I Can't Do This Anymore | Financial Audit

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

• 0:01Speaker 00

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• 0:30Speaker 01

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• 0:42Speaker 02

  Pricing participation may vary. Promotion pricing may be lower than meal pricing.

• 0:45Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. You annoy the [bleep] out of me.

• 0:53Speaker 04

  I want to be a stay-at-home mom. That is my goal.

• 0:55Caleb Hammer?

  You have a kid?

• 0:56Speaker 04

  No, I don't.

• 0:57Caleb Hammer?

  The [bleep] are you staying at home for?

• 0:58Speaker 04

  I told him next year I would like to have a baby.

• 1:00Caleb Hammer?

  You're sitting at home. You're not working. He's the only one making income.

• 1:04Speaker 04

  I'm very excited about it.

• 1:05Caleb Hammer?

  What the [bleep] is wrong with your girlfriend? [bleep] going into debt? Yeah, she wants you to [bleep] blow her up with your [bleep] so she can pop out a kid.

• 1:14Caleb Hammer?

  Download my budgeting app today and take control of your money once and for all. And for a limited time only, sign up for the annual version of Premium and get my cookbook and notebook signed and mailed directly to you. Link in the description and pinned comment below.

• 1:28Speaker 04

  Hi, my name's Kimberly. I'm 25, from New Braunfels, Texas, and this is Financial Audit.

• 1:34Caleb Hammer?

  Thanks for coming up to Austin. What do you do down there for a living?

• 1:37Speaker 04

  I am an office manager at an electric company.

• 1:41Caleb Hammer?

  Very cool. What do you make?

• 1:43Speaker 04

  Monthly or...

• 1:45Caleb Hammer?

  Yeah, sure.

• 1:46Speaker 04

  Um, $3,600.

• 1:48Caleb Hammer?

  $3,600. Is that what hits your account net?

• 1:50Speaker 04

  Yes.

• 1:51Caleb Hammer?

  Okay. So $3,600, New Braunfels, smaller town, in between two major metros. It's kind of running between Austin and San Antonio. So you get a little bit of the price bleed there, but it's certainly not as expensive as a place like Austin.

• 2:03Speaker 04

  For sure.

• 2:03Caleb Hammer?

  How you living? How are things going? How you doing $3,600?

• 2:08Speaker 04

  It's fine. It's fine. It could always be better, of course, but, um... I think, um...

• 2:16Speaker 04

  Obviously not if I'm here, but.

• 2:18Caleb Hammer?

  Yeah.

• 2:20Speaker 04

  I pay my bills.

• 2:23Caleb Hammer?

  Well. Heard a lot of people say that and then I find out, no. But, okay.

• 2:31Speaker 04

  Okay.

• 2:31Caleb Hammer?

  You pay your bills, so that's, I guess, yay, we did that.

• 2:35Speaker 04

  Yeah.

• 2:36Caleb Hammer?

  Okay, so what's the struggle?

• 2:38Speaker 04

  I guess just making it towards the end of the week with.

• 2:44Caleb Hammer?

  Do you mean the end of the week?

• 2:46Speaker 04

  Cause I get paid every week, like I'm salary.

• 2:48Caleb Hammer?

  Then how do you pay your bills if you're struggling to make it to the end of the pay period?

• 2:51Speaker 04

  Because I just.

• 2:51Caleb Hammer?

  Which is only a week.

• 2:52Speaker 04

  Yeah, I know, because of the weekends, that's what gets me.

• 2:58Speaker 04

  I like to go out.

• 2:59Caleb Hammer?

  What, are there like two bars in that town? What do you mean?

• 3:01Speaker 04

  I come to Austin, I go to San Antonio, I'm in the middle, I get to go out.

• 3:07Caleb Hammer?

  Great, okay.

• 3:09Speaker 04

  So I pay all my bills and then after that, whatever is left is bar money.

• 3:15Caleb Hammer?

  So you drain to zero every week?

• 3:18Speaker 04

  Most of the week, most weeks, I, yeah, most weeks, if I'm being honest.

• 3:22Caleb Hammer?

  What are you trying to live to? What, what are you trying to do?

• 3:25Speaker 04

  I, I want to be a stay at home mom, that is my goal, that's what I want. I don't want.

• 3:31Caleb Hammer?

  Do you have a kid?

• 3:32Speaker 04

  No, I don't.

• 3:33Caleb Hammer?

  What the fuck are you staying at home for?

• 3:35Speaker 04

  Well, I want, eventually, that's, I need to pay off everything I have.

• 3:38Caleb Hammer?

  Do you have someone to make a kid with?

• 3:39Speaker 04

  I do.

• 3:40Caleb Hammer?

  Okay, what's the status of that?

• 3:42Speaker 04

  We've been together for five years, um, we live together. So, I mean, he has to finish school and then.

• 3:51Caleb Hammer?

  Having a kid?

• 3:52Speaker 04

  I told him next year I would like to have a baby.

• 3:54Caleb Hammer?

  And are you, what did he say?

• 3:56Speaker 04

  Let him finish school.

• 3:57Caleb Hammer?

  When does he finish school?

• 3:59Speaker 04

  The end of this year.

• 4:00Caleb Hammer?

  So earlier then?

• 4:02Speaker 04

  Yeah. Wait, well, the end of this year.

• 4:04Caleb Hammer?

  What is he gonna be making?

• 4:06Speaker 04

  I don't know, he's going, oops, sorry, he's going for computer science at Texas State right now, so. And then after that, he's either gonna look in Dallas or Austin and then.

• 4:17Caleb Hammer?

  Yeah, I mean, computer science is good, I don't know, getting out of potentially your financial position, maybe he's borrowing for school. For doing all that, you're sitting at home, you're not working, he's the only one making income, it's not 1950. Um, I mean, is it?

• 4:33Caleb Hammer?

  Does it mathematically make sense at that time? Okay.

• 4:35Speaker 04

  Well, not right now.

• 4:36Caleb Hammer?

  You want to be a stay at home mom, even though the only thing you caught like a child is a beer bottle. Um, interesting.

• 4:43Speaker 04

  Yeah.

• 4:44Caleb Hammer?

  So that's gonna be a big lifestyle change. You wanna have a kid, but you can't not go out and blow the rest of your money for a week?

• 4:50Speaker 04

  I.

• 4:51Caleb Hammer?

  So what are we talking about?

• 4:52Speaker 04

  I can not go out. I just.

• 4:54Caleb Hammer?

  But you actually only go out and drain it to zero and do nothing but that. So what do you mean?

• 5:01Speaker 04

  They want to.

• 5:02Caleb Hammer?

  Your friends will want to when you have a kid.

• 5:04Speaker 04

  And then I'll be like, I have a kid. When I have a kid, it's different.

• 5:08Caleb Hammer?

  They won't invite your kid. They'll invite you.

• 5:11Speaker 04

  Hopefully.

• 5:11Caleb Hammer?

  And your husband will have been at work doing, uh, work. So he probably won't want to fully watch the kid. Even though stay at home, yes, we would definitely wanna make sure you're able to still go out and experience the world. And he would need to take a bit of a sacrifice there, but if all your life is, is going to bars and draining your account to zero. I mean, obviously you're not a productive member of the household then. So maybe.

• 5:32Speaker 04

  Right now I am. Yes, I am. And when you're stay at home mom.

• 5:36Caleb Hammer?

  It's zero.

• 5:37Speaker 04

  Because I paid my bills.

• 5:38Caleb Hammer?

  Okay. Are your bills his bills?

• 5:40Speaker 04

  No. The only thing we split is rent.

• 5:44Caleb Hammer?

  Okay. So he would have to overtake your bills.

• 5:47Speaker 04

  Well, if I could pay them off, then no.

• 5:49Caleb Hammer?

  You won't have the, no, what, what do you mean by bills? Are you just talking minimum monthly payments on debts?

• 5:53Speaker 04

  No, no, no.

• 5:54Caleb Hammer?

  Okay, then he would, then are you gonna pay off an apartment? I don't think so.

• 5:57Speaker 04

  Well, yeah, I guess.

• 5:58Caleb Hammer?

  What are you talking about pay off?

• 5:59Speaker 04

  I'm talking about like my car. I wanna pay that off. These cards I owe IRS, which I guess we'll get into.

• 6:09Caleb Hammer?

  You fucking kidding me? For what? For what possibly? For why?

• 6:14Speaker 04

  Because I was a server and apparently, this is a story in itself. I was a server at a restaurant in New Braunfels. And I made a lot of money. I was claiming my tips, but when I went to go file taxes, I like did all the numbers and they said I owed $2,000 for one year.

• 6:30Caleb Hammer?

  Cause you claimed your tips and you didn't fucking.

• 6:33Speaker 04

  Yeah.

• 6:33Caleb Hammer?

  Set any money aside for the tips in cash.

• 6:37Speaker 04

  Yeah.

• 6:37Caleb Hammer?

  Cash. Credit card. I'm sure that's probably withheld for you.

• 6:40Speaker 04

  Yes, that was. But then, so I saw it was $2,000. I was like. I don't have that, so I'm not gonna pay it.

• 6:46Caleb Hammer?

  Two thousand dollars, make or break, and you bring in thirty six hundred dollars net? Oh, maybe we don't go to the bar every five seconds of our life and live off the bottle and drain to zero from the bottle?

• 6:55Speaker 04

  Yeah.

• 6:56Caleb Hammer?

  If we owe two thousand dollars, which is just over half of our monthly income, which net, which you should be able to pay off. That's just the act of a child, the one, what year, what year taxes was this?

• 7:08Speaker 04

  Twenty twenty one. I owe two thousand for twenty twenty two.

• 7:13Caleb Hammer?

  And then, I know, well, so two thousand for twenty one?

• 7:16Speaker 04

  Two thousand eight hundred for twenty twenty one, two thousand.

• 7:20Caleb Hammer?

  All for taxes?

• 7:21Speaker 04

  Six hundred for twenty twenty two.

• 7:23Caleb Hammer?

  Why'd you not fix it for the next year?

• 7:25Speaker 04

  Because.

• 7:26Caleb Hammer?

  If you knew there was the flaw of it from the first year.

• 7:28Speaker 04

  For some reason, I thought they would never come after me. There's bigger fish in the sea. And then I realized if I want to buy a house.

• 7:34Caleb Hammer?

  Yeah, exactly.

• 7:35Speaker 04

  Yeah.

• 7:36Caleb Hammer?

  You in more ways than just that.

• 7:37Speaker 04

  Well, I'm on a payment plan now.

• 7:41Caleb Hammer?

  Really? So these are the bills?

• 7:44Speaker 04

  They're bills, yes, they're bills, my bills.

• 7:48Caleb Hammer?

  Okay.

• 7:48Speaker 04

  They're my bills.

• 7:49Caleb Hammer?

  Yeah, yeah, you love to talk about your bills, so I'm just making sure we understand what your bills are. Do you not split rent?

• 7:56Speaker 04

  I do split rent.

• 7:57Caleb Hammer?

  Okay, that's probably a bill, and again, that doesn't just go away.

• 8:00Speaker 04

  Yeah.

• 8:00Caleb Hammer?

  So he would have to overtake that. Do you pay towards utilities, towards groceries?

• 8:05Speaker 04

  Groceries I do, utilities he takes care of already.

• 8:07Caleb Hammer?

  So you would have to take care of your full thing of groceries. So there's more here than just paying off debt. Paying off debt, obviously going in that situation is gonna be good. You don't want to go in that situation with a bunch of debt, because it's a lot of risk.

• 8:19Speaker 04

  Yeah, well, I guess, I guess my main focus is to be a mom and to do what I need to do.

• 8:24Caleb Hammer?

  Yeah, how about you set your kid up for success, though, instead of having?

• 8:27Speaker 04

  I gotta take care of me first, not in a.

• 8:29Caleb Hammer?

  That's what I was just saying.

• 8:31Speaker 04

  Okay, okay, I'm sorry.

• 8:32Caleb Hammer?

  What do you think I was just saying? I was saying, set your kid up for success by you not going into the parenthood.

• 8:37Speaker 04

  Yeah.

• 8:38Caleb Hammer?

  Okay, I mean, you're taking care of yourself, so I mean, you're probably good, okay.

• 8:42Speaker 04

  I didn't mean in a selfish way.

• 8:44Caleb Hammer?

  Yeah, how much did you spend? Because thirty six hundred went out, how much did you spend? Thirty six hundred came in, so.

• 8:50Speaker 04

  Yes, I'm gonna say thirty eight, if I had to guess, thirty eight.

• 9:00Caleb Hammer?

  So $200 more.

• 9:01Speaker 04

  Yes.

• 9:02Caleb Hammer?

  How would you do that?

• 9:04Speaker 04

  The credit cards. Why would I do that?

• 9:06Caleb Hammer?

  And you're okay with that with wanting to have a kid?

• 9:09Speaker 04

  No, I'm not.

• 9:10Caleb Hammer?

  We're taking care of ourselves, so we're taking care of the kid, but we're gonna spend more than we make. I thought you said you drained down to zero and then you paid your bills, so you're good, so you wouldn't be putting any money on our credit card?

• 9:19Speaker 04

  Well, when you go out.

• 9:22Caleb Hammer?

  No, you said you drained to zero. You didn't say you drained to negative.

• 9:25Speaker 04

  Well, I guess I didn't see it as negative when it's still available on the credit card.

• 9:34Caleb Hammer?

  How do you view credit cards?

• 9:38Speaker 04

  How do I view them or how do I?

• 9:40Caleb Hammer?

  Yeah, how do you view them?

• 9:41Speaker 04

  I view them as money that's available to spend that needs to be paid back. Eventually, needs to be paid back.

• 9:51Caleb Hammer?

  So it's not your money then, and you already know that. So what the fuck are you talking about?

• 9:56Speaker 04

  I had it and it was available. I think it's like-

• 9:58Caleb Hammer?

  It was available, but you know it's not your money. That would obviously be negative if you're talking about how much you spend on a monthly basis.

• 10:07Speaker 04

  It was there.

• 10:08Caleb Hammer?

  Also, you spent basically $5,000. So shut the fuck up. You're like, you don't, you don't wanna be a stay-at-home mom.

• 10:14Speaker 04

  I do.

• 10:14Caleb Hammer?

  Yeah, well, you wanna run away from everything, apparently, more than anything, cuz you're not doing anything.

• 10:21Speaker 04

  $5,000 is actually insane. I don't know how you got that number.

• 10:25Caleb Hammer?

  By your spending.

• 10:28Speaker 04

  Where? I feel like, honestly-

• 10:30Caleb Hammer?

  Yeah, cuz you can spend on debt.

• 10:34Speaker 04

  I feel like

• 10:37Speaker 04

  there's no way that happened. My credit cards have been maxed out for a long time. Where did, where did the extra $2,000 come from that?

• 10:44Caleb Hammer?

  Let's find out. But you know that's more money than you can possibly spend, so I'm guessing at least for these next couple of months, no more, no more going out this week, right? That's in the plan because you're fucking, you wanna be a stay-at-home mom, so.

• 11:00Speaker 04

  Yes.

• 11:01Caleb Hammer?

  You're done.

• 11:02Speaker 04

  Also, this weekend, while we're talking about going out, I will be attending a bachelorette. I'm very excited about it.

• 11:13Caleb Hammer?

  How much did you have to put towards that? I mean, it's hard to tell someone no for a bachelorette because I get it. It's your like best friend probably, but how much you have to put towards that?

• 11:22Speaker 04

  So.

• 11:23Caleb Hammer?

  But that's different than you going out to a bar every weekend. This is a one time thing that happens here or there. And I'm not dramatically opposed to that.

• 11:30Speaker 04

  Okay, well, I've, I had to put 4,000, not 4,000, whoa, $400 to buy the Airbnb because.

• 11:38Caleb Hammer?

  That is clearly not your issue if you're spending 2,000 hours more than you make on a monthly basis.

• 11:42Speaker 04

  Well, it's part of the issue because I covered another girl's thing.

• 11:45Caleb Hammer?

  Why?

• 11:46Speaker 04

  Because I felt bad. I had already told the other girls the price and then I didn't want to. Money is a weird conversation for anybody. And so I just was like, I have the money right now. Why don't I just do it? If I have it, why can't I do it? You know what I mean? And I feel like that's.

• 12:02Caleb Hammer?

  Because you want to become a stay at home mom. What, what goal matters more? What goal matters more?

• 12:08Speaker 04

  I think it's just about timeline, like I know.

• 12:11Caleb Hammer?

  Okay, yeah, and you want to have a kid like tomorrow. So what goal matters more?

• 12:16Speaker 04

  The mom, the mom.

• 12:17Caleb Hammer?

  Then why aren't you prioritizing it?

• 12:21Caleb Hammer?

  I don't understand. That's like your fucking choice. You could just go do that.

• 12:25Speaker 04

  I know, but also like fun.

• 12:26Caleb Hammer?

  Well, not just go do that, but you could at least make the actual progress and the steps that is necessary to get there. Getting on our budget, not blowing all our money, not spending 2,000 hours more than we make on a monthly basis.

• 12:36Speaker 04

  Yes, um, but fun is also a priority for me too. And on the bachelorette, she wants to go.

• 12:42Caleb Hammer?

  I, of course, it's a priority. It's a priority for all of us, but which one do you choose? They can't both be the top priority when you're obviously failing one from the other. Your obvious top priority is fun because that is what your money. No, that is what your money is doing. That's what you're making.

• 13:00Speaker 04

  Fun right now.

• 13:01Caleb Hammer?

  But your fun right now is preventing you from having a kid or you're going to get a kid in a household that's going to be stressed financially and. It's not gonna be a good environment.

• 13:10Speaker 04

  Well.

• 13:11Caleb Hammer?

  Not the environment you would want.

• 13:13Speaker 04

  That's true, but I think fun right now and then focus after the bachelorette, after the wedding, and then after the cruise in September, I will.

• 13:23Caleb Hammer?

  September, we're talking in September. That's a half a year away. You're already talking about having a kid at the end of the fucking year. So, sorry. You're not a raging, that's so stupid.

• 13:34Speaker 04

  I know, but I just.

• 13:35Caleb Hammer?

  Oh, shut up. I know. What the is that?

• 13:37Speaker 04

  Because I don't know.

• 13:38Caleb Hammer?

  No, no, no, no. I'm not gonna let you get away with it. What kind of response is that? I know. Yeah, you choose to do it. No, that's gonna infuriate me.

• 13:47Speaker 04

  My goal is to have a kid sometime next year. Sometime next year. That's a, that's enough time for me to get my together and have, and have fun. Yes.

• 14:00Caleb Hammer?

  How? Tell me, what's your grand plan? Please. Ashley? Okay, okay. Very good, very good.

• 14:08Caleb Hammer?

  May borrow, may borrow the whiteboard. My friends, my friends may borrow. Well, here's Lindsay. Okay, why don't I get your plan? Why don't you give me a little plan? Do a step-by-step instructional plan. Can I have that? I wanna see this because I would love to see you math this out. Please, give me a little plan. Just a little plan, you know? A step-by-step, detailed, high-overview plan that is gonna be just stellar. Best plan that's ever been created in the history of the world. Please, show me.

• 14:39Speaker 04

  June, oops.

• 14:41Caleb Hammer?

  Mm-hmm, mm-hmm, mm-hmm. So May says wedding, right? Is that what this is?

• 14:45Speaker 04

  May says wedding, yeah.

• 14:46Caleb Hammer?

  Okay, good. So no progress, not a single piece of progress in May. Well done.

• 14:50Speaker 04

  June through.

• 14:52Caleb Hammer?

  April debt? You were in April and I just saw you're spending. You went $2,000 more in debt. So what debt are you talking about? You don't spend, you don't not spend more than you, but, but, you're going to a bachelorette this weekend. What are you talking about? This plan's already broken.

• 15:05Speaker 04

  No, look, okay.

• 15:06Caleb Hammer?

  No. No, this isn't a high detailed plan. You're writing like two letters.

• 15:11Speaker 04

  April, bachelorette. Have fun.

• 15:13Caleb Hammer?

  I thought it said debt. I was reading upside down. Okay.

• 15:15Speaker 04

  May, wedding.

• 15:17Caleb Hammer?

  Great, so two months gone.

• 15:18Speaker 04

  June until February is all save, save, save, save.

• 15:22Caleb Hammer?

  No, it's not. No, it's not. You, no, it's not. What about September?

• 15:27Speaker 04

  September cruise. That's only $500. That I.

• 15:33Caleb Hammer?

  Which is huge. It's a substantial amount of money. You have no respect to the dollar. $500 is huge for you. What the fuck are you talking about? $3,800 comes in, right? 3,600.

• 15:45Caleb Hammer?

  14% of your money. You say that's nothing? You spend 2,000 more than you bring in on a monthly basis. $500 is nothing? That's just gonna be an extra 500 on top of the 2,000 dollars. Then you spend more on a monthly basis? That doesn't make any sense.

• 15:58Speaker 04

  Oh, it means booked.

• 16:01Caleb Hammer?

  What's the additional 500?

• 16:04Speaker 04

  For what? What are you talking about?

• 16:06Caleb Hammer?

  For the booked cruise.

• 16:07Speaker 04

  Oh, um, well, it's not booked booked. I put a deposit down and.

• 16:12Caleb Hammer?

  Then stop!

• 16:14Speaker 04

  And I put in.

• 16:14Caleb Hammer?

  What was the deposit?

• 16:16Speaker 04

  $100.

• 16:16Caleb Hammer?

  Good. You lost it. Walk away.

• 16:18Speaker 04

  I booked an excursion.

• 16:19Caleb Hammer?

  I don't care.

• 16:20Speaker 04

  For $400 refundable.

• 16:22Caleb Hammer?

  But you still have to spend 500?

• 16:23Speaker 04

  Yes.

• 16:23Caleb Hammer?

  Good. You're not going. So you lost 500 instead of 1,000. Well done. Well done. Good. That's the cost of being a dumb. And we're no longer being a dumb. That's the goal. We're no longer being a dumb.

• 16:34Speaker 04

  Yeah, but I.

• 16:35Caleb Hammer?

  The goal is no longer being a dumb. And sometimes you have to sacrifice some things. And sometimes sacrificing some things is sacrificing fun.

• 16:41Speaker 04

  I haven't been on a vacation in like four years.

• 16:46Caleb Hammer?

  Good. You're not in a position to. You're not entitled to that. No one is. What the fucking luxury world are you living in? Shut up. Don't even, don't even open your mouth. That makes no sense. I don't care if you haven't been on a vacation. You are not entitled to a vacation. You can go on a vacation when you're literally able to go on a vacation mathematically right now. You are not able to. You are choosing a vacation over the child. That is what you are picking.

• 17:19Caleb Hammer?

  Which one, lady?

• 17:21Speaker 04

  Oh, you're some child.

• 17:23Caleb Hammer?

  Which one, lady?

• 17:24Speaker 04

  I want to do both. That's what I want.

• 17:25Caleb Hammer?

  Nope. Probably not. You sent $2,000 more than you've borrowed on a monthly basis. You have $20,000 of bad debt. 6,000 of it is IRS debt. Good fucking luck. Want to have a kid next year? Next year's eight months away. $20,000 bad debt.

• 17:42Speaker 04

  I could do like-

• 17:43Caleb Hammer?

  Good. $2,500 a month has to go towards debt. You're bringing in $3,600. Good luck. It's tax season, which means some of you are getting a refund and already planning to blow it on something dumb. But if your credit needs work, maybe don't. Today's sponsor, Kickoff, is the number one credit building app in the App Store, and it's made for people who want to build credit fast without jumping through hoops. There's no credit check and no interest and no hidden fees either. Plans start at just five bucks a month. Kickoff is perfect for someone who wants to build credit fast without spending a lot of money. Pick a plan, starting at just a few bucks a month, and Kickoff imports those payments to all three major bureaus, which makes it easy to build key credit factors like payment history.

• 18:26Caleb Hammer?

  Plus, the premium plan even lets you build credit with the rent you're already paying. If your credit's under 600, you can see an average bump of 84 points over time with on-time payments. So yeah, it's a smart move. And tax season is the perfect time to take control of your financial future. For a limited time only, get your first month free at getkikoff.com/kaleb. Don't wait. That is kickoff without the C. Get your first month free at get K I K O F F dot com slash Caleb. Let's get back to the video.

• 18:57Speaker 04

  Yeah, but I don't have to get pregnant at like January. I could wait until the end of the year. I just want to like be pregnant next year.

• 19:04Caleb Hammer?

  Okay, even half the amount of time, 1,500, maybe 2,000 dollars towards to go towards that. And we still have to get a fully funded emergency fund, which I highly doubt you have. So at that point, you're still dramatically behind. Or putting yourself in a risky position when having this kid. This makes no sense.

• 19:19Speaker 04

  Well, it's not just me.

• 19:20Caleb Hammer?

  With the desperation to be a stay-at-home mom. It's like, I get it, and you can do that if you guys want to, but mathematically, it's not working right now.

• 19:28Speaker 04

  It's not just me paying. Like, I have a boyfriend.

• 19:32Caleb Hammer?

  Boyfriend. Yes, we've talked about it.

• 19:34Speaker 04

  Mm-hmm. He will be there to help.

• 19:38Speaker 04

  It's not just me.

• 19:39Caleb Hammer?

  Why is your debt there then?

• 19:41Speaker 04

  Well, because I don't like to ask him for help.

• 19:43Caleb Hammer?

  Then will he be there for help?

• 19:45Speaker 04

  If I asked.

• 19:46Caleb Hammer?

  Really? So the boyfriend's gonna bail us out without actually learning anything? So we're just gonna get there again and then bring him down? That's gonna be, that's such a, for, for co-parents and eventually a married couple. That's, that's a really good, successful start to a relationship.

• 20:01Speaker 04

  That would not bring him down, hopefully.

• 20:02Caleb Hammer?

  It will, because you wouldn't have fixed your behavior to pay off your debt. You would have gone into more debt, most likely because you just bailed out. Because of, also, does he have a 20,000 hours laying around?

• 20:12Speaker 04

  Hmm, probably not.

• 20:14Caleb Hammer?

  So what the are you talking about?

• 20:16Speaker 04

  I mean, it's a process. Everything's a process. I can.

• 20:20Caleb Hammer?

  It's a process, but your process is going reverse.

• 20:23Speaker 04

  I don't think so.

• 20:24Caleb Hammer?

  You can say some exciting words and phrases, but that's not true. You don't think so? You spent $2,000 more? Well, I need to get this across your head before we jump into these documents. The fact that you can't even comprehend this, the, the, the process you're doing is reverse. And if that's the way you want to go, can do it. That's okay. If you want your child to grow up in a completely stressful place where the marriage is likely to not be successful, because you guys are doing one of.

• 20:45Speaker 00

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• 21:14Caleb Hammer?

  The leading cause for divorce in this country, that is your choice. If you want to have fun and prioritization over a good household for your child, that is your choice. You can do that. You can walk out. But you came on this show, you applied to this show for me to give you the wake-up call of, hey, baby, you're fucking up. And guess what? I'm trying to tell you, you're fucking up. You are not on the path. You, what path are you on? Your path is going down a dirt fucking hill, rolling, rolling. Well, the path is up there and everyone else is succeeding. What are you talking about? Baby's up there. You're going down there. You're gonna drown. There's a pond. You don't look like you can swim, so I, I don't know.

• 21:50Speaker 04

  I feel like it always works out. I really do. I feel like, and like I said, all my bills are paid. The debt is there, yeah, but it's being paid on. I don't know how I spent $2,000 more than came and I. Don't know where that's at in your calculations, but. I think both achievable. I think both are achievable. I understand I spent more than, yeah, but that's not like preventing me.

• 22:19Caleb Hammer?

  Tell me how both are achievable. If you're paying all your other bills at the same time.

• 22:22Speaker 04

  I'm sorry.

• 22:24Caleb Hammer?

  I said mathematically, how are they available at the same time? If you are still paying your bills.

• 22:36Caleb Hammer?

  How can we get there if in order to have a fully funded emergency fund and pay off all this debt before you have a kid likely has to be, even if it's a year and a half from now, like $2,500 on a monthly basis to take into account the emergency fund. How are you still having fun in doing that mathematically? Give me the math. I would love the equation because you're going to be unlocking some new math that is going to discover how the universe was created or something in order to make this worth. Please go, please go ahead.

• 23:03Speaker 04

  Okay, so maybe I would have to cut down a little bit.

• 23:06Caleb Hammer?

  A little. Tell me, what's the number? You've obviously planned this out in your head. What's the number? You figured it out. Come on, please tell me.

• 23:13Speaker 04

  Maybe like an extra $300 a month.

• 23:17Caleb Hammer?

  $300 a month, what?

• 23:20Speaker 04

  Towards debt, yeah.

• 23:22Caleb Hammer?

  Okay, $300 a month. Let's see, $20,000, but you need $40,000 because we're doing an emergency fund. No money is going towards that $300. Wonderful. That takes 133 months. 133 months is 11 years. Congratulations. You'll be having a kid at 35. Okay, so go ahead. Please tell me this grand equation. I would love you to walk me how you got there. You're the genius. You haven't figured it out. You have the path. You're on the path. The path has been discovered. We're on it. We're walking. That's so good. What a lovely path. Please tell me. I want to learn how every stuff works. I want to go down this path.

• 23:57Speaker 04

  Okay, so maybe I just go on the bachelorette, go to the wedding, go to the cruise, and that's it.

• 24:03Caleb Hammer?

  Already talked about they're going to take away money from the debt payoff.

• 24:08Caleb Hammer?

  So you spend no money going out to eat, spend no money getting coffee, spend no money getting. Listen, everyone on the show smokes. Do you smoke something?

• 24:17Caleb Hammer?

  Of course you do. What do you smoke?

• 24:19Speaker 04

  Um, vape and.

• 24:22Caleb Hammer?

  Oh, you're a double lung destroyer. Congratulations. Double budget breaker. Wonderful. So are you taking away that? Are we taking away that? Probably not. That's an addiction. Good luck.

• 24:31Speaker 04

  Want to.

• 24:32Caleb Hammer?

  Want to means absolutely nothing. It's absolutely nothing. You do or you don't?

• 24:38Speaker 04

  I will.

• 24:40Speaker 04

  I will. I can. I just.

• 24:41Caleb Hammer?

  Can you? Why haven't you done it?

• 24:44Speaker 04

  It's hard.

• 24:45Caleb Hammer?

  Hmm.

• 24:47Speaker 04

  But.

• 24:47Caleb Hammer?

  Will you then?

• 24:49Speaker 04

  I will. I will.

• 24:50Caleb Hammer?

  But you haven't because.

• 24:52Speaker 04

  Well, I want to quit anyways because the cruise is coming up and you can't take it on the cruise.

• 24:57Caleb Hammer?

  Listen. Answer this question truthfully. This will just give us a good, a good, just of your financial situation. Your boyfriend, you say you split things. Okay. Does he ever have to cover any of your bills that you are responsible for?

• 25:09Speaker 04

  Hmm. Sometimes he will pay my phone bill.

• 25:11Caleb Hammer?

  Well, fuck you then. You're done.

• 25:13Speaker 04

  Yeah.

• 25:13Caleb Hammer?

  Okay. If he already has to pay for bills that you are, that you are supposed to take care of.

• 25:23Speaker 04

  That's like once in a blue moon.

• 25:26Caleb Hammer?

  That blue moon must happen endlessly. Okay. Listen. If he is taking care of bills that you are required to take care of already when we're splitting bills, good luck. You're gonna put $2,500 towards debt and emergency fund to have a kid by a year and a half times period? Good luck. No, you're not. Maybe it's the time to accept. Maybe your path is wrong. Maybe your method does not work and that is okay. And you're willing to hear something fucking different. Maybe you don't have it figured out. Maybe you were accepted on the show because your finances are dumb.

• 25:59Speaker 04

  I mean, maybe.

• 26:00Caleb Hammer?

  So you think just cutting back those three things gets us there even though he has to pay for the bill? So you're cutting back all food, all vape, all smoke, all cancer, all off. You're cutting back everything. Everything is all gone?

• 26:15Caleb Hammer?

  All gone. Is it?

• 26:17Speaker 04

  I think.

• 26:18Caleb Hammer?

  How much you spend on fast food in a month? I mean.

• 26:22Speaker 04

  That number, I cook probably once a week. So let's see if I had to guess like $300.

• 26:30Caleb Hammer?

  I cook once a week, so it's $300? Does that mean you eat out six times a week?

• 26:35Speaker 04

  Um, probably.

• 26:35Caleb Hammer?

  Yeah. And how many meals do you eat a day?

• 26:38Speaker 04

  Like two, two meals a day, breakfast or lunch and dinner.

• 26:44Speaker 04

  I don't know how I'm learning to cook. I am learning to cook. I was never taught.

• 26:49Caleb Hammer?

  Okay, use our cookbook. Use our cookbook. Everyone out there gets a physical version of our cookbook when you sign up for simpler budget, the annual edition, which saves you months of payments anyway.

• 27:01Caleb Hammer?

  Use the cookbook. I mean, it's just a recipe. Learn how to cook. It's right there. It's budget friendly too. It's for $300 a month of grocery budget. So $300 a month. So two meals, two meals you cook once a day. So that means we have two times six plus one for the other meal that you're not cooking because you cook for one meal and you only eat two meals a day. 13, 13 meals, we must have $300, 13. So you spend, uh, $300. Oh, sorry, but $300 a week you say you spend? No, you said a month.

• 27:37Speaker 04

  Probably a month.

• 27:38Caleb Hammer?

  Yeah. Okay. So 13 times four, that's 52. Well done. 352. So you spend $5.76 a meal.

• 27:49Caleb Hammer?

  Your path is very interesting. It's the most interesting path I've ever seen. The path's a little crooked and broken and so.

• 28:02Speaker 04

  I'm learning to cook. It's a process.

• 28:04Caleb Hammer?

  That's not my point. You say you spent $300 going out to eat. That'd be $5.76 a meal. What's the last time you went to a fast food restaurant, even McDonald's and got something for five bucks? That's actually a meal.

• 28:17Speaker 04

  They actually have.

• 28:18Caleb Hammer?

  Cokes, sure.

• 28:19Speaker 04

  They have a Mcgangbang that I get quite often.

• 28:23Caleb Hammer?

  What? Yeah, I know. You've, it looks like you've been Mcgangbang quite a few times.

• 28:27Speaker 04

  Whoa.

• 28:28Caleb Hammer?

  So Ronald just can't stop shoving it in.

• 28:35Speaker 04

  I'll let him. You're a McDonald.

• 28:37Caleb Hammer?

  Not a whore. I know you like free things and I'm giving some things away for free right now. And let me show you how to get it. First, I'm giving you a limited edition financial audit Tumblr, plus a 30 day trial of Simpler Budget Premium to new users when you buy my four class bundle. And this trial is normally only 14 days, but I'm doubling it just for those purchasers. And do you just want one class? No worries, you'll still get access to that 30 day Simpler Budget trial. And act now because we're winding down our intro pricing at midnight on April 23rd. So this is the best price you'll ever see on these classes. So if you're feeling stuck or intimidated by your finances, you're not alone. And now is the best time to get started.

• 29:22Caleb Hammer?

  Grab your free limited edition Tumblr, sit back and finally take control of your financial future. Or don't, and you can end up right here.

• 29:35Caleb Hammer?

  Oh, by the way, it's been a thousand hours going on to you. So, I mean, go fuck yourself.

• 29:40Speaker 04

  No way.

• 29:41Caleb Hammer?

  Yes, way. $20 on average per meal if you only cook one meal a week, which, yes. Makes sense.

• 29:50Speaker 04

  I just swipe, which is bad, I know, but.

• 29:58Speaker 04

  I have, if I want something and I have the money, why don't I get it?

• 30:00Caleb Hammer?

  You don't have the money, you spent 2,000 hours more than you make on a monthly basis. You don't have the money, what are you talking about?

• 30:06Caleb Hammer?

  What are you talking about?

• 30:07Speaker 04

  I just, if I want it.

• 30:13Caleb Hammer?

  Just want it more than the kid.

• 30:17Speaker 04

  That's not true. I do. I want a kid.

• 30:20Caleb Hammer?

  You don't even know how much you spend on food. You don't know how much you spend on any of that. You do not get to leave this building until you download the Simpler Budget app. It automates everything. It is so simple, it will literally just change your life. I don't know why everyone in the world doesn't just use it. Literally download it. And again, anyone who signs up for the annual version gets one of these founders editions, signed notebooks and the cookbook mailed directly to you when you sign up for annual. What do you think your financial score is? Zero to 10, zero being the worst, 10 being the best.

• 30:46Speaker 04

  I actually took the test, I did, and I got a zero.

• 30:50Caleb Hammer?

  Oh, sadly. And you think you have the path to get there.

• 30:54Speaker 04

  Eventually, the process.

• 30:55Caleb Hammer?

  This is, yeah, the process, guys.

• 30:57Speaker 04

  It's a process.

• 30:58Caleb Hammer?

  It's a process?

• 31:00Speaker 04

  It's a process.

• 31:00Caleb Hammer?

  But you can't describe the process. It's a process, you just don't know what.

• 31:04Speaker 04

  Figuring it out.

• 31:05Caleb Hammer?

  What are you, what are you, what are you talking about? It's a process. Everything's a process by your logic. You, it's a process. I don't know what you mean it's a process. It's the dumbest thing.

• 31:14Speaker 04

  Work.

• 31:15Caleb Hammer?

  If you want to see a fucking process, go to Calebhammer.com and I'll go through the equation and quiz and I'll give you your financial score. And if you have a process that you need broken apart, come down here to Austin, Texas. I'd be happy to have you on the show at Calebhammer.com slash ply.

• 31:32Speaker 04

  I have time. I, I have time to fix this before I have a baby.

• 31:38Caleb Hammer?

  We've already went through the math, lady. I don't.

• 31:42Caleb Hammer?

  How many McDoubles are up there? Like, is that just like taking all brain capacity away?

• 31:49Speaker 04

  No, that might be.

• 31:50Caleb Hammer?

  She got really excited when I mentioned McDoubles. Did you guys see that?

• 31:52Speaker 04

  It is my favorite place to eat.

• 31:54Caleb Hammer?

  Uncontrolled, is it?

• 31:55Speaker 04

  Mm hmm. I love it.

• 31:59Speaker 04

  It's cheap and it's good and it's fast.

• 32:00Caleb Hammer?

  You spend $20 on average per.

• 32:03Speaker 04

  Yeah.

• 32:08Caleb Hammer?

  Okey dokey, let's get into the finances, cause oh my.

• 32:13Caleb Hammer?

  I don't know if she'll be able to understand the numbers I am saying. We'll see. Capital one, just OG classic capital one. We're looking at 1,847 dollars and 40 cents with a $67 minimum monthly payment. Good.

• 32:38Caleb Hammer?

  What's going on with this card? What's going on?

• 32:42Speaker 04

  So I know on that one, I think I bought an Apple Watch on that one. And then I lost it. So I had to buy another Apple Watch.

• 32:56Caleb Hammer?

  Yeah, for all your workouts, my, okay, what?

• 32:59Speaker 04

  Yeah. I am trying to work out. That's why I have to have it and I use it for work. So.

• 33:08Caleb Hammer?

  You have to have it for work?

• 33:10Speaker 04

  Well, I don't have to have it for work, but I use it. I said I use it for work. I didn't say I have to have it.

• 33:16Caleb Hammer?

  Oh, what do you even use it to work for?

• 33:19Speaker 04

  When I'm driving and the guys are texting me and I can just be like, hey, or respond or. And it does track when I work out.

• 33:25Caleb Hammer?

  Right, because you do not have a phone.

• 33:26Speaker 04

  I do have a phone, but you're not supposed to be on your phone when you drive.

• 33:30Caleb Hammer?

  Does your car not send texts?

• 33:32Speaker 04

  Yeah, it does have Apple CarPlay.

• 33:33Caleb Hammer?

  You can then, what the are you talking about?

• 33:36Speaker 04

  Well, Apple CarPlay is for maps. It's just easier to just like, meh, see it.

• 33:41Caleb Hammer?

  Great. That's certainly not distracting to respond to. Respond, not just glancing.

• 33:46Speaker 04

  Yeah, I just need to look. If I need to respond, y'all, hey Siri, text.

• 33:51Caleb Hammer?

  Can I have Apple Care?

• 33:56Speaker 04

  No, I didn't think I would lose it.

• 33:59Caleb Hammer?

  When'd you lose it? How quickly after purchasing it, did you lose it?

• 34:02Speaker 04

  Um, maybe like five months, which really sucks. And then I waited. Another five months and I was like, okay, no, I have to have a watch. And so I went and bought another one.

• 34:15Caleb Hammer?

  Okay, so what's gonna happen the next time you lose that and you drop it in a McBag and it somehow ends up down your throat?

• 34:21Speaker 04

  I'm not gonna lose it. I, this one, I'm taking very good care of. I'm trying to.

• 34:26Caleb Hammer?

  Trying to, everything's trying to. I. You haven't done anything but trying to. You have to try. I don't think you've tried. I've seen your actual effort. I don't think you've tried. There's nothing in here to suggest that you have tried. To be able to use that word, I don't think you're allowed to use that word.

• 34:39Speaker 04

  Trying?

• 34:40Caleb Hammer?

  Yes.

• 34:41Speaker 04

  I think I'm always trying.

• 34:43Caleb Hammer?

  And your trying is a fake version of that word. Always thinking about trying. So guys, I might attempt to try today. I might try to try to try.

• 34:50Speaker 04

  When you say it like that. I'm like, I think about everything all the time, like all my payments.

• 34:56Caleb Hammer?

  But you do nothing.

• 34:58Speaker 04

  But I think about it. I.

• 34:59Caleb Hammer?

  That means nothing to me.

• 35:02Caleb Hammer?

  That's even worse than you being ignorant, because you're not ignorant. You know, you know this and you don't make progress by choice.

• 35:08Speaker 04

  It's like overwhelming. It is.

• 35:09Caleb Hammer?

  Yeah, but it gets more overwhelming by you not addressing it.

• 35:15Speaker 04

  I'm trying.

• 35:17Caleb Hammer?

  No, you are not. We just.

• 35:21Speaker 04

  I'm working on it.

• 35:24Caleb Hammer?

  No, you're not. You live in a delusional world.

• 35:30Speaker 04

  I know what I need to do.

• 35:31Caleb Hammer?

  Then do it. Why don't you?

• 35:35Speaker 04

  Because it's hard.

• 35:36Caleb Hammer?

  Tell me why you actually don't. Please, I would love to hear why you think you don't.

• 35:40Speaker 04

  Why I think I don't.

• 35:41Caleb Hammer?

  In your own brain, why do you think you don't? Because you are knowledgeable about the situation and what you need to do, apparently, according to you.

• 35:47Speaker 04

  I think it gets overwhelming. I think I don't know where to start. I think.

• 35:51Caleb Hammer?

  But you said you know what to do.

• 35:53Speaker 04

  I know what to do. It's just like hard. And then like people invite you out.

• 35:57Caleb Hammer?

  So you don't know where to start and you know what to do. Which one is it?

• 36:00Speaker 04

  It's just hard.

• 36:02Caleb Hammer?

  What?

• 36:03Speaker 04

  To like think about, okay, I don't need to do this. I know, but I'm not thinking about like,

• 36:11Speaker 04

  I don't want to hurt people's feelings. When people invite me out or go out, I'm a people pleaser. So if they invite me to go eat, of course I'm gonna.

• 36:18Speaker 00

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

• 36:47Speaker 04

  Say yes.

• 36:47Caleb Hammer?

  You have to go spend money there, though. You can go and get a fucking just drink or something. Listen, your eating out cost was on average 20 bucks per spot. You don't have to spend that much. Depending on where you're going. Why? Everyone's inviting you to go to the drive through? That doesn't make any sense. You go, you say, you say you go to McDonald's every second. So that's not getting invited to go out. That's you fucking around.

• 37:09Speaker 04

  Yeah, that one.

• 37:09Caleb Hammer?

  What do you mean? That's not saying someone no. This is telling your boy Mc.

• 37:14Speaker 04

  Ronald McDonald.

• 37:16Caleb Hammer?

  Yeah, this is telling him no, and he's not inviting you no matter what you see at night.

• 37:22Speaker 04

  No, but that's, that's more McDonald's is more for like lunch break. I eat McDonald's. And then if I go home and I don't cook, I mean, camera.

• 37:31Caleb Hammer?

  You're gonna be one of those parents that only feeds their kid McDonald's.

• 37:34Speaker 04

  No way.

• 37:34Caleb Hammer?

  Yes, you are. You're too lazy to.

• 37:36Speaker 04

  That's what I'm saying. This is a process. I have to.

• 37:39Caleb Hammer?

  There is, it's, yes, it's a process if you do it, but you're not. You fucking, oh, your, your terminology and use of words is gonna infuriate me. You don't fucking do anything yet. You just try to pretend like you are, or that you say the right phrase to get out of some pushback. Shut the fuck up. You can't take care of yourself. You think you're gonna take care of a kid?

• 38:00Speaker 04

  Yes, I think I will be.

• 38:02Caleb Hammer?

  Why? What's gonna change that?

• 38:03Speaker 04

  I think I'm gonna be a good mom.

• 38:05Caleb Hammer?

  You're gonna be excited for the first six months, then you're gonna move on to something else.

• 38:08Speaker 04

  No, I do.

• 38:09Caleb Hammer?

  You're gonna feed him McFries.

• 38:11Speaker 04

  I do move on to like hobbies like that, but kids are different. Kids, that's like all I've ever dreamed about is like kids. Three, three kids.

• 38:18Caleb Hammer?

  But you are choosing McDonald's over that.

• 38:20Speaker 04

  Because I feel like it's still like possibly a year and a half away before I'm even pregnant.

• 38:28Caleb Hammer?

  Is this conversation just a repeat fest? I've already described how much money you need to put towards it on a monthly basis to get there in a year and a half.

• 38:35Speaker 04

  To pay off everything.

• 38:36Caleb Hammer?

  Yeah, and have a fully funded emergency fund in order to have a kid in a safe way without them growing up in a stressful financially household. Like $2,500 a month.

• 38:47Speaker 04

  It's quite a bit.

• 38:49Caleb Hammer?

  Spend a thousand getting McDonald's.

• 38:52Speaker 04

  That's insane. Yeah, I know.

• 38:54Caleb Hammer?

  Okay, you also spent $134.34 on this card. Why are you putting money on a credit card that cannot be fully paid off? That is accruing interest. You started above the credit limit the month previous. You started above the fucking credit limit. For fuck's sake, what are we doing here?

• 39:12Speaker 04

  I didn't mean.

• 39:13Caleb Hammer?

  And we're ready to have a kid.

• 39:14Speaker 04

  I didn't mean to spend on that card.

• 39:15Caleb Hammer?

  I didn't mean to, guys, so it's okay.

• 39:17Speaker 04

  Because, no, no.

• 39:18Caleb Hammer?

  It didn't actually happen because I didn't mean to. What the? None of these words you say mean anything.

• 39:23Speaker 04

  Because I took my dog to the pet parlor. I had the money in my account, but they charged my credit card automatically. I think. I think.

• 39:34Caleb Hammer?

  No, that's a fucking lie. Or again, you're stupid. I don't know. Which one is it? Are you a liar or stupid?

• 39:40Speaker 04

  That one would have been.

• 39:42Caleb Hammer?

  Stupid.

• 39:42Speaker 04

  I was confused.

• 39:43Caleb Hammer?

  Confused. Liar or stupid are the options. Choose one.

• 39:47Speaker 04

  Confused.

• 39:49Caleb Hammer?

  What are you confused about?

• 39:51Speaker 04

  Because that was a different month.

• 39:52Caleb Hammer?

  Is your confusion so much that it equals stupid? I feel like we might be going that way.

• 39:56Speaker 04

  The third option.

• 39:57Caleb Hammer?

  That there's not a third option? What do you mean? You can't, what were you confused about?

• 40:01Speaker 04

  I was confused about which month I was talking about when I brought up the pet parlor.

• 40:04Caleb Hammer?

  Does it matter which month? You started it above the, every month you started above the card to card limit and then spend on it?

• 40:11Caleb Hammer?

  So, so you would be my response? That just shows it's even worse.

• 40:15Caleb Hammer?

  You're making my fucking mouth work overtime today. This is insane. This is so dumb. You think it's okay and excusable because I didn't remember which month, which actually means that I around every single month and make it bad every single month.

• 40:31Caleb Hammer?

  What are we talking about? You know, it's wild. It takes me just five minutes to deep dive into strangers financial disasters, but it took me way too long to finally get life insurance for myself. And why? Well, I thought it'd be a whole ordeal, but then I found Fabric by Gerber Life. Look, I'm not just thinking about spreadsheets anymore. I've got people I care about and if something happened to me, I don't want them stuck with chaos and debt. Fabric helps me with them. Fabric by Gerber Life is term life insurance that you can get done today. Made for busy parents like you, all online and on your schedule. You can be covered in under 10 minutes with no health exam required. Even if you already have life insurance through work,

• 41:13Caleb Hammer?

  it might not be enough to cover what your family actually needs without you around and it might not follow you if you change jobs. Your own policy stays with you for the entire life of the policy. So you'll be covered no matter where you work. Fabric has flexible, high-quality policies that fits your family and your budget, like a million dollars in coverage for less than a dollar a day. And Fabric is legit. They've partnered with Gerber Life, trusted by millions of families like yours for over 50 years. The policies are issued by Western Southern Life Assurance Company and they've got over 1,900 five-star reviews on TrustPilot with a rating of excellent. And it's not just insurance. Fabric is your one-stop shop for digital wills, tools to invest for your kid's future, and everything is easy to manage right from your phone.

• 41:57Caleb Hammer?

  The best part is there's no risk. To apply, you're not committing to anything yet. There's a 30 day money back guarantee and you can cancel anytime. So join the thousands of parents who've already done this. Protect your family's financial future today. Apply right now in just minutes at meetfabric.com slash Caleb. That is meetfabric.com slash Caleb. M E E T fabric.com slash Caleb. Let's get back into the episode. You ever try to organize your finances while your dog is throwing up on the rug? The doorbell is ringing and your wifi is doing that fun thing where it just disappears mid budgeting session? Yeah, chaos. Now imagine running an online store on top of that. Shipping, inventory, returns. It's enough to make you consider a simpler life off the grid.

• 42:41Caleb Hammer?

  But today's sponsor, ShipStation, keeps the chaos contained. With just one login, you can manage orders from everywhere. Shopify, Amazon, Etsy, and automate tasks that used to eat up your entire afternoon. Even finds the best shipping rates for you. Up to 88% off UPS and USPS and 90% off FedEx rates. I've used ShipStation to handle merch logistics behind the scenes and it's made things so much smoother. Click, print, done. It has genuinely saved me time and sanity. So go to shipstation.com slash Caleb to sign up and get your free trial. That is shipstation.com slash Caleb. Let's get back to the episode.

• 43:18Speaker 04

  Oh, I don't know why that one started over the credit. Probably because of interest. I never put it over by myself with my purchases. So maybe interest got me there. But it was not like I didn't purchase something to put it over.

• 43:38Speaker 04

  If that makes it any better.

• 43:40Caleb Hammer?

  No, I honestly, I honestly, I didn't even listen to any words you just said there because none of the words you've said this episode have been honestly good. It's all bull. It's all bull. You don't have any sense of logic.

• 43:55Speaker 04

  I just feel like you're not understanding me.

• 43:58Caleb Hammer?

  Then explain it in a different way to try to make it breakthrough to me. Try it in a different way, a different way that you haven't done yet.

• 44:04Speaker 04

  Um, hmm. I have that card. I feel like I was only using it when, no, I'm not going to say that. Hmm.

• 44:15Caleb Hammer?

  No, say it.

• 44:18Speaker 04

  I was gonna say, I was gonna say that I feel like I only use it when I have to. But that's not true either. The way I see it is, if I can pay off these cards.

• 44:31Caleb Hammer?

  But you can't.

• 44:32Speaker 04

  I can.

• 44:34Caleb Hammer?

  You haven't, and we've done the math, so good luck.

• 44:37Speaker 04

  I can pay off these cards. Okay.

• 44:39Caleb Hammer?

  Okay, yeah, we can all say things that aren't true. Sure, go ahead.

• 44:44Speaker 04

  Well, I will pay off these cards and then I have, like, it's not gonna take me that long to pay off the cards, I don't think.

• 44:52Caleb Hammer?

  What do you mean?

• 44:53Speaker 04

  If I buckle down and do it, pay off the card.

• 44:56Caleb Hammer?

  Buckle down, good luck.

• 44:57Speaker 04

  I can do it. If I put my mind to something, I will do it. I just haven't, like, done it.

• 45:04Caleb Hammer?

  That is a custom buckle.

• 45:05Speaker 04

  But it's like, my time limit is coming. I'm almost done with school, and then I put a timeline on myself for a baby next year. So maybe that's like what I needed. Motivation.

• 45:15Caleb Hammer?

  Huh, but we know what it takes to get there, which, that's my fifth time saying this, which means literally nothing gets through to you. So all of a sudden, you're set on this kid. Are you a hobby jumper?

• 45:26Speaker 04

  I am.

• 45:27Caleb Hammer?

  And this kid's gonna be the new hobby? Is this what it sounds like to me?

• 45:30Speaker 04

  No.

• 45:30Caleb Hammer?

  That makes so much sense.

• 45:32Speaker 04

  No.

• 45:32Caleb Hammer?

  I don't think so to you. I think it's a hobby.

• 45:34Speaker 04

  No.

• 45:35Caleb Hammer?

  I a hundred percent think so. What are your hobby jumps?

• 45:37Speaker 04

  Um, I like to crochet.

• 45:39Caleb Hammer?

  Yeah.

• 45:39Speaker 04

  And paint.

• 45:40Caleb Hammer?

  Yeah.

• 45:40Speaker 04

  And...

• 45:41Caleb Hammer?

  Talk about the jumps and how much money you put into them. You wouldn't know, because you don't track your money.

• 45:45Speaker 04

  I don't. I know, I spent quite a bit on painting, because I had to buy like canvases and paints and paintbrushes.

• 45:54Speaker 04

  I also tried to do my own nails, so I bought like nail set and stuff.

• 45:58Caleb Hammer?

  Great, they look like nothing.

• 46:00Speaker 04

  Well, because they're not done yet. I'm going on a bachelorette this weekend, and they will be done then. This weekend.

• 46:09Caleb Hammer?

  Continue.

• 46:10Speaker 04

  Um.

• 46:13Speaker 04

  I bought a hiking app.

• 46:17Speaker 04

  Did not.

• 46:17Caleb Hammer?

  For what?

• 46:18Speaker 04

  I wanted to start hiking.

• 46:19Caleb Hammer?

  Did you?

• 46:20Speaker 04

  No. But I still can because I still have the app and it doesn't like cancel until March or something. Of next year. It's like a yearly thing.

• 46:31Caleb Hammer?

  Why? Why would you do that?

• 46:35Speaker 04

  Because I felt like in my mind, if I spent money on it, I was like, okay, then like you spent this money, you have to do it.

• 46:40Caleb Hammer?

  But you didn't.

• 46:41Speaker 04

  But I didn't.

• 46:42Caleb Hammer?

  Oh, girl. For god's sake. You're losing me here. You're losing me. What the are we doing? What a joke. What a joke.

• 46:55Speaker 04

  I had good intentions.

• 46:56Caleb Hammer?

  You're just jumping. No, buddy. I honestly, I don't know what your intentions are. I don't think you know what your intentions are. You jump between things. You want to have a kid. It's your next hobby. This is stupid. You started a car to car.

• 47:07Speaker 04

  A kid is not a.

• 47:08Caleb Hammer?

  Shut the fuck up.

• 47:08Speaker 04

  Kid is not a hobby.

• 47:09Caleb Hammer?

  It is to you with the way you do things.

• 47:11Speaker 04

  That's all I've dreamed about. It's like for real. That's what I'm meant to do.

• 47:15Caleb Hammer?

  Yeah, all you do is just eat McDonald's every day and that's what you're gonna do for them. My gosh.

• 47:19Speaker 04

  I'm not.

• 47:20Caleb Hammer?

  And as a fellow fellow fat, I get it. That's what I mean. I love me some McD, dude.

• 47:26Speaker 04

  No, Mcgangbang.

• 47:30Caleb Hammer?

  Listen, I'm not deep enough in the McDonald's lore to have the shit you got. I don't know what the you're talking about. I don't live my life there like you.

• 47:38Speaker 04

  Look, you take a McDouble.

• 47:39Caleb Hammer?

  No, I don't even want to hear it. It's gonna disgust me. It's disgusting. I'm already becoming disgusted. I'm just vomiting right now.

• 47:46Speaker 04

  Mcgangbang.

• 47:47Caleb Hammer?

  Six, seven, okay. So yeah, your purchases, uh, curbside groceries. Okay. You know, it does cost a little more typically. There's a little bit of a surcharge. Stop. Can you take that thing off?

• 47:59Speaker 04

  Sorry. No.

• 48:01Caleb Hammer?

  It is beyond obnoxious. It matches your personality so much.

• 48:05Speaker 04

  Obnoxious.

• 48:06Caleb Hammer?

  Green botanical garden, snacks and munchies, Taco Cabana, Chick-fil-A and going in and getting some bull.

• 48:17Caleb Hammer?

  Yeah.

• 48:18Speaker 04

  Lunch.

• 48:19Caleb Hammer?

  Real importance. When we have a kid. When we can't pay off debt, when we're starting it above the credit card limit.

• 48:27Speaker 04

  Yeah. That's for lunch, lunch and then the gold green.

• 48:32Caleb Hammer?

  Oh, oh, oh, oh, ah! I can't even like say the words. I said them, I've said them so many times, I can't even like say the words.

• 48:43Caleb Hammer?

  I.

• 48:44Speaker 04

  What?

• 48:45Caleb Hammer?

  Are yours like?

• 48:47Speaker 04

  I don't want to make you mad.

• 48:49Caleb Hammer?

  Well, are you fucking shut? Shh, shh, shh, shh, shh, shh, that's okay.

• 48:54Speaker 04

  Don't.

• 48:56Caleb Hammer?

  Bread.

• 48:59Caleb Hammer?

  Sauce of choice, condiment.

• 49:01Speaker 04

  Mm hmm.

• 49:02Caleb Hammer?

  Meat of choice.

• 49:03Speaker 04

  Yeah.

• 49:04Caleb Hammer?

  Lettuce of choice.

• 49:05Speaker 04

  Mm hmm.

• 49:06Caleb Hammer?

  Tomatoes if desired.

• 49:08Speaker 04

  Hmm.

• 49:09Caleb Hammer?

  Bread.

• 49:10Speaker 04

  Yep.

• 49:11Caleb Hammer?

  Packed up. Taken to work. Consumed. Wow, we just saved so much money, so much money and time. And time. You already curbside groceries? You already curbside the groceries?

• 49:30Speaker 04

  Yeah, that's really a blessing. Curbside. I don't know, I guess when I'm like thinking about, or when I buy groceries, it's never like.

• 49:39Caleb Hammer?

  Oh, the food that I should eat instead of going out to eat?

• 49:41Speaker 04

  No, but like, it's like. Since I don't know how to cook, I'm just buying, like I look at recipes, buy the recipes. And then that's like all I can make with that, whatever I bought from HEB.

• 49:51Caleb Hammer?

  Why are you even buying at Target?

• 49:54Speaker 04

  Um, everything I can show you if you want. Yeah, uh, curbside, curbside groceries and curbside Target is the best.

• 50:03Caleb Hammer?

  Okay, curbside.

• 50:04Speaker 04

  Yeah, so.

• 50:05Caleb Hammer?

  Oh, so you purchase in app?

• 50:07Speaker 04

  In app and in store, but I like type my number in.

• 50:10Caleb Hammer?

  Oh, okay.

• 50:11Speaker 04

  For return purposes, if you ever need.

• 50:13Caleb Hammer?

  Oh, God, trash, meat. Um, well, actually.

• 50:18Speaker 04

  I feel like.

• 50:18Caleb Hammer?

  Her, her custom cooked meal is spaghetti and sauce, but that's okay.

• 50:23Speaker 04

  That's one thing.

• 50:23Caleb Hammer?

  Listen, it is cheap, I'm not gonna make fun of it, I'm not gonna make fun of it, you just made it sound so much more learning to cook earlier, uh, pre-workout. Uh, pre's holding some weight, okay.

• 50:35Speaker 04

  Trying.

• 50:36Caleb Hammer?

  And new.

• 50:40Caleb Hammer?

  Kendra Scott.

• 50:42Speaker 04

  That was for...

• 50:43Caleb Hammer?

  Kendra Scott, thank goodness. Good.

• 50:46Speaker 04

  That was for... I do like to shop, but that was not for me. That was for my stepmom's Christmas present, I think.

• 50:53Caleb Hammer?

  Fuck, your step...

• 50:56Caleb Hammer?

  Are you guys married?

• 50:57Speaker 04

  My stepmom.

• 50:59Caleb Hammer?

  Oh, stepmom. Sorry, sorry, sorry. I was hearing mother-in-law.

• 51:01Speaker 04

  No, not married to my stepmom.

• 51:03Caleb Hammer?

  Yeah, yeah, yeah. But also fuck your stepmom, because I don't care.

• 51:06Speaker 04

  No.

• 51:06Caleb Hammer?

  No, Christmas. You want to have a kid, put your kid over your stepmom. When it comes to Christmas, Christmas, that's Christmas.

• 51:12Speaker 04

  This is the first year that I-

• 51:12Caleb Hammer?

  You'll have so many more Christmases, shut the fuck up.

• 51:14Speaker 04

  This is the first year I could actually, like, do it.

• 51:16Caleb Hammer?

  Endless amount of tampons.

• 51:19Speaker 04

  Do need tampons.

• 51:20Caleb Hammer?

  We gotta clean up, clean up after the McGangbang.

• 51:25Speaker 04

  That was pretty funny.

• 51:27Caleb Hammer?

  You just get bags of cheese, but nothing else with it?

• 51:30Speaker 04

  You can make sausage wraps. That's one thing I do.

• 51:32Caleb Hammer?

  We got bleach and bags of cheese. The classic combination. Endless, endless clothes, endless amount of clothes.

• 51:43Speaker 04

  Also Stitch-

• 51:45Speaker 00

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• 52:14Speaker 04

  Stitch Fix, that's like another subscription.

• 52:17Caleb Hammer?

  Oh, a subscription box? Come on, that can be fun, but that's for people out of debt. It can be fun, but that's for people out of debt. You could totally get clothes cheaper. Also, I assume you have clothes. Do you have clothes?

• 52:27Speaker 04

  I have clothes. I have... I feel, I have clothes in my closet. I just, like, never can find an outfit or put anything together. So Stitch Fix.

• 52:36Caleb Hammer?

  What, are you broken? Can you not look? I'm confused. You also have a boyfriend to help. Put him on a mission.

• 52:41Speaker 04

  It just never looks good after you wear it a couple of times.

• 52:45Caleb Hammer?

  Then don't look good.

• 52:50Speaker 04

  I don't want to do that either.

• 52:52Caleb Hammer?

  Cool. So you don't want to be able to afford to have a kid?

• 52:54Speaker 04

  No, I do. I just, I don't have to be ugly, ugly and have a kid. Like, I can be hot and have a kid.

• 53:00Caleb Hammer?

  Surprised you're not like buying a ton of makeup at Target, because a lot of my friends buy makeup at Target.

• 53:05Speaker 04

  It's because I buy makeup at Ulta.

• 53:08Caleb Hammer?

  Okay, so how much we spending on makeup?

• 53:12Speaker 04

  Maybe like seventy dollars a month, if that. That's not bad.

• 53:19Caleb Hammer?

  This is everything adding up. It's everything adding up. Your math isn't mathing.

• 53:25Speaker 04

  Yeah.

• 53:26Caleb Hammer?

  You're just accruing, I mean, it's forty-nine bucks just in a single month.

• 53:29Speaker 04

  I just...

• 53:30Caleb Hammer?

  You just what? What possibly do you just?

• 53:34Speaker 04

  Whenever I need something, I buy it. I'm very...

• 53:36Caleb Hammer?

  You have a misconception about the word need. You do not need a thousand dollars at McDonald's.

• 53:42Speaker 04

  I do not, but I wanted

• 53:46Speaker 04

  to eat and I didn't pack a lunch.

• 53:49Caleb Hammer?

  Right. You needed to pack a lunch. Needed. Maybe you should have listened to that need. I don't know, dude. I don't fucking know. Bank of America.

• 54:01Speaker 04

  Yeah.

• 54:04Speaker 04

  I just feel like...

• 54:05Caleb Hammer?

  Call your boyfriend for me. Call him.

• 54:10Speaker 04

  Let's see if he will answer.

• 54:18Speaker 04

  Can we put him on speaker?

• 54:24Speaker 04

  What are you gonna ask him?

• 54:27Caleb Hammer?

  It's the quietest phone ever invented.

• 54:32Speaker 04

  I think so.

• 54:38Caleb Hammer?

  Also stop using his real name.

• 54:51Speaker 04

  Could text him and tell him to call me back when he gets a chance.

• 54:57Caleb Hammer?

  Hi.

• 55:06Caleb Hammer?

  Okay, is it on do not disturb?

• 55:08Speaker 04

  Yes, sir.

• 55:09Caleb Hammer?

  On do not disturb it, so that if he calls back, we can hear.

• 55:21Caleb Hammer?

  So Bank of America, $281.56. Not a crazy balance, but also, I mean.

• 55:32Speaker 04

  I'm sorry. That's all they will give me and I paid, I paid $300 to have that card.

• 55:39Caleb Hammer?

  Good. Fuck you. You need to learn your lessons when it comes to, listen, you can use the Fizz card. It's connected to your checking account, so you can only spend what's in your checking account, which is what you need, honestly, but it still builds your credit. But for fuck's sake, listen, you're at your credit limit. You made your minimum payment, but then you spent more on it than you even put towards it. Why, why again are we possibly spending money?

• 56:02Speaker 04

  If I had to guess, it was probably.

• 56:03Caleb Hammer?

  You had to guess. Great. You don't even know. Oh, my gosh.

• 56:07Speaker 04

  Food, if I had to guess. But I've had that card for three years. I requested two increases and they haven't given it to me.

• 56:15Caleb Hammer?

  Do you not see how that is a good thing? Do you legitimately not see how that is a good thing?

• 56:20Speaker 04

  Okay, the reason I'm trying, and I'm also, I'm gonna tell you, I did apply for an Apple card and they gave me like a path to follow, pretty much, to approve me. So they didn't deny me, but they didn't approve me either.

• 56:35Speaker 04

  So, but the only reason I'm doing that is because Credit Karma said.

• 56:39Caleb Hammer?

  You cannot have access to credit card. You can't manage it. You can't manage credit to save your fucking life.

• 56:48Speaker 04

  I feel like I really. I feel like I can't. I just [__] up. I need to-

• 56:53Caleb Hammer?

  What? If you could, you want to have two basically maxed out credit cards. What are you talking about? What are you talking-

• 57:00Speaker 04

  It's, right now I have nothing motivating me, but now I do. I have a kid-

• 57:03Caleb Hammer?

  A kid's not enough.

• 57:04Speaker 04

  Now-

• 57:04Caleb Hammer?

  A kid, guys.

• 57:05Speaker 04

  No. You're taking that out of context right now-

• 57:08Caleb Hammer?

  Are you [__] kidding me? You've wanted to have a kid forever. Shut the [__] up.

• 57:10Speaker 04

  I know.

• 57:11Caleb Hammer?

  A kid didn't just exist yesterday for you.

• 57:13Speaker 04

  But-

• 57:13Caleb Hammer?

  What the [__]?

• 57:14Speaker 04

  It's becoming more real.

• 57:16Caleb Hammer?

  I don't think, I don't think, I don't think, you're not a real person. You're not a human that exists.

• 57:21Speaker 04

  I am.

• 57:21Caleb Hammer?

  This is a dream. I'm in a dream. You are a mythical beast.

• 57:26Speaker 04

  Maybe it's delusional to you, but now it's becoming more real for me. He's gonna graduate the end of this year and then bam, now it's time. This is like actually-

• 57:34Caleb Hammer?

  But with $20,000 debt, $20,000 under emergency fund that you should probably have. Plus bills he's gonna have to take care of and he's getting an intro salary plus his student loans or whatever debt the [__] he has?

• 57:46Speaker 04

  I actually did ask him and he's very good with money. He only has-

• 57:49Caleb Hammer?

  What'd he say?

• 57:50Speaker 04

  He only has $7,000 debt and student loans.

• 57:53Caleb Hammer?

  It's the loans!

• 57:54Speaker 04

  No, in-

• 57:55Caleb Hammer?

  What?

• 57:55Speaker 04

  In, in student loans.

• 57:58Caleb Hammer?

  What else?

• 57:59Speaker 04

  That's it. His car's picked off, yeah.

• 58:03Caleb Hammer?

  Why he puts up with you?

• 58:05Speaker 04

  Because he doesn't have to put up with me. I put up with myself.

• 58:08Caleb Hammer?

  No, because if you guys are gonna get married, if you're gonna have kids, oh, he's gonna have to put up with you.

• 58:12Speaker 04

  That's why I'm taking care of this now.

• 58:14Caleb Hammer?

  No, you are not. Do you not know what words are? Do you not know what words are?

• 58:19Speaker 04

  I'm wanting-

• 58:21Caleb Hammer?

  You're like [__] on Twitter that throws out buds words endlessly. You just throw out words, but you don't know what the actual meaning of them are. Everything you say is meaningless. I'm being so mean, but you're just, you're like, you're not saying real things.

• 58:36Speaker 04

  No, because I just feel like you don't understand. I'm wanting-

• 58:38Caleb Hammer?

  He's like, you know what those words mean!

• 58:40Speaker 04

  I, this is where I need to take care of it. I want to take care of it. Yes, okay.

• 58:45Caleb Hammer?

  But, okay.

• 58:47Speaker 04

  Okay.

• 58:48Caleb Hammer?

  No. You're not doing anything! Lena, you're not doing [__] anything!

• 58:54Speaker 04

  I'm going to start.

• 58:56Caleb Hammer?

  That's okay. Then why didn't you start? Let's hear that. Why didn't you start?

• 59:01Speaker 04

  If you want the real answer, I just started watching you in October.

• 59:06Caleb Hammer?

  Oh guys, oh guys, October. Jake Lindsay, October. Hey guys, guess what? Audience, October. She started watching us in October. Started watching us six months ago. We're looking at the last month. She put two credit cards to the max. One was over max. The other one is, it's all bull. Spending a thousand dollars on McDonald's. Guys, I, but I just started learning about finances a half a fucking year ago. What are you talking about?

• 59:28Speaker 04

  I started watching in October. That's when I wanted to change everything, but then I've got a puppy. I got a puppy.

• 59:36Caleb Hammer?

  Do you realize, lady, lady? And do you not realize that a child is even more intense than a puppy?

• 59:49Speaker 04

  The puppy was kind of unexpected because...

• 59:52Caleb Hammer?

  That's not how puppies work. It is not like a kid where whoopsie, oh, there it goes.

• 59:57Speaker 04

  No.

• 59:59Caleb Hammer?

  They created something.

• 1:00:00Speaker 04

  Because I had been texting the breeder since like April of the year before and...

• 1:00:07Caleb Hammer?

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• 1:00:15Caleb Hammer?

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• 1:00:58Caleb Hammer?

  And don't forget, when you sign up for the annual version of the premium plan, you'll receive a limited edition signed notebook and my exclusive signed hardcover cookbook, all mailed directly to your door. So make sure you download my budgeting app today. It's in the description and pinned comment below. You will not regret it.

• 1:01:18Speaker 04

  She was like, I have a litter coming in October.

• 1:01:20Caleb Hammer?

  That's an accident? Oh, I have a litter coming in October. No. The accidental breeding is the one where you pop one out.

• 1:01:25Speaker 04

  The accident was, I've been telling my boyfriend, I was showing him pictures and he was like, no, we're not getting a dog, no, we're not getting a dog, no, we're not getting a dog. Finally, it was around my birthday and she texts me in, uh, like, what's September? It was like, hey, our puppies will be ready. And so I told him and he was like, well, do you want it? And so then I had to like scramble to get money to pay for my half of the dog because I did really want it. He's very cute. I also have a cat. Her name is Stella and she's a Siamese. So I have Maverick the poodle and Stella the Siamese.

• 1:02:00Caleb Hammer?

  I was being out of pocket, but also getting my frustrations out of me.

• 1:02:04Speaker 04

  I, it's a healthy way.

• 1:02:06Caleb Hammer?

  Because you're impossible to discuss.

• 1:02:07Speaker 04

  I'm really trying.

• 1:02:08Caleb Hammer?

  Words with.

• 1:02:09Speaker 04

  I'm trying.

• 1:02:10Caleb Hammer?

  There's another use of a word that is incorrect.

• 1:02:12Speaker 04

  What is a better word for that then?

• 1:02:14Caleb Hammer?

  So when did you get a dog?

• 1:02:15Speaker 04

  October. I got a dog in October and then it was my birthday.

• 1:02:19Caleb Hammer?

  So the day you started watching?

• 1:02:20Speaker 04

  Yes. But I had to, this was like my opportunity. He'd been saying no forever. And then finally it's yes and it's like. No. I think I just like kept asking. He's very. I think he loves me, so.

• 1:02:36Caleb Hammer?

  I hope so. It's in dog.

• 1:02:38Speaker 04

  Well, no, I was talking about my boyfriend loved me enough to say yes.

• 1:02:41Caleb Hammer?

  So if you're gonna have a kid with him.

• 1:02:43Speaker 04

  Yeah.

• 1:02:44Caleb Hammer?

  I. Sake dude. Went in and got some, probably vapes.

• 1:02:50Speaker 04

  Yeah, well, yes, vapes, but on the subject of.

• 1:02:54Caleb Hammer?

  What fees have we had this year?

• 1:02:55Speaker 04

  There should.

• 1:02:56Caleb Hammer?

  This year, probably a late fee.

• 1:02:58Speaker 04

  No, there should be no.

• 1:03:00Caleb Hammer?

  Pull up your app then.

• 1:03:01Speaker 04

  For.

• 1:03:01Caleb Hammer?

  I'll find the fee, pull it up.

• 1:03:03Speaker 04

  Which one? Bank of America?

• 1:03:04Caleb Hammer?

  The car we're talking about.

• 1:03:06Speaker 04

  The car?

• 1:03:07Caleb Hammer?

  Duh.

• 1:03:08Speaker 04

  Oh, I was like, what? Um.

• 1:03:12Caleb Hammer?

  I feel like that is your mental response to almost every sentence you hear.

• 1:03:17Speaker 04

  Wait, you're gonna be so mad, Caleb.

• 1:03:19Caleb Hammer?

  I already am.

• 1:03:20Speaker 04

  My dog also was only, for a designer dog, he was only 1500, so that's not like. And I only had to pay half of it. So 750. And he's the love of my life. I think it was worth it.

• 1:03:34Caleb Hammer?

  Okay, her balance has actually only gone up, so and I should not add. Put a nine to it.

• 1:03:53Caleb Hammer?

  You do nothing but inhale toxins.

• 1:03:55Speaker 04

  Hey, but I run.

• 1:03:57Caleb Hammer?

  You know the same stuff in aerosol is in vapes. That compound, that is the mess. It is not literally water vapors aerosol substances. We don't know the long term effects yet.

• 1:04:10Caleb Hammer?

  And many more studies are coming out about and it's really has no actual scientific upsides.

• 1:04:16Speaker 04

  The week I swear it's only like one hit at night and I'm.

• 1:04:20Caleb Hammer?

  Every day? Oh.

• 1:04:22Speaker 04

  Not every day, maybe like.

• 1:04:23Caleb Hammer?

  You said one hit a night.

• 1:04:24Speaker 04

  One hit. At nighttime, sometimes. Sometimes, sometimes.

• 1:04:32Caleb Hammer?

  Guys, it was to get chicken express. That's why the bounce went up.

• 1:04:36Speaker 04

  Yeah, that's crazy.

• 1:04:38Caleb Hammer?

  Yeah, that's crazy.

• 1:04:44Speaker 04

  I don't, I don't think there's any late fees on there.

• 1:04:45Caleb Hammer?

  You don't think.

• 1:04:47Speaker 04

  There shouldn't be.

• 1:04:47Caleb Hammer?

  I gotta not be so mean to you.

• 1:04:49Speaker 04

  There's.

• 1:04:49Caleb Hammer?

  This is impossible. You, you just upset me. You just, you just upset me.

• 1:04:53Speaker 04

  Sorry, but.

• 1:04:54Caleb Hammer?

  No, you're not. No, you're not. I don't use this app.

• 1:04:59Speaker 04

  Bank of America? It sucks.

• 1:05:02Caleb Hammer?

  I review past, I review the past.

• 1:05:10Speaker 04

  Can I tell you something?

• 1:05:10Caleb Hammer?

  No, maybe, okay.

• 1:05:11Speaker 04

  I'm going to, um, so on the Bank of America, there should only be a late fee from like when I first got the card.

• 1:05:18Caleb Hammer?

  When did you first got the card?

• 1:05:18Speaker 04

  Three years ago and I just like, it was my first ever credit card.

• 1:05:22Caleb Hammer?

  There's been a fee this year and I need to look and figure out what the fee was, okay?

• 1:05:25Speaker 04

  There shouldn't be.

• 1:05:25Caleb Hammer?

  I'm looking and I am finding I am in past statements.

• 1:05:29Speaker 04

  Okay.

• 1:05:35Caleb Hammer?

  I found it. It's in January. Let's find out what it is. Should we find out what the fee is, lady? Should we find out what the fee is? The fee?

• 1:05:47Speaker 04

  I'm very interested because I don't-

• 1:05:50Caleb Hammer?

  You made a purchase that was essentially, essentially transacting as like a, almost like a cash equivalent purchase and you got a transaction fee for it.

• 1:05:58Speaker 04

  So what does that mean?

• 1:05:59Caleb Hammer?

  Let me see what purchase that applied for.

• 1:06:05Caleb Hammer?

  Cash equivalent. You got something that was cash equivalent. You may have pulled out cash on X-Men, like something, but I can't figure out which one of these purchases it would have applied to.

• 1:06:16Speaker 04

  I don't think I've ever pulled cash off my-

• 1:06:18Caleb Hammer?

  Again, it may have honestly been an accident.

• 1:06:20Speaker 04

  Yeah, because I think I'm very proud-

• 1:06:23Caleb Hammer?

  Don't.

• 1:06:24Speaker 04

  Of making sure that at least my payments are on time.

• 1:06:30Speaker 04

  Very proud of that. And then also, my income should be going up a little bit more.

• 1:06:38Caleb Hammer?

  Okay, well, I wish that was good news.

• 1:06:42Speaker 04

  I don't know how much yet. She told me I was getting a raise.

• 1:06:46Caleb Hammer?

  Oh, but she didn't tell you what?

• 1:06:48Speaker 04

  No. My boss is also my best friend, and so I think sometimes-

• 1:06:53Caleb Hammer?

  Trust me.

• 1:06:54Speaker 04

  It's-

• 1:06:54Caleb Hammer?

  Not a good dynamic.

• 1:06:55Speaker 04

  No, I know, but I'm also very proud on the fact that we are very good at being work and friends.

• 1:07:02Caleb Hammer?

  I know, but trust me, they don't feel like they can do their job.

• 1:07:04Speaker 04

  Well, that's what, that's what I told her too. And so that's why when she first brought the raise, I was like, no, I just feel like this is a pity raise. And she said, no, I swear, I've been thinking about this and said-

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• 1:07:42Speaker 04

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• 1:08:15Speaker 04

  So I don't know how much, but that should be coming.

• 1:08:20Caleb Hammer?

  In September?

• 1:08:21Speaker 04

  Yeah.

• 1:08:21Caleb Hammer?

  Oh my, so this is basically, it's not even, we don't even, who even, that's so far, that's so, that's nothing.

• 1:08:27Speaker 04

  No, not, she told me she's been thinking about it since September.

• 1:08:31Caleb Hammer?

  It's even worse. She didn't give you anything, she's been thinking about it since September. She told you she's gonna get something that she's been thinking about since September, but she won't do.

• 1:08:38Speaker 04

  No one's got any since then.

• 1:08:42Caleb Hammer?

  Is the business failing? I don't know, is it not doing very well? Like, I don't know.

• 1:08:46Speaker 04

  I think it's just like, we're waiting.

• 1:08:48Caleb Hammer?

  For?

• 1:08:49Speaker 04

  I don't know.

• 1:08:49Caleb Hammer?

  Oh my gosh.

• 1:08:51Speaker 04

  I don't know.

• 1:08:52Caleb Hammer?

  This means nothing. Which is your best friend.

• 1:08:54Speaker 04

  Yeah.

• 1:08:55Caleb Hammer?

  So I can talk to her, can I talk to her about this?

• 1:08:57Speaker 04

  Um, yeah.

• 1:08:59Caleb Hammer?

  Okay, I'm gonna call on the post show, I'm gonna call on the post show, because this is already running long. And there's still some more documents to go through.

• 1:09:05Speaker 04

  Okay.

• 1:09:08Caleb Hammer?

  Okay.

• 1:09:08Speaker 04

  But be sweet to her, she's like, I'm alive.

• 1:09:11Caleb Hammer?

  I don't care.

• 1:09:11Speaker 04

  She's so sweet.

• 1:09:12Caleb Hammer?

  Great, not sweet enough to actually give you the money that she said she was gonna give you, great.

• 1:09:18Speaker 04

  She's sweet still.

• 1:09:20Caleb Hammer?

  Listen, if you need therapy after that conversation, I'll gift you three therapy sessions to Sounder Mind.

• 1:09:24Speaker 04

  No.

• 1:09:25Caleb Hammer?

  It's where our audience uses, this is what you should use.

• 1:09:30Caleb Hammer?

  It's a good plug.

• 1:09:31Speaker 04

  Is this...

• 1:09:33Caleb Hammer?

  I don't even, no, I've lost it, I just, I don't, I don't have hope in you, I'm sorry.

• 1:09:38Speaker 04

  No, don't say that.

• 1:09:39Caleb Hammer?

  I'd say it happens one out of every 10 recordings, um, and it's happening here.

• 1:09:43Speaker 04

  No, don't say that, because...

• 1:09:45Caleb Hammer?

  Because?

• 1:09:46Speaker 04

  I really respect you, I really do.

• 1:09:48Caleb Hammer?

  Oh, thank you.

• 1:09:49Speaker 04

  I do, and so you can't tell me you don't have hope in me, because that's why I came here, is because like, you yelling...

• 1:09:54Caleb Hammer?

  You've been watching for six months and you've done nothing, except actually get worse.

• 1:09:57Speaker 04

  This is very personal, so you yelling at me is probably what I need.

• 1:10:01Caleb Hammer?

  Yeah, but someone like you, I've seen people like you, you get fire lit under your ass.

• 1:10:04Speaker 04

  You've never seen anyone like me. You've never seen a...

• 1:10:07Caleb Hammer?

  I promise you, you're not unique.

• 1:10:08Speaker 04

  I am.

• 1:10:10Caleb Hammer?

  The least unique individual I've ever met in my life.

• 1:10:12Speaker 04

  You are wrong about that.

• 1:10:16Caleb Hammer?

  Like everyone else that's went on.

• 1:10:18Speaker 04

  Maybe financially, maybe not like. When I say I'm gonna do something, I'll do it wise.

• 1:10:23Caleb Hammer?

  You're right. Not everyone goes to McDonald's every day.

• 1:10:27Speaker 04

  Well.

• 1:10:28Caleb Hammer?

  Okay, what is this? Consumer credit disclosure. You finance, it's a hundred and it's a hundred point three percent interest. You're right, maybe you're not like others. You're fucking delusional. What is this?

• 1:10:40Speaker 04

  That one's very bad.

• 1:10:42Caleb Hammer?

  That. Oh, is it? It is, I would say so. I believe this is bad. What is it?

• 1:10:46Speaker 04

  That is a loan I needed.

• 1:10:48Caleb Hammer?

  Needed. Here's the word need again.

• 1:10:50Speaker 04

  Because I didn't want to borrow money from anyone.

• 1:10:52Caleb Hammer?

  So we get a hundred percent.

• 1:10:55Speaker 04

  Yeah.

• 1:10:56Caleb Hammer?

  Yeah, go on, please.

• 1:10:57Speaker 04

  Because I had bought Maverick, the puppy.

• 1:11:01Speaker 04

  And then I.

• 1:11:02Caleb Hammer?

  You can't have a kid.

• 1:11:03Speaker 04

  I needed.

• 1:11:03Caleb Hammer?

  You cannot have a kid.

• 1:11:04Speaker 04

  No, yes, I can.

• 1:11:05Caleb Hammer?

  You cannot have a kid.

• 1:11:05Speaker 04

  Yes, I can.

• 1:11:06Caleb Hammer?

  No.

• 1:11:06Speaker 04

  I will.

• 1:11:06Caleb Hammer?

  You're a hundred percent interest rate for a fucking dog. You cannot have a kid. You cannot have a fucking kid.

• 1:11:11Speaker 04

  Well, that was just.

• 1:11:12Caleb Hammer?

  You cannot have a fucking kid.

• 1:11:13Speaker 04

  Really, it was like.

• 1:11:13Caleb Hammer?

  You cannot have a fucking kid.

• 1:11:14Speaker 04

  Cover the bills after the dog.

• 1:11:17Caleb Hammer?

  Not a chance in this world you can have a kid.

• 1:11:18Speaker 04

  No, I'm going to.

• 1:11:19Caleb Hammer?

  You are the furthest away from ever being able to have a kid. Do not have a kid, do not have a child. No, no, no. You are gonna take out payday loans for this kid.

• 1:11:26Speaker 04

  No.

• 1:11:26Caleb Hammer?

  There is nothing to suggest that I am wrong, but everything to suggest that I am right. You got a dog and you took out a hundred percent interest rate loan for something related.

• 1:11:33Speaker 04

  Yeah.

• 1:11:33Caleb Hammer?

  What? What, what did you be taking out for?

• 1:11:35Speaker 04

  Because.

• 1:11:36Caleb Hammer?

  Specifically.

• 1:11:36Speaker 04

  I think I bought the dog and then I needed like. Some bill came up and I had like.

• 1:11:43Caleb Hammer?

  Bills?

• 1:11:43Speaker 04

  I was unprepared for the dog. So. But it was my only opportunity. I'm telling you, I had to.

• 1:11:49Caleb Hammer?

  That was not for dogs always are born.

• 1:11:52Speaker 04

  Not Maverick.

• 1:11:58Speaker 04

  I planned to pay it right back and that's.

• 1:12:00Caleb Hammer?

  Yeah. You, you, you planned to?

• 1:12:03Speaker 04

  I planned to.

• 1:12:04Caleb Hammer?

  Yeah, and guess what will happen? Please, uh, inform us all.

• 1:12:08Speaker 04

  I think something else came up.

• 1:12:10Caleb Hammer?

  Oh, nothing ever comes up, right? For you?

• 1:12:13Speaker 04

  And so I had to just make the payment.

• 1:12:16Caleb Hammer?

  Killing me.

• 1:12:17Speaker 04

  On it, yeah.

• 1:12:20Speaker 04

  That one, I know that one's pretty.

• 1:12:21Caleb Hammer?

  Is it?

• 1:12:22Speaker 04

  Crazy.

• 1:12:23Caleb Hammer?

  Yeah.

• 1:12:23Speaker 04

  I didn't want to do it.

• 1:12:25Caleb Hammer?

  But you did it. You didn't. Need to get the dog, okay?

• 1:12:32Caleb Hammer?

  So this was in, you took this out in October, the month you started watching the show.

• 1:12:38Speaker 04

  And got the dog. And recently I did.

• 1:12:42Caleb Hammer?

  How'd you even find this loan? This is a horrible interest rate. Where did you even find this?

• 1:12:46Speaker 04

  I just typed in loan, Googled loan near me. I'm telling you, it was a quick thing because I realized too late and I didn't want to borrow money from anybody.

• 1:12:53Caleb Hammer?

  Borrow that much? This is the stupidest loan I've ever seen in my life, but now it's worth, this is just a trillion dollars now. It's like $500 still. I don't know.

• 1:13:02Speaker 04

  Well, it might be, I did refinance, um, or like bump it up.

• 1:13:07Caleb Hammer?

  What?

• 1:13:07Speaker 04

  A little bit.

• 1:13:08Caleb Hammer?

  What does that mean?

• 1:13:09Speaker 04

  Like, so I got it paid down to like a hundred dollars and then recently I needed, oh, because I had covered someone's part on The Bachelorette and so I got.

• 1:13:23Caleb Hammer?

  Guys.

• 1:13:24Speaker 04

  I just got 300 more dollars.

• 1:13:28Speaker 04

  Yeah.

• 1:13:31Speaker 04

  But I had to, I should. I had to.

• 1:13:35Caleb Hammer?

  You don't even know what the wor- you stop it, stop it.

• 1:13:38Speaker 04

  Oh.

• 1:13:40Caleb Hammer?

  Answer it. Is that him?

• 1:13:41Speaker 04

  Yeah.

• 1:13:42Caleb Hammer?

  Answer it. What the is wrong with your girlfriend, dude? What the is wrong with your girlfriend? What possibly is wrong with this?

• 1:13:55Speaker 05

  What, what happened?

• 1:13:59Caleb Hammer?

  Do you even know her existence?

• 1:14:02Speaker 05

  I do.

• 1:14:03Caleb Hammer?

  Do you, how much debt does she have?

• 1:14:06Speaker 05

  I would say around three to four.

• 1:14:09Caleb Hammer?

  Thousand?

• 1:14:10Speaker 05

  Yes.

• 1:14:11Caleb Hammer?

  Twenty thousand dollars.

• 1:14:15Speaker 05

  You know more than me, man.

• 1:14:18Speaker 04

  Dumb.

• 1:14:20Caleb Hammer?

  She almost paid off her payday loan. Did she even know she had a payday loan? She had a fucking payday loan. Did you know that?

• 1:14:26Speaker 05

  No.

• 1:14:27Caleb Hammer?

  Well, she had a payday loan. She almost paid it off and then she took it all the way back up again.

• 1:14:33Speaker 05

  Yeah, no, that's, that's news to me.

• 1:14:36Caleb Hammer?

  This fucking Kennedy wannabe over here is endlessly going into debt to spend a thousand dollars a month on McDonald's. Yeah, she wants you to fucking blow her up with your nuts so she can pop out a kid.

• 1:14:49Speaker 05

  I'm, I'm right there with you, brother. I agree a hundred percent.

• 1:14:52Caleb Hammer?

  Yeah, so you're not gonna have a kid, right? Because she can't even have a fucking dog.

• 1:14:58Caleb Hammer?

  Yeah, co-friend life, weigh your way through it.

• 1:15:04Caleb Hammer?

  Right? No kid.

• 1:15:06Speaker 05

  No, yeah, I mean, we've got to get some kid under control before we even think about supporting another, another person.

• 1:15:12Caleb Hammer?

  And you might be able to. I hear you only have student loans. Is that correct?

• 1:15:16Speaker 05

  Uh, I have one loan out for three thousand. That's uh, for student loans. I took that out this semester. I have one more semester till I graduate. That's the only debt I have.

• 1:15:24Caleb Hammer?

  Thank. How the, what is she gonna do? She, what is she gonna do? She does nothing but, it's just a smiling here like a disgusting, oh my gosh. I'm, I'm sorry. I'm raging. I am actually raging. I feel my blood coursing. I am raging. I am raging. Uh. Okay.

• 1:15:48Speaker 05

  It's, it's something that needs to be discussed for sure.

• 1:15:50Caleb Hammer?

  Great. Absolutely. Fantastic. You didn't know how much debt she has. You guessed about 25% of it. You didn't know she has a payday loan, 100% interest, 100% interest. Yeah, all she does is just payday loan. You guys got a dog. It's an accidental dog. Whoopsie. I accidentally chose to adopt a dog. Oh no! Accidents, right? And she can't afford to take care, you're gonna bail her out. She's gonna go into more debt. She can't control herself. She can't not. And she can cook one meal a week. She has to get high every night before she goes to bed. There's nothing she can do in life successfully, except for somehow holding down a job. Let me guess, it's only because her boss is her best friend?

• 1:16:32Speaker 05

  Yeah, no, we, we talked about, you know, planning, planning a budget and everything like that, but as far as sticking to it, it's, it's yet to be seen, but it's something she's working on for sure.

• 1:16:48Caleb Hammer?

  This has been beyond enraging. I can't even express. I can't even express, buddy. Like this actually, um, kinda sucks.

• 1:17:03Speaker 05

  I hear you. I hear you.

• 1:17:08Caleb Hammer?

  I don't, I don't know what to do with her. How do I like literally, I can't get things through to her. I can't get things through to her. I, I try to explain the math that it takes to be able to have a kid in a year. By the way, do you want to have a kid in a year and a half?

• 1:17:22Speaker 05

  I'd like to graduate. I'd like to land a good job before, before I have a kid.

• 1:17:28Speaker 05

  Once, once that's done, I think, I think we'll be able to handle it, but uh, at, at this time and point, no, I don't think, I don't think a kid is in, is in the picture.

• 1:17:37Caleb Hammer?

  Yeah, she wouldn't need to spend $2,500 on a monthly basis to pay off her debt and have a fully funded emergency fund by the time you have a kid in a year and a and a half. So I don't think that's gonna happen is the thing. And she can't listen to me. I explain that and then she says, oh, I'll just cut back a little bit and I'll be out of debt. It's the process. It's gonna happen. I want to do it. I learned about the show six months ago. It's all gonna be good. Everything's gonna be fine. I cut back a little. I can't get through to her and I'm pissed. And I look like asshole on camera right now, a hundred percent, but people do not realize how absolutely enraging this is. To have to talk to someone like this, to literally have to, this is my requirement for the day is to do.

• 1:18:23Caleb Hammer?

  I'm not gonna complain, but this is so. Uh, maybe I am. I don't know. I don't know. But I, how are you gonna deal with this buddy? Cause I don't have a way.

• 1:18:35Speaker 05

  Uh, I don't know. I'm kinda, I was kinda hoping that uh, when she got the call, they know to come on the show that she could get some uh, some sense, talk some sense or maybe like shed some light on some situation.

• 1:18:47Caleb Hammer?

  She can't comprehend words and then she uses words that don't make the definitional sense of the word she's using.

• 1:18:56Speaker 05

  No, yeah, I hear you. I hear you. Uh,

• 1:19:00Speaker 05

  like I said, we've had conversations in the past about budgeting, about cutting back and everything like that, but uh, you know, I think, I think hearing it from someone, someone like yourself, I think that would help. Uh, as long as she, as long as she's open to change and open to uh,

• 1:19:18Caleb Hammer?

  She doesn't know what she has to do and she refuses to accept anything. But listen, just one word of recommendation, no, one, one, one recommendation to walk away with for you.

• 1:19:28Speaker 05

  One more recommendation.

• 1:19:31Caleb Hammer?

  No, just one recommendation for you, buddy. You're on the green. Please don't try to sink one in this hole.

• 1:19:39Caleb Hammer?

  Run.

• 1:19:41Speaker 04

  What the heck?

• 1:19:43Caleb Hammer?

  Listen, I don't know. This is

• 1:19:47Caleb Hammer?

  beyond stupid. I mean, it's so fucking dumb.

• 1:19:51Speaker 04

  That one is bad. I know.

• 1:19:53Caleb Hammer?

  What?

• 1:19:54Speaker 04

  That one is the worst.

• 1:19:56Caleb Hammer?

  The other ones weren't that you continually max out. The other ones weren't. The other ones actually were not. Huh? Were the other ones not?

• 1:20:05Speaker 04

  No, I'm just saying.

• 1:20:06Caleb Hammer?

  Exactly. Fucking stupid loan. Nah. $3,000 of IRS. Great. Oh, okay. Oh, my gosh. Okay, I need a second.

• 1:20:18Speaker 04

  I tried to.

• 1:20:19Caleb Hammer?

  Do you have something pleasant? That you're able to tell me? Just for a moment? This has been so far an hour and 15 minutes. It's just like I'm broken.

• 1:20:29Speaker 04

  Can tell you, show you pictures of my dog.

• 1:20:31Caleb Hammer?

  No.

• 1:20:32Speaker 04

  No.

• 1:20:32Caleb Hammer?

  Because that dog is dead.

• 1:20:35Speaker 04

  Mom.

• 1:20:38Speaker 04

  The loan also was like a way to try and build credit.

• 1:20:44Caleb Hammer?

  The IRS loan?

• 1:20:45Speaker 04

  No.

• 1:20:46Caleb Hammer?

  The first payday loan?

• 1:20:48Speaker 04

  Yeah.

• 1:20:48Caleb Hammer?

  I thought that would put a smile on your face.

• 1:20:50Speaker 04

  No. I didn't think, but the kinda, I'm trying to build credit.

• 1:21:00Speaker 04

  And the fact that I'm on a payment plan, that's good. That's process or progress. Sorry.

• 1:21:05Caleb Hammer?

  Forced payments. Listen, yeah.

• 1:21:08Speaker 04

  Not forced. They didn't make me do that.

• 1:21:10Caleb Hammer?

  You put yourself on a payment plan so you're forced to make payments. Because you can't manage your own money.

• 1:21:16Speaker 04

  Because I cannot pay $6,300 right now.

• 1:21:20Caleb Hammer?

  We could have budgeted out over a course of a few months, I bet you.

• 1:21:27Speaker 04

  Can try.

• 1:21:33Speaker 04

  Car.

• 1:21:36Caleb Hammer?

  Take a look at this.

• 1:21:44Caleb Hammer?

  I don't even see the, what's the balance? I don't see it. I just see the minimum monthly payment.

• 1:21:47Speaker 04

  Like 10,000? This login, you want me to see?

• 1:21:52Caleb Hammer?

  At what interest rate?

• 1:21:54Speaker 04

  Ooh, 24.

• 1:22:01Speaker 04

  Yeah, let's see. Let's see. No thanks.

• 1:22:10Speaker 04

  Balance. Hmm, yeah, 23.52. And the balance is 10,811.84.

• 1:22:24Speaker 04

  But it's the first car I could find and I really needed a car. My other one, I wrecked it. I had, yeah, bad wreck, totaled three cars. And then I had to find another car.

• 1:22:37Caleb Hammer?

  You totaled three cars, yeah?

• 1:22:39Speaker 04

  I did.

• 1:22:41Caleb Hammer?

  Yeah?

• 1:22:43Speaker 04

  It was an accident.

• 1:22:45Caleb Hammer?

  Yeah? Like your birth?

• 1:22:48Speaker 04

  Caleb, that probably wasn't an accident.

• 1:22:58Caleb Hammer?

  Term that's probably a billion years long and a minimum monthly payment you can't for, what am I doing here? What a waste of fucking, thanks for wasting my afternoon.

• 1:23:07Speaker 04

  Yeah?

• 1:23:09Caleb Hammer?

  The fuck though? I don't feel good. I walk away feeling good when there's a path that I can get people on. When people come back on the follow-up channel and they have

• 1:23:19Speaker 04

  I didn't think

• 1:23:21Caleb Hammer?

  Exactly. $100 in our checking accounts, just Starbucks, Apple.

• 1:23:29Caleb Hammer?

  Crab restaurant, rooster, it's all bullshit. It's all, oh, another page of fucking bullshit. For fuck's sake, man. For fuck's sake. That's all just, it's 11 dollars in savings. I'm sorry.

• 1:23:49Speaker 04

  Yeah, it's

• 1:23:52Speaker 04

  a mess right now, but achievable. To fix.

• 1:23:59Caleb Hammer?

  Not by you.

• 1:24:01Speaker 04

  That's what you think.

• 1:24:02Caleb Hammer?

  That's what I know. I've seen, I've done this for three years.

• 1:24:06Speaker 04

  That's where you're wrong.

• 1:24:12Speaker 04

  Also, I guess maybe now's a good time to tell you that my boss pays for my phone and my car payment.

• 1:24:22Caleb Hammer?

  Why did your boyfriend have to cover your phone bill?

• 1:24:25Speaker 04

  Because it probably went somewhere else.

• 1:24:31Speaker 04

  And when I said that's like once in a blue moon, it really is. It's like once in, maybe like every six months when I just like.

• 1:24:44Caleb Hammer?

  I'm just, I'm thinking of this in the moment. I'm just, I hate this. I am here. This is a real fucking conversation happening. I know when we're just sitting here watching it after the fact, it's like, oh, this is, you don't understand how rage inducing this actually is having, going through four of these conversations a whole week for three years. You can't use words. You are incorrect about everything you say. Everything is broken here and you're not going to do anything. And it's all so that you can just sit on your ass all day. If we're being completely honest, because you've hopped on a new hobby of having a kid. I'm done. I'm done.

• 1:25:24Caleb Hammer?

  And I, Jake, please mute her because I no longer want to hear her face. They can't hear you. They can't hear you. Please get up. Please get up. Up, stand.

• 1:25:35Speaker 04

  Okay. She's sweet.

• 1:25:38Caleb Hammer?

  And go over there where I'm going to put you in the green room. And I'm going to have 10 minutes of the post show without having to look at you because you annoy the fuck out of me. And I'm annoyed. And this sucks. And this isn't the best look of me. I'll be honest. But this is the reality of what's actually fucking happening here sometimes. And I'm being done. Don't end up like that. Okay? Download the Simple Budget app and you won't. Join us in the post show. After 10 minutes of calming down, we'll bring her in. I'll call her boss, but this.

• 1:26:15Speaker 04

  I just feel like it's wrong. No offense, Caleb.

• 1:26:18Caleb Hammer?

  That you ramped up again.

• 1:26:20Speaker 04

  You were kind of rude to me.

• 1:26:22Caleb Hammer?

  The personalities that I despise the most in this entire fucking world. Lindsay's going to call the boss and get that raise out of her. Save this woman's income.

• 1:26:40Speaker 00

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