Financial Audit's First Throuple

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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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• 0:28Speaker 01

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• 0:53Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. You know what she wants to do, guys? So she discussed it with you. She wants everything to come into one account and then give you two allowances.

• 1:04Caleb Hammer?

  The one who makes no money handing out allowances.

• 1:06Speaker 03

  That's, that's not where I was thinking.

• 1:08Speaker 04

  Yeah, I told you that before.

• 1:10Caleb Hammer?

  And you guys talked about bringing in a second dick. It would get more affordable.

• 1:14Speaker 04

  You'd be more than just a penis. You'd be a loved penis.

• 1:20Caleb Hammer?

  Is this you guys again?

• 1:21Speaker 03

  Yes.

• 1:21Caleb Hammer?

  Wow, okay, everything is done.

• 1:23Speaker 03

  I don't have any credit cards open.

• 1:25Caleb Hammer?

  Why would you want to commit to this? Do you just want to combine so that we have for income?

• 1:30Speaker 05

  Caleb, you mind if I take a second? Can you guys? Take a second. Thank you.

• 1:34Speaker 04

  He's probably gonna need time.

• 1:36Caleb Hammer?

  Well, before he comes back on?

• 1:37Speaker 04

  He's gonna shut down.

• 1:39Caleb Hammer?

  Sign up for the new and improved Dollar Wise Budgeting app. Take the free trial and if you like it, sign up for the annual version to save a ton of money and get my budget-friendly cookbook signed by me and mailed directly to you. And for a limited time only, if you want to bundle all of my educational programs together with the Budget App, join Dollar Wise Central and save 80%. Take the trial and learn more at dollarwise.com.

• 2:01Speaker 03

  Hi, I'm Ella, 31.

• 2:03Speaker 05

  I'm Joey, I'm 37.

• 2:05Speaker 04

  And I'm Alice, 34, and we're from Tucson, Arizona.

• 2:08Speaker 03

  And this is the financial audit.

• 2:11Caleb Hammer?

  The financial audit, we're here.

• 2:15Caleb Hammer?

  What the [bleep]? I have never experienced anything like this before. I'm gonna need someone to just tell me what the [bleep] this is.

• 2:23Speaker 04

  So this is...

• 2:24Caleb Hammer?

  Educate me, please.

• 2:26Speaker 04

  This is polyamory. At its finest.

• 2:28Caleb Hammer?

  I did, yeah, I picked that part up. The who's doing what and what's going on?

• 2:34Speaker 03

  We're doing each other.

• 2:36Speaker 04

  Yeah. We're all together in this.

• 2:39Caleb Hammer?

  Maybe my brain is very binary. Maybe my brain's very binary, I'm trying to figure this out. Is anyone married? Who's been to... Someone's married?

• 2:48Speaker 04

  Yes.

• 2:48Caleb Hammer?

  Who's married?

• 2:49Speaker 04

  We are married.

• 2:50Caleb Hammer?

  You're married?

• 2:51Speaker 04

  Yes. That's our girlfriend.

• 2:52Caleb Hammer?

  You don't... So, okay, you're third-wheeling on a permanent basis?

• 2:57Speaker 04

  No!

• 2:58Speaker 03

  It's okay, I know what I am.

• 2:59Speaker 04

  She's so very permanent. No, no, no.

• 3:03Caleb Hammer?

  Nor do you get legal protections if this thing goes sideways?

• 3:07Speaker 05

  No, the state doesn't recognize or condone any of this.

• 3:10Speaker 04

  The state doesn't recognize anything, ever. But Joey here is a big softie. And if anything ever went wrong, he would still take care of it.

• 3:19Caleb Hammer?

  Or he wants double the holes, I don't know. But... How long have you guys been married? How long have you guys been together?

• 3:26Speaker 04

  We've been together about 11 years.

• 3:28Caleb Hammer?

  Cool. How long have you been in this?

• 3:32Speaker 03

  So I met them about six years ago.

• 3:35Caleb Hammer?

  Were they like looking at you across the bar?

• 3:37Speaker 03

  Uh... Internet-wise, yeah.

• 3:42Caleb Hammer?

  What was it, a poly site or something?

• 3:44Speaker 03

  Oh, was it... OKCupid, right?

• 3:47Speaker 04

  I think it was OKCupid. Or Plenty of Fish, one of those two.

• 3:50Speaker 03

  It's a hot one for poly couples.

• 3:52Caleb Hammer?

  Yeah, you've been with them for six years?

• 3:54Speaker 03

  I've been with them officially for two years. But we kind of dated on and off for like six years.

• 3:58Caleb Hammer?

  How's this dynamic? Because this is a financial audit with a lot of paper, to be very clear. A lot of paper.

• 4:07Speaker 04

  That's mostly ours.

• 4:08Caleb Hammer?

  What is the dynamic?

• 4:12Speaker 03

  Um, I don't think we have one quite yet. That's kind of.

• 4:16Caleb Hammer?

  Huh?

• 4:16Speaker 03

  Yeah.

• 4:17Speaker 04

  Well, that's kind of why we're here. We want, before anything gets to a point of super serious, we want to get this figured out because like, we're in this for the long haul. This isn't.

• 4:29Caleb Hammer?

  How? Cause not legally.

• 4:33Speaker 04

  Financially and she's, she wants to be with us and we want her to be with us. So.

• 4:42Caleb Hammer?

  Well, I'm a pretty open minded dude. I'm just a little lost.

• 4:45Speaker 04

  Yeah.

• 4:46Caleb Hammer?

  Um, this is never been my thing personally. I'd rather be.

• 4:51Speaker 04

  Have you tried it?

• 4:53Caleb Hammer?

  Well, no. Oh, wow. Oh, she's still going. Oh, now they're all going. Okay. Wow. Okay. Whew.

• 5:03Speaker 04

  We got him flustered, guys. Now's our time. Take over.

• 5:08Speaker 05

  I just, uh, must the government approve of everything you do in your life?

• 5:12Caleb Hammer?

  No, but that's where a lot of legal protections come from.

• 5:15Speaker 04

  Yeah.

• 5:15Speaker 05

  I recognize that.

• 5:16Speaker 04

  Um, we, we don't plan on having children together. Um, we're all done having kids. So.

• 5:24Caleb Hammer?

  Oh, there are already kids?

• 5:26Speaker 04

  There is already kids. Yeah.

• 5:27Caleb Hammer?

  What's the kids situation?

• 5:29Speaker 04

  So we have, uh, three children and she has one.

• 5:34Caleb Hammer?

  Oh, you two together?

• 5:35Speaker 04

  Yes, us together.

• 5:36Caleb Hammer?

  Do they live at home?

• 5:37Speaker 04

  Yes.

• 5:38Caleb Hammer?

  What do they think of mommy number two? Do they call her second mommy?

• 5:41Speaker 04

  Yes, they love her.

• 5:43Caleb Hammer?

  And what do they call her? They've got cute nicknames.

• 5:45Speaker 04

  They got nicknames.

• 5:46Speaker 03

  One of them calls me syrup.

• 5:47Speaker 04

  Syrup, yes.

• 5:48Speaker 05

  Cause she's just so sweet.

• 5:49Speaker 04

  Yes. Syrup is definitely the favorite. Um, so yeah. Uh, we, yeah, they, they really do. They adore, adore her.

• 6:02Caleb Hammer?

  How old are those kids, those three?

• 6:04Speaker 04

  Uh, sixteen, nine and two.

• 6:08Speaker 03

  And then I have a thirteen year old.

• 6:10Caleb Hammer?

  And, wait, do you guys all live together?

• 6:12Speaker 05

  Sure do.

• 6:13Caleb Hammer?

  How long have you all three lived together?

• 6:15Speaker 03

  About a month.

• 6:17Caleb Hammer?

  What the, why is that so new?

• 6:20Speaker 04

  Uh.

• 6:21Caleb Hammer?

  Whoa, okay, and what, did the 13-year-old move in?

• 6:24Speaker 04

  Yes, she moved, she's been, she's been living there. She's been living there about like three months.

• 6:30Speaker 03

  Yeah.

• 6:31Speaker 05

  And we're not the only occupants.

• 6:33Caleb Hammer?

  And what does the 13-year-old think since, you know, they're like, obviously, there's a, you know, they're together, more officially, you're kind of there?

• 6:44Speaker 03

  They've known, well, they've known for, them as well, as long as I've known them. Like, our, our kids have all kind of grown up together.

• 6:51Caleb Hammer?

  And the 16-year-old really doesn't think it's interestingly odd.

• 6:56Speaker 04

  The 16-year-old probably loves her more than he loves me, if we're being honest. Cause, um, she's a gamer, like a big gamer, and so is he. And so like, they just connect on that level, and like, the PC building and stuff like that.

• 7:12Caleb Hammer?

  Parents, one of them is bound to like video games.

• 7:15Speaker 04

  And I, I do too, but he's just like way on, on that, that level with her, so.

• 7:20Caleb Hammer?

  Okay, and, again, this is financial audit, I don't really give a, you guys do? Trying to learn the dynamics.

• 7:28Speaker 04

  Everybody gives a, what we do.

• 7:29Caleb Hammer?

  No, no, no.

• 7:31Speaker 04

  They make it a point to give a, what we do.

• 7:33Caleb Hammer?

  No, I mean, I'm curious, I don't care as in like, do what you want to do, it's fine, like, I'm not gonna, you know, freak out. Um, but, this is financial audit, we care about the finances with this, and this is a very curious situation. And I'm just, I'm really trying to learn the dynamics. So tell me, what are the, how do, how do the finances work in this? Collection?

• 7:56Speaker 04

  Right now, poorly, that's what we're really trying to figure.

• 7:59Caleb Hammer?

  Well, okay, less of an answer, I'm more trying to understand, how is it currently going on? What is happening?

• 8:05Speaker 03

  So I'm pretty separate from things at this point.

• 8:07Speaker 04

  At the moment.

• 8:08Caleb Hammer?

  Okay, you're clearly...

• 8:11Caleb Hammer?

  Come on, you're a mole on the relationship then.

• 8:14Speaker 04

  No.

• 8:15Caleb Hammer?

  If she's separate, if she's not married, if she just moved in.

• 8:20Caleb Hammer?

  Like you guys are on tier three, she's on tier two.

• 8:23Speaker 05

  Sure.

• 8:24Speaker 04

  I'm on a different level.

• 8:25Speaker 05

  We're looking to fix that.

• 8:26Caleb Hammer?

  How do you feel about that? That must not be great. I wouldn't be very confident.

• 8:29Speaker 04

  Um, I, I've always been in control of my own finances, so I know letting.

• 8:34Caleb Hammer?

  Yeah, I'm talking about in the relationship, dude.

• 8:36Speaker 04

  We want everything.

• 8:37Caleb Hammer?

  I wouldn't feel very confident in my status of the relationship.

• 8:40Speaker 04

  We honestly want everything more integrated, so I.

• 8:43Caleb Hammer?

  You don't sleep in the same bed?

• 8:44Speaker 04

  Yes.

• 8:44Caleb Hammer?

  What size bed?

• 8:45Speaker 04

  It's a king, but we're looking at getting a bigger one. Yeah. So we, we used to have two king beds put together, which was fantastic. And we're gonna do that again eventually, but right now it's just not, it's not on the cards. So it's just very cozy. Very cozy. In a million degrees.

• 9:02Caleb Hammer?

  Lindsay, are these people real? These people are real. Oh.

• 9:05Speaker 04

  They're cute too.

• 9:06Caleb Hammer?

  Alright, well.

• 9:08Speaker 04

  So yeah, I like taking care of my woman. I do. And she.

• 9:13Caleb Hammer?

  What about your man?

• 9:15Speaker 04

  I take care of him in different ways.

• 9:17Speaker 05

  That's, that's.

• 9:18Caleb Hammer?

  What are you, have they gone lesbian and they're pushing you out? What's happening?

• 9:22Speaker 05

  Listen.

• 9:22Speaker 04

  I've always been a lesbian. It's fine.

• 9:25Speaker 05

  You do all the work?

• 9:27Speaker 04

  He's a very pretty lady.

• 9:28Caleb Hammer?

  Wait, are you the, alright, alright. Let him talk, let him talk. Oh, okay. Oh, she's noises constantly, huh?

• 9:36Speaker 04

  Always. Yeah.

• 9:37Speaker 05

  It's endless. Uh, you really think that you're getting one thing and life comes at you from a different angle? Are you married?

• 9:44Caleb Hammer?

  No.

• 9:45Speaker 05

  Well, first off, mazel tov. Um, second of all, when you get there, you think to yourself, uh, like, oh, there's gonna be a woman around all the time who cares about me, loves about me. It's just dirty clothes. It's a lot of dirty clothes. It's a lot of reasons why they're not picked up.

• 10:00Caleb Hammer?

  I have one living with me. Not married, but.

• 10:03Speaker 05

  How's the clothes situation?

• 10:06Caleb Hammer?

  Very organized and clean and nice.

• 10:09Speaker 05

  Put a ring on it, you'll see the difference.

• 10:11Speaker 04

  He got with barn animals. We are, we are problems.

• 10:15Caleb Hammer?

  I wasn't gonna say it.

• 10:18Speaker 04

  Well, somebody had to. So anyways, yeah, no, I, I like.

• 10:24Caleb Hammer?

  Are you the breadwinner?

• 10:25Speaker 04

  Yes.

• 10:25Caleb Hammer?

  Do they work?

• 10:26Speaker 04

  Yes.

• 10:29Caleb Hammer?

  I guess I haven't answered that question. Let's go left to right. Alice, what do you do?

• 10:34Speaker 04

  So I did own a coffee shop. We had, we had to sell it. We opened.

• 10:41Caleb Hammer?

  Why?

• 10:42Speaker 04

  Well, we opened over a year ago. A few months after we opened, my sister passed away.

• 10:48Caleb Hammer?

  Okay.

• 10:48Speaker 04

  So then.

• 10:50Caleb Hammer?

  Why did it not open back up when you came back?

• 10:52Speaker 04

  So it did open back up when we came back. And then the three weeks after the,

• 11:01Speaker 04

  the funeral, I got into a car accident and my car was totaled.

• 11:04Caleb Hammer?

  Why? What are you doing?

• 11:05Speaker 04

  I was stopped waiting on the car to turn and a lady rear-ended me going like 60.

• 11:11Caleb Hammer?

  Kind of like every day here.

• 11:14Speaker 04

  Back end. So.

• 11:15Caleb Hammer?

  Sandwich.

• 11:17Speaker 04

  Yeah.

• 11:18Caleb Hammer?

  What do you do for a living?

• 11:19Speaker 04

  So now I do ghost tours and I am a teacher's aide.

• 11:24Caleb Hammer?

  Okay, I assume the second one is what makes your income?

• 11:28Speaker 04

  Actually, no, the ghost tours pays more.

• 11:31Caleb Hammer?

  Per hour or net?

• 11:32Speaker 04

  So it's actually per job.

• 11:35Caleb Hammer?

  Per job or net? Which one do you make more money from? Net?

• 11:39Speaker 04

  Net would be the ghost tours.

• 11:41Caleb Hammer?

  Okay. So what hits your account on a monthly basis? Both jobs?

• 11:45Speaker 04

  Both jobs, about 1,500.

• 11:47Caleb Hammer?

  I guess this is how to make it in single income households, not enough? Dual income household, maybe not enough anymore?

• 11:55Speaker 04

  Not in this economy.

• 11:56Caleb Hammer?

  Ringing a third and all of a sudden you got a triple income household.

• 11:59Speaker 04

  Yeah.

• 12:00Caleb Hammer?

  I guess it's a way to do it.

• 12:01Speaker 04

  And we actually have a quadruple income household.

• 12:06Caleb Hammer?

  No. What?

• 12:08Speaker 04

  So my-

• 12:08Caleb Hammer?

  What, are you bringing in a guy?

• 12:10Speaker 04

  Well, hopefully eventually.

• 12:12Caleb Hammer?

  To balance it out?

• 12:13Speaker 04

  That would be great, so-

• 12:14Caleb Hammer?

  No, you wanna quad it?

• 12:15Speaker 04

  If you're looking, uh-

• 12:17Caleb Hammer?

  Do you guys actually wanna quad it?

• 12:19Speaker 04

  That would be great.

• 12:20Caleb Hammer?

  So you weren't good enough. They're moving on.

• 12:21Speaker 04

  No.

• 12:22Speaker 03

  It's okay, I get it.

• 12:23Speaker 04

  No, no, not moving on, moving together.

• 12:28Speaker 03

  It's, it's about sharing the love.

• 12:30Speaker 04

  Yeah.

• 12:31Speaker 03

  It's not one, one person love another. We love everybody.

• 12:34Speaker 04

  We love all of them.

• 12:34Speaker 03

  Yeah.

• 12:35Speaker 04

  So if you're looking and you think we're cute.

• 12:37Caleb Hammer?

  Okay, so what is this quad? What's the quad?

• 12:40Speaker 04

  Uh-

• 12:41Caleb Hammer?

  You said there's a fourth income.

• 12:42Speaker 04

  So the fourth income is actually my parents.

• 12:46Caleb Hammer?

  They live there?

• 12:47Speaker 04

  They live there.

• 12:47Caleb Hammer?

  What is this house? How big is this thing?

• 12:51Speaker 04

  About 2,000 square feet, um-

• 12:53Caleb Hammer?

  Oh, no!

• 12:55Speaker 04

  About five acres.

• 12:56Caleb Hammer?

  That's insane, huh?

• 12:57Speaker 03

  Wait till you hear the house payment.

• 12:58Caleb Hammer?

  Well, the acres is okay, but it's not like people are sleeping outside.

• 13:02Speaker 05

  I've considered it.

• 13:03Caleb Hammer?

  Uh, yeah. What do your parents think of the-

• 13:07Speaker 04

  Oh, they hate it. They're very religious.

• 13:10Speaker 03

  Yeah.

• 13:10Caleb Hammer?

  Oh, wow, and they live there with you coming on in?

• 13:14Speaker 04

  What the crazy part is that they actually love her. They just-

• 13:18Speaker 05

  They love her individually.

• 13:19Speaker 04

  Individually.

• 13:20Speaker 05

  Yeah.

• 13:20Speaker 04

  They like to think of her as a friend.

• 13:23Speaker 03

  Coping.

• 13:24Speaker 04

  Coping.

• 13:24Speaker 03

  Coping.

• 13:25Speaker 04

  Yeah.

• 13:28Caleb Hammer?

  Oh, good. Okay.

• 13:32Caleb Hammer?

  Okay. What do you do, Joey?

• 13:34Speaker 05

  Uh, I teach.

• 13:35Caleb Hammer?

  Cool. What do you make? What, what hits your accountant at?

• 13:39Speaker 04

  About 80.

• 13:39Speaker 05

  What, 90?

• 13:40Speaker 04

  I think it was, I think it went down to 80, didn't it?

• 13:42Speaker 05

  Give or take-ish.

• 13:43Speaker 04

  Yeah, about 80.

• 13:44Caleb Hammer?

  What, a month? No, no, a month. What hits?

• 13:46Speaker 04

  Uh, 44.

• 13:49Caleb Hammer?

  Are you the one that runs the household? You definitely seem like the pants.

• 13:51Speaker 04

  Yeah, I run the household.

• 13:53Caleb Hammer?

  Yeah, I'm getting that vibe. You're domineering the conversation. The airflow is filled with your noises.

• 13:58Speaker 04

  I have so many noises. Those aren't even all of my noises.

• 14:01Caleb Hammer?

  I don't wanna hear the rest.

• 14:03Speaker 04

  Oh, you're going to-

• 14:03Caleb Hammer?

  Okay, so what hits?

• 14:04Speaker 04

  Uh, about, about 44.

• 14:07Caleb Hammer?

  Good. All right. Um, and I guess this will take about 33% longer, cause there's 33% more-

• 14:15Caleb Hammer?

  People in this relationship.

• 14:17Speaker 03

  So I was actually doing housekeeping for a hospital. Um, but I just recently switched back to nursing assistant.

• 14:23Caleb Hammer?

  What do you make?

• 14:24Speaker 03

  Uh, it's about 20 an hour. I don't know at this point. Usually it's like 40 hours. I haven't started.

• 14:30Caleb Hammer?

  What hits the account? Well, it's separate still. So you don't know?

• 14:34Speaker 04

  I don't know yet.

• 14:35Caleb Hammer?

  Do, before you moved in, what did you guys talk about finances before she moved in?

• 14:39Speaker 04

  We did, yeah.

• 14:39Speaker 03

  So before I was making 25 an hour plus, well, plus differentials.

• 14:43Caleb Hammer?

  What are we knowledgeable about the financial situation? What do you knowledge about their financial situation before you're lumping on in?

• 14:49Speaker 03

  I know that they have a lot of debt.

• 14:51Speaker 04

  Yeah, we went over it. I don't hide.

• 14:52Speaker 03

  We went over the debt part of it.

• 14:54Caleb Hammer?

  You know the number?

• 14:55Speaker 03

  Uh, not the exact numbers.

• 14:56Caleb Hammer?

  Okay. What do you guys know about her financial situation?

• 14:59Speaker 04

  I'm, I'm very well aware. Um.

• 15:02Caleb Hammer?

  What is it?

• 15:03Speaker 04

  Uh, it's a few thousand as far as I'm aware.

• 15:06Speaker 03

  I have one for 10,000 and then like a couple of little ones.

• 15:09Speaker 04

  Little ones, yeah.

• 15:11Caleb Hammer?

  Of course you're wearing a pineapple shirt. You fucking freak.

• 15:16Speaker 04

  So we actually picked a shirt for him today.

• 15:17Caleb Hammer?

  I'm sure. Okay. What do you know about either sides of the finances?

• 15:22Speaker 05

  I, I can't express enough that I have tried to live my life in a way where I don't have to think about money. And money has come chasing me. Um, my goal has always just been to, to earn as hard as I can, as much as I can.

• 15:37Caleb Hammer?

  But what if it just goes out the door? Then you have to earn more.

• 15:39Speaker 05

  I, I, yeah, that's really come up on me. Um, and Alice over here takes care of all the numbers, uh, or.

• 15:49Caleb Hammer?

  Is that working? Apparently guys have a ton of debt according to Ella.

• 15:53Speaker 05

  Yeah. Yeah. It's a, it's been a rough couple of years. Uh, and so, no, I, um, I know almost nothing. So everything, you probably know more about my situation than I do at this point.

• 16:04Caleb Hammer?

  I don't know anything else than you guys together. I don't know how much.

• 16:06Speaker 03

  And you still probably know more.

• 16:08Caleb Hammer?

  Okay. So you don't know what hits your account from this job?

• 16:11Speaker 03

  Not yet, no.

• 16:12Caleb Hammer?

  Okay. So 20 bucks an hour. No income tax in Arizona, right? Is there?

• 16:16Speaker 04

  Yeah, there is.

• 16:17Speaker 03

  Yeah.

• 16:17Caleb Hammer?

  Uh, must be relatively low.

• 16:19Speaker 04

  Yeah, they, they just readjusted everything to like a, a flat percentage and I don't remember what it was. Yeah.

• 16:26Caleb Hammer?

  Alright, time's at by fifty-two, assuming some time off, forty-one thousand, six hundred dollars a year. Right, that by twelve, I'm gonna guess it's about three thousand dollars a month.

• 16:37Speaker 03

  That sounds about right.

• 16:37Speaker 04

  Yeah, that sounds about right, yeah.

• 16:39Caleb Hammer?

  So, why are you the one running the household finances when you make dick compared to them?

• 16:45Speaker 04

  Cause he can't do it. He won't do it. So when we first met-

• 16:48Caleb Hammer?

  Well, why aren't you making anything?

• 16:51Speaker 04

  What do you mean?

• 16:52Caleb Hammer?

  You're making nothing. You're barely contributing to the house.

• 16:54Speaker 04

  Oh, cause I take care of the kids and I do all of the other stuff.

• 16:57Caleb Hammer?

  Stay-at-home mother, sometimes?

• 16:58Speaker 04

  Yep.

• 16:59Caleb Hammer?

  Sometimes?

• 17:00Speaker 04

  Yep.

• 17:01Caleb Hammer?

  Okay.

• 17:01Speaker 05

  Is there a button on there for stay-at-home mother?

• 17:03Speaker 04

  (laughing)

• 17:05Caleb Hammer?

  Pushing it right now, and that's only equalling, even with you guys three together, making a lot less than a lot of guests on this show. Uh, eight thousand, nine hundred hours a month, that was not bad, but that's with three incomes.

• 17:16Speaker 04

  Mm-hmm.

• 17:17Caleb Hammer?

  Uh, and that's, that's now, that's a hundred six. I mean, a hundred six is great, especially for dual household income. Have no idea where it fits in terms of a triple household income. But you'd think it'd be a bit higher, and it's cause you're not contributing very much, if we're being completely honest. But if you are contributing to take care of the kids, that is considered contributing something for sure, just monetary-wise.

• 17:36Speaker 04

  Yeah, I do a lot of cooking, um, cleaning.

• 17:39Caleb Hammer?

  Well, why aren't the grandparents taking care of the kids that are living there?

• 17:41Speaker 04

  She does when I am working, um-

• 17:44Caleb Hammer?

  So work more and have her take care of the kids more?

• 17:47Speaker 04

  She can't handle it right now.

• 17:48Speaker 03

  Her bandwidth is real stretched.

• 17:50Caleb Hammer?

  Her bandwidth?

• 17:51Speaker 04

  After my sister passed away, she kinda lost it. And then we also had her mother pass away very quickly after that, and then after that, we had my nephew pass away. So we had three-

• 18:02Caleb Hammer?

  She had therapy, where is she now?

• 18:04Speaker 04

  No, she's just-

• 18:05Caleb Hammer?

  How old is she?

• 18:05Speaker 04

  She's handling it, she's sixty.

• 18:07Caleb Hammer?

  Cause she's not handling it.

• 18:08Speaker 04

  She's not handling it, no. So we have-

• 18:11Caleb Hammer?

  She's not contributing to the house?

• 18:13Speaker 04

  Hmm, she is another way.

• 18:14Caleb Hammer?

  And Papa?

• 18:16Speaker 04

  He works.

• 18:17Caleb Hammer?

  What, okay, what's he bringing in?

• 18:18Speaker 04

  He's, um, he's pest control.

• 18:20Caleb Hammer?

  Is he included in the household income? Like, how does this work?

• 18:23Speaker 04

  So they pay their own, so they just pay a flat rate, um, every month. So-

• 18:29Caleb Hammer?

  Okay. Are you bringing in debt into this relationship?

• 18:33Speaker 03

  Uh, yeah.

• 18:35Caleb Hammer?

  So how much debt do we think we have across the board? If you know the finances and if you know the finances, what do you guys think now that we are a combined household? Are we trying to get triple combined finances?

• 18:47Speaker 04

  In a perfect world, we would like something where like all the bills go into one account and then...

• 18:52Caleb Hammer?

  They don't view you as equal.

• 18:55Speaker 04

  What?

• 18:57Caleb Hammer?

  Because you're not doing that. And you said in a perfect world. I asked if we want to and you didn't even, the answer would have been yes.

• 19:04Speaker 04

  Well, yeah, I do.

• 19:05Caleb Hammer?

  You just said in a perfect world, we do all this, meaning, meaning, meaning what people say after in a perfect world is but...

• 19:12Speaker 04

  No, this isn't me. This isn't me, this is getting her on board. So in a perfect world, I would like all of the bills to go into one account. And then we have a savings account for, um, in case of an emergency. And then...

• 19:29Speaker 03

  I have trouble letting go. I've always been in control of my own money. So like letting other people...

• 19:34Caleb Hammer?

  Then why are you getting into an uncontrolled situation by far? Not a very secure situation legally nor...

• 19:41Speaker 03

  I mean, I won't lose anything.

• 19:45Caleb Hammer?

  Other than housing and...

• 19:50Caleb Hammer?

  Relationships and siblings to your child and...

• 19:54Speaker 04

  But that can happen in a normal relationship anyways.

• 19:56Caleb Hammer?

  It can, but there are legal protections. And when divorces happen and there are kids situations.

• 20:01Speaker 04

  Yeah, but in those legal protections, how many people really stick to them? Like legitimately?

• 20:07Caleb Hammer?

  Well, a court would hold them to it if they don't.

• 20:10Speaker 04

  Sorry, um, sure. Sure they would.

• 20:15Speaker 04

  Just like my dad paid child support.

• 20:22Speaker 04

  I cope with humor.

• 20:24Caleb Hammer?

  Inside joke for you guys that we're all so aware of.

• 20:28Speaker 04

  But no, like it's legitimately, the, the, the government's not good at doing their job.

• 20:34Caleb Hammer?

  Well, we all know that. What's the combined debt? If we're combining, what's the combined debt?

• 20:39Speaker 04

  Are we, are we talking with the house?

• 20:41Caleb Hammer?

  We can get rid of the house. Let's keep the house in there. What's the combined debt?

• 20:45Speaker 04

  I would probably say somewhere close to 500?

• 20:51Speaker 03

  Okay, uh, that's, that's not where I was thinking.

• 20:54Caleb Hammer?

  What were you thinking?

• 20:54Speaker 03

  I was closer to like 300,000.

• 20:56Speaker 04

  No, because the house is more than that.

• 20:58Speaker 03

  Is it?

• 20:58Speaker 04

  Yeah, I told you that before. Yeah. Nobody listens to me. They just hear me talk and they just like, they zone.

• 21:05Caleb Hammer?

  It's because you don't do anything other than talk.

• 21:07Speaker 04

  I know, that's true.

• 21:08Caleb Hammer?

  Uh, spoiler alert, when that's all you do, yes, people will stop listening.

• 21:12Speaker 04

  Are you stopping listening?

• 21:13Caleb Hammer?

  Yes.

• 21:14Speaker 04

  You seem to be very into this.

• 21:17Caleb Hammer?

  Oh, she's not even letting me say the number. Okay.

• 21:19Speaker 04

  I was close. I was close.

• 21:24Caleb Hammer?

  Did you guys hear the number? Because she's just making noises.

• 21:27Speaker 03

  Could you mind repeating that one?

• 21:28Caleb Hammer?

  Yes, there we go.

• 21:30Speaker 03

  Speak up.

• 21:36Caleb Hammer?

  Okay.

• 21:42Caleb Hammer?

  Should I put her in another room so we can have a conversation? What's happening?

• 21:46Speaker 05

  I don't know anything, so unfortunately it wouldn't be much of a conversation.

• 21:49Caleb Hammer?

  Uh huh. 550,974 dollars.

• 21:56Caleb Hammer?

  Higher than you both thought.

• 21:58Speaker 04

  That's about where, about where I thought it was gonna be.

• 22:01Caleb Hammer?

  Well, it's 50,000 dollars higher. Why is it, why do you think it's higher than, well, why do you think it's higher? Substantially higher than what you thought? That you're getting into a whole situation.

• 22:11Speaker 03

  Didn't think about the house, how much it, well, I know, I know you guys' payments are quite high.

• 22:18Caleb Hammer?

  You guys is your guys. See, this doesn't feel like what you guys are setting this up as a true trio. It isn't. It is a duo. And you're barely involved in an official capacity.

• 22:34Speaker 05

  Yeah, we just, uh, we only just moved in about a month ago and, um, these things kind of, uh, matriculate as they do. It's, um...

• 22:45Caleb Hammer?

  What's your opinion on all this? 550,000 dollars of debt. You had no idea? What do you think?

• 22:51Speaker 05

  Oh, that's a lot larger of a number than I was hoping for. Um, I'd, I'd suppose I'd...

• 23:00Speaker 05

  Yeah, uh, um, sorry.

• 23:03Caleb Hammer?

  Okay, what the?

• 23:05Speaker 05

  No, it's, uh, that-

• 23:06Caleb Hammer?

  No, not you, her. She's like rubbing your tits.

• 23:09Speaker 05

  Yeah, well, sorry.

• 23:11Speaker 03

  He's not doing great.

• 23:12Speaker 05

  Money gives me anxiety.

• 23:13Caleb Hammer?

  Oh, really?

• 23:14Speaker 05

  Yeah.

• 23:15Caleb Hammer?

  Big anxiety, it seems. That's scary.

• 23:18Speaker 05

  The other day, she was trying to tell me about money that I had earned, and just hearing that I had earned money was giving me agita, and I, that's, I-

• 23:25Caleb Hammer?

  Is this why she wants to implement her method?

• 23:27Speaker 04

  Yes.

• 23:28Caleb Hammer?

  Her Alice method?

• 23:29Speaker 04

  Yeah.

• 23:30Caleb Hammer?

  You know what she wants to do, guys? Has she discussed it with you? She discussed it with the producer.

• 23:34Speaker 04

  Yeah, loosely.

• 23:35Caleb Hammer?

  She wants everything to come into one account and then give you two allowances.

• 23:41Speaker 05

  Yeah.

• 23:42Caleb Hammer?

  That's a little weird. The one who makes no money handing out allowances. Um...

• 23:50Caleb Hammer?

  You're very controlling. You're domineering.

• 23:52Speaker 04

  I'm domineering, yes. Controlling not so much. Uh, I do-

• 23:56Caleb Hammer?

  Guys, is she controlling?

• 23:57Speaker 05

  I'm not allowed to say that she is.

• 24:01Speaker 04

  No, domineering, absolutely. Uh, I do, I do that mostly for, for his sake, because he doesn't want anything to do with it. Like, he just doesn't, and-

• 24:12Caleb Hammer?

  And for a new girl?

• 24:14Speaker 04

  We're still working on it, and like, I'm, I'm willing to like work around it.

• 24:18Caleb Hammer?

  How do you feel about that? You've been independent your whole life, now she wants to give you an allowance?

• 24:20Speaker 03

  Oh, yeah, that's, that's hard. Uh, I do like a contribute, contributing based on percentages. Like, I make this much, here's how much I can put forward, which I kind of like threw out there a little bit.

• 24:31Caleb Hammer?

  Thoughts on that, Alice?

• 24:33Speaker 04

  I know that Joey's gonna make more until we're done with school. Um-

• 24:38Caleb Hammer?

  School?

• 24:38Speaker 04

  Yes, school.

• 24:40Caleb Hammer?

  Whose were?

• 24:41Speaker 04

  Uh-

• 24:41Caleb Hammer?

  The kids? Or you guys?

• 24:42Speaker 04

  No, us too.

• 24:44Caleb Hammer?

  Both of you are in school?

• 24:45Speaker 04

  We are both applied for school.

• 24:48Caleb Hammer?

  For what school?

• 24:49Speaker 04

  Uh, Pima?

• 24:51Speaker 03

  Radiology department.

• 24:52Speaker 04

  Radiology department.

• 24:53Caleb Hammer?

  Both of you want to do that?

• 24:54Speaker 04

  Correct.

• 24:54Speaker 03

  I've been on, I've been waitlisted for like five years at the other school and just switched.

• 24:58Caleb Hammer?

  Oh, that's, that's wonderful. Um, okay. Listen, I mean, you guys are bringing an average of like nine thousand bucks a month. What do, what do you think the household, last month in example, went out? What was spent? And this does include interest accruing and things, but what was spent?

• 25:14Speaker 04

  Oh, pro- I have to say probably four or five thousand.

• 25:19Caleb Hammer?

  Okay. What would you think?

• 25:21Speaker 03

  Um, it's gotta be more than that.

• 25:23Speaker 04

  Yeah, you think more than that?

• 25:25Caleb Hammer?

  More than that?

• 25:25Speaker 03

  Yeah, you guys, you still use the credit card?

• 25:26Speaker 04

  Oh, yeah, no. I haven't used the credit card.

• 25:31Caleb Hammer?

  Oh, we'll see about that.

• 25:32Speaker 04

  I use, I use, there's interest accrued on the credit card. There's that, yeah.

• 25:39Speaker 04

  Yeah, no, you're right. It's probably closer to six.

• 25:43Caleb Hammer?

  Yeah, I mean, seventeen thousand, two hundred and nine dollars.

• 25:47Speaker 04

  Going out?

• 25:48Caleb Hammer?

  Oh, yeah, absolutely. You'll betcha. Do you get VA disability?

• 25:52Speaker 05

  No, sir.

• 25:54Caleb Hammer?

  Interesting. First in the history of financial audit. Okay. That certainly would have helped the numbers a bit.

• 26:03Caleb Hammer?

  So what are we trying to do? What are we trying to accomplish? Because I'll help anyone try to accomplish whatever their financial mission is. What are we talking about?

• 26:09Speaker 04

  Integrating finances in a better, healthier way. We want to get out of this debt. I, I want. I know for myself, I want us to be on a healthy footing, especially financially.

• 26:23Speaker 03

  Yeah, and I, I, since I brought the debt in from outside, you know, previous life experiences, I don't want to bring it in and have them pay for it. I'd rather cover it myself than any debt.

• 26:33Caleb Hammer?

  So we're still viewing it, theirs and mine, theirs and mine, theirs and mine.

• 26:37Speaker 04

  I have already told her.

• 26:37Speaker 03

  I know.

• 26:38Speaker 04

  That I am so willing. We are so willing to help cover anything if we get there before she does.

• 26:46Speaker 03

  Yes.

• 26:48Caleb Hammer?

  Okay, that helps. Okay.

• 26:54Caleb Hammer?

  I'm gonna go three, two, one, go. Oh, I'm gonna go three, two, one, points. On points, I want you all at the exact same time to give me what you think your household financial score is, zero to 10. Zero being the absolute worst, 10 being the absolute best, okay? Three, two, one.

• 27:16Speaker 04

  One.

• 27:17Speaker 05

  Zero.

• 27:18Caleb Hammer?

  Okay, zero, one, two. Gotcha. Ladies and gentlemen, if you want your financial score, take the assessment for free at CalebHammer.com. See where you stand in the world of finance, to see where you need to improve, see where you're doing well. And don't forget, my favorite budgeting app is the Dollar Wise Budgeting App. Make sure you download it if you don't want to be like a guest who ends up on this show. Sign up, take the trial, and if you like it, save a lot of money by switching to the annual version. And if you do, I will sign our budget-friendly cookbook and I'll mail it directly to you. Join the tens of thousands of other people who have already. Okay. You can learn more about that at DollarWise.com. Let's jump into this. You're just gonna have to tell me whose accounts are whose as we go on. Cause this is a lot of confusion.

• 28:07Caleb Hammer?

  Okay.

• 28:11Caleb Hammer?

  The fuck am I seeing? Oh, this looks like a mortgage. This one's chunky. And this is 3,000 bucks without jarring. Hold on. Okay, $3,117.

• 28:24Caleb Hammer?

  To find out by the what was coming in, when it was just you two until this last month. What was that, 6,000 bucks? I mean, the math is pretty darn close, but yeah, 52% of our household was going to mortgage? That's crazy. And now, okay, we're at 8,900. I mean, now it's still 34% pushing into not the most comfortable area, but you know, we're within reason, especially if we're looking gross income. Did you only bring her in so we could afford the mortgage?

• 28:55Speaker 04

  No.

• 28:55Caleb Hammer?

  Cause it's kinda what it feels like.

• 28:57Speaker 04

  Actually.

• 28:57Caleb Hammer?

  What it looks like on paper.

• 28:58Speaker 04

  Don't want the house anymore. I didn't really want it from the beginning.

• 29:02Caleb Hammer?

  Why the fuck do we have it in a big ass 6% mortgage on it?

• 29:07Speaker 04

  It was actually supposed to be seven. They paid it down to six.

• 29:10Caleb Hammer?

  You guys paid it down to six?

• 29:11Speaker 04

  No, no.

• 29:11Caleb Hammer?

  Who paid it down to six?

• 29:12Speaker 04

  The sellers paid it down to six.

• 29:14Caleb Hammer?

  What the fuck is this place?

• 29:20Speaker 03

  It's chunky.

• 29:21Speaker 04

  It is chunky.

• 29:23Speaker 03

  Payment.

• 29:23Caleb Hammer?

  It is in the absolute middle of nothing.

• 29:27Speaker 03

  Mm-hmm.

• 29:27Caleb Hammer?

  Desert surrounded by mountains. It's not a trailer home, but it kinda looks like a very long one.

• 29:35Speaker 04

  It's all brick. Um, Mexican brick.

• 29:38Caleb Hammer?

  But it's very narrow, isn't it? Very narrow, very long.

• 29:42Speaker 04

  Yes.

• 29:43Caleb Hammer?

  Oh, Mexican brick. I'm glad we got diversity brick. Look, private student loans can make you feel like you're one missed payment away from selling your grandma's heirlooms. We miss you, grandma. Yrefi says, chill out. No more sacrificing the family jewels. They don't reduce you to a credit number. They actually want to see if you actually plan on paying them. And by the way, they're providing interest rates under 6%, which is practically a unicorn in the student loan jungle. I mean, some lenders want to charge so much that you'd swear they're putting your firstborn on layaway. Tired of monthly payments so high you can't afford a single sweet treat? Yrefi has got you. They'll rearrange your payment plan, ease the monthly hit, and even let your poor cosigner off the hook. Mom or dad can finally breathe. Oh, and if you think you'll just get stuck in a call center, guess what?

• 30:28Caleb Hammer?

  4.6 stars in Google says Yrefi actually picks up and treats you like a real human. Shocker, right? And fine, that's about as rare as me not slamming the desk every single episode. So, if you're done fantasizing about robbing a bank, don't do that, by the way. Check out Yrefi. They're here to help you actually crush these loans without selling your kidneys on the black market. Head to Y R E F Y dot com slash hammer. That is Yrefi dot com slash hammer. Or call 888-973-3978. That is 888-973-3978. And see how a real personal approach can help you escape the private loan nightmare. Because, let's be honest, living with crippling debt until you're 90 is not the retirement plan you dreamed of. If you've Googled "learn how to code" more than three times this month, it is time to stop searching and start training. There's a reason you keep bouncing around.

• 31:13Caleb Hammer?

  Most programming courses just teach theory, leaving you to figure out how to practice on your own. If you're tired of stumbling your way through clunky dev courses, no closer to a six-figure dev job than the last time you watched a free Python tutorial on YouTube, I've got something. Something for you. It is called boot.dev and it's hands down the best way to learn how to code in a way that actually prepares you for the real world. Boot.dev is the only platform I found that actually trains you instead of just having you memorize syntax. Every lesson is followed by a coding challenge that feels more like playing a video game than taking a test. It's like if Duolingo in the gym had a baby built for backend developers.

• 31:53Caleb Hammer?

  Python, JavaScript, go! Zero fluff, just skill building, hands-on coding reps that train your brain to actually think like a developer. And their new training ground feature lets you work on smaller problems until you're confident enough to handle the next lesson. It's like grinding in video games to get enough XP for boss fights. That way, even when you're stuck, you're having fun. I never thought I'd be able to learn anything like coding, but boot.dev makes it addicting. So you want to code? Cool! Stop Googling and start training. Go to boot.dev and use code CALEBHAMMER to get 25% off your entire first year on the annual plan. Very outdated, so if we're considering selling it, that makes me a bit nervous. I mean, you know, old carpet, old kitchen.

• 32:39Caleb Hammer?

  Oh my gosh! So there's what? 1, 2, 3, 4, 5, 6, 7, 8, 9 humans living in this house?

• 32:46Speaker 04

  Yeah.

• 32:47Speaker 05

  Standby.

• 32:50Speaker 05

  Yeah, I think nine. I think that's right.

• 32:51Speaker 04

  Yeah, nine.

• 32:53Caleb Hammer?

  That's fucking insane! This is not a big enough house for that.

• 32:57Speaker 04

  No.

• 32:57Caleb Hammer?

  Listen, people need, people desire bigger houses than they need all the time in this country. You guys, a larger house would be, oh wait, how many beds? 3 beds, 2 baths.

• 33:09Caleb Hammer?

  How do we fit 9? What are we doing? We're bunking. People are bunking.

• 33:13Speaker 04

  There was also a, um, a large office space that we turned into a bedroom.

• 33:20Caleb Hammer?

  Okay, that helps.

• 33:21Speaker 03

  And mom is getting her, is fixing up her own trailer.

• 33:24Caleb Hammer?

  You're calling her mom?

• 33:25Speaker 03

  Huh? I call her mom.

• 33:27Speaker 04

  She calls her mom.

• 33:28Caleb Hammer?

  Does mom accept that?

• 33:29Speaker 03

  Yeah, prefers mom.

• 33:30Speaker 04

  Yeah, she prefers it.

• 33:31Caleb Hammer?

  Even though she hates that you guys are a-.

• 33:32Speaker 04

  Mom and grandma are her preferred terms.

• 33:35Speaker 03

  Yeah.

• 33:35Caleb Hammer?

  Even though she hates that you guys are a-. Oh.

• 33:39Speaker 04

  Yeah, I know. It's a lot.

• 33:41Caleb Hammer?

  It's fixing up her trailer to live on. Are we selling it if you don't want it? I mean, what are what's our, what are we trying to do here?

• 33:46Speaker 04

  The goal is to sell it and grandma and grandpa understand that as well, but there is a trailer casita that they're fixing up on it. Um, currently.

• 33:54Caleb Hammer?

  They're gonna live in a trailer?

• 33:56Speaker 04

  Mm hmm.

• 33:56Caleb Hammer?

  On a property that you're not gonna own?

• 33:58Speaker 04

  Well, they're, when it sells, then they'll get whatever, whatever's left over, basically.

• 34:05Caleb Hammer?

  Huh? What do you mean, what's ever left over?

• 34:07Speaker 04

  From, from the sale, like what's owed on the house.

• 34:09Caleb Hammer?

  Why would they get that? Do they own the house and you guys?

• 34:12Speaker 04

  No.

• 34:12Caleb Hammer?

  Wait, hold on. Who has the house? Who's this? Who's the name?

• 34:15Speaker 04

  They would get paid back on whatever, because they put all the money into the casita on the, on the property. So the casita is.

• 34:20Caleb Hammer?

  What the fuck is the casita?

• 34:21Speaker 04

  It's another word for like a small property, like a, so the trailer is like an extra, like mother-in-law apartment, essentially.

• 34:29Caleb Hammer?

  So they'd get the money for the trailer?

• 34:30Speaker 04

  Yeah, basically.

• 34:32Caleb Hammer?

  Okay.

• 34:32Speaker 04

  Once it's sold.

• 34:34Caleb Hammer?

  Four hundred thirty seven thousand nine hundred eleven dollars and six cents with a minimum monthly payment of three thousand one hundred dollars and seventeen cents.

• 34:44Caleb Hammer?

  You wanna sell?

• 34:45Speaker 04

  And we wanna sell.

• 34:45Caleb Hammer?

  You wanna sell?

• 34:48Speaker 05

  It looks like I don't have much of a choice now, doesn't it?

• 34:50Caleb Hammer?

  Well, I feel like you should be allowed to have at least a say. Is this relation, like, I understand you guys love each other. It feels like the dynamic is not very fair. Does this opinion not matter in this?

• 35:03Speaker 05

  Well, uh, the, I would say my opinion doesn't matter against those numbers now, does it?

• 35:08Caleb Hammer?

  Well.

• 35:09Speaker 05

  I can sit there.

• 35:10Caleb Hammer?

  You guys can afford the mortgage now with a threesome and you guys talked about bringing in a second dick, so. It would get more affordable.

• 35:17Speaker 04

  Just a penis.

• 35:22Speaker 04

  You'd be a loved penis.

• 35:31Caleb Hammer?

  Uh, your opinion on selling the house that you just moved into?

• 35:34Speaker 03

  The, just based on the numbers, that's astronomical, even at.

• 35:38Caleb Hammer?

  What is? The minimum monthly? Is that what you're saying? Well, where would you guys go? What would you do? There's a lot of people who are trying to house.

• 35:43Speaker 03

  Like, looking at the market and compared to the other houses, this is ridiculous.

• 35:47Caleb Hammer?

  Well, looking at the market, it's, uh, currently, oh, it's sold? Okay, what's it? Yeah, I mean. You guys would break even after fees and commission, maybe even lose money, so.

• 35:59Speaker 04

  Yes, so it does have a couple of upgrades.

• 36:01Caleb Hammer?

  It barely have any equity in it. Yeah, a couple of, what are the upgrades?

• 36:04Speaker 04

  So it has the, it's gonna have the second property on it. And it also is going to have solar on it.

• 36:11Caleb Hammer?

  Okay, that doesn't really translate very well. It really doesn't. That does not translate in the sell of a house.

• 36:17Speaker 04

  And then the bathroom.

• 36:18Caleb Hammer?

  In fact, a lot of people pick up and move their solar.

• 36:19Speaker 04

  The bathroom is upgraded as well. It's going to be upgraded.

• 36:22Caleb Hammer?

  Okay, bathroom and kitchen definitely holds the weight the most.

• 36:29Caleb Hammer?

  See, you don't even get a ring. You see that? You see how they're both wearing one? You don't, you see what's happening? Okay, but I think, well, actually, especially if you renovate the kitchen and it doesn't move the needle very much, you guys are going to lose money based on what you put in and walk away from. Then you gotta pay the parents based on what they put in. What did the parents put in so far?

• 36:48Speaker 04

  Uh, so far, I think, I think it's somewhere around 10.

• 36:54Caleb Hammer?

  So you have to pay them 10 off of this. So then, yeah, I mean, you guys are gonna, where are you coming up with the extra 20,000 dollars that you're likely just gonna have to pay out of pocket? If you sell this house, you guys can't sell this house. You're in a position. Where's the selling this house? Guy doesn't even wanna sell the house, so you got lucky that the numbers don't make sense to sell the house.

• 37:11Speaker 05

  Well, you know, thank God for miracles like this, huh?

• 37:14Caleb Hammer?

  Yeah, I'd say so. Wow, this really is absolutely, whoa, there is no, oh my gosh, there is nothing nearby. The closest thing's just the country of Mexico.

• 37:30Caleb Hammer?

  But still nothing there. Oh my gosh, you guys are, how the fuck do you guys even have jobs? That's crazy. What are our commutes? This is crazy. How are you upgrading the kitchen? Cause you guys have no money, or bathroom, cause you guys have no money. There's this debt, stacked upon debt. How are we possibly doing that?

• 37:49Speaker 04

  So my mom is actually doing it.

• 37:52Caleb Hammer?

  So is that included in the ten or is that gonna be additional? Okay, so again, that's still like 20,000 dollars you're gonna have to come out. Like, you're gonna have to do probably 6% for, you know, realtor commission on both ends, you know, 3% each. Now it can be less and now it can be paid by this buyer, but we're in a buyer's market, so good luck with that. It's gonna be paid by you. And that's if you even get it for what Zillow is estimating in that. And usually they're pretty nice about their values.

• 38:23Caleb Hammer?

  Okay, we have now listed.

• 38:27Caleb Hammer?

  When were we attempting to list?

• 38:29Speaker 03

  Um, I don't know if this was ever actually gone through more than, you know.

• 38:36Caleb Hammer?

  Where do you guys want to go?

• 38:39Speaker 04

  Cheaper, just same.

• 38:41Caleb Hammer?

  What can you get that fits as many people as cheaper?

• 38:44Speaker 04

  Same area, cheaper. So, um, my, my mom actually, they have a piece of property. So.

• 38:51Caleb Hammer?

  Aren't they on that?

• 38:53Speaker 04

  That's where they want to build. So.

• 38:57Caleb Hammer?

  But they've already built on yours.

• 38:59Speaker 04

  Yeah, everything kind of.

• 39:02Caleb Hammer?

  Everything.

• 39:04Speaker 04

  Yeah. Yeah, absolutely. Uh, so it went haywire.

• 39:09Caleb Hammer?

  Makes sense.

• 39:10Speaker 04

  Yeah.

• 39:10Caleb Hammer?

  What, with the deaths?

• 39:12Speaker 04

  With everything, yeah.

• 39:13Caleb Hammer?

  Okay.

• 39:14Speaker 03

  I think it was pretty much when you guys moved to New.

• 39:16Caleb Hammer?

  Why'd you even get this house if we didn't want it?

• 39:19Speaker 04

  So the property wasn't supposed to be for them. The property was supposed to be for my nephew. So, and.

• 39:25Caleb Hammer?

  The one you bought?

• 39:26Speaker 04

  The one that they bought.

• 39:27Caleb Hammer?

  I don't give a fuck about that one. Why'd you guys buy this when you didn't want to?

• 39:30Speaker 04

  Well, that's why they, they didn't move on to that property.

• 39:32Caleb Hammer?

  I don't give a fuck about that. Why'd you buy this house when you did not want to?

• 39:36Speaker 04

  Because he wanted this house.

• 39:38Caleb Hammer?

  He wanted this house?

• 39:39Speaker 04

  Yeah.

• 39:39Caleb Hammer?

  Okay.

• 39:39Speaker 04

  I actually asked to back out of the house.

• 39:41Caleb Hammer?

  Huh?

• 39:42Speaker 04

  I asked to back out of the house.

• 39:43Caleb Hammer?

  And he said, no, oh, you at least put your foot down in something.

• 39:46Speaker 05

  Yeah, well, look at what could have stunned us. Uh.

• 39:49Caleb Hammer?

  Well, you're more just locked in for a little bit. I mean, again, with the triple income, you do, it's in the gray zone.

• 39:57Speaker 05

  That's good news. I'll, I'll, I'll take the wins where we can get them. Uh, before this, um, and I'm not trying to point any elbows, but her mother has a habit of buying horrible rundown property.

• 40:10Caleb Hammer?

  That's true.

• 40:10Speaker 05

  Fixing it about halfway up and then things are sideways for one reason or another. And this has been a, a feature. It's not a bug, it's a feature. Um, and so we were, uh, living in one of those after trying to come back from New Hampshire. And, uh, that one was.

• 40:27Caleb Hammer?

  You guys own in New Hampshire?

• 40:29Speaker 03

  We did own in New Hampshire.

• 40:29Speaker 05

  We did. That was also a good loss.

• 40:31Speaker 03

  That was a loss.

• 40:32Speaker 04

  Yep.

• 40:33Speaker 05

  So, uh.

• 40:35Caleb Hammer?

  No offense, why New Hampshire to the literal middle of nothing?

• 40:39Speaker 05

  Well, so, uh, around that time, uh.

• 40:44Speaker 05

  My job was experiencing a lot of cuts, like a lot of cuts. And COVID was just heating up. And I'm an insane libertarian and New Hampshire is the libertarian capital of America. So I was like, um, I'm going to be out of a job pretty soon is what I assumed. And I realized that I had just enough gas in the tanks to get us to wherever we were going to crash land. That was all that was left.

• 41:10Caleb Hammer?

  Which was New Hampshire?

• 41:11Speaker 04

  Yes.

• 41:11Caleb Hammer?

  So you went from Arizona to New Hampshire?

• 41:13Speaker 05

  That's right. And so I went and bought a place out there, kept the job and I kept working. And the idea was to keep doing that until I'm not quitting. They're going to cut me, right? And so now I was juggling two payments for a little bit. I moved.

• 41:33Caleb Hammer?

  Oh, fuck.

• 41:34Speaker 05

  Alice out there. I didn't lose my job. I got a promotion, actually.

• 41:39Caleb Hammer?

  Oh, well, that's good.

• 41:40Speaker 05

  That was, it was a surprise that I wasn't ready for. Sometimes it's good surprises. Sometimes it's confusing ones.

• 41:45Speaker 04

  And I was not supposed to be able to get pregnant without medical intervention. And then I ended up pregnant.

• 41:57Caleb Hammer?

  It always finds a way, just like you need to find a way to that microphone.

• 42:00Speaker 04

  Yeah, so I ended up pregnant and there was no medical help within an hour drive from where we live.

• 42:10Caleb Hammer?

  You were in the middle of nowhere, New Hampshire as well.

• 42:12Speaker 04

  So not really, we weren't that far from like Concord. But the issue is so many people had moved in.

• 42:19Caleb Hammer?

  Are you close to medical now?

• 42:21Speaker 04

  Yes.

• 42:22Caleb Hammer?

  Where?

• 42:23Speaker 04

  There's a hospital either way about

• 42:26Caleb Hammer?

  Couple hours?

• 42:26Speaker 04

  Half hour.

• 42:27Caleb Hammer?

  What?

• 42:28Speaker 04

  Yeah.

• 42:28Caleb Hammer?

  Surprising. Okay.

• 42:30Speaker 04

  So, so

• 42:32Caleb Hammer?

  So you moved back from medical?

• 42:33Speaker 04

  We had to move back from medical and it, it ended up being a high risk pregnancy. So I had to move back. There was no option.

• 42:39Caleb Hammer?

  Okay, I'm okay with that. I don't, it didn't have to be a permanent move, but okay, it looks like it has resulted in when we move, are we trying to go back to New Hampshire or stay in Arizona?

• 42:52Speaker 05

  Uh, no, my, my job's here.

• 42:54Caleb Hammer?

  You like Arizona?

• 42:55Speaker 05

  Yeah.

• 42:56Speaker 04

  I don't.

• 42:57Caleb Hammer?

  Well, no, of course not.

• 42:58Speaker 04

  And she doesn't.

• 43:00Caleb Hammer?

  Well, no, of course not. It's just a hot desert in the middle of the... I mean, if you guys were in at least like Phoenix where you could do things, it would be nice. Or like, you know, Flagstaff and it's pretty, but...

• 43:11Speaker 04

  Yeah, Flagstaff is gorgeous.

• 43:12Caleb Hammer?

  Just, uh...

• 43:12Speaker 04

  Gorgeous. I would be happy. If we lived there, I'd be happy.

• 43:16Caleb Hammer?

  Sure, instead you live on a cactus.

• 43:18Speaker 04

  Yeah, basically.

• 43:19Caleb Hammer?

  Okay.

• 43:20Speaker 04

  A hot, a hot cactus.

• 43:25Speaker 04

  So, yeah.

• 43:26Caleb Hammer?

  Okay, well, mortgage only okay because she came in.

• 43:30Speaker 04

  Right now, currently?

• 43:31Caleb Hammer?

  If she didn't, it would be [BLEEP].

• 43:33Speaker 04

  It's pretty [BLEEP], yeah.

• 43:35Caleb Hammer?

  And whose name is the mortgage under?

• 43:37Speaker 04

  Joey's and mine.

• 43:39Caleb Hammer?

  Okay.

• 43:42Caleb Hammer?

  Platinum plus. Platinum plus of what we owe $38,172.21. Who's what, when, where, what? What the [BLEEP]?

• 43:53Speaker 04

  Ours.

• 43:53Caleb Hammer?

  Both of you, you're in it together.

• 43:56Speaker 04

  All of our accounts are joints.

• 43:58Caleb Hammer?

  I was gonna call you guys [BLEEP], okay. Well, this is insane.

• 44:03Speaker 04

  Yeah.

• 44:05Caleb Hammer?

  You're over the limit. Did you know you're over the limit? I'm not trying to have you have more anxiety, but what the [BLEEP]?

• 44:10Speaker 04

  We know, we know, uh...

• 44:12Caleb Hammer?

  You know, do you know?

• 44:13Speaker 05

  I didn't know.

• 44:14Caleb Hammer?

  He didn't know. Why are you saying we know? He doesn't know. Why, why can you say we?

• 44:18Speaker 04

  He doesn't know any of it, I should say that, yeah.

• 44:19Caleb Hammer?

  Well then, why would you say we? That's not fair. Don't speak for him. He doesn't know what's going on and the dude struggles with this [BLEEP].

• 44:24Speaker 04

  Yeah, that's why I don't tell him.

• 44:27Speaker 04

  And technically, he does know.

• 44:28Caleb Hammer?

  Then why, why would you say we? Stop speaking for him.

• 44:31Speaker 04

  He does know because he's gotten phone calls.

• 44:33Caleb Hammer?

  Oh, come on.

• 44:33Speaker 04

  So he does know.

• 44:34Caleb Hammer?

  He might not know what accounts. Might not know...

• 44:38Caleb Hammer?

  Okay, what's going on with this card?

• 44:39Speaker 04

  They're willing to settle on that one.

• 44:42Caleb Hammer?

  They're willing to settle for what?

• 44:43Speaker 04

  For half.

• 44:45Caleb Hammer?

  Okay, so $38,000... Yeah, half up front?

• 44:50Speaker 04

  Probably.

• 44:51Caleb Hammer?

  There's no way you could afford half. In what world? $38,172.21, so it looks like we're stuck with this...

• 45:03Caleb Hammer?

  I don't even know what the normal minimum you last paid.

• 45:06Speaker 04

  It's about a thousand dollars.

• 45:07Caleb Hammer?

  That's the normal? You paid $200 last time? Thoughts on that? You paid 20% of the minimum payment.

• 45:14Speaker 04

  Which one is that one? The 30?

• 45:15Caleb Hammer?

  Uh, 38.

• 45:16Speaker 04

  Yeah, 38,000? Yeah, that one's a... Right now, it's a... It was 200.

• 45:22Caleb Hammer?

  It went up.

• 45:22Speaker 04

  And it's now...

• 45:23Caleb Hammer?

  Did it just three periods end or something?

• 45:25Speaker 04

  So when?

• 45:25Caleb Hammer?

  Oh, no! Hey, pause. What do you think your past do?

• 45:31Caleb Hammer?

  Oh shit, I'm so sweet.

• 45:34Caleb Hammer?

  What do you think their past do?

• 45:35Speaker 04

  I have no idea.

• 45:36Caleb Hammer?

  You don't know? You're getting into this. Dude, you're flying into a fucking hurricane right now. You have no idea. This is insane. This is insane.

• 45:44Speaker 04

  Yeah, I don't know. I couldn't tell you.

• 45:47Caleb Hammer?

  What do you think, big guy?

• 45:52Caleb Hammer?

  Ladies and gentlemen of Financial Audit, this is one of the most exciting moments in this channel's history. You know I've been working on building all these educational tools, our budgeting app, all this crazy stuff of this past year, because that is where my passion is. We finally did it, and now we put it all into one program called Dollar Wise Central. You get the premium version of my budgeting app, you get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner stuff in finance, all the way to the advanced stuff. Collaborated by experts with the lowest refund rate in the industry for a reason. Hey, guess what? If you are struggling, or you want to learn more, or you want to change your life in any way whatsoever,

• 46:37Caleb Hammer?

  like literal tens of thousands of people have done with our programs, go to dollarwise.com. Click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no-brainer. Dollarwise.com. Let's go!

• 46:55Speaker 05

  Let's rip that Band-Aid off. How bad is it?

• 46:57Caleb Hammer?

  $3,154 past due. Past due.

• 47:01Speaker 05

  3,000 past due.

• 47:02Caleb Hammer?

  Why the possible, guys?

• 47:04Speaker 04

  Because I was the only one we couldn't pay. Like, we paid everything else because we didn't have enough money.

• 47:11Caleb Hammer?

  Why were you then going and doing things?

• 47:15Speaker 04

  Because we're terrible at this.

• 47:16Caleb Hammer?

  No, see, the real answer is because we blew our fucking money, not because, oh, we paid the things and we didn't have enough money. Guys, going out to eat... What do we think?

• 47:27Speaker 04

  That's high.

• 47:29Speaker 03

  Thousand dollars?

• 47:29Caleb Hammer?

  It was a thousand dollars. It was a thousand thirty-five going out to eat. And you say you can't make a thousand dollar payment? Yeah, that's who going out to eat last month. And you say you can't make a thousand dollar minimum monthly payment on a credit card? Because you pay your other bills? Fuck you, that's a bullshit excuse that is immaturity to its core. This is bullshit. This could be video games. This could be anything like that. It's this extra whatevers. That is a thousand six hundred thirty dollars. So now we are up-

• 47:57Speaker 05

  Thousand six hundred.

• 47:58Caleb Hammer?

  Thousand six hundred thirty. So now we are up to bullshit, minimum bullshit, two thousand six hundred sixty dollars. Two thousand six hundred sixty dollars, minimum, on bullshit last month alone. Now there's more stuff in here. There's unknown shopping of about a thousand two dollars. Some might be bullshit, some might not be. I don't know. We're gonna have to go through it. Yeah, that's usually like Amazon or Walmart, because you can get anything there. So it could be necessities.

• 48:21Speaker 04

  Yeah, we do a lot of grocery shopping at Walmart.

• 48:23Caleb Hammer?

  And we'll go through those and we'll see. Other large purchases, things that didn't really fit in the category but were huge. That was four thousand dollars. Four thousand, that wasn't housing, that wasn't vehicles, that wasn't transportation, that wasn't groceries. It was, I'll tell ya-

• 48:38Speaker 05

  In a month?

• 48:39Caleb Hammer?

  In a month. That was last month, in fact. That's what's going on when you just let control go away. Then anxiety will build and it will hit you like a bomb.

• 48:50Speaker 05

  Yeah, oh yeah, it sure is.

• 48:54Speaker 05

  What the fuck goes on?

• 48:57Speaker 05

  What the fuck goes on?

• 49:00Speaker 04

  Do you need a moment?

• 49:02Speaker 05

  No, I'm fucking, I, I, I'm at work all day. I was doing school all night. I had the fucking GI Bill where they pay me to go to school. It's a second job. It's a second job. The school's not helping me. There's no aspect of my life that's better for this.

• 49:20Speaker 05

  I'm deployed to my fucking life. I wouldn't- I couldn't go and, and walk through the house to go to the bathroom. I'd piss outside. So I didn't have to walk past my kids because I knew they would take too long to see them and say hi. I, I fucking, I'm a ghost in my own reality to try and earn as much money as I can.

• 49:43Speaker 05

  What were those fucking numbers?

• 49:47Caleb Hammer?

  It's not great.

• 49:48Speaker 04

  Is this for just us or all three of us?

• 49:50Caleb Hammer?

  All three combined.

• 49:52Speaker 04

  That's all three of us.

• 49:52Caleb Hammer?

  But all the debt is combined as well.

• 49:54Speaker 04

  Okay.

• 49:55Caleb Hammer?

  Cause if you say your ultimate goal is to combine, that's how we went off of it.

• 49:58Speaker 04

  Yeah, that's fine. That's the ultimate goal.

• 49:59Caleb Hammer?

  He asked a good question that I would like to hear your perspective. What the is going on?

• 50:04Speaker 04

  Well, honestly, I-

• 50:05Caleb Hammer?

  Valid from him.

• 50:06Speaker 04

  To be fair, I had a very strict budget for a very long time. I have an Excel spreadsheet and these last two years, since since getting, honestly, since getting pregnant, I

• 50:22Speaker 04

  I couldn't handle life anymore. Couldn't do it. And I reached out for help, but he also couldn't do it. And we have been kind of drowning since. It was two mortgages and then it was a business and then it was a funeral and then-

• 50:41Caleb Hammer?

  Buddy.

• 50:42Speaker 04

  It's just been one thing.

• 50:44Caleb Hammer?

  This is cope talk.

• 50:45Speaker 04

  It is.

• 50:45Caleb Hammer?

  He said, what the is going on? We went over a minimum $2,660 of bullshit, minimum, minimum.

• 50:52Speaker 04

  Yeah, and it's just been-

• 50:53Caleb Hammer?

  That's what he's asking about.

• 50:54Speaker 04

  It's just been bullshit ever since.

• 50:55Caleb Hammer?

  That's what he's been asking about. Not your past mortgage, double mortgage, your past blah, blah, blah, blah, blah.

• 51:00Speaker 04

  No, but it all just-

• 51:00Caleb Hammer?

  Last month alone was $2,660 of bullshit minimum and it's likely closer to like three to 4,000. Okay? Cause that's what we usually see. So what the is going on? If you're the one managing finances, why is it such a disaster? Why is it gone? Why is it obliterated? Why is guy out there working his ass off? Beat in pavement for the money to just go completely out the door and he doesn't know and all of a sudden he has a panic attack because you just endlessly abuse your situation, your, your, your, your situation where you get to control the entire thing. Give me a little bit of insight here. Nothing, no self-reflection.

• 51:34Speaker 04

  To be fair, I honestly don't know. I know-

• 51:37Caleb Hammer?

  No self-reflection. What's your thoughts on this? Look what's going on over here. What's happening?

• 51:42Speaker 03

  I think that they're both at what's end. One with family life and the other with work life, which I've been saying for some time now.

• 51:52Caleb Hammer?

  What's your solution to that?

• 51:53Speaker 03

  Joey's not in school, so he doesn't have as much stress on his plate now. I'm hoping that having him involved more with the kids will help mom feel a little better. I also think that mom just needs to go back to work.

• 52:04Speaker 04

  I do need to go back. Well, I am back at work now.

• 52:07Caleb Hammer?

  Well, what about the school thing that you guys just got into?

• 52:09Speaker 04

  So, waiting on an interview, and if I get that interview, it starts October 2026.

• 52:14Caleb Hammer?

  And we can't work as much, at least.

• 52:16Speaker 03

  I'm doing work in school. I've done it before.

• 52:18Caleb Hammer?

  Yeah, you have to.

• 52:19Speaker 03

  Yeah, I've done it before. I'll do it again.

• 52:20Speaker 04

  But also with the eating out, I know a large portion of that is probably on Ella's plate.

• 52:28Speaker 03

  I think I have like 300.

• 52:31Caleb Hammer?

  Well, 300 would be about her portion if we're splitting it in thirds, by the way. But either way, either way, if we're trying to combine, this is what combined looks like. If that is our ultimate objective, this is what combined looks like.

• 52:44Speaker 04

  When I'm doing all of this stuff out with the kids,

• 52:49Speaker 04

  everything's expensive. And so when they want something, I have, things have been stressful at home, and I cave. I do. I cave when it comes to the kids. When they want to go and have McDonald's, I do it.

• 53:03Caleb Hammer?

  Well, you're making their future harder.

• 53:04Speaker 04

  I am. And I understand that.

• 53:05Caleb Hammer?

  How you feeling, Joey?

• 53:10Speaker 05

  I knew this was gonna be rough.

• 53:13Speaker 05

  This, this is shocking.

• 53:22Speaker 00

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• 53:49Speaker 05

  I'm sorry.

• 53:50Caleb Hammer?

  It's okay. Listen buddy, a little bit of tough love here.

• 53:54Speaker 05

  No, I.

• 53:55Caleb Hammer?

  You're Assange libertarians, let me give you some Ron Swanson, okay?

• 54:00Speaker 05

  Thank you.

• 54:01Caleb Hammer?

  This is all your choice. This is all personal responsibility. If you choose not to be involved, then it goes off the cliff. You got a bit of responsibility in there. And unfortunately, the only way to take care of your fiscal responsibility is to be involved and get in there. You gotta cut. You gotta cut that government spending in your budget. This is bloat. This is pig. This is pork. You got pork bloat going on here, buddy? And you're not collecting enough tax revenue because you gotta she's getting tax subsidized right now. Okay, that's what's going on.

• 54:36Speaker 05

  I, you know, I I knew that there was a lot of interest. I knew there was a a lot of stuff that got run up. But there's a lot that's going on here that doesn't make sense. There's a lot of numbers here.

• 54:52Speaker 04

  I do know that a lot of the the stuff that is like Walmart and all of that is gonna be a lot of food. We have a huge and I know this is a problem. We have a huge grocery budget with feeding a lot of people.

• 55:04Caleb Hammer?

  Wasn't that crazy? But even are your parents? What's your parents contributing? You said a flat rate. What is that?

• 55:09Speaker 04

  A thousand dollars.

• 55:10Caleb Hammer?

  That helps. Highly doubt enough.

• 55:13Speaker 04

  We we buy most of the groceries and so I do know if when you see those Walmart charges, that's groceries. It's gonna be mostly groceries, kids clothes, that sort of thing. But we probably are spending.

• 55:29Speaker 04

  I I know every time I go to the grocery store, I'm spending somewhere between two and $400 and I go twice a week.

• 55:38Speaker 03

  May I chime in on this?

• 55:39Speaker 04

  Yeah.

• 55:41Speaker 03

  The palate is also-

• 55:42Caleb Hammer?

  Do you have to ask permission?

• 55:43Speaker 03

  I just don't want to interrupt. I just don't want to interrupt.

• 55:45Speaker 04

  She doesn't like interrupting.

• 55:46Speaker 03

  Um... The food that is eaten in the house is a bit... It could be on the cheaper side. It is on the bougie side.

• 55:55Speaker 04

  It is.

• 55:56Speaker 03

  It is on the bougie side. I'm used to eating a lot cheaper.

• 55:59Caleb Hammer?

  Did you're 300 behind on a credit card? Why do we get to get the bougie groceries?

• 56:02Speaker 05

  Excuse me, to correct, 3,000.

• 56:04Caleb Hammer?

  3,000.

• 56:05Speaker 05

  Behind on a credit card.

• 56:06Caleb Hammer?

  Yeah, on the first... We've looked at one credit card. One credit card. 3,000.

• 56:12Speaker 03

  I'm not saying that's gonna like cure everything, but I know a little things. And I know that I'm a problem too. I get fast food. I'm just as bad. But I do know that like some of the food, it's like-

• 56:23Speaker 04

  Yeah, we do.

• 56:24Speaker 03

  You don't have to get like certain things. You can have a couple like... It could be a big struggle meal and it, you know, and still be good and... Not maybe not delicious, but good enough.

• 56:33Speaker 04

  We are giant foodies and I know it's a problem. I do know it is a problem.

• 56:38Caleb Hammer?

  I'm just saying, look at what we are doing when we're behind on credit cards. You say, "Oh, I made all my payments on everything else, so that's why I can't make this thousand dollar." $2,660 at a minimum. Minimum, minimum on bullshit. You could have almost made the entire back payment. And within two months, just by not having that bullshit, you would have.

• 56:58Speaker 04

  Okay.

• 56:59Caleb Hammer?

  Alright, what am I looking at here?

• 57:02Caleb Hammer?

  I have no... It's a principal balance of $16,586,025. And an interest rate of 10%. What am I looking at?

• 57:09Speaker 04

  Uh, that is the loan we got.

• 57:13Caleb Hammer?

  A personal loan?

• 57:14Speaker 04

  Yes.

• 57:15Caleb Hammer?

  Okay, who's?

• 57:16Speaker 04

  Ours.

• 57:17Caleb Hammer?

  You're on it together.

• 57:18Speaker 04

  Yes, that was from New Hampshire.

• 57:19Caleb Hammer?

  What the fuck, New Hampshire? What do you mean, personal loan for New Hampshire?

• 57:22Speaker 04

  It was to fix up the house that we got in New Hampshire, but then we ended up having-

• 57:25Caleb Hammer?

  What did you buy the house for?

• 57:28Speaker 04

  The price? Uh, I actually don't really... I think it was 140.

• 57:32Caleb Hammer?

  140?

• 57:32Speaker 04

  I think so.

• 57:34Caleb Hammer?

  What did you sell it for?

• 57:36Speaker 04

  Uh, 135. So that loan ended up actually... You're right.

• 57:43Caleb Hammer?

  And you're gonna do that again?

• 57:48Caleb Hammer?

  You said her mom has the track record of going in and just getting properties she can't afford, fucking around and then selling it for like a loss? I think that's your guys' track record too.

• 58:00Speaker 05

  It's starting to feel that way, isn't it?

• 58:02Caleb Hammer?

  Mm-hmm.

• 58:04Speaker 04

  There are the two houses we sold then at a very nice profit.

• 58:10Caleb Hammer?

  Two for four.

• 58:11Speaker 04

  Yeah.

• 58:12Speaker 05

  It's not a good batting record.

• 58:14Caleb Hammer?

  Okay, so this is a person alone on a house that's long gone, essentially.

• 58:18Speaker 04

  Yes.

• 58:20Caleb Hammer?

  That's insane. I'm already just hearing this conversation, Alice, so far. Are you not nervous to get involved on this on a deeper level? Because oh my, I would be.

• 58:29Speaker 03

  I did hear a little bit about this.

• 58:32Caleb Hammer?

  Look what we've heard so far.

• 58:33Speaker 03

  I I recommended the show to them.

• 58:36Caleb Hammer?

  Really?

• 58:36Speaker 03

  Yeah, because I was like, I know that they have some issues. And I started kind of watching the show and I was like, oh, it's kind of getting back on track with my financial stuff. And I think that they really needed the help.

• 58:46Speaker 04

  Yeah, and I was gung ho about it like when she told me about it. We immediately signed up.

• 58:51Speaker 03

  Yeah.

• 58:51Caleb Hammer?

  And I know you almost didn't come on the show.

• 58:54Speaker 05

  No, I um, I, if I see an advertisement for a bank on my phone, I scroll very quickly past it. I.

• 59:04Caleb Hammer?

  I sympathize.

• 59:05Speaker 05

  I've got really bad agita and um.

• 59:08Caleb Hammer?

  Have you ever talked to someone about this, a therapist about this phobia? Because.

• 59:12Speaker 05

  No, no.

• 59:14Caleb Hammer?

  Because you're libertarian doesn't mean you have to disagree with therapy.

• 59:18Speaker 04

  Yeah, we've had, we've had this conversation.

• 59:20Speaker 05

  I'm a libertarian and a pain in the ass.

• 59:24Speaker 04

  Who knew?

• 59:24Caleb Hammer?

  They usually go hand in hand, yeah. Your brain's a brain, dude. There's people who study it. There's some enablement therapists out there, there's some TikTok bull people out there. There's some people that will actually help. There's some good people, you got to shop around and I don't think you probably have an extensive selection in the area. You might have to go virtual, but there are actual therapists that focus on a specific phobia like you have. I have one that focuses on mine. And I did a, again, I told you about how I conquered it this weekend. That's crazy, never thought I would. You can do that and it can be a whole other life on the other side.

• 59:59Speaker 03

  I mean, once he's informed, like it's the unknowing that's even more scary. I mean, yeah, stressful to know, but at least you have a goal and a way to progress. When you don't know, it's like, well. I'm crushed, but I don't know how crushed.

• 1:00:12Speaker 04

  And like, I got us, I got us out of debt the first time, but it wasn't so hard, you know?

• 1:00:17Caleb Hammer?

  First time? You've gotten out of debt before?

• 1:00:19Speaker 04

  So when I'm-

• 1:00:20Caleb Hammer?

  When?

• 1:00:21Speaker 04

  When I met him, he also had-

• 1:00:23Caleb Hammer?

  What was that? Eight, is that what you said?

• 1:00:25Speaker 05

  Eleven years ago.

• 1:00:26Speaker 04

  Eleven years.

• 1:00:27Speaker 05

  Eleven?

• 1:00:28Caleb Hammer?

  Whoa, whoa, whoa, who's this? This sixteen year old? Was that from him?

• 1:00:31Speaker 04

  No, so it's my sister's child.

• 1:00:33Caleb Hammer?

  Oh, okay, sure, why not?

• 1:00:37Caleb Hammer?

  Yeah, that makes sense. Okay.

• 1:00:38Speaker 04

  So-

• 1:00:39Caleb Hammer?

  So you got out of debt when you guys first met, eleven years ago? Tell me about that.

• 1:00:43Speaker 04

  So, he didn't want me dealing with the finances. He was very much, so I can do it myself, but then we were getting a lot of red slips in the mail. Um, and it finally came to a point where I'm like,

• 1:00:57Speaker 04

  this isn't gonna work, like, you need to pay your bills. And so I found all of the bills, gathered them up, and it wasn't much, but then, uh, yeah, we-

• 1:01:08Caleb Hammer?

  Then how did we not learn from our behavior there and not want to approach that same situation again? Because now we're there, again.

• 1:01:14Speaker 04

  Yeah.

• 1:01:14Caleb Hammer?

  But worse, probably.

• 1:01:15Speaker 04

  It's way worse.

• 1:01:16Speaker 05

  No, it's way worse.

• 1:01:17Speaker 04

  This is, this has never happened to us before.

• 1:01:19Speaker 03

  And over the six years, like-

• 1:01:21Speaker 04

  We were doing so good.

• 1:01:22Speaker 03

  They were making good money, so they got into a certain type of lifestyle, and I think they haven't adjusted.

• 1:01:27Speaker 04

  We did.

• 1:01:27Caleb Hammer?

  Now, fuck yeah.

• 1:01:28Speaker 04

  It will. Yeah, it will.

• 1:01:30Caleb Hammer?

  So sixteen thousand, five hundred eighty-six thousand, twenty-five cents on a personal loan for a house we lost money on, didn't, okay, great. Three hundred and fifty-three dollars and eighty-nine cents is your minimum monthly payment with an interest rate of ten percent. Yeah, not beating the market with that one, if you're investing, overall, in the general stock market, stock market. Fuck shit. Listen, I mean, I'll immediately, I'll get you guys a course career certification. If you don't get into the, you know, you all can have one. Uh, but primarily for you, if you don't get into the school, try to get something there and get yourself a better job. Like, that has increased people's incomes and got them into new career fields substantially.

• 1:02:08Speaker 04

  If this doesn't work, uh, my, my backup is phlebotomy.

• 1:02:12Caleb Hammer?

  Okay. Um, we'll get you guys the FIS card as well. It's a debit card that builds credit, so no more credit cards, because look what you did with the first one. The platinum is insane.

• 1:02:21Speaker 04

  I want them gone.

• 1:02:22Caleb Hammer?

  Okay, now I'm looking at a Visa signature.

• 1:02:26Speaker 04

  Yes.

• 1:02:27Caleb Hammer?

  Whose is this?

• 1:02:27Speaker 04

  Us.

• 1:02:28Caleb Hammer?

  You guys are on together?

• 1:02:29Speaker 04

  Yeah, all of us are together.

• 1:02:32Caleb Hammer?

  Feel very included?

• 1:02:34Speaker 03

  Oh, maybe eventually.

• 1:02:37Caleb Hammer?

  You ever get points fatigue, way too much confusion? Which card should I be using to maximize points? What are those points actually worth? A free airline peanut? Great. Today, we've partnered with Gemini to showcase the only instant Bitcoin Rewards credit card. And here's why I love this card. You're not trying to time the markets. You invest while you spend. Every purchase earns Bitcoin instantly. You get up to 4% back on transportation, 3% on dining, 2% on groceries, and 1% on everything else. That's not points, it's Bitcoin. The Bitcoin credit card is a super simple way to get into Bitcoin without actually buying it. You just use your card like normal and earn Bitcoin back instead of points or miles.

• 1:03:20Caleb Hammer?

  Bitcoin rewards earned and held for one year on the Gemini credit card have appreciated 277% on average. You're investing as you spend. Truly a no-brainer. To sign up for the Bitcoin credit card, head to gemini.com/caleb and get $200 in Bitcoin when you spend $3,000 in your first 90 days. You can see if you're eligible with no impact on your credit score. Click the link below or go to gemini.com/caleb to apply and start earning instantly. See rates and fees in the description for more info. This isn't what I would want to be.

• 1:03:52Speaker 04

  I don't think she wants to be included on this.

• 1:03:54Caleb Hammer?

  No.

• 1:03:55Speaker 03

  When the debt's cleared up, uh, no.

• 1:03:57Caleb Hammer?

  7,203.35. Minimum monthly payment of $226. It's pretty close to maxed out. You made your minimum monthly payment. Can someone pull up this card on their phone?

• 1:04:13Speaker 04

  Hmm, maybe.

• 1:04:14Caleb Hammer?

  Because, again, you're not sending statements here, you're sending a screenshot of a website.

• 1:04:18Speaker 04

  Yeah.

• 1:04:19Caleb Hammer?

  This is for a cash rewards Visa signature. I need to see if there's any purchases, I need to see what's going on.

• 1:04:25Speaker 04

  Is that Bank of America?

• 1:04:26Caleb Hammer?

  When you paid this off, you took out a 401K loan to pay this off. So it wasn't even disciplined.

• 1:04:34Caleb Hammer?

  Right? Right?

• 1:04:37Speaker 04

  I did know about that one.

• 1:04:38Caleb Hammer?

  Oh, for f*** sake! Guys, how much should we pull from who's 401K?

• 1:04:45Speaker 05

  Who's 401K do you think it is?

• 1:04:46Speaker 04

  Oh, we are past due on that one. I gotta pay that. So this is, that's right here.

• 1:04:50Caleb Hammer?

  Is it yours?

• 1:04:51Speaker 05

  Of course.

• 1:04:52Caleb Hammer?

  Why, why of course to be yours? Well, because you would have contributed more, I assume. How much did you pull out?

• 1:04:58Speaker 05

  How much should we pull out?

• 1:05:00Speaker 04

  For...

• 1:05:02Speaker 05

  Mike.

• 1:05:02Speaker 04

  I'm trying, I'm trying to think. Which one was that?

• 1:05:05Caleb Hammer?

  Because of his Visa signature card?

• 1:05:07Speaker 04

  Yeah.

• 1:05:08Caleb Hammer?

  What's the minimum? They pay me double all of a sudden! Oh, you're past due a payment! Past due a payment now! The past due a payment now, guys!

• 1:05:16Speaker 04

  I didn't realize that one wasn't on auto pay.

• 1:05:19Caleb Hammer?

  Guys, what are we... It's worse!

• 1:05:23Speaker 05

  It's worse.

• 1:05:23Speaker 04

  So... What is...

• 1:05:26Caleb Hammer?

  Dude, duh!

• 1:05:28Speaker 04

  What is, um...

• 1:05:31Caleb Hammer?

  I need you to open it again. Sake!

• 1:05:35Speaker 04

  I don't remember. I honestly don't remember. I think we only ever took out the, did we take out? We took out the 401K loan for the funeral, but I think the only other one we took out before that was at the 10,000?

• 1:05:47Caleb Hammer?

  Twice? You took out twice?

• 1:05:49Speaker 04

  Yeah. I can pay that now.

• 1:05:52Speaker 05

  Well, the second one was to pay for a funeral.

• 1:05:55Caleb Hammer?

  Which, again, that's an emergency. I can kind of, but you've done it twice. We're just not learning behavior.

• 1:06:00Speaker 05

  Nope.

• 1:06:01Caleb Hammer?

  We're not learning for behavior. And now we're past due on our second card, and my team didn't even know that!

• 1:06:08Speaker 04

  Yeah.

• 1:06:10Caleb Hammer?

  Didn't even have that. This is worse than even they thought, and they knew this was completely f***ed, and they reviewed. I'm sorry.

• 1:06:18Speaker 05

  Yeah, Caleb, you mind if I take a second? Can you guys?

• 1:06:21Caleb Hammer?

  Take a second.

• 1:06:22Speaker 05

  Thank you.

• 1:06:23Caleb Hammer?

  I do want you to be informed about the full situation, though, still. I know it's hard.

• 1:06:32Speaker 00

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• 1:07:05Speaker 04

  I gotta call Dividend and have them put that back in there.

• 1:07:08Caleb Hammer?

  Buddy, just open up. I need to see this card.

• 1:07:10Speaker 03

  That was the card.

• 1:07:11Caleb Hammer?

  I need to see it. All I saw was that you had a double payment.

• 1:07:13Speaker 03

  The scroll.

• 1:07:14Caleb Hammer?

  Yeah.

• 1:07:16Speaker 03

  Sorry.

• 1:07:16Caleb Hammer?

  How's Guy doing?

• 1:07:19Speaker 03

  Not great. I knew this was going to be really, really tough because he doesn't know anything.

• 1:07:24Caleb Hammer?

  What do you like more? Does it work like that?

• 1:07:27Speaker 03

  No, no. I mean, Joey and I started dating first and then Ariel.

• 1:07:32Caleb Hammer?

  And you weren't jealous when they were dating?

• 1:07:35Speaker 04

  Um, there was issues, but it wasn't initially.

• 1:07:39Caleb Hammer?

  Who would've thought?

• 1:07:40Speaker 04

  But it was more of, we actually started dating together first, the very first time.

• 1:07:48Speaker 04

  And I had brought up concerns. I had brought up concerns that...

• 1:07:55Caleb Hammer?

  This isn't, what, rewards? I don't care about rewards. What are you, where are you?

• 1:07:59Speaker 04

  I don't know.

• 1:08:00Caleb Hammer?

  Dude, just get me to the fucking credit card.

• 1:08:04Speaker 04

  That she wasn't really into women. And so when...

• 1:08:08Caleb Hammer?

  That's complicated.

• 1:08:10Speaker 04

  Yeah. And Joey kept saying, "No, it's fine." And then it turned out, no, she really didn't think she was at the time.

• 1:08:19Speaker 03

  Wasn't sure. I wasn't sure.

• 1:08:20Speaker 04

  So then we were, you know, on a break for a while. And then we had a lot of discussions when we finally did get back together. And things have been like way better, like way better.

• 1:08:33Caleb Hammer?

  Sakes, such a mess. I'm glad there's at least no purchases on there this last one. They can't, I mean, they're behind. They're behind.

• 1:08:43Caleb Hammer?

  What do you think we should do for him? So he just needs like a few minutes?

• 1:08:46Speaker 03

  Yeah, he probably needs a minute.

• 1:08:47Speaker 04

  He's probably gonna need some time. He's probably gonna need time, like a lot.

• 1:08:53Caleb Hammer?

  Well, before he comes back on?

• 1:08:54Speaker 04

  He's very angry and he's going to hold a lot of anger specifically at me.

• 1:08:58Caleb Hammer?

  How does that look? How does that usually, what usually happens then?

• 1:09:01Speaker 04

  He's gonna shut down. He's going to completely shut down.

• 1:09:06Caleb Hammer?

  Why do you? No, I mean, you're behind on everything. Look what your choices have done. You this. Yeah, Tim.

• 1:09:15Speaker 04

  Yeah.

• 1:09:16Caleb Hammer?

  It's not fair.

• 1:09:17Speaker 04

  It's not.

• 1:09:18Caleb Hammer?

  And it's, I listen, starting down is not the most productive way to deal with things, but yeah, he deserves to be upset.

• 1:09:24Speaker 04

  And he can be, but he was also asked on multiple occasions to be involved in the finances. And he opted not to. So here we are. And that's why we're here.

• 1:09:38Caleb Hammer?

  We need a Joey replacement.

• 1:09:40Speaker 04

  We need a Joey.

• 1:09:41Caleb Hammer?

  You're looking for a, you're looking for a fourth. I have an applicant.

• 1:09:45Speaker 04

  And he's cute. Hi. How do you feel about Arizona?

• 1:09:52Speaker 06

  Ladies, I'm from Arizona.

• 1:09:53Speaker 04

  There we go. Oh, and he smells nice, too. I'm digging this.

• 1:09:57Caleb Hammer?

  Enjoy.

• 1:09:58Speaker 04

  Joey 2.0.

• 1:09:59Speaker 06

  I need the rest of the day off, boss.

• 1:10:02Caleb Hammer?

  Yeah. By the way, when I told him to come on, he was doing this heavily in the back.

• 1:10:06Speaker 04

  Never. Joey would not. If I know Joey like I know Joey.

• 1:10:12Caleb Hammer?

  So Joey, you're pretty upset? Because this is kind of.

• 1:10:16Speaker 06

  It's bad.

• 1:10:17Speaker 04

  It's bad.

• 1:10:18Speaker 06

  From hearing it from over there, it's pretty bad.

• 1:10:20Caleb Hammer?

  Yeah, she's behind on two payments. So far.

• 1:10:25Speaker 04

  Yeah.

• 1:10:25Caleb Hammer?

  Big guy, your money that you go earn.

• 1:10:31Speaker 00

  Life is all about making decisions. Sometimes you make questionable ones, like buying a new TV that's too big for the wall because the electronics store employee was a little too good at their job. Then sometimes you make great ones, like protecting your home and auto with Progressive. You get customized coverage options so you can be sure you have the right coverage. Get your quote today at progressive.com. Progressive Casualty Insurance Company affiliates and other insurers not available in all states.

• 1:11:01Speaker 04

  Yeah, I'm a, sorry.

• 1:11:05Speaker 06

  You said it.

• 1:11:11Caleb Hammer?

  Yeah, your tone's not very apologetic, I'll be honest.

• 1:11:13Speaker 04

  No. I'm a bit.

• 1:11:17Caleb Hammer?

  That's what you want.

• 1:11:20Speaker 03

  Um.

• 1:11:20Caleb Hammer?

  She's very happy about it.

• 1:11:22Speaker 03

  It's, it's, it's, it's a very strange coping mechanism. It is.

• 1:11:27Speaker 04

  I cope with comedy.

• 1:11:28Caleb Hammer?

  Why the [bleep] you want to be involved in this? That's comedy?

• 1:11:31Speaker 04

  Oh, yeah.

• 1:11:31Caleb Hammer?

  Wow, okay.

• 1:11:32Speaker 06

  Being, being broke is comedy?

• 1:11:33Caleb Hammer?

  Get her on Kill Tony.

• 1:11:36Speaker 03

  I think it's a good, like I said, I think it was a good wake-up call for, for both of them, for, for Joey to know the situation and for

• 1:11:44Speaker 04

  He needed to know.

• 1:11:45Speaker 03

  Alice to know where, you know, the spending is going, like.

• 1:11:50Speaker 04

  Really, yeah, no, fully where everything's going.

• 1:11:52Caleb Hammer?

  Is that a wake-up call to you? About what the [bleep] you're getting into?

• 1:11:55Speaker 03

  Specifics, yes.

• 1:11:56Caleb Hammer?

  It should be.

• 1:11:57Speaker 03

  I did know that it was already pretty bad. I was aware it was, it was quite bad.

• 1:12:02Caleb Hammer?

  Yeah, but the debt, you guessed, was $200,000 under the reality of the debt.

• 1:12:06Speaker 03

  Yeah.

• 1:12:07Caleb Hammer?

  Okay, I mean, I have this prime visa, but I don't have like a, again, you guys aren't giving statements. Someone pull up the, the, the, the Chase Prime Visa. Is, is that you and Joey?

• 1:12:16Speaker 03

  Yeah.

• 1:12:18Speaker 04

  I don't know if I can get that.

• 1:12:19Speaker 03

  How's that one look, Joey?

• 1:12:21Speaker 06

  Uh, if we're gonna take the, uh, data from the past too, probably [bleep].

• 1:12:25Caleb Hammer?

  New Jersey accent, please.

• 1:12:26Speaker 03

  Yeah.

• 1:12:27Speaker 06

  For taking the data from the past too, probably [bleep].

• 1:12:31Speaker 03

  That's good.

• 1:12:33Caleb Hammer?

  Who sleeps in the middle?

• 1:12:35Speaker 03

  Alice.

• 1:12:36Caleb Hammer?

  That sucks.

• 1:12:37Speaker 04

  I actually like it.

• 1:12:38Caleb Hammer?

  Really? It's so warm.

• 1:12:40Speaker 04

  Yeah, it's so cozy.

• 1:12:41Speaker 03

  Yeah, I need the edge. I'm a, I'm a rotisserie chicken at night.

• 1:12:44Caleb Hammer?

  I feel like someone's getting edged the whole time, that's for sure.

• 1:12:46Speaker 03

  There you go.

• 1:12:47Caleb Hammer?

  You could have had a statement in about 15 seconds. This would, this would have been so easy. Okay, uh, here we go. We owe $3,863.86. Wonderful. First time hearing this, big guy, huh?

• 1:13:07Caleb Hammer?

  With a minimum monthly payment of $116.

• 1:13:12Caleb Hammer?

  Should we check on him?

• 1:13:16Caleb Hammer?

  Yeah, you wanted to see how he's doing?

• 1:13:18Speaker 04

  Oh.

• 1:13:18Caleb Hammer?

  Oh, he's here. Yeah, we don't want him to get jealous.

• 1:13:23Speaker 05

  He's gonna be jealous.

• 1:13:24Speaker 04

  No, he doesn't. He doesn't really get jealous.

• 1:13:26Caleb Hammer?

  In fact, he might just want your hole.

• 1:13:31Caleb Hammer?

  Big guy. Welcome back. The seat will be a little warm.

• 1:13:37Speaker 04

  Yeah.

• 1:13:38Caleb Hammer?

  We had someone sitting down. Did it help? Take it a lap?

• 1:13:42Speaker 05

  Yeah, a little fresh air goes a long way.

• 1:13:45Caleb Hammer?

  Yeah.

• 1:13:46Speaker 05

  Sorry, let me get.

• 1:13:46Caleb Hammer?

  Well, we just unlocked a credit card of $3,863.86 to bring you back down.

• 1:13:52Speaker 05

  Thank you.

• 1:13:52Caleb Hammer?

  You're welcome. With purchasing, we're purchasing on a credit card that will not be paid off. Minimum monthly payment without any purchases alone. This is your least. This is your smallest balance so far.

• 1:14:03Speaker 04

  Yeah.

• 1:14:03Caleb Hammer?

  What do we think? How long do we think it takes to pay off without purchasing, of which, by the way, we are purchasing?

• 1:14:08Speaker 04

  Probably like 10 years, 15 years.

• 1:14:10Caleb Hammer?

  Okay.

• 1:14:11Speaker 05

  I was just gonna assume 10, yeah.

• 1:14:12Caleb Hammer?

  Yeah, 15. 15. And this is our smallest balance. Smallest balance.

• 1:14:20Caleb Hammer?

  Yeah, you're gonna be like mid 50s.

• 1:14:23Speaker 05

  Oh, that's great. And then that one will be paid off. That one will be paid off.

• 1:14:29Caleb Hammer?

  Well, if we don't purchase, but all we do is purchase. In fact, what did the purchase look like? I will tell you.

• 1:14:35Speaker 05

  Who's purchasing?

• 1:14:35Caleb Hammer?

  Amazon, Amazon, Amazon, Grubhubbing, Whataburger. Family Dollar, Valley Sleep Center.

• 1:14:43Speaker 04

  That was for my medical.

• 1:14:44Caleb Hammer?

  USAA.

• 1:14:46Speaker 04

  Yes.

• 1:14:47Caleb Hammer?

  Is this you guys again?

• 1:14:48Speaker 04

  Yes.

• 1:14:49Caleb Hammer?

  Wow, okay, everything is done.

• 1:14:51Speaker 04

  I don't have any credit cards open.

• 1:14:54Caleb Hammer?

  Why are we bringing in? Why would you want to come into this? Like, I understand, okay, you love him. Why would you want to come into this the way the account combined? Do you just want to combine so that we have for income?

• 1:15:06Speaker 04

  No.

• 1:15:06Caleb Hammer?

  Like, because you guys are [bleep] together, you two. I don't know how you would survive.

• 1:15:11Caleb Hammer?

  There's no malicious intent here.

• 1:15:13Speaker 04

  No, whatsoever.

• 1:15:14Caleb Hammer?

  You don't [bleep]. Okay.

• 1:15:18Caleb Hammer?

  USAA, we have a credit card

• 1:15:23Caleb Hammer?

  balance of $3,907.37. It's at a 20.15% interest rate.

• 1:15:30Speaker 05

  What was that interest rate?

• 1:15:32Caleb Hammer?

  20.15.

• 1:15:33Speaker 05

  Thank you.

• 1:15:34Caleb Hammer?

  And they're all gonna be around 30, by the way, so this one's actually even better than the others.

• 1:15:39Caleb Hammer?

  With a limit of 4,400, so we're not that far from the limit by any means. We're going and we're stopping in, we're getting some bull we're stopping in, we're getting some bull Paris bag gap, canteen vending machine.

• 1:15:51Speaker 04

  That's you. The vending machine.

• 1:15:53Speaker 05

  On the credit card?

• 1:15:53Caleb Hammer?

  So big guy, here is what's going on. You are spending money on a credit card that does not have much more money to spend on that is accruing interest. So this is where being informed on the facts of your financial situation is important, because you cannot be going and blowing all this money.

• 1:16:11Speaker 05

  I, I

• 1:16:12Caleb Hammer?

  Who's stopping in the gas stations and getting just small little things? Because that's not gas purchases. We're not getting $3.65 a gas, huh? So what are you getting?

• 1:16:20Speaker 05

  Uh, breakfast.

• 1:16:22Caleb Hammer?

  Okay.

• 1:16:23Speaker 05

  Yeah.

• 1:16:23Caleb Hammer?

  We gotta be packing breakfast or making breakfast.

• 1:16:26Speaker 05

  Yeah.

• 1:16:26Caleb Hammer?

  Okay?

• 1:16:26Speaker 05

  Yeah, cool.

• 1:16:27Caleb Hammer?

  And if you're gonna stay at home, make it.

• 1:16:30Speaker 04

  Yeah.

• 1:16:30Caleb Hammer?

  Contribute in that way.

• 1:16:31Speaker 04

  And I was for a long time. Like, I really, we were doing overnight oats and stuff like that. The last few years have really, really cut deep, so, and I was

• 1:16:43Caleb Hammer?

  So we have to

• 1:16:44Speaker 04

  No.

• 1:16:44Caleb Hammer?

  What?

• 1:16:44Speaker 04

  No, so we were just talking last night about getting back to a normal

• 1:16:49Caleb Hammer?

  We have lots of breakfast in this. We'll give you guys this, and it's butcher friendly.

• 1:16:52Speaker 04

  I'm actually very excited about that. I saw a cookbook and I'm all about cookbooks.

• 1:16:56Caleb Hammer?

  Well, I wish you can actually cook. Look, here we go. I mean, this is more, it's more savory, but you can have deviled eggs in the morning, okay?

• 1:17:03Speaker 04

  You love a good deviled egg.

• 1:17:06Speaker 04

  She does.

• 1:17:09Caleb Hammer?

  Yeah, cuz you went and stopped in and got breakfast a few times and then the vending machine and the Paris baguette for 40 bucks.

• 1:17:14Speaker 04

  The Paris baguette was us. That was us.

• 1:17:18Speaker 05

  Nice little sweet treat.

• 1:17:19Speaker 04

  We did get a little sweet treat.

• 1:17:21Caleb Hammer?

  A little sweet treat.

• 1:17:23Speaker 04

  Yeah, that was at my neurologist appointment. Yeah.

• 1:17:26Caleb Hammer?

  And listen, I wanna know your perspective on this. Um, Joey. Uh, being a self-confessed libertarian yourself.

• 1:17:35Speaker 05

  Yep.

• 1:17:36Caleb Hammer?

  That usually advocates for personal responsibility only. Like, there's nothing outside of that. What do you think? What do you think now that you're hearing all this? How that vibes?

• 1:17:45Speaker 05

  I... I was under the impression that, uh... I-I could trust that this was getting taken care of. And it clearly hasn't been. And I can see that she-

• 1:18:03Speaker 04

  Inspect, don't expect.

• 1:18:07Caleb Hammer?

  Hey, maybe let's let him answer.

• 1:18:10Speaker 05

  She loves me and she doesn't wanna upset me. And I've-I've really done a fine job of-of putting myself into a situation where I'm sure she feels that I'm unapproachable on this. And the consequences of it are clear.

• 1:18:28Caleb Hammer?

  Do you not feel she controls?

• 1:18:31Speaker 05

  I... There are parts of life that you don't care that much about. There's plenty of my life I don't care about. I didn't think this was... I had no idea it was this bad and this stupid. It's one thing to be bad, it's another thing to be stupid. And I'm-I'm shocked to find out how much it is both, uh, today. And I realize that I'm... If I want out of this, I'm gonna have to be part of the solution. And I can't just walk away from it and hope that, um, other people are gonna make my life better. I-I... This is-

• 1:19:13Caleb Hammer?

  What are you seeing in the dynamic coming into this?

• 1:19:16Speaker 03

  Um, a lot of fear from Joey. Um, I know I came in at a very stressful time. Um.

• 1:19:24Caleb Hammer?

  And are you sure they aren't like cope loving because sometimes people look for extra things when life is hard, you know, they want to shake things up. Are you sure that once life gets back to normal that the place for you is there as much as it is today?

• 1:19:41Speaker 03

  We've had feelings for each other for years and years. Um, I've been in the position where I'm like, I'm not, I'm not ready.

• 1:19:48Caleb Hammer?

  How did she convince you to enjoy vagina?

• 1:19:54Speaker 03

  Uh, she's a great talker. Uh.

• 1:20:00Speaker 04

  Ladies.

• 1:20:03Caleb Hammer?

  Department of Education, who?

• 1:20:05Speaker 04

  Um.

• 1:20:06Caleb Hammer?

  Uh, this is with Nell Nat?

• 1:20:08Speaker 04

  Yeah, that's mine.

• 1:20:09Caleb Hammer?

  Hey, it looks like total of...

• 1:20:15Caleb Hammer?

  Does everyone have student loans or is it just you?

• 1:20:17Speaker 03

  I don't have any.

• 1:20:18Speaker 04

  Just me.

• 1:20:18Caleb Hammer?

  $21,169 for what? And of course, you're the one making no money.

• 1:20:23Speaker 04

  You know, actually, I need to contact about them about that because it switched over.

• 1:20:28Caleb Hammer?

  To Nell Nat?

• 1:20:29Speaker 04

  To Nell Nat, from another company, from, uh, Great, uh, Great Lakes.

• 1:20:33Caleb Hammer?

  Great Lakes, yep.

• 1:20:34Speaker 04

  And when I had last checked with Great Lakes, it was only at 12,000, but when it switched over...

• 1:20:39Caleb Hammer?

  This was probably interest that accrued while it was all being like no payment required, dude.

• 1:20:44Speaker 04

  So when it, the last, but that's when the last time I checked with them, it was at 12,000. Then when it switched over, it was at 21, and I was very confused by that.

• 1:20:52Caleb Hammer?

  I would not be surprised if it's 21,069. So we're gonna go off of that. I'm sure it sat there in accrued interest when payments required were zero. What's the status of these today? I know we're talking about getting back to school. Deferred until...

• 1:21:04Speaker 04

  Right. Uh, next year?

• 1:21:07Caleb Hammer?

  I think November.

• 1:21:09Speaker 04

  No, no, uh, there I-

• 1:21:10Caleb Hammer?

  You requested an extra.

• 1:21:11Speaker 04

  I requested an extra.

• 1:21:13Caleb Hammer?

  Why? You guys make money as a household and tax returns. I'm surprised they even allowed it.

• 1:21:18Speaker 04

  Yeah, those are deferred currently.

• 1:21:20Caleb Hammer?

  Well, payment's gonna be about, if you wanna get it paid in about 10 years, 250 bucks a month added to your guys' stack.

• 1:21:27Speaker 04

  Yeah.

• 1:21:28Caleb Hammer?

  Extra 250, gone like that!

• 1:21:30Speaker 04

  Yeah.

• 1:21:31Caleb Hammer?

  Why haven't you been paying on these?

• 1:21:33Speaker 04

  Just hasn't been-

• 1:21:34Caleb Hammer?

  What did you get a degree in? Did you get a degree?

• 1:21:36Speaker 04

  So I got a certificate. I wanted to go in for-

• 1:21:39Caleb Hammer?

  Certificate in what?

• 1:21:40Speaker 04

  Automated computer specialist, back when that-

• 1:21:42Caleb Hammer?

  Midy computer specialist?

• 1:21:44Speaker 04

  Automated computer specialist.

• 1:21:46Caleb Hammer?

  Okay.

• 1:21:46Speaker 04

  And that was back when that meant something, and now it doesn't. It's now a fancy word for, "I can be a secretary." Um, but it did get me a job-

• 1:21:55Caleb Hammer?

  Why not go be a secretary? Make money.

• 1:21:58Speaker 04

  Because nobody cares about that. Everybody now wants-

• 1:22:00Caleb Hammer?

  There are secretaries.

• 1:22:01Speaker 04

  An associate's or a bachelor's in something or the other.

• 1:22:03Caleb Hammer?

  Wants, but that's their perfect dream situation, doesn't mean you shouldn't apply and-

• 1:22:07Speaker 04

  Oh, I have been applying. I apply basically anything that makes-

• 1:22:10Caleb Hammer?

  Well, I'm sure there's not many opportunities in that area, no offense.

• 1:22:12Speaker 04

  Not really, no. There's not. I have a plan at basically everything that comes, comes up.

• 1:22:19Caleb Hammer?

  Yeah, I'm sure interest is just accrued.

• 1:22:21Speaker 04

  Yeah.

• 1:22:22Caleb Hammer?

  They're in zero-dollar phases. Even the unsubsidized loans, when they're deferred, they might accrue interest. I'm not 100% sure on that.

• 1:22:32Caleb Hammer?

  And I don't know your mixture of subsidized or unsubsidized. Never been late, but we're also just not [bleep] making payments. They've been deferred since July? Oh, wait. No, that's just leading up to those.

• 1:22:44Speaker 04

  Yeah, I think that's, and July might have been when it changed, changed over to Nelnet.

• 1:22:49Caleb Hammer?

  Alright, still going. Okay, what is, uh, Elan CACS credit card?

• 1:22:57Speaker 03

  Elan Financial?

• 1:22:58Caleb Hammer?

  Uh-huh.

• 1:22:59Speaker 03

  Uh, that was a personal loan through, uh, oh wait, excuse me. That was a credit card, yeah.

• 1:23:04Caleb Hammer?

  This is fine in the ears!

• 1:23:05Speaker 03

  Yes. That is-

• 1:23:07Caleb Hammer?

  It's in collections! She has collections! She's bringing collections into the house?

• 1:23:11Speaker 04

  Yeah, we knew about that. Well, I knew about that.

• 1:23:14Caleb Hammer?

  Yeah, yeah, what's this "we"? Did you know she has collections?

• 1:23:16Speaker 05

  I don't, I know nothing.

• 1:23:19Caleb Hammer?

  What?

• 1:23:19Speaker 05

  The pattern continues.

• 1:23:20Caleb Hammer?

  What is going on? Come on, you seem like the same one this conversation so far.

• 1:23:23Speaker 03

  So that one, I only have two movements left on it. It's, I have a debt relief for that one. So that's in debt relief. So I have two more and then I'm.

• 1:23:29Caleb Hammer?

  So am I gonna see the debt relief statement in this?

• 1:23:31Speaker 03

  It should be there, yeah.

• 1:23:32Caleb Hammer?

  Okay, so I don't need to worry about this statement specifically.

• 1:23:34Speaker 03

  No, that was.

• 1:23:35Caleb Hammer?

  Why did credit card go into collections and how long ago?

• 1:23:37Speaker 03

  Um, this was, I wanna say 2023.

• 1:23:42Caleb Hammer?

  What happened?

• 1:23:44Speaker 03

  Um, me and an ex separated. Um, so the financial situation changed and I couldn't afford everything on my own. So I let that stuff, the stuff that I could go in collections or, well, debt relief, I allowed it to go to debt relief.

• 1:23:58Caleb Hammer?

  Well, I'm sure you're just blowing all your money on your kid too, just endlessly trying to cope with the single mom.

• 1:24:03Speaker 03

  Um, there was some guilt spending, for sure.

• 1:24:04Caleb Hammer?

  Yeah, absolutely. And I know you're just blowing money on video games like crazy.

• 1:24:09Speaker 03

  That one's not such a big one.

• 1:24:10Caleb Hammer?

  And then you're getting, yeah, you got a game PC, big arsenal of video games.

• 1:24:15Speaker 03

  Yeah, not, I haven't, I don't spend too much on myself. Um, it's a lot of.

• 1:24:20Caleb Hammer?

  So just the kid?

• 1:24:21Speaker 03

  I do spend.

• 1:24:21Caleb Hammer?

  But you're deferring the kid's future. And all of a sudden, you're not gonna have a retirement. Who knows if you're gonna be with them by retirement's age?

• 1:24:27Speaker 03

  Yes, uh, there's a lot of, there is a lot of.

• 1:24:29Caleb Hammer?

  She's even skeptical about that. You see that, guys?

• 1:24:31Speaker 03

  There's a lot of concern.

• 1:24:33Caleb Hammer?

  What do we think of that? Is that, is that weird to hear? Is that concerning to hear?

• 1:24:37Speaker 05

  Caleb, if you were coming in on this, would you stay?

• 1:24:42Caleb Hammer?

  I wouldn't come in, um.

• 1:24:46Speaker 05

  I get it.

• 1:24:47Caleb Hammer?

  I wouldn't be coming in and combining my finances and I wouldn't be combining life yet. I'd be coming in and I'd be [bleep] and that would be about it. That was, you know, that's what I'd be doing. I wouldn't wanna, uh, incorporate my life into this, no. But she's also bringing baggage. She's bringing collections and debt relief programs. So it's not like she's perfect by any means.

• 1:25:07Speaker 00

  Progressive's Accident Response can contact emergency services if you're in a major accident. The only thing worse than someone you love being in an accident is not being able to help them. So Progressive is here to help when you can't. So get peace of mind knowing your loved ones are protected with Progressive's Accident Response. Learn more at progressive.com. Progressive Casualty Insurance Company and Affiliates. Limited availability in California. Driver is responsible for emergency and towing charges not covered by the policy. Coverage subject to policy terms and conditions.

• 1:25:38Speaker 05

  Is she handling them? I don't, I don't know what

• 1:25:40Caleb Hammer?

  Oh, she's in a debt relief program.

• 1:25:42Speaker 05

  What do I fucking know what right looks like? You're looking at the things, is she doing the right things? She's not doing the right things. Is she doing the right things?

• 1:25:48Speaker 04

  Are you doing the right things? You're pointing fingers over here.

• 1:25:51Caleb Hammer?

  Are you doing the right things?

• 1:25:52Speaker 03

  I'm keeping up with payments. Uh, so once this is finished, I'm transferring and paying off my small debt. And then, um, what it's like $415, that's going towards that. Once

• 1:26:02Caleb Hammer?

  A month.

• 1:26:02Speaker 03

  A month.

• 1:26:03Caleb Hammer?

  That you've gone to your next debt, yes.

• 1:26:05Speaker 03

  Yes. Yeah. And then I, once I have that done, that 415 will go to, I'm going to start with my smaller ones. I only have a couple of like, maybe like three there are like from two to 600, I think.

• 1:26:15Caleb Hammer?

  Okay, well, we'll find them. What's CT, what's CFT pay?

• 1:26:19Speaker 03

  That is the, uh, debt relief.

• 1:26:21Caleb Hammer?

  Allegation, oh, the debt relief.

• 1:26:22Speaker 03

  Yes.

• 1:26:23Caleb Hammer?

  Yes, I see it's 446 a month and you said there's two payments left?

• 1:26:26Speaker 03

  Yes.

• 1:26:27Caleb Hammer?

  That's good. So she's almost on to her, well, you guys are going deeper.

• 1:26:33Caleb Hammer?

  How do we decide who he sticks it in? How do we determine? Do we draw straws?

• 1:26:40Speaker 04

  So he

• 1:26:41Caleb Hammer?

  Or do we like human centipede?

• 1:26:42Speaker 04

  He can stick it wherever he wants.

• 1:26:45Caleb Hammer?

  Sure, but like

• 1:26:45Speaker 04

  As soon as he gets a vasectomy.

• 1:26:48Caleb Hammer?

  Well, of course, but like what if both want? Like, how does he choose? How do you choose?

• 1:26:53Speaker 04

  You just put it in both, I guess.

• 1:26:55Caleb Hammer?

  Well, yeah, that's, I don't know if that's scientifically possible.

• 1:26:58Speaker 03

  Are you talking the technical?

• 1:26:59Caleb Hammer?

  Yeah.

• 1:27:00Speaker 03

  Uh, everybody's very busy. Um.

• 1:27:05Speaker 04

  Yeah, y'all stay busy.

• 1:27:06Caleb Hammer?

  We got three of us and we don't even, what's the point at that point?

• 1:27:09Speaker 04

  What? Nobody said that.

• 1:27:12Speaker 05

  You know, every movie has a director and, uh, you know, some people

• 1:27:15Caleb Hammer?

  Who's the director?

• 1:27:16Speaker 05

  Some people like being the director. I don't, I don't point any elbows or anything.

• 1:27:21Speaker 04

  You are very often the director, so nice try.

• 1:27:24Caleb Hammer?

  Well, like cut corner?

• 1:27:27Speaker 05

  You, you know, you just, uh, someone's got a game plan and then you run it. You see where it goes.

• 1:27:33Speaker 04

  Sometimes, sometimes you're in the mood for cake. Sometimes you're in the mood for

• 1:27:37Speaker 03

  Ginger ale.

• 1:27:41Speaker 04

  You know? It just depends.

• 1:27:44Speaker 05

  Oh, man.

• 1:27:46Caleb Hammer?

  Okay.

• 1:27:53Speaker 00

  Progressive's Accident Response can contact emergency services if you're in a major accident. The only thing worse than someone you love being in an accident is not being able to help them. So Progressive is here to help when you can't. So get peace of mind knowing your loved ones are protected with Progressive's Accident Response. Learn more at progressive.com. Progressive Casualty Insurance Company and Affiliates. Limited availability in California. Driver is responsible for emergency and towing charges not covered by the policy. Coverage subject to policy terms and conditions.

• 1:28:25Speaker 05

  Oh, that's a lot of buttons.

• 1:28:28Caleb Hammer?

  Ah, no, because she's not in like the worst. Her balance on this is $892.26 and the minimum monthly payment is $446, which means it's paid off in two. But again, we're combining it like it's combined if our entire intent is to be combined.

• 1:28:44Speaker 03

  Right.

• 1:28:46Caleb Hammer?

  Ah, sake, guys, why, why screenshots from webpages? This is so difficult.

• 1:28:52Speaker 03

  Yeah, I couldn't get a print off. This is, it's just more information. Yeah, it's just more information on it.

• 1:28:56Caleb Hammer?

  What about the same thing?

• 1:28:58Speaker 03

  Yeah.

• 1:28:59Caleb Hammer?

  Okay.

• 1:29:02Caleb Hammer?

  Money owed to friend. To whose friend?

• 1:29:06Speaker 03

  Mine.

• 1:29:06Caleb Hammer?

  You owe your friend money. She owes her friend money.

• 1:29:09Speaker 03

  Yes.

• 1:29:10Caleb Hammer?

  Did we know this?

• 1:29:11Speaker 03

  I did.

• 1:29:11Caleb Hammer?

  You did, okay. What do you owe your friend $5,000 for?

• 1:29:15Speaker 03

  Car.

• 1:29:16Caleb Hammer?

  What?

• 1:29:17Speaker 03

  Yeah.

• 1:29:17Caleb Hammer?

  What do you, did they get the car and they paid for it for you? Or you got it from them and you owe them?

• 1:29:23Speaker 03

  Uh, yeah, so, um, it basically purchasing off them.

• 1:29:27Caleb Hammer?

  What is the car?

• 1:29:28Speaker 03

  Uh, hmm, a Nissan Versa Note.

• 1:29:31Caleb Hammer?

  Is this a loan or is it just paid to them?

• 1:29:34Speaker 03

  Uh, it's a loan.

• 1:29:35Caleb Hammer?

  It's a loan from a bank?

• 1:29:36Speaker 03

  Yes.

• 1:29:37Caleb Hammer?

  Oh, no, no, no. What's the interest rate on it?

• 1:29:40Speaker 03

  Ooh, I don't remember.

• 1:29:42Caleb Hammer?

  Why weren't you able to access it? Because I just have this written on a piece of paper. All, all sides of y'all are disorganized. What's the minimum monthly payment on this?

• 1:29:51Speaker 03

  Um, 150.

• 1:29:53Caleb Hammer?

  Okay.

• 1:29:54Speaker 03

  Until I basically step up enough to pay it off and then get it switched over.

• 1:29:58Caleb Hammer?

  Oh, and we don't owe the interest, okay. Me, when'd you do this?

• 1:30:03Speaker 03

  2022, I believe.

• 1:30:05Caleb Hammer?

  Oh, okay, so this is around forever? Do we have the value on this car?

• 1:30:10Speaker 03

  It's very low.

• 1:30:11Caleb Hammer?

  Uh huh.

• 1:30:11Speaker 03

  It's very low.

• 1:30:12Caleb Hammer?

  What is it, like, two, three, one?

• 1:30:14Speaker 03

  Probably like 1500.

• 1:30:15Caleb Hammer?

  Oh, for fuck's sake, what are we doing? Is this car gonna last?

• 1:30:18Speaker 04

  No. It's already having issues.

• 1:30:22Caleb Hammer?

  Oh, it is? What are we seeing?

• 1:30:24Speaker 03

  Uh, engine leak.

• 1:30:27Caleb Hammer?

  Are you handy?

• 1:30:29Speaker 04

  Hmm, not really.

• 1:30:30Speaker 03

  Alex's.

• 1:30:30Caleb Hammer?

  Are you guys handy?

• 1:30:31Speaker 05

  The good thing about, uh, being broke is that you learn how to get more handy. I've been fixing my car a lot recently.

• 1:30:37Caleb Hammer?

  Um, yeah.

• 1:30:38Speaker 04

  And then I also am pretty handy with cars.

• 1:30:41Caleb Hammer?

  Okay, so do we know what's wrong with it?

• 1:30:44Speaker 04

  I'm gonna probably put a little more effort into looking to it.

• 1:30:47Speaker 03

  The fuel pump.

• 1:30:48Caleb Hammer?

  For fuck's sake, how long has this been going?

• 1:30:50Speaker 04

  She's been having issues with it for a while.

• 1:30:52Speaker 03

  Since about it. Since about it.

• 1:30:55Caleb Hammer?

  Three years ago?

• 1:30:56Speaker 03

  Since about it. It was as is.

• 1:30:57Caleb Hammer?

  We haven't learned, hmm, we haven't figured out what's going on?

• 1:31:01Speaker 03

  No. It was a minor leak. It's not usually an issue, um, until recently.

• 1:31:07Speaker 04

  Issues lately, yeah.

• 1:31:10Caleb Hammer?

  Dude, this is crazy.

• 1:31:13Caleb Hammer?

  Are, and you can get to your job in this?

• 1:31:15Speaker 03

  Yes, yeah, it runs.

• 1:31:17Caleb Hammer?

  What happens when it doesn't? What do you do?

• 1:31:20Speaker 03

  Uh, the only thing it does is shut off after a certain amount of RPMs.

• 1:31:24Caleb Hammer?

  That's it.

• 1:31:25Speaker 03

  Uh, and then you just turn it back on.

• 1:31:27Caleb Hammer?

  Yeah, but what, what, when, what do you do when it doesn't? How do you get to work when it doesn't?

• 1:31:32Speaker 04

  She'll have to learn how to drive a truck.

• 1:31:35Caleb Hammer?

  So there's a bonus truck sitting around?

• 1:31:37Speaker 04

  My mom has a spare truck.

• 1:31:39Caleb Hammer?

  And your mom doesn't go anywhere?

• 1:31:40Speaker 04

  Not often. They have, they have a couple of vehicles.

• 1:31:43Caleb Hammer?

  Yeah, I'm watching the kids, okay?

• 1:31:45Speaker 03

  But the goal is to get it paid off and then trade it in.

• 1:31:48Caleb Hammer?

  Well, you fucking better. Yeah, trade it in for 1500?

• 1:31:51Speaker 03

  Yeah.

• 1:31:51Caleb Hammer?

  And then get what? Okay, a firm, who's the firm?

• 1:31:56Speaker 04

  Uh, mine.

• 1:31:58Caleb Hammer?

  Okay, what are you doing? Pull up your firm.

• 1:32:02Caleb Hammer?

  Well, I see it's Walmart. What are we getting on Walmart?

• 1:32:04Speaker 04

  So a firm-

• 1:32:06Caleb Hammer?

  Oh yeah, just pull it up.

• 1:32:07Speaker 04

  Was for, hold on, manage.

• 1:32:14Caleb Hammer?

  $300 purchase, something.

• 1:32:18Speaker 04

  This is for the Walmart. So we were doing-

• 1:32:21Caleb Hammer?

  Just Walmart?

• 1:32:21Speaker 04

  Really bad, um, and-

• 1:32:24Caleb Hammer?

  While spending $2,600 minimum on bull- Right?

• 1:32:28Speaker 04

  Yeah.

• 1:32:28Caleb Hammer?

  Right?

• 1:32:28Speaker 04

  So we needed groceries and we did that.

• 1:32:32Caleb Hammer?

  Did he know? Did you even discuss with him?

• 1:32:35Speaker 04

  I think I tried to, but it did not go well.

• 1:32:37Caleb Hammer?

  Now, when you did that, did he know you guys also blew $2,600 on bull- When you came and said, "We don't have money to get groceries."

• 1:32:44Speaker 04

  Uh, I guess not.

• 1:32:44Caleb Hammer?

  Exactly. Cause how would that conversation have gone if she did bring that full information to you, Joey? What would you have said?

• 1:32:59Speaker 05

  I'm completely unprepared for any of those.

• 1:33:01Caleb Hammer?

  It's a $26.76 payment. $365 is the balance. Now, Joey, something that I think is worth talking about while we're having this conversation is when you walked out, she said that you're probably furious, but what you're gonna do is just shut down from that. What do you want to do from here? What do you want to see the productivity look like from here? Cause if we just shut down, nothing's gonna happen, right?

• 1:33:28Speaker 05

  So-

• 1:33:29Caleb Hammer?

  What do you want to see happen from here?

• 1:33:31Speaker 05

  I, I work. I work really hard. I do,

• 1:33:39Speaker 05

  I do the best that I can and, um, it looks like it's being squandered. And, um, I'm not gonna be able to retire. Other, look at this. How do I crawl out of this?

• 1:33:57Caleb Hammer?

  Well, I get that. This sucks, but I wanna hear, what do you want this to look like going forward, the conversation? The finances, how we're managing it. Because again, she says, "You're gonna be very angry at this," and I think that is very valid. However, she says you're gonna shut down, and I think that might be unproductive. So what do you want to do going from this conversation?

• 1:34:15Speaker 05

  I'm, I'm wondering if maybe I should be the one who's dealing with all this and-

• 1:34:22Speaker 04

  I think that

• 1:34:22Speaker 05

  Maybe Alice ought to be the one who's on a stipend.

• 1:34:26Speaker 04

  I think that maybe we should all be dealing with this together as a group and not one person is the only one involved.

• 1:34:37Caleb Hammer?

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• 1:35:19Caleb Hammer?

  when you sign up with direct deposit and get almost 4% on your money just sitting there. And then three, automate your investing with Acorns. Usually sign up incentives are only five bucks, but you get $20 with my link. Number four, you can increase your income and boost your resume with a course career certification. Five, if T-Mobile is good in your area, switch to Helium and get a literal $0 a month phone plan for the same exact service. But most importantly, go get your free Hammer financial score and see where you stand in the world of finances. Take the assessment at CalebHammer.com. You will not regret any of these change your life today.

• 1:35:56Speaker 05

  You know, I, I, I might've been more inclined to agree with that.

• 1:36:03Speaker 05

  If, um,

• 1:36:06Speaker 05

  these, these numbers are suggesting that what we're doing right now isn't working.

• 1:36:11Speaker 04

  Right?

• 1:36:12Speaker 05

  And what I've been doing is nothing.

• 1:36:14Speaker 04

  Right? And I am, have been asking you to do something with me for a long time.

• 1:36:23Speaker 04

  And I think it might be best if everybody is involved in the finances.

• 1:36:31Speaker 03

  I think having a budget.

• 1:36:33Speaker 04

  And a budget.

• 1:36:34Speaker 03

  Aware of, because I like I use the budgeting app.

• 1:36:36Speaker 04

  Yeah.

• 1:36:37Speaker 03

  The the dollar wise. And I didn't know how much I spent on fast food. You just kind of like it's like $10 here, $10 there. And I spent like $300, I believe, on fast food, which is outrageous. That's more than my grocery budget that I set for myself.

• 1:36:49Speaker 04

  Yeah.

• 1:36:51Speaker 03

  I think that's something you guys both need to really look at and keep to and like. Even if you have to have like a limited amount that you can access to for emergencies until you guys kind of get out of this.

• 1:37:01Caleb Hammer?

  What do you think of that?

• 1:37:04Speaker 05

  It looks like the only way forward is we're going to do this Javier Mylais style. We're going to make big cuts. We're going to tighten the belt in ways that are incredibly uncomfortable.

• 1:37:15Caleb Hammer?

  How are you gonna approach that? How are you going to be a part of that conversation?

• 1:37:20Speaker 05

  I I think that, first of all, therapy might not be the worst idea. This has come up a couple of times. And after this, like, I was so sick seeing all this that I had to leave the room. Like, I I couldn't even be near it. And this is this is my future that we're talking about. You're doing me a big favor right now by trying to help make my life better, and I I appreciate that. And right now, you're the messenger, and I'm incredibly unhappy with you for the things that you're telling me.

• 1:37:52Caleb Hammer?

  You should be.

• 1:37:53Speaker 05

  And and I, please don't take any of that personally, but I I need to fucking get right.

• 1:38:00Speaker 05

  And I I'm.

• 1:38:05Speaker 05

  I'm wondering how much of this should be a collaboration, how much I should just, I don't know.

• 1:38:11Speaker 04

  You can sit there and point fingers and say that all of this spending was me, but we know it's not. It's all of us.

• 1:38:17Speaker 03

  Oh, yeah, I'm on there, too.

• 1:38:18Speaker 04

  You're on here. I'm on here, on here. You also go to the gas station. You also swipe for your energy drinks. Like, I know you don't do a bunch of it, but we're both really bad about when the kids want something. We get it for them.

• 1:38:34Speaker 05

  I I get nothing for anyone. I get the taquitos.

• 1:38:41Speaker 05

  Let's go ahead and say

• 1:38:44Caleb Hammer?

  He actually gets taquitos, literal taquitos.

• 1:38:45Speaker 04

  Yeah, he does. He does get taquitos.

• 1:38:48Speaker 05

  Yeah, let's go ahead and here you got the calculator. What's um, I don't know, probably uh, four bucks for the taquitos, four bucks for the the

• 1:39:00Speaker 05

  monster. Let's go ahead and call it eight dollars a day. Let's assume I do it. Let's assume I do. Let's I have a coffee pot in my my office. I do a pot of coffee a day.

• 1:39:11Caleb Hammer?

  Just under 3,000 bucks a year would be that.

• 1:39:19Speaker 04

  I'm not blaming you either. I'm just saying we are all in this together.

• 1:39:23Speaker 05

  No, yeah.

• 1:39:24Speaker 03

  You should have been involved.

• 1:39:25Speaker 04

  You should have been involved.

• 1:39:26Speaker 05

  I should have been involved.

• 1:39:28Speaker 03

  But Alice has been.

• 1:39:29Speaker 04

  I've been the only one involved.

• 1:39:32Speaker 05

  Yeah.

• 1:39:37Speaker 05

  A lot of this debt came from trying to start up the the business.

• 1:39:43Caleb Hammer?

  And it may have, however, it wouldn't be here today if we weren't blowing all that money on bull. If the bullshit was going to pay it off. Listen, you went into debt for something. Okay. But now it's continuing and we're behind on what?

• 1:39:58Speaker 05

  Everything.

• 1:39:58Speaker 04

  Everything.

• 1:39:59Caleb Hammer?

  Yeah.

• 1:40:00Speaker 05

  This is this is

• 1:40:02Speaker 03

  Alice, do you feel like the numbers are off? Like you were looking at me at the beginning when it was being read off?

• 1:40:06Speaker 04

  Uh, the I feel like they well, cause like the uh, the he was but he had like said like some of that's Walmart and stuff like that. And that makes sense. Like once that got like that makes sense.

• 1:40:17Caleb Hammer?

  That's the unknown category.

• 1:40:19Speaker 04

  Yeah, cuz that that does make sense to me cuz we spend so much in groceries. You've seen it. You've been there with me doing groceries. It's insane.

• 1:40:30Caleb Hammer?

  What's the health equity?

• 1:40:32Speaker 04

  Health equity?

• 1:40:33Caleb Hammer?

  It's called health equity.

• 1:40:35Speaker 03

  That's me. That's my medical bill. Uh, I went to the ER.

• 1:40:40Caleb Hammer?

  When?

• 1:40:42Speaker 03

  Within well, last year at some point.

• 1:40:44Caleb Hammer?

  To get her pregnant too?

• 1:40:48Speaker 03

  No, migraine, blood pressure, loss of consciousness, that kind of stuff.

• 1:40:53Caleb Hammer?

  Hey, well, why are you still going to fast food?

• 1:40:56Speaker 03

  Um, cuz I like it.

• 1:41:00Caleb Hammer?

  Do we like having another emergency room visit soon?

• 1:41:04Speaker 03

  No.

• 1:41:05Caleb Hammer?

  Blood pressure, fast food, doesn't go great together.

• 1:41:09Speaker 03

  Yep.

• 1:41:10Caleb Hammer?

  It's a fun fact.

• 1:41:11Speaker 03

  No.

• 1:41:12Caleb Hammer?

  Okay.

• 1:41:12Speaker 03

  Yeah, I'm terrible and I love it so much.

• 1:41:16Speaker 04

  Believe it or not, even though the fast food looks horrible, I don't actually like eating fast food. It makes me horribly sick. I get fast food cuz other people like to eat fast food.

• 1:41:29Caleb Hammer?

  Well, we're talking about her right now, not you.

• 1:41:31Speaker 04

  And we both, we are both sweet treats.

• 1:41:33Caleb Hammer?

  Still talk about her.

• 1:41:34Speaker 04

  We are both sweet treat vampires.

• 1:41:37Caleb Hammer?

  Okay.

• 1:41:41Speaker 03

  It's a $40 a month payment.

• 1:41:45Speaker 03

  Yeah, $900 total, I believe, and then to the doctor directly, I think it's 172.

• 1:41:49Caleb Hammer?

  So 900 is owed?

• 1:41:51Speaker 03

  900 is owed.

• 1:41:52Caleb Hammer?

  Okay, $900 to the balance, $40 payment.

• 1:41:54Speaker 03

  Yes.

• 1:41:57Caleb Hammer?

  You feel like you always gotta be the center of attention?

• 1:42:00Speaker 04

  I am the center of attention.

• 1:42:07Speaker 04

  I guess technically you are. It's your show. I'll allow it.

• 1:42:15Caleb Hammer?

  You guys enjoy that? Now you guys love her, doesn't mean you have to enjoy every quality.

• 1:42:20Speaker 03

  The insanity is fun.

• 1:42:24Speaker 04

  Joey enjoys nothing right now.

• 1:42:27Caleb Hammer?

  Yeah.

• 1:42:29Caleb Hammer?

  Which is fair.

• 1:42:30Speaker 05

  I feel like I'm at a funeral.

• 1:42:34Caleb Hammer?

  We're definitely at a funeral for how you guys are spending money going forward.

• 1:42:38Speaker 05

  I hope so.

• 1:42:39Caleb Hammer?

  We're burying McDonald's in the ground.

• 1:42:44Caleb Hammer?

  Okay, we continue. Um, USA Classic Truck, is that the end of that?

• 1:42:52Caleb Hammer?

  Cuz there's a lot of paperwork still here.

• 1:42:56Caleb Hammer?

  wanted them to be so I'm looking. Well, just go in the order. I mean, it's chaos. You guys didn't send statements. Well, I'll deal with it. Uh, 800 bucks in this USA Classic checking. Who's? Is this your guys' or you guys' joint?

• 1:43:10Speaker 04

  Yes.

• 1:43:11Caleb Hammer?

  On that is the main guy, main checking account?

• 1:43:14Speaker 04

  It's a, uh, no, that's not our main. Our main is the Bank of America.

• 1:43:16Caleb Hammer?

  What is this? What's the purpose of this?

• 1:43:17Speaker 04

  Uh, that was his like original checking account.

• 1:43:20Caleb Hammer?

  What are we using for today, though?

• 1:43:22Speaker 04

  Uh, mostly bills.

• 1:43:24Caleb Hammer?

  Okay, but it's not the main checking account?

• 1:43:26Speaker 04

  No.

• 1:43:27Caleb Hammer?

  Curious. Okay, uh, for bills, guys, here we go. Hot Topic Vending Machine, Super Sale Bin, going in the gas station, getting some bull [__], PayPal, Hulu, PayPal, affirm, and a Patreon membership of $15. Listen, Hammer Elite on YouTube, 10 bucks a month is much better than that, I guarantee it. Three premium shows posted every single day when you click that join button below. Ay, ay, ay. PayPal, Netflix, Spotify, Boost Membership, PayPal, PayPal, Hulu, going in to get it's bull [__], PayPal. What is all this PayPal [__]? Makuz Island, another Patreon membership? Great.

• 1:44:08Speaker 04

  What's Makuz's town?

• 1:44:09Speaker 03

  Makuz's Island.

• 1:44:10Speaker 04

  Oh, that's just a kid thing?

• 1:44:11Speaker 03

  Yeah.

• 1:44:12Speaker 04

  Okay.

• 1:44:12Caleb Hammer?

  Great. Look at all the bull [__] that's bills. Those are bills. Those are bills?

• 1:44:17Speaker 04

  Yeah. That's what keeps our kids happy.

• 1:44:22Caleb Hammer?

  Yeah, they're not gonna really be happy when they're in their mid-40s trying to survive, but they have to put their life on hold to take care of their parents because their parents never sacrificed when they were younger, and all of a sudden they no longer have retirement and social security is substantially less than it is today.

• 1:44:35Speaker 04

  Yeah.

• 1:44:37Caleb Hammer?

  That's what you're doing to your kids. Trying to set them up for any kind of future. I don't see it. You're trying to pay for their college? I don't see it. Are you trying to help them start a business? I don't see it. Are you trying to give them a foot up in this world and give them a generational change? I don't see it. They will be, you will be living with them like your parents are living with you, and how is that always? Is that great always?

• 1:44:54Speaker 04

  No.

• 1:44:54Caleb Hammer?

  No, okay, but that's what you are doing. That is the choice you are making based on the bull [__] spending you are doing now.

• 1:45:03Caleb Hammer?

  Okay, $3,000 in this Bank of America. Uh, food city is that groceries?

• 1:45:09Speaker 04

  Groceries.

• 1:45:09Caleb Hammer?

  Okay, well at least that's groceries. Pets, but it's like two bucks. Going in and getting some gas station. Timo? Timo?

• 1:45:18Speaker 04

  Yeah.

• 1:45:18Caleb Hammer?

  Who's Timoing?

• 1:45:19Speaker 04

  That was me.

• 1:45:20Caleb Hammer?

  Why are you Timoing? I thought we moved on.

• 1:45:23Speaker 04

  I got shoes and clothes for the kids.

• 1:45:27Caleb Hammer?

  I think that's another vending machine, uh, some bull- vending machine. Some bull- Going in and getting some bull-

• 1:45:37Caleb Hammer?

  Sonic, 50 bucks at Sonic.

• 1:45:40Speaker 04

  Yeah.

• 1:45:40Caleb Hammer?

  Zelling out 200 bucks. Getting some bull-

• 1:45:44Caleb Hammer?

  Takiera. McDonald's. Break the cycle. McDonald's, getting in some bull- Getting some bull- Blue window, getting some bull- Bull-

• 1:45:58Caleb Hammer?

  Market at work.

• 1:46:01Speaker 04

  It's a vending machine.

• 1:46:02Caleb Hammer?

  Boarding goods. Vending machine, Papa John's. Starbucks, zelling out money. Bull- Bull- Zelling out 200, zelling out 25. Going in and getting some bull- Zelling out 300, Mr. Car Wash. You live in the desert, I'm okay with that, but rare here and there.

• 1:46:20Speaker 04

  The zelle is between accounts.

• 1:46:22Caleb Hammer?

  You guys also have a house, fill it with bucket of water, dump it on your car. And spray under, okay, cuz that's what we're trying to do to avoid getting the sand everything. Vending machine.

• 1:46:34Caleb Hammer?

  Oh, fuck. Mini time machine. How tea? Vending machine. McDonald's, going in and getting some bull- Dairy Queen. Cash app out, $5. Takiera, takiri- how do you say it?

• 1:46:51Caleb Hammer?

  Taqueria. Boson Donuts, Burger King. Going in and getting some bull- Tooters Coffee. Going in and getting some bull- Getting some bull- McDonald's.

• 1:47:05Caleb Hammer?

  Getting some bull-

• 1:47:08Caleb Hammer?

  Armless, Arby's, cash out money, going in and getting some bull vending machine. Guys, this is relentless. This is insane. Look at the spending we are doing while we are drowning in debt. You are putting your spending over your children's future right now. Sonic Drive-In, zelling out $400.

• 1:47:26Speaker 04

  All of the zells are between accounts.

• 1:47:29Caleb Hammer?

  Crazy. Crazy. That spending's insane. What does anyone think about what we just saw? Cause what the?

• 1:47:37Speaker 03

  It feels like a lot of waste.

• 1:47:39Speaker 04

  It does feel like a lot of waste, but all, all of the zells are between accounts. So that's how I get.

• 1:47:43Caleb Hammer?

  Oh, come on. The zells were a vast minority of what I was talking about.

• 1:47:45Speaker 04

  But I'm just saying, all of those are.

• 1:47:46Caleb Hammer?

  Yeah. How do we feel about what I just went over? I don't care about the cope zell.

• 1:47:49Speaker 04

  That's not great. No, it's not great. Like there's, there's way too much eating out, like way too much eating out. It's not good.

• 1:47:55Caleb Hammer?

  What do you guys think? What do you think, Joey? Cause here's the thing. You want to know what just happened with your wife? I called out the bull. We talked about thousands of dollars of bull there. Then, then she tried to deflect with, oh, with the zell.

• 1:48:09Speaker 05

  Yeah. Uh, it's easy to focus on the part that's justifiable. It's really easy to point at that and say, look, look, look that that part was very important. That's fantastic that that part was important. That was one month's worth of statements?

• 1:48:25Caleb Hammer?

  Yeah. Oh, yeah. That was one, that was one month in that, in that account.

• 1:48:29Speaker 05

  How many, how many of those were, were Burger King? There's it's twice a week, three times a week.

• 1:48:38Speaker 04

  Mister, I only go to the vending machine once a day.

• 1:48:41Caleb Hammer?

  They were about once a day. But that is a big thing that is, it's happening constantly.

• 1:48:48Speaker 03

  Now, when buying it at the store is just generally cheaper.

• 1:48:51Caleb Hammer?

  What is this Burger King thing?

• 1:48:53Speaker 05

  No, it's just like, it's just, uh, every, every meal is a, a big event over at, at the, the drive-through. Everything's a big drive-through fiesta.

• 1:49:05Speaker 05

  When I feel like splurging at work, I'll have a peanut butter jelly and a brick of ramen. That's how I treat myself if I'm having a particularly rough day at work. And to find out that while I'm over here, I'm down 20 pounds. I've been eating so little, I'm down weight. I haven't been working out. I haven't been trying to do better. I'm not eating right. I'm not eating good. I'm eating less. And while I'm over here literally tightening my belt to find out that two, three times a week, there's, there's a fiesta going on over at stupid Wendy's. I, I, I don't know, man.

• 1:49:43Speaker 03

  And I'm just as guilty. I know I am. When you get to mine, you'll see it on there too.

• 1:49:50Caleb Hammer?

  Thoughts on the fiesta?

• 1:49:52Speaker 04

  Like I said, when the kids want to go eat out, we kind of just do like.

• 1:49:56Caleb Hammer?

  It's impossible for you to say no and act like an adult.

• 1:49:59Speaker 04

  It's not impossible, but I do know that I had, there's been a lot of guilt. There's been, there's been a lot of guilt lately. And I know it's been harder to say no to the kids and that's not good. I know it's not good, but I know I do it. Like, I know I do. Like, I can't. I really can't justify that. Cause if it was, if it was just me, I would say no, because I don't really like it. It doesn't make me feel good and I don't.

• 1:50:28Speaker 03

  But we get stuff too.

• 1:50:29Speaker 04

  We do. I will, I will eat, I will eat there. I'm not saying I don't eat there. I'm just saying like, I do it a lot of times for, for them.

• 1:50:42Speaker 05

  I think the kids need a big dose of vitamin N.

• 1:50:44Speaker 04

  Yeah, they do.

• 1:50:46Speaker 05

  I think we're gonna, we're gonna need to start getting real comfortable with the word no.

• 1:50:49Speaker 04

  Yep.

• 1:50:50Speaker 05

  And I, I think that it's unfair to blame all of this on the kids.

• 1:50:53Speaker 04

  It's not all of it on the kids. Like we, we do it too. We're, we're bad about it.

• 1:51:01Caleb Hammer?

  It's hard. Cash app, I see $340. Want another water bottle? You're going through them.

• 1:51:09Speaker 05

  I'm, I appreciate it. I'm staying hydrated.

• 1:51:11Caleb Hammer?

  Okay.

• 1:51:15Caleb Hammer?

  We've been here for a second and we'll still be here for a second longer, so. A rare mid-episode.

• 1:51:23Caleb Hammer?

  Grab. Hey, Bank of America, eighty-three dollars. I mean, cash out, there's a few hundred bucks. It looks like he went to McDonald's in June, I don't know. And there was probably more, but again, you didn't give me a statement, so. Eighty-three dollars in this Bank of America. You said this was the main one, right?

• 1:51:38Speaker 03

  Yeah, Bank of America's the main one.

• 1:51:40Caleb Hammer?

  It's mostly just money being, keep the change moved in and then we immediately lose it all with the eight-dollar monthly maintenance fee, so I don't really see the point. And then we're transferring money out. We keep the change going in, it's a small little charge or the roundup thing, right? But then you pull it out and then you pay a fee to have this account. This makes no sense. You're losing money having this account. There's another fee. Keep the change, keep the change, keep the change. This is, okay, that was nothing. This is pointless. Why even have that? That doesn't make sense to me. Okay.

• 1:52:12Caleb Hammer?

  Listen, I heard there was an Upstart loan somewhere, but I am not seeing it. What loans have we potentially missed?

• 1:52:20Speaker 03

  So the only, um, the other debt I have is ten thousand dollars with Upstart. It was a part of the debt relief program, but I'm breaking off from it and just going to try and negotiate myself.

• 1:52:29Caleb Hammer?

  Okay, what's the balance of that then? Ten thousand?

• 1:52:31Speaker 03

  Ten thousand.

• 1:52:32Caleb Hammer?

  Okay, when, when and what, why?

• 1:52:34Speaker 03

  Uh, that was for, um, an RV.

• 1:52:39Caleb Hammer?

  An RV?

• 1:52:40Speaker 03

  Yes.

• 1:52:41Caleb Hammer?

  When?

• 1:52:42Speaker 03

  Uh, twenty.

• 1:52:43Caleb Hammer?

  Upstart?

• 1:52:44Speaker 03

  Yeah, I think it was twenty twenty-one.

• 1:52:45Caleb Hammer?

  Was this a down payment on an RV?

• 1:52:47Speaker 03

  It was for the whole RV.

• 1:52:48Caleb Hammer?

  Okay, what's this RV situation right now?

• 1:52:51Speaker 03

  Um, it's sold.

• 1:52:53Caleb Hammer?

  And you still owe ten?

• 1:52:55Speaker 03

  Yes.

• 1:52:56Caleb Hammer?

  And you're gonna negotiate it or are there minimum monthly's on it?

• 1:52:59Speaker 03

  I'm gonna negotiate it. It went to collections while it was sitting in debt negotiation, so it wasn't really worth it. I'd rather negotiate it myself.

• 1:53:07Caleb Hammer?

  What did you sell it for?

• 1:53:09Speaker 03

  I think it was fourteen.

• 1:53:11Caleb Hammer?

  What did you buy it for?

• 1:53:12Speaker 03

  Uh, fourteen thousand. I bought it for twenty-five thousand.

• 1:53:15Caleb Hammer?

  Oh.

• 1:53:17Speaker 03

  And it was with, uh, with.

• 1:53:18Caleb Hammer?

  Why did you stop paying?

• 1:53:20Speaker 03

  I couldn't afford. This was at the same time where all my stuff kinda went into either debt relief or collections. When we separated, I couldn't afford it anymore.

• 1:53:33Caleb Hammer?

  Is there any other debt lines here?

• 1:53:35Speaker 03

  I have a-

• 1:53:36Caleb Hammer?

  You have three more things in collections?

• 1:53:37Speaker 03

  Yeah, I've got Best Buy for 615, Verizon for-

• 1:53:40Caleb Hammer?

  Whoa, whoa, whoa, time.

• 1:53:41Speaker 03

  Sorry.

• 1:53:42Caleb Hammer?

  650 Best Buy.

• 1:53:44Speaker 03

  615, sorry.

• 1:53:44Caleb Hammer?

  615, okay, great.

• 1:53:46Speaker 03

  Um, 295 to Verizon.

• 1:53:49Caleb Hammer?

  Okay, slow down, 295 to Verizon. Okay, we just decided not to pay any of our bills. Okay, what's the next?

• 1:53:56Speaker 03

  And then 300 to, uh, internet company, MediaCom.

• 1:54:00Caleb Hammer?

  What do you guys think of all those collections?

• 1:54:03Speaker 05

  How could I sit there and criticize?

• 1:54:06Caleb Hammer?

  Yeah.

• 1:54:06Speaker 05

  A couple hundred bucks.

• 1:54:07Caleb Hammer?

  I'm not talking about criticizing, but just like you're hearing it for the first time, what do you think? Well, she's bringing it in. If we're trying to combine everything, right, then we're bringing it in.

• 1:54:15Speaker 05

  She's bringing it in. She's also bringing in the discipline to have addressed some of these things. And, um, at this point, I'm not terribly worried about Ella.

• 1:54:26Speaker 04

  Yeah, we've already discussed a lot of it, so.

• 1:54:29Speaker 03

  I mean, I didn't take care of it until this past year. I just let it sit. Well, I mean, other than debt relief, I always made sure to pay that one, but, um, it didn't seem doable until it was doable.

• 1:54:40Speaker 04

  Yeah.

• 1:54:42Speaker 03

  Even though it's small, but like, you know, I told you guys-

• 1:54:44Speaker 04

  Daunting is daunting.

• 1:54:45Speaker 03

  Went from homeless to apartment after this situation. So like, I should have paid to start paying off right then and there.

• 1:54:53Speaker 04

  Yeah.

• 1:54:55Speaker 03

  But I blew money. It's gonna be on there.

• 1:54:57Speaker 04

  I knew we blew some money, but I didn't realize how much. Like, honestly, I can honestly say I didn't realize how much we were blowing. And like, it really does put into perspective. And while this is terrifying and exhausting, I am really excited to get on a path where it doesn't feel daunting, because right now it felt so daunting, so daunting, and I felt really alone.

• 1:55:23Caleb Hammer?

  Okay, okay, okay.

• 1:55:24Speaker 04

  So.

• 1:55:24Caleb Hammer?

  Okay, okay, so isn't it- Again, it was about her, for the sake of it. Yes, it was about your thoughts on her, but it's not about your- Oh, yah, yah, yah. Why doesn't, it doesn't all have to come back to you. We're not gonna get all this together if it's all about you.

• 1:55:43Caleb Hammer?

  I mean, that's true. I'm sorry. I'm not saying that to be a dick. This is how you're doing it.

• 1:55:49Speaker 05

  We really want to fix this. This way we can build a more secure and decent life together. And it's really unfair to bring Ella in on the disaster that our life has become because I haven't been doing the right thing. And Alice thought she had it handled and she didn't. And I

• 1:56:11Speaker 05

  we want our lives to be better and we want her to not have reasons to walk away from us. We want to build something worthwhile.

• 1:56:21Caleb Hammer?

  What do you feel now on the walking away scale?

• 1:56:24Speaker 03

  Everything is achievable, but it does take

• 1:56:27Caleb Hammer?

  It's optimistic.

• 1:56:28Speaker 03

  A lot of work and discipline. And I would like to have a lot more say on, you know, saying no.

• 1:56:37Caleb Hammer?

  Yeah, this was a mess, guys. This was an absolute mess. And it's still a mess going forward. Seventeen dollars and sixty cents in this Chase account. Okay, Salvation Army, McDonald's, McDonald's, Magpipe, Whataburger, Premium, Amazon Prime, selling out $154. Some more bull, bringing it down from 98 to $17 on our checking account. Oh, good. We've overdrafted this year.

• 1:57:04Speaker 03

  I think twice or three times.

• 1:57:06Caleb Hammer?

  Why are we overdrafting and going to McDonald's?

• 1:57:10Speaker 03

  That's

• 1:57:10Caleb Hammer?

  Overdrafting and McDonald's, fuck off. What are we doing? What kind of bullshit is this?

• 1:57:14Speaker 03

  Yeah, that is now my main account. My wisely was my actual main account through my work. So I switched everything over eventually when I felt like I didn't need that couple of days at advanced payment. But it is, it is a lot of bull. Except for the the Zelle. The Zelle is car payment.

• 1:57:39Caleb Hammer?

  Well, for drafting, we'll go into McDonald's. This is insane. Insane. Well, having a monthly service fee of 12 bucks just to have this account because you don't keep enough money in there.

• 1:57:50Caleb Hammer?

  Wisely, that was your main. $2 in there in the main at the time. Door dashing. She's door dashing something for 27 bucks. Matt Tu Tu's Island, Makutu's Island, IHOP McDonald's, going in the gas station, getting into bull. McDonald's. McDonald's, McDonald's, Amazon Prime Video, Premium, Airbnb 336. Why are we going on vacation when we're dying?

• 1:58:19Speaker 03

  Uh, it was the summer vacation.

• 1:58:21Caleb Hammer?

  And why are we doing that when we can't afford life?

• 1:58:24Speaker 03

  Hmm, I wanted to go.

• 1:58:27Caleb Hammer?

  Thoughts? This is who we're bringing in?

• 1:58:30Speaker 03

  We all went.

• 1:58:31Caleb Hammer?

  No judgment? Sure, but come on, what the we doing? Why are we doing this, guys? We can't be going on trips if we can't afford to live. You cannot tell me, oh, no, I couldn't pay my credit card payment if we're spending 336 just for an Airbnb, let alone the travel costs and food and whatever else we're doing there.

• 1:58:48Speaker 03

  Yeah.

• 1:58:50Speaker 03

  Yeah.

• 1:58:51Caleb Hammer?

  Yeah, that's our, that's our groundbreaking thoughts. That's, that's our reflection. Yeah, we're really gonna go somewhere, guys. Pasta, Donut, Domino's, and McDonald's.

• 1:59:08Caleb Hammer?

  What a joke.

• 1:59:12Caleb Hammer?

  This, well, the spending's insanity. Uh, 377 in, uh, this crypto account, okay?

• 1:59:21Speaker 03

  That's mine.

• 1:59:23Caleb Hammer?

  Let's earn 10 here.

• 1:59:28Caleb Hammer?

  What's our intent here?

• 1:59:29Speaker 04

  I just have it. I got it way back when, when we, we didn't have any debt. I just threw some money in it. And, and I just let it sit there. It's up to, I think, five now.

• 1:59:41Caleb Hammer?

  Okay.

• 1:59:42Speaker 05

  Five dollars?

• 1:59:43Speaker 04

  No, five hundred.

• 1:59:44Speaker 05

  Five hundred, okay.

• 1:59:47Caleb Hammer?

  Listen, I mean, I have Bitcoin and that's a good return on investment, you know, sometimes, at least historically. Is it averaging thirty percent a year or not? I don't know, but your credit cards are. I would just wipe your credit cards. That's one thing we know is gonna have a negative return is credit cards.

• 2:00:03Speaker 04

  Right.

• 2:00:04Caleb Hammer?

  Uh, twenty-five dollars in this, some kind of retirement. Target, with, someone's in a target date fund to twenty fifty-five? Who has retirement?

• 2:00:13Speaker 05

  That's probably me.

• 2:00:14Caleb Hammer?

  Okay, yeah. We are dramatically behind as a household in retirement. What is this additional? Oh, thrift savings, so this would be you. Six thousand in there, right? So fifteen plus the six? Is that correct?

• 2:00:27Speaker 04

  Yeah.

• 2:00:28Caleb Hammer?

  So, or twenty-five plus the six?

• 2:00:30Speaker 04

  Yeah. Yeah, that, he has, he has two. He has one from his previous and one-

• 2:00:35Caleb Hammer?

  Thirty-one thousand in retirement, okay.

• 2:00:36Speaker 04

  Yeah.

• 2:00:37Speaker 05

  That'll keep us running for several months, it seems.

• 2:00:43Caleb Hammer?

  Well, that's all the paperwork.

• 2:00:45Speaker 04

  That is all the paperwork. So bathroom, then?

• 2:00:47Caleb Hammer?

  Yeah, we can do a bathroom break.

• 2:00:52Speaker 03

  Yeah, keep your chin up, that's it. Okay.

• 2:00:57Speaker 05

  Sorry about that, I'm making a nice little pile back here.

• 2:01:04Speaker 04

  So, I wanted to say Caleb is very right about something. You are coming into a lot.

• 2:01:11Speaker 03

  It's fine, it's okay, I knew.

• 2:01:13Speaker 04

  You don't have a ring.

• 2:01:15Speaker 03

  Oh my god, are you kidding?

• 2:01:17Speaker 04

  You've been dealing with so much. And you've been doing it all alone. And it's not just us, it's us.

• 2:01:26Speaker 03

  Yeah.

• 2:01:27Speaker 04

  And maybe there'll be more, maybe there'll be more rings, and maybe you'll have a whole handful of rings.

• 2:01:33Speaker 04

  I know, I wanted to at least.

• 2:01:36Speaker 04

  Yeah?

• 2:01:42Speaker 04

  See if this bad boy.

• 2:01:43Speaker 03

  Oh, you know, it's Campbell.

• 2:01:48Speaker 04

  Almost, almost.

• 2:01:49Speaker 03

  Oh, you know what? It's fine. I'll take it. Let's do it here for now.

• 2:01:53Speaker 04

  There you go.

• 2:01:56Speaker 04

  And it's gold, so it's not going.

• 2:01:57Speaker 03

  Thank you.

• 2:01:58Speaker 04

  It's not gonna hurt your little finger.

• 2:02:02Speaker 03

  I hate crying.

• 2:02:05Speaker 05

  She's been trying to do that for months.

• 2:02:11Speaker 04

  Here's the little box.

• 2:02:13Speaker 03

  I know how you like tiny little boxes.

• 2:02:14Speaker 04

  I do like boxes.

• 2:02:18Caleb Hammer?

  Okay, um, okay, well done, I guess. Yes, well done. Now you have one. Now you have one on ya.

• 2:02:23Speaker 03

  That's very sweet of you to think my fingers are small.

• 2:02:25Speaker 04

  They were. They're very tiny.

• 2:02:27Caleb Hammer?

  How much did you spend on that?

• 2:02:29Speaker 04

  So that, that should have actually been on the statement. That was a hundred and...

• 2:02:34Caleb Hammer?

  Okay.

• 2:02:35Speaker 04

  I think it was only like a hundred and thirteen. It wasn't, it wasn't crazy.

• 2:02:38Caleb Hammer?

  Oh, should we make a budget?

• 2:02:40Speaker 04

  Absolutely.

• 2:02:41Caleb Hammer?

  Interesting little detour. Okay.

• 2:02:48Caleb Hammer?

  Does he have to propose to... How does this work?

• 2:02:52Speaker 04

  He will when he's ready.

• 2:02:53Speaker 05

  None of us know the rules, man.

• 2:02:57Caleb Hammer?

  Is that how that works? You propose, but then...

• 2:03:01Caleb Hammer?

  Like legally, nothing happens?

• 2:03:04Speaker 04

  We'll still do a ceremony eventually.

• 2:03:07Caleb Hammer?

  With three?

• 2:03:08Speaker 04

  Yeah.

• 2:03:10Speaker 05

  I think that, um, for a long time before, uh, marriage was a government-recognized institution, it was people who loved each other, expressing that to their friends and family and community and in a, in a way that everyone around them recognized. I don't feel like I need the power of the state to recognize that.

• 2:03:28Caleb Hammer?

  You don't. I'm just thinking of her protection.

• 2:03:30Speaker 05

  I, you, you trust me. Uh, the last thing I want to do is cause her any more grief and you're, you're completely right. If but only we lived in a world where individual liberties were recognized the way they want to be.

• 2:03:40Caleb Hammer?

  There's a libertarian.

• 2:03:43Speaker 05

  Look, it, do you, do you want to know? Uh, may, maybe you'll think this is cute. Maybe you won't. The way I tried to propose to Alice over here was one night I was complaining about taxes. Which is not a surprising thing for me to be doing.

• 2:03:58Caleb Hammer?

  Nobody likes them.

• 2:03:59Speaker 05

  I rolled over and I says, you know, you are as tied to me as anyone has ever been. And our lives are completely intermingled and you could destroy me right now. If you walked out the door, I'd, there'd be nothing left. And I says, why don't we just go ahead and get married so we can get that tax break? Because for all intents and purposes, we're already married. Whether we're married or not is irrelevant because we're, we're already there and let's just get that tax break. And she said that was the least romantic thing she'd ever heard. And I can't think of a more romantic one.

• 2:04:32Speaker 04

  I started laughing because I thought he was joking.

• 2:04:36Caleb Hammer?

  Okay. Well, our debt minimum monthly payments without mortgage is $2,366.17. With the mortgage alone is $3,117. It's not including collections, it's not including the student loans, it's not including.

• 2:04:54Caleb Hammer?

  There was a USA loan, I don't know if I got a minimum payment. Your finances are a mess. So I'm actually gonna, I'm gonna put an extra 100 on the debt minimum payment. It's 2,466. I don't know. Uh, okay, utilities, internet, all combined. What's that looking like on a monthly basis?

• 2:05:11Speaker 04

  So that is.

• 2:05:18Speaker 04

  500 for the electric. Internet is 120.

• 2:05:28Caleb Hammer?

  Water, gas.

• 2:05:30Speaker 04

  No, it's, um, it's on a well.

• 2:05:34Caleb Hammer?

  Okay, so 620. Cool. Gas, vroom, vroom, drive, drive for all three.

• 2:05:40Speaker 03

  About 60 a month.

• 2:05:44Speaker 04

  You're what, 160 a month about?

• 2:05:46Speaker 05

  I have no idea.

• 2:05:46Speaker 04

  About 160.

• 2:05:47Caleb Hammer?

  Okay, and you?

• 2:05:50Speaker 04

  It's gonna be about 160 with the.

• 2:05:53Caleb Hammer?

  Okay, so 380. Car insurance is across the board.

• 2:05:57Speaker 04

  Yeah, it's 200.

• 2:05:59Speaker 03

  And then I'm 180.

• 2:06:04Caleb Hammer?

  Combined 200? Okay, so 380.

• 2:06:09Caleb Hammer?

  And your parents give you a thousand and then you buy all the groceries? Is that the deal?

• 2:06:12Speaker 04

  Basically all the groceries.

• 2:06:13Caleb Hammer?

  Wow, you're getting [__] on that deal. Okay.

• 2:06:15Speaker 04

  They, they buy some stuff for themselves that they keep in their room.

• 2:06:19Caleb Hammer?

  That they keep in their room. Okay.

• 2:06:22Speaker 04

  But I buy, I buy most of the stuff.

• 2:06:25Caleb Hammer?

  Okay, then, okay groceries, let me think.

• 2:06:37Caleb Hammer?

  A thousand, uh, 750? TP fund for everyone, everything else is needed. Do you buy their, uh, toilet paper and toothbrushes?

• 2:06:48Speaker 04

  No, they buy all that.

• 2:06:49Caleb Hammer?

  Okay, but we do it for all three of us and the four kids, so.

• 2:06:58Caleb Hammer?

  I'm gonna say 550. It's not great, but 550. Medical, co-pays, anything like that?

• 2:07:07Speaker 04

  Yeah, I, I have a pretty big, um, medical amounts per, per

• 2:07:15Speaker 04

  month with everything going on. Um, so my co-pays are probably about $250 a month right now.

• 2:07:24Caleb Hammer?

  Okay, 250. Is there a gym?

• 2:07:26Speaker 04

  Uh, yes.

• 2:07:27Caleb Hammer?

  How much?

• 2:07:28Speaker 04

  60.

• 2:07:31Caleb Hammer?

  Uh, subscriptions, I'll try to put in 50. Do we have any pets?

• 2:07:35Speaker 04

  Yes.

• 2:07:36Caleb Hammer?

  Why? How many?

• 2:07:37Speaker 04

  Two dogs.

• 2:07:38Caleb Hammer?

  Ages, health?

• 2:07:39Speaker 04

  Um, one's ancient, about 13.

• 2:07:42Caleb Hammer?

  Okay.

• 2:07:43Speaker 04

  And two.

• 2:07:44Caleb Hammer?

  Pet insurance for that. Two, health?

• 2:07:45Speaker 03

  Uh, good health.

• 2:07:47Caleb Hammer?

  Pet insurance, 40 bucks. Pet food, how much a month?

• 2:07:51Speaker 04

  Um, 60?

• 2:07:52Speaker 03

  Yeah, one big bag.

• 2:07:54Caleb Hammer?

  Anything else? Oh, phone bills?

• 2:07:56Speaker 04

  Oh, yeah. Um, I paid, I paid for the year and so mine's already paid.

• 2:08:01Caleb Hammer?

  What is it a year?

• 2:08:02Speaker 04

  It's about $300 for the year.

• 2:08:04Caleb Hammer?

  Okay, what else besides that?

• 2:08:06Speaker 03

  Uh, I have helium, so I do 15 a month.

• 2:08:09Caleb Hammer?

  That's good. We love that. 35, and this is why you're making progress. You listen to the show, I can tell.

• 2:08:18Speaker 04

  We have, yeah, we have mint and so we pay for the full year for all three of them.

• 2:08:22Caleb Hammer?

  So thirty-five bucks a month.

• 2:08:26Caleb Hammer?

  Anything else that needs to be in the budget? This is the time.

• 2:08:29Speaker 04

  What else do we have that needs? Oh, we have the two cats.

• 2:08:32Caleb Hammer?

  And then necessary to survive budget.

• 2:08:35Speaker 04

  We have the two cats. I almost forgot about the cats.

• 2:08:37Speaker 03

  Yeah, I forgot about the cats.

• 2:08:37Speaker 04

  Yeah.

• 2:08:38Caleb Hammer?

  Ages and health.

• 2:08:39Speaker 04

  Um, they're barn cats, but they're, um...

• 2:08:42Caleb Hammer?

  Are you not getting pet insurance on barn cats? No. Do you not care? Okay, what about food?

• 2:08:47Speaker 04

  They're, they're probably about sixty dollars. It's about the same.

• 2:08:50Speaker 03

  Cat litter, too.

• 2:08:51Speaker 04

  Yeah, it's about the same. It's probably about sixty bucks.

• 2:08:55Caleb Hammer?

  Guys, this is not, well, actually, no, no, no, because the thousand dollars you get, nine thousand nine hundred comes in. We need nine thousand eight hundred and one dollar and thirty-four cents. Wow, okay.

• 2:09:09Speaker 03

  Your salary, right?

• 2:09:10Speaker 04

  Mm-hmm.

• 2:09:11Speaker 03

  Okay, so I just need to pick up registry as well.

• 2:09:12Caleb Hammer?

  So ninety-eight dollars and sixty-six cents left. Now, listen. Not including the mortgage. Not including the mortgage. So what is that? That brings us to five hundred fifty thousand nine hundred and seventy-four dollars and sixteen cents minus four hundred thirty-seven dollars and nine hundred eleven dollars and six cents. So debt, debt, debt that is not mortgages, a hundred and thirteen thousand sixty-three dollars and ten cents. With the ninety-eight dollars and sixty-six cents, that takes one thousand one hundred forty-five months to pay off, which is, I believe, the largest we've had on this show. Probably.

• 2:09:54Caleb Hammer?

  That is also ninety-five years. You guys will not be here.

• 2:09:58Caleb Hammer?

  This is not possible. I hope you get accepted to school, take that, turn it into a higher-paying job. If you do not, you are going and working literally any job that exists. I don't care what it is. They could be driving Uber Eats. They could be doing whatever. You need to bring in money. Your parents need to step the [bleep] up if they're gonna live there and watch your kids more. I'm sorry that life has been hard. They need to contribute because right now the house is on fire. You need to go pick up as many as you do. You're doing enough, work-wise. You need to go pick up as many shifts as you can. It sounds like you can, right?

• 2:10:25Speaker 03

  Yep.

• 2:10:25Caleb Hammer?

  So go and do that. And then we all come together. If we're doing this combined... Listen, as far as banks go to combine into an account, I don't know with three people, but either way, combine, sit down together, even with the anxiety, and we discuss where money went last month, where it was supposed to go, where we [__] up, and what we need to do to adjust next month. Because this does not have any wiggle room with 95 bucks left. Okay? Or with 98 bucks left. Okay? And listen, the solution might be, once you guys change your behavior for three months, go through bankruptcy and do a clean slate. I don't love it. It's expensive, it's stressful, and it's weird. Once we get three people involved, it won't be a three-person bankruptcy. So bankruptcy might be an option, I don't know,

• 2:11:08Caleb Hammer?

  but it's just the dynamic. It's not like three would be involved in the bankruptcy either way. So there's a few solutions. Yes, income, well, let's build it up. Still might be a 10-year payoff plan. Maybe we do bankruptcy, but before you do either, or while you're doing either, you need to prove you changed your behavior, and we can budget as a household, especially with this curious dynamic.

• 2:11:31Caleb Hammer?

  That's what I'd recommend. I'm gonna give them their Hammer Financial Score. Let's do that calculation. But first, make sure you click that join button. Join Hammer Elite for three premium shows every single day, Monday through Friday, and join the post-show for this episode, an extra 20 minutes of this episode where something crazy always happens, and we'll find out. Hammer Financial Score for the household. Well, we overspent, 0 out of 10. Debt, we have collections, 0 out of 10. Emergency fund, we had a little bit in checking account, but nothing in savings. But for the few thousands sitting in that checking account, I'll at least give you 1 out of 10 to be generous. Retirement, dramatically behind. What was it? Total 30?

• 2:12:04Speaker 05

  About 35, you said.

• 2:12:05Caleb Hammer?

  35, and we're like mid-30s on average with the household. Very behind, I'm gonna say 2 out of 10. Real estate, barely in equity position in a house that needs massive updating anyway, and a market that is kind of in the middle of nowhere. It's not thrilling. If you sold today, you wouldn't make much money, but at least you have an asset that will theoretically go up in price. That at least gets you a 5 out of 10 in the interest rate. It's not disgusting.

• 2:12:30Caleb Hammer?

  It's gonna be a hammer financial score just barely rounded up to a two out of 10. Click that join button, join us in Hammerly and don't forget to download the Dollar Wise Budgeting app and get your free trial today. We'll see you in the post show. There is another debt. So we have friend debt and now we have family debt. What is the family debt? Who even owe it? How much?

• 2:12:52Speaker 05

  It's a, it's my uncle.

• 2:12:54Caleb Hammer?

  How much do we owe to your uncle?

• 2:12:55Speaker 05

  Uh, it's, um, it's

• 2:12:59Caleb Hammer?

  exclusive members content. Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.

• 2:13:10Speaker 00

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