$388,000 Of Debt To Storm The Capitol | Financial Audit

You can go to my sponsor https://aura.com/hammer to try 14 days for free. That’s enough time for Aura to start scrubbing your personal info off these data broker sites, without you lifting a finger. 💰 Download Dollarwise- 6.0 Is Now *LIVE* - Big Deals, New Features, Free Trial: https://bit.ly/46fiDYP *WTFFFFF* the amount of things she has coming up that she is about to blow thousands on is *INSANE*... can I convince her not to?? Find out, watch here: ➡️ https://bit.ly/chpostshow ============================= 👉 Checking & Savings: GGet a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-website 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://bit.ly/3JCuwPS ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡️Learn how to budget: https://bit.ly/4sspyGh ⚡️Learn how to invest: https://bit.ly/41mr8OP ⚡️Pay off your debt: https://bit.ly/41mr8OP ============================= *Check Out My Resources* ============================= 👉 Checking & Savings: Get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-youtube-disc 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://bit.ly/4vLOStU 👉 Get FREE MONEY by investing with Public! secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 First 100,000 Mine (formerly Fizz) sign-ups with code HAMMER10 get $10: https://www.usemine.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer ============================= *Chapters* ============================= 00:00 Intro 01:30 Because Of WHAT? 07:20 EERRM She Sounds Kinda Extreme 14:18 Lady, You're A Boomer lol 18:45 ENTITLED ENTITLED ENTITLED 26:20 Shes Just Saying Sh*t 33:00 That Is NOT Enough For Retirement At Her Age 40:40 WAH WAH WAH 41:30 Oh She Doesn't Like Immigrants? 50:00 Income!! 53:32 Oh Her Friend Screwed Her Over lol 56:45 Say It In Front Of A Black Guy 59:20 No Accountability lol 01:02:50 Shes Too Old To Be So Dumb.. Wdym FREE MONEY 01:10:30 Chat, Do We Like Her? 01:26:49 Budget!! 01:32:12 Hammer Financial Score ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:01Speaker 00

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• 0:27Speaker 01

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• 0:56Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. I'm in debt because I didn't attend January 6th. Well, what the [bleep] you mean?

• 1:04Speaker 03

  So my insurrection, my radicalization, started during that.

• 1:08Caleb Hammer?

  What the [bleep]? You said you deserved a year off.

• 1:10Speaker 03

  After grinding for 40 years, I deserved it.

• 1:14Caleb Hammer?

  A year to yourself? What entitlement is this? What bullshit entitlement? [bleep] you. You don't deserve anything.

• 1:19Speaker 03

  Well, BLM, I was gonna donate to.

• 1:20Caleb Hammer?

  Okay, now.

• 1:21Speaker 03

  And then I educated myself.

• 1:23Caleb Hammer?

  Oh. How do you think George Floyd died?

• 1:27Speaker 03

  That's the wrong hero to have.

• 1:30Caleb Hammer?

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• 2:04Speaker 03

  Hi, I'm Pam. I'm 56 years old. Damn.

• 2:09Caleb Hammer?

  I'm sorry.

• 2:09Speaker 03

  From Hudson, Florida, and this is Financial Audit.

• 2:14Caleb Hammer?

  Pam, I was actually laughing, reading the top of the document for this episode for the first time in this channel's history. I was in my office laughing.

• 2:28Speaker 03

  Oh, no.

• 2:28Caleb Hammer?

  Because you telling Lindsay, "If it's your aesthetic, I'm in debt because I didn't attend January 6th."

• 2:40Caleb Hammer?

  What the [bleep] are we talking of? What the [bleep] do you mean?

• 2:44Speaker 03

  That's how kind of all this started brewing.

• 2:46Speaker 04

  And I only wish that my friend Mike Pence had that additional courage.

• 2:52Caleb Hammer?

  January 6th?

• 2:54Speaker 03

  So my insurrection, my radicalization, started during that time.

• 3:00Caleb Hammer?

  Okay, and you're in debt because of that?

• 3:03Speaker 03

  I was supposed to be there, and I did not attend because I had previously agreed to go to Marco Island with some friends that I vacation with every year in January. We usually go to Puerto Rico, but we went to Marco Island.

• 3:15Caleb Hammer?

  Do you have FOMO of Jan. 6th?

• 3:17Speaker 03

  Um, well, I was kind of following along because we had a rainy day on January 6th down in Florida. And here's my friends all sending me videos of what's going on on January 6th. And I'm watching the news, and it's all hell breaking loose. And here's my friends singing, and everything's peaceful and sweet. And now I'm seeing like, there's all kinds of violence going on. So now, other people are messaging, saying, "What's going on there?" So how is it that half the crowd didn't know that there was an insurrection happening?

• 3:52Caleb Hammer?

  I don't, I wasn't there. I don't know. I didn't, I didn't participate myself. Um, I'm...

• 3:59Speaker 03

  Kind of wild.

• 4:00Caleb Hammer?

  I don't know. It was a big political moment. I'm sure there are people there that had no idea what was going on. I'm sure if I was there, I wouldn't be participating in any violent things, and...

• 4:09Speaker 03

  Exactly.

• 4:10Caleb Hammer?

  But there were some people that were.

• 4:12Speaker 03

  That were.

• 4:12Caleb Hammer?

  As well, so...

• 4:13Speaker 03

  Absolutely. Caught on video.

• 4:15Caleb Hammer?

  I don't know. How the [bleep] is you not going? There, leading to you being in debt. I'm so confused. That makes no sense. Make that make sense to me.

• 4:25Speaker 03

  I know.

• 4:25Caleb Hammer?

  So you didn't throw a chair through a window. Now you're in debt?

• 4:27Speaker 03

  Absolutely not. But, well, so that's like 2021 that happened, right? Because it was after the 2020 election.

• 4:35Caleb Hammer?

  Are you saying because Trump wasn't still in office, you're missing your mortgage payment? He's in office now.

• 4:40Speaker 03

  Oh, yeah, yeah. But at that point, now, personally, I was a poll worker during the 2020 election as well, in Tampa, Florida. And they were also saying, there's no fraud in the elections. There's no fraud in the elections. I also witnessed that. Not kidding.

• 5:01Caleb Hammer?

  Okay.

• 5:03Caleb Hammer?

  And you're missing a mortgage payment because of that?

• 5:07Speaker 03

  Well, so this started the whole radicalization process where I'm just like,

• 5:11Caleb Hammer?

  Of who? Of you?

• 5:12Speaker 03

  None of this? Yes.

• 5:13Caleb Hammer?

  Oh, tell me. Okay, sure.

• 5:14Speaker 03

  The world is cuckoo at this point. I'm seeing these things.

• 5:18Caleb Hammer?

  The world has probably always been cuckoo. Humans are, I assume. Okay, so you got radicalized. I don't really like radicals, I'll be honest.

• 5:27Speaker 03

  I just figured that could have easily been me. And actually,

• 5:31Caleb Hammer?

  What could have been? Voting illegally?

• 5:33Speaker 03

  Going into the Capitol during that time, not voting illegally, but watching illegal votes being made.

• 5:42Caleb Hammer?

  Okay, you saw illegal votes being made?

• 5:44Speaker 03

  Yes.

• 5:45Caleb Hammer?

  Or do you volunteer at the poll work? Isn't that like kind of what you're supposed to be?

• 5:49Speaker 03

  Right.

• 5:50Caleb Hammer?

  Oh, sorry, you don't have the right ID or something?

• 5:52Speaker 03

  Right, yeah. And I was,

• 5:53Caleb Hammer?

  Why were you letting it happen then?

• 5:55Speaker 03

  I wasn't. I was rejecting too many voters, so they took me off the poll pad at school.

• 6:00Caleb Hammer?

  Were you correctly rejecting voters?

• 6:02Speaker 03

  Yes. They all had the same birthday, like a whole group of people come in and they all have a January 1st, same year, birth date. The address will come up and it's not even a home.

• 6:13Caleb Hammer?

  I just have to take your word that that happened.

• 6:16Speaker 03

  Yeah.

• 6:16Caleb Hammer?

  Okay, so what happened on that?

• 6:18Speaker 03

  Well, there were several things that were happening, so they put me in where the ballots just get put in. They didn't want me on the poll pad anymore because I was rejecting too many voters.

• 6:29Caleb Hammer?

  Without me seeing it, I can't like, I can't believe or even not believe. It's like it's air. It's just words. Like it's nothing. Like, but what? Okay.

• 6:40Speaker 03

  Well, for example, a minor came in. She's 17 years old. She knows damn well she can't vote. So I say, hey.

• 6:47Caleb Hammer?

  Maybe she's, I don't know.

• 6:50Speaker 03

  She looked smart.

• 6:51Caleb Hammer?

  Did she think she could vote? I don't know.

• 6:53Speaker 03

  Maybe. But I told her, no, you can't because you're a minor. You have to be 18.

• 6:57Caleb Hammer?

  Yeah.

• 6:57Speaker 03

  And they told her to go walk to the other end and they handed her a ballot. So, you know, what's going on with it? So as a registered independent, they let me be a poll worker. What I found out afterwards was that they didn't have any Republican poll workers there. They just had Democrat and independent. So that's how I got in, I guess. I was a Democrat in Massachusetts. I had voted that way all along.

• 7:25Caleb Hammer?

  Where's this going?

• 7:26Speaker 03

  It's going to my, um, kind of meltdown, financial meltdown, I would call it.

• 7:31Caleb Hammer?

  So Trump didn't win in 2020.

• 7:34Speaker 03

  Right.

• 7:34Caleb Hammer?

  He came back in 2024.

• 7:35Speaker 03

  It was crazy. Yeah.

• 7:37Caleb Hammer?

  Okay. I mean, an election's an election, whatever.

• 7:39Speaker 03

  Right. Yeah. 81 million votes for Biden. Yeah.

• 7:42Caleb Hammer?

  Was that the number? I wasn't tracking.

• 7:44Speaker 03

  Yeah. Well, um.

• 7:45Caleb Hammer?

  Personally?

• 7:46Speaker 03

  Yeah. Well, I also did work for Look Ahead America and looked at voter rolls as well.

• 7:50Caleb Hammer?

  Look Ahead Americas. Do we, what? Okay.

• 7:53Speaker 03

  We were tracking, um, people voting in multiple states. So to say that there was no fraud and to say it's incidental, if I'm finding it and I'm a nobody, then other people must see it.

• 8:06Caleb Hammer?

  I don't know what I would say about that. Again, I don't know. You're not saying anything. If you give me like a policy, usually people like that are so it, it, it seems like you're you're on the extreme right. Okay. Usually people on the extreme left on this show, they give me like a political position that I can shit on. You're not even giving me one. You're just like saying.

• 8:23Speaker 03

  I'm not extreme.

• 8:24Caleb Hammer?

  You're like.

• 8:25Speaker 03

  I'm not extreme.

• 8:26Caleb Hammer?

  I don't know. You called yourself radical. That is extreme.

• 8:29Speaker 03

  Well.

• 8:29Caleb Hammer?

  Like I'm using my own words.

• 8:30Speaker 03

  From like crazy liberal thinking that, you know, Trump is a psycho and a douche canoe. We used to call him in roller derby.

• 8:40Caleb Hammer?

  Everyone on the right hates Biden. Everyone on the left hates Trump. I don't know. This is what they all do. This is what, that's.

• 8:47Speaker 03

  I hate the both.

• 8:48Caleb Hammer?

  Oh, okay.

• 8:49Speaker 03

  Yeah.

• 8:49Caleb Hammer?

  Okay, I mean, I mean, the only position you gave me is you saw people illegally voting. Like, I can't

• 8:54Speaker 03

  Yeah.

• 8:54Caleb Hammer?

  deny or say I agree. Like, I don't know, I wasn't there. You're just saying something.

• 8:59Speaker 03

  So, nobody's there to protect us, right? Your vote kinda doesn't matter at this point.

• 9:03Caleb Hammer?

  I'm confused. I do not understand what that has to do with

• 9:12Caleb Hammer?

  being laid or something or more. I don't even know. Finances. Okay, so you were radical in one direction and you moved radical in the other direction. It tends to happen. I mean, trust me, like, uh, su- super-left Bernie Boz went super-right as well. Like, that ten- people that fall for populism. Many people are very populist. They tend to just go populism on any direction. I don't know. It's like, I just try to stay as much as I can in the middle. I'll take positions on the right and left, just depending where facts are, but you definitely seem like you just go from radical to radical. I don't know, but regardless, I have no idea what the f- that has to do with any f- thing.

• 9:51Speaker 03

  I'm from Massachusetts. My world is completely different. I was sitting on a pile of money. I ended up buying, I said, you know what? Florida, I'm gonna stay here. Um, I had been dating somebody up north and we were going to move to Florida together.

• 10:06Caleb Hammer?

  Okay.

• 10:07Speaker 03

  We split.

• 10:08Caleb Hammer?

  I hear Florida's nice.

• 10:09Speaker 03

  It's very nice.

• 10:10Caleb Hammer?

  Okay.

• 10:10Speaker 03

  And I said, I fell in love with Florida anyway. So, that was in 2019.

• 10:15Caleb Hammer?

  Nice and red for ya.

• 10:16Speaker 03

  This is everyone's super nice and friendly.

• 10:20Caleb Hammer?

  Well, Florida is nice and red for ya.

• 10:22Speaker 03

  Yeah.

• 10:23Caleb Hammer?

  It's very Republican now.

• 10:24Speaker 03

  Everybody's nice and friendly, though.

• 10:26Caleb Hammer?

  Okay.

• 10:27Speaker 03

  Yeah.

• 10:27Caleb Hammer?

  Well, I was just-

• 10:27Speaker 03

  I'm not getting, like, whistles in my ear for having a different opinion.

• 10:35Caleb Hammer?

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• 11:19Caleb Hammer?

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• 11:40Caleb Hammer?

  Is that what they do in Massachusetts?

• 11:42Speaker 03

  They would, yes, absolutely.

• 11:46Speaker 03

  There's so much of that going on. Nobody can speak, yes.

• 11:52Caleb Hammer?

  Okay, Austin is incredibly blue, one of the bluest cities in America. I have not got a whistle there.

• 11:56Speaker 03

  Well, because you're not out there with, you know, like a Trump shirt on or a hat or whatever. Yeah.

• 12:01Caleb Hammer?

  I don't really advocate for.

• 12:03Speaker 03

  Either.

• 12:03Caleb Hammer?

  Shit.

• 12:04Speaker 03

  Cause, yeah, but if you did.

• 12:05Caleb Hammer?

  Just sound economics and.

• 12:07Speaker 03

  Some weirdo with a whistle would come up and blow it in your ear.

• 12:09Caleb Hammer?

  Okay, so you were in big protests, protests versus protests.

• 12:12Speaker 03

  Yes.

• 12:13Caleb Hammer?

  So you got involved in the crazy shit?

• 12:15Speaker 03

  Yes, a little bit.

• 12:16Caleb Hammer?

  Well, I'm not surprised. That gets heated when two political factions go at it on the street.

• 12:22Speaker 03

  Absolutely, but one can debate and one cannot.

• 12:25Caleb Hammer?

  Okay.

• 12:25Speaker 03

  One has some facts and one does not.

• 12:28Caleb Hammer?

  Also just depends on what facts we agree with. I mean, I don't know, I, I, I took a political competence test the other day. I lean left socially and I lean right economically. It's like, sure, but where can you say just like facts are like, who even knows what that is? What can you back up with anything? I, oh my gosh, you're gonna get me sucked. Okay, sure, what's an indisputable fact?

• 12:48Speaker 03

  Indisputable.

• 12:49Caleb Hammer?

  Yeah, suck me down this rabbit hole.

• 12:50Speaker 03

  Indisputable fact, 17 year old got to vote in our election.

• 12:53Caleb Hammer?

  Okay, that's not an undisputable fact because like I might believe it happened, but you can't say it's an undisputed fact, just something that only you saw. It's like, cause you can't show someone that, you, right? This isn't a scientific report that we can be like, this is an undisputable fact.

• 13:10Speaker 03

  But I tell the truth. I don't need to lie about anything.

• 13:13Caleb Hammer?

  We just have to believe that, I guess. I met you. Okay, we've been filming for thirteen minutes thirty seven seconds, so I met you twenty minutes ago. Okay.

• 13:23Speaker 03

  I actually saw so much stuff that day.

• 13:25Caleb Hammer?

  Okay.

• 13:25Speaker 03

  I had a notarized statement that I turned in to the election committee. I was that upset.

• 13:30Caleb Hammer?

  And what am I supposed to do with that?

• 13:32Speaker 03

  What is going on? So just think about it.

• 13:36Caleb Hammer?

  Okay.

• 13:36Speaker 03

  You see, you see all this stuff going down.

• 13:40Caleb Hammer?

  And maybe others do too, but honestly, I'm not, I don't really, I'm not in that world. That's not one of my big things to...

• 13:47Speaker 03

  Yeah, so this is my perspective. I go in there thinking that, you know, everything is lovely. We have our rights and, you know, that's why I volunteered to be a poll worker. I get paid to do it regardless for my job.

• 13:57Caleb Hammer?

  Well, states run the elections. Get Florida to make it more strict. I don't know.

• 14:01Speaker 03

  Yeah, and the way they make it more strict is to have ID, but when you're rejecting ID, they take you off the poll pad so that somebody will accept every ID.

• 14:09Caleb Hammer?

  I don't know. Florida's not a left state by any means. I'm pretty sure they have a complete ownership on all branches of government in Florida, right? If I'm not mistaken.

• 14:18Speaker 03

  Not Tampa or Orlando.

• 14:20Caleb Hammer?

  Doesn't matter. It's state election laws.

• 14:22Speaker 03

  Right, yeah, but it depends on who gives you the ballot.

• 14:26Caleb Hammer?

  And this led you to be with a shit ton of debt? Someone voted illegally?

• 14:31Speaker 03

  Absolutely. Well, think about it. I'm in there. Everything is lovely. I believe that our government is working for us. They're not. Nobody cares. It's, it's done, right?

• 14:42Caleb Hammer?

  Sure, okay, yeah.

• 14:44Speaker 03

  Yeah, so I moved to Florida. Everything's great.

• 14:49Caleb Hammer?

  Okay, so it was in Massachusetts where that was happening?

• 14:53Speaker 03

  No, that was all in Florida.

• 14:54Caleb Hammer?

  Then why'd you say, "So I moved to Florida"? Okay.

• 14:56Speaker 03

  Yeah.

• 14:56Caleb Hammer?

  Sequences of events, lady.

• 14:58Speaker 03

  We're in Florida now, yes.

• 15:00Caleb Hammer?

  Okay, you're in Florida now. Okay, and?

• 15:03Speaker 03

  What I got from my little beach cottage in Massachusetts, I bought a beautiful house.

• 15:10Caleb Hammer?

  Beach cottage in Massachusetts? That's like dreams and goals, though.

• 15:14Speaker 03

  Right, but I'm not, I don't have boomer wealth.

• 15:18Caleb Hammer?

  Well, you're a boomer, that's for sure.

• 15:20Speaker 03

  Yeah, I'm close, I think. I don't know.

• 15:22Caleb Hammer?

  Oh, you're a boomer.

• 15:23Speaker 03

  What? I'm a Gen X.

• 15:27Caleb Hammer?

  Okay, we wanna go to red state. We wanna leave blue state, go to red state. Okay, that's what I'm connecting, I think.

• 15:33Speaker 03

  More sanity, especially with all the covid stuff that was going on.

• 15:36Caleb Hammer?

  There you go.

• 15:37Speaker 03

  Lovely.

• 15:37Caleb Hammer?

  Very good. Okay, sure, so that's why you're in Florida. Okay, so it's not because... So what, are you saying that you could have overturned the election if you were there on January 6th and that would have stopped all the covid issues?

• 15:47Speaker 03

  No, but I could have been in a prison, in a gulag somewhere, wherever they're putting people.

• 15:52Caleb Hammer?

  So you wouldn't be in debt because you would be in a gulag?

• 15:55Speaker 03

  Well, partially, right?

• 15:59Speaker 03

  I'd be done for.

• 16:00Caleb Hammer?

  Um, okay, okay, very good. So you moved to Florida to get a little taste of, uh, red. Now you're red. Very good. Okay, so you went from extreme left to extreme right? You are not independent. You are not independent. You are not independent. I'm independent. When people like you say independent, it ruins people who actually are. You're not independent.

• 16:22Speaker 03

  I, I...

• 16:23Caleb Hammer?

  Just own your shit. It's okay. You'll listen to everyone, but you're clearly, you already have your worldviews. Dude, own it. I don't care if someone's left or right, but own it. Don't say you're independent.

• 16:32Speaker 03

  Absolutely independent.

• 16:34Caleb Hammer?

  Bro.

• 16:35Speaker 03

  I can, I do not like what Trump's doing right now, at all.

• 16:38Caleb Hammer?

  What, what don't you like?

• 16:40Speaker 03

  About, I, cuz I don't know enough about it, right? Like Iran, with the war and stuff, like...

• 16:45Caleb Hammer?

  What, which part?

• 16:46Speaker 03

  Because he said...

• 16:47Caleb Hammer?

  But is it because of America first?

• 16:49Speaker 03

  He didn't...

• 16:49Caleb Hammer?

  Or is it because...

• 16:50Speaker 03

  Yeah, like...

• 16:51Caleb Hammer?

  Well, there you go. That's usually a more right-leaning populist pers- perspective.

• 16:56Speaker 03

  Yeah, cuz we should take care of our people here.

• 16:59Caleb Hammer?

  Well, there you go. That's usually, that position on the anti-Iran comes from the right, uh, populace. Like, um, uh, Fuentes and stuff. Okay, very good. So, I mean, that's not screaming centrist to me. What else do you disagree with, centrist?

• 17:12Speaker 03

  A lot of things. I'm socially liberal as well.

• 17:16Caleb Hammer?

  What?

• 17:16Speaker 03

  In some ways.

• 17:17Caleb Hammer?

  In what ways?

• 17:18Speaker 03

  We should have, we should be able to help out people. This country has so much money, we're just printing it for some reason.

• 17:23Caleb Hammer?

  Well, I mean, 50% of it goes to the health and taking care of people.

• 17:27Speaker 03

  I can't print my own money.

• 17:29Caleb Hammer?

  Well, yeah, that wouldn't be very good.

• 17:32Speaker 03

  What am I paying taxes for?

• 17:33Caleb Hammer?

  Huh?

• 17:34Speaker 03

  What am I paying taxes for?

• 17:39Caleb Hammer?

  Well, 50% again to health and taking care of people. I mean, even though I'm sure there's lots of fraud and a lot of bullshit, but okay, so you disagree with-

• 17:47Speaker 03

  Lots of it.

• 17:49Caleb Hammer?

  But you say I disagree with Trump. When you say that, you just mean Iran, which has split the right.

• 17:55Speaker 03

  Well, it's just that all the things that he campaigned on don't, doesn't seem to be coming to fruition.

• 18:01Caleb Hammer?

  But usually those people that say that from the right wing perspective is because not enough deportations. So they're upset with that from the Trump administration, the war in Iran, because it's not American fur, America first. What else?

• 18:15Caleb Hammer?

  You're not centrist, lady. Let's just be honest. You're not centrist. You come from the right, the right perspect, the, the, the right wing perspective. But own it. I don't give a [bleep]. Own it, though. Don't say you're centrist. You're not centrist. You said your only liberal belief is you're okay having a little bit of welfare? Every, every modern economy believes that. Everyone believes that.

• 18:39Caleb Hammer?

  Okay, that's it.

• 18:40Speaker 03

  Alright, so you wanted to know how this all ended up happening, right?

• 18:43Caleb Hammer?

  Yes, please. Yeah, take me there.

• 18:46Speaker 03

  So, I'm, it's now 2021, bought my house, which, okay, here's a liberal thing. I bought a swingers house.

• 18:55Caleb Hammer?

  People like to [bleep] believe you, believe it or not, regardless of political ideology.

• 18:59Speaker 03

  Yeah.

• 19:00Caleb Hammer?

  Just gonna let you know. But, okay, yeah, very, very left of you.

• 19:03Speaker 03

  I had to invest some of the money from the sale of my house into this house, so I wasn't-

• 19:07Caleb Hammer?

  That's usually how it works, when you sell a house and buy a house.

• 19:09Speaker 03

  Yeah. So it hadn't been updated since 93.

• 19:12Caleb Hammer?

  Oh, for [bleep] sake, why did you buy a house that would require that much work to bring it up to date three decades?

• 19:17Speaker 03

  Because I fell in love with it.

• 19:18Caleb Hammer?

  Why?

• 19:19Speaker 03

  Because it looked like a house that a Florida person would come out of in a pastel suit and a Ferrari in the yard.

• 19:27Caleb Hammer?

  So it looks like a house built in Florida?

• 19:29Speaker 03

  Yes.

• 19:29Caleb Hammer?

  I feel like there's probably more of them.

• 19:31Speaker 03

  Yes. The whole neighborhood looks like that.

• 19:33Caleb Hammer?

  Oh.

• 19:34Speaker 03

  And it had a pool.

• 19:35Caleb Hammer?

  Oh, that's very rare for Florida.

• 19:37Speaker 03

  After grinding for four years-

• 19:40Caleb Hammer?

  Yes, yes, yes.

• 19:41Speaker 03

  I deserved it.

• 19:42Caleb Hammer?

  Grinding doing what? No such thing as deserved, by the way. [bleep] you.

• 19:45Speaker 03

  Absolutely deserve it.

• 19:47Caleb Hammer?

  Okay.

• 19:48Speaker 03

  I was cleaning dirty hotel rooms-

• 19:50Caleb Hammer?

  More left position of you. You deserve [bleep] you. No, you don't. Work and get. Work and get or don't. It's up to you what you do with your life.

• 19:58Speaker 03

  Yeah.

• 19:58Caleb Hammer?

  But go ahead.

• 19:59Speaker 03

  So I'm like 16 years old counting pills in a pharmacy. And giving out medications to people. It was legal.

• 20:06Caleb Hammer?

  Wow.

• 20:06Speaker 03

  In 1986.

• 20:07Caleb Hammer?

  What trauma, okay.

• 20:08Speaker 03

  I'm cleaning hotel. I'm talking about like people that don't have to do these things now. Who are having their parents taking care of them. Like me, I was working this whole time and now I'm seeing like, it doesn't matter where my taxes go. Cleaning dirty hotel beds in a hotel, having to wear gloves.

• 20:30Caleb Hammer?

  Taxes, I don't know. What are you, what are you saying right now?

• 20:33Speaker 03

  Yeah.

• 20:33Caleb Hammer?

  You worked. Congratulations. You did what everyone does.

• 20:37Speaker 03

  Yeah.

• 20:38Caleb Hammer?

  Okay.

• 20:39Speaker 03

  So after 40 years of doing that.

• 20:40Caleb Hammer?

  Yeah.

• 20:41Speaker 03

  I'm done. I want to have a year.

• 20:43Caleb Hammer?

  Can you afford it? A year to yourself? What entitlement is this? What bullshit entitlement? You. Until modern civilization, people just worked and died on the field. I don't give a fuck. You, you don't deserve anything.

• 20:54Speaker 03

  I absolutely do.

• 20:55Caleb Hammer?

  No, you absolutely don't. No one deserves anything. I don't deserve anything. If I work hard, if I'm strategic with my money, I can afford, reap what I sow. No one deserves. I'm sorry. The only things I would be okay with deserve is like, yeah, maybe basic like minimum food and we got that. And you know, just like making sure people survive. Okay. I'm good with that part. Sounds like you are too, but deserve. You don't, no one deserves to take a year off of work.

• 21:22Speaker 03

  No, I worked during the whole thing. I worked during my.

• 21:25Caleb Hammer?

  Sounds like you didn't take a year off.

• 21:26Speaker 03

  2025.

• 21:27Caleb Hammer?

  Okay. Uh huh. The house looks like a normal ass house. I don't know. I just pulled it up on Zillow, so.

• 21:35Speaker 03

  It's very special.

• 21:36Caleb Hammer?

  No.

• 21:37Speaker 03

  It was special to me and that's why I bought it.

• 21:39Caleb Hammer?

  No.

• 21:40Speaker 03

  Yeah. Changed the pool to saltwater.

• 21:43Caleb Hammer?

  Whoa.

• 21:44Speaker 03

  Yeah. Painted inside, had to get rid of that carpet.

• 21:48Caleb Hammer?

  Paint?

• 21:49Speaker 03

  Didn't know what was in that carpet. Had to get all the mirrors off the walls.

• 21:53Caleb Hammer?

  Wow.

• 21:53Speaker 03

  Fully mirrored.

• 21:54Caleb Hammer?

  Hero. The trauma you've been through in your boomer life.

• 21:58Speaker 03

  So there goes.

• 22:01Speaker 03

  We're gonna learn you today.

• 22:03Caleb Hammer?

  Yeah, learn me something. You learned me that you did pill separation. I definitely bet the person who gives me my monthly medication doesn't do that.

• 22:10Speaker 03

  Probably not, because it's illegal now.

• 22:12Caleb Hammer?

  What? Does fucking count pills?

• 22:14Speaker 03

  Count pills, yeah.

• 22:15Caleb Hammer?

  Oh, minors, yeah, but when? You were making money when you were young. Okay, I don't, I don't know. I was a, I worked the sick and shake that age.

• 22:21Speaker 03

  Here is all like this shit going on, where obviously, we don't have a government that gives a shit about us.

• 22:26Caleb Hammer?

  Oh my gosh.

• 22:27Speaker 03

  So, I'm like, so why is?

• 22:31Speaker 00

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

• 22:56Speaker 03

  And now I'm getting stressed because of work.

• 22:58Caleb Hammer?

  Yeah, what are you, what's your job stressed out?

• 23:01Speaker 03

  Young, yeah. So I said, you know, I got.

• 23:04Caleb Hammer?

  What's your job?

• 23:05Speaker 03

  I'm a project manager for energy management.

• 23:08Caleb Hammer?

  You're stressed out being a product, project manager, something AI can basically do for you? God, how are you stressed being a project manager?

• 23:18Speaker 03

  It was the situations that I was in.

• 23:21Caleb Hammer?

  Yeah?

• 23:21Speaker 03

  Within this company.

• 23:23Caleb Hammer?

  Let me guess, the project became complicated?

• 23:25Speaker 03

  No, I could handle complicated.

• 23:27Caleb Hammer?

  The people became complicated?

• 23:29Speaker 03

  Yes.

• 23:29Caleb Hammer?

  Whoa, that never happens in social workplaces, environments at all, with humans, complicated creatures. Drowning in student loans with massive interest rates? I see it on the show all the time. People get a loan to advance their careers, only to be left with sky-high interest rates and crazy minimums that leave their paycheck gutted. Maybe you've already gone to a normal lender to try to refinance your private student loans, and they looked at your less-than-perfect credit score and hung up the phone. Maybe part of you even thought, "Yeah, that tracks. I guess I'm stuck. Stop it." You don't deserve to be buried in a high-interest loan for the rest of your life because you hit a rough patch. The banks aren't rejecting you because you're a lost cause. They're rejecting you because you're not profitable enough for them at a manageable rate.

• 24:10Caleb Hammer?

  Where Y refi comes in. Y refi works specifically with borrowers who can't get refinancing through traditional lenders. It's their whole thing. They refinance private student loans, so you're only paying interest between 0.1% and 5.99%. And they legally cannot charge you more than that. They'll even customize your payments to get you out of debt at a pace that works for you. And if you need a co-borrower released from your loan, they've got a program for that, too. Plus, their team is in Phoenix, Arizona, so when you call them, you talk to a real person. It only takes three minutes to check your rates and it doesn't impact your credit score. If you've been told no a million times, try Y refi. Head to Y refi dot com slash hammer. That is Y R E F Y dot com slash hammer. Or call triple eight Y refi seventy eight. That is eight eight eight Y refi seventy eight.

• 24:52Caleb Hammer?

  Break free from the high interest trap and get your finances under control once and for all.

• 24:56Speaker 03

  But here I am, like forty years of grinding.

• 24:59Caleb Hammer?

  Oh, you did it.

• 25:00Speaker 03

  I get some medical bad news.

• 25:03Caleb Hammer?

  Cancer?

• 25:03Speaker 03

  I was, um, I actually have a aneurysm in one of my aortas, but it was due to stress, so.

• 25:11Caleb Hammer?

  Okay, is it still there?

• 25:13Speaker 03

  Yes.

• 25:13Caleb Hammer?

  Okay, what do you do about it?

• 25:15Speaker 03

  Yeah, well, the first doctor basically was just telling me that there's nothing I can do about it. And I'm just gonna have to deal with it and it'll burst.

• 25:26Caleb Hammer?

  Okay.

• 25:26Speaker 03

  We're gonna monitor it.

• 25:27Caleb Hammer?

  And when it does, what happens?

• 25:29Speaker 03

  You die.

• 25:29Caleb Hammer?

  Oh, that's not good.

• 25:30Speaker 03

  Right, yeah. So refuse to do anything.

• 25:34Caleb Hammer?

  Stress, do you take like a medication or something like, I don't know.

• 25:39Speaker 03

  Yeah, so I did all the things. I lost the weight. I went down to one hundred and thirty five. I was in my goal weight. So this is all before this financial meltdown happened.

• 25:46Caleb Hammer?

  Financial meltdown, ah, yes.

• 25:48Speaker 03

  In YOLO twenty twenty five.

• 25:49Caleb Hammer?

  Ah, yep, the year of January sixth.

• 25:52Speaker 03

  Yeah, well, that's, that's, that's the, that's the basis of this.

• 25:55Caleb Hammer?

  No, it's not.

• 25:56Speaker 03

  Cause I was happy, happy, happy. That happened.

• 25:59Caleb Hammer?

  You're happy until January sixth happened and then you're angry? Which led you to be in stress and get an aneurysm?

• 26:06Speaker 03

  Um, it's related.

• 26:07Caleb Hammer?

  Okay, so Trump was president, twenty sixteen, he won.

• 26:14Caleb Hammer?

  Trump lost. January 6th happened. That upset you. You got stressed and fat. You had an aneurysm. That's the sequence of events? Did I finally get it 28 minutes in? Cause that kind of answers that, I guess, actually. Is this, so is that what happened?

• 26:31Speaker 03

  No, I'm, I'm stressed, stressed, stressed. Just with what's going on in the world. Just knowing that this.

• 26:38Caleb Hammer?

  Okay, then the world is not for you. It's time to disconnect. Then disconnect. Disconnect.

• 26:43Speaker 03

  Yeah.

• 26:44Caleb Hammer?

  Disconnect. It's not for everyone. If you can't handle the news, don't listen to it. And your life won't change. Like the world won't change around you, but your life will be improved. Some people, I like to be informed as much as I can, but it doesn't stress me out. So I'm okay. But if it stresses you out to the point of death, disconnect.

• 27:04Speaker 03

  But that's.

• 27:04Caleb Hammer?

  Nothing will change.

• 27:05Speaker 03

  That was, that was a different kinda.

• 27:07Caleb Hammer?

  What happens if you're not as invested? The world doesn't get better or worse. So just stop, you're dying.

• 27:16Speaker 03

  Well, this was my mindset. Okay, I'm just laying the foundation of the mindset of where I was when YOLO 2025 had to begin.

• 27:27Caleb Hammer?

  Okay, so YOLO 2025, right. Okay, the third time I've heard it, that must mean it means something.

• 27:33Speaker 03

  Well, it's just when this meltdown happened. It kinda started in 2024. So here I am, like working, working.

• 27:40Caleb Hammer?

  So YOLO 2025 started in 24.

• 27:42Speaker 03

  It's all bullshit. Yeah, a little bit.

• 27:44Caleb Hammer?

  It's all bullshit. What do you mean it's all bullshit? Let's define that worldview. If that was, if that's what defines all of your finances.

• 27:49Speaker 03

  It doesn't matter what you vote for, doesn't matter who's in the, in, who's president.

• 27:54Caleb Hammer?

  Objectively wrong. Doesn't really matter with national debt. You're correct on that, but social policies and a lot of different things, foreign policy? Absolutely it matters. What are you talking about? We definitely, what, what?

• 28:04Speaker 03

  What has changed?

• 28:05Caleb Hammer?

  What, what has changed in terms of foreign policy specifically?

• 28:09Speaker 03

  No, I'm just saying in my day to day life.

• 28:11Caleb Hammer?

  Biden, I don't think would have done anything with Iran, good or bad, you know?

• 28:15Speaker 03

  He doesn't even know what planet he was on.

• 28:16Caleb Hammer?

  Sure, okay, but but listen, like, Trump went in, he was much more against, you know, Iran getting a nuclear missile, you can agree or disagree with the war, but like, I don't think Biden would have done that. Okay, very good. Biden, well, Trump ripped up the Iranian nuclear deal. You can agree or disagree with the deal, doesn't matter. Biden wouldn't have done that. Trump didn't in his first term. There are different things that happen, okay? We're much more, or a ru-ru Ukraine against Russia during the Biden administration, a lot more money going over there. Things are different, you know, where we.

• 28:46Speaker 03

  Yeah, just whose pocket the money is going into.

• 28:48Caleb Hammer?

  No, no, I mean, even just the relationship with NATO is different. The trade tensions and trade policies and even just the conversations around Greenland, it's different. It's a different administration. You can't say nothing matters.

• 29:03Speaker 03

  It doesn't matter in my day to day life.

• 29:06Caleb Hammer?

  Well, okay, that's relatively true. Now, now, the tax cuts would have expired, your taxes would have actually gone up a little, so it actually does kind of matter. So you can't actually say that, but, okay, closer to true than not.

• 29:19Speaker 03

  Right, so the one.

• 29:20Caleb Hammer?

  So I'll give you that.

• 29:20Speaker 03

  One thing that I did notice that changed, though, was the interest rate on my student loan.

• 29:25Caleb Hammer?

  Okay, well, that's the Federal Reserve, lady.

• 29:27Speaker 03

  Yeah, well, the Federal Reserve, under Biden, I got an 8% student loan.

• 29:31Caleb Hammer?

  Dude, that was Jerome Powell, who was put there by Trump in his first term.

• 29:36Speaker 03

  He's terrible at his job.

• 29:38Caleb Hammer?

  Okay, but that wasn't Biden.

• 29:39Speaker 03

  It was during his time.

• 29:40Caleb Hammer?

  I'm not sucking Biden's dick. It doesn't matter. The Federal Reserve is independent of the president.

• 29:44Speaker 03

  All right, and that's why we can't get good interest rates now.

• 29:47Caleb Hammer?

  Yes, why was interest rates high? Because inflation was high.

• 29:53Caleb Hammer?

  No one likes high interest rates. What's worse is high inflation. High inflation's worse than high employment, unemployment.

• 30:01Speaker 03

  That is why I am where I am now.

• 30:04Caleb Hammer?

  What? After all that, all that rambling, you're like, that's it, that's it. You're sitting on money right now.

• 30:10Speaker 03

  I was sitting on money.

• 30:10Caleb Hammer?

  Oh, was, okay.

• 30:11Speaker 03

  Yes, and now I find out about this thing, I feel my mortality.

• 30:16Caleb Hammer?

  What thing, what thing?

• 30:17Speaker 03

  The, the aneurysm.

• 30:19Caleb Hammer?

  Okay.

• 30:20Speaker 03

  And this doctor's very negative about the whole thing, and basically telling me there's nothing that they can do.

• 30:25Caleb Hammer?

  Did you get a second opinion?

• 30:25Speaker 03

  I absolutely did.

• 30:26Caleb Hammer?

  Good.

• 30:27Speaker 03

  That guy said, I need more salt in my diet. We could monitor this a little more aggressively, and I will have to go for a surgery, but it is possible.

• 30:35Caleb Hammer?

  There you go.

• 30:35Speaker 03

  So great, but I'm hearing this.

• 30:39Speaker 03

  Over a year later.

• 30:40Caleb Hammer?

  Okay.

• 30:41Speaker 03

  I'm already doing.

• 30:42Caleb Hammer?

  A little quicker, bud.

• 30:43Speaker 03

  Absolutely, absolutely. But to get a.

• 30:46Caleb Hammer?

  Doesn't everyone know that?

• 30:47Speaker 03

  To get a heart doctor in Florida.

• 30:49Caleb Hammer?

  Yeah, isn't that where everyone's dying? Isn't that perfect?

• 30:52Speaker 03

  And they.

• 30:53Caleb Hammer?

  For heart doctors?

• 30:53Speaker 03

  Cram up the doctor's offices.

• 30:55Caleb Hammer?

  Oh, what did you think the supply and demand? Okay.

• 30:57Speaker 03

  Yeah, we don't have enough doctors down there, I guess.

• 30:59Caleb Hammer?

  I guess, or maybe your insurance doesn't allow. Okay.

• 31:02Speaker 03

  Yeah.

• 31:03Caleb Hammer?

  Maybe you don't have great insurance. I don't know.

• 31:04Speaker 03

  My insurance is good. Yeah, so anyway, I'm I feeling my mortality. 2024 did start and I went to a concert and I hadn't gone in 10 years. And I'm like, you know what? Screw it. I'm gonna go to a show.

• 31:18Caleb Hammer?

  Kid Rock.

• 31:19Speaker 03

  I'm good. Oh, God, no.

• 31:20Caleb Hammer?

  Okay, it was a joke.

• 31:22Speaker 03

  Although.

• 31:23Caleb Hammer?

  Oh.

• 31:23Speaker 03

  It was falling in reverse and I did. I want to go VIP, right? It was wonderful.

• 31:29Caleb Hammer?

  Yeah, the $20.

• 31:30Speaker 03

  And it felt great. I felt alive. I felt great. All of this bullshit, all of that crap.

• 31:38Caleb Hammer?

  Oh, my goodness, yes. Surround yourself with negativity all day. It's weird when you actually do something nice that it's.

• 31:44Speaker 03

  Yes.

• 31:44Caleb Hammer?

  Your brain is happy.

• 31:46Speaker 03

  Yes.

• 31:46Caleb Hammer?

  Okay.

• 31:47Speaker 03

  Yeah, so there was all this bullshit going on. The world, in my life, in everything medically, feeling my mortality. Yeah, I'm gonna enjoy myself.

• 31:57Caleb Hammer?

  Okay, so you spent a few hundred bucks on a concert ticket. That's why our finances are.

• 32:01Speaker 03

  Well, I flew to Raleigh, North Carolina for this show.

• 32:03Caleb Hammer?

  Oh, no.

• 32:04Speaker 03

  And I got the VIP meet and greet.

• 32:06Caleb Hammer?

  Oh, no.

• 32:08Speaker 03

  And because I had to show Ronnie Radke my shirt. Anyway, paid extra for that. And then I decide, you know what? I'm just gonna go to all the shows I can. The money always comes. That's the thing. The money has always come.

• 32:22Caleb Hammer?

  Not for your boomer ass. Good luck getting employed again if you get laid off.

• 32:26Speaker 03

  Well, that's the problem, right? And I'm. I've been at my job for 16 years and I'm realizing that too. These companies don't care about you. Grinding all this time.

• 32:37Caleb Hammer?

  In what way? Depends how you define care.

• 32:40Speaker 03

  They, you can get let go in a heartbeat.

• 32:43Caleb Hammer?

  Yes, that's not not care. I care about the people working here, but if there is a budget crisis or if someone sucks at their job, that's not not caring about them.

• 32:51Speaker 03

  They won't do anything. Like then, nobody's gonna come and say, let us help you or do you need anything?

• 32:57Caleb Hammer?

  What do you mean? Do your job? What do you think you're employed for?

• 33:00Speaker 03

  Well, I'm talking about the, the businesses that I've worked for are very like big corporations.

• 33:05Caleb Hammer?

  Sure. What? You want them to come suck your dick for doing your job? I don't, what do you, what do you mean?

• 33:09Speaker 03

  So I'm going to shows. I'm doing what I want.

• 33:14Speaker 03

  The money always comes. It always comes.

• 33:16Caleb Hammer?

  Except not really, because you just established, if you get laid off, you're probably no age discrimination in this country. You'd be

• 33:24Speaker 03

  Yeah, I would now, but I wouldn't have been.

• 33:27Caleb Hammer?

  A year ago? Yes, it would have been.

• 33:30Speaker 03

  Well, before

• 33:31Caleb Hammer?

  What's different?

• 33:31Speaker 03

  2024. Yeah, a year ago, it was YOLO 2025. That's why. It was, I'm gonna do anything I want. I am going to

• 33:40Caleb Hammer?

  But you still would have been you would have had to find another job in the job market. Wasn't as great then either.

• 33:45Speaker 03

  But it doesn't, I'm not planning on getting laid off. Like, I'm not gonna lose my job.

• 33:48Caleb Hammer?

  Planning on getting, oh, she's not planning on getting laid off.

• 33:52Speaker 03

  I had money.

• 33:53Caleb Hammer?

  Very good.

• 33:53Speaker 03

  I had money.

• 33:54Caleb Hammer?

  Project manager. Guess what's the easiest thing to replace with AI?

• 33:58Speaker 03

  Well, they haven't so far.

• 33:59Caleb Hammer?

  So far is the key word there. Bro.

• 34:05Speaker 03

  Yeah, so I

• 34:07Caleb Hammer?

  What is even in your retirement, boomer?

• 34:11Speaker 03

  You can let that go right now.

• 34:13Caleb Hammer?

  Nope.

• 34:14Speaker 03

  Yes.

• 34:16Speaker 03

  Or you will be boy.

• 34:17Caleb Hammer?

  I'm okay with being boy.

• 34:19Speaker 03

  Okay, boy.

• 34:20Caleb Hammer?

  I don't know. I'm so insulted. Okay. Yes. What's in your retirement?

• 34:23Speaker 03

  Uh, about 75,000.

• 34:25Caleb Hammer?

  Oh.

• 34:26Speaker 03

  Yeah.

• 34:27Caleb Hammer?

  Oh. Oh.

• 34:29Speaker 03

  But I had

• 34:30Caleb Hammer?

  Oh, shit.

• 34:31Speaker 03

  Always been responsible, always had put money in there.

• 34:33Caleb Hammer?

  75,000 dollars at 56.

• 34:35Speaker 03

  I got divorced. I had to take all the money out of that.

• 34:38Caleb Hammer?

  What? How much did you lose in the divorce?

• 34:41Speaker 03

  I have no idea. I don't pay attention to any of this. The money always comes.

• 34:45Caleb Hammer?

  Responsible of you.

• 34:46Speaker 03

  I'm not claiming to be financially responsible. I'm just saying the money always comes.

• 34:51Caleb Hammer?

  Didn't she just say this? I've always been financially responsible?

• 34:53Speaker 03

  Well, before. I'm talking about

• 34:55Caleb Hammer?

  Okay, before you would have known how much money you had. You would have known how much money you had.

• 35:02Speaker 03

  I never pay attention to that.

• 35:03Caleb Hammer?

  Then you can't say you were financially responsible.

• 35:05Speaker 03

  But the money was always there.

• 35:07Caleb Hammer?

  There for what? You're in debt. You can't say the money was there. You're putting it all on debt, you moron. What are you talking about, man?

• 35:13Speaker 03

  Yeah, well, the money was always there.

• 35:16Caleb Hammer?

  Do you think you're ever gonna retire because of 75,000? No. Social Security benefits are gonna be cut by a legally mandated minimum 25% by 2033. Unless we push retirement age, which would fuck you. Or lower benefits across the board, but that's already gonna happen. Do you know why? Are you tracking that?

• 35:34Speaker 03

  Because the boomers aren't dying off quick enough.

• 35:37Caleb Hammer?

  No.

• 35:38Speaker 03

  That's a big group of people that...

• 35:40Caleb Hammer?

  So you don't know why?

• 35:41Speaker 03

  No, and I'm gonna, I'm gonna go early anyway, so I'm not really worried about it.

• 35:44Caleb Hammer?

  Okay, well, the reason why is because every single dollar that's going out has to be coming in, there will be nothing left on the side. So the moment that happens, mandatory minimum 25% cut across the board of retirement benefits. The only way to prevent that is, of course, paying payroll tax or, you know, social security taxes or...

• 36:04Speaker 03

  Or get rid of fraud, get rid of sending money all over the world.

• 36:08Caleb Hammer?

  That's not gonna happen, unfortunately, but even still, I mean, social security is paid out through the social security fund regardless, so that's, that's not gonna, giving the country another money wouldn't change that unless they allocate more money towards that through a different tax, I don't know, it's up to you, I guess, I don't know. Well, you have no idea what you're talking about. You don't even know why your benefits would get cut. How are you going to retire with that 25% cut that is maybe gonna happen or the age gets pushed?

• 36:32Speaker 03

  Well, that's...

• 36:32Caleb Hammer?

  And you have 75,000 dollars.

• 36:33Speaker 03

  That's what I wanna figure out, cuz I am going to live now. It's a different ballgame.

• 36:38Caleb Hammer?

  Okay, that's contradicting when you just said you're not gonna be here for very long.

• 36:42Speaker 03

  Well, I'm gonna...

• 36:43Caleb Hammer?

  A couple minutes ago.

• 36:43Speaker 03

  Live long enough. I wanna retire like yesterday.

• 36:47Caleb Hammer?

  Uh huh.

• 36:47Speaker 03

  I wanna be done.

• 36:48Caleb Hammer?

  Well, good luck. You kind of fucked around your entire life and didn't pay attention to anything and was not financially responsible. Now you have 75,000 dollars. And you know what's gonna happen, ladies and gentlemen? I roll my fucking eyes every time I see it now. You know what's gonna happen? She's gonna be 70 and there's gonna be a clip online on Twitter or TikTok or a news piece about a seven-year-old working a cashier position at Walmart. We're all gonna be so sad saying, "Oh, no one her age should have to work to pay the bills." She lived her entire life... Around did whatever the she wanted, didn't sacrifice one thing. And then she's gonna look old, sad and pathetic.

• 37:26Speaker 03

  For one year.

• 37:27Caleb Hammer?

  No, dude, your entire life, you probably lived beyond your means. You didn't, you can't tell me how much you had. I know with the money that you have been making throughout your life, if you sent 20% aside on a yearly basis, you would be retiring a multimillionaire with what the stock market has done in your life. Fuck you. So there's gonna be a pathetic sad story, then we're gonna get bad policies, raising taxes and bullshit like that to give more shit to her, the generation that had everything and sacrificed nothing. And then they look sad on camera. Fuck off. You should have sacrificed some shit.

• 37:59Speaker 03

  That was the boomers who were given all that.

• 38:01Caleb Hammer?

  Girl, you're like two years different. Shut the fuck up.

• 38:04Speaker 03

  The point is.

• 38:05Caleb Hammer?

  Same thing's gonna happen every generation with the sad video of an old person that shouldn't have to work to survive. You just decided not to do anything and you could be a multi, multimillionaire. The income you have had throughout your life.

• 38:17Speaker 03

  Yeah, if I stayed in a, in a bad marriage and continued along with that.

• 38:21Caleb Hammer?

  No, no, no.

• 38:23Speaker 03

  I was a divorced parent of two kids.

• 38:25Caleb Hammer?

  I don't give a, even if you're contributing 10%, you would have been a multimillionaire.

• 38:29Speaker 03

  That's fine, but it couldn't happen then.

• 38:30Caleb Hammer?

  Yes, it could have.

• 38:31Speaker 03

  No, it couldn't. I was.

• 38:32Caleb Hammer?

  You didn't spend one penny going out to eat at all.

• 38:34Speaker 03

  I barely went out to eat. I was also getting.

• 38:36Caleb Hammer?

  Lies, lies, lies.

• 38:38Speaker 03

  I didn't even graduate from college till I was 30.

• 38:40Caleb Hammer?

  I don't give a shit. That doesn't matter.

• 38:41Speaker 03

  That's how.

• 38:41Caleb Hammer?

  32 years, 56 with what the stock market has done, 10% of your income throughout those years.

• 38:46Speaker 03

  It would have been lovely if I had 10% even give.

• 38:49Caleb Hammer?

  You absolutely did.

• 38:50Speaker 03

  I was laid off for 18 months during that time as well.

• 38:53Caleb Hammer?

  18 months out of multiple decades.

• 38:56Speaker 03

  And that money had to come from somewhere.

• 38:59Caleb Hammer?

  I know for a fact, you just take it in a match.

• 39:04Caleb Hammer?

  Match, free money.

• 39:06Speaker 03

  Yeah, I, I have that right now.

• 39:08Caleb Hammer?

  Now, oh my gosh, she doesn't understand. I know for a fact, I look through statements for three, three days a week, three days a week, multiple years. Everyone thinks they don't spend money. You spent money. I don't want to.

• 39:18Speaker 03

  I have spent money recently, but I'm saying all along.

• 39:23Caleb Hammer?

  There is not a single piece of me that believes that. And then who even knows how long you're gonna last at this company? No offense, you're one of the first ones to go. You're slower.

• 39:34Speaker 03

  But I'm not actually.

• 39:35Caleb Hammer?

  Yes, you are.

• 39:36Speaker 03

  No, I'm not.

• 39:37Caleb Hammer?

  Your productivity is probably considered less.

• 39:39Speaker 03

  No, it's not.

• 39:41Caleb Hammer?

  Probably, and again, just job, like AI project management, good luck.

• 39:47Speaker 03

  Our younger people can't even get out of their own way.

• 39:52Caleb Hammer?

  Says the boomer. Like, I don't know. It's just like, it's just like generational division, blah, blah, blah, fight, fight, fight. I don't know, but probably on an actual-

• 39:59Speaker 03

  No original ideas, like, can't even go there.

• 40:02Caleb Hammer?

  Yeah, project managers, that's who we look for ideas from.

• 40:06Speaker 03

  We do have to figure things out. And it's hard to figure things out when all you do is watch videos all day and

• 40:15Speaker 03

  be whatever you're doing.

• 40:16Caleb Hammer?

  You have a little resentment there?

• 40:18Speaker 03

  Yeah.

• 40:18Caleb Hammer?

  Why? Why are you resentful?

• 40:20Speaker 03

  Because it's bullshit.

• 40:21Caleb Hammer?

  What? What's going on?

• 40:23Speaker 03

  Because I didn't have anybody that was supporting me through things. Yeah. So I'm just saying. Yeah. So it's hard to problem solve when you never had any, anything happen to you. Life is super easy and that's when you have to make up shit to get upset about.

• 40:43Caleb Hammer?

  Shut the fuck up. Housing costs are more high for younger generations than your generation by far, not even close.

• 40:50Speaker 03

  Absolutely.

• 40:50Caleb Hammer?

  Costs of education beyond higher. Healthcare costs beyond higher. Now, for what it's worth, I will give you one thing. The cost of having things for fun. The cost of groceries as a percentage of your budget is lower now than practically any time in human history. So younger generations, we got that going, okay? Got that going. But you had lower housing costs, lower educational costs, which leads to higher income because education, easier to get into, easier to get a higher income, cheaper costs to go.

• 41:17Speaker 03

  But-

• 41:17Caleb Hammer?

  And health, so necessities to survive too, and then one to increase your income. Those things are more unaffordable now than ever. So fuck you, victim bullshit. Just shut up. Shut up. I'm a victim. I didn't have anyone to help. You were married for a bit. You had help for a bit, and you didn't. And then you're a single mom on own. None of those exist in this country.

• 41:37Speaker 03

  Yeah, I married, I did everything the right way. I married my high school sweetheart, kept the football team, the whole bullshit. Well, in the eighties, that's what was kinda-

• 41:46Caleb Hammer?

  Boomer.

• 41:47Speaker 03

  The thing.

• 41:50Speaker 03

  Whatever. So anyway, yeah, I had to support two children during this whole time myself.

• 41:58Caleb Hammer?

  Yep. No one ever did that throughout human history.

• 42:01Speaker 00

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• 42:27Speaker 03

  Not in having matching 401k and everything else, I had to use all my money. Plus, I had to go to college on my own. I couldn't get student loans and stuff. And actually, well, I do have some student loan because I was getting my master's degree. I'm back then in the 80s, all they would give you for your student loan is exactly what your tuition was. No money for books. Exactly. That's how it should be. Getting my master's degree? You know how much they want to give me in a student loan? $20,000 for a $3,000 class. So all these people that are saying, my student loan's so high.

• 43:00Caleb Hammer?

  It's up to you to take as much. You're right.

• 43:01Speaker 03

  Exactly.

• 43:02Caleb Hammer?

  No, I'm not an advocate for student loans. Student loans have made what school is so expensive. Don't get me wrong.

• 43:08Speaker 03

  That's what elevated the price.

• 43:09Caleb Hammer?

  But you're complaining that it paid for school. Like, shut up. What was your point? You claiming this victimhood is so stupid. Okay, so this is what I'm being told. You stopped getting your master's degree because there was an immigrant in your class?

• 43:22Speaker 03

  No.

• 43:23Caleb Hammer?

  What?

• 43:25Speaker 03

  God. That's part of a larger story.

• 43:28Caleb Hammer?

  Of an immigrant?

• 43:31Speaker 03

  So I'm getting my master's degree. Now, everybody in this class is supposed to have a bachelor's degree, right? All of them.

• 43:36Caleb Hammer?

  Okay, you didn't check someone's ID when they were coming into class?

• 43:39Speaker 03

  No, because who cares, right? We're all in the same program. We're all gonna get the same degree. Got his bachelor's degree, right? And there's these Brazilian girls. I'm one of two Americans in the whole class. Doesn't matter.

• 43:51Caleb Hammer?

  Okay, so you're getting jealous of the beautiful boobs and tits from the Brazilians?

• 43:55Speaker 03

  No, I'm sitting in the back because I'm the oldest student there, clearly, probably older than the professor. It's in the industry that I've worked in, by the way, and he's giving us stuff from 15 years ago.

• 44:04Caleb Hammer?

  Okay, I'm proud of you. You're the oldest in the room always. Okay.

• 44:06Speaker 03

  Anyway, in college, yes. So anyway.

• 44:11Speaker 03

  Kid sitting next to me, supposedly has his bachelor's degree. The girls are sitting in the front. He's got sweatpants on.

• 44:17Caleb Hammer?

  Oh no.

• 44:17Speaker 03

  Masturbating in class, in the back of the room. So this is a man with his bachelor's degree, actually. Does he really?

• 44:24Caleb Hammer?

  He was masturbating.

• 44:25Speaker 03

  He had his hand in his sweatpants, just gliding along.

• 44:30Caleb Hammer?

  Gliding along, okay, that's not confirmation of masturbation.

• 44:33Speaker 03

  Oh, come on.

• 44:34Caleb Hammer?

  It's very weird, but when you said that, I was like, it's kind of the things that you see. Like, I was expecting dick out was jacking. Like, that's, I know for a fact.

• 44:42Speaker 03

  He would have got caught, but doing what he was doing.

• 44:44Caleb Hammer?

  How do you know he was masturbating?

• 44:45Speaker 03

  Because you could see it, you could hear him.

• 44:48Caleb Hammer?

  Oh, okay, okay, okay, sounds like he was masturbating.

• 44:49Speaker 03

  Yeah, he was a little bit moaning.

• 44:51Caleb Hammer?

  That's not good.

• 44:51Speaker 03

  And we're in the back.

• 44:52Caleb Hammer?

  That's a bit weird.

• 44:53Speaker 03

  Very.

• 44:53Caleb Hammer?

  What class was it?

• 44:54Speaker 03

  And the only reason why, well, this was an energy class.

• 44:56Caleb Hammer?

  I don't know if I could bust to energy.

• 44:58Speaker 03

  Yeah, we were learning about biofuels, which

• 45:01Caleb Hammer?

  Okay, now you're getting me going.

• 45:02Speaker 03

  That's bullshit. So, anyway. He's definitely masturbating in class. And if I dare, and he's from Guyana, which he wanted to tell everybody. Good for him, we all had to introduce ourselves. But the thing is

• 45:15Caleb Hammer?

  So he told everyone during the introduce ourselves section.

• 45:17Speaker 03

  Yeah.

• 45:17Caleb Hammer?

  What a criminal.

• 45:18Speaker 03

  No, the reason that he's a criminal is because, I guess they give out diplomas, like Tic Tacs out there. Are you telling me that a kid in Guyana could get a degree in anything? Supposedly a biology degree and be masturbating in class? Like, you had no self control.

• 45:35Caleb Hammer?

  I don't see the correlation on those two things, I'll be honest.

• 45:37Speaker 03

  Well, you'd think that somebody, at least that could sit through a degree program of any type, or even any type of skill, even to work anywhere, he should be able to control himself from masturbating.

• 45:49Caleb Hammer?

  He sounds like a pervert, but there's, I mean, there's smart perverts, I mean, he's

• 45:53Speaker 03

  That's disgusting.

• 45:55Caleb Hammer?

  Well, yeah, but, I mean, you know how many elected officials are resigning these past couple of weeks by being perverts? But they're also very smart people, getting where they got. Like there's perverts that are smart.

• 46:05Speaker 03

  Yeah.

• 46:05Caleb Hammer?

  It's not necessarily correlated.

• 46:07Speaker 03

  But my, so with that, like,

• 46:10Caleb Hammer?

  Yeah, that's not good.

• 46:11Speaker 03

  in school, he's gonna get the same degree as me.

• 46:13Caleb Hammer?

  Did you report him? Also, who?

• 46:14Speaker 03

  Oh, if I reported him?

• 46:16Caleb Hammer?

  I'm sorry, I'm sorry.

• 46:17Speaker 03

  As a white woman? Are you shitting me? If I said, hey, the guy in Guyana.

• 46:21Caleb Hammer?

  Girl, this was before DEI.

• 46:24Speaker 03

  No, this was like two years ago. Yeah.

• 46:28Caleb Hammer?

  No, even still, masturbation, cancel culture, woman? Absolutely. Come on. White women perpetual biggest victims in this country. What are you talking about?

• 46:35Speaker 03

  Oh, my gosh.

• 46:35Caleb Hammer?

  You were set up for success.

• 46:37Speaker 03

  I had, I warned the Brazilian girls. I said, watch out for that guy. Don't let him follow you out of class.

• 46:41Caleb Hammer?

  Maybe talk to like a professor or, uh, security or something. Report him to the police. I don't know. You suck with money, so you download a budgeting app. You start with the classic one, YNAB. But everyone just deletes it because it's way too complicated to use. So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollar Wise.

• 47:24Caleb Hammer?

  Built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial. Dollarwise.com, link in the description below. That's kind of fucking stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money, we like free money. You can get up to $200 in bonus cash right now. When you sign up for the checking account that I use, chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Odd and get free money at the same time. Who would have thought? That's incredible. Check it out, link in the description below. Anything but like, hey, PPLs, dude's jacking it. Like, I think there's alternatives beyond that.

• 48:10Caleb Hammer?

  Um, okay, now your reason for dropping out is because, wow.

• 48:15Speaker 03

  That's part of it.

• 48:16Caleb Hammer?

  Then my degree would be worthless because the guy that masturbated would have it too. No, how about you actually just do to improve your life? Never sit by him or actually take some action and report him. He's objectively the bad guy in this situation. But you chose not to report. Like, at that point, it's hard for me to be like, oh, no. Ah, you didn't report, like, what am I supposed to do?

• 48:37Speaker 03

  No, how could I?

• 48:38Caleb Hammer?

  Okay.

• 48:38Speaker 03

  Because he's from Guyana, he's gonna...

• 48:40Caleb Hammer?

  What does that do? What does that mean?

• 48:43Speaker 03

  Because here I am, like, picking on somebody who's from another country. That's a protected class right now.

• 48:48Caleb Hammer?

  You're a white woman. There has been no other people put towards advantages in this country's history in the last five years than white women. You guys have been everything. What do you mean?

• 49:01Speaker 03

  Well, and just like you said...

• 49:02Caleb Hammer?

  Girl, you could have canceled him in about half a second.

• 49:05Speaker 03

  Just like you said about the vote.

• 49:06Caleb Hammer?

  Dude, one twit longer from you and that dude would have been beheaded.

• 49:09Speaker 03

  Oh, please.

• 49:10Caleb Hammer?

  What? Have you not seen what the country wants a couple years ago?

• 49:13Speaker 03

  They probably would have given him a private class.

• 49:14Caleb Hammer?

  What are you talking about? You, a white woman, you could have ruined everything, and fairly for him, by the way.

• 49:20Speaker 03

  It would have been.

• 49:21Caleb Hammer?

  Yes, and you could have.

• 49:22Speaker 03

  But I couldn't have. No, no, presently not. And like you said, because like you said about the vote, I only saw it. So it can't be a fact, right?

• 49:31Caleb Hammer?

  No, no, no, but a white woman, dude, you can brush up against someone's leg, claim that dude's career will be ruined as a white woman. Absolutely, you could have. That guy saying he was jerking off in class, absolutely. And I guarantee you, they have cameras in there anyway. But even if they don't, regardless, you could have canceled him in a heartbeat two years ago. It's a little better now, but there's still some crazy people. You could have, white woman, absolutely. You kidding me?

• 49:54Speaker 03

  I wasn't going back to that class. No.

• 49:58Caleb Hammer?

  Okay.

• 49:58Speaker 03

  Plus, it was all outdated stuff we're talking about.

• 50:01Caleb Hammer?

  Oh, no, you're just there to get a degree. I don't give a shit if things are outdated. I do give a shit about the masturbator, but you chose to not do anything about it, other than hurt your life. That doesn't matter. That literally doesn't matter. You're getting the degree for your income. I don't give a if you're learning. I mean, I wish schools would teach.

• 50:16Speaker 03

  All I'm getting out of it is student loans.

• 50:17Caleb Hammer?

  No, you're getting a degree for your income. Isn't that what you were there for?

• 50:21Speaker 03

  Yes, that's what I thought I was gonna do.

• 50:22Caleb Hammer?

  What the fuck are you doing? What the fuck are you talking about then?

• 50:24Speaker 03

  Plus, it's interesting. I love the energy industry. I think it's fascinating. But I wasn't learning anything. So that would have been great for me. And I started it in 2020. That's when I started that degree, because I was so bored in my house. Started the journey online, but ended it two years ago.

• 50:42Caleb Hammer?

  Well, keep taking it online. Everyone's jacking off. Trust me, in online classes anyway, you just don't see it.

• 50:49Speaker 03

  Foul.

• 50:50Caleb Hammer?

  Oh, just masturbate your clit along with them. You'll be fine.

• 50:53Speaker 03

  That would get rid of some tension.

• 50:55Caleb Hammer?

  And some dust. What do you think your financial score is? Zero to 10, zero being the worst, 10 being the best?

• 51:01Speaker 03

  Hmm, zero, right now.

• 51:03Caleb Hammer?

  Yeah. If you want your Hammer financial score, get it for free at CalebHammer.com. It is free. You can see where you stand in the world of money. It just takes a few minutes. It is pretty awesome. That link is in the description below. And also, if you don't want to be like this boomer that [__] up her entire finances, make sure you download the Dollar Wise Budgeting app so that you change your life like tens of thousands of active monthly users are right now. There's a free trial and you can save a shit ton of money by signing up for the annual version and then you get my detailed 30 day meal plan. So there's no excuse for not being able to meal prep at a lower budget. You get mine with the digital version of our cookbook that teaches you every single recipe as well. You get that signed by me mailed directly to you. There you go.

• 51:40Speaker 03

  Thank you.

• 51:41Caleb Hammer?

  It's for you. You're welcome. How much do you even [__] make in this job? I didn't even ask project manager.

• 51:48Speaker 03

  Well, this is what's so sad too. All these years, I just

• 51:51Caleb Hammer?

  Let's hear a story about Jan 6 again.

• 51:52Speaker 03

  Just cracked $100,000.

• 51:54Caleb Hammer?

  Oh, what a victim. What, in Minecraft? What the [__]? What am I supposed to do with that?

• 52:01Speaker 03

  After 40 years of

• 52:05Caleb Hammer?

  Let's [__] off!

• 52:11Caleb Hammer?

  The median income of this country is like 65. Shut the [__] up. You're doing well better.

• 52:15Speaker 03

  I have no idea.

• 52:16Caleb Hammer?

  Oh my gosh. You have no perspective on anything.

• 52:19Speaker 03

  No.

• 52:19Caleb Hammer?

  Shut the [__] up! What is your account on a monthly basis?

• 52:29Speaker 03

  I haven't been paying attention. The money always comes. I've never had to worry about it.

• 52:39Speaker 03

  My credit cards were always paid off at the end of the month. I was very good with everything.

• 52:43Caleb Hammer?

  Was, were, and tell.

• 52:45Speaker 03

  Exactly. I took a year off to have a good time.

• 52:48Caleb Hammer?

  You get to do that. You can have a good with a hundred thousand hours a year. What were you making before?

• 52:52Speaker 03

  Well, around that, because this is regular raise for 16 years.

• 52:56Caleb Hammer?

  If you live 50, 30, 20, 30% of a hundred thousand hours is a pretty good damn year. Multiple European vacations if you wanted to. Shut the f*** up. You entitled brat.

• 53:06Speaker 03

  I earned it. I've been grinding forever.

• 53:09Caleb Hammer?

  Oh, I had a job.

• 53:11Speaker 03

  Without a break, other than when I was laid off and then I had to.

• 53:14Caleb Hammer?

  Bro, you were literally complaining about what every other human being in existence has to do. And you're getting paid very well for it, so I don't care. You have a house. I don't have a simple. You afforded, you afforded a house in Massachusetts. That's how okay you were doing. Shut up. As a single mother, you afforded a house in Massachusetts. Cry victim? Shut up!

• 53:38Speaker 03

  That was a good investment. That was a smart thing that I did.

• 53:42Caleb Hammer?

  You're not a victim, you pathetic worm. 56 years old, making a hun- you don't know what hits your account. Let's find out.

• 53:51Caleb Hammer?

  Oh, yes. What would you like to say?

• 53:53Speaker 03

  Oh, I sprained my thumb and it's sore.

• 53:55Caleb Hammer?

  Okay, income. I had payroll of $7,170. Very good. Strong income for a long time. Not a hundred thousand hours, since she only has 75,000 hours at 56, three years before she can take out from her 401K and IRA tax advantage accounts. Seven thousand, one hundred, I lost it, seventy dollars, eighty-five cents. Good income. You're fine. How old are your kids?

• 54:22Speaker 03

  Thirty and thirty-two.

• 54:25Caleb Hammer?

  You're doing the classic selfish parent thing. F***ed up your entire life last year. Now they're gonna have to bail you out when you're too old and you get laid off and you get f***ed up.

• 54:32Speaker 03

  I'll do whatever. I'm not, I'm not some like pampered princess. I don't have to have everything just so.

• 54:39Caleb Hammer?

  What the? You said you deserved a year off.

• 54:41Speaker 03

  I did, yes.

• 54:42Caleb Hammer?

  Not pampered, but die. In my car. Shut up.

• 54:48Caleb Hammer?

  So why is this mortgage first? Why do I see a mortgage? Two thousand seven hundred, two thousand seven hundred, two hundred seventy-five thousand dollars and thirty-five dollars and eighty-five cents. My goodness, I'm like, what is happening?

• 55:01Speaker 03

  Yeah, so I was doing business with friends.

• 55:04Caleb Hammer?

  You were not even behind. I thought that you would be behind. It's the first one. Two thousand three hundred twenty-three dollars, ninety-seven cents. Yep, okay, yep. That mortgage makes sense for your income situation. I'm vibing.

• 55:17Speaker 03

  Yeah.

• 55:17Caleb Hammer?

  What's up?

• 55:18Speaker 03

  So I got an FHA loan for the fir- for the-

• 55:24Speaker 01

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• 55:52Speaker 03

  Mortgage.

• 55:53Caleb Hammer?

  Oh, that's [bleep] but-

• 55:54Speaker 03

  My friend, yeah, so I hardly had to put anything down. That's how I had all the extra money.

• 55:59Caleb Hammer?

  Which is stupid.

• 55:59Speaker 03

  To do the-

• 56:00Caleb Hammer?

  Okay.

• 56:00Speaker 03

  Yeah, well, here my friends are telling me this is what they need to do. Maybe she had a quota of, for FHA mortgages, because this is the same person-

• 56:07Caleb Hammer?

  Oh, your friend was the one telling you the loan?

• 56:09Speaker 03

  Yes. And last year, I refinanced. I was in a 3% loan.

• 56:15Caleb Hammer?

  Oh, why'd you do that?

• 56:17Speaker 03

  Because I needed some more money to go to concerts.

• 56:20Caleb Hammer?

  What?

• 56:21Speaker 03

  And what she told me was-

• 56:23Caleb Hammer?

  Who are you even seeing? Are you going to festivals at least?

• 56:26Speaker 03

  Yes, I went to a couple of music festivals.

• 56:29Caleb Hammer?

  What?

• 56:29Speaker 03

  Incarceration in Ohio, Louder Than Life in Kentucky.

• 56:34Caleb Hammer?

  Why aren't you going to any of the ones? Coachella's happening right now.

• 56:37Speaker 03

  I'll be going to-

• 56:38Caleb Hammer?

  So the top four music festivals that aren't like genre-specific, like just general music festivals, if I'm not mistaken, it is Coachella, Lollapalooza- What's the big one in like Wisconsin? It's huge or Minnesota or something? And then ACL at Austin. Those are the four largest musical non-genre ones. And then there's electronic festivals and blah, blah, blah. You didn't go to any of those?

• 56:58Speaker 03

  No, because I went to, I'm not into that music.

• 57:01Caleb Hammer?

  What? It's every music. That's the thing about those, those music festivals. It's just every music. Yes, there's metal there too. I went to a metal concert at ACL last year.

• 57:10Speaker 03

  But for, to, to get more value out of your concert.

• 57:15Caleb Hammer?

  So you cashed out, refinance your house?

• 57:19Speaker 03

  Right. So what she told me, what she told me was not going to impact anything. I, I'm taking some of my equity.

• 57:26Caleb Hammer?

  Yeah.

• 57:27Speaker 03

  So then.

• 57:28Caleb Hammer?

  I know how that works.

• 57:30Speaker 03

  Well, I don't know how that works, right?

• 57:32Caleb Hammer?

  You were taking out equity.

• 57:33Speaker 03

  Yeah. So I'm taking out a little bit of equity and I'm not knowing I could, I have a ton of equity in my house because I always paid ahead on my mortgage when I had money.

• 57:41Caleb Hammer?

  Okay.

• 57:42Speaker 03

  Just always, right?

• 57:43Caleb Hammer?

  That would accumulate in just a couple of years, but okay.

• 57:45Speaker 03

  Well, the house is going for 400 right now. So I'm like, this is fine. So.

• 57:50Caleb Hammer?

  You make good money. I don't understand how you couldn't cash flow concerts, but okay. Sure, sure, sure, sure.

• 57:55Speaker 03

  So it was at 3%. Now it's at 6. Now my payment has gone up.

• 58:00Caleb Hammer?

  Yeah.

• 58:00Speaker 03

  And so then I was like, whoa, what happened? And then I just heard, because I said, hey.

• 58:05Caleb Hammer?

  So a higher rate.

• 58:06Speaker 03

  The interest rate's gone down. Can we refinance? And she says, oh no, there's a cost associated with that.

• 58:11Caleb Hammer?

  Yeah, it usually costs money to refinance.

• 58:13Speaker 03

  I had no idea because she's doing it. She's telling me I'm just taking out some of my equity.

• 58:19Caleb Hammer?

  You're not 26, you're 56.

• 58:21Speaker 03

  I don't care about mortgages. I don't care about.

• 58:24Caleb Hammer?

  You've been in mortgages since forever.

• 58:26Speaker 03

  Yeah. And I go to people who are supposed to look out for you.

• 58:29Caleb Hammer?

  This is why I get scammed.

• 58:31Speaker 03

  Yep. And it did not happen. I've been scammed many times.

• 58:34Caleb Hammer?

  Oh, yeah, you have.

• 58:36Speaker 03

  Mm-hmm.

• 58:37Caleb Hammer?

  Oh, yeah, yeah.

• 58:37Speaker 03

  Yeah. Yeah. So it's, it's all the time.

• 58:42Caleb Hammer?

  Or, you know.

• 58:43Speaker 03

  It's Pam all the time.

• 58:45Caleb Hammer?

  I didn't know what you were saying. Okay. You said you really, I thought maybe you said like the N words. I don't know. You just got, you were so shocked when you said it.

• 58:52Speaker 03

  Yeah.

• 58:52Caleb Hammer?

  How frequently do you say the hard R?

• 58:56Speaker 03

  Never, I have no reason, because I have no reason to use that word.

• 58:59Caleb Hammer?

  You're racist.

• 59:00Speaker 03

  I am not.

• 59:01Caleb Hammer?

  I just assume.

• 59:02Speaker 03

  I don't care.

• 59:02Caleb Hammer?

  About what?

• 59:03Speaker 03

  I don't care about anything.

• 59:04Caleb Hammer?

  You don't care about black people?

• 59:05Speaker 03

  Oh, my God.

• 59:06Caleb Hammer?

  We call Tyler in.

• 59:09Speaker 03

  My high school is half-black.

• 59:11Caleb Hammer?

  Whoa.

• 59:11Speaker 03

  That's how we grew up. It's enough.

• 59:13Caleb Hammer?

  And what's your opinion on BLM?

• 59:15Speaker 03

  Well, I was actually all for that in the beginning. I was about it. I want to donate my money because I'm very.

• 59:23Caleb Hammer?

  What's your opinion?

• 59:24Speaker 03

  Well, I found out that was bullshit.

• 59:26Caleb Hammer?

  Come on in. Oh, nice haircut. I didn't even see. Tyler, she said she doesn't care about black people.

• 59:33Speaker 03

  Oh, my gosh, that is not what I said.

• 59:35Caleb Hammer?

  She did say that.

• 59:36Speaker 03

  I said, I don't care about any of that bullshit.

• 59:39Speaker 05

  What is any of that bullshit?

• 59:40Speaker 03

  Like, any, any type of racial thing, who cares?

• 59:44Speaker 05

  Oh, so you care about all of us? You with us?

• 59:45Speaker 03

  Yes.

• 59:46Speaker 05

  Put the fist up.

• 59:46Caleb Hammer?

  Yeah, what's your opinion on BLM?

• 59:48Speaker 05

  That's what I'm talking about.

• 59:49Caleb Hammer?

  Uh, BLM.

• 59:50Speaker 03

  Well, BLM, I was going to donate to, right? Because I'm thinking. And then I educated myself.

• 59:55Speaker 05

  Oh. Oh, what'd you get yourself on?

• 59:58Caleb Hammer?

  What'd you find?

• 59:59Speaker 03

  Well, I dug into how they get their donations, and it's through ActBlue. 3% of all their donations go through ActBlue, which is a Democrat. And I was like, I'm not donating to a political party. I want this money to go to this cause.

• 1:00:14Caleb Hammer?

  How do you think George Floyd died?

• 1:00:24Speaker 03

  That's a, that's the wrong hero to have. That is a wrong hero to have. If that's what you're hanging your hat on, that is a mistake.

• 1:00:36Speaker 03

  Three funerals during COVID. What the F was that about?

• 1:00:41Speaker 05

  Don't listen to her, guys. RIP my brother, man. Amen.

• 1:00:48Caleb Hammer?

  Thank you, Tyler.

• 1:00:52Speaker 03

  I think I'm in love with him.

• 1:00:54Caleb Hammer?

  Tyler?

• 1:00:54Speaker 03

  Yeah.

• 1:00:55Caleb Hammer?

  Tyler, she's in love with you. She's in love with you.

• 1:00:58Speaker 05

  Oh, thank you. I appreciate that.

• 1:01:01Caleb Hammer?

  Okay, okay, okay, very good. All right. Okay, so, okay, your mortgage payment's higher now.

• 1:01:08Speaker 03

  Yeah.

• 1:01:09Caleb Hammer?

  Well, trauma, again, I guess.

• 1:01:11Speaker 03

  It's just bullshit. Like, why?

• 1:01:13Caleb Hammer?

  Really, you refinanced. You took money out, you got a higher rate. It's not.

• 1:01:16Speaker 03

  Yeah, well, it was supposed to just be equity out and no worries.

• 1:01:19Caleb Hammer?

  How much did you spend on concerts in your? Special 2025 year.

• 1:01:22Speaker 03

  About $20,000? And it's still in.

• 1:01:26Caleb Hammer?

  How?

• 1:01:27Speaker 03

  Go into VIP.

• 1:01:31Speaker 03

  Sometimes flying.

• 1:01:33Caleb Hammer?

  Oh, 20,000 on conscience in a year? When you have 75 in retirement at 60 almost, oh, you moron. If there's a sad video of her working a Walmart at 75, I want no tears. Never support those videos. They had every opportunity unless they were in literal poverty in their entire life. They had every opportunity. I have no sympathy. I see people spending every single day spent 20,000 hours last year. Then she's gonna be like, oh, I'm a boomer retiring. Oh, I can't afford to survive. No person should be at this age working. Yes, you should if you chose not to sacrifice. It's not on us to take care of you, you piece of shit.

• 1:02:13Speaker 03

  No regrets. It was a lot of fun and I needed it.

• 1:02:17Caleb Hammer?

  And we shouldn't take care of you.

• 1:02:19Speaker 03

  Nobody's gonna take care of me.

• 1:02:23Caleb Hammer?

  When you're a boomer, when you're a retired ass. And we have to take care of you with higher Medicare or Medicaid and all that. And higher social security, if we have to increase social security taxes because of your ass.

• 1:02:37Speaker 03

  That's what they're doing now. Because there's way more of the boomer generation than there is of Gen X. Gen X is the smallest generation. So if anything, younger people are gonna have a. They shouldn't be paying as much into social security at some point.

• 1:02:55Speaker 03

  Boomers were a big generation. That's why they would call boomers.

• 1:02:59Caleb Hammer?

  I know.

• 1:03:00Speaker 03

  Yeah. So we've all been supporting them and they've been retired since they were in their 50s. Believe me, I live amongst them.

• 1:03:10Caleb Hammer?

  Okay, if I'm not mistaken, the last rate change for social security taxes is in 1990. So you can't say they're doing that now. Social security taxes.

• 1:03:20Speaker 03

  No, they're they're collecting social security though. They're getting they're getting their doctor's visits paid for. That's what I'm saying. They're a huge generation.

• 1:03:27Caleb Hammer?

  That they did that, but it's a set to fail.

• 1:03:30Speaker 03

  Absolutely.

• 1:03:32Caleb Hammer?

  With the declining population and everything, it doesn't make any sense. 1990.

• 1:03:35Speaker 03

  Yeah, well, the the population should be declining at some point.

• 1:03:40Caleb Hammer?

  Well, that makes no sense because then it's two, we're in a couple of decades, we're gonna be at two workers per one retiree. How can we afford that? That's fucking you.

• 1:03:52Caleb Hammer?

  What do you mean it should be declining? Which one do you want?

• 1:03:54Speaker 03

  The boomers are declining, finally.

• 1:03:57Caleb Hammer?

  Yeah, but you still needed a growing pop- oh my goodness, you're a moron. Okay. When you have a higher mortgage rate, I don't give a shit.

• 1:04:03Speaker 03

  This generation, Gen X, is much smaller. There's gonna be a lower pool of people that are even gonna collect anything.

• 1:04:09Caleb Hammer?

  It doesn't even matter still. In a couple decades, it's still gonna be two workers for one retiree. Regardless.

• 1:04:17Caleb Hammer?

  Doesn't matter. Okay, why do you have a debt consolidation?

• 1:04:20Speaker 03

  Because the money always comes and that's where it came from.

• 1:04:22Caleb Hammer?

  Oh my, that's not money. That's consolidating.

• 1:04:28Caleb Hammer?

  What do you mean the money always comes? Because you applied for a loan?

• 1:04:31Speaker 03

  The money was there.

• 1:04:33Caleb Hammer?

  It's not money, it's debt.

• 1:04:36Caleb Hammer?

  What do you mean? Is this actually- when you say the money always comes, this is what you mean?

• 1:04:41Speaker 03

  Yeah. Yeah. It always has all along. So right now-

• 1:04:45Caleb Hammer?

  So what you mean when you say the money always comes is you can apply for more debt?

• 1:04:48Speaker 03

  Yeah, there's always money there.

• 1:04:50Caleb Hammer?

  No.

• 1:04:51Speaker 03

  Somewhere.

• 1:04:51Caleb Hammer?

  Until they say, "No, no, no." Because your credit or something is shit. You just can't afford your debt to income ratio shit. $368.11. That alone wouldn't make or break you, but we have a lot of paperwork to go through. Higher mortgage payment now. Oh, Lindsay said she thought this was free money. I'm not kidding you. You actually thought this was free money?

• 1:05:16Speaker 03

  I- the money's always there. It always comes, right?

• 1:05:19Caleb Hammer?

  What does that mean to you then?

• 1:05:20Speaker 03

  That I don't think about it. I don't think about any of it.

• 1:05:23Caleb Hammer?

  And how has that worked?

• 1:05:24Speaker 03

  It's worked fine.

• 1:05:26Caleb Hammer?

  How is it? $75,000 in retirement?

• 1:05:28Speaker 03

  It's worked fine until now. I've-

• 1:05:29Caleb Hammer?

  It literally has. It's only stacked up until now. Now you're just facing the consequences for your actions that haven't been working.

• 1:05:36Speaker 03

  Of the one year that I took.

• 1:05:38Caleb Hammer?

  No, you moron! You only have $75,000 in retirement. That is your entire life. That's not just last year.

• 1:05:44Speaker 03

  Right. But it's never been an issue. I've never had to have a budget-

• 1:05:49Caleb Hammer?

  Are your kids embarrassed?

• 1:05:50Speaker 03

  No, cuz when they were young, we did the same thing.

• 1:05:53Caleb Hammer?

  No, of mother.

• 1:05:55Speaker 03

  No.

• 1:05:55Caleb Hammer?

  Extreme political-

• 1:05:57Speaker 03

  Oh my gosh.

• 1:05:58Caleb Hammer?

  Extreme political, not gonna be able to retire or sacrifice anything, mother.

• 1:06:02Speaker 03

  No.

• 1:06:03Caleb Hammer?

  You smoke?

• 1:06:03Speaker 03

  No.

• 1:06:04Caleb Hammer?

  Did you?

• 1:06:05Speaker 03

  No, never.

• 1:06:06Caleb Hammer?

  For the sun. You wear sunscreen?

• 1:06:08Speaker 03

  No.

• 1:06:09Caleb Hammer?

  Ah.

• 1:06:10Speaker 03

  Never.

• 1:06:10Caleb Hammer?

  Ding ding ding ding ding. Found it.

• 1:06:15Caleb Hammer?

  Gotta wear sunscreen, especially in that Florida fucking heat. Look what it's done to you.

• 1:06:19Speaker 03

  Cause I'm half, I'm part Portuguese.

• 1:06:22Caleb Hammer?

  Look what it's done to you.

• 1:06:23Speaker 03

  What?

• 1:06:24Caleb Hammer?

  I guess it's irreversible. Is it irreversible?

• 1:06:29Caleb Hammer?

  You just, you've gotten, you got all the sunspots and like wrinkles and stuff.

• 1:06:33Speaker 03

  Yeah, and I'm also 56.

• 1:06:34Caleb Hammer?

  I know, but 56 years who wear sunscreen every day have much smoother skin. It's fine. Just like, do we need an additional diagnosis in your life? Skin cancer.

• 1:06:47Caleb Hammer?

  Okay, it's only 6% payoff, so you just got this. Like a 12 point, it's a 12.6% interest rate. What's wrong with you? That's free money?

• 1:06:55Speaker 03

  Well.

• 1:06:56Caleb Hammer?

  12.6% interest rate, it always comes. Yeah.

• 1:06:58Speaker 03

  Yeah.

• 1:06:59Caleb Hammer?

  Interest.

• 1:06:59Speaker 03

  Well, cause I've never had to have a budget or anything. And then once I'm kinda looking at it.

• 1:07:05Caleb Hammer?

  You always need a budget. Just because you didn't see what was happening doesn't mean you didn't need a budget. That, that logic doesn't make sense.

• 1:07:13Speaker 03

  Yeah, just never, I never had to. The kids always, we always had video games, we had.

• 1:07:18Caleb Hammer?

  Cause dad.

• 1:07:18Speaker 03

  We went to.

• 1:07:20Caleb Hammer?

  And not putting money aside for retirement, not any personal responsibility. And then we're gonna have to take care of you. It's pathetic. The money always comes?

• 1:07:29Speaker 03

  Yeah.

• 1:07:29Caleb Hammer?

  No, the only thing coming is to do it in the back of class. He didn't finish to that nuclear power plant talk?

• 1:07:37Caleb Hammer?

  Those are some big fucking holes at the top of those things.

• 1:07:41Caleb Hammer?

  This makes no sense. I just don't understand. Why the fuck you are doing this in your second half of your 50s?

• 1:07:51Speaker 00

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

• 1:08:16Caleb Hammer?

  50s. Take consolidation to 12.6%.

• 1:08:19Speaker 03

  Oh, that grinding.

• 1:08:21Caleb Hammer?

  Shut the fuck up. You've just worked the normal ass jobs. I don't want to hear it. I had a job at the same age as you did when I started as well. I'm not complaining about having to work at Steak and Shake at 15.

• 1:08:36Speaker 03

  Well, when you're in your 50s and you want to have a year of doing whatever you want, you'll deserve it. I felt like...

• 1:08:41Caleb Hammer?

  That's, I know there's not entitlement in this world. I know that I reap the rewards of what I put in.

• 1:08:47Speaker 03

  And that's what I felt I was doing. I was reaping my rewards.

• 1:08:50Caleb Hammer?

  There was no reward there, though. You just took something that didn't exist and now you're paying for it.

• 1:08:57Caleb Hammer?

  That's debt. You put it all on debt. Oh my god, so Venmo credit card. Have I even seen this? I don't even know. I don't even know if I've had this before. This is like new. Venmo credit cards are new and you immediately just were like, oh, there's free money.

• 1:09:10Speaker 03

  No, I actually got that one for my daughter so that she could build her credit.

• 1:09:14Caleb Hammer?

  Oh, yeah, you're a great example of that.

• 1:09:16Speaker 03

  But, well, I was before.

• 1:09:19Caleb Hammer?

  Okay, well, who's spending on it? You or her?

• 1:09:22Speaker 03

  Me.

• 1:09:22Caleb Hammer?

  But she's on it?

• 1:09:23Speaker 03

  No, she's not. I didn't want to put her on it now.

• 1:09:27Caleb Hammer?

  Why did you spend $266.32 in the previous month if you're not even putting half of that towards the card? Takes two years to pay off minimum payments only without any additional purchases, of which, oh, you like to purchase. Balance, $539.9, $30 minimum payment. What the fuck are you doing?

• 1:09:44Speaker 03

  I don't know what I bought. I have no idea.

• 1:09:46Caleb Hammer?

  Well, how about Carnival the Fun Shops? Sirius XM. You're telling me you're not a boomer? Taco Bell.

• 1:09:56Speaker 03

  Well, that was on the Carnival Cruise.

• 1:09:58Caleb Hammer?

  Taco Bell?

• 1:09:59Speaker 03

  No, um, the, whatever.

• 1:10:02Caleb Hammer?

  Sirius XM?

• 1:10:03Speaker 03

  No, no.

• 1:10:04Caleb Hammer?

  Oh, the one that says Carnival? Yeah, I assumed.

• 1:10:06Speaker 03

  Yeah, that was from the Shiprock Cruise.

• 1:10:09Caleb Hammer?

  Isn't Carnival the...

• 1:10:12Caleb Hammer?

  Is this a little...

• 1:10:15Caleb Hammer?

  Trashy?

• 1:10:16Speaker 03

  Oh, really? Why? Why is it trashy?

• 1:10:19Caleb Hammer?

  Starbucks is bullsh** and a waste of money, and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. Honestly, it literally tastes better, and we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. ranked energy drink is literally the cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10% off your order at gamersubs.gg or click that link in the description below. Type in code Caleb. Hammer Elite is the best YouTube membership on the platform and I just upgraded it.

• 1:11:05Caleb Hammer?

  Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise.

• 1:11:17Caleb Hammer?

  Oh, because everyone's just throwing ass and uh.

• 1:11:20Speaker 03

  Who is that?

• 1:11:21Caleb Hammer?

  People, trashy people, just bouncing, throwing ass.

• 1:11:25Speaker 03

  Yeah.

• 1:11:25Caleb Hammer?

  Smoking weed?

• 1:11:26Speaker 03

  I didn't see any of that.

• 1:11:27Caleb Hammer?

  Really? Not on your carnival? Did you have carnival elite?

• 1:11:30Speaker 03

  No, we had the whole ship for people that listen to metal.

• 1:11:34Caleb Hammer?

  Oh, it was a, yeah, no, no, no.

• 1:11:36Speaker 03

  So there was no trash.

• 1:11:37Caleb Hammer?

  Were not there.

• 1:11:38Speaker 03

  No.

• 1:11:39Caleb Hammer?

  Oh, they've banned rap music on Carnival Cruises.

• 1:11:42Speaker 03

  Why?

• 1:11:43Caleb Hammer?

  Because just do, listen, okay, listen, I know I'm making like, ha ha, silly little racist joke. But the thing is, it has, it has absolutely nothing to do with the fact that unfortunately, the videos. Okay, unfortunately, the videos, the people were, eh, we're majority black, eh, eh, put it in there. But it has nothing to do with that. It's just the fact that it was just an endless chaos machine of just crazy parties and it just looked horrible and it was making the brand not sell well because no one wanted to go there.

• 1:12:13Speaker 03

  That's probably why they do these cruises now.

• 1:12:15Caleb Hammer?

  Yeah, I mean, there's themed cruises everywhere.

• 1:12:17Speaker 03

  Well, this was the first one I had ever been on because I wanted to treat myself.

• 1:12:21Caleb Hammer?

  Apple card, what's going on? Uh, Apple card, 2000.

• 1:12:25Speaker 03

  That's my favorite one.

• 1:12:26Caleb Hammer?

  Oh, you have a favorite card?

• 1:12:27Speaker 03

  Yeah, because if it comes up to where there's no money on it, I can throw money on it real quick and it

• 1:12:33Caleb Hammer?

  What?

• 1:12:33Speaker 03

  Bredits me right away. I know. That's part of the money always coming.

• 1:12:40Caleb Hammer?

  That's not money, you moron. That's you putting money, oh my. The spending's insane. I, there are no tears when you can't retire and we should not at all raise taxes, especially social security taxes because she can't retire, after what you're about to see here. $2,079.68 with $58 minimum payment. Door dashing, hungry Howies. Home chef.

• 1:13:07Caleb Hammer?

  Craft Light Brewing, Applebell, Door Dashing Green Tea, Applebell, Applebell, Netflix, T-Moo, Louder Than Life, Door Dashing Hungry Howies, Applebell, YouTube Premium, Instacart. You, it's all bullshit.

• 1:13:23Speaker 03

  Well, louder than like-

• 1:13:24Caleb Hammer?

  Bullshit!

• 1:13:25Speaker 03

  Music festival.

• 1:13:25Caleb Hammer?

  Save up money for retirement, pay off your debt. You entitled piece of shit. High interest, interest accruing, payments not being made, only when you want to spend more.

• 1:13:40Caleb Hammer?

  Mission Lane, oh my goodness, you spent $2,593 on this. Interest accruing, 19 years to pay off, I'm gonna die.

• 1:13:48Caleb Hammer?

  Ahhhhh! You only made the amount to pay a bit and then you purchased $2,593. Death! Death, absolute death. Mission, you owe $4,659.16. Minimum monthly payment, $130.72. 19 years to pay off, are you, are you gonna be alive?

• 1:14:11Speaker 03

  Probably not. Cause my aneurysm will burst.

• 1:14:15Caleb Hammer?

  I thought she's, but you might be able to get rid of it, right?

• 1:14:17Speaker 03

  Well, I have surgery, yeah.

• 1:14:19Caleb Hammer?

  Yeah? Can you get surgery?

• 1:14:23Speaker 03

  Possibly.

• 1:14:23Caleb Hammer?

  Okay. I mean, which, which one's riskier?

• 1:14:26Speaker 03

  I have no idea, cause I don't pay attention at the doctor either.

• 1:14:31Speaker 03

  It's not my job.

• 1:14:32Caleb Hammer?

  It is, actually. What about your kids? You have grandkids?

• 1:14:37Speaker 03

  Yes.

• 1:14:38Caleb Hammer?

  Okay, you wanna be around a little longer?

• 1:14:40Speaker 03

  I would like to.

• 1:14:41Caleb Hammer?

  Let's pay attention at the doctor, then.

• 1:14:43Speaker 03

  I do, I'm a great rules follower.

• 1:14:46Caleb Hammer?

  What, okay, then what's riskier? The open heart surgery or just keeping it there?

• 1:14:50Speaker 03

  I would have to ask. Cause he has told me, or I would remember.

• 1:14:55Caleb Hammer?

  What has he advised you do?

• 1:14:57Speaker 03

  That we're gonna monitor it, and if it gets one, it's at like 38, if it gets to 40, that's when it bursts.

• 1:15:02Caleb Hammer?

  You're saying that at 8% the bonds fail and we are already at 4%?

• 1:15:06Speaker 03

  That's right. So when it's at 39, we can do surgery.

• 1:15:10Caleb Hammer?

  Okay. How easy is it to go from thirty to thirty-nine? I don't know.

• 1:15:14Speaker 03

  Well, what's weird is I never had this problem before. So that was my worry. If it can come along that fast, it's nothing I ever had before. So how did it even get to thirty-eight? I had unregulated blood pressure where I was just like passing out all this time. Actually, no, it wasn't then.

• 1:15:30Caleb Hammer?

  You just told me you lost like a hundred pounds or something.

• 1:15:32Speaker 03

  I got down to a hundred and thirty-five, but that's part of my YOLO.

• 1:15:35Caleb Hammer?

  From?

• 1:15:36Speaker 03

  From one seventy.

• 1:15:38Caleb Hammer?

  Okay, yeah.

• 1:15:39Speaker 03

  But I gained back. I was a hundred and thirty-five and then I've gained back twenty pounds.

• 1:15:44Caleb Hammer?

  Okay, well.

• 1:15:44Speaker 03

  Part of the YOLO, part of the DoorDash.

• 1:15:47Caleb Hammer?

  You only live once, that YOLO? Well, your once is coming to an end if you don't keep your weight and blood pressure under control. Are you on blood pressure medications?

• 1:15:55Speaker 03

  Very minimal.

• 1:15:56Caleb Hammer?

  Okay, well, at least you are. You die is better? And they recommended more salt?

• 1:16:02Speaker 03

  Yeah, he said more salt for like the.

• 1:16:05Caleb Hammer?

  Maybe that makes sense. I don't.

• 1:16:07Speaker 03

  Yeah, because I don't.

• 1:16:07Caleb Hammer?

  That's not my thing.

• 1:16:08Speaker 03

  Yeah.

• 1:16:09Caleb Hammer?

  Okay.

• 1:16:12Caleb Hammer?

  Okay, uh, okay, so the two thousand we spent on here.

• 1:16:17Caleb Hammer?

  Welcome to, I don't know, you spent eight hundred ninety-three dollars.

• 1:16:19Speaker 03

  Welcome to Rockville, the other, the other one, but that's paid off now.

• 1:16:23Caleb Hammer?

  The other what?

• 1:16:23Speaker 03

  The other festival.

• 1:16:25Caleb Hammer?

  Okay, Amazon, Amazon, Amazon, allure hair design.

• 1:16:28Speaker 03

  Oh, that's my friend, yeah. She put purple in my hair for the.

• 1:16:31Caleb Hammer?

  Carnival fun shops.

• 1:16:33Speaker 03

  Yeah.

• 1:16:33Caleb Hammer?

  Welcome to twenty, Row Twenty-Six, Carnival Horizon. This is just ridiculous. Had a thirty percent interest rate, basically. This is so stupid. This is so stupid, man. Oh, when you refinanced eight months ago, you paid everything off. And now these are back up to the. Pathetic. It's honestly pathetic. It really is. Like, I'm, I'm losing my energy to even have the, to even feel outraged towards all this. This is pathetic. Quicksilver, what's going on?

• 1:17:04Speaker 03

  It's another card.

• 1:17:06Caleb Hammer?

  Oh. Wonderful. You actually didn't spend, surprising enough. Oh, you really can. It's basically maxed out at three thousand, yeah, nine hundred thirty-six dollars and eight cents. Oh, sorry, New Balance, two thousand eight hundred fifty-three. Still basically maxed out, though. Sixty-eight cents. Minimum monthly, eighteen years above. Minimum payment, one twenty-three. Yeah, I guess you don't really care if you're not gonna be here for a while.

• 1:17:35Caleb Hammer?

  What about any debts your kids will have to settle in order to get access to your assets, though?

• 1:17:39Speaker 03

  Hmm, I don't think there would be anything, right?

• 1:17:41Caleb Hammer?

  It depends on the debts, also depends on the states, it's, I don't know.

• 1:17:46Caleb Hammer?

  Okay. Uh, Navy, wow, Old Navy?

• 1:17:49Speaker 03

  Yes, so that one actually, um, you know, because they give you a discount when you open up the card on what your purchases were.

• 1:17:59Caleb Hammer?

  Oh my goodness, you fall for everything.

• 1:18:00Speaker 03

  So I did that, but...

• 1:18:02Caleb Hammer?

  And you're more than paying for it with $70.23 a month in interest.

• 1:18:06Speaker 03

  Well, and that's what kinda made me think twice about this plan.

• 1:18:11Caleb Hammer?

  Whoa, you had a thought?

• 1:18:12Speaker 03

  Was that they cut my credit limit, and that's never happened to me before in my life.

• 1:18:16Caleb Hammer?

  Yeah, it's because you're shit with money. 17 years to pay off 107, 13 minimum three payment, you owe $3,760.95. Oh my goodness, you purchased $2,000 on here. I'm [bleep] Old Navy, while it's accruing $70 in interest, oh my [bleep].

• 1:18:29Speaker 03

  Can use it anywhere.

• 1:18:30Caleb Hammer?

  What are all these Apple [bleep] things? Apple Bill, Apple Bill, or...

• 1:18:34Speaker 00

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

• 1:18:59Caleb Hammer?

  Air Design again, bullshit, PortaVida. Ship Rocket, Ship Rocket?

• 1:19:05Speaker 03

  Ship Rocked is the cruise.

• 1:19:07Caleb Hammer?

  Oh my death, Apple Bill, Ship Rocked, Ship, the cruise, cruise, cruise, Apple Bill. Seaport Parking, Wendy's, Dunkin' Donuts, Market Plaza. Guys, she doesn't spend that much money. Apple Bill, Apple Bill, Funeral Port.

• 1:19:21Speaker 03

  Oh, that's the Funeral Portrait, that's a band, that was merch.

• 1:19:24Caleb Hammer?

  Okay.

• 1:19:25Speaker 03

  She gotta get Birch.

• 1:19:26Caleb Hammer?

  Little bit of, uh, foreshadowing?

• 1:19:30Speaker 03

  Is it?

• 1:19:30Caleb Hammer?

  33.24% interest rate on here. This is where you're spending all your money, this is ridiculous. Give me your [bleep] phone.

• 1:19:39Speaker 03

  Me?

• 1:19:39Caleb Hammer?

  Yeah, no, no, no, someone that's not on camera.

• 1:19:44Speaker 03

  I don't know who gets on here.

• 1:19:45Caleb Hammer?

  The audience, I'm talking to the audience.

• 1:19:49Caleb Hammer?

  Oh my goodness, the way boomers have their phones, everything's just in a folder.

• 1:19:55Caleb Hammer?

  Oh my goodness, subscription queen. Apple Music, Finch, self-care pet. Self-care pet? So a digital pet?

• 1:20:04Speaker 03

  I don't know, I don't know what that is.

• 1:20:06Caleb Hammer?

  Pedometer?

• 1:20:07Speaker 03

  Oh, it's a pedometer, yeah.

• 1:20:09Caleb Hammer?

  Yeah, a pedometer, not pedometers.

• 1:20:13Speaker 03

  Don't need that.

• 1:20:14Caleb Hammer?

  Price snap?

• 1:20:16Speaker 03

  Price?

• 1:20:17Caleb Hammer?

  Oh, it's an AI price thing, but you can do that with any AI.

• 1:20:21Speaker 03

  Yeah, but that one.

• 1:20:22Caleb Hammer?

  Tashi mun, Tachimon?

• 1:20:24Speaker 03

  Oh, that's the heart tech, um, techometer, that's for my heart.

• 1:20:27Caleb Hammer?

  You seem to not care about it because it's expiring soon.

• 1:20:31Speaker 03

  Because I'm done with it.

• 1:20:32Caleb Hammer?

  Text killer spam thing, wolves, puppy and dog, something, yearly subscription to yearly subscription, I don't even know what that is. Lots of inactive subs, you try lots of things constantly.

• 1:20:44Speaker 03

  I like to support creators.

• 1:20:45Caleb Hammer?

  Oh yeah. Creators, what creators, what creators are you doing? Oh my goodness, even your recent spending, your Apple cards, all bullshit. What creators, what?

• 1:20:52Speaker 03

  Like, I like to support people that are making things, people that are not businesses.

• 1:20:57Caleb Hammer?

  How about you make retirement? How about you make an older age?

• 1:21:02Caleb Hammer?

  Amazon, okay, uh, puzzles.

• 1:21:06Speaker 03

  Yeah, those are gifts.

• 1:21:07Caleb Hammer?

  Girls, cinnamon supplement thing, Amazon Basics, 13 gallon trash bags, that's fine. Scott's Comfort Plus, that's fine.

• 1:21:15Speaker 03

  I do fall for a lot of those, like, oh.

• 1:21:17Caleb Hammer?

  Supplements?

• 1:21:18Speaker 03

  Collagen and yeah, berberine.

• 1:21:20Caleb Hammer?

  Well, there are certain things that are good, collagen's not necessarily, that's not bad, but.

• 1:21:24Speaker 03

  Yeah, so I'll get that and stuff.

• 1:21:26Caleb Hammer?

  Okay, bras, something about old titties. So I don't like thinking about them, I don't know why.

• 1:21:34Speaker 03

  Well, just like I don't want to think about Guyana and dick.

• 1:21:38Caleb Hammer?

  That's a little racist of you, I'll be honest.

• 1:21:40Speaker 03

  Well, Guyana is a country. I don't want to think about white dick either, makes any difference.

• 1:21:47Caleb Hammer?

  It's a little gay of you.

• 1:21:50Caleb Hammer?

  I'm just being ageist. But.

• 1:21:53Speaker 03

  Okay, so ageist is okay?

• 1:21:55Caleb Hammer?

  Yeah.

• 1:21:56Speaker 03

  Yeah.

• 1:21:57Caleb Hammer?

  No, of course not, I'm being silly, but.

• 1:22:01Caleb Hammer?

  Okay, well, $81 in retirement. Wow.

• 1:22:03Speaker 03

  Yeah, I think, I think some of them are better than others.

• 1:22:07Caleb Hammer?

  Okay, what is this? Uh, credit union, something, I don't know, you have a

• 1:22:12Speaker 03

  Pentagon.

• 1:22:13Caleb Hammer?

  Yeah, what is Pentagon?

• 1:22:14Speaker 03

  The Pentagon.

• 1:22:14Caleb Hammer?

  Forty-seven years to pay off. They're allowing someone to have a forty-seven year payoff card at fifty-six?

• 1:22:21Speaker 03

  That's weird.

• 1:22:23Caleb Hammer?

  Like, what is their, what is their business here?

• 1:22:26Speaker 03

  They're the Pentagon. It's the Pentagon.

• 1:22:29Speaker 03

  The federal Pentagon.

• 1:22:30Caleb Hammer?

  What is their business? Okay.

• 1:22:32Speaker 03

  They're, mm.

• 1:22:34Caleb Hammer?

  Okay.

• 1:22:34Speaker 03

  That's the credit union.

• 1:22:35Caleb Hammer?

  Oh, they don't get, they don't pass audits, I guess. This is clearly why. Seven thousand, nine hundred, sixty-eight dollars and eighty-four cents.

• 1:22:44Caleb Hammer?

  Minimum monthly payment, four hundred, sixty-eight dollars and eighty-four cents. Forty-seven years to pay off. Yeah, I don't know, this is, this is ridiculous.

• 1:22:52Speaker 03

  And

• 1:22:52Caleb Hammer?

  Oh, you're over the limit. Four hundred, sixty-eight dollars. Oh, Pentagon doesn't give a shit, though, I guess, so.

• 1:23:00Caleb Hammer?

  Apple bill, Whirlpool, Whirlpool, Whirlpool appliances.

• 1:23:05Speaker 03

  Oh, a filter for my water thing.

• 1:23:08Caleb Hammer?

  You're over the limit and they let you, okay. Seventeen point nine nine percentage, oh my goodness, dude, you have every credit card just up to the max. This is insanity. Spent money on this one, too, your Amazon Chase card. Okay, yeah, we just looked at the Amazon. But you're purchasing Amazon on other cards as well.

• 1:23:23Speaker 03

  Yes.

• 1:23:24Caleb Hammer?

  Four thousand, one hundred, forty-seven dollars and ninety-three cents. Minimum monthly payment, one hundred, forty-three dollars. Purchasing, of course, sixteen years to pay off, what's the point? Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, interest, two oh five this year so far, we're only a couple of months in. That's, this is pathetic again. Affirm, of course you've gone down the affirm pipeline. Well, you just do everything, dude.

• 1:23:47Speaker 03

  I didn't even know what affirm was. That's my cell phone.

• 1:23:49Caleb Hammer?

  Good, keep the ignorance. Oh, you affirmed your phone?

• 1:23:53Speaker 03

  Well, because

• 1:23:53Caleb Hammer?

  Oh, because you bought your phone outside of the shop?

• 1:23:55Speaker 03

  I got it through Mint Mobile, yes.

• 1:23:57Caleb Hammer?

  Oh, so you just had to buy the phone separately and then get Mint on it? I mean, helium, I do helium at this point, fifteen bucks a line, but that's okay. Hey, I guess you can actually do that, because you don't, this phone's not conjectually attached, this payment to

• 1:24:13Caleb Hammer?

  Okay, so $1,424, $94 a month payment. So you have a 17% interest rate on your phone. What are we doing? You will fall for anything. Oh, here we go. Student loans. For what again? For the degree you dropped out because a dude was jerking it?

• 1:24:30Speaker 03

  I dropped out because it was useless.

• 1:24:32Caleb Hammer?

  Was it? Does it have a return on investment?

• 1:24:34Speaker 03

  I don't think so, not.

• 1:24:35Caleb Hammer?

  Then why would you go in the first place?

• 1:24:37Speaker 03

  Because it was 2020 and I was bored in my house. I'd moved.

• 1:24:39Caleb Hammer?

  Do something else productive.

• 1:24:41Speaker 03

  Well, getting a master's degree, I thought was pretty productive.

• 1:24:43Caleb Hammer?

  Not if it doesn't have a return on investment.

• 1:24:46Speaker 03

  At least it was interesting and it's in my industry.

• 1:24:48Caleb Hammer?

  Was it? You said you were bored.

• 1:24:49Speaker 03

  I was bored during COVID, yeah.

• 1:24:52Caleb Hammer?

  Okay, so you're $10,382.77 with a $260.80 minimum monthly payment. Oh, past due, $130.

• 1:25:02Speaker 03

  Yeah, I don't know what their pay dates are. And I don't know.

• 1:25:05Caleb Hammer?

  Set up auto pay.

• 1:25:06Speaker 03

  That's a new loan too, like.

• 1:25:08Caleb Hammer?

  It's not a loan. It's just kicking in because all the deferment periods are done. It's not a new.

• 1:25:12Speaker 03

  Well, they, they keep changing in the provider. So I never know who I'm.

• 1:25:16Caleb Hammer?

  Changing the what?

• 1:25:17Speaker 03

  The provider, like this is.

• 1:25:18Caleb Hammer?

  Yes, yeah, there's different services. They get pushed everywhere. Doesn't change your minimum monthly payment, though. It's the same federal rules.

• 1:25:23Speaker 03

  No, but it's who I have to pay it to.

• 1:25:25Caleb Hammer?

  Does it matter? Go on the phone. Hmm, you are pathetic. You can't do anything. I'm so done. I'm so done. I'm so done. I'm done. I'm done. Yeah, checking account started with five, ended with five. No, sorry, that was our regular savings. Great at retirement age. Checking account ended with $46. Wicked Cookies. Friday's Southern Eats. Dude, Pork Ricky and some restaurant bullshit there. Southland Concessions, Bagel, Patriot Shave.

• 1:25:53Speaker 03

  Oh, that's razors.

• 1:25:54Caleb Hammer?

  Wow, you really got that red, white and blue. Clean pussy. All right, that's good.

• 1:26:00Speaker 03

  It's a good razor. No bumps.

• 1:26:02Caleb Hammer?

  Freedom pussy. ATM withdrawal of $320.

• 1:26:06Speaker 03

  Well, I was trying to do a cash budget for myself.

• 1:26:09Caleb Hammer?

  Oh, we could just use DollarWise, dude. McDonald's, $12.93. Surprise, no overdraft. It's just, what a joke.

• 1:26:19Caleb Hammer?

  Withdrawal paid some fee, $29 in this account. I can't even see the balance on this. Uh, okay, where did it end? Did it end at the top or did it go? Okay, it went forward. You started at 96.

• 1:26:31Caleb Hammer?

  You overdrafted. You overdrafted in this account. Oh, and then your Jeep's with it.

• 1:26:37Speaker 03

  That's when I realized, like, wait a minute, the money's not coming.

• 1:26:40Caleb Hammer?

  Oh!

• 1:26:41Speaker 03

  It always comes.

• 1:26:43Caleb Hammer?

  Yeah, something happened. You figured it out for the first time, finally. It only took till 56. Jeep, what do you owe total? I can't, I can't find the balance, but I know-

• 1:26:52Speaker 03

  I think it was 41-

• 1:26:53Caleb Hammer?

  Thousand?

• 1:26:53Speaker 03

  Yeah.

• 1:26:54Caleb Hammer?

  What? Under 29, Jeep Go Gladiator?

• 1:26:58Speaker 03

  Well, I had a 2020 Mustang California Special, but I had to trade it in because my dog is claustrophobic and he wouldn't get in the Mustang anymore.

• 1:27:08Caleb Hammer?

  Get another larger vehicle.

• 1:27:10Speaker 03

  And I put-

• 1:27:10Caleb Hammer?

  What are you saying? Are you telling me it's actually worth, or it's, it's, uh... Oh my gosh, your minimum payment is $699. That's at a 7.25% interest rate. And 69 cents. Okay, so it's what? It's 40, 41? How much do you owe?

• 1:27:25Speaker 03

  41,000?

• 1:27:25Caleb Hammer?

  Ah! How much do you think it's worth?

• 1:27:27Speaker 03

  I have no idea.

• 1:27:28Caleb Hammer?

  23.

• 1:27:29Speaker 03

  And I put eight grand down on it. That was the rest of my little-

• 1:27:32Caleb Hammer?

  Bro. Oh, I'm, I'm so [bleep] done. $6 in this checking account, ATM withdrawal. Pool, some pool, $100 pool, probably pool care. King C, ATM withdrawal, 200 bucks, who knows where that went? Another 300 there. Yummy Thai food, Professor AR on Spotify. So you have Spotify and SiriusXM?

• 1:27:52Speaker 03

  Yeah, because I don't like listening to-

• 1:27:54Caleb Hammer?

  I'm gonna die. Okay, but use one, right?

• 1:27:59Caleb Hammer?

  Right?

• 1:27:59Speaker 03

  Yeah, I'll figure out which one I like the best.

• 1:28:02Caleb Hammer?

  You haven't yet?

• 1:28:03Speaker 03

  I will.

• 1:28:03Caleb Hammer?

  You haven't yet?

• 1:28:06Caleb Hammer?

  Oh my gosh. Okay, ending balance in this. Oh, savings from $48 to $21. Whew.

• 1:28:13Caleb Hammer?

  Retirement is going so well. Okay, three, uh, okay, then this savings 1153 and then 316 ending balance in that checking account. Best balance you've had in a checking account. How is this moving money back and forth? It's not even actual management. $10 in the savings. Dude, this is crazy. More? Oh, this is another debt. Is this an additional $6,206?

• 1:28:38Caleb Hammer?

  Is student loans? It's on your credit report?

• 1:28:41Speaker 03

  Oh, then I don't even know what that one is or who, who it's with.

• 1:28:45Caleb Hammer?

  But it's never been late. 37% paid off.

• 1:28:48Speaker 03

  Oh, that might be on autopay somewhere then.

• 1:28:50Caleb Hammer?

  Let me see if the monthly payment matches up with the, no, it doesn't. So this is a new, this is a different one. This is another stu-, oh my gosh. Okay, so another student loan, maybe from a previous, no, you opened it in 2020?

• 1:29:02Caleb Hammer?

  Fuck me, man. Okay, yo, $6,206. Okay, Lindsay said this is for your bachelor degree.

• 1:29:09Speaker 03

  Um, if it was 2021, that would be my masters.

• 1:29:13Caleb Hammer?

  Oh, I don't know. Wait, what is, what is this one? 15,000? Is that the, is that the previous student?

• 1:29:21Speaker 03

  That might be, because they keep changing the providers. That might be another one.

• 1:29:24Caleb Hammer?

  But it's different payments and stuff. Uh, no, because this is a completely different balance. And this was just pulled. I don't know. I'm gonna assume, okay, this one's a federal. I don't know what the other one is. Let's keep it as it is. But the minimums don't line up. I don't know. So it's gonna make budgeting confusing. You need to log into all your accounts.

• 1:29:43Caleb Hammer?

  But we'll try our best. See what we can do with you. I mean, just bad debt alone, you have $37,000. I mean, no, it's worse than that. But your total debt situation is $388,022, while the mortgage is only 275 of that. You have over $100,000 of bad debt. It's, this is insanity. Year income, monthly, $7,170.85. Mortgage, $2,323.97.

• 1:30:12Caleb Hammer?

  Debt payments besides that, let's find out. It's not gonna be great. And it might be missing a student loan payment. I don't know. Did your minimum two payments outside of your mortgage are more than your mortgage? $2,556.29, that's insane.

• 1:30:28Caleb Hammer?

  Utilities, gas, electric, trash, all this stuff combined, how much? Internet?

• 1:30:33Speaker 03

  That's all in my HOA fees.

• 1:30:36Caleb Hammer?

  Oh, her 401k was missed. Oh, no, we saw the 401k. I just didn't see there was a loan on there. There's a loan on your 401k?

• 1:30:44Speaker 03

  That was really old.

• 1:30:45Caleb Hammer?

  But is it there?

• 1:30:47Speaker 03

  Yeah.

• 1:30:48Caleb Hammer?

  You still have it?

• 1:30:49Speaker 03

  I think so. It's on my pay stub.

• 1:30:52Caleb Hammer?

  Good death, woman. Okay, I'm so, okay, yeah, what's your utilities? Utilities, what is it? Yeah, fuck you.

• 1:31:00Speaker 03

  They're pretty minimal, like

• 1:31:01Caleb Hammer?

  Tell me numbers!

• 1:31:02Speaker 03

  200, I'm trying to think, like 150 on average.

• 1:31:06Caleb Hammer?

  Is that including internet?

• 1:31:09Speaker 03

  Internet's included in my HOA fee. Internet, trash, everything else.

• 1:31:14Caleb Hammer?

  Including your mortgage? I don't think so. So what's your HOA?

• 1:31:16Speaker 03

  600 quarterly.

• 1:31:20Caleb Hammer?

  Even still, quite chunky. 200 bucks a month plus 150 for utilities, 350. You're letting your HOA take care of your internet? That's insane.

• 1:31:28Speaker 03

  We have to.

• 1:31:29Caleb Hammer?

  Have to? I would never buy there.

• 1:31:31Speaker 03

  They do.

• 1:31:31Caleb Hammer?

  Probably shit speeds. Okay, phone bill? Well, how much?

• 1:31:35Speaker 03

  Prepay it, so it's like $300 a year.

• 1:31:39Caleb Hammer?

  Well, I don't know how you can afford to even do that at once, but 25 bucks a month. I would do helium for 15.

• 1:31:46Caleb Hammer?

  T-Mobile's getting your area, I'm assuming it does. How much for gas, room from drive, drive?

• 1:31:50Speaker 03

  I work from home, so maybe 25 bucks. But except for when I drive to Atlanta, like I did last week, that was

• 1:31:57Caleb Hammer?

  How frequent is that?

• 1:31:58Speaker 03

  $200. Well, it's when I go to concerts.

• 1:32:01Caleb Hammer?

  How frequent is that?

• 1:32:04Speaker 03

  Probably never again.

• 1:32:06Caleb Hammer?

  Guys, I just read a note, this post-show is gonna be absolutely Crazy. Absolutely crazy. She's about to have to have a crazy. I will let you know in a second. Oh, actually, I have to tell you now because this is just crazy. She recently bought a car for her daughter and she's gonna call her and confront her that the daughter needs to pay her back for the car. $2,000 right now. That's gonna be an insane phone call. Okay, whatever. Car insurance, how much? Okay.

• 1:32:30Speaker 03

  Hmm, $90 a month.

• 1:32:33Caleb Hammer?

  Not bad. Okay, food, $300. It's just you, right?

• 1:32:36Speaker 03

  Yes.

• 1:32:37Caleb Hammer?

  Meal plan, meal prep, you. Medical, healthcare. Oh, no, no, not medical, healthcare. TP fund, anything else you need to survive, 150. You do a gym?

• 1:32:44Speaker 03

  No.

• 1:32:46Caleb Hammer?

  Probably should. Thing you got going on. Medical, healthcare. How much a month? Copays, anything?

• 1:32:51Speaker 03

  Oh, for copays, probably about 200.

• 1:32:55Caleb Hammer?

  Okay, you have any pets?

• 1:32:56Speaker 03

  Yes, the dog.

• 1:32:58Caleb Hammer?

  How many?

• 1:32:58Speaker 03

  One.

• 1:32:59Caleb Hammer?

  And health age?

• 1:33:00Speaker 03

  Um, one and a half year old.

• 1:33:02Caleb Hammer?

  Okay, get pet insurance. Good pet insurance, 50 bucks. How much for pet food?

• 1:33:06Speaker 03

  He's a big in, let's see, uh, one bag of food, $75 a month?

• 1:33:12Caleb Hammer?

  Subscriptions, 40. Anything else that needs to be in this budget that I'm forgetting? That is mandatory to survive, not concerts.

• 1:33:19Speaker 03

  Hmm, I cannot think of anything.

• 1:33:21Caleb Hammer?

  Yeah, it's obviously gonna, you need to get more detailed in the DOWEY's budgeting app, but this gives us a baseline to plan next steps from here. Let's see if we can. Yeah, you make it by about a thousand bucks. It shouldn't even be close to that tight, though. But you're lucky it is.

• 1:33:37Speaker 03

  Oh.

• 1:33:38Caleb Hammer?

  $6,185.26 is what you need to survive with a very minimal budget.

• 1:33:45Caleb Hammer?

  $985.50. No wiggle room. Okay.

• 1:33:52Caleb Hammer?

  Debt, 388,022.80 minus the mortgage of 275,035.85. Also minus the student loans, which, yeah, we were confused about those two. So I think we're killing off the 15,593 minus.

• 1:34:19Caleb Hammer?

  Okay, minus in your student loans. He says outstanding debt eighty thousand eight hundred five thousand eighteen cents. How much to go through bankruptcy at your age? Doesn't matter. Already have a mortgage.

• 1:34:32Caleb Hammer?

  But then you won't change your behavior and you'll be right back here again, so.

• 1:34:39Caleb Hammer?

  Takes eighty-one months to pay off.

• 1:34:42Caleb Hammer?

  Shit, six and a half years. Will you be around?

• 1:34:45Speaker 03

  Maybe not.

• 1:34:47Caleb Hammer?

  Dude, if you really want a clean state, change your behavior for a couple of months and go through bankruptcy. Ain't cheap, ain't stress-free, and you don't need stress right now, but this is a lot of stress alone. His payments must be catching up. You must be feeling the bleed. So if you can change your behavior and live on a budget within a few months, then I'll allow you to go through bankruptcy. Without your car, you'll still owe on your car, so you'll have to pay that debt, but that will clear a lot of these minimums payments, which will make your life survivable. You already have a mortgage, so what do you need good credit for? You already have a car and it's a probably okay car, I'd assume, so what do you need good credit for? Stop borrowing money, stop taking out debt, live within your means budget. And if your behavior has changed before you do it, you'll live the rest of your life fine. This is insane.

• 1:35:30Caleb Hammer?

  I don't know. Let's have this call it the daughter. That's what I would do. Let's get your hammer financial score. Spending in a budget, you overspend zero out of ten. Debt? No collections. Behind on things, plus 401k loan. Best I can do is a one out of ten. Emergency fund, I didn't see anything. Zero out of ten, retirement, dramatically behind for your age, plus 401k loan, I'll give two out of ten. Real estate? That's where you at least have an equity position and the rate is not horrendous. This is bad compared to where you came from. Real estate situation is not bad. Put a lot of money into the house, but you're still with the equity position. I'm happy. You have a loan on it still technically. Eight out of ten.

• 1:36:09Caleb Hammer?

  Unless there's something I'm missing with like being behind or something, but I don't think so.

• 1:36:13Speaker 03

  No.

• 1:36:14Caleb Hammer?

  Yeah, that's what's gonna pull you up to a 2.5 is not where you should be at 58 out of 10, 56. Get yours at Calebhammer.com. Now join Hammer Elite by clicking that join button. You can get three premium shows posted every single day, six days a week, including an extra 20 minutes of this show called the Financial Audit Post Show. It's gonna be a good one with this phone call, ladies and gentlemen. I'll see you there. We didn't talk about the fact that she has two [bleep] coming up. One is [bleep] dollars. The other one is [bleep] dollars. What are you doing? And I had no idea it was that. Yeah, go ahead and call her, I guess. Hammer Elite is the best YouTube membership on the platform and I just upgraded it.

• 1:36:54Caleb Hammer?

  Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise.

• 1:37:06Caleb Hammer?

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