Hammer?

  We're all 20 pounds away from being sexy as.

• 20:34Speaker 03

  I mean.

• 20:38Caleb Hammer?

  Dude, nails can be pricey.

• 20:40Speaker 03

  They are pricey. Yes.

• 20:41Caleb Hammer?

  I pay for my girl to get her nails done.

• 20:43Speaker 03

  So you understand.

• 20:44Caleb Hammer?

  I have money. I can budget. I have a TP fund set aside and it fits in it. I'm not a spoiled brat. I saved my money. I acted responsibly. I'm in a place where I can do it.

• 20:56Speaker 03

  But you didn't always act responsibly.

• 20:57Caleb Hammer?

  No, I didn't. But when I started to change, which people come on the show to change, which you said you did. This is where you start acting responsibly. When I worked to get out of debt, when I worked to get an emergency fund, I wasn't blowing all my money on bullshit.

• 21:15Caleb Hammer?

  Little rewards along the way, absolutely, and we can bake those in and we can celebrate with them. That is fine. But the budget we make at the end is not a, is not a go live and have a shit ton of fun budget. It is a minimum survival, what you need to survive budget and what can we do around there? When people have the wiggle room for fun spending, I put it in and you can put your nails in that thing. I don't know if you have that wiggle room or not. I don't know. I mean, the fact that your parents pay for some of your bills already helps, but that money should probably be going to putting extra towards debt anyway. Your hair is dyed, it's highlighted.

• 21:49Speaker 03

  I do, I do.

• 21:50Caleb Hammer?

  That's expensive.

• 21:51Speaker 03

  It is, especially in the Charleston area. And in my opinion, it's worth it.

• 21:56Speaker 04

  Are you stupid or something?

• 21:58Caleb Hammer?

  Worth a dollar amount, maybe, but not when you don't have an emergency fund. Cause what hap- well, your parents will bail you out. That's why you don't understand, that's why you don't have a respect for the dollar. You don't have a respect for an emergency fund because no emergency will have ever popped up for you at this point. But you need to prepare yourself for when they're not there to bail you out. Because that's when an emergency will actually be an emergency as an unpredictable costume money you don't have and then you're

• 22:24Caleb Hammer?

  and you lose a roof over your head.

• 22:26Speaker 03

  As essential as those things are, to me.

• 22:29Caleb Hammer?

  A roof?

• 22:30Speaker 03

  Yes.

• 22:31Caleb Hammer?

  Pretty essential.

• 22:32Speaker 03

  I just said that it was. As essential as those things are.

• 22:35Caleb Hammer?

  Uh huh. Which is a weird thing to say about keeping a roof over your head, but sorry, continue.

• 22:41Speaker 03

  I also find things like my hair, my nails, all of that stuff to be as

• 22:46Caleb Hammer?

  Not as essential as a roof.

• 22:48Speaker 03

  Not as essential.

• 22:48Caleb Hammer?

  There we go. They're in different categories, just like murders. Not every murder is the same. If you accidentally murdered an alligator, it is not the same as intentionally going out there and blowing an alligator's head off. Okay. There are degrees of murder.

• 23:00Speaker 03

  I didn't murder the alligator.

• 23:01Caleb Hammer?

  There are degrees of murder, there are degrees of needs. I am talking about survival.

• 23:05Speaker 03

  All right. The alligator walked away from that accident. I left with a lot of emotional drama.

• 23:09Caleb Hammer?

  Good. You deserve it. That's not true.

• 23:13Caleb Hammer?

  Nah. Emotional trauma for hitting an alligator.

• 23:16Speaker 03

  Yes. I felt, I felt so bad for hitting that alligator. At least it wasn't a deer. It didn't totally total my windshield.

• 23:25Caleb Hammer?

  Well, you don't know anything because you won't get your car checked out that they're paying for. And they really want you to get checked out.

• 23:29Speaker 03

  I will take my car in to get checked out. I will take.

• 23:32Caleb Hammer?

  Good. I don't know why you haven't. How long have they been asking? Before we jump back in, this part of the video is sponsored by Kickoff. Let me tell you something that still annoys me. When I financed my car, my credit was sitting in the low 500s. If it had just been over 600, I could have saved over $2,000 in interest. That is vacation money. That is new laptop money. That is therapy money. And that's where Kickoff comes in. Kickoff is the number one credit building app in the App Store and plans start at just $5 a month. No credit check, no hidden fees, no interest. When I started using it, I was building from those low 500s. Users under 600 drew an average of 25 points in their first month with on-time payments. That is real progress just from consistency. Here's what I like. The account immediately helps diversify your credit mix.

• 24:15Caleb Hammer?

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• 24:59Caleb Hammer?

  You suck with money, so you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? There's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollar Wise. Built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is.

• 25:43Caleb Hammer?

  Download it now, start the free trial, dollarwise.com, link in the description below.

• 25:49Speaker 03

  Too long.

• 25:50Caleb Hammer?

  How long have they been asking?

• 25:51Speaker 03

  I hit the alligator.

• 25:52Caleb Hammer?

  Spoiled brat.

• 25:52Speaker 03

  I hit the alligator in August.

• 25:54Caleb Hammer?

  What the f**k is wrong with you? You don't pay for it and they just want to make sure it's okay and that you're safe. What is wrong with you? Then you feel like you have to get the hair did, nails did?

• 26:06Caleb Hammer?

  You can fit a lot of these things in the TP fund. It will be doing your own nails. Yes, you can put makeup in there. Tampons, oh, they fit.

• 26:15Speaker 03

  I don't need to put those in there.

• 26:17Caleb Hammer?

  Okay, she's bloodless, well done.

• 26:20Speaker 03

  Thank you.

• 26:20Caleb Hammer?

  That is cheaper.

• 26:22Speaker 03

  Yeah, it is. Pink tax is...

• 26:24Caleb Hammer?

  Yes?

• 26:24Speaker 03

  Horrid.

• 26:25Caleb Hammer?

  Pink tax is a thing. You can fit it in the TP fund for minimum survival. I've seen people complain about it. I don't give a f**k. They don't understand that it's a survival budget. It's not the rest of your life budget. This is a getting on a day and getting a fully funded emergency fund budget.

• 26:39Speaker 03

  What do you consider to be fully funded emergency fund?

• 26:41Caleb Hammer?

  Six months of living expenses. Or 12 months if you own your own business, or if you're an independent contractor, potentially, 9 to 12.

• 26:47Speaker 03

  Okay. I was just curious. I wasn't, I didn't know what you, because I feel like-

• 26:52Caleb Hammer?

  So are we aligned, or are you still dumb?

• 26:56Speaker 03

  Six months makes sense to me. I-

• 26:59Speaker 00

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

• 27:24Caleb Hammer?

  $100 for highlights, $160 for a cut. That's crazy.

• 27:28Speaker 03

  Yeah.

• 27:28Caleb Hammer?

  Come on. You don't need this for survival.

• 27:32Speaker 03

  I do.

• 27:32Caleb Hammer?

  Look like every ragged ass bitch that's in South Carolina. You'll be fine.

• 27:36Speaker 03

  I don't want to.

• 27:37Caleb Hammer?

  But you'll fit in.

• 27:39Speaker 03

  I like to stand out. I got my undergrad in acting. You think that I want to fit in?

• 27:43Caleb Hammer?

  You're undergrad in acting?

• 27:45Speaker 03

  I did.

• 27:45Caleb Hammer?

  What are you doing with that? You're doing nothing with it.

• 27:47Speaker 03

  I know that you got an art degree too, so you can't say shit about it.

• 27:50Caleb Hammer?

  No, I dropped out. Listen, what the [bleep]. What a waste of a degree. You're doing nothing with it. You're working in retail.

• 27:58Speaker 03

  Restaurant. I was gonna say F and B.

• 27:59Caleb Hammer?

  Service, sorry.

• 28:00Speaker 03

  I, uh, I don't find it to be a waste of a degree now.

• 28:03Caleb Hammer?

  Well, you're not using it. And you have $40,000, uh, $44,698 of student loans.

• 28:09Speaker 03

  Yeah.

• 28:12Speaker 03

  Um, value of what my degree cost versus value of what my degree is giving me, as I will tell you, it's in the negatives, 100%.

• 28:19Caleb Hammer?

  Well, no shit, so it's not worth it.

• 28:20Speaker 03

  I found my degree to be worth it.

• 28:22Speaker 00

  How do you know what's good for me? That's my opinion!

• 28:27Caleb Hammer?

  Uh, mathematically, it's not. What is the worth it? You had fun? That's great. You can have fun without $45,000.

• 28:32Speaker 03

  I learned, I learned a lot. I learned-

• 28:33Caleb Hammer?

  By acting?

• 28:34Speaker 03

  I, well, I learned there are-

• 28:36Caleb Hammer?

  What were you trying to do?

• 28:37Speaker 03

  I wanted to, to be an actor. I wanted to be in the film and television world. I went to Columbia College, Chicago.

• 28:44Caleb Hammer?

  Okay, yeah.

• 28:45Speaker 03

  I wanted to be in the film and television world.

• 28:47Caleb Hammer?

  Did you do anything?

• 28:48Speaker 03

  I did. I did some work.

• 28:52Caleb Hammer?

  You're on this podcast now, but you're gonna be a teacher.

• 28:54Speaker 03

  Yeah, I did, I did some work, um, in the industry. However, I was in my undergrad when COVID hit. And everything kind of went to hell in a handbasket.

• 29:06Caleb Hammer?

  Yeah, but that ended relatively quickly.

• 29:08Speaker 03

  But the industry changed so much that I didn't want to, I didn't really want to continue working in that industry, but I wanted to finish out my degree. And that's why I'm going in to get my master's degree now, because I want to start an actual career. Because I don't want to be in F and B for the rest of my life.

• 29:25Caleb Hammer?

  F and B?

• 29:26Speaker 03

  Food and bev.

• 29:27Caleb Hammer?

  Oh.

• 29:28Speaker 03

  Restaurants.

• 29:29Caleb Hammer?

  I thought it was a fat bitch, but I got you. No, it's not true. You're, actually, I don't know what you are. It's very hard to tell with that clothing. Uh, what do you-

• 29:37Speaker 03

  This is, this is my favorite dress, so don't knock it till you try it.

• 29:40Caleb Hammer?

  I don't think I'm gonna try it.

• 29:42Speaker 03

  Really? I think it would, it would fit nicely on you.

• 29:47Caleb Hammer?

  Are we swapping?

• 29:48Speaker 03

  Why not?

• 29:51Caleb Hammer?

  What do you think your finance score is 0 to 10, 0 being the worst, 10 being the best?

• 29:55Speaker 03

  One.

• 29:56Caleb Hammer?

  If you want your financial score, take the assessment. It is free at CalebHammer.com. See where you stand in the world of money. See where you're doing poorly, where you need to improve, where you're doing shit, where you're doing great. It tells you all of it, only takes a few minutes, and again, it is free. And if you don't want to be like a guest who ends up on the show, make sure you download the Dollar Wise Budgeting app. It is my preferred budgeting app. So many new features have been added recently. It's incredible. You'll love it. Get your free trial, DollarWise.app. Sign up for the annual version if you want to save a lot of money. And when you do, for a couple of months left, and then it's gone forever, can't be purchased. I will sign my budget friendly cookbook and mail it directly to you. DollarWise.app. All those links in the description below. Let's jump into these finances, shall we?

• 30:39Speaker 03

  You have a good haircut in that photo.

• 30:41Caleb Hammer?

  It's the same haircut.

• 30:44Speaker 03

  It looks different in that one.

• 30:45Caleb Hammer?

  I may have laid a little bit.

• 30:46Speaker 03

  Maybe it's just because you're smiling, so you don't look as dead inside in the photo as you do.

• 30:50Caleb Hammer?

  Am I not like joyful and just?

• 30:53Speaker 03

  Joyful?

• 30:53Caleb Hammer?

  Yeah.

• 30:55Speaker 03

  Smile. Let's see.

• 30:57Caleb Hammer?

  I am.

• 30:58Speaker 03

  Smiling on the inside?

• 30:59Caleb Hammer?

  South Carolina Federal Credit Union, what do you have going on with them?

• 31:03Speaker 03

  Personal loan.

• 31:03Caleb Hammer?

  Why?

• 31:04Speaker 03

  I...

• 31:05Caleb Hammer?

  At 25, with your parents supporting you, I am confused. Why would you have a personal loan?

• 31:09Speaker 03

  I did a debt consolidation.

• 31:10Caleb Hammer?

  Why? With your parents supporting you? Why?

• 31:12Speaker 03

  My, uh, so basically I was paying the minimum payments on my credit cards. And I called my dad once and I kind of was like, hey, what should I do? I was living alone for the first time, trying to figure out how to pay my bills. My minimum payments felt like a lot at the moment. And he was like, well, why don't you consider?

• 31:34Caleb Hammer?

  Wait, who said that?

• 31:35Speaker 03

  My dad.

• 31:36Caleb Hammer?

  Okay, and they weren't going to bail you out? Not that I want them to, but...

• 31:39Speaker 03

  No, they didn't want...

• 31:40Caleb Hammer?

  It sounded like they would be.

• 31:42Speaker 03

  But when I called my dad, I lied to him about where I was financially. And I was like, yeah, totally. I've 100% fixed my behavior and changed what I was doing. And he was like, well, why don't you just go get a debt consolidation? Why don't you just go to a credit union and see what they have to offer you?

• 31:58Caleb Hammer?

  It would just be an end all fix all. Suggested? What was your thought? You went into it and got it?

• 32:03Speaker 03

  I did. So I went, I went to a credit union that was near me and I walked in and I was like, "Hey, this is the amount of debt that I have. These are the credit cards." And the interest rate that they were gonna, that they put my loan at was significantly lower than what my, um, credit card interest rate was. And so it seemed like a good idea at the time, but I didn't change any of my-

• 32:26Caleb Hammer?

  What happened?

• 32:27Speaker 03

  I have a certain standard of living that I wasn't willing to give up yet.

• 32:30Caleb Hammer?

  What's that? You have roommates. What's your standard of living you're not willing to give up?

• 32:34Speaker 03

  Just-

• 32:34Caleb Hammer?

  Again, this is coming from spoiled background.

• 32:37Speaker 03

  Just shopping, taking care of myself.

• 32:40Caleb Hammer?

  What's taking care of yourself? Your blowout?

• 32:42Speaker 03

  No, getting my hair done, getting my nails done.

• 32:44Caleb Hammer?

  Even that with your income, if budgeted, if put, that wouldn't make or break you. You have to infinitely spend more than you make, like a lot more.

• 32:52Speaker 03

  And I was. And-

• 32:54Caleb Hammer?

  Was?

• 32:55Speaker 03

  Was.

• 32:55Caleb Hammer?

  Okay, very good. How much did you spend last month?

• 32:57Speaker 03

  Oh.

• 32:58Caleb Hammer?

  We know what comes in.

• 32:59Speaker 03

  Yeah.

• 33:00Caleb Hammer?

  What, like 27 on normal? Three maybe? Three, two?

• 33:03Speaker 03

  Thirty-one.

• 33:04Caleb Hammer?

  Thirty-one comes in. What went out?

• 33:07Speaker 03

  Is that in, like-

• 33:08Caleb Hammer?

  What went out?

• 33:09Speaker 03

  Checking, credit, all of it.

• 33:10Caleb Hammer?

  Everything. What went out? What was spent? What's gone?

• 33:12Speaker 03

  I'm gonna take a wild guess and say probably somewhere near 6,000.

• 33:16Caleb Hammer?

  That's insane. $4,534.47. If you said was, how can you possibly say six? What the?

• 33:24Speaker 03

  I just ca-

• 33:25Caleb Hammer?

  That's not was?

• 33:26Speaker 03

  I, I assumed. I was like, I, I wanted to-

• 33:29Caleb Hammer?

  But that's not was though. That still is.

• 33:31Speaker 03

  I thought that I, that it was worse than it, than it actually is apparently.

• 33:36Caleb Hammer?

  No, no, no, you're not understanding what I'm saying. When you say was, it makes it sound like you were bad, but you still are. If you're saying 6,000, I mean, you still are. If like 31 comes in, you spend 40, uh, what was it? 45? Yeah, 45?

• 33:48Speaker 03

  The reason, the reason I thought, the reason I thought it was 6,000 is because I knew that three paychecks hit on that statement that I sent you. So I figured it was somewhere in the ballpark of 1,500, 2,000 more than I bring in.

• 34:00Caleb Hammer?

  So it's still not was though. It still is. There's no change. You're suggesting change. There's no change. Where's the change?

• 34:07Speaker 03

  There's more awareness now at this moment in time than there was when I was-

• 34:11Caleb Hammer?

  But you're doing nothing with the awareness. Isn't that worse than ignorance? Again, going back to that?

• 34:17Speaker 03

  I guess. Yes, yes, yes, yes.

• 34:19Caleb Hammer?

  Then what are you saying?

• 34:21Speaker 03

  I, what I'm trying, what I'm trying to say is-

• 34:28Speaker 03

  Looking through all of those statements, I had never really sat down and actually tracked what I was spending.

• 34:34Caleb Hammer?

  Why? Because isn't that what's all necessary if you're gonna say was and now is?

• 34:37Speaker 03

  I do it now. I track all of my spending now. I look at my statements now. And so I guess if you're gonna look at any kind of behavior change that did happen, I do that. I still have, I still struggle with impulse control when it comes to spending. I still struggle with impulse control when it comes to seeing what other people are doing and trying to...

• 34:56Caleb Hammer?

  So what's the cope?

• 34:59Caleb Hammer?

  How do you deal with that?

• 35:00Speaker 03

  How do I deal with overspending?

• 35:01Caleb Hammer?

  How do you deal with that? If you see what other people are doing, what is the answer?

• 35:05Speaker 03

  Right. I mean, it was, it was just buying things and spending money that I didn't have.

• 35:09Caleb Hammer?

  You keep saying was.

• 35:10Speaker 03

  It is, it is. It's buying things.

• 35:12Caleb Hammer?

  How much did you spend going out to eat last month?

• 35:16Speaker 03

  Six hundred, seven hundred?

• 35:17Caleb Hammer?

  Dude, it was a thousand twenty-six. What the [bleep] are you doing? Even now with your better income, that's still over a fourth? Over a fourth! Well, you have debt. Well, mommy and daddy are giving you all this money and paying your bills. While you're consolidating debt, while you're a was and now is. You was now is, you is [bleep]. You are spending over a thousand dollars, over a fourth of your income, on going out to eat, was? What are you talking about, was? There is no was, there only is and still is and forever will be unless you actually look at what you're spending, of which you won't do.

• 35:54Speaker 03

  I do it now. I didn't do it when I said, and I know that over a, like, one month isn't enough to consider it a behavior change.

• 36:02Caleb Hammer?

  But this is that month. This is that month. So what the [bleep] are you talking about?

• 36:08Caleb Hammer?

  There's not an indication of a behavior change.

• 36:10Speaker 03

  No, there isn't, but...

• 36:11Caleb Hammer?

  What are you talking about? Because, just because you knew...

• 36:14Speaker 03

  I make, I make all my payments. I pay all my bills, so...

• 36:17Caleb Hammer?

  Oh, well, see about that. Every time someone has said that, oh, they basically have late payments, by the way. But either way, either way, pause. Either way, [bleep] pause. The thing is, you just being knowledgeable about, wow, I really would like to not be in debt. For a month is nothing because you still went and did the same actions as before. If not, that's even worse because if you all of a sudden had that mindset and wanted to fix it, but then didn't, that is worse than again being in ignorance. That is what this conversation is about so far. You can't give yourself a W by all of a sudden knowing you're in debt and not wanting to be in debt, but not doing anything to fix it. That's not a win. Where's the win? That's not a win.

• 36:59Speaker 03

  I think.

• 37:02Caleb Hammer?

  I mean, I heard you have a boyfriend and your future is all dependent on you getting your shit together.

• 37:09Speaker 03

  Yeah.

• 37:09Caleb Hammer?

  He had a nervous breakdown when talking about your finances to him.

• 37:12Speaker 03

  I did.

• 37:13Caleb Hammer?

  Tell me about it.

• 37:14Speaker 03

  So he and I started dating earlier this year and

• 37:19Caleb Hammer?

  Okay.

• 37:20Speaker 03

  we basically, we started talking about where our finances were and after a couple of days, he had, I told him that I had credit card debt and I never really told him how much. And then he kind of asked me, he was like, hey, seriously, like where are you at in, in your debt?

• 37:36Caleb Hammer?

  How quickly into your dating?

• 37:37Speaker 03

  Pretty quickly. I mean, I didn't want to, we both kind of are on the same page that we're ready to be with our person.

• 37:49Caleb Hammer?

  Yeah.

• 37:50Speaker 03

  And so we kind of just wanted to make sure we aligned on certain stuff and finances, kids, all that. We wanted to make sure that we were on the same page. And he was like, how much credit card debt are you really in? Cause he knew that my parents bailed me out of a lot of stuff.

• 38:02Caleb Hammer?

  Oh, he already knew that.

• 38:04Speaker 03

  Yeah.

• 38:04Caleb Hammer?

  Previously. And he's like, hmm, why don't we lock down that?

• 38:08Speaker 03

  He knew that my parents helped me financially. Yes. I don't think he realized how much. And so when I told him.

• 38:13Caleb Hammer?

  Be with a non-independent person though, someone that can't manage themselves. Because that means all of a sudden he becomes the dependent.

• 38:19Speaker 03

  I have made that joke to him multiple times.

• 38:23Speaker 03

  It's not really a joke. That's the problem.

• 38:25Caleb Hammer?

  Well, what's the joke? That you're going to be dependent on him?

• 38:28Speaker 03

  We'll just, we'll just go from spending, spending daddy's money.

• 38:32Caleb Hammer?

  So the nervous breakdown, what happened?

• 38:33Speaker 03

  So I, I broke down to him and I was like.

• 38:36Caleb Hammer?

  You call him daddy?

• 38:37Speaker 03

  That was a joke.

• 38:38Caleb Hammer?

  Let me see what this man looks like. Let me see if he looks like a daddy.

• 38:41Speaker 03

  All right. That's him.

• 38:46Caleb Hammer?

  He could be daddy. Okay. Go on.

• 38:50Speaker 03

  That's him. So I, I broke down crying and I finally admitted to him what I'd been lying to myself about, what I've been lying to my parents about, which is just where I was debt wise. I was lying to my, I, I didn't want to think about the fact that I was in debt because I didn't want to change my behavior. I just wanted to keep spending money and being a spoiled little brat. I mean, I'm sorry.

• 39:11Caleb Hammer?

  Hey, I mean, with your spending, you still are. If this conversation was months and months and months and months ago, you didn't change.

• 39:17Speaker 03

  No, I didn't. I, I wanted to keep spending money and so I just ignored it and I just let it keep going. And I told.

• 39:28Caleb Hammer?

  Okay, call him.

• 39:29Speaker 03

  Right now?

• 39:30Caleb Hammer?

  Mm hmm.

• 39:34Speaker 03

  Alrighty.

• 39:35Caleb Hammer?

  Cause his personal loans are $2,869.12. What's the minimum monthly payment?

• 39:39Speaker 03

  175.

• 39:40Caleb Hammer?

  And what's the interest rate?

• 39:41Speaker 03

  12.5?

• 39:43Caleb Hammer?

  13.5.

• 39:44Speaker 03

  13.5.

• 39:45Caleb Hammer?

  Minimum payment, 152.45.

• 39:47Speaker 03

  Oh, I pay 175 every month.

• 39:49Caleb Hammer?

  Well, I don't understand the point of a little more on a few different accounts instead of actually focusing on something but call him. Alright. Listen, if we have, if we consolidated this almost 14% loan, build all our debt back up because we didn't change your behavior. And you haven't done anything. What the are we doing? Uh, editors bleep his name.

• 40:08Speaker 03

  If he is.

• 40:09Caleb Hammer?

  My guy, I, I just have to talk to you for a second. Okay. The thing is, your girlfriend here, who we are calling Iris, um, and you're anonymous. You guys had a pretty rough conversation months and months and months ago. How she finally accepted what she's been hiding to herself, hiding from you, hiding from her parents, about how much debt she was in, so that she could finally confront it. Right? Isn't that how that conversation went? She wanted to finally expose it so she could fix it. Yes. And she wanted to fix it for you because you guys are like, you know, we are ready to settle down. We, we should be forever people, right? Yes. Dude.

• 40:53Speaker 03

  God.

• 40:54Caleb Hammer?

  But this isn't even close to what has happened after that. All she did was acknowledge how much she debt she had. Then she didn't change her life. How much do you think she spent going out to eat alone last month? Just, just going out to eat, just going out to eat. We'll bring it in 3100. Just going out to eat. I have no idea. What would you guess? God.

• 41:12Speaker 04

  Uh, five hundred?

• 41:15Caleb Hammer?

  So that would, you know, changing her behavior, changing her behavior would be cutting back a little, learning how to budget, acting like a adult and having conversations about her money. Hey. If she wanted to settle down and actually be with you. Well, she spent a thousand dollars on going out to eat last month, over a thousand dollars going out to eat.

• 41:35Caleb Hammer?

  She spent a third of her previous income before her new job going out to eat last month. Month after having, months after having conversations about how she wants to fix things.

• 41:46Speaker 04

  Yeah, I have no idea about that. Um, I have not been that much into her personal finances. I just know that she has been, has been putting together budgets. I didn't, wasn't sure if she'd been following them.

• 41:58Caleb Hammer?

  No, she probably right, because this is what she does. This is what she has tried to form as a W in this entire conversation, is that because she thinks about her debt, because, oh, I acknowledge that my debt exists. She comes out as the win. That's it. It's like thinking, oh, I'm fat. I should go on a diet. And then that's the win. No, you actually have to do the thing. She doesn't do the thing. She never does any action. She does the thought. She does the thought of the budget. She makes a budget, then she doesn't follow it. And this is with, I'm assuming you pay for a lot of extra dinners on top of this, right?

• 42:30Speaker 04

  I wouldn't say a lot, but yeah, we go out once in a while.

• 42:32Caleb Hammer?

  Well, there you go. And then she blows a thousand dollars going out to eat. Miscellaneous bullshit, miscellaneous bullshit. This could be random things. This could be stopping in, getting in an energy drink. This could be, who knows? It could be a video game. I don't see her as a gamer, but who knows? It could be that kind of stuff. Miscellaneous bullshit. That is an additional one thousand two hundred dollars. So minimum spent before we even go into other categories and see what might be bullshit. Minimum spent, minimum spent on bullshit, minimum spent on bullshit last month alone is two thousand two hundred dollars. She brings in before her most recent job, but at the time of this job, three thousand one hundred dollars. Bullshit, two thousand two hundred, minimum, minimum.

• 43:16Speaker 04

  Jeez.

• 43:16Caleb Hammer?

  Is this not upsetting because you guys had this awakening conversation months ago, months ago?

• 43:24Speaker 04

  No, it is upsetting. Um, you know, I didn't know. I had no idea that, um, she wasn't following the budgets. I just, she's just been talking about making them.

• 43:31Caleb Hammer?

  Oh, well, mommy and daddy comes in and pays for the bills. You know, when she doesn't fix this behavior and mommy and daddy all of a sudden become husband and wife, as in you and her. You know, all of a sudden you become the person that pays all her bills and all her mistakes and bails her out every second. You know that, right? This just gets transferred on to you.

• 43:53Speaker 04

  Yeah, I know how it works.

• 43:56Caleb Hammer?

  How does that make you feel?

• 43:58Speaker 04

  We haven't really talked about the whole, uh, being a parachute type thing because I know she has her parents for now, but, uh, it's frightening.

• 44:06Caleb Hammer?

  Yeah. You guys have talked about being forever people. What would be required to change? What would this be required to look like for you to even consider that? Because if I'm being completely honest right now, I'm gonna keep dating her. She doesn't seem like a bad person. Uh, horrible finances, spoiled little brat, absolutely. Um, but when I say marry her, not even close, I would say run. What would have to change? What would this have to look like for you to nail down the relationship in a more marriage way?

• 44:38Speaker 04

  I'd have to know that she's following the budgets that she's making, more than just thinking about it and actually putting in the action.

• 44:45Caleb Hammer?

  What would you want those budgets to look like?

• 44:48Speaker 04

  I don't know. That's, the numbers are something that I definitely haven't thought of and not something that I can throw out willy nilly right now. But, um, I would definitely say, because I know this is something that's been stressing her out a lot lately too. Um, and obviously that's not good for a relationship as a whole.

• 45:03Caleb Hammer?

  No.

• 45:05Speaker 04

  Yeah, I think it would be good for everybody and. Yeah, I don't know. If she, if she agrees, I'd definitely be happy to be more involved in things, but.

• 45:14Caleb Hammer?

  Is it acceptable for, is it acceptable for one's partner to be stressed about something and put that stress and then make the other person feel stressed because of that, but the thing that is causing.

• 45:26Speaker 03

  Are you trying to ruin my relationship right now?

• 45:28Caleb Hammer?

  The person that, the thing that is causing that person's stress is not being.

• 45:33Speaker 01

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• 46:02Caleb Hammer?

  Change in any way whatsoever. Is it fair that she puts that stress on you, but doesn't change anything that creates the stress?

• 46:07Speaker 04

  No, no, not when it's, not when it's something that's, happens over a long period of time and it's a behavior that's not changing.

• 46:13Caleb Hammer?

  Yeah, it's unacceptable. It's unacceptable. All will not even have it to take care of her car bills and other bills. Cause of mommy and daddy.

• 46:21Speaker 04

  Yeah.

• 46:22Speaker 03

  It's not my fault I'm loved.

• 46:23Caleb Hammer?

  You're enabled. You're spoiled.

• 46:25Speaker 03

  I'm loved.

• 46:26Caleb Hammer?

  You're loved. You're well loved, but they are not actually treating you with proper love, love that will benefit you in the end. I'll call the parents in the post show, but I'll let the boyfriend go for now.

• 46:39Speaker 03

  You trying to ruin my relationship, Caleb?

• 46:40Caleb Hammer?

  No, I'm trying to fix it by you getting your shit together so that it's not transferred to him when you guys become married, if he even allows marriage.

• 46:47Speaker 03

  Haven't.

• 46:47Caleb Hammer?

  And I want to get you guys to marriages. That's what you guys want to get to, but you're doing everything to go opposite of it. You're spending on bullshit minimum. What is it about 75% of your income? It's insanity on bullshit.

• 47:00Speaker 03

  Well, have a nicer tone with my mom. She's a very nice lady.

• 47:04Caleb Hammer?

  No. Any other thoughts to your boyfriend?

• 47:09Speaker 04

  No, I'm stopping my head. Uh, I'm glad she's having this conversation with someone.

• 47:14Caleb Hammer?

  If you guys find it allowable, be her accountability partner. You need to hold her feet to the fire because right now this is beyond unacceptable.

• 47:23Speaker 04

  Yeah. Yeah. It's something we'll talk about.

• 47:26Caleb Hammer?

  Good luck. Potentially run.

• 47:34Speaker 03

  Feel like you're trying to break me up Caleb.

• 47:37Caleb Hammer?

  That's kind of stupid, I'll be honest, but what's not is actually getting a checking account that gives you free money. Free money, we like free money. You can get up to $350 in bonus cash right now when you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch financial audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for Chime. Get that $350 right now in your checking account. If budgeting apps make you feel like [BLEEP], this is for you. Most people who struggle with budgeting are irresponsible. They care about their money, but they get overwhelmed every

• 48:20Caleb Hammer?

  time they look at it. They download an app, connect their accounts, and try tracking. But within a few days, it feels like a homework assignment they're failing. Too many categories, too many rules, too many red alerts screaming at them about what they did wrong. So, of course, they stopped opening it. Not because they don't care, but because it makes them feel worse. And here's what nobody talks about. The stress isn't coming from your spending, it's coming from having zero clarity in using tools that turn money into a failing grade. Have you ever thought, "I just want to know where my money's going without being judged for it"? You're not alone. That's exactly what we built Dollar Wise. If you want a calm and clearer way to see where your money is going, try Dollar Wise. Download the app today and get a three-day free trial.

• 49:05Caleb Hammer?

  No setup nightmare, no manual tracking, no pressure to be perfect. Just connect your accounts, see where your money's actually going, and decide if it works for you. Click below to download Dollar Wise and see if this helps you feel more in control without the stress. And if it's not a fit, cancel anytime. No, I want you guys to actually be able to get married. He's never gonna let you guys get there if you don't get this shit together and actually act like an adult for the first time in your life.

• 49:31Caleb Hammer?

  Like what the are we doing? Then you take out the personal loan and then you fuck it all up again?

• 49:36Speaker 03

  Take out the personal loan, rack up all the debt again.

• 49:41Caleb Hammer?

  Uh huh. And then last month alone, 2,200.

• 49:46Speaker 03

  There's no.

• 49:47Caleb Hammer?

  Minimum, minimum, minimum, minimum on bullshit. Minimum, minimum, not even a question, no way. Fuck you, it's there, look at the chart. You can read, you went to theater school.

• 49:57Speaker 03

  I can read.

• 49:58Caleb Hammer?

  Capital one, 5,576 dollars and 67 cents. Minimum monthly payment, 184. What is going on with this? Cause that's an insanity of a balance, insanity.

• 50:12Speaker 03

  Yeah, so that credit card I've had since I was 18 years old. And I genuinely don't remember the last time I didn't carry a balance on it.

• 50:20Caleb Hammer?

  Um, yeah, that's what happens when you spend literally triple what you put towards it. You put the minimum payment towards it and you spent 632 dollars, 11 cents. Well, 128 dollars and 34 cents of interest accrued. It is borderline, it is almost maxed out. It is accruing interest. You can't pay it off to save your life, yet you spend over 600 dollars on it. Why possibly, why the?

• 50:44Speaker 03

  Cause there were things I wanted to do and.

• 50:47Caleb Hammer?

  More than marriage.

• 50:54Speaker 03

  It's a tough one.

• 50:55Caleb Hammer?

  Oh, boyfriend, you should have heard that.

• 50:57Speaker 03

  It's a tough one because it's hard to.

• 51:01Caleb Hammer?

  Boyfriend, just to let you know, James Grill is much more important than you, than your future.

• 51:06Speaker 03

  I was actually with him.

• 51:07Caleb Hammer?

  Well, you still chose it, you spent the money. You're choosing that because he is not getting married until you fix this shit.

• 51:14Speaker 03

  It's not, it's not, it's not.

• 51:16Caleb Hammer?

  You don't fix this shit by spending 200 dollars on James Grill.

• 51:19Speaker 03

  It's not more important than marriage to me.

• 51:22Caleb Hammer?

  Yet you do it instead of actually fixing the thing that is going to allow you guys to get married. That was suggested is more important to you through the behavior of it being more important to you.

• 51:32Speaker 03

  It's just anything that I didn't have in my checking account that was over fifty dollars, I put on a credit card.

• 51:38Caleb Hammer?

  Why? What's the logic?

• 51:39Speaker 03

  That was just my rule for-

• 51:41Caleb Hammer?

  Your rule?

• 51:42Speaker 03

  That was just my like mental rule that I had. Like if I didn't have the money in my account and it was over fifty dollars, I just put it on a credit card and I didn't think about it.

• 51:50Caleb Hammer?

  Okay. And the logic behind it is that helps you?

• 51:56Speaker 03

  Uh, doesn't come out of my checking account, so it just didn't seem-

• 52:01Caleb Hammer?

  Checking account, so that's what matters?

• 52:03Speaker 03

  That's the number-

• 52:04Caleb Hammer?

  Credit cards don't matter. Then you're not a credit card person.

• 52:09Caleb Hammer?

  Not even close. If you, if literally if your logic is as long as it's not coming out of my checking account, if it's being added to a credit card, it's okay?

• 52:15Speaker 03

  I mean, yeah, that's what I thought. That was, I mean, that's what I think.

• 52:20Caleb Hammer?

  I was gonna say, cause you again spent triple what you put towards it in terms of payment.

• 52:23Speaker 03

  I, credit cards, it doesn't, it's not as quick, it's not as, I don't wanna say real. I mean, I guess it's not, it's not as real, it's not as quick coming out.

• 52:33Caleb Hammer?

  It's affecting your credit, interest is accruing, it's [bleep] you.

• 52:38Speaker 03

  It is.

• 52:38Caleb Hammer?

  How long does this take to pay off if you make minimum monthly payments only and don't purchase, of which you're incapable of?

• 52:44Speaker 03

  Nineteen years?

• 52:45Caleb Hammer?

  Twenty-two years.

• 52:45Speaker 03

  Twenty-two.

• 52:46Caleb Hammer?

  Twenty-two years and yet you still won't be married. How does that sound?

• 52:51Speaker 03

  Not great.

• 52:52Caleb Hammer?

  Well, that's where you're literally headed.

• 52:54Speaker 03

  The credit cards were just what I was using, I mean-

• 52:56Caleb Hammer?

  Also, the lady who always pays her bills has had a late fee this year.

• 53:01Caleb Hammer?

  Every [bleep] time, ladies and gentlemen.

• 53:03Speaker 03

  There's a late-

• 53:03Caleb Hammer?

  Oh, every [bleep] time. What is wrong with, what is wrong with people like you?

• 53:08Speaker 03

  No, I know I had a late fee on there in twenty twenty-one, one time.

• 53:12Caleb Hammer?

  No, you had a late fee this year, one time.

• 53:16Speaker 03

  Then I didn't know about that, cause I didn't-

• 53:18Caleb Hammer?

  No shit. This is so interesting that those who are the most confident that they're never late are the ones that I know for a fact will have a late fee.

• 53:28Speaker 03

  I genuinely

• 53:29Caleb Hammer?

  What's wrong with you?

• 53:30Speaker 03

  I genuinely didn't know.

• 53:31Caleb Hammer?

  I know.

• 53:33Speaker 03

  Cause I know there was a time in 2021 that I didn't pay that bill once.

• 53:37Caleb Hammer?

  I don't give a about four years ago. It's 2025 and you've had a late fee this year.

• 53:41Speaker 03

  Does it say when?

• 53:42Caleb Hammer?

  This year.

• 53:43Speaker 03

  Does it say when this year?

• 53:44Caleb Hammer?

  No, but it's year to date.

• 53:46Speaker 03

  Okay. What was the amount?

• 53:49Caleb Hammer?

  29. It's a late fee.

• 53:50Speaker 03

  29.

• 53:51Caleb Hammer?

  Listen, on here, wix.com, James Grill, McDonald's, the nugs, more important than you boyfriend, by the way, winning got some bullshit, thrift shore, smoking vaping.

• 54:08Speaker 03

  Okay, so that is Delta 8 gummies. I don't, I do not smoke, I do not vape. I used to.

• 54:17Caleb Hammer?

  You edible.

• 54:17Speaker 03

  I quit two years ago.

• 54:19Caleb Hammer?

  But I mean, oh, you just purchased that?

• 54:22Speaker 03

  No, no, no, no, no, nicotine. I used to smoke cigarettes.

• 54:24Caleb Hammer?

  But you're doing edibles.

• 54:26Speaker 03

  Well, cause those, those specific gummies are legal in South Carolina and that's the only.

• 54:30Caleb Hammer?

  Legal. Well, I don't, I don't know about Delta A specifically, but you know, listen, I was, um, I'm still okay with weed, but I was actually much more pro, pro, like a decade ago when studies were first getting started. We didn't really see negative things. Now, pretty much any study that comes out over the past five years or so, shows that really it's, it's not great. It limits your absolute development all the way through like your entire twenties and lower, increases your risk for many cancers. There's much more dependency than people are willing to acknowledge. It's not dependency as in like you get.

• 55:02Speaker 00

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• 55:27Caleb Hammer?

  I'll say you're gonna feel like horrible headaches or itches or, you know, shakes or anything, but you will feel down for a while if you are on this on a daily basis.

• 55:34Speaker 03

  I'm not on it on a daily basis. I.

• 55:36Caleb Hammer?

  Just for a little fun here and there, I'm okay with it.

• 55:39Speaker 03

  It's every now and again, I don't drink very often. So that's kind of my, I will, when I go out with my friends.

• 55:47Caleb Hammer?

  Chili's, Spotify, Uber, McDonald's, CNBC.

• 55:54Caleb Hammer?

  $25 for CNBC. What are you doing?

• 55:59Speaker 03

  I couldn't even tell you what that is.

• 56:00Caleb Hammer?

  I can. It's CNBC. You know what CNBC is? The news? Financial news? Dude, you have a subscription to CNBC and you don't even know it.

• 56:12Speaker 03

  Nope.

• 56:12Caleb Hammer?

  What is wrong with you?

• 56:13Speaker 03

  Yeah, I'm sitting here. I'm trying to think. I'm like trying to rack my brain. I...

• 56:18Caleb Hammer?

  Uh huh. Yeah, over $1,100 has gone to interest this year so far.

• 56:24Speaker 03

  Damn.

• 56:24Caleb Hammer?

  On this card alone. So for example, of this year, an entire third of a month that you worked went to just paying the interest on this. By the end of the year, a half of a month that you will have worked this year only went to the interest on this card alone.

• 56:44Caleb Hammer?

  I guess CNBC has stores in the airports like convenience things.

• 56:48Speaker 03

  Yes, okay, okay. That makes more sense.

• 56:50Caleb Hammer?

  A few newspapers, maybe.

• 56:51Speaker 03

  No, so that would have been, so this, I went back home to Chicago to see my family. That would have been at the airport. That's why I was...

• 57:00Caleb Hammer?

  Bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit. Get on your phone.

• 57:05Speaker 03

  What am I getting?

• 57:06Caleb Hammer?

  At the airport, dumbass!

• 57:08Speaker 03

  Sorry.

• 57:08Caleb Hammer?

  You don't need entertainment while you're there. From South Carolina to Chicago.

• 57:13Speaker 03

  I'm assuming, I'm assuming that was something...

• 57:15Caleb Hammer?

  You're paying for Spotify.

• 57:16Speaker 03

  I'm assuming that was like grabbing food at the airport.

• 57:19Caleb Hammer?

  It was dumbass.

• 57:22Speaker 03

  I'm assuming that it was...

• 57:22Caleb Hammer?

  Also, you went to Chicago for back-to-back concerts, let's be honest.

• 57:26Speaker 03

  I did.

• 57:28Caleb Hammer?

  So fuck off, family.

• 57:29Speaker 03

  I did go to see, I, I, okay.

• 57:33Caleb Hammer?

  Uh huh.

• 57:34Speaker 03

  So my mom bought the tickets for us to go see this concert and I decided that I was just gonna make a trip out of it because why not?

• 57:41Caleb Hammer?

  And go for another concert.

• 57:43Speaker 03

  I did see another concert while I was there. I went to, we went to see a baseball game. I went to my, one of my friends is in a band. I went and saw her gig. We went to the Renaissance Fair. We just made a whole, like, six-day-long trip out of it off of the fact that my mom got us tickets to go see, we went to go see the Goo Goo Dolls.

• 58:04Caleb Hammer?

  Half a month of your work just for this interest rate?

• 58:09Caleb Hammer?

  And this weekend, you're gonna go see Renee rap.

• 58:11Speaker 03

  I am.

• 58:11Caleb Hammer?

  Fuck you.

• 58:12Speaker 03

  I'm going, I've drive to Atlanta on Friday.

• 58:15Caleb Hammer?

  You can't afford dick. You can't afford anything.

• 58:18Speaker 03

  I already paid for it, so it.

• 58:20Caleb Hammer?

  Yeah, you'll get food, you'll get gas, you'll get bullshit. Come on.

• 58:23Speaker 03

  But it's already paid for.

• 58:24Caleb Hammer?

  Merch, not everything.

• 58:26Speaker 03

  Feels like it is.

• 58:27Caleb Hammer?

  But that's not how math works, like.

• 58:30Speaker 03

  I mean, the like Verbo's paid for, the concerts paid for.

• 58:34Caleb Hammer?

  Yes, I know, but not everything you're gonna do well there and not to get there, get back. Or a hotel, which you'll probably do.

• 58:40Speaker 03

  I won't get a hotel. We already have accommodations. That's paid for.

• 58:44Caleb Hammer?

  How much did you spend?

• 58:45Speaker 03

  Uh, it was

• 58:48Speaker 03

  two?

• 58:49Caleb Hammer?

  Hundred, thousand? And that's more important than your boyfriend?

• 58:52Speaker 03

  No, it isn't.

• 58:53Caleb Hammer?

  Okay, well, it clearly is through your behavior. This is at a 28.96% interest rate of death, of insanity, of stupid.

• 59:02Caleb Hammer?

  Accommodations aren't free. You still spent money on that. I assume Airbnb, Airbnb of friends.

• 59:07Speaker 03

  Verbo.

• 59:08Caleb Hammer?

  There you go. That's not free.

• 59:11Speaker 03

  No. I mean.

• 59:12Caleb Hammer?

  No!

• 59:13Speaker 03

  No, it's not.

• 59:14Caleb Hammer?

  United. Oh, we know you like to travel and flying bullshit and insanity. Oh, she spent over three, no, she spent about three times that she put towards it again. That's wonderful. She made her minimum payment and she spent $848.09. What is wrong with you? What the fuck are we doing? Again, you say you want this wedding, yet you then just go and do this. Last month. What are you doing?

• 59:39Speaker 03

  So I opened.

• 59:39Caleb Hammer?

  What's going on with this card?

• 59:40Speaker 03

  So I opened this card earlier this year.

• 59:42Caleb Hammer?

  Earlier this year? It says $7,491.29 in your income. That is disgusting.

• 59:50Speaker 03

  Yeah, so I opened that mainly because I knew that I was gonna be flying to and from Chicago a couple of times.

• 1:00:00Speaker 03

  The O'Hare is the hub, is one of the hubs for United. So I fly United mostly. They have direct flights from Charleston to Chicago. So it made sense at the time. When I opened it, I got a statement credit. And then in order to get like the mileage rewards on it, I had to spend, I think it was like 3,500 to 4,000.

• 1:00:21Caleb Hammer?

  You can't spend money, though. That doesn't make any sense. See, you're not a credit card person. You cannot manage credit cards. Sign up bonuses make no sense for you. Cause now this is accruing interest and being ridiculous. I mean, if you paid off immediately, you get your bonus. It's so stupid. You can get the Fizz card. There you go. You can do that. debit card that builds credit. So you get all the rewards, you get the benefits, but it only lets you spend it in your checking account, which we know you're incapable of following that rule. So it at least forces you to. And also while we're at it, I mean, if you decide, oh no, I don't make enough money as an elementary school teacher in South Carolina, which you'll probably decide at some point, if you want like a career outside of that, I'll get you a course, career certification. A lot of people in our audience have used it. A lot of guests, they've boosted their income. They've gotten better jobs. You can get that for free. So

• 1:01:05Caleb Hammer?

  just let us know when you're ready for that. But I mean, this is insanity. 19 years to pay this off. You're not a credit card person at all. Sign up bonuses, fuck you. You can't pay off the cards.

• 1:01:14Speaker 03

  I mean, it just, the signup bonuses.

• 1:01:19Caleb Hammer?

  Yeah? What about them?

• 1:01:21Speaker 03

  I told you, I have impulse control issues. So I think to myself, the signup bonus, I'm like, okay, that makes sense. And then it just builds and builds and builds. And then I look back and I'm like, how the hell did I spend $7,000? But I bought flights. I bought my concert tickets on there. You know, some of the, one of the purchases on there is one of the, is the Renee Rapp concert that we're going to this weekend.

• 1:01:44Caleb Hammer?

  For sake, so you just did it. So it's already paid for. It just happened.

• 1:01:48Speaker 03

  No, uh, I bought the tickets a while ago, but you're gonna hate this. I didn't realize, so there's a way that you can do it on the United card, where it's like, it's an interest-free payment installment. And I didn't know what it was. So for the Renee Rapp tickets, I ended up clicking it because I was interested in what it was. And so it has an interest savings balance that it charges. So it doesn't charge the interest on the tickets, but it also charges a fee.

• 1:02:19Caleb Hammer?

  Yeah, a monthly fee of 727 a month.

• 1:02:23Speaker 03

  Yeah, yeah.

• 1:02:24Caleb Hammer?

  Stupid.

• 1:02:25Speaker 03

  I knew that that one was gonna.

• 1:02:26Caleb Hammer?

  Also getting food at Chinese China Master Domino's going in and getting some bullshit. The Charleston Nail Spa. By the way, it ain't cheap. It's sixty-one bucks, twenty cents.

• 1:02:37Speaker 03

  Hey, these nails.

• 1:02:38Caleb Hammer?

  Island Cabana, Audible, go to the library. I know there's one in Charleston. It's a city that exists. Amazon, U A Infilte.

• 1:02:49Speaker 03

  That's uh, that's wifi on the plane. I, I.

• 1:02:52Caleb Hammer?

  You, you, you, download shit, download shit. Don't be a dick. Download shit, download shit, you dick.

• 1:02:57Speaker 03

  That's so I can do school.

• 1:02:58Caleb Hammer?

  Fuck your school. Download shit.

• 1:03:00Speaker 03

  I'm paying nine thousand dollars a year for that.

• 1:03:02Caleb Hammer?

  Do it before and after.

• 1:03:03Speaker 03

  I do, I, I do my school on the plane. I, I buy the wifi so that I can do school.

• 1:03:09Caleb Hammer?

  Fly. Oh, so I actually have time to do school. Fuck you.

• 1:03:11Speaker 03

  That's not an excuse to fly. I'm just saying.

• 1:03:13Caleb Hammer?

  Fuck you.

• 1:03:13Speaker 03

  Okay.

• 1:03:14Caleb Hammer?

  Bola Ro, Hudson News, more news we're paying for.

• 1:03:18Speaker 03

  That's the airport.

• 1:03:19Caleb Hammer?

  Uh huh. James Island, there's more inflate wifi. Cooper Shock.

• 1:03:27Speaker 03

  Cooper Shock.

• 1:03:28Caleb Hammer?

  Alani, Alani, the Alani energy drink? That's so stupid. This makes no sense.

• 1:03:34Speaker 03

  They just, okay.

• 1:03:35Caleb Hammer?

  It's stupid. Here's the thing. Here, here, free sample, free sample. Make this with water. This is the uh, Gigi energy drink.

• 1:03:44Speaker 03

  They came out with their witch's brew.

• 1:03:45Caleb Hammer?

  Oh wait, this was just used. Uh.

• 1:03:48Speaker 03

  Oh my god, an empty piece of plastic. You must really love me.

• 1:03:50Caleb Hammer?

  That one has free samples. You can get your free samples of this. But instead of this fucking dumbass bullshit, and I get, but they have comparable flavors and everything.

• 1:03:57Speaker 03

  They came out with, they had the witch's brew.

• 1:03:59Caleb Hammer?

  Stop, stop, stop. We just did a blind taste test on this. This is, I swear, it is just as good if not better. The thing is, you can make your energy drinks at home with the powder and it is twenty-five cents a serving. Instead of blowing, you're on like four dollars, five dollars a serving. You get it? Gamersubs.Gigi, use code Hammer, Caleb or Hammer. Caleb, for your free samples, test out which flavors you want, then you get 10% off with my link. 25 cents a serving, plus 10% discount. It's like making your coffee at home. Dude, you gotta do this. No more, you cannot afford these one-off energy drinks. Make your energy drinks at home. I will give you so many free samples. Just make them at home. The flavors are just as good. I swear. They're fucking awesome.

• 1:04:40Speaker 03

  Have you ever had the witch's brew from the Lani?

• 1:04:42Caleb Hammer?

  Absolutely. Yes.

• 1:04:44Speaker 03

  It's not as good.

• 1:04:45Caleb Hammer?

  No, you don't know. You haven't tested it, you dick.

• 1:04:47Speaker 03

  I just know.

• 1:04:48Caleb Hammer?

  No, we did the blind taste test. Gamer Subs is incredible.

• 1:04:52Speaker 03

  Do they have like a caramel apple flavor?

• 1:04:54Caleb Hammer?

  Gamer Subs is incredible. Review all their flavors.

• 1:04:56Speaker 03

  Okay. Just saying.

• 1:04:58Caleb Hammer?

  Dude, 25 cents a serving, make your energy drinks at home. I don't understand this. It makes no sense.

• 1:05:02Speaker 03

  That's what it is. I'm just telling you.

• 1:05:03Caleb Hammer?

  Just like coffee, make them at home. It's so stupid.

• 1:05:08Speaker 03

  I do have an espresso.

• 1:05:09Caleb Hammer?

  More James Island and McDonald's and, yeah, you're getting fees for that thing.

• 1:05:16Caleb Hammer?

  And then $500 of interest is here.

• 1:05:20Caleb Hammer?

  It's ridiculous. Instead of 27.99% interest rate.

• 1:05:24Speaker 03

  Yeah. I mean, I do, I do make my coffee at home for the most part. I do have an espresso machine. Uh, there was a little bit of time that I was out of my Nespresso pods, so I was going to Starbucks.

• 1:05:35Caleb Hammer?

  It's kind of expensive anyway. Like, I would rather you, well, it's not that you can afford it now, but maybe get gifted an es- an actual espresso machine. It is so much cheaper. The Nespresso pods are, they don't taste as good and they're more expensive.

• 1:05:48Speaker 03

  $1.25 a serving.

• 1:05:49Caleb Hammer?

  Exactly. That's, that's insane.

• 1:05:52Speaker 03

  They're good.

• 1:05:52Caleb Hammer?

  Yeah, so is espresso. Espresso.

• 1:05:57Speaker 03

  Espresso?

• 1:05:58Caleb Hammer?

  Yeah.

• 1:05:59Speaker 03

  At least you don't put an X in the word.

• 1:06:01Caleb Hammer?

  No.

• 1:06:02Speaker 03

  No, my boyfriend.

• 1:06:02Caleb Hammer?

  That's what I make every morning, espresso.

• 1:06:04Speaker 03

  My boyfriend puts an X in the word and I.

• 1:06:05Caleb Hammer?

  I make espresso and I, uh, froth some milk, latte. Boom, cheap. And it's good.

• 1:06:10Speaker 03

  So I do, I do for, sometimes make my coffee at home, but whenever I'm out of my pods, it's an expensive thing to.

• 1:06:17Caleb Hammer?

  And you go to Starbucks, literally the worst coffee you can get outside of 7-Eleven. Like, what are you doing? What is wrong with you? You're in a city. Shut the fuck up. Pull up your Amazon for me and start a screen recording.

• 1:06:27Speaker 03

  Okay.

• 1:06:28Caleb Hammer?

  That's at a 27.99% interest rate. That's right.

• 1:06:31Speaker 03

  Alrighty.

• 1:06:33Speaker 03

  I'm on it.

• 1:06:35Caleb Hammer?

  Give? Give?

• 1:06:37Speaker 03

  Let me, I'm just going-

• 1:06:38Caleb Hammer?

  Give? Give!

• 1:06:40Speaker 03

  You can say please!

• 1:06:41Caleb Hammer?

  No! Blackout private information. Screen recording good. What, were you afraid?

• 1:06:48Speaker 03

  A little.

• 1:06:49Caleb Hammer?

  What would you be embarrassed of?

• 1:06:50Speaker 03

  Um... You saying how much I spend on Amazon?

• 1:06:54Caleb Hammer?

  Well, yeah.

• 1:06:55Speaker 03

  That's the thing that I'm nervous about.

• 1:06:56Caleb Hammer?

  Oh, you got some high boots. Don't need that. I'm sure you have clothes. You got clothes, clothes. I'm sure you have that clothes, clothes. I'm sure you already have clothes. Knee pain relief, that thing's okay.

• 1:07:04Speaker 03

  I did get that.

• 1:07:05Caleb Hammer?

  Bracelets, I'm sure you didn't need them. Pens, um, it's not the absolute worst. This is just going back to like the last month. My goodness. Cash clusters kit? Lash clusters kit? Better than going to get your lashes done.

• 1:07:16Speaker 03

  I do my lashes at home.

• 1:07:16Caleb Hammer?

  But all this clothes and bullshit and insanity and the boots and the bracelets, you do not need and it's so fucking stupid. What's in the cart right now? Got a dress for 50 bucks in the cart. Don't! Don't!

• 1:07:29Speaker 03

  Okay. It's this dress, but in pink.

• 1:07:31Caleb Hammer?

  I'm going through TikTok shop now.

• 1:07:32Speaker 03

  It's, okay, but this dress is amazing and it's this dress in pink.

• 1:07:35Caleb Hammer?

  Shut the fuck up. I don't care.

• 1:07:36Speaker 03

  I don't think I've purchased anything on TikTok shop in a while.

• 1:07:41Caleb Hammer?

  Uh-oh, let's see what a while is. I'm here to confirm.

• 1:07:45Speaker 03

  I think the last thing I got might have, okay.

• 1:07:49Caleb Hammer?

  A shower head?

• 1:07:51Speaker 03

  Oh, I did buy my shower head off TikTok shop.

• 1:07:53Caleb Hammer?

  Some gummies or nutrition bullshit, some packets of Hello packets and-

• 1:07:59Speaker 03

  The Nell-O.

• 1:07:59Caleb Hammer?

  Bullshit, bullshit, bullshit, bullshit. Bags, pants, dresses, more shower heads. You returned that one. You got a bag, you got nutrition, you know, powder crap. Uh, snowy thing? It's all bullshit. It's all fucking stupid. No wonder you think my TP funds ridiculous, because your spending in that category is ridiculous. By choice, by fun, by fuck you.

• 1:08:25Caleb Hammer?

  Okay, Bank of America. Cruise, celebrity cruise?

• 1:08:28Speaker 03

  Yes, it's a, it's a travel card for cruising.

• 1:08:32Caleb Hammer?

  Two double travel cards, why? Well, you can't afford life, you can't even pay off your debt. Why are you thinking of even getting cards in the travel space in general? That doesn't make any fucking sense.

• 1:08:40Speaker 03

  So that one I got a couple of years ago, and...

• 1:08:43Caleb Hammer?

  Also probably stupid.

• 1:08:45Speaker 03

  I was going on a cruise with my mom, and she got one too, we just wanted to have the,

• 1:08:55Speaker 03

  like onboard credit that you get for purchasing on it, so... I got that card, opened it, and I don't spend on that one anymore.

• 1:09:05Caleb Hammer?

  Yeah, I don't see spending right here, but you're only making the minimum monthly... Well, it was a couple dollars higher, which makes no sense. I don't understand the strategy of a couple dollars higher and a few cards, but making like no pro... Like, what? That's not a method.

• 1:09:18Speaker 03

  I have so...

• 1:09:19Caleb Hammer?

  That's not any method that anyone uses.

• 1:09:20Speaker 03

  It's not, it's not meant to be a method, I have...

• 1:09:21Caleb Hammer?

  What the fuck are you doing?

• 1:09:22Speaker 03

  I have enough, I have enough payment, monthly payments on my credit cards that I...

• 1:09:28Caleb Hammer?

  Spend more than you make then.

• 1:09:30Speaker 03

  What?

• 1:09:31Caleb Hammer?

  Spend more than you make.

• 1:09:32Speaker 03

  I do. So my, the monthly credit card payments that I have, when you add all of them together and the personal loan that I pay, minimum payments is about all I can do, so I just do a...

• 1:09:47Caleb Hammer?

  No shit, and then you spend even more than the minimum monthly payments on the card? So it doesn't, you're not doing anything.

• 1:09:52Speaker 03

  Well, you just asked what the strategy was, I'm just telling you that I...

• 1:09:54Caleb Hammer?

  The strategy is to spend more money than you put towards them. This, even with your little extra payment, is still gonna take five and a half years to pay off. Five and a half years, five and a half years, no marriage! Cause why would he? That's your method.

• 1:10:10Caleb Hammer?

  That's your method, is no marriage.

• 1:10:13Speaker 03

  That's, okay, so I...

• 1:10:14Caleb Hammer?

  It is.

• 1:10:16Speaker 03

  Part of...

• 1:10:17Caleb Hammer?

  Had a late fee this year so far, is that your method? Late fee, uh-oh, another one, didn't know that happened. There it is. $258 of interest this year. Almost a full month of work. Completely gone with interest across everything we've looked at so far, including the personal loan.

• 1:10:32Speaker 03

  So with that credit card specific, or with all of my credit cards, I guess. Like, yeah, I end up spending more than I make. There are a few different things that I like. Obviously, like I go and I get my hair done, I go and get my nails done. I do those things. There are a couple of things that I collect in general that I buy.

• 1:10:51Caleb Hammer?

  You're collecting? Collect husbands.

• 1:10:55Speaker 03

  I don't know if my boyfriend would appreciate that.

• 1:10:58Caleb Hammer?

  Yeah, you stop at one.

• 1:10:59Speaker 03

  Collect one.

• 1:10:59Caleb Hammer?

  Maybe that's what you're trying to do.

• 1:11:01Speaker 03

  Collect a single one.

• 1:11:02Caleb Hammer?

  Your hobbies are more important. What are you collecting?

• 1:11:04Speaker 03

  I collect two things. I collect swords.

• 1:11:08Caleb Hammer?

  If you want to land a high paying job, but don't have experience or a degree, then you need to learn about course careers. It is the easiest way to land the high paying career that you've been dreaming of. I've done financial audits for hundreds of people. And what I've learned is that the single biggest factor someone can take to improve their life is getting a higher paying job. And that is why I've been such a huge promoter and even an investor in course careers. The way it works is you simply go through an affordable online course to start a new high paying career path. They teach many different in-demand jobs ranging from technology sales to accounting, construction project management, the trades like electrician, plumbing, HVAC, supply chain, and many others that can be done remotely. And the coolest part about course careers is their platform works for people who don't

• 1:11:52Caleb Hammer?

  have any previous experience or degrees. Their courses teach you everything you need to know to land your first entry level job. And they have a 100% free introductory course for each career that teaches you all about what the job is like, how much money you'd make, and how exactly to land your first job was starting from scratch. Click the link below to sign up for one of their free courses today. Starbucks is bull and a waste of money. And you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our. Hammer Elite Show, Fat and Fatter.

• 1:12:36Speaker 04

  The number one ranked energy drink is Gamersubs. Literally, the cherry flavor is insane.

• 1:12:42Caleb Hammer?

  Listen, you can also get free samples to see if you like it. Or 10% off your order at gamersubs.gg. Or click that link in the description below, type in code Caleb.

• 1:12:52Speaker 03

  I know, that one always gets a head turn. One of my, I studied, um, stage combat in college as my minor. And so I collect various-

• 1:13:02Caleb Hammer?

  You have no money. And how are you in a position where you can say you collect anything?

• 1:13:06Speaker 03

  And then the other thing I collect is, um, Jelly Cats.

• 1:13:10Caleb Hammer?

  What the is that? What even possibly is that?

• 1:13:13Speaker 03

  They are-

• 1:13:14Caleb Hammer?

  Show me. We'll put on screen.

• 1:13:17Speaker 03

  Okay. Um, I'll, I didn't want to bring my, I have one on my keychain that I didn't buy. My boyfriend bought for me, but I didn't want to bring him in because I knew you'd throw him.

• 1:13:28Caleb Hammer?

  Well, if you put it in my face, yes.

• 1:13:33Caleb Hammer?

  Why?

• 1:13:34Speaker 03

  His name is Nathan.

• 1:13:35Caleb Hammer?

  Why? Why are we spending money on this?

• 1:13:38Speaker 03

  I like them. They-

• 1:13:39Caleb Hammer?

  Why?

• 1:13:40Speaker 03

  Because I do, because I'm a girl, because they're cute, because they're soft.

• 1:13:43Caleb Hammer?

  Girl doesn't mean, that doesn't make sense. That's not how this works mathematically.

• 1:13:47Speaker 03

  So I have, uh, I think like 15 of them, just different ones.

• 1:13:51Caleb Hammer?

  What? How much are they?

• 1:13:52Speaker 03

  They're expensive. That one is, I think, like 25.

• 1:13:57Caleb Hammer?

  Oh, what are you doing?

• 1:13:58Speaker 03

  I didn't buy that one. That one was a gift, but I-

• 1:14:00Caleb Hammer?

  Again, basically, uh, like peanut looking versions of La Booboo's is more important.

• 1:14:06Speaker 03

  You have a La Booboo behind you.

• 1:14:07Caleb Hammer?

  Oh, yeah, I purchased it for content. It was, it goes again, it's a business expense. It works.

• 1:14:13Speaker 03

  Do you write it off?

• 1:14:14Caleb Hammer?

  Yeah, my CPA will figure that out.

• 1:14:16Speaker 03

  So the thing about the, about like Jelly Cats is, like, they're very-

• 1:14:23Caleb Hammer?

  Stupid and preventing you from getting married.

• 1:14:27Speaker 03

  A lot of people collect them, a lot of people want them. And so when they go in stock on the shop, they usually sell out.

• 1:14:33Caleb Hammer?

  Fads move so quick. People are already getting over the La Booboo's.

• 1:14:36Speaker 03

  I was never into the La Booboo's.

• 1:14:38Caleb Hammer?

  I don't care what you were into. People move in and out of things so quick. It's not Jelly Bean where people are into it for decades. Uh, Jelly, Beanie Babies, where people are into it for decades.

• 1:14:47Speaker 03

  Jelly Cat's been around a long time.

• 1:14:49Caleb Hammer?

  Yeah, and I don't hear about it. And I hear about people collecting shit all the time. Listen, this isn't going to go the way you think. Maybe it will for a second, but I don't know. And you're willing to pay late fees instead of, you're willing to have the Jelly Bellies instead of paying your bill on time? Because this is the second one this year so far. Jelly Bellies above that.

• 1:15:07Speaker 03

  Jelly Cat.

• 1:15:08Caleb Hammer?

  Jelly Cats above paying our bills. Jelly Cats above paying our debts. Jelly Cats instead of being free from our parents. Jelly Cats instead of marriage.

• 1:15:18Speaker 03

  I-

• 1:15:19Caleb Hammer?

  That's what you are choosing.

• 1:15:20Speaker 03

  I really like them. I, that's one of, that's one of the things that I-

• 1:15:25Caleb Hammer?

  Husband potentially in the future, if she's lucky, which...

• 1:15:30Caleb Hammer?

  You hear that? She really likes him.

• 1:15:33Speaker 03

  He's, he's bought me, he bought me that one. And then, so, he also-

• 1:15:38Caleb Hammer?

  You just bought a top of the line MacBook Pro for school. You don't need a MacBook Pro for school. The M4, M5, M3, M2, M1 chip MacBook Airs are incredible for school. You're not doing pro work. You're not rendering videos. You're not doing 3D shit. You're not doing, you're not processing AI GPU heavy requirements.

• 1:15:59Speaker 03

  No, but my degree is fully online, so how do you-

• 1:16:01Caleb Hammer?

  Yes, and the MacBook Airs are incredible. The new, the M-chip MacBook Pros are incredible.

• 1:16:07Speaker 03

  I think I had a-

• 1:16:07Caleb Hammer?

  Airs, airs, airs.

• 1:16:08Speaker 03

  I think I had a MacBook Air before.

• 1:16:10Caleb Hammer?

  Yes, but not, probably not an M-chip.

• 1:16:13Speaker 03

  Maybe not, but I had the, my previous computer I had for like six years.

• 1:16:16Caleb Hammer?

  Yeah, the Airs were not great before the M-chip. I'll be completely honest. It doesn't matter. Top of the line MacBook Pro? That's not even close. You're not a pro user. You're not. You don't do anything. You use Google Chrome.

• 1:16:28Speaker 03

  I need to be able to make sure that I-

• 1:16:31Caleb Hammer?

  Which you can without a top of the line MacBook Pro.

• 1:16:35Speaker 03

  Well, that's-

• 1:16:35Caleb Hammer?

  You can do anything you need to do. Tell me one thing you need to do that requires a pro machine.

• 1:16:39Speaker 03

  There's nothing that I specifically need to do.

• 1:16:41Caleb Hammer?

  There you go. Shut the f- up. How much did you spend on your MacBook Pro?

• 1:16:44Speaker 03

  My computer cost me $2,000. I think.

• 1:16:48Caleb Hammer?

  No, you could have easily gotten the $1,100 MacBook Air that I get employees on the- Lindsay uses her Air. Brandon has his Air right there. All of the non-video editors have Air and they can do everything on multiple displays.

• 1:17:02Speaker 03

  It might have been cheaper for being like a student discount, like go back to school.

• 1:17:07Caleb Hammer?

  Which means you got an even more computer than you should have if after the discount is a 2000 hour computer.

• 1:17:11Speaker 03

  But I think it was a $2,000.

• 1:17:13Caleb Hammer?

  Your computer would have been about 1,100 before discounts.

• 1:17:16Speaker 03

  I'm not totally positive.

• 1:17:18Caleb Hammer?

  Come on, that's all you need. And that's the 15 inch model versus the 13 Air.

• 1:17:23Speaker 03

  I mean, I had the, I had the MacBook Air prior to when I got my computer before.

• 1:17:28Caleb Hammer?

  But if you did any research or had any conversations with anyone, any of the people at the Apple stores, anything, you would have known that you could have got an M-chip MacBook Air. They're completely different machines.

• 1:17:38Speaker 03

  Was that a thing like you?

• 1:17:39Caleb Hammer?

  Yes! The Airs have been for a few years now, you tit.

• 1:17:43Speaker 03

  Why are we yelling?

• 1:17:44Caleb Hammer?

  Because you're a tit. You're spoiled and you think you need the top of the line. And you choose it over marriage, you choose it over paying your bills, sometimes you choose it over everything.

• 1:17:52Speaker 03

  I destroyed my last computer for being in school.

• 1:17:56Caleb Hammer?

  Intel tipped MacBook Air. No one gives a about those. No one would advocate for those. No one would advocate for the Intel chip MacBook Pros even.

• 1:18:04Speaker 03

  I don't even know what an M-chip is.

• 1:18:06Caleb Hammer?

  They're Mac's chip. What, what's it called? Like M1, M2, M3, M4? I think we're on to 5 or 6 now. You don't need anything more than that for what you do. You're a browser user. You're a browser.

• 1:18:17Speaker 03

  Well, I do use some studio editing stuff for whenever I film.

• 1:18:22Caleb Hammer?

  So the Airs can handle anything you're doing. I guarantee you. Guarantee what you're doing. A iPad can do what you're doing. Guaranteed.

• 1:18:29Speaker 03

  I do have an iPad for my undergrad that I use on occasion.

• 1:18:32Caleb Hammer?

  Die.

• 1:18:34Speaker 03

  I used to take my notes on that, but now I take them all just like on a notebook. It's just easier for me.

• 1:18:43Caleb Hammer?

  South Carolina Federal. Credit score 662, 664. Not grades, you know, in that range.

• 1:18:52Speaker 03

  My credit score's always been in like the, the good range. And so that's.

• 1:18:56Caleb Hammer?

  It's in the mid.

• 1:18:58Speaker 03

  Exactly. So that's why I was like, well, I don't need to worry about it.

• 1:19:01Caleb Hammer?

  Oh, student loan.

• 1:19:02Speaker 03

  Yeah.

• 1:19:03Caleb Hammer?

  Now, obviously deferred because you're in school.

• 1:19:07Speaker 03

  I've never paid on my student loans because when I graduated my undergrad, they were still being deferred by the government.

• 1:19:16Caleb Hammer?

  Yeah.

• 1:19:17Speaker 03

  And then by the time that-

• 1:19:19Caleb Hammer?

  You've been in a blessed period for these.

• 1:19:21Speaker 03

  Yeah, well, when I started, the year that I started was going to have to start paying my student loans back. I didn't make enough money, so I was on the income-driven repayment plan.

• 1:19:31Caleb Hammer?

  Yeah, which they're kind of-

• 1:19:34Speaker 03

  And then I went back to school. So I know that plan doesn't exist anymore, but then I went back to school.

• 1:19:39Caleb Hammer?

  It doesn't, but there are, there's the new RAP plan, which will start next year. That is the repayment assistance program sometime next summer.

• 1:19:47Caleb Hammer?

  With where your income will be,

• 1:19:51Caleb Hammer?

  you're likely, I'm, okay, what's the total amount you will have borrowed by the time you graduate grad school?

• 1:19:59Caleb Hammer?

  Because you're at forty-four thousand, six hundred ninety-eight right now.

• 1:20:03Speaker 03

  It'll probably be sixty to seventy, just in student loans. Well, because undergrad and graduate together, because a good amount of that is my undergrad.

• 1:20:17Caleb Hammer?

  Some of these, especially non-subsidized ones, like the interest rates aren't going to be the best that you're getting right now. Your minimum payment under RAP, I'm guessing, is gonna, you should be on like about an eight hundred dollar payment, but you'll probably be on about three, two, two hundred to three hundred on your income.

• 1:20:32Speaker 03

  The idea of paying my student loans back actually makes me sick to my stomach.

• 1:20:36Caleb Hammer?

  Why? You went and got a bullshit degree and now you're getting a master's degree that luckily is a relatively cheap master's online degree. But honestly, again, for something that won't be the highest income, just in that state at least.

• 1:20:47Speaker 03

  I know, it's just I haven't, I haven't ever paid on my student loans, so I just-

• 1:20:51Caleb Hammer?

  But it's a disgust to you. Like, oh, no, I got a service and product that I paid for.

• 1:20:58Caleb Hammer?

  And now I have to pay for it?

• 1:20:59Speaker 03

  I'm nervous to have to start adding that into my

• 1:21:03Caleb Hammer?

  Oh, that makes more sense.

• 1:21:04Speaker 03

  Into my stuff. I don't know. I know that it's going to not be the easiest transition.

• 1:21:13Caleb Hammer?

  Well, you'll have a little bit of time after graduation, but I mean, I mean, what's your income gonna be? Do we know?

• 1:21:20Speaker 03

  As a teacher?

• 1:21:21Caleb Hammer?

  What, what's your teacher gonna be? What, what are you doing exactly?

• 1:21:23Speaker 03

  Um, elementary school, so.

• 1:21:25Caleb Hammer?

  Just a random elementary school teacher.

• 1:21:27Speaker 03

  Yeah, I mean, I, I haven't. Like, I don't have a job offer anywhere because I'm not licensed yet.

• 1:21:33Caleb Hammer?

  No shit, I'm just, okay.

• 1:21:34Speaker 03

  The, the Schedule I salary for masters in the Charleston School County District starts at like 58? Something like that? At least that's what it was when I started my program. Uh, it might be slightly different now, but.

• 1:21:49Caleb Hammer?

  Let's find out because even, I mean, your payment might even be lower with that. Um, yeah, about 50. It starts at about 50 with someone, a master's degree, Charleston area. Um, new teacher, yeah.

• 1:22:01Speaker 03

  I know that there are like breaks with student loans for people that are in education. I don't know what they are.

• 1:22:11Caleb Hammer?

  What do you mean, breaks? Uh, are you, are student loan forgiveness?

• 1:22:14Speaker 03

  I don't know what.

• 1:22:15Caleb Hammer?

  Well, there are certain things if you work in certain school districts, which are pretty high demand these days. Um, because yeah, you work there for quite a few years and then your student loans get forgiven. You know, it's public student loan forgiveness.

• 1:22:27Speaker 03

  Something, something like that.

• 1:22:28Caleb Hammer?

  You have to go to like a special district for that where it's usually underserved.

• 1:22:31Speaker 03

  Well, there's a chance that I might go and teach in Illinois too. I'm planning on getting.

• 1:22:34Caleb Hammer?

  Those school districts is, are completely maxed out. I saw that online the other day. All the school districts that people wanted to do in Illinois that are those lower income, underserved communities that will have teachers have their student loans forgiven are all, are hired. They're hired. I mean, I'm sure there's openings here and there, but a lot of people go for it. I mean, median pay for a teacher's salary in the Charleston area is only 58, so you're not going to go up that much higher.

• 1:23:00Speaker 00

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• 1:23:24Caleb Hammer?

  From entry schoolers, it gets a little lower, 56,430. So your raise is, it's not even great. You start at almost where everyone is in their middle of their career, which is not a good sign. It's not a good sign.

• 1:23:36Speaker 03

  Yeah, there's not a whole lot of return on.

• 1:23:39Caleb Hammer?

  No, there isn't, which is why I'm confused that you're doing it. And the income situation that you're in, probably because you think, because you've never learned the respect for the dollar. You think mommy and daddy will always be there. You've lived a comfortable life. You're not worried about anything.

• 1:23:50Speaker 03

  I want to.

• 1:23:52Caleb Hammer?

  You're not worried. You've never had to be worried.

• 1:23:55Speaker 03

  Well, the thing with going into education is I, I like working with kids. I enjoy.

• 1:24:02Caleb Hammer?

  I understand the like, but you just don't understand what this goes. It, sorry, continue.

• 1:24:07Speaker 03

  Well, I, I like working with kids and I want to be able to have a career that offers me the kind of work-life balance that I want. And I, like, I want to be able to spend time with my family and travel and see my friends and, and go and do all of those things.

• 1:24:22Caleb Hammer?

  And I. Yeah, you'll get the summer, spring, winter break. I'm sure you'll love that. But the pay kind of comes with that. And the pay is you're not going to be living the lifestyle that you are used to. What's your income right now? What's your salary?

• 1:24:34Speaker 03

  60, right?

• 1:24:35Caleb Hammer?

  So you're taking a step down, first of all, and you're already over living your 60,000. You're probably living like an 80,000 hour lifestyle. And yet we're taking a 10,000 hour pay cut? And what in the world is this happening? Where's, sure, there's time to travel. Where's the money to travel? Like, there is a realistic part of this.

• 1:24:51Speaker 03

  There's a, there's a probability that I'll end up serving or bartending while teaching, especially like in the summertime.

• 1:24:58Caleb Hammer?

  Well, then where's the work-life balance? Where you could have just got a nine to five better job that has better vacation.

• 1:25:04Speaker 03

  I do.

• 1:25:04Caleb Hammer?

  Well, that has good vacation. You'll never get three months off, but.

• 1:25:08Speaker 03

  I mean, I like, I like this, the F and B lifestyle enough that like, if I were to go back to it, just to serve or, or work like that.

• 1:25:17Caleb Hammer?

  Yeah, but that's not work-life balance. You already, in order to do this job, that you're trying to justify to get the three months off, you're already destroying your work-life balance in order to afford the life that you're doing. So like, the logic is broken. It doesn't work.

• 1:25:30Speaker 03

  Maybe, I mean, maybe.

• 1:25:32Caleb Hammer?

  Oh, she says she doesn't purchase on TikTok shop. It's the first purchase on her checking account, by the way.

• 1:25:36Speaker 03

  I said, I don't think I've done it in a, in a little bit.

• 1:25:39Caleb Hammer?

  You just did. Yeah.

• 1:25:41Speaker 03

  Alright.

• 1:25:43Caleb Hammer?

  Okay. Good.

• 1:25:45Speaker 03

  I did. I'm assuming that was, what was the amount for that?

• 1:25:52Caleb Hammer?

  Twenty-nine forty-one. Listen, I know they pay your car bill, but is it in your name or is it in their name? The debt.

• 1:25:58Speaker 03

  Their name.

• 1:25:59Caleb Hammer?

  Okay.

• 1:26:00Speaker 03

  It's in my mom's name.

• 1:26:00Caleb Hammer?

  What do you have?

• 1:26:01Speaker 03

  I have a 2020 Nissan Versa.

• 1:26:04Caleb Hammer?

  Okay. You're very lucky, very privileged, you're very spoiled.

• 1:26:08Speaker 03

  Yeah. I mean, I like to say well-loved. That's, that's my.

• 1:26:13Caleb Hammer?

  It is loved, it's just incorrectly loved. Because they're enabling you and they're not setting you up for success. I mean, look at you at twenty-five, floundering around, not knowing what the fuck you're doing.

• 1:26:23Speaker 03

  They're trying.

• 1:26:25Caleb Hammer?

  No, no, no, no, no. They're not trying to not to enable you. They're trying to love you and do what they think is best. They're just wrong.

• 1:26:32Speaker 03

  I mean, my, when it comes, like, the car and everything,

• 1:26:38Speaker 03

  at some point, I'm gonna take on the car payment. I don't, they're, like I said, they want me to be out of debt before I do that, which I'm very grateful for, but.

• 1:26:48Caleb Hammer?

  Yeah. Well, also, I mean, it's in their name. I don't care about you taking over the car payment. It's their debt. They chose to do this.

• 1:26:55Speaker 03

  Yeah.

• 1:26:56Caleb Hammer?

  I don't, I don't give a fuck about that. If it was in your name and they're paying for it, yeah, I'd want you to take that over. But no, it's, it's their car.

• 1:27:01Speaker 03

  Yeah, they, they bought it for me when I was twenty, when I was in college.

• 1:27:07Caleb Hammer?

  Spoiled. That was a brand-new car. Wow.

• 1:27:11Speaker 03

  Twenty-one, maybe?

• 1:27:11Caleb Hammer?

  A little bit of jealousy. That's okay. Hundred and seventy dollars what you started with in your checking account like what the what are we doing and we're gonna while we have that we're doing Tik Tok shop McDonald's Sphinx and Sphinx what's Sphinx?

• 1:27:24Speaker 03

  That's a gas station.

• 1:27:25Caleb Hammer?

  You went in and got some bullshit twice three dollars five cents two dollars ten cents. Make your energy drinks at home twenty five cents at a serving.

• 1:27:33Speaker 03

  It was my electrolytes.

• 1:27:34Caleb Hammer?

  There's well there's hey guess what in the hot in the hydration version there's electrolytes. Twenty five cents a serving. Stop with the stupid three dollar purchases at a gas station people. Use code Hammer.

• 1:27:47Speaker 03

  I run I run to the gas I justify I run to the gas station I buy my electrolytes I run home.

• 1:27:52Caleb Hammer?

  You don't even have to run to the gas station you can run wherever you want and then make your little thing and shaky shaky shaky slurp slurp slurp.

• 1:27:59Speaker 03

  I like running to the gas station.

• 1:28:00Caleb Hammer?

  Cool run there don't purchase and then have a slurp slurp slurp.

• 1:28:04Speaker 03

  It's not as fun.

• 1:28:06Caleb Hammer?

  There you're right you're right sacrificing for a better life is not as fun.

• 1:28:09Speaker 03

  Running sucks in general so I just.

• 1:28:11Caleb Hammer?

  Sacrificing for a better life is not as fun you are correct. You have to choose what you prefer fun or sacrifice for a better life. Grando Rio Grande Rio Alta Starbucks store Sweat House Sweat House.

• 1:28:27Speaker 03

  So that was a membership that I had that I actually canceled.

• 1:28:33Caleb Hammer?

  Well good you better have.

• 1:28:34Speaker 03

  When I looked through all these statements.

• 1:28:36Caleb Hammer?

  Southern Brew's Coffee Mine Arrow went and got some bullshit Tik Tok shop Apple Door Dash. You Door Dash Door Dash over marriage reverse phone.com you searched up a phone number.

• 1:28:52Speaker 03

  I did I didn't realize I that that was still charging me I had okay I had someone spoofed my phone number. So I was trying to figure out who the heck kept calling me.

• 1:29:02Caleb Hammer?

  Who did it?

• 1:29:03Speaker 03

  Don't know some random person in Washington.

• 1:29:06Caleb Hammer?

  There you go.

• 1:29:08Caleb Hammer?

  Some and Jean's stuff for brew and um, oh, I think that's a firm maybe or some bullshit or Bath and Body Works as well. Appleville Starbucks, Apple Bill went in, got an energy drink, second state of something as a restaurant. Uh, Father's Mustache.

• 1:29:26Speaker 03

  It's a bar.

• 1:29:27Caleb Hammer?

  Cinemark, Cinemark, Dutch Bros McDonald's complains about not having enough money in her checking account. Look at all this is insanity. Dutch Bros McDonald's tattooed mouse, moose, Apple Bill, DoorDash again, DoorDash or Dunkin Donuts, Baskin Robbins, Huntington Bank, uh, Canva, Dunkin Mobile, Cooper's Hawk, Hero's Coffee and Bag, Lyft, Zelle, Lyft, Zelle.

• 1:29:50Speaker 03

  I was in.

• 1:29:51Caleb Hammer?

  Whisper's Oak, Whisper's Oak, Whisper's Oak, Jimmy John's Around Cafe, Bolero, Dunkin Mobile App, Benny's Beverage, Domino's, Hallmark, Tus- Dunkin Mobile App again, Tuscany, Kickin Chicken, Apple Bill, White Pages, what the is wrong with you?

• 1:30:07Speaker 03

  I was in Chicago for that, um, a lot of that time. So I did spend a lot of money when I was out there.

• 1:30:13Caleb Hammer?

  You overdrafted this year?

• 1:30:14Speaker 03

  No, I've never overdrafted that account.

• 1:30:17Caleb Hammer?

  Well, you've said you've never made a mispayment, so I don't know.

• 1:30:19Speaker 03

  I do know.

• 1:30:20Caleb Hammer?

  Pull up your phone again.

• 1:30:23Caleb Hammer?

  Pull it up and give.

• 1:30:25Speaker 03

  Where am I going?

• 1:30:26Caleb Hammer?

  Give.

• 1:30:27Speaker 03

  Just my phone in general?

• 1:30:28Caleb Hammer?

  Yes.

• 1:30:28Speaker 03

  All right.

• 1:30:29Caleb Hammer?

  I know how to navigate a phone.

• 1:30:30Speaker 03

  Well, you don't. I thought maybe you were going to my bank app.

• 1:30:33Caleb Hammer?

  No.

• 1:30:34Speaker 03

  This is a very vulnerable moment for me.

• 1:30:36Caleb Hammer?

  What are you scared of?

• 1:30:37Speaker 03

  What are you looking at?

• 1:30:38Caleb Hammer?

  Okay, uh, you have a eating app, uh, a lose it calorie counter, Strava, run, bike, walk, at least these are health focused. I call it plus, I'm okay with that. Tourista aesthetic photo app, thirty nine ninety nine, fuck you. That's stupid. Get rid of that. And photo editor, fuck you, get rid of that.

• 1:30:55Speaker 03

  I think.

• 1:30:55Caleb Hammer?

  You've had lose it before as well and uncanceled beauty plus, Capa notably smarter AI note, uh, Bumble, premium.

• 1:31:04Speaker 03

  Hey, old, old.

• 1:31:05Caleb Hammer?

  Yeah, back, back in spring.

• 1:31:07Speaker 03

  I said, hey. Okay, I was gonna say, don't, don't go out there, fuck my relationship up.

• 1:31:12Caleb Hammer?

  Tick, uh, tick, tick to do calendar, Apple TV. You've had every subscription in the world.

• 1:31:16Speaker 03

  Yeah.

• 1:31:17Caleb Hammer?

  Hinge Premium, that was late last year. Schmoody, Mood and Habit Tracker, My Bar, Cocktail Recipes, alright, Drunk, Clear Wave.

• 1:31:25Speaker 03

  I, I work at a bar.

• 1:31:28Caleb Hammer?

  Hinge Premium, uh, Bumble Premium again, Bumble Premium again, so many Bumble premiums. Pixar and Tolan.

• 1:31:35Speaker 03

  The Charleston dating scene is god awful.

• 1:31:36Caleb Hammer?

  Well, yeah, it's Charleston. You wouldn't think that's where necessarily the hot and youngs are going.

• 1:31:40Speaker 03

  No. No, the Charleston dating scene is god awful.

• 1:31:44Caleb Hammer?

  It's an old person city. Still love it, but.

• 1:31:47Speaker 03

  It is an old person city and the ratio of men to women is god awful, too.

• 1:31:51Caleb Hammer?

  More women?

• 1:31:52Speaker 03

  Yeah, it's like a three to one ratio. Yeah, there you go.

• 1:31:55Caleb Hammer?

  Brandon, shall we?

• 1:31:57Speaker 03

  It's hard to meet anyone. I met my boyfriend just doing a, a run club together, which is kind of like the, um, adult version of dating apps, the in-person version of dating apps at this point.

• 1:32:07Caleb Hammer?

  Except half the time you'll get canceled, but alright. Total income now is 3,750. Let's get your debt minimum payments, not including your car, so just the credit cards. The personal one's 152.45, the capital one's 184, the United is 334 and 53 cents. And then 43 goes to the Bank of America.

• 1:32:29Speaker 03

  I would recommend budgeting off of 3,400, not 37.

• 1:32:34Caleb Hammer?

  Why?

• 1:32:34Speaker 03

  401k contributions.

• 1:32:36Caleb Hammer?

  3,400, that's fine. Yep, take the free money. $713.98 goes to minimum payments, which is already disgusting.

• 1:32:43Speaker 03

  I know.

• 1:32:43Caleb Hammer?

  From the 3,400 that hits our account, we're talking 21% already goes to debt minimum payments, none of which are an asset. That's not even student loans. That's nothing. Just credit cards and personal loan. What's your rent?

• 1:32:54Speaker 03

  858.

• 1:32:56Caleb Hammer?

  Utilities?

• 1:32:57Speaker 03

  I budget 120.

• 1:32:59Caleb Hammer?

  Is that including internet?

• 1:33:01Speaker 03

  Yes.

• 1:33:01Caleb Hammer?

  We'll call it 130 then. Phone bill?

• 1:33:04Speaker 03

  Don't have one.

• 1:33:05Caleb Hammer?

  Okay, when you do, do helium, if T-Mobile's good in that area, it's like 15 bucks a line.

• 1:33:09Speaker 03

  Okay.

• 1:33:09Caleb Hammer?

  There's a zero dollar plan too, but that's if you don't use that much, but that's fine. You don't, do you pay for gas?

• 1:33:15Speaker 03

  I do.

• 1:33:15Caleb Hammer?

  How much?

• 1:33:16Speaker 03

  I budget 65 every two weeks.

• 1:33:18Caleb Hammer?

  Okay, okay.

• 1:33:20Speaker 03

  I, it might be a little less because I'm not driving that far.

• 1:33:22Caleb Hammer?

  130. Car insurance, do they cover that? Car payments, they cover, dude, you're in such a blessed position. Necessary food, 300. Use the meal plan, use the cookbook, meal prep, warm up, overnight oats, all these different things that you're doing. TP fund, one.

• 1:33:37Caleb Hammer?

  Fifty. You have a little extra room to text your parents.

• 1:33:40Speaker 03

  I mean, we could bump that up.

• 1:33:42Caleb Hammer?

  Fuck you. I bumped it up from a hundred to a hundred and fifty. Okay, medical, healthcare, are there any copays?

• 1:33:48Speaker 03

  Yes. So I co-pay, I'm trying to work out with my insurance right now to cover something. So right now I co-pay like eighty dollars a week for something. I see a chiropractor.

• 1:34:00Caleb Hammer?

  Why?

• 1:34:01Speaker 03

  I have a really bad back.

• 1:34:03Caleb Hammer?

  Okay, times fifty-two divided by twelve.

• 1:34:05Speaker 03

  So, right now my-

• 1:34:07Caleb Hammer?

  Back things. I think chiropractors, the only thing they've medically been able to figure out is some neck things. I don't think back, they've officially in a medical-

• 1:34:13Speaker 03

  It's my hips, my spine and my neck are all misaligned. I might have to go see a physical therapist. It's a whole-

• 1:34:20Caleb Hammer?

  Yeah, probably. Okay, so we're gonna budget three forty-seven a month for that. Jim, how much?

• 1:34:25Speaker 03

  Though, that's just, really quickly, that's just-

• 1:34:27Caleb Hammer?

  Yeah, how much more?

• 1:34:30Speaker 03

  Sixteen dollars a month for one appointment and then my medication costs me, I think, like forty dollars a month.

• 1:34:36Caleb Hammer?

  Okay, so medical is four oh three. How much for Jim?

• 1:34:40Speaker 03

  Uh, thirty-one ninety-nine.

• 1:34:44Caleb Hammer?

  Subscriptions, let's try to do twenty-five, let's try to do forty, I saw Canva as well. Okay, is there any pets?

• 1:34:50Speaker 03

  No, I don't have any pets.

• 1:34:51Caleb Hammer?

  Anything else that needs to be in the budget that I've not put in?

• 1:34:54Speaker 03

  Um, I'm trying to think. I try and put aside a little bit of money in my budget in case I have any kind of appliance issues. Like, we just had to fix our washing machine.

• 1:35:07Caleb Hammer?

  No, that's savings, that's emergencies. That's not in the budget.

• 1:35:11Speaker 03

  Then no.

• 1:35:12Caleb Hammer?

  Separate, that's where you're putting money aside. Let's see how much you have left over. Okay, anything else?

• 1:35:17Speaker 03

  No, I don't think there's anything else.

• 1:35:18Caleb Hammer?

  Two thousand seven hundred forty-eight dollars and seventy-eight cents.

• 1:35:23Caleb Hammer?

  And eighty-seven cents, sorry. Minus the three thousand four hundred leaves you an extra, let's just call it six fifty. Okay, let me give you fifty dollars for fun. It's not much, but it at least gives you a little rogo room. It's called six hundred left on a monthly basis. Okay, the bad debt is seventeen thousand, two hundred, four dollars and fifty one cents. If I had to buy that six hundred, it's not horrible. I mean, it'll accelerate, well, actually, it won't accelerate after school because your income will go down. You're gonna have to work two jobs when you first start teaching. You're gonna have to do bartending and stuff. But right now, this is gonna take basically two and a half years to get debt free. Call it another three fourths of a year to get a fully funded emergency fund. So, three years and a quarter, three years and three months, three years, three months.

• 1:36:08Caleb Hammer?

  Debt free, fully funded emergency fund. You can accelerate that, though,

• 1:36:13Caleb Hammer?

  by picking up some extra shifts, being a bartender now outside of this work. It's hard with school, so probably not. But once you're that teacher, then you're gonna go be a bartender as well to at least make what you're making now. But hopefully, a little more as well.

• 1:36:25Speaker 03

  That's my hope.

• 1:36:26Caleb Hammer?

  That'll help accelerate this. Maybe you'll get blessed and have a slightly higher than fifty thousand dollar a year teaching job. But that's kind of where people are starting. It might even be under because that's median, so. It's a hard place to be in, but three years and three months is not bad for financial audit. Now, when we incorporate student loans, that is gonna be a new minimum payment, which is gonna make it harder for you to accelerate the process. So I need you to take care of it as much as you can now before that starts hitting. Because we need to limit our minimum payments by the time that payment hits. You'll get on the RAP plan, so you'll still have a lower payment, but.

• 1:37:01Speaker 03

  I mean.

• 1:37:01Caleb Hammer?

  Chunky amount of student loans.

• 1:37:03Speaker 03

  Yeah, it's not a great amount of money towards my education, that's for sure. With student loans, paying them back, this is just a question I have for you. Student loans paying them back while you're in school.

• 1:37:16Caleb Hammer?

  No, it doesn't make any sense. Why would you? You have so much debt, it's gonna take longer to pay off from when you're in school. You have high interest debt that is riskier, pay off now. Federal student loans at least has extra protections and hardships.

• 1:37:29Speaker 03

  Okay, fair enough.

• 1:37:31Caleb Hammer?

  Okay, I am, I'm gonna do her hammer financial score, uh, but remember, I'm gonna call her parents in the post-show. Get ready for that. And I will confront them about this enablement once and for all. Spending in a budget, zero out of 10. Debt? It's not horrendous. For your income, it's bad, but it's not like the worst debt in the world. And it's honestly because of your parents. They, they make it acceptable, but two out of 10. Emergency fund, nothing in savings, zero out of 10. What's in retirement, if anything?

• 1:37:59Speaker 03

  Um, $700.

• 1:38:01Caleb Hammer?

  One out of 10 for starting. Real estate, zero out of 10. No, 700. It's a zero out of 10.

• 1:38:05Speaker 03

  I just started putting into a 401k this year.

• 1:38:07Caleb Hammer?

  Hammer financial score rounded up. Point five out of 10. Click that join button. Three premium shows posted every single day, Monday through Friday, including an extra 20 minutes of each episode called the Financial Autopo Show. Right now, I'm gonna call her parents. I'll see you there. I just found out in between filming the episode in the Financial Autopo Show that her parents came to the [bleep] rescue and is bailing her out again.

• 1:38:30Speaker 03

  They gave me...

• 1:38:31Caleb Hammer?

  How much? They gave you [bleep].

• 1:38:35Speaker 03

  So that's [bleep] crazy. That's two, it's two of those credit cards.

• 1:38:39Caleb Hammer?

  This is insane. She's never gonna learn. She's never gonna learn. Don't forget to download the new Dollar Wise Budgeting app. This is officially now the best budgeting app on the market. And I'm giving you a special deal to download, but only through March 31st. Take a free three-day trial to test it out. And then you get the monthly plan at a 33% discount for the first three months, or the annual plan at an insane 50% discount. And with the annual, you get my budget-friendly cookbook and my brand-new 30-day detailed budget meal plan, signed by me and mailed directly to you. After March 31st, the cookbook is going away forever, so this is literally your last chance. Don't miss the opportunity of a lifetime. Download Dollar Wise and start your free trial. Go to dollarwise.com or click the link below.

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