$250,000 Down The Drain, For THIS?! | Financial Audit

▶Sooooo she's hid it all from her husband, and in the post show I call him and confront the situation... we actually find out THE DAY we filmed she missed a car payment... WTFFFF watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶ ▶Download my budgeting app today: https://calebhammer.com/app - don't overcomplicate this crap! All you need is an automated and SIMPLE budget. This comes with live CFP sessions, weekly classes, an online community, automatic account connections, my budget-friendly cookbooks, and exclusive discounts on my products Check it out :) Try Rocket Money for free: https://RocketMoney.com/caleb Go to https://meetfabric.com/CALEB and apply today, risk-free Tired of steep car insurance premiums? With Money.com, you can compare multiple car insurance options in just minutes and save big! Click here https://money.com/caleb-car-insurance to see options that could start helping you save money today. Paid endorsement. This message is sponsored by Money.com, which receives compensation from its marketing partners for some of the products and services featured. Eligibility requirements apply and offers may be subject to change without notice. Learn more about how Money.com makes money. ▶▶▶ Download my budgeting app today: https://calebhammer.com/app ▶ Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶Come to my live show in Austin on Feb 22nd: https://www.calebhammer.com/live ▶EDUCATION: 1) Bundle my budgeting, debt + investing program for *15%* *off* : https://calebhammer.com/classpack/ 2) The best budgeting program online: https://calebhammer.com/budget 3) Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing 4) Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula 5) Get your own free Hammer Financial Score: https://www.calebhammer.com _______________________ ▶RESOURCES 1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link 2) Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services. Click this link https://j.moomoo.com/Caleb to get up to 15 free stocks from moomoo U. S when you make a qualified deposit + earn 4.6% on uninvested cash + an additional 3.5% APY Coupon for 3 months for new users!! Terms & Conditions Apply 3) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 4) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer 5) The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 6) Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today! 7) Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/ 8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 9) Therapy: Make SonderMind your mental health home in 2025. Sign up at: https://pages.sondermind.com/caleb/ 10) Build you own stan store: https://www.stan.store/?ref=CalebHammer 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.

• 0:00Speaker 00

  I don't know what I'm doing.

• 0:01Speaker 01

  Need a break.

• 0:02Speaker 00

  Forget it, I quit.

• 0:03Speaker 01

  Escape to Pluto TV.

• 0:05Speaker 02

  This is objectively fantastic.

• 0:07Speaker 01

  Relax into the movies and shows you already know and love, all for free. Swing! Even our news is uplifting.

• 0:13Speaker 03

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• 0:14Speaker 01

  Watch Tommy Boy, Crazy Ex Girlfriend, Anchorman: The Legend of Ron Burgundy, The X-Files, Wayne's World, and so much more. We're not worthy! The best things on TV really are free.

• 0:24Speaker 02

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• 0:26Speaker 01

  Escape to Pluto TV. Stream now, pay never.

• 0:30Speaker 04

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

• 1:00Caleb Hammer?

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

• 1:03Speaker 06

  You blew through a quarter million dollars! You blew through a quarter [bleep] million dollars! I could have been like so many people who go through it in like six months, and I didn't, so add on my back. What the [bleep] did you possibly do?

• 1:17Caleb Hammer?

  A quarter million dollars is life-changing.

• 1:19Speaker 06

  All I had to do was pick up the phone and call my grandmother and be like, "Hey, Mama, I need $5,000," and I had it.

• 1:25Caleb Hammer?

  So you've been a spoiled [bleep] your entire life? Download my new simpler budget app today and take control of your money once and for all.

• 1:35Speaker 06

  Hi, my name is Leila. I'm 39 years old and I live in San Antonio, Texas, and this is Financial Audit.

• 1:43Caleb Hammer?

  Thanks for coming up from San Antonio, especially on such like a wintery day. What do you do for a living down there?

• 1:49Speaker 06

  I am a remote mental health therapist.

• 1:52Caleb Hammer?

  Whoa, okay. Usually the people we try to get our guests in touch with. Like, we give away three free, like, we give them three free therapy sessions, thanks to, uh, uh, Sondermind, you know, that's our, that's our people. So, that's great. That's a great job. That helps a lot of people. I love that. Cool. What do you make that, with that job? That could be money. Could be, should be.

• 2:16Speaker 06

  You would, you would think so, right?

• 2:17Caleb Hammer?

  Is it not?

• 2:18Speaker 06

  It's not. So currently I'm making $20 an hour, working remote.

• 2:22Caleb Hammer?

  What was your degree?

• 2:24Speaker 06

  Masters in Marriage and Family Therapy.

• 2:26Caleb Hammer?

  Okay.

• 2:28Speaker 06

  But when I was in Virginia, I was making like seventy eight thousand.

• 2:30Caleb Hammer?

  Why are you doing this? How many hours a week do you work?

• 2:34Speaker 06

  Forty hours.

• 2:35Caleb Hammer?

  Okay, why are you doing this? You're working for like a nonprofit? What are you doing?

• 2:38Speaker 06

  So I work substance abuse. So I was in Mobile, Alabama, and

• 2:43Caleb Hammer?

  Well, that's why I can't understand you. Okay.

• 2:46Speaker 06

  And, um, you know, my husband got transferred here and

• 2:52Caleb Hammer?

  Transferred?

• 2:52Speaker 06

  Yeah, so

• 2:53Caleb Hammer?

  Husband?

• 2:54Speaker 06

  Yep.

• 2:55Caleb Hammer?

  Okay, okay, so

• 2:56Speaker 06

  And so with him being military, um, we we came here and I was gonna try to work here in Texas. But unfortunately, I failed the N C E by one point.

• 3:08Caleb Hammer?

  Well, then, then, good, right?

• 3:12Speaker 06

  Right.

• 3:12Caleb Hammer?

  If you're failing that, I don't want you to be out there helping.

• 3:16Speaker 06

  But you know, that's like, that's not even, that's not even fair, because the test doesn't even mean that much. Like, I can still be a counselor without taking the test.

• 3:24Caleb Hammer?

  But you can't make this seventy five thousand hour a year wage?

• 3:27Speaker 06

  Well,

• 3:27Caleb Hammer?

  Because you don't qualify for that type of job?

• 3:29Speaker 06

  I was even, I was unlicensed when I was in Virginia. I was working on a adolescent acute mental health unit.

• 3:35Caleb Hammer?

  Okay, so why are you making half the income now?

• 3:37Speaker 06

  Because apparently the South doesn't value mental health, like, at all.

• 3:41Caleb Hammer?

  It's a major city. San Antonio is in the top ten metropolitan areas in the country. I, I, I don't know about that. It sounds like you're working in an addiction place, which is absolutely fantastic, but

• 3:51Speaker 06

  Twenty dollars an hour.

• 3:52Caleb Hammer?

  What in, yeah, but there's more options than that.

• 3:55Speaker 06

  So I'm having to still work remote because without, I can't work legally here in Texas until I pass N C E, right? And there's catch twenty two.

• 4:03Caleb Hammer?

  Why don't you pass? How long, how often can you take it?

• 4:05Speaker 06

  So I can take it every three months.

• 4:06Caleb Hammer?

  And when was the last?

• 4:08Speaker 06

  March.

• 4:09Caleb Hammer?

  Of, of eleven months ago?

• 4:11Speaker 06

  Yeah.

• 4:11Caleb Hammer?

  Of ten months ago? Why haven't you taken it again?

• 4:14Speaker 06

  So

• 4:15Caleb Hammer?

  If we could double our income, why not take a test?

• 4:18Speaker 06

  Here in Texas, you wouldn't exactly double. I would make a little bit more because I would still be an associate. So I'd make a couple dollars more.

• 4:26Caleb Hammer?

  What is the job you would do?

• 4:27Speaker 06

  So I would be an L P C associate. And the jobs that I looked at in San Antonio, they make roughly maybe about twenty three, twenty four. So a few dollars more, but not that great. Um, but being in my field, I realized that I am burned out. And I am so not happy.

• 4:50Caleb Hammer?

  You burned out with what? I'm sure. Yeah. I mean, you're being when you're meeting with people facing addictive issues. That's incredibly difficult. That gets so. Uh, yeah, I'd be burnt out too. I get that. But I mean, what are you trying to say? It's not like you don't have debt to pay off. You need the job. You need to make money. What else can you do?

• 5:05Speaker 06

  I do. So I have a lot of debt to pay off. A lot.

• 5:08Caleb Hammer?

  Wait, you said husband. So this is a dual income.

• 5:11Speaker 06

  It is, but we keep our finances completely separate. We have a prenup agreement.

• 5:15Caleb Hammer?

  You have a prenup? Who's the multimillionaire?

• 5:18Speaker 06

  So when before we got married, I had a lot of money. My grandmother left me.

• 5:23Caleb Hammer?

  When did you?

• 5:26Caleb Hammer?

  When did you guys get married?

• 5:28Speaker 06

  Twenty twenty two.

• 5:30Caleb Hammer?

  Two years ago, your grandma left you a lot of money, which means I would say we can pay off the debt potentially. Um, okay. Well, what are we dealing with? What is the next thing that we're dealing with here? What do we get to play around with?

• 5:42Speaker 06

  So basically I have nothing left. Um.

• 5:46Caleb Hammer?

  What do you mean you have nothing left? Wait, how much did she give? Are we talking like, uh, she gave you twenty thousand dollars and over two years that's gone?

• 5:53Speaker 06

  Oh, no. Oh, no. I had like a hundred and seventy five thousand dollars.

• 5:57Caleb Hammer?

  What the did you possibly do?

• 5:59Speaker 06

  And it took five years to spend, five and a half years to go through it.

• 6:02Caleb Hammer?

  What are you proud of that? What?

• 6:04Speaker 06

  Cause I could have. I could have been like so many people who go through it in like six months and I didn't. So had on my back.

• 6:10Caleb Hammer?

  Hold on, hold on, hold on. You could have been.

• 6:14Caleb Hammer?

  No, one seventy five. You said five years ago? Five years ago, you got it.

• 6:18Speaker 06

  And a half years ago. Yes. It's the account settled in, uh, April of twenty nineteen.

• 6:25Caleb Hammer?

  It was a hundred seventy five damn thousand? Okay. Let's just say I open up my investing app of choice, Mu Mu, wonderful. And I put a hundred seventy five thousand dollars in there. And it just does eight percent a year, all up years, down years combined, stock market history. And it was five years ago. So five years ago, you're thirty four, thirty four. We got twenty six years until we can pull it out. Essentially tax free, zero additions. That becomes you just lost one point four million dollars. Congratulations. Cause you decided to spend it all. Congratulations. And you're proud that it took you five years to spend instead of two.

• 6:57Speaker 06

  Yeah, I mean, like, it's great. But I mean-

• 6:59Caleb Hammer?

  No, but obvi- objectively, that is wrong. Did you not just hear the number I said? 1.4 million dollars? You have any kids? You have any kids with this prenup little kid?

• 7:05Speaker 06

  You're, you're gonna love this. So get this. So-

• 7:10Caleb Hammer?

  Okay, it is too early for this [__], come on. This is usually the get to know stage, the little foreplay. Where you're, you're diving deep. You're go- you're going full peg.

• 7:19Speaker 06

  You are going to love this. You are going to love this. Get this.

• 7:24Caleb Hammer?

  What are you getting excited for?

• 7:25Speaker 06

  Get this. So-

• 7:26Caleb Hammer?

  Wait, hold on. Why the [__] are you here? You don't have the [__] why, why the [__] why, why are you on the show? Tell me before you tell me what I'm gonna love.

• 7:35Speaker 06

  Because you're gonna like fix everything.

• 7:40Caleb Hammer?

  How would I fix?

• 7:41Speaker 06

  You're gonna like tell me what I need to do because like nobody's helped me before.

• 7:45Caleb Hammer?

  How? You've never, you had 175,000 dollars. You didn't sit down with a financial advisor when you got 175,000 dollars?

• 7:50Speaker 06

  Oh, that's what you're gonna love. The money that I got was in a Raymond James stock account. So it was-

• 7:55Caleb Hammer?

  I know what Raymond James is. I'm sure it's a brokerage.

• 7:57Speaker 06

  It was. It was a stock account, an investment account.

• 7:59Caleb Hammer?

  Account, okay. Okay. Yeah, from with Indeed and Glassdoor and Salary.com, we're seeing about the median San Antonio wage and pay scale. Typically, you're looking around 50,000 dollars a year.

• 8:14Speaker 06

  And LPCAs and on top of that-

• 8:16Caleb Hammer?

  10,000 dollar increase from where you are.

• 8:18Speaker 06

  So it would be-

• 8:18Caleb Hammer?

  So it was in a stock account, then, then what?

• 8:21Speaker 06

  When the money got released, um, I took some time off work. And I had some surgeries. I had some, some surgeries to take care of.

• 8:30Caleb Hammer?

  Yeah. Okay. Well, well-

• 8:31Speaker 06

  So I lived off that money for six months.

• 8:33Caleb Hammer?

  Oh, well, well, hold on. Um, over the surgeries?

• 8:38Speaker 06

  So I had sinus surgery and then I had weight loss surgery and I took time-

• 8:43Caleb Hammer?

  How long are you out for sinus surgery?

• 8:45Speaker 06

  So my sinus surgery was like, I was out for two weeks. It was pretty bad.

• 8:49Caleb Hammer?

  You don't blow through 175 in two weeks, okay? What about the weight loss surgery?

• 8:53Speaker 06

  Um, but I paid rent. I had a car payment. Um-

• 8:55Caleb Hammer?

  What about the weight loss surgery?

• 8:57Speaker 06

  The weight loss surgery was-

• 8:58Caleb Hammer?

  When was that?

• 8:59Speaker 06

  Uh, July of 2019.

• 9:01Caleb Hammer?

  Uh, uh, well, I technically already have permission, but I'm gonna ask permission again.

• 9:08Caleb Hammer?

  Uh, can I be offensive real quick potentially?

• 9:12Speaker 06

  Yeah.

• 9:13Caleb Hammer?

  Question, did it work?

• 9:14Speaker 06

  Yeah, I lost a hundred pounds.

• 9:16Caleb Hammer?

  Good job. Well done.

• 9:17Speaker 06

  I was really proud of myself.

• 9:19Caleb Hammer?

  Good. I am too. Hundred pounds is huge.

• 9:21Speaker 06

  It is. Um, I did really well with it. The, I, I started realizing that I was ready to go back to work. Because of course, you know, after the money settled, I had a car that was in.

• 9:34Caleb Hammer?

  Wait, I'm sorry. I was trying not to get canceled, so I didn't hear your answer correctly. How long were you off work for the weight loss surgery?

• 9:39Speaker 06

  So I took off from July to September.

• 9:43Caleb Hammer?

  Did you? Okay. Well, that's also still, still a hundred seventy-five for two and a half months. Total so far is not adding up. So I don't know what the you're talking about.

• 9:51Speaker 06

  So.

• 9:51Caleb Hammer?

  What was your lifestyle cost? What are you talking about? You're making seventy-five thousand dollars a year. Okay. And did you, did you not have any kind of, uh, well, that's not disability. I was gonna say disability insurances.

• 10:02Speaker 06

  I didn't have short term at that time, but at this time I was in Mobile, Alabama, so I had just graduated with my masters. And I was making twenty dollars an hour then.

• 10:13Caleb Hammer?

  You've made such good progress.

• 10:14Speaker 06

  I know, right? I was doing so well. Um, I was taking my friends out to eat. I took care of everybody.

• 10:23Caleb Hammer?

  Your stomach was shrunk?

• 10:24Speaker 06

  Yeah.

• 10:24Caleb Hammer?

  Have it all for yourself?

• 10:25Speaker 06

  Yeah. I made sure that they had food. And I, of course, bought stuff. We went to Vegas.

• 10:31Caleb Hammer?

  Starved?

• 10:33Speaker 06

  Um, no.

• 10:35Caleb Hammer?

  Okay.

• 10:37Speaker 06

  But I was doing really well, bought a car.

• 10:40Caleb Hammer?

  What kind?

• 10:41Speaker 06

  I bought a twenty nineteen Nissan Maxima Platinum.

• 10:44Caleb Hammer?

  New at that time. Oh, that sounds expensive. How expensive was that damn car?

• 10:48Speaker 06

  It was like forty something.

• 10:50Caleb Hammer?

  You're buying cash?

• 10:51Speaker 06

  No, I, see, I was upside down on my other car, but I had to get rid of it because it was in somebody else's name that I.

• 10:57Caleb Hammer?

  She had a hundred seventy-five thousand dollars. Who gives a if you're underwater?

• 11:00Speaker 06

  But I was trying to hold on to it, which to be fair, I held on to it for a long time. To be fair, I didn't go crazy nuts. Cause I almost.

• 11:09Caleb Hammer?

  You lost a hundred seventy-five thousand dollars. You lost one point three million dollars. That's pretty, you don't value.

• 11:16Speaker 06

  But we're not, we're not gonna focus on what I could have had. We're gonna focus on what I had and how well I did with what I had.

• 11:22Caleb Hammer?

  How well?

• 11:22Speaker 06

  At the time.

• 11:23Caleb Hammer?

  So you're actually, you think you actually did well?

• 11:25Speaker 06

  Yeah.

• 11:28Caleb Hammer?

  Cause it lasts five years.

• 11:30Speaker 06

  Five and a half years.

• 11:30Caleb Hammer?

  Yeah, but you were only out of work for two and a half months.

• 11:33Speaker 06

  I was out of work for a few months, yes.

• 11:34Caleb Hammer?

  So the five and a half years, we're talking an additional seventy five thousand dollars a year in those time, in that time.

• 11:40Speaker 06

  Right.

• 11:41Caleb Hammer?

  So times that by five plus the one seventy five, not including any kind of growth that the socks were getting, which during that time it certainly was, talking in the covid time. But either way, divide that by five, okay, you couldn't, you, you're proud that you scaled down so much that you lived off a hundred ten thousand dollars a year, basically in poverty? You are so brave, you're an inspiration to all.

• 12:05Speaker 06

  I should be, so.

• 12:07Caleb Hammer?

  You should be what?

• 12:08Speaker 06

  I should be an inspiration because like, I know so many people who got money and it was gone within like a month. And.

• 12:14Caleb Hammer?

  Whoa, your brain is so lost, okay.

• 12:16Speaker 06

  It is.

• 12:16Caleb Hammer?

  That's so, well, you realize it?

• 12:19Speaker 06

  I mean, yeah, that's why I'm here because like I realize it, but I also need help.

• 12:23Caleb Hammer?

  Past tense talking.

• 12:24Speaker 06

  Yeah, like, I mean, I realize it, I made a lot of mistakes, I one hundred percent get that. But, you know, the thing about it is, um, when it comes to my, my past choices.

• 12:36Caleb Hammer?

  What's in retirement today?

• 12:37Speaker 06

  Oh, you're gonna love this, I have nothing in retirement.

• 12:39Caleb Hammer?

  So every time I'm not gonna love something, you're gonna say you're going to love this.

• 12:43Speaker 06

  Pretty much.

• 12:43Caleb Hammer?

  That's your thing. So you literally were given the blessing of a lifetime through a tragic circumstance to essentially catch up on retirement and get to a place where all your f-ups didn't matter because someone came in and saved you. And then you decided, nope, I'm gonna f my life even more, I'm just gonna, oh, doesn't matter. Well, at least you don't have kids to worry about. Are kids in the future?

• 13:05Speaker 06

  No, absolutely not.

• 13:06Caleb Hammer?

  Why?

• 13:06Speaker 06

  Absolutely not.

• 13:07Caleb Hammer?

  That's fine, I don't care.

• 13:08Speaker 06

  Um, uh, no kids. Um, at the time I was, you know, living life and just enjoying myself.

• 13:15Caleb Hammer?

  Why are you, okay. So you got the prenup for a hundred seventy five thousand dollars, this isn't even like prenup worthy.

• 13:21Speaker 06

  So when me and my husband, we met New Year's Eve twenty nineteen and I moved with him to Virginia because he got stationed at DC in, uh, August of twenty twenty, so in the middle of covid. It wasn't until February that I got my really good job. I was really happy. And I had to like live off that money. Like I paid my, my part of the bills. I paid everything I could. Because I didn't want him to support me. I didn't need him to support me. And while that's a totally different story now, we had a prenup because of some of our past.

• 13:54Caleb Hammer?

  What?

• 13:54Speaker 06

  Finances.

• 13:55Caleb Hammer?

  What?

• 13:56Speaker 06

  My husband, his last marriage, she didn't work and she just drained the bank account. And I was like, I don't need your money. I've got my own. I'm good. Like.

• 14:03Caleb Hammer?

  But prenup, we were talking to like more divorce stuff anyway. So why does that even matter? What she was doing during?

• 14:09Speaker 06

  Uh, we're pretty much at the point where I just told him, you know, what if you buy a house, whatever, like I will walk away and I sign a piece of paper saying that. I will completely walk away.

• 14:18Caleb Hammer?

  Um. So he was protecting himself even though you were the one with the nest egg that came into the marriage?

• 14:23Speaker 06

  I mean, to be fair, he had a nest egg too, because like he makes a hundred and eighty thousand dollars.

• 14:27Caleb Hammer?

  As in had?

• 14:28Speaker 06

  I mean, my husband makes a hundred and eighty thousand dollars a year.

• 14:31Caleb Hammer?

  Said the word had. With a D.

• 14:33Speaker 06

  So.

• 14:33Caleb Hammer?

  Does he not have a nest egg?

• 14:35Speaker 06

  He does. He sold his house. He had bought a house. He sold it while we were in DC.

• 14:39Caleb Hammer?

  Okay. Was the money properly put places? Or was it blown?

• 14:44Speaker 06

  I assume so. My husband's really good with money. I am not.

• 14:46Caleb Hammer?

  You know nothing about his finances?

• 14:49Speaker 06

  I know very little.

• 14:50Caleb Hammer?

  Does he know anything about your finances?

• 14:52Speaker 06

  Oh, yes. Because.

• 14:54Caleb Hammer?

  What is this relationship that you guys have? Are you guys like, what about united goals? United goals for the household? Uh, you guys just seem like two buddies that live together. No, let's be honest. I mean, that's kind of what it is.

• 15:07Speaker 06

  To a certain extent, but.

• 15:08Caleb Hammer?

  It's a situation ship.

• 15:09Speaker 06

  It, it's really not because here's the thing.

• 15:12Caleb Hammer?

  Legal one.

• 15:12Speaker 06

  So here's the thing. So, and my husband takes really good care of me and I am like I love him to death.

• 15:18Caleb Hammer?

  Well, how does he take care of you? You guys are completely separate.

• 15:21Speaker 06

  Because I, when I send him screenshots of my account being negative every day. He like sends me money and covers it. Like he, he takes care of me.

• 15:29Caleb Hammer?

  Why would you need to be sugar daddy for my husband though? Usually marriages are partnerships where we form together in a union. And we share, we plan, we goals. But instead, he's your sugar daddy.

• 15:43Speaker 06

  We don't, we don't have.

• 15:45Caleb Hammer?

  Cause he's your sugar daddy. Is that a kink of his? Like what? Like, this is a weird relationship. You know what's wild? Most people don't even realize how much money they're wasting every single month. Subscriptions, random fees, overpriced bills. It all adds up fast. And that's.

• 16:00Speaker 00

  I don't know what I'm doing. Need a break. Forget it. I quit.

• 16:03Speaker 01

  Escape to Pluto TV.

• 16:05Speaker 02

  This is objectively fantastic.

• 16:06Speaker 01

  Relax into the movies and shows you already know and love, all for free. Shwing. Even our news is uplifting.

• 16:12Speaker 03

  You stay classy, San Diego.

• 16:14Speaker 01

  Watch Tommy Boy, Crazy Ex Girlfriend, Anchorman, The Legend of Ron Burgundy, The X-Files, Wayne's World, and so much more. We're not worthy. The best things on TV really are free. You just have to know where to look. Escape to Pluto TV. Stream now, pay never.

• 16:29Caleb Hammer?

  That's why Rocket Money, today's sponsor is a game changer. It's like having a personal financial assistant in your pocket. Here's how it works. Rocket Money connects to your accounts and instantly shows you all of your subscriptions in one spot. No more digging through emails or old bank statements. I found three I had forgotten about, including one for a streaming service I hadn't opened in over a year. Canceling them? Rocket Money made it easy. And I didn't have to deal with customer service, thank death. And that's not all. Rocket Money also keeps an eye on your bills and even negotiates lower rates for things like your internet or cable. And if budgeting feels overwhelming, Rocket Money tracks your spending and helps you stay on top of your goals. Plus, if you're trying to budget smarter, Rocket Money has got you covered.

• 17:11Caleb Hammer?

  It tracks your spending, helping you set goals, and even alerts you before upcoming charges, so no more surprise overdrafts. If I needed some assistance getting my budget on track when I was getting started, Rocket Money would have been a lifesaver. Don't keep yourself pushing off what's important. Go to rocketmoney.com/caleb or click the link in the description below to join 5 million members and try it for free. That is rocketmoney.com/caleb or head to the link below to check out Rocket Money and get on top of your finances today. This is Hardly Marriage, and a lot of people have separate finances, and I'm not going to freak out about that specifically. The way you guys are doing with the prenup, even though you guys are really, you know, it's just like, he doesn't sound like, it sounds like he does well, but I, I don't know.

• 17:52Caleb Hammer?

  And then he sends you money by you sending screenshots of your financial situation, so he can probably enable your bad behavior like a great spouse, and then.

• 18:03Caleb Hammer?

  And then you're blowing a hundred. This is so weird. You guys are so weird.

• 18:08Speaker 06

  I wasn't always bad. Like when I first got the money and everything got, you know, divided out. Um, I did pay off credit card debts twice because once wasn't enough.

• 18:17Caleb Hammer?

  Whoa, whoa, whoa. When?

• 18:18Speaker 06

  Yeah.

• 18:19Caleb Hammer?

  The dates ish.

• 18:21Speaker 06

  So the end of twenty nineteen, I paid off credit card debt.

• 18:26Caleb Hammer?

  That was your first time? It was only a few years ago?

• 18:28Speaker 06

  Oh, yeah.

• 18:29Caleb Hammer?

  How much credit card debt did you pay off in twenty nineteen to then have to do it again to then be now with negative net worth? When you were positive at that time?

• 18:39Speaker 06

  I, um, I think I was like twenty six thousand, something like that.

• 18:45Caleb Hammer?

  Okay. And then the next one?

• 18:48Speaker 06

  And then the next time I paid it off was we were in DC and I had my great job.

• 18:52Caleb Hammer?

  Date ish?

• 18:54Speaker 06

  So let's see, that was like twenty twenty one ish.

• 18:57Caleb Hammer?

  Ha, okay. So two years later.

• 19:00Speaker 06

  Yep.

• 19:00Caleb Hammer?

  Basically two years ago.

• 19:02Speaker 06

  Um.

• 19:03Caleb Hammer?

  Just became twenty twenty five. Uh, amount, amount?

• 19:07Speaker 06

  That one, cause my, I'd got more credit cards. I had like fourteen credit cards at one point.

• 19:11Caleb Hammer?

  So how was the first one paid off through the money that you got from the death of someone? How was the second round paid off?

• 19:18Speaker 06

  I called my advisor and was like, hey, I need thirty.

• 19:22Caleb Hammer?

  Advisor, I guess he has to allow you to do it if you ask him and tell him to. How, did they, did they at least push back?

• 19:29Speaker 06

  No.

• 19:29Caleb Hammer?

  On your.

• 19:30Speaker 06

  But I mean, here's the thing, just like when I was growing up, when I was in undergrad, all I had to do was pick up the phone and call my grandmother and be like, hey, mama, I need five thousand dollars and I had it.

• 19:39Caleb Hammer?

  So you've been a spoiled bitch your entire life?

• 19:43Speaker 06

  But I'm an awesome bitch to be honest. So, you know.

• 19:45Caleb Hammer?

  You might be, but spoiled as well.

• 19:47Speaker 06

  I, I mean, I, I don't, I, I don't disagree. Like I, I know I've been spoiled.

• 19:52Caleb Hammer?

  But how are we gonna make progress though? If your husband is continuing that spoilage?

• 19:56Speaker 06

  But my husband really isn't spoiling me because.

• 19:58Caleb Hammer?

  You sent him screenshots of your bank account and then he lends you sugar daddy money. What do you mean? How, what are you just, you didn't you literally, you said he's take care of you, but by take care of you is spoiling in your situation.

• 20:11Speaker 06

  I mean.

• 20:12Caleb Hammer?

  I were probably gonna have to call him on the post show.

• 20:14Speaker 06

  And let's.

• 20:15Caleb Hammer?

  Let's call him in the post show.

• 20:17Speaker 06

  Let's, let's not even forget that, um, my husband.

• 20:21Caleb Hammer?

  Oh gosh, we have to talk to this guy. We're not getting the full story. Why? And then you're here alone because you guys are completely separate.

• 20:28Speaker 06

  We are.

• 20:28Caleb Hammer?

  You guys are nothing together, not, not, no accounts?

• 20:31Speaker 06

  No.

• 20:32Caleb Hammer?

  And even like utilities?

• 20:34Speaker 06

  So, no, the like, the water bill is in my name. The electricity is in his name.

• 20:38Caleb Hammer?

  Why? This is overcomplicating.

• 20:40Speaker 06

  He just bought a house, too.

• 20:42Caleb Hammer?

  He just bought, my husband just bought, this is so weird.

• 20:46Speaker 06

  And it was an impulse purchase, too. But he did it.

• 20:49Caleb Hammer?

  People who don't even want to get married can get married and then I'm, and then I'm over here just like.

• 20:57Speaker 06

  Oh, and we had like a great wedding, too. It was great.

• 21:00Caleb Hammer?

  Sorry, you did two years ago.

• 21:02Speaker 06

  We did. We had a great wedding.

• 21:03Caleb Hammer?

  Proud of you.

• 21:04Speaker 06

  Actually, we had two weddings.

• 21:06Caleb Hammer?

  Situationship wedding.

• 21:07Speaker 06

  It was great.

• 21:08Caleb Hammer?

  Wonderful.

• 21:11Caleb Hammer?

  Okay. Well, where do you think you are in the world of finances? Self-assessed, self-assessed today, not trying to think of the past and how you justified in the past previously. Where do you think you are today? Zero to 10, zero being the worst finances, 10 being the best finances. Where do you think you are?

• 21:28Speaker 06

  We're like negative a hundred.

• 21:29Caleb Hammer?

  You, you, you, you, not we, you, you don't have a we, there's no we.

• 21:34Speaker 06

  Fine. I'm like negative a hundred.

• 21:36Caleb Hammer?

  Did you fucking hear what I said? I said zero to 10.

• 21:41Caleb Hammer?

  Let's start. Yeah, how about just rub a couple of brain cells?

• 21:46Caleb Hammer?

  You're obviously not stupid. You have a master's degree in the world of help.

• 21:51Speaker 06

  I do have a.

• 21:52Caleb Hammer?

  Please think. Where do you think you are? A sim, just where you think you are today, just where you think you are today. Assign that to the score. Zero being the absolute worst, 10 being the absolute best, five being in the middle.

• 22:05Speaker 06

  Zero.

• 22:05Caleb Hammer?

  Okay, great.

• 22:07Speaker 06

  So we're on the same page with that.

• 22:09Caleb Hammer?

  Well, I don't know. I haven't gone through this yet. If you want your Hammer Financial Score, it's free, link in the description below. See where you're assessed on your finances. Um, and if you want to come on the show, you come on the show, you're from the audience, right?

• 22:21Speaker 06

  Yep.

• 22:22Caleb Hammer?

  And from the audience, just like you guys, go ahead, apply, come be on the show, we'll have your finances, we'll have a good time. Then you get to hang out with all our production team. Have you had a good time hanging out with the people so far?

• 22:31Speaker 06

  I have.

• 22:32Caleb Hammer?

  Yeah, and the onboarding process was a simple and chill.

• 22:35Speaker 06

  It was.

• 22:35Caleb Hammer?

  Informative and all that good stuff and good. You can go through all that. That's a good time. Go to calebhammer.com/apply. We'd be happy to have you on the show and get you connected with the resources and everything as well. Which we'll set you up with, but uh let's fucking wake this up first cuz this is Yeah, this is not, we're just having the right, okay, okay.

• 22:59Speaker 06

  Oh, you're gonna love this. You're gonna have a great time.

• 23:01Caleb Hammer?

  I'm gonna have a bad time.

• 23:04Speaker 06

  You're, you're gonna have a great time, I promise.

• 23:07Caleb Hammer?

  Okay, Apple Card, we are sitting at three thousand eight hundred thirty six dollars and fourteen cents.

• 23:15Speaker 06

  Yes.

• 23:16Caleb Hammer?

  With a hundred and fifty two dollar minimum payment, you make twenty, twenty bucks an hour, so you make forty thousand dollars a year. What hits your account on a monthly basis right now? What hits your account? Do you even know?

• 23:24Speaker 06

  Twenty four hundred. And by the time I do my car payment and my debt management payment, like.

• 23:31Caleb Hammer?

  Debt management?

• 23:32Speaker 06

  Yep.

• 23:33Caleb Hammer?

  We have all this debt and we have a debt management?

• 23:35Speaker 06

  Yep.

• 23:36Caleb Hammer?

  Wait a minute, did you answer how you paid off twenty, uh twenty one's debt?

• 23:41Speaker 06

  I, I called my Raymond James and just.

• 23:44Caleb Hammer?

  Oh, you just pulled it again, so you still have money in there.

• 23:47Speaker 06

  Yeah, cuz I still.

• 23:48Caleb Hammer?

  When did we hit zero from the one seventy five? When was zero hit?

• 23:51Speaker 06

  October of twenty twenty four, so just a few months ago.

• 23:56Caleb Hammer?

  Did that not, did that not just kill?

• 24:00Speaker 06

  It did.

• 24:00Caleb Hammer?

  You, it should have, it should have killed you seeing it go down in general. Did you even know it was almost zero? Or did you call and they said there's nothing left?

• 24:08Speaker 06

  No, like I kept watch on it, I knew what was in there.

• 24:10Caleb Hammer?

  Then why'd you keep going to it instead of, like, I understand going to it the first couple of times, but then you're like, oh shit, I'm actually draining my nesting, let me fix the thing that is getting me into the place of having to take from it.

• 24:21Speaker 06

  I figured that was a future me problem.

• 24:23Caleb Hammer?

  Future use now.

• 24:24Speaker 06

  Uh, yeah, but no.

• 24:26Caleb Hammer?

  Go on, explain.

• 24:28Speaker 06

  I mean.

• 24:28Caleb Hammer?

  I would love to know that opinion.

• 24:31Speaker 06

  That's a future me problem and.

• 24:33Caleb Hammer?

  You're saying future use not now, but the future you problem that you said future you would have to deal with is now, because that's what you were saying was, I'll, I'll get once it hits zero, it's zero.

• 24:45Speaker 06

  I had, I had a sad day, uh, when that happened, but I was really proud of myself because I made it last five and a half years.

• 24:53Caleb Hammer?

  You are so, your mind is warped and fucked on that opinion, uh, because.

• 24:59Speaker 06

  That's your opinion.

• 25:04Caleb Hammer?

  Yes, when I say things, they do tend to be my opinion. Well, okay, wait, why are you so defensive out of this being proud of this thing? Because that's, that's gonna be like a big thorn between us. It is like, here's my fear, here's my fear. I'll let you explain in a second. I'll let you truly try to rationalize this the best you can. But my thing is, if you are in a position where you're proud of blowing through 175,000 hours, we'll make you 75,000 hours a year for five years, ish. I know some was a little less, you know, whatever. But even still, so like 110,000 hours a year, blowing through that, like you're living on poverty mode, and that's a congratulations thing, getting to zero. Then what happens if we get you to a good place, out of debt for the

• 25:48Caleb Hammer?

  third time, and

• 25:50Speaker 06

  Technically, for the fourth, we'll get there.

• 25:55Caleb Hammer?

  And then, let's we get your retirement on track, we get you to a big thing. If that mindset is not changed now, you blow, you blow your nest egg again. So, why are you proud of that? I can't have that be your mindset. I can't have that for this conversation. For your future, I can't have that. Your future matters, dude.

• 26:18Speaker 06

  I mean, that's all I can do, right? Because like, I can't, it's so hard to

• 26:23Caleb Hammer?

  That doesn't make sense. No, it isn't. Are you saying we can all only act in the present? No, we can act for the future.

• 26:29Speaker 06

  And that's what I'm doing. That's why I'm getting ready to go back to school and change my career. But

• 26:34Caleb Hammer?

  Really? So that's why we haven't taken the test. Oh, my gosh, you just keep leading me down rabbit holes. We, I was, I was so close to talking about this apple card.

• 26:42Speaker 06

  And let me, let me, let me, you're really gonna love this, too. So

• 26:46Caleb Hammer?

  You are, I hate that. I hate that phrase. Say that again, and I will fucking, you know, we used to have a spray bottle. We have, we use, can I, can I have a spray bottle? Because I got, I need to just like, I gotta spray that powder off of that cake off the face. This is your, this is your, this is you, dude. This is your, if you just, I hate that phrase. That phrase has annoyed me the last two times. It is aimed at you. Powder will be flying.

• 27:13Speaker 06

  So, I'm in my great job, right? So we're in DC. I got my great job in 2021, making 78,000 a year. I was so happy. Life was great. Never made that kind of money before in my life. Uh, twenty twenty two, um, my husband was getting deployed to Tampa. And, yeah, he was deployed to Tampa for six months.

• 27:35Speaker 06

  And

• 27:36Caleb Hammer?

  The right for, well, well.

• 27:38Speaker 06

  They called it deployed in place.

• 27:40Caleb Hammer?

  Okay.

• 27:41Speaker 06

  And so I had

• 27:42Caleb Hammer?

  Deployed in place or stationed?

• 27:44Speaker 06

  Yeah, he was, he was deployed in place for six months. So it wasn't like, it wasn't like a permanent thing. So I had

• 27:50Caleb Hammer?

  Terrorists in Tampa.

• 27:51Speaker 06

  Um, so basically I had a hard time in my job in twenty twenty two. And I had a lot of stuff happen like where I was working and it like really killed me. So I ended up

• 28:02Caleb Hammer?

  Well, what?

• 28:02Speaker 06

  Going out.

• 28:03Caleb Hammer?

  What vagueness? What?

• 28:04Speaker 06

  So I had my first anxiety attack on the unit because of just how the, how toxic the unit was.

• 28:10Caleb Hammer?

  What, what, you, what, what? His unit?

• 28:12Speaker 06

  Uh, no, I was working. So this is when I was working at a inpatient adolescent, uh, psych unit.

• 28:18Caleb Hammer?

  Okay. So it was too much for you working at the

• 28:20Speaker 06

  It, it, it wasn't, but it got to a point where it was. And I was the only therapist on a fifteen bed unit.

• 28:27Caleb Hammer?

  Okay. So you couldn't do that. And that's fine. So

• 28:30Speaker 06

  I, I started having anxiety attacks because of how the nurses were acting because they were, they were terrible. Um, and so my psychiatrist took me out of work and I did have short term disability. So I spent the summer of twenty twenty two flying back and forth between DC and Tampa.

• 28:46Caleb Hammer?

  Why didn't you go to Tampa?

• 28:49Speaker 06

  I had a great time. I was going to Busch Gardens like every day.

• 28:53Caleb Hammer?

  Why didn't you go to Tampa with them?

• 28:54Speaker 06

  So I was still at work. I was still working.

• 28:58Caleb Hammer?

  Yeah, but then you weren't.

• 28:59Speaker 06

  I, I wasn't, but I was back and forth.

• 29:02Caleb Hammer?

  You couldn't afford the back and forth. Why not just go there, stay there?

• 29:04Speaker 06

  Well, back then, when I had the great money, oh yeah, I could afford, like I was

• 29:08Caleb Hammer?

  You couldn't have. You drain the, you drain the account. That's not, that's not the, life will never be good again.

• 29:14Speaker 06

  Life was great.

• 29:15Caleb Hammer?

  Life was. It will never be good again.

• 29:18Speaker 06

  Will though. But then

• 29:20Caleb Hammer?

  Not with this lady.

• 29:22Speaker 06

  And then

• 29:22Caleb Hammer?

  It's, oh, I

• 29:23Speaker 06

  Math is not my strong suit. It did take me five times to get out of college algebra.

• 29:27Caleb Hammer?

  Five times?

• 29:28Speaker 06

  Yeah.

• 29:28Caleb Hammer?

  Wait, what?

• 29:29Speaker 06

  I failed it four times.

• 29:30Caleb Hammer?

  What did you fail?

• 29:31Speaker 06

  College algebra. I failed it four times and passed it the finally the last time.

• 29:34Caleb Hammer?

  Uh huh.

• 29:35Speaker 06

  So then twenty twenty two, my husband is getting ready to come back to DC. And I had quit my job and had started another one.

• 29:46Speaker 06

  And then my husband decided that he was gonna help me out and get me out of debt again. So that's, that's time number three.

• 29:54Caleb Hammer?

  So, um, let me ask you.

• 29:56Speaker 06

  A personal loan of fifty thousand dollars.

• 29:58Caleb Hammer?

  He took out a loan? I thought he's a billionaire from the sounds of it.

• 30:01Speaker 06

  He took out a personal.

• 30:03Caleb Hammer?

  Why? Does he have it? Is it, that he took it out? So, does he still have the personal loan? Does he still have the personal?

• 30:10Speaker 06

  Yeah.

• 30:11Caleb Hammer?

  And are you paying him?

• 30:12Speaker 06

  So I was, but then when he got like actually, actually deployed like overseas, I had to move. He's like, we're not staying in DC.

• 30:23Caleb Hammer?

  Now, what are you gonna say for deployment? Are you gonna say he went to fucking Berlin?

• 30:27Speaker 06

  No, he went to, um, Al-da-Fra, which is like an hour and a half from Dubai. So he was like, we're not staying in DC because rent was expensive, everything was expensive. Um, so I was like, let me move back to Mobile with my friends. I'll be happy. And I moved back and of course I got this wonderful job with a master's degree, making twenty dollars an hour. It's great.

• 30:52Caleb Hammer?

  This one? Oh, so you, you got it in Mobile and then you?

• 30:55Speaker 06

  I did.

• 30:56Caleb Hammer?

  What, what, what, what happens to, he'll fucking move again. He's moving every second of his life.

• 31:01Speaker 06

  So he is about to retire. He has put in his paperwork. He is forty-two.

• 31:07Caleb Hammer?

  Thank you so much to the tens of thousands of people who downloaded my budgeting app, Simpler Budget. It means a lot. So much so that we wanted to extend our offer. There is now an extra week left to get a thirty day trial to Simpler Budget with a thirty day free trial to Simpler Budget Premium and lifetime access to my new budget friendly.

• 31:30Speaker 01

  I don't know what I'm doing. Need a break. Forget it. I quit. Escape to Pluto TV.

• 31:35Speaker 02

  This is objectively fantastic.

• 31:37Speaker 01

  Relax into the movies and shows you already know and love, all for free. Shwing. Even our news is uplifting.

• 31:43Speaker 03

  You stay classy, San Diego.

• 31:44Speaker 01

  Watch Tommy Boy, Crazy Ex Girlfriend, Anchorman, The Legend of Ron Burgundy, The X-Files, Wayne's World, and so much more.

• 31:52Speaker 01

  The best things on TV really are free.

• 31:55Speaker 02

  You just have to know where to look.

• 31:56Speaker 01

  Escape to Pluto TV. Stream now, pay never.

• 32:00Caleb Hammer?

  Cookbook. On top of that, anyone who signs up for an annual membership right now or before February 14th, which is my birthday and renews at full price will be sent a free Founder's Edition Notebook upon renewal. All copies will be decked with our Founder's Edition stamp and the Simpler Budget logo and signed by me. Just make sure you provide us your address and your proof of purchase in the email we send you. Thanks again to everyone who's already downloaded Simpler Budget and you can download it right now for free at Calebhammer.com/app. Hey, 2,400 came in. As you said, you were pretty close. I mean, it was just slightly under, but like 20 bucks. Okay, that's fine. How much did you spend this last month?

• 32:43Speaker 06

  Um.

• 32:44Caleb Hammer?

  What did you?

• 32:44Speaker 06

  Negative. Because like I can tell you my count.

• 32:47Caleb Hammer?

  You spent negative? That doesn't make sense. So you actually, what do you mean you spent negative? As in you didn't spend more? Hey, how much did you spend this last month? How about that? How about answering the question I asked?

• 32:56Speaker 06

  How about, I don't even know because I don't even keep track of it.

• 32:58Caleb Hammer?

  Dude, your best guess. I just want to see where you assess yourself. I don't ask this for no reason. You are so complicated for no reason. What do you think you spent this last month? What do you think you spent this last month, lady?

• 33:12Speaker 06

  I don't know, like 3,000. I don't know. Take a guess. You know better than I do.

• 33:16Caleb Hammer?

  Yes, I know the fucking number. That wasn't the point. How are you this like, uh, like brick walled in the brain?

• 33:24Speaker 06

  I don't know.

• 33:27Speaker 06

  But like it's just not even.

• 33:28Caleb Hammer?

  No, no, no. So $2,400 and you say 3,000 went out. Why is it okay to spend $600 more than you make while relying on debt D?

• 33:39Speaker 06

  My husband takes care of me.

• 33:40Caleb Hammer?

  Yeah, I know that. He enables your behavior. Why is that okay? Why is that okay? Why? Now you think, why?

• 33:49Speaker 06

  Because I had my grandmother that like helped me out my whole life.

• 33:52Caleb Hammer?

  No, no, no, you're just telling me something that happened. Why do you think it's okay?

• 33:58Speaker 06

  Because it is. I mean, he's my husband.

• 34:00Caleb Hammer?

  So you have no reason? You're not able to actually answer that question?

• 34:04Speaker 06

  I'm not.

• 34:05Caleb Hammer?

  You are unable. How do you help people with their problems?

• 34:09Speaker 06

  So I do substance abuse, right? So I help people who are.

• 34:13Caleb Hammer?

  You have the substance abuse of fucking money.

• 34:15Speaker 06

  I mean, yeah, but see, when I'm in my job, we're not talking about me.

• 34:19Caleb Hammer?

  Spoiled.

• 34:20Speaker 06

  It's not, it's not all about me. It's not all about me.

• 34:23Caleb Hammer?

  You're spending and life is, you spend more than you're making to get money from Dandy.

• 34:27Speaker 06

  Yeah, he takes really good care of me.

• 34:28Caleb Hammer?

  I've stopped saying that. I'm adding that to the list, the spray bottle list. For you to say that four times, that, that, that doesn't answer a question. That doesn't benefit the fucking conversation. Also, no, also, no, you spent $4,000. And you think that's okay? Like you're some kind of mature adult. I'm glad you're not having.

• 34:49Speaker 06

  I am very mature.

• 34:52Caleb Hammer?

  Have you, have you been able to hear? The words that are happening in this conversation so far? Cause I can't allow you to believe that it's, that it's proud to spend $175,000 in five years or $110,000 a month, a year. I can't let you think that you are mature. I can't let you think that it is okay to be enabled constantly throughout your life. Cause look, we've added up while being enabled. I cannot allow you to think these things. You continue to think these things and we will not actually change it. Just like many people that come on the show, you come on the show, you see it from the audience perspective. Okay, cool. You come on the show and you think this is just gonna be a numbers game. I create the budget, you fix your problem. No. It is those three things added up so far. Those behavioral mental things, belief things.

• 35:34Caleb Hammer?

  It is those that if you do not address, you do not fix, you do not change your mindset on, you will continue down this path forever. He will not be in your corner because he'll get sick of it. You get sick of your and you'll be done dying under a fucking bridge.

• 35:50Speaker 06

  I don't think that'll happen.

• 35:53Caleb Hammer?

  Why? Because of him?

• 35:54Speaker 06

  Because he loves me. And he is like seeing me through so much.

• 35:58Caleb Hammer?

  That was not the point.

• 35:59Speaker 06

  He is seeing me through so much.

• 36:00Caleb Hammer?

  How are you taking that as the point? Why are you locking on to that is the issue? Lee, I didn't even. That wasn't the point. That wasn't the point. Just where's the? The ability to think? Where's the?

• 36:14Speaker 06

  But it's okay, because I'm gonna be a fancy lawyer one day. It's okay.

• 36:17Caleb Hammer?

  So that's the new career path. That's the question.

• 36:19Speaker 06

  Yes, I'm getting ready to take the LSAT and I'm applying to law schools. Because I originally was headed to law schools.

• 36:25Caleb Hammer?

  Hundreds of thousands of dollars into debt.

• 36:27Speaker 06

  Yeah. I'm already in, let's not.

• 36:29Caleb Hammer?

  You don't respect money. You don't understand money. You have no respect for the dollar. Look at that. You casually blow a hundred ten thousand dollars a year and you think that is like you living on poverty, like living on twenty thousand dollars a year? Now you're gonna go hundreds of thousands of dollars a year into debt for school and you're like, that's nothing? And you're not even good with stressful jobs. Good luck lawyering.

• 36:51Speaker 06

  I am really good with stressful jobs. Um, I'm gonna disagree with you there. But you know.

• 36:56Caleb Hammer?

  You told me your story and you wanna leave this job and everything.

• 36:59Speaker 06

  But I wanted, I've always wanted to do better, right? So basically in twenty twenty two.

• 37:03Caleb Hammer?

  Better, but you're not doing it in a smart way. Sorry.

• 37:05Speaker 06

  In twenty twenty two.

• 37:06Caleb Hammer?

  Oh, is this another fucking story time? Are we going down Story Central?

• 37:09Speaker 06

  Yes.

• 37:10Caleb Hammer?

  Well, Story Central?

• 37:11Speaker 06

  So in twenty twenty two, it was great because I decided I wanted to get my.

• 37:16Caleb Hammer?

  Everything was great in the past. Everything's out, right?

• 37:18Speaker 06

  And then I wanted to get my CID, so I was gonna go be a psycho- psychi- psychologist. Um.

• 37:25Caleb Hammer?

  Uh huh.

• 37:25Speaker 06

  Yep, I was gonna go on. And then now I applied for school in San Antonio. And I did not get in, but they offered me a spot in their master's program. So I accepted. And I went to class one day and it was like, I'm burned out. I'm done. I, I, I don't, I don't wanna do it. So then I got back to my roots because when I started undergrad, I was headed to law school. Like that, I, I, that's why my, my undergrad is criminal justice. I was headed to law school. And then I had people in my corner who just pretty much just told me I couldn't do it. They told me how hard the LSAT was, how hard it is to get into law school and all this other stuff. Just basically like you can't do it, right?

• 38:10Speaker 06

  So now I'm about to show everybody what I

• 38:13Caleb Hammer?

  You're not gonna show anybody. You've never accomplished anything in your life. You're a complete failure at thirty fucking nine.

• 38:18Speaker 06

  Not a complete failure.

• 38:19Caleb Hammer?

  That's brutal and rude, but it's what you need to hear.

• 38:23Speaker 06

  Not a complete failure.

• 38:24Caleb Hammer?

  You are just using school as an escape, as a vessel, as a way to not work, as a way to not confront your issues, as a way to not act mature.

• 38:35Speaker 06

  I could be worse.

• 38:36Caleb Hammer?

  What is this, the Infinity Stone Collection of Financial Audit? Could be worse. Haven't heard that in a second.

• 38:42Speaker 06

  Yeah, it could be worse.

• 38:43Caleb Hammer?

  Yes, it could. Everything could-

• 38:44Speaker 06

  I could be addicted to so many things.

• 38:46Caleb Hammer?

  That, you didn't even break the rule. You're just pissing me off. Yes, but it's not about that. Why? Is because I could be on my 600 pound life, you think it is okay that I have this? Objectively, no, I am not a healthy person. I am objectively not gonna live as long as other people. If I have this, I do not have as much energy as other people. I am objectively unhealthy. Just because it can be worse and I could be what Tammy was on fucking Thousand Pound Sisters does not mean I am in a good health position. Why, why you're using now, instead of just using school, now you're using that as a way to justify you being okay. You're probably using, listen, you lost a hundred pounds and that's great, but you probably use the concept or the fact that you lost

• 39:31Caleb Hammer?

  a hundred pounds as because that's a big goal and big milestone as a justifier for why you don't think you might need to lose more weight. You're still objectively unhealthy. You are, you know, when fucking another pandemic rolls around, who are the people that died? It was the people like you and me. The thick dudes, the dudes with tits, or in the old people. Just because you lost a hundred pounds doesn't mean you are still in a good spot. You are not. You are likely to die if something happens like that and you're not as likely to live past the age of 70. It's as simple as that.

• 40:02Speaker 06

  That's fine, because I don't have the money to live past 70.

• 40:04Caleb Hammer?

  That's not the point, though. You don't have to be defensive. That is not the point. That is not the point. It is the fact that just because you are not the worst does not mean you are good. That's not how the math works. That's not how the equation works. Don't allow that to be an excuse and enablement of yourself to be in this position and continue bad behavior.

• 40:28Speaker 06

  But it's gonna be okay, cuz I'm only like a hundred and twenty thousand dollars in student loan debt.

• 40:32Caleb Hammer?

  Right now?

• 40:33Speaker 06

  It's okay, yeah. The other student loan debt will be a future me problem. It's fine.

• 40:37Caleb Hammer?

  But future, you, oh, so are you going back to school to avoid having to pay on the hundred twenty thousand dollars right now?

• 40:44Speaker 06

  No, I, oh, I've been in forbearance and all that. I have never made a student loan payment. Yeah, I've been into ferment, like I've been all, all the programs you can get.

• 40:51Caleb Hammer?

  No, no, no. Are you in forbearance or deferment?

• 40:53Speaker 06

  Forbearance.

• 40:57Speaker 06

  Because I send them, because I send them my paycheck stubs saying, hey, I'm too poor. I can't pay this. I have a six-figure degree.

• 41:04Caleb Hammer?

  Yeah, what if the new administration doesn't give a about that?

• 41:07Speaker 06

  I don't know what I'm gonna do then.

• 41:09Caleb Hammer?

  Yeah, it's future you problem.

• 41:10Speaker 06

  Yeah, it is.

• 41:11Caleb Hammer?

  As in like next month. As in literally next month.

• 41:16Speaker 06

  We'll figure it out.

• 41:16Caleb Hammer?

  I know nothing about the new Department of Education head. Future nominated.

• 41:21Speaker 06

  I mean, my payments, when they tried to get me to pay was like over a thousand dollars a month payment.

• 41:24Caleb Hammer?

  Yeah, and listen, I'm not necessarily against you being on an income based thing or getting forgiveness if you work for a nonprofit. I'm not against that. It's the fact that you just consider it to be nothing and future your problem. Like, that's why we're just never gonna get anywhere. Like, again, through here, it's just an Apple bill, an Apple bill, Dutch Bros, Apple bill, Apple bill. What are all these things? Fourteen thirty-one, eight forty-five, six forty-eight, four dollars and thirty-two cents through Apple bill. What the is that? What possibly even is that? What is it? Why?

• 41:49Speaker 06

  Probably games or.

• 41:51Caleb Hammer?

  Gems? Gems in your phone? You're gemsing it up?

• 41:54Speaker 06

  No, not quite. Probably like stuff from Apple Music, probably.

• 42:00Caleb Hammer?

  Well, what else can you get from Apple Music that's not the subscription? None of these are the subscription.

• 42:05Speaker 06

  So I have, I've bought stuff from, oh, TikTok. I have bought like stuff to contribute.

• 42:11Caleb Hammer?

  And then you use Apple Pay for that? Contribute?

• 42:14Speaker 06

  Like, yeah, I've got like psychic readings and stuff like that.

• 42:17Caleb Hammer?

  That's contribute? What, huh?

• 42:18Speaker 06

  Yeah, cuz like you send them money, right? And they will like tell you your future.

• 42:22Caleb Hammer?

  Why'd you say contribute?

• 42:24Speaker 06

  Because like I contribute to their like fun, like they're gonna have money, right? I don't have money, but they're gonna have money.

• 42:30Caleb Hammer?

  You're okay with not having money and it's, I think one of the reasons that you're able to say that and one of the reasons why you have the mindset on the student loans and everything that you've said so far because your grandma enabled you, then your man's enabled you, you've only ever been enabled, you've never had to actually worry about the consequences of money because someone else has always bailed you out, been bailed out three times. I hope for your, I don't want you to get a divorce from a love reason, but I need at some point for someone to not take care of you so you actually finally learn. You need to go through what a lot of 18 year olds learn, but at 39. Cause this is a joke, more than two decades later. Come on. Oh, and then Apple Store $179? What the is this?

• 43:15Speaker 06

  Um, oh yeah, I got new AirPods.

• 43:18Caleb Hammer?

  Oh, thank, thank goodness.

• 43:20Speaker 06

  I needed them.

• 43:20Caleb Hammer?

  You can hear things.

• 43:21Speaker 06

  I need them. Yeah, I need them.

• 43:23Caleb Hammer?

  Okay. Uh, interest charged this month alone was 84 bucks. Last, last year, almost a thousand dollars in interest. It's at 26.74% interest rate.

• 43:33Speaker 06

  It's a great interest rate, isn't it?

• 43:37Caleb Hammer?

  Well, what do you think a good interest rate is?

• 43:38Speaker 06

  Like three, four, something like that. My car loan is at six.

• 43:42Caleb Hammer?

  I said 26.74.

• 43:44Speaker 06

  But I mean, like, yeah, it could have been, it could have been worse. I've seen people with like 30% interest.

• 43:48Caleb Hammer?

  No, it's just, it's like you, it's like if you, if you don't value the dollar, it's like, what's going to give you the motivation to get out of this?

• 43:56Speaker 06

  I mean, I'm motivated now. Like I'm trying to go and like better myself.

• 43:58Caleb Hammer?

  But why? You just made a joke about the interest rate.

• 44:01Speaker 06

  I mean, like, what do you want me to, like, I can't change this right now.

• 44:03Caleb Hammer?

  Yeah, but why, why, why, why, why be stupid about it though in the conversation?

• 44:08Speaker 06

  I mean, like, I can't change it like right this moment.

• 44:10Caleb Hammer?

  Yeah, but why be stupid about it in the conversation? Do you not know how to answer questions correctly?

• 44:16Speaker 06

  Hmm, I do.

• 44:17Caleb Hammer?

  Then do it. Try.

• 44:19Speaker 06

  I don't know. So here's the thing.

• 44:22Caleb Hammer?

  What generation of inbred are you?

• 44:25Speaker 06

  So here's the, here's the thing. So

• 44:27Caleb Hammer?

  Not gonna answer that one either.

• 44:29Speaker 06

  With my Apple monthly payment. So Apple was one of the ones that I did not, um, close when I went into debt management. That one and my

• 44:39Caleb Hammer?

  Why?

• 44:40Speaker 06

  So my debt management said that there was a couple they couldn't work with and Apple was one of them. And I'm like, that's fine. I'll keep that one. And I had somewhat paid it off. And then of course I needed it for gas and groceries and stuff trying to contribute. And cause I, I try to contribute when I can, but now I've used up all my credit cards and I just can't contribute to the house.

• 45:00Caleb Hammer?

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• 45:42Caleb Hammer?

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• 46:27Speaker 06

  So now I'm on my husband's Amazon account and I like using this stuff.

• 46:30Caleb Hammer?

  What is your car that you have? Is this the one? You talked about the Nissan?

• 46:33Speaker 06

  So, no, I had a Nissan. I have a Lexus now.

• 46:36Caleb Hammer?

  You have a fucking Lexus?

• 46:38Speaker 06

  I do. I have a 2022 Lexus.

• 46:40Caleb Hammer?

  Is it outside?

• 46:41Speaker 06

  It is. So.

• 46:42Caleb Hammer?

  Okay, well, let's take a look, because you are spending $764 a month on this. Let's fucking take a look at this thing, because this better be the nicest fucking car I've ever seen in my life.

• 46:51Speaker 06

  It is.

• 46:51Caleb Hammer?

  Oh, let's fucking see that, huh? All right, let's go for a field trip. For $700, for $764 a month, this better be.

• 47:00Speaker 04

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

• 47:30Caleb Hammer?

  The nicest damn car I've ever seen. That's an insane amount of the payment for somebody who makes $240, $2,400.

• 47:36Speaker 06

  But when I got it, I wasn't, like, I was making good money when I got it.

• 47:40Caleb Hammer?

  Okay, how much were you making when you bought this?

• 47:41Speaker 06

  Seventy-eight thousand. I got it when I was in DC, and I got it when the car market was doing so well. My other car appreciated $14,000. And so I put that as a down payment. I did.

• 47:59Caleb Hammer?

  Which one is it? Because I don't see one nice car out here.

• 48:03Speaker 06

  You must not have one.

• 48:04Caleb Hammer?

  I do.

• 48:06Speaker 06

  You must not have one.

• 48:06Caleb Hammer?

  How expensive's your car?

• 48:08Speaker 06

  My car, I got it, it was sixty-one.

• 48:12Caleb Hammer?

  Yes, my car is more expensive. Is that, is that, are we jerking off over car prices?

• 48:16Speaker 06

  But like, I love my car. I'm so, like, it's the only car that I ever got without my grandmother's help.

• 48:20Caleb Hammer?

  Zoom in on the white thing.

• 48:22Speaker 06

  It's, it's like the only car I've ever got without my grandmother's help or anybody's help. Like, I did it.

• 48:27Caleb Hammer?

  How the fuck old did your grandmother?

• 48:29Speaker 06

  She was ninety-one when she passed away.

• 48:32Speaker 06

  She had a great life.

• 48:34Caleb Hammer?

  She did not help you. Grandma did not help you. She did not set you up. If that's the first car you've ever bought without someone help and you're in your mid to late 30s. That's a joke. You are an adult. Actually, you know, I honestly thought that maybe you're just being like, oh, maybe I'm a little nervous of the camera. Maybe this is my, I'm trying to give my thoughts on the past, past and why I justified it back then. But you're not making any adult decisions in your 30s. You are like mentally in terms of your understanding of money and life progress. An actual child in a 39 year old's body. Just in, in terms of your maturity and mentality on that stuff, on that stuff.

• 49:15Speaker 06

  Oh yeah, like it, I mean, my grandmother was amazing. All I had to do was pick up.

• 49:19Caleb Hammer?

  Amazing, but she did not actually help you.

• 49:22Speaker 06

  I just had to pick up the phone and tell her, hey, mama, I want a new car.

• 49:25Caleb Hammer?

  She got a Lexus SUV, no offense, even for the nicest brands, let's call it Lamborghini. The SUV still just look like a normal SUV. So it's just like, what was the point? You should could have got, you could have got a just.

• 49:38Caleb Hammer?

  Subaru something. I don't know. Toyota. No, it doesn't matter. It would be the, it looks the same from the outside to everyone else. Sure. It's a little nicer on the inside, but.

• 49:49Caleb Hammer?

  Also you can't afford it. This is.

• 49:52Speaker 06

  But when I got it.

• 49:53Caleb Hammer?

  When you got it, yes, but we sometimes, oh, I don't want to say all this, but sometimes when our income changes, our income goes down, when things happen, just you know, here and there. We do something called, uh, change our expenses, you know, adjust our budget.

• 50:06Speaker 06

  I got rid of everything.

• 50:07Caleb Hammer?

  Last time you ever, ever made a budget in your life.

• 50:09Speaker 06

  Oh, I've never made a budget. I like, I've never had to.

• 50:12Caleb Hammer?

  Okay. But guess you, because of the enablement. Oh my, you're spoiled. It's like, what will this conversation accomplish is kind of what I'm wondering then, like of your net income that's 31. Thirty two, that minimum payment is thirty two percent of your net income. That's crazy going to a car payment. The money guy rule, money guy rule, my boys Brian and Bo over at Money Guy, love their YouTube channel, very educational, very good. That's eight percent of gross income. I'm gross, I mean, you're probably going down from thirty two to what, maybe twenty five or something, but even still, you're beyond over. Plus, I doubt, well, how long is your term? Because their rule is three years. How long was your term?

• 50:55Speaker 06

  So I did five and then I refinanced it.

• 50:58Caleb Hammer?

  Refinance, why? Didn't you get one where it's at the bottom?

• 51:02Speaker 06

  So I had a cosigner to help me out to get like-

• 51:06Caleb Hammer?

  Because you can't do anything on your own. You just bragged about how you did that car on your own.

• 51:09Speaker 06

  Well, I did, like, I put all the finances-

• 51:11Caleb Hammer?

  Yeah, but you had to cosign because you couldn't get approved for a loan because your finances-

• 51:14Speaker 06

  I could get approved for a loan, but I wanted a better interest rate.

• 51:18Caleb Hammer?

  What's your interest rate now?

• 51:20Speaker 06

  Six point three.

• 51:21Caleb Hammer?

  Okay, it's not like, look, yeah, look, look at this great, whatever. Okay.

• 51:28Speaker 06

  But my first car loan I ever had was like sixteen percent.

• 51:30Caleb Hammer?

  So you're thirty two thousand eight hundred thirty nine dollars seventy two cents. And how much did you put down again versus the purchase price?

• 51:37Speaker 06

  Seventeen thousand dollars. The purchase price was fifty eight seven.

• 51:40Caleb Hammer?

  Okay, so you're, yeah, I mean, you hit their twenty five percent rule. Our boy Jake has the value of the car.

• 51:46Speaker 06

  And I think that, I think that it's actually like I have equity in it.

• 51:50Caleb Hammer?

  It's pulling it right now, but when does the term expire again?

• 51:55Speaker 06

  Like twenty twenty nine, I think.

• 51:58Caleb Hammer?

  No offense, it did not look that nice. Neither does mine, for what it's worth. I mean, it's just, they're SUVs. SUVs never look, they're never the nice looking car of the brand that is a nice brand.

• 52:10Speaker 06

  But it's Lexus.

• 52:11Caleb Hammer?

  What does that mean?

• 52:12Speaker 06

  It's Lexus.

• 52:14Caleb Hammer?

  That literally means nothing to me.

• 52:16Speaker 06

  It means a lot to me, though.

• 52:18Caleb Hammer?

  Why?

• 52:19Speaker 06

  Because like, it's the first car, because after my grandmother died, I almost bought a Jag, almost, but I didn't.

• 52:25Caleb Hammer?

  Why would I want you to buy a midlife crisis car?

• 52:28Speaker 06

  I'm not, I was gonna get-

• 52:29Caleb Hammer?

  That's what the like retired, kind of, lower middle class-

• 52:35Caleb Hammer?

  Guy gets at the end of the cul-de-sac is a Jaguar. Like, what are you talking about?

• 52:39Speaker 06

  Maybe that'll be my next one.

• 52:41Caleb Hammer?

  Jaguar, they're not even cool. What?

• 52:42Speaker 06

  But I'm happy with my Lexus. I love that car.

• 52:45Caleb Hammer?

  That's great. You have a Lexus of forty thousand dollars a year. It's crazy. The purchase price of that car was twenty thousand dollars more than you make in a year. Gross.

• 52:53Speaker 06

  But I got rid of everything that I had when I did debt management. Like, I got rid of everything except my car and my purse.

• 53:01Caleb Hammer?

  Purse?

• 53:01Speaker 06

  Yeah, I have a Louis.

• 53:03Caleb Hammer?

  Huh?

• 53:03Speaker 06

  I have a Louis Vuitton. That I bought when I was making good money.

• 53:09Caleb Hammer?

  So when you make, so, cause i- if I even try to get your income up.

• 53:14Caleb Hammer?

  If I try to get your income up, it doesn't even it matter, cause you just spend the money. You have your lifestyle, inflate yourself up to the rooftop. So that wouldn't even do anything if we get you to, you have to budget. Please do a few things with the resources we provide you. Go through our budgeting class for free, actually build it. Go, I would go through it with the husband as well. But why not? You get it for free. Make him go through it as well. Go take the quizzes, do the education, build out the budget, stick to it. Go through the debt class so you can understand this debt, the debt management process you went through, the good debts to utilize. Then eventually go through our investing ones. You don't up another massive nest egg the next time you build one up. Go through it all. You get it all for free. You guys get it for fifteen percent off when you bundle all of them together.

• 53:56Caleb Hammer?

  Or if you're a part of, um, our simpler budget app, which, download your simpler budget app. Download that, build your budget in it, it automatically pulls from your accounts. It's a simple app. It's what you need, just the basics.

• 54:09Speaker 06

  How do you budget negative then?

• 54:11Caleb Hammer?

  Huh?

• 54:12Speaker 06

  How do you budget? Cause like, obviously, I have more going out than I have coming in. Like, how do you budget?

• 54:17Caleb Hammer?

  We'll look at the end and see if that's possible. Sometimes you do need more income, depending if you've pushed yourself too far. But use the simpler budget app. Okay?

• 54:26Speaker 06

  Okay.

• 54:27Caleb Hammer?

  And then sit down with a domain financial advisor. It's the people I use, it's the people our audience use. They get a free session. You get a free session. Sit down with them. Please utilize our resources. I'm giving you this. I've partnered with them for a reason. For you as the guest. Okay? Well, we built the budgeting app, but even so, you get it for free for a lifetime. Also, you never sent us the VIN for your car as we requested in order to get the value of your car.

• 54:53Speaker 06

  I thought it was on the, um.

• 54:55Caleb Hammer?

  It's not.

• 54:56Speaker 06

  AutoNation sent me an email this morning telling me that like I have value in my car.

• 54:59Caleb Hammer?

  Okay, what did it say it was worth?

• 55:01Speaker 06

  Um, it, I had like five, forty five hundred dollars equity, which I mean, isn't much, but it's better than being upside down.

• 55:08Caleb Hammer?

  So it said it was worth like thirty eight thousand?

• 55:09Speaker 06

  Mm-hmm.

• 55:09Caleb Hammer?

  Okay, good.

• 55:11Speaker 06

  Which, I mean, that's about right.

• 55:12Caleb Hammer?

  I agree. You're gonna sell it.

• 55:14Speaker 06

  No, I'm not.

• 55:16Caleb Hammer?

  Then this conversation's done.

• 55:19Speaker 06

  I mean.

• 55:20Caleb Hammer?

  No, no, no.

• 55:22Caleb Hammer?

  If you're not willing to do the most basic thing, this is as much as your income, this conversation is done.

• 55:29Speaker 06

  But it's not, here's the thing.

• 55:30Caleb Hammer?

  No, no, no, you know, you don't understand what I'm saying.

• 55:33Speaker 06

  I do understand. I do understand.

• 55:34Caleb Hammer?

  If you're not willing to do that, there is no point of continuing this conversation.

• 55:38Speaker 06

  There is. Here's the thing.

• 55:39Caleb Hammer?

  What does your husband think about this car?

• 55:40Speaker 06

  So my husband tried to get me to sell it last year.

• 55:44Caleb Hammer?

  Then there is no point of continuing this. We haven't filmed this long enough to make this an episode, but there is no point of continuing this. Do you not understand that?

• 55:52Speaker 06

  So here's the thing.

• 55:54Caleb Hammer?

  No, you, no. Why are you not able to fucking talk?

• 55:57Speaker 06

  Because if, uh, let's say I, let's say I sell it, right?

• 56:01Caleb Hammer?

  Please be willing to sell this. Please be willing to sell this. If you don't, if you don't, I can't continue the, I will not allow myself to continue this conversation if you are not open to the idea of selling this and getting rid of what I think is your largest debt. You have to. You have to. Because you'll have four thousand dollars of equity. You're gonna sell it. Very good. You take that four thousand dollars, maybe we borrow six thousand, you get a ten thousand dollar car.

• 56:24Speaker 06

  Ew.

• 56:25Caleb Hammer?

  Yes. Ugh, your class is bitch. And then all of a sudden, you pay that off as quick as you can. And then, and then we save up, we save up, we save up after we have a six month emergency fund and we're contributing to retirement to try to get us to a place where you have the chance to retire when you're able to take from the taxable retirement funds in twenty years without any penalties. And we save beyond that. We cut back some from some fun and you get yourself a newer, nicer Lexus.

• 56:52Caleb Hammer?

  Which we can get you to if you follow our fucking plan. I am not willing to continue this conversation if you're not willing to sell the car.

• 56:59Speaker 06

  Oh, that's it. So I have to talk to my debt management program because like I can't do, I can't open like any credit stuff.

• 57:05Caleb Hammer?

  Oh.

• 57:06Speaker 06

  So because that's been, that's been the problem.

• 57:09Caleb Hammer?

  Yeah, what we would have to do in that context, then if that's like the last debt to pay off, we'd have to save up like six thousand dollars, sell the car, then roll that six thousand dollars we saved up and the four thousand dollar equity position into a ten, ten thousand dollar cash car. Which is honestly even better if we're able to do that. Okay. Are you open to that?

• 57:25Speaker 06

  Yes.

• 57:26Caleb Hammer?

  Okay.

• 57:28Caleb Hammer?

  Then I'm willing to continue the conversation. So this is a Bank of America Royal Caribbean card?

• 57:33Speaker 06

  Oh, yeah. We, we cruise.

• 57:36Caleb Hammer?

  Cool. Why doesn't the guy with money pay for it?

• 57:38Speaker 06

  Oh, he does. I just got approved for the credit card with them.

• 57:43Caleb Hammer?

  Why if he's paying for it?

• 57:45Speaker 06

  Because here's the thing, I kept getting approved for credit cards, right? After he paid off all the debt, I kept getting approved for credit cards. And it just felt so good to keep getting approved. So I just kept applying and kept applying and kept applying and kept applying. And here we go.

• 57:56Caleb Hammer?

  You are a child, you are a child, you are a child. You're a fucking child. You're an infant. You do not have the.

• 58:02Speaker 06

  And we're going on a Virgin cruise because that's what I got my husband for Christmas in August.

• 58:09Caleb Hammer?

  You got him that, how much did that cost?

• 58:11Speaker 06

  So I only had to pay the deposit and the deposit was like five hundred dollars and I put that on the firm.

• 58:15Caleb Hammer?

  What would you spend two thousand dollars more than you make? I, you put it, oh, you put it off.

• 58:18Speaker 06

  I put it on the firm.

• 58:20Caleb Hammer?

  Oh, oh, don't have the, because I'm fat, the energy to.

• 58:28Caleb Hammer?

  You're so lucky. There have been people in your life who are willing to baby you. I'm not willing to do that. I'm willing to give you resources that make you go into work and make you, that you have to work for to benefit from.

• 58:39Speaker 06

  But I did everything like growing up, my grandparents told me, go to school, get your degree and you will be fine.

• 58:46Caleb Hammer?

  Get your degree? They didn't say get a degree that'll actually return on its value?

• 58:50Speaker 06

  No.

• 58:50Caleb Hammer?

  Okay, then go and dig them up and slap them.

• 58:53Speaker 06

  I miss my grandmother.

• 58:54Caleb Hammer?

  I bet. I, I love mine like crazy. I get it. I get it. She sounds great. She sounds enabling, but not in an, not in an, not in an intentionally bad way.

• 59:05Speaker 06

  Oh, she was always like, she was always there for me, like 100%. She was more like my mom.

• 59:09Caleb Hammer?

  In, in ways that have hurt you, yes. Not again intentionally to hurt you. She was doing what she thought was best. It was bad. So what's the 523 out on this? 546, sorry. 546, 49.

• 59:25Speaker 06

  Um, gas, groceries, and-

• 59:27Caleb Hammer?

  I have a Royal fucking Caribbean card? You have applied for the Royal Caribbean card, bought a Virgin thing on fucking stupid Afterpay, whatever.

• 59:38Speaker 06

  A firm is great.

• 59:39Caleb Hammer?

  Firm.

• 59:39Speaker 06

  Cause it's so easy like I can-

• 59:40Caleb Hammer?

  Why do we, why do you like that so much if you've had to go through various forgiveness methods over the past three, three, now looking at four over

• 59:56Caleb Hammer?

  over five years, plus draining, okay.

• 1:00:01Caleb Hammer?

  Draining a nest egg. Why do you like debt so much? Cause it has clearly put you in situations where you've had to beg.

• 1:00:09Caleb Hammer?

  Beg on your knees like a dog.

• 1:00:12Speaker 06

  Hmm, not exactly. I mean, I've just had people who were just there and they just willingly helped.

• 1:00:18Caleb Hammer?

  Yeah, but they learned about it somehow. You ever feel like you're just burning money on car insurance? That used to be me every single month, throwing cash out the window for a plan I didn't even understand. Listen, if you haven't compared your car insurance rates in a while, you're possibly getting played. I'm talking about paying way more than you need to. Luckily, money.com has got you covered by helping you compare multiple car insurance options all in one place. So you don't have to waste your time calling 15 companies like it's 1995. You might take a look and find out you've been overpaying by hundreds of dollars. Hundreds! It can take just minutes to find a better rate. They'll give you options to compare side by side, whether you need full coverage, liability, or just want to pay

• 1:01:00Caleb Hammer?

  less for the same plan you already have. So if you're tired of getting burned by fees, click the link in the description to check out money.com and compare car insurance options. Stop paying more than you have to. It's super easy and you could bump up your monthly savings rate. That's a win-win. This is a paid endorsement sponsored by money.com, which is compensated by its marketing partners.

• 1:01:19Speaker 06

  I mean, yeah, like I tell my husband, hey, you know, I'm, I'm in trouble with my bank and I need money and he's like-

• 1:01:28Caleb Hammer?

  Money, so you're asking for money. You don't understand that you

• 1:01:32Speaker 06

  But my husband has it like he makes great money.

• 1:01:34Caleb Hammer?

  You have a disgusting, I'm sure you're a very nice person outside of the world with just this financial conversation in general. But you have a disgusting attitude and mindset towards debt. You're addicted to debt. You are confused about debt. You don't understand the value of a dollar. You just get enabled on every single turn. Listen. On here, you purchase forty six dollars. So you're purchasing more money than you put towards it. It's a thirty five dollar minimum payment, but you purchased forty six dollars and twenty five cents. And then eleven dollars and thirty four cents of interest accrued. How long does this take to pay off if you just do your minimum payments with no other purchases? No other purchases?

• 1:02:06Speaker 06

  Probably, I'm guessing probably a year, I was thinking.

• 1:02:10Caleb Hammer?

  Nineteen months.

• 1:02:11Speaker 06

  So I wasn't too far.

• 1:02:12Caleb Hammer?

  Nineteen months for five hundred forty six dollars without purchasing and you can't not purchase. With the fucking targeting, got donuts and cosmetics and Peach Wave frozen yogurt. Trust me.

• 1:02:24Speaker 06

  Oh, yeah.

• 1:02:24Caleb Hammer?

  That's not cutting the cows that much.

• 1:02:26Speaker 06

  We love Shipley's.

• 1:02:30Caleb Hammer?

  What was the point of the weight loss surgery?

• 1:02:31Speaker 04

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

• 1:03:01Caleb Hammer?

  Getting fucking Shipley's.

• 1:03:03Speaker 06

  So.

• 1:03:03Caleb Hammer?

  Endlessly, not one time.

• 1:03:05Speaker 06

  No, yeah, it is endlessly. So, um.

• 1:03:08Caleb Hammer?

  What is the point?

• 1:03:09Speaker 06

  Yeah, this far out from weight loss surgery.

• 1:03:11Caleb Hammer?

  Hundreds of dollars of interest this year.

• 1:03:12Speaker 06

  So.

• 1:03:13Caleb Hammer?

  Wait, wait, wait. You lost a hundred. What have you gained?

• 1:03:15Speaker 06

  I've gained like twenty five back and my doctor has me on Wegovy. And I was having to pay for that out of pocket in Virginia, but now insurance is covering it. So I don't have to pay anything for it.

• 1:03:23Caleb Hammer?

  Wegovin it up? That's okay. But again, unless you treat it like the way you got through the debt and management. Listen, those can be again, a good tool, but the people who do not fix their behavior, fix their eating habits. The moment you're done taking it or you just get used to your different levels, you're gonna still gain weight.

• 1:03:43Speaker 06

  Which is kinda like what's happened, but you know, like I'm, I'm getting there.

• 1:03:47Caleb Hammer?

  You're, you're, you're, you're someone who does not, who will never change in life. You don't care enough.

• 1:03:54Speaker 06

  I do care.

• 1:03:55Caleb Hammer?

  No, not enough. Not, not enough. No, you, come on. You know budgeting. You know budgeting would help. Yet you have never made a budget.

• 1:04:04Speaker 06

  How do you budget when you have more going out than you do coming in?

• 1:04:08Caleb Hammer?

  You don't know where it's going because you haven't made a budget.

• 1:04:11Speaker 06

  Okay, well then I need to know how to make a budget then. Okay, fine. Let's do that.

• 1:04:15Caleb Hammer?

  You could have.

• 1:04:16Speaker 06

  But at the end of the day, like I've been doing the best I can with what I have.

• 1:04:19Caleb Hammer?

  No, no, not even a single fucking chance you've been doing the best you can. You don't know what the best you can even is. Don't even use that phrase. Shut the fuck up.

• 1:04:29Speaker 06

  You, you just don't get it. Like you just don't get it. Like what would you do if you were making twenty dollars an hour? Like what would you do? Like, how would you feel?

• 1:04:37Caleb Hammer?

  How would I feel?

• 1:04:38Speaker 06

  Yeah. How would you feel if you busted your ass to get a master's degree, only to come out making twenty dollars an hour?

• 1:04:45Speaker 06

  Cause like, here's the thing, like.

• 1:04:47Caleb Hammer?

  Hold on.

• 1:04:47Speaker 06

  I'm doing everything I can to like keep my head above water, right?

• 1:04:50Caleb Hammer?

  Twenty-five an hour for the longest time.

• 1:04:52Speaker 06

  I did too.

• 1:04:53Caleb Hammer?

  So what do you mean? I don't know what it feels like. I did that for years. What are you talking about? Of course I know that.

• 1:04:58Speaker 06

  It just, it sucks and like, I'm here because like, I don't know.

• 1:05:01Caleb Hammer?

  Throw it at me. What are you projecting on? Of course I know what it's like. I did that.

• 1:05:05Speaker 06

  It sucks.

• 1:05:06Caleb Hammer?

  No, I didn't get a master's degree, but I was actually like forty percent of Americans who dropped out of college and still had forty thousand dollars for it in debt. Like what are you talking about? I'd say that's even worse. You had a better opportunity. So shut the fuck up.

• 1:05:18Speaker 06

  But it's really not.

• 1:05:19Caleb Hammer?

  It's not a competition.

• 1:05:20Speaker 06

  I'm in six-figure debt for a master's degree that is just not paying off.

• 1:05:24Caleb Hammer?

  Utilized degree to try to get a job. It doesn't have to be necessarily in your industry. It doesn't make it easier. Yes. But during the great job market of COVID, you could have almost got any job that you want, as long as you could demonstrate relative skills.

• 1:05:36Speaker 06

  Which is how I got my like hospital job and I love that job. I love that job. And you know, I had just gotten my Virginia temporary license when we had to move. Like I got it.

• 1:05:46Caleb Hammer?

  Oh, this Hilton honors card is insane. I don't need another fucking story. This Hilton honors card's insane.

• 1:05:52Speaker 06

  So part of that is my husband's fault. Part of that.

• 1:05:55Caleb Hammer?

  What the guy with the money? How would it be his fault? Tell me.

• 1:05:57Speaker 06

  So when he bought the house, of course, he bought a brand new house and it didn't have your washer, dryer, refrigerator. And of course, when you're buying a house, you can't, you know, put anything on credit. You can't do anything. So.

• 1:06:10Caleb Hammer?

  Wait, while you through the process of the loan getting approved, you mean? Yes.

• 1:06:14Speaker 06

  So we went to Home Depot.

• 1:06:17Caleb Hammer?

  Four hundred thirty one dollars a month?

• 1:06:20Speaker 06

  Yep.

• 1:06:22Caleb Hammer?

  We're done. We're done. We're done.

• 1:06:24Speaker 06

  Yep. And that's not even. You see, you see the interest rate and you see like how much interest is being charged.

• 1:06:31Caleb Hammer?

  So you, what, why? Okay. So he wanted to get what again?

• 1:06:35Speaker 06

  We got, we got a washer, dryer and refrigerator. It was like.

• 1:06:38Caleb Hammer?

  But he was gonna do and he was gonna put it on his credit, but he couldn't because he's in the process.

• 1:06:41Speaker 06

  So.

• 1:06:41Caleb Hammer?

  Cool. So why didn't he give you the money then to pay this off?

• 1:06:45Speaker 06

  So the deal was, I was like, you know what? I want to contribute. Let me pay half. So we put it on my credit card. And um.

• 1:06:52Caleb Hammer?

  Marriage.

• 1:06:52Speaker 06

  He, he gave me his part and I paid, I paid the two thousand um toward the card. And then of course I can't pay my, my part, right? Cause like, I don't have it. Um, so that's where we are.

• 1:07:05Caleb Hammer?

  No, what? That's where we are? Wait, did I miss something? You paid your two thou- who owes the twelve thousand four hundred forty seven?

• 1:07:11Speaker 06

  That's, that's me. I owe it.

• 1:07:13Caleb Hammer?

  So what, what, what was?

• 1:07:15Speaker 06

  So, oh, and I want to also let you know that on that card, I had a friend that needed help getting a car. So I put a two thousand dollar down payment on her car for her to help her out. And she said she's gonna pay me back. Like, we've been friends for over ten years.

• 1:07:33Caleb Hammer?

  When was that?

• 1:07:34Speaker 06

  Um, August of twenty twenty three.

• 1:07:39Caleb Hammer?

  Three? Three?

• 1:07:41Speaker 06

  Yes.

• 1:07:45Caleb Hammer?

  You're not getting your money back.

• 1:07:47Speaker 06

  I mean, she sent me like a hundred dollars.

• 1:07:50Caleb Hammer?

  Oh, and you idiot just give someone money. You took out a loan on her behalf. Ah, this card last year alone accrued three thousand two hundred dollars of fucking interest. Somehow you actually made the minimum payment, but three hundred and ten dollars of interest accrued. Three hundred and ten dollars of interest accrued. For fuck's sake, this is insane.

• 1:08:14Speaker 06

  But I'm getting a lot of Hilton Honors points and I get to stay at Hilton properties.

• 1:08:17Caleb Hammer?

  What do you mean Hilton Honors points? You're not making any purchases.

• 1:08:20Speaker 06

  So, um, all the purchases that I have made, I have like a hundred and fifty one thousand Hilton Honors points.

• 1:08:25Caleb Hammer?

  What does that convert to on a dollar amount?

• 1:08:27Speaker 06

  Hmm, I don't know, because I think it's like one and a half points per and like when I was making good money, I like use that card all the time and paid it off.

• 1:08:35Caleb Hammer?

  Forty thousand four hundred and fifty five points.

• 1:08:37Speaker 06

  I was like doing great. I was doing great.

• 1:08:40Caleb Hammer?

  What does that equal in like dollar amounts?

• 1:08:44Speaker 06

  A point and a half, a lot.

• 1:08:49Speaker 06

  But yeah, so we came a couple of weeks ago to Austin and we spent the night in one of the Hilton properties for free because of all my points. And we're going to Boston in April.

• 1:08:58Caleb Hammer?

  Yeah, but you spend more than that when you go on travel. You're eating, you're doing shit.

• 1:09:01Speaker 06

  My husband pays for all that.

• 1:09:02Caleb Hammer?

  You better. What about the flight?

• 1:09:04Speaker 06

  My husband pays for all that. My husband pretty much pays for everything.

• 1:09:07Caleb Hammer?

  I will allow you to do that. However, you should spend the time working instead.

• 1:09:10Speaker 06

  My husband pays. My husband pays everything. Like, I literally can't.

• 1:09:13Caleb Hammer?

  That's objectively not true. We've looked at this. I've seen your spending.

• 1:09:16Speaker 06

  He, he pays, like when my account bounces, he, he covers electricity, water. We just got a puppy. He paid for the puppy. He paid for vet bills, like, um, in part on that American Express card. Um, that one and care credit and credit one.

• 1:09:31Caleb Hammer?

  Oh, fuck, credit one?

• 1:09:33Speaker 06

  Um, I had to, I had to put vet bills on there because my dog, my older dog got really sick.

• 1:09:38Caleb Hammer?

  Pet insurance, like a responsible pet parent?

• 1:09:41Speaker 06

  Um, I've heard bad things about pet insurance, so that's why I didn't do it. People are saying that.

• 1:09:45Caleb Hammer?

  Hey, I think I heard things about you just had to put your pet stuff on a credit card. So I think pet insurance would have been better.

• 1:09:51Speaker 06

  Maybe.

• 1:09:53Caleb Hammer?

  Uh, okay. Uh, by the way, uh, each point, one Hilton Honors point is worth point zero zero six cents.

• 1:10:09Caleb Hammer?

  You said it was worth a dollar and fifty cents each point?

• 1:10:14Speaker 06

  I think.

• 1:10:15Caleb Hammer?

  You're fucking like, not only entitled, you're a little stupid on, you don't understand your finances. Not stupid in the world, but stupid in finances.

• 1:10:27Speaker 06

  I mean, I've done the math.

• 1:10:30Caleb Hammer?

  You have two hundred and forty-three dollars in points. That's what you got from all that? It accrues five hundred dollars a month in interest, a month. You got two hundred and forty dollars in points one time.

• 1:10:44Speaker 06

  But that's two hundred and forty dollars that like I get to go stay somewhere.

• 1:10:47Caleb Hammer?

  No, no, no. You're losing double that on a monthly basis. That could be going to stay in somewhere twice.

• 1:10:53Speaker 06

  I like to travel.

• 1:10:55Caleb Hammer?

  This must be the consolidation loan.

• 1:10:57Speaker 06

  Yes, that's all my debt management and they, they did help me with a lot of the interest rates on a lot of them, as you can see.

• 1:11:05Caleb Hammer?

  But it says current APR is twenty-five percent. So that's your good interest rates?

• 1:11:08Speaker 06

  On the, next to that, the DMP APR, like it shows you like what they got it down to.

• 1:11:12Caleb Hammer?

  Huh? Your current payment's a thousand dollars a month?

• 1:11:15Speaker 06

  So.

• 1:11:16Caleb Hammer?

  You're done. You're done.

• 1:11:17Speaker 06

  My.

• 1:11:18Caleb Hammer?

  Bankruptcy.

• 1:11:19Speaker 06

  My debt management, oh, I almost filed bankruptcy. I tried to a few months ago.

• 1:11:22Caleb Hammer?

  But it doesn't matter, because what happened, hey, what happened? Why did you have to? Um, you got your debt paid off once by taking from the retirement. Why'd you have to pay off debt a second time after that?

• 1:11:35Speaker 06

  Because I didn't learn my lesson the first.

• 1:11:36Caleb Hammer?

  There you fucking go. So if you have to do this a fourth time, you're not, if you declare bankruptcy right now, you're gonna be in bankruptcy in two years. That is your trend. You actually answered it, answer correctly for the very first time. And if you're able to acknowledge that, no! You don't get debt forgiven. You don't do this. You don't fucking do things until you are able to actually change your behavior. Because if you get to a point where you're actually getting help, but you don't change your behavior, you end up here for the fifth fucking time.

• 1:12:03Speaker 06

  No, I think this time is gonna be.

• 1:12:04Caleb Hammer?

  So what's different, huh? Tell me with words and logic.

• 1:12:08Speaker 06

  So because I'm making my, my debt management payments, they'll be done in a few years. And these next few years.

• 1:12:15Caleb Hammer?

  You're gonna be in your mid-forties, zero dollars in retirement. What a joke. Life together in our forties, what a fucking joke. What a joke.

• 1:12:23Speaker 06

  I'm gonna have some retirement.

• 1:12:24Caleb Hammer?

  No, it's a joke. It's a joke. It's a joke.

• 1:12:27Speaker 06

  I'm gonna have some retirement though.

• 1:12:28Caleb Hammer?

  How?

• 1:12:29Speaker 06

  I mean.

• 1:12:30Caleb Hammer?

  You're, you're saying things, but you're not able to back them up with anything.

• 1:12:34Speaker 06

  So my long-term goal is, once I get out of law school.

• 1:12:38Caleb Hammer?

  Oh, that's fucking, that's right, that's right. Hundreds of thousands of dollars to go for law school.

• 1:12:43Speaker 06

  Cause I mean, that's why I'm trying to get really good on the LSAT, because that means I can get scholarships. So law school won't be so much. Cause you know, law school's like, super expensive.

• 1:12:51Caleb Hammer?

  I know, law school's like, super expensive.

• 1:12:53Speaker 06

  Fifteen to thirty thousand dollars per semester.

• 1:12:55Caleb Hammer?

  Uh huh.

• 1:12:57Speaker 06

  And I sure don't have that kind of money laying around.

• 1:13:00Caleb Hammer?

  You don't have.

• 1:13:01Speaker 00

  I don't know what I'm doing. Need a break. Forget it, I quit.

• 1:13:04Speaker 01

  Escape to Pluto TV.

• 1:13:06Speaker 02

  This is objectively fantastic.

• 1:13:08Speaker 01

  Relax into the movies and shows you already know and love, all for free. Shwing. Even our news is uplifting.

• 1:13:14Speaker 03

  You stay classy, San Diego.

• 1:13:15Speaker 01

  Watch Tommy Boy, Crazy Ex Girlfriend, Anchorman, The Legend of Ron Burgundy, The X-Files, Wayne's World, and so much more. We're not worthy. The best things on TV really are free. You just have to know where to look. Escape to Pluto TV. Stream now, pay never.

• 1:13:30Caleb Hammer?

  Any money laying around.

• 1:13:32Speaker 06

  I don't. I have negative money rolling around, so it's kind of where we are.

• 1:13:36Caleb Hammer?

  Fix, but you're not.

• 1:13:38Speaker 06

  I'm, I'm, I'm gonna fix it.

• 1:13:40Caleb Hammer?

  I'm gonna, everything is gonna, gonna, gonna. Your entire life has been gonna, but you've never gonnaed. You've never gonnaed, meaning now, you, you were gonna when you were, when you were twenty, you said, I'm gonna. And then when you were twenty-five, you said, I'm gonna. When you're thirty, you said, I'm gonna. Thirty-five, gonna. You're almost forty and you haven't gonnaed once.

• 1:13:56Speaker 06

  Because I'm too busy. Like, I do a lot of things for other people, right?

• 1:13:59Caleb Hammer?

  You work forty hours a week. Shut the fuck up, busy.

• 1:14:01Speaker 06

  So, on one of those credit cards-

• 1:14:02Caleb Hammer?

  You don't have any kids? Shut the fuck up, busy.

• 1:14:04Speaker 06

  One of, one of those credit cards, I bought my mom a three thousand dollar scooter. Um, because we were getting ready for our Disney wedding, and-

• 1:14:12Caleb Hammer?

  Disney wedding? You're a fucking Disney wedding? That can't be cheap.

• 1:14:16Speaker 06

  It, it, it actually was.

• 1:14:18Caleb Hammer?

  What's cheap? You don't know the value of a dollar.

• 1:14:20Speaker 06

  So, we did-

• 1:14:21Caleb Hammer?

  That just sounded like Beetlejuice. What?

• 1:14:23Speaker 06

  We did a Disney Cruise wedding, and the package was only like, forty-five hundred dollars.

• 1:14:27Caleb Hammer?

  The whole thing?

• 1:14:28Speaker 06

  For just the wedding package, and then our cruise fare was, I'd like, twenty-five hundred, I think.

• 1:14:34Caleb Hammer?

  But then you have to get things like, and, uh, he had to get suits, and you had to get like a-

• 1:14:38Speaker 06

  He had a custom-made suit.

• 1:14:40Caleb Hammer?

  And what, did you, you must've, did you have a custom wedding dress to go with it?

• 1:14:43Speaker 06

  So, I didn't have a custom dress, but I did have a couture, ten thousand dollar wedding dress.

• 1:14:51Speaker 06

  And then we took pictures at Disney when we got back and that was $3,000. But my husband paid for that. I didn't pay for that.

• 1:14:58Caleb Hammer?

  And the dress?

• 1:15:00Speaker 06

  So I paid for my dress.

• 1:15:01Caleb Hammer?

  How? How? How? How? With what money? How? What money? How?

• 1:15:08Speaker 06

  So when we were in DC, this is when I was making good money. That's how I was able to afford the dress. The original-

• 1:15:13Caleb Hammer?

  No, no, no, no, no. You don't get a $10,000 just dress, one part of the multi-thousand dollar wedding, good value wedding. You don't get to do that with 75,000 dollars a year. You don't know. It's because you pulled through retirement fund. It's because you pulled through the [__] nest that was given to you from, was it grandma? Was grandma the one that gave us the money? Did she give your mom money?

• 1:15:30Speaker 06

  Mm-hmm.

• 1:15:30Caleb Hammer?

  Okay, then why the [__] do you have to buy your mom a little scooter mobile?

• 1:15:34Speaker 06

  Because my mom apparently didn't have any money left.

• 1:15:37Caleb Hammer?

  You both do.

• 1:15:40Caleb Hammer?

  You both are the same. I didn't have an audit with her.

• 1:15:43Speaker 06

  You do.

• 1:15:44Caleb Hammer?

  How old is she? Generational incest. What?

• 1:15:48Speaker 06

  She's like 63.

• 1:15:50Caleb Hammer?

  Is she morbidly obese?

• 1:15:51Speaker 06

  Mm-hmm.

• 1:15:52Caleb Hammer?

  So is, that's why she's get, like-

• 1:15:56Speaker 06

  She can't, she's got a lot of health problems.

• 1:15:58Caleb Hammer?

  Which is what happens if we get morbidly obese in our 60s. You're headed into your 40s.

• 1:16:02Speaker 06

  She's got knee problems. She's got-

• 1:16:03Caleb Hammer?

  Which is what happens when you're morbidly obese.

• 1:16:05Speaker 06

  She's got all kinds of problems.

• 1:16:06Caleb Hammer?

  Which is what happens when you're morbidly obese.

• 1:16:09Speaker 06

  So, and because her scooter broke like the weekend, two weekends for our wedding.

• 1:16:13Caleb Hammer?

  Probably because she's morbidly obese.

• 1:16:15Speaker 06

  And, yeah, so I bought her a scooter and she was gonna pay me back and she didn't.

• 1:16:20Caleb Hammer?

  Oh, oh, that hasn't happened ever in your entire [__] life. Oh.

• 1:16:27Caleb Hammer?

  I just threw my thing, my, the only thing helping me through this episode.

• 1:16:30Speaker 06

  It was, it was great because like we had our great wedding and the pictures were great.

• 1:16:36Caleb Hammer?

  Where's the debt for that 10,000? Or you said, you had to have taken out, you either took out debt for the wedding dress or, or you paid for it in cash and then all the other things that you normally buy with cash, you put it on debt.

• 1:16:46Speaker 06

  So I didn't. So basically, um, they had-

• 1:16:49Caleb Hammer?

  Went on debt somewhere in some way.

• 1:16:51Speaker 06

  I, I didn't though, because when I was in DC, this was when I was making great money.

• 1:16:54Caleb Hammer?

  You were making great money for DC.

• 1:16:57Speaker 06

  I, so I didn't have to pay for it all at once. I had to put a deposit down and then I just made payments. Like every time I got-

• 1:17:04Caleb Hammer?

  That is a debt, you sh-

• 1:17:06Speaker 06

  But I didn't, I didn't put it on a credit card.

• 1:17:08Caleb Hammer?

  That is still debt. You, what, you think credit card's the only debt? I'm-

• 1:17:22Speaker 06

  But I didn't go into debt.

• 1:17:23Caleb Hammer?

  You, you, you just, we, we just defined it. Yes, you did.

• 1:17:26Speaker 06

  But I didn't put it on a credit card.

• 1:17:28Caleb Hammer?

  That, there, there, there are more debts out there than a credit card.

• 1:17:31Speaker 06

  I disagree, but okay.

• 1:17:37Speaker 06

  But debt, debt to me is just on a credit card, right?

• 1:17:40Caleb Hammer?

  But, but, but that's not true. That's just one of those endless things in this conversation that I need you to change your mind on. Why, why come on the money show? The money show where we talk about this and, and I say something's a debt and you say, that's not true.

• 1:17:54Speaker 06

  So I guess for the longest time I've kind of been in denial.

• 1:18:00Speaker 06

  And I really do want to change. I just don't know how.

• 1:18:03Caleb Hammer?

  Uh, maybe start with listen to me.

• 1:18:07Speaker 06

  Okay.

• 1:18:07Caleb Hammer?

  Someone who's done it and has helped many thousands do it.

• 1:18:13Speaker 06

  But my wedding dress was so pretty.

• 1:18:14Caleb Hammer?

  I get it. These are the sacrifices we make. We do the sacrifice game when we're getting out of debt. We give up some of the things that we want. Not saying you can't have the wedding, but maybe we're not getting a $10,000 dress in the wedding. Listen.

• 1:18:30Speaker 06

  And that was the second wedding dress I bought too. I had a dress, when we eloped in Vegas, I had a dress for that too.

• 1:18:35Caleb Hammer?

  You were already married?

• 1:18:36Speaker 06

  Mm-hmm. We eloped before he went to Tampa.

• 1:18:40Caleb Hammer?

  And yeah, you guys really aren't married anyway, so maybe we need to have a third one. $2,352 owed on this card. With a $80.96 minimum monthly payment. You have to be receptive to this stuff for me to continue. Are you receptive?

• 1:18:58Speaker 06

  Yes.

• 1:18:59Caleb Hammer?

  Promise?

• 1:19:00Speaker 06

  100%.

• 1:19:01Caleb Hammer?

  $2,352.93.

• 1:19:07Caleb Hammer?

  Uh, oh, it's American Airlines Advantage. Gosh.

• 1:19:12Caleb Hammer?

  Don't say any words.

• 1:19:14Speaker 06

  I really don't fly with them. I fly with Southwest mainly.

• 1:19:17Caleb Hammer?

  Well, I'm glad we have $2,352 and 93 cents of debt that we're giving them $80 and 96 cents of minimum monthly payments for a [__] one we don't use.

• 1:19:27Caleb Hammer?

  For fees, we had fees, $90 fee, it must be a plan fee, and then $403 of interest accrued last year.

• 1:19:36Caleb Hammer?

  Capital One quicksilver.

• 1:19:38Speaker 06

  Oh, yeah, I have that credit card.

• 1:19:41Speaker 06

  It sat empty for a long time.

• 1:19:42Caleb Hammer?

  Your stomach's yelling at me.

• 1:19:44Speaker 06

  Is it?

• 1:19:45Caleb Hammer?

  It keeps going. Are you okay?

• 1:19:47Speaker 06

  Yeah.

• 1:19:47Caleb Hammer?

  You about to re all over the [__].

• 1:19:50Speaker 06

  No.

• 1:19:51Caleb Hammer?

  $701.56 of the $25 monthly payments, $607 purchase, $17.17 of interest, Target.

• 1:20:01Speaker 06

  Oh, yeah.

• 1:20:01Caleb Hammer?

  What is happening to you? You are seriously dying. I don't think the mic's picking this up, but are you [__] transitioning into a creature?

• 1:20:09Speaker 06

  No.

• 1:20:09Caleb Hammer?

  Are you about to, did you take the substance before this? Are you becoming your greater and better self in front of my eyes?

• 1:20:16Speaker 06

  I think so.

• 1:20:17Caleb Hammer?

  Okay. $134 of interest, here's credit one. Credit one [__] sucks. You know, you're in the bottom of the barrel. That's, that's.

• 1:20:25Speaker 06

  So I've had that card since 2015.

• 1:20:29Caleb Hammer?

  Yeah, by the way.

• 1:20:30Speaker 06

  For like a long time.

• 1:20:31Caleb Hammer?

  Fun fact, close all your accounts right now. Boom, there it is. Got it. Instruction number one, you said you wanted help, there's your help. Okay, you got it?

• 1:20:39Speaker 06

  I got it.

• 1:20:40Caleb Hammer?

  Okay, it's almost maxed out.

• 1:20:43Speaker 06

  I mean.

• 1:20:44Caleb Hammer?

  $100 of interest.

• 1:20:45Speaker 06

  You can't act surprised.

• 1:20:46Caleb Hammer?

  No, I'm not surprised by anything. Listen to your language, listen to how your behavior, listen. If you're gonna use your credit card, you can use a debit card called the Fizz Card in our resources section, just like everything else. It's a debit card, but it builds credit and you still get the rewards, but you can only spend what is in your checking account. Okay?

• 1:21:05Speaker 06

  But I like the buy now, pay later.

• 1:21:06Caleb Hammer?

  I know you do. It has not worked out. Your stomach is still making sounds.

• 1:21:11Caleb Hammer?

  Raymond James, what is this? Hundred, wait, what is this? Hundred ninety one thousand?

• 1:21:15Speaker 06

  That was my, um.

• 1:21:16Caleb Hammer?

  Oh, this is what it was. Look what it could have been. No, no, no, no, no, no, no, no. It wasn't a hundred seventy five. It was deposited two hundred twenty six thousand. You had fifty thousand more than you even told me. You blew through a quarter million dollars. You blew through a quarter million dollars. This would change everybody's life. There, you have to get to like a hundred millionaire status for a quarter million dollars, not to matter at that point. This would change everyone's life, from the producer's life to your life, to the person on the street, to my life. And I've been blessed enough to be pretty darn successful. A quarter million dollars is life changing. You can do so much with that. You know how much I could grow this business with a quarter million dollars just hidden right now?

• 1:22:01Speaker 06

  I was supposed to get more.

• 1:22:03Caleb Hammer?

  I'm glad you didn't, because it would be gone. You're a spoiled brat.

• 1:22:07Speaker 06

  I think I would have kept it.

• 1:22:09Caleb Hammer?

  What? How can you say that? You went through a quarter million. You're so defensive for no reason. You're so, there's, there's no suggestion. There is no suggestion that.

• 1:22:26Speaker 06

  You okay over there?

• 1:22:26Caleb Hammer?

  We have to do law school? Because again, there's no point. What, if we make a plan, it doesn't make sense to go into law school. That'll be a full time job, making zero dollars and going into debt.

• 1:22:35Speaker 06

  No, law school, I'm doing part time and it's online.

• 1:22:39Caleb Hammer?

  So what is that going to take? Ten years?

• 1:22:41Speaker 06

  It takes four instead of three.

• 1:22:43Caleb Hammer?

  How part time is that really then?

• 1:22:45Speaker 06

  So you do classes Monday, Wednesday, Friday.

• 1:22:49Caleb Hammer?

  How are you going to be able to work?

• 1:22:51Speaker 06

  So my job, I work five AM.

• 1:22:54Caleb Hammer?

  You hate your job.

• 1:22:55Speaker 06

  I do, but I'm gonna have to hold on to it. Like, that's, that's why I'm, I'm, I'm having to stick it out. It's like, I literally don't have any other choice.

• 1:23:02Caleb Hammer?

  No, you, you really don't. You really don't. You, you really don't. Maybe you should get an accounting certification through Course Careers. There are boys that you can put on resumes, just, yeah, and more resources. I just want to give you access to everything, but at least it'll teach you how to make accounts. Just go through a budgeting program, that'll be good. Actually, never mind, you're doing law school, you don't need that. Maybe we'll gift one to the audience.

• 1:23:27Caleb Hammer?

  I did not expect this. I just didn't. I didn't know what to expect. I really thought this conversation was basically like we've hit the bottom of the barrel. There's no way you ended with negative $587 in your checking account. This is a joke. You are 39, but you're acting like you're 13.

• 1:23:46Speaker 06

  But it's gonna get better.

• 1:23:47Caleb Hammer?

  I, I, I, I'm.

• 1:23:49Speaker 06

  It's, it's gonna get better.

• 1:23:52Speaker 06

  Like it's, it's gonna change like today.

• 1:23:53Caleb Hammer?

  Jake, for a second, I'd like you to gla- grab her slider and take it to zero if, if you would be so kind. Your participation in this conversation is no longer required. Shut the up.

• 1:24:10Caleb Hammer?

  But. You're not being picked up right now. You have no audio. You're muted. You're done.

• 1:24:15Speaker 06

  But it's not even.

• 1:24:16Caleb Hammer?

  You're not being picked up right now. You're not even being picked up right now. Not even fair. You blew through a quarter million dollars. There's no fair. Let me, I want to help you. You keep saying you want help, but then you hit me with just the most childish, immature thing. You're door dashing. You're fucking dashing. Apple Cash, Apple Cash, PayPal, Dutch Bros, Pizza Hut, Sirius XM, Sirius X. We're not in the fucking 2005. What are you doing? PayPal, Starbucks? You're not being picked up. You're not a part of this conversation. You're not being picked up. They can only hear me. Alta Legion, the PayPal, PayPal, PayPal, PayPal, Mama Margies.

• 1:24:52Caleb Hammer?

  Oh, there's an overdraft of $35. Shut the up lady. Bath and Body Works, Wisely Idiots. You're not being picked up. No one can hear you. You can tell me whatever you want. No one will hear it. PayPal, Pizza Hut, Netflix, Discovery, overdraft fee, overdraft fee, overdraft fee for this month so far. Disney, Disney, Disney Mob? What the is a Disney Mob? PayPal? They still can't hear you, so I don't give a. Overdraft fee, overdraft fee, overdraft fee. So what do we have? Four, five, six, seven? Oh, seven overdraft fees in one month? I, I, I, oh, seven hundred and seventy dollars of overdraft fees this year so far.

• 1:25:30Caleb Hammer?

  There's, I'm, I'm, I'm, I, I, I, I, I, you can, you can bring her up, you can bring her up, you can turn, you can turn, oh. Maybe I shouldn't allow.

• 1:25:40Speaker 06

  But you don't even, like, I'm doing the best I can with what I have now, right? Like, I can't go back.

• 1:25:45Caleb Hammer?

  actively not with your health or your finances or anything. So that's, I, I don't mean it to bring it back to that, but it's just another example of our lives. I'm not doing the best I can on the health, but I'm acknowledging that and I'm, I'm willing to acknowledge that. But I'm doing the best I can on my finances and I have, and I fixed my life. If I don't acknowledge things, if you're just living in dilution, you're never gonna get anywhere. Listen, if I build a budget, it doesn't matter. You're gonna go to law school and the law school's gonna cost more than anything. We can't build you a budget. There's, there's nothing to be done here and they hate it when I don't build a budget and so do I, but it's just like.

• 1:26:18Speaker 06

  We can build a budget.

• 1:26:19Caleb Hammer?

  We can build a budget, there's not a point.

• 1:26:21Speaker 06

  Coming in, I still have money coming in, like, I'm still gonna have my job.

• 1:26:23Caleb Hammer?

  Well, okay, well, that's.

• 1:26:24Speaker 06

  And, and let's not forget that I'm gonna have student loans coming back too.

• 1:26:28Caleb Hammer?

  Huh?

• 1:26:29Speaker 06

  I'm gonna have student loans coming back.

• 1:26:30Caleb Hammer?

  Back?

• 1:26:31Speaker 06

  Yeah, cuz like in, in my grad school, I took out the, the max I could every semester so I could have like money coming back so I could.

• 1:26:38Caleb Hammer?

  Let's film the post show. That's, that's, that I can't, I can't deal with that logic. Sit down with the resources we gave you, maybe they can get across from you in a different way. I've actually tried to be more chill in this and just like give it to you cuz usually sometimes I think people need the wake up call, so I go intense, but you, you're just, you're lost. Your mindset on this is so broken and you thought this show would fix you by it being a number problem. It's not. Your, your, your maturity levels, your view on this is so out of whack that it is done, that is done. And this is your fucking neighbor coworker, everyone's apparently psychologist too. This is your fucking, listen.

• 1:27:12Speaker 06

  I'm gonna be a lawyer, it's okay. I'm gonna be a lawyer.

• 1:27:14Caleb Hammer?

  I hope so. I hope so.

• 1:27:16Speaker 06

  And then I can come help you one day.

• 1:27:18Caleb Hammer?

  Yes, you might be good at your job. You are bad at finances and you are not willing to listen and you're being unproductive. You're not. You're not. You're simply not. Your worldview and everything is wrong. Your worldview and everything is wrong. Stop it, stop it, stop it. or um um inbred and if you want our come join us in the post show we'll at least have a more good time there I'll get out of the bad mood because we can just have more fun but usually we we learn about something crazy that Lindsay knows that I don't know because Lindsay knows everything about their lives and uh join the elite for more value there's a call in show where you can call in and you can talk to me and get my take on your situation whatever it is if it's life if it's drama if it's you know if it's

• 1:28:02Caleb Hammer?

  finances join elite see in the financial auto post show my name's Caleb how are you

• 1:28:07Speaker 07

  I'm well

• 1:28:07Caleb Hammer?

  she's been bailed out bailed out bailed out

• 1:28:10Speaker 07

  her car payment fell through and I'm thinking my car just sent $500 yesterday so

• 1:28:14Caleb Hammer?

  her car payment fell through today

• 1:28:16Speaker 07

  she got a cosign with her ex

• 1:28:18Caleb Hammer?

  when she was married with you she brought her ex to cosign

• 1:28:20Speaker 07

  yeah

• 1:28:21Caleb Hammer?

  this is to watch the financial audit post show click the join button below

• 1:28:29Speaker 01

  I don't know what I'm doing need a break forget it I quit escape to Pluto TV

• 1:28:34Speaker 02

  this is objectively fantastic

• 1:28:36Speaker 01

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• 1:28:53Speaker 02

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