Financial Audit’s First Divorce

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

• 0:00Speaker 00

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• 0:30Speaker 01

  Honey, that flu keeping you up?

• 0:31Speaker 02

  Yeah, I don't got this.

• 0:33Speaker 01

  You need Nyquil Intense Flu.

• 0:35Speaker 03

  Undo your flu symptoms with Nyquil Intense Flu. The nighttime sniffling, aching, aching fever, best leave with a flu medicine. You do got this. Use as directed, keep out of reach of children.

• 0:44Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. I no longer have trust in her, is what she said.

• 0:50Speaker 02

  But why is everything she says right, but I can't say [BLEEP] right?

• 0:53Caleb Hammer?

  Does she do manipulation talk? Because I'm starting to pick up on it.

• 0:55Speaker 05

  So talk about leaving me if I'm not bringing in more money.

• 0:58Speaker 06

  I told you that we have to figure something out.

• 1:00Speaker 05

  No, you came down on me about that job. I work 60 hours. I work six days a week. You think I don't know?

• 1:06Speaker 06

  They're screwing us. They're eating our bank account. It felt like you haven't cared about what's happening with our money.

• 1:12Speaker 05

  How do you think I don't care about our money, but I'm trying so hard to make a difference?

• 1:17Caleb Hammer?

  Download my new Simpler Budget app today and take control of your money once and for all. And as an extra limited time only bonus, I will give you a signed version of my budget-friendly cookbook for free when you sign up for Simpler Budget Premium Annual.

• 1:34Speaker 06

  Hey, I'm Sadie. I'm 23.

• 1:36Speaker 05

  Hey, I'm Nicole. I'm 26, and we live in Mobile, Alabama.

• 1:39Speaker 06

  And this is a financial audit.

• 1:42Caleb Hammer?

  The financial audit over here from Alabama. Things were coming in, guys. What do we do for a living over there? Start with you, the other one in front of me.

• 1:49Speaker 06

  I'm a cook.

• 1:50Caleb Hammer?

  Cook, like line cook, like Texas Roadhouse, we're talking like a nice place.

• 1:54Speaker 06

  That's a brunch spot.

• 1:55Caleb Hammer?

  Okay, so, hmm, okay. How much are you making?

• 1:58Speaker 06

  Uh, nineteen an hour.

• 2:00Caleb Hammer?

  Okay. Immobile, I honestly don't really know the cost of living in Mobile. I know Alabama's definitely lower in terms of the national, nationalized scale. What do you do?

• 2:08Speaker 05

  Uh, I'm in car sales, just got into it about three months ago, well.

• 2:14Caleb Hammer?

  Are you seeing commissions?

• 2:14Speaker 05

  End of January. Yeah, I am. They're screwing me over on my commission right now. So like, I'm waiting to get paid for like ten cars right now, you know.

• 2:24Speaker 06

  That are like a month behind being paid, month plus behind.

• 2:27Speaker 05

  Basically, so.

• 2:28Caleb Hammer?

  Why?

• 2:28Speaker 06

  It's.

• 2:29Caleb Hammer?

  The dealership?

• 2:30Speaker 06

  It's not a dealership, it's more of like a mom and pop type thing.

• 2:35Caleb Hammer?

  Okay.

• 2:36Speaker 06

  Not like mom and pop, it's just.

• 2:37Caleb Hammer?

  Even though those existed anymore for cars.

• 2:39Speaker 05

  Well, we're like the used car dealership from Mobile, Mitsubishi, um, so the one guy that, uh, basically, they're, they're just screwing me over. I haven't got paid for a lot of my cars. Whenever I go to ask my manager about it, he's like, oh, it hasn't been funded, um.

• 2:55Caleb Hammer?

  What, so the customers walk away with the car without it being paid?

• 2:58Speaker 06

  She'll get paid, it's just like, she sold ten cars in a week and they only paid her a hundred and eighty dollars. And she's supposed to get.

• 3:05Caleb Hammer?

  Your promised commission from that?

• 3:06Speaker 05

  So I'm supposed to get twenty percent of the gross pay, so basically whatever they make, I'm supposed to make twenty percent of it.

• 3:13Caleb Hammer?

  Twenty percent's a chunky percentage, okay.

• 3:15Speaker 06

  But they've only paid her, I'm so sorry.

• 3:17Speaker 05

  You're all good.

• 3:17Speaker 06

  They've only paid her like two hundred per car, even if we know that.

• 3:21Caleb Hammer?

  How much have you made? What did you make last month?

• 3:23Speaker 05

  So in February.

• 3:24Caleb Hammer?

  Total.

• 3:24Speaker 05

  I made three thousand and forty-two dollars and most of that is off bonuses, not off the cars I've sold.

• 3:30Caleb Hammer?

  What do you get bonuses for?

• 3:32Speaker 05

  So like if I sell six cars in a week, that's three hundred and fifty bucks. I'm leaving actually, I am going to a different job. I was just hoping it would be better.

• 3:41Caleb Hammer?

  Accepted?

• 3:42Speaker 05

  I have got.

• 3:43Caleb Hammer?

  What are you gonna make in this other job?

• 3:44Speaker 05

  It's so either I can pick the thirty-five hundred a month plus a flat rate on every unit that I sell. Or I can make strictly commission and I'm looking at making strictly commission because I love sales, I'm good at it and I make a lot of, I make a lot of sales a month.

• 4:02Caleb Hammer?

  Okay, the sales version of Ellen, gotcha. Nineteen dollars an hour for you. How many hours a week are you working?

• 4:09Speaker 06

  Uh, thirty-five to forty.

• 4:12Speaker 06

  It it's just

• 4:13Caleb Hammer?

  But you're gonna be funding the household for a while if she's going

• 4:15Speaker 06

  Oh, that was, that was the issue.

• 4:17Caleb Hammer?

  It might take a second.

• 4:19Speaker 06

  Well, she's been selling car, that was the thing is that she sells the cars. It's just, and I know that it normally takes a little bit for the cars to be fully funded and everything to go through, but like, like looking it up on Google, it said it shouldn't take more than a week or two. That's why most of them are like bi-weekly payouts.

• 4:34Caleb Hammer?

  How many cars do you sell?

• 4:36Speaker 05

  So my first month there, I ended up selling twenty car, on average, I sell fifteen to twenty cars a month.

• 4:41Caleb Hammer?

  Cars, you're lucky, you're on the lucky side of it. Everyone else gets, that's okay. Are you gonna be selling new cars, used cars?

• 4:48Speaker 05

  Uh, probably used cars until I get a little more down into it. This is my first time doing car sales, so usually

• 4:54Caleb Hammer?

  Then what's your commission gonna be?

• 4:55Speaker 05

  So my commission, they haven't told me that. They told me it's gonna be more than twenty percent, but that's why I still haven't put down.

• 5:02Caleb Hammer?

  More than twenty percent?

• 5:03Speaker 05

  Yeah, they usually do about twenty-five percent on bigger dealerships of for commission.

• 5:09Caleb Hammer?

  Geez, the margins on those things.

• 5:11Speaker 05

  So if you wonder why you're paying so much for a car, you're paying me too, buddy.

• 5:15Caleb Hammer?

  Well, yeah, everyone knows that, and that's why everyone hates you.

• 5:18Speaker 05

  Yeah, pretty much.

• 5:20Caleb Hammer?

  Okay, great. So we might for a second be living off of nineteen bucks an hour for thirty-five hours a week. For a second. Are you leaving this job before you get the new job? Before you walk into the new job?

• 5:31Speaker 05

  No, absolutely not.

• 5:33Caleb Hammer?

  It's not like you make much from it anyway, but that's okay. What hits your account on a monthly basis?

• 5:37Speaker 06

  Um, I'd say average about four thousand. I mean, two thousand. I'm so sorry.

• 5:42Caleb Hammer?

  Monthly?

• 5:44Speaker 06

  Like, yeah. Well, um, our business isn't as bumping, so my hours, I went from like forty-two hours a week down to like thirty-six, thirty-seven.

• 5:54Caleb Hammer?

  Over how long?

• 5:55Speaker 06

  Um, it's been, I've been sitting at thirty-six hours a week for like

• 5:59Caleb Hammer?

  Why don't we go be cooked somewhere else? Other places need food to be cooked.

• 6:02Speaker 06

  Because nobody pays you over ten dollars an hour. It's minimum wage is seven twenty-five in Mobile, Alabama.

• 6:07Caleb Hammer?

  No, I get it at seven twenty-five here, but no one makes less than eighteen.

• 6:10Speaker 06

  Nobody pays more than ten dollars.

• 6:12Caleb Hammer?

  Low-cost living area comes with lower pay.

• 6:14Speaker 06

  I mean, and then we've, we've tried, I mean, I've even tried getting a second job, but half the places that are hiring take six months to get back and

• 6:21Caleb Hammer?

  What's your resume at this point? I mean, you're twenty-three, you're on the younger side.

• 6:24Speaker 06

  I've

• 6:25Caleb Hammer?

  I assume you didn't go to college?

• 6:26Speaker 06

  No. Um, I

• 6:28Caleb Hammer?

  So what is going on here? What are we doing?

• 6:32Caleb Hammer?

  What is happening? What is happening?

• 6:37Speaker 06

  I don't know. We, I don't know. I've lost, I've lost faith that we can pay bills. This is the first time in a long time ever that I don't know how we're gonna be able to pay.

• 6:49Caleb Hammer?

  We have so much debt. If you've been able to pay for everything in the past.

• 6:52Speaker 05

  I was making really good money. We worked at the same restaurant. I was a server. I was bringing home fifteen hundred dollars a week.

• 6:57Caleb Hammer?

  Wait, the restaurant is at it now?

• 6:58Speaker 06

  She just, she just moved in January to Carcel's. She just moved.

• 7:02Caleb Hammer?

  Well, how much were you making?

• 7:03Speaker 05

  I made fifteen hundred dollars a week, but the problem is that the business completely died off. So I wasn't making any money.

• 7:09Caleb Hammer?

  Why did the business die off all of a sudden? What happened?

• 7:11Speaker 06

  I, we don't know. It's everywhere in Mobile though. That's why all of, everybody that we work with has two jobs.

• 7:19Speaker 05

  So like, for example, Texas Roadhouse, I used to work there. I used to be bumping every day. Now if you drive past Texas Roadhouse, there is nobody in the parking lot. Like, nobody's spending money in Mobile right now.

• 7:31Caleb Hammer?

  Okay, well, that obviously sucks.

• 7:35Speaker 06

  And when we were making money, obviously, we just weren't paying our cards.

• 7:41Caleb Hammer?

  Yeah, I mean, Mobile, it's been a declining population since about, what is that, 2000? Yeah, it's lost almost 20,000 from its 200,000, our 200,000 peak. So that's pretty brutal. That makes sense. Like, why are you guys staying in Mobile?

• 7:56Speaker 06

  We can't, we can't move. I mean, what are we?

• 7:59Caleb Hammer?

  What are you talking about? Everyone can move. You can move.

• 8:01Speaker 06

  I don't know. I'm just, I'm just scared. Like, so.

• 8:03Caleb Hammer?

  When I moved here, it was, yes, with a promise of, well, a sales job. It was only gonna be like 30,000 dollars a year. But I just packed up my sedan and moved.

• 8:12Speaker 06

  I'm banking, I don't know. I, this is the longest I've been with my job. I've been with them for three years. Um, I'm just.

• 8:18Caleb Hammer?

  Yeah, the job's declining.

• 8:20Speaker 06

  I know.

• 8:21Caleb Hammer?

  Like, there's the real world. You are, like, they're not entitled to your work. You can leave.

• 8:25Speaker 06

  I can't, I can't.

• 8:26Caleb Hammer?

  There's two sides of capitalism, right? There's the side where, there's the side where no one's paying you more than 10 in Mobile, but there's then, there's also the side where you don't have to be in Mobile.

• 8:35Speaker 06

  Well, we just bought a house too, so.

• 8:37Caleb Hammer?

  You just bought a house?

• 8:38Speaker 06

  We bought a house a year ago. No, we bought a house a year, a year and a half ago.

• 8:43Speaker 05

  It was a year and a half ago. We were making really good money.

• 8:46Caleb Hammer?

  I know so much more goes into this.

• 8:48Speaker 05

  Oh, yeah.

• 8:48Caleb Hammer?

  I know so much more goes into this than just what I'm about to say. But I come from the money side. I come from the real estate side. Why the are you buying a property in a literal declining town?

• 9:00Speaker 06

  We had, I mean, we needed a place to go.

• 9:02Speaker 05

  I want to move out of.

• 9:03Speaker 06

  Either that or on the street.

• 9:04Speaker 05

  I want to move out of Alabama. We cannot. We have ten animals.

• 9:08Caleb Hammer?

  You have ten? What are you doing? Huh?

• 9:11Speaker 05

  The strays, man. It's so bad.

• 9:14Caleb Hammer?

  Well, stop.

• 9:14Speaker 06

  Mobile, Mobile, we ship out, I mean, Alabama.

• 9:19Caleb Hammer?

  So because we can't, so because we can't stop petting pets, we literally have to invest in a declining.

• 9:25Speaker 06

  We didn't have that. We didn't have that many animals when we decided to buy a house.

• 9:29Caleb Hammer?

  Okay, then you're, then you both me. Then you both, you could have rented then.

• 9:32Speaker 06

  Well, but we did have animals was the thing.

• 9:34Caleb Hammer?

  How many?

• 9:35Speaker 06

  We have like two or three.

• 9:36Caleb Hammer?

  I've had two or three and rented.

• 9:37Speaker 06

  Okay, but it's a hundred plus. It's a hundred plus of money.

• 9:40Caleb Hammer?

  But you're not getting stagnant in a declining town.

• 9:46Speaker 06

  It happened. We're here now. I mean, we bought the house. We, I mean. It happened.

• 9:53Speaker 05

  I want to move Alabama, but it's, sometimes it's a little hard.

• 9:57Speaker 06

  Yes.

• 9:57Caleb Hammer?

  How long have you been married?

• 9:59Speaker 06

  We, we married in twenty-two.

• 10:02Caleb Hammer?

  How long have you guys been together?

• 10:04Speaker 05

  Twenty, twenty. So five years.

• 10:06Caleb Hammer?

  Okay, breaking the odds. Well done.

• 10:12Caleb Hammer?

  Hmm.

• 10:14Caleb Hammer?

  Are you guys both on the mortgage, John?

• 10:15Speaker 06

  Yes.

• 10:16Speaker 05

  Yeah.

• 10:16Caleb Hammer?

  Okay, okay.

• 10:22Caleb Hammer?

  What is your guys' relationship with money? Like, how do you guys operate?

• 10:26Speaker 06

  It, it kind of started like when we've, we got together when I was eighteen. I had no idea how to do any financial, anything. I never touched. I'm not saying, let me finish. Um, I'm not, I'm just, I'm just saying, you made me lose my train of thought. Oh, I just, I didn't know how finances work. She took care of me. She paid for everything. I lived in her house. Like, I had my own sugar mom. Yeah.

• 10:47Speaker 05

  I took care of.

• 10:48Caleb Hammer?

  You were her sugar mama.

• 10:50Speaker 05

  Her.

• 10:50Speaker 06

  More or less. Not really.

• 10:52Caleb Hammer?

  What, were you guys together?

• 10:53Speaker 06

  Yeah, we, we got together.

• 10:55Caleb Hammer?

  Yeah, you were eighteen.

• 10:56Speaker 05

  You haul man.

• 10:57Caleb Hammer?

  I know, I got it.

• 10:58Speaker 06

  I moved in, but, I mean, I didn't, she wouldn't even let me see her bank account. I wasn't working. I got to.

• 11:03Caleb Hammer?

  You wouldn't let her see it?

• 11:04Speaker 05

  No, because I mean, even whenever I did finally say something like, for example, she was smoking cigarettes really ba- bad and I would

• 11:11Caleb Hammer?

  Don't do that.

• 11:12Speaker 05

  And I told her, I was like, look, I don't know how I'm gonna pay for cigarettes. I really don't. I cannot afford it this month. I have bills to pay.

• 11:19Caleb Hammer?

  Her cigarettes?

• 11:20Speaker 05

  And she got

• 11:21Caleb Hammer?

  Wait, her cigarettes?

• 11:22Speaker 05

  Yeah, she got really snippy with me.

• 11:23Caleb Hammer?

  You're having a hard, the hard, tough conversation you guys had is babe, I don't think I can pay for your cigarettes this month? What's the why for you guys living?

• 11:34Speaker 06

  That I like, I said, well, you need to get another jo- I didn't say that.

• 11:38Caleb Hammer?

  Did she say that?

• 11:39Speaker 05

  No, I, I never once said that. You said that. I just

• 11:41Speaker 06

  That's where you're going to?

• 11:42Speaker 05

  That's not at all what I was going on. I was just gonna say, I told her I could not afford it. Uh, I don't know how I'm gonna pay for it. I'm really sorry. And she was just like, well, I, I don't know what else to tell you. I need, I need cigarettes. And I was like, I, I can't afford it.

• 11:58Speaker 06

  She said that for five years now.

• 12:00Speaker 05

  Why would, why would I just make it up though?

• 12:02Caleb Hammer?

  Well, it sounds like a pretty impactful moment on the terms of how the finances have worked in this relationship. Like she couldn't fund your horrible, disgusting smelling addiction?

• 12:15Caleb Hammer?

  And you just freaked out about it? Like?

• 12:17Speaker 06

  I didn't freak out. That's what I'm saying.

• 12:20Speaker 05

  That's, that's how it went. That's how I recall it. So, you know, if we recall it two different ways, it is what it is. Um,

• 12:29Speaker 05

  but no, I, I did have a, a conversation with her because I was taking care of her, my dad, and I just, I let her know, like, I, I have to buy groceries. I have to buy other things. Like I, I have to pay off my credit card because, uh, we'll get into it later. One of my credit cards, you know, uh, I owed some money on it back then and

• 12:48Caleb Hammer?

  She holding you back? She holding the financial part of the relationship back? Well, not anymore because you left a higher paying job. Now you don't make as much.

• 12:55Speaker 06

  That wasn't my money on her credit card either. That was before we got together.

• 12:58Caleb Hammer?

  Are you guys swapping who's the?

• 13:02Caleb Hammer?

  Who's holding back the boat?

• 13:04Speaker 06

  It's not that we're holding back, like, I mean, literally, we would go, okay, so we just went to a Mardi Gras ball. And like I told her, like, I wanted this dress. And I said, look, I need your help to not, like, to help me not spend this much money. I have a, a spending problem.

• 13:18Caleb Hammer?

  Okay, yeah, maybe control yourself.

• 13:20Speaker 06

  She told me to buy two dresses.

• 13:22Caleb Hammer?

  Agency? Are you incapable? Do you need daddy to still hold your hand at twenty-three?

• 13:27Speaker 06

  It'd be nice.

• 13:28Caleb Hammer?

  Yeah, if you're incapable of literally having any agency.

• 13:33Speaker 06

  I go to work, I pay the bills right now, I'm, I'm doing everything that I can.

• 13:36Caleb Hammer?

  Dresses you can't afford.

• 13:38Speaker 06

  We could afford it, it was in the bank account, it wasn't on a credit card.

• 13:40Caleb Hammer?

  You can't afford it if you have high interest credit cards.

• 13:44Caleb Hammer?

  I can't move, wah wah wah.

• 13:46Speaker 06

  Well, we can, it said I'm scared, we had the chance to move.

• 13:51Caleb Hammer?

  You couldn't.

• 13:52Speaker 06

  Okay, well, I'm scared, I was scared to move, that's what I told her, all of my family, my grandparents, this, that, the other, it's, now we can't. I was saying we can't now because we just bought a house. Five hundred.

• 14:03Caleb Hammer?

  You got two?

• 14:04Speaker 06

  I got one. I'm saying, I asked her, I was like, look, I really want this dress, this, that, the other, I was like, but I can't, like, we can't afford it right now, just help me, help me pick a different one.

• 14:12Caleb Hammer?

  Agency? I'm so confused. You're incapable?

• 14:17Speaker 06

  Oh, I'm capable.

• 14:19Caleb Hammer?

  I don't, not from that conversation, you need her to tell you, need? And then, when she doesn't, you're just like, oh, I'm gonna destroy our lives, ha, ha, ha.

• 14:29Speaker 06

  Yeah.

• 14:29Caleb Hammer?

  What? And we're okay with that?

• 14:33Speaker 06

  No, I'm not okay with it.

• 14:34Caleb Hammer?

  So how'd that go? How'd that conversation go then for you?

• 14:36Speaker 06

  Oh, that's what it was. Went exactly like that, I got a really good check from my job, uh.

• 14:41Caleb Hammer?

  Which one?

• 14:42Speaker 06

  Uh, the, the.

• 14:43Caleb Hammer?

  The [BLEEP] job?

• 14:44Speaker 06

  The [BLEEP] job, yeah, I got like a thousand and something dollars off a check, cuz fun, some of my cars had funded, or, I don't really understand, cuz they don't give me the car prices, they don't let me know how much I actually made off them, anything like that. So I finally got a good check, and I was like, this job is actually gonna be good, I'm actually gonna finally make money off this job. So I got excited, you know, so I told her, I was like, look, I'm gonna be able to pay for this dress, if you want to get to, sarcastically, I didn't mean it like that. But, you know, I thought I was gonna make good money. Encourages me to treat myself, to go get this and that done, she's like, oh, get this done, get that done.

• 15:18Caleb Hammer?

  Who's the spender? Who's the spender?

• 15:19Speaker 06

  I spend.

• 15:20Caleb Hammer?

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• 16:00Caleb Hammer?

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• 16:41Speaker 05

  I just, I don't do anything for myself, so I just feel like, you know.

• 16:45Speaker 06

  But a lot of the.

• 16:45Caleb Hammer?

  But can you guys afford it?

• 16:46Speaker 05

  Kind of do your thing.

• 16:47Caleb Hammer?

  Do your thing, but her thing impacts you.

• 16:49Speaker 05

  I thought I was gonna make money off this job. I really thought this job was gonna be okay.

• 16:54Caleb Hammer?

  This works, maybe make money first and then spend it?

• 16:57Speaker 05

  Well, it started coming in from that job because I was getting, I got two decent.

• 17:02Speaker 06

  She had 1,800 in a week. Like we, we just don't understand, like she sold the car.

• 17:08Caleb Hammer?

  Job and maybe I'd consume, I don't know.

• 17:10Speaker 06

  That's, that's our plan. We just, it's.

• 17:12Caleb Hammer?

  Actually.

• 17:13Speaker 06

  Actually, my grandmother.

• 17:14Caleb Hammer?

  You have a hardcore contract?

• 17:16Speaker 06

  Is an attorney, we're talking.

• 17:17Caleb Hammer?

  Did you sign?

• 17:18Speaker 05

  So right.

• 17:19Speaker 06

  That's the issue.

• 17:20Speaker 05

  No, there's not a contract.

• 17:21Caleb Hammer?

  Good luck, you're not gonna get anything.

• 17:22Speaker 05

  The only thing is.

• 17:23Caleb Hammer?

  Don't, don't waste your time suing if it's.

• 17:26Speaker 06

  But we don't want to sue.

• 17:27Caleb Hammer?

  Protect yourself, protect yourself.

• 17:28Speaker 05

  Yeah. I figured that out the hard way. I did, but now where I am going, I have, you know, I am doing contracts and everything.

• 17:38Caleb Hammer?

  I'm still concerned that you spend a trillion billion dollars. You don't want to, you tell her not to, then you tell her to. You just, what are we doing? How the are we gonna financially survive? You guys have broken the lesbian traditions. Congratulations, five years. But how are we gonna financially survive?

• 17:55Speaker 06

  We were making money. We just, so what we would do.

• 17:57Caleb Hammer?

  You got a check once.

• 17:59Speaker 06

  I'm not saying that check. I'm talking about when we were both working, when we were spending the money, we were making money.

• 18:05Caleb Hammer?

  What was making money?

• 18:07Speaker 06

  Bringing in six thousand dollars a month.

• 18:09Caleb Hammer?

  As a household?

• 18:10Speaker 06

  Yes, before she, before she got this job, she was bringing in fifteen hundred dollars a week.

• 18:15Caleb Hammer?

  Then what was the issue? Why didn't we budget on our new income once the money went down?

• 18:18Speaker 06

  Because we just kept spending the money as it would come in. And it wasn't just me spending money. It wasn't just me deciding to do this and that. It was us together. Like, but also we, I don't know.

• 18:30Caleb Hammer?

  Wasn't just you spending money?

• 18:32Speaker 06

  It's not just me. Those aren't just my credit cards with money on it.

• 18:35Caleb Hammer?

  Okay, so you have spending problems.

• 18:37Speaker 05

  No. Well, we'll get into it whenever we get into the credit cards. No, because you know what? My money goes towards, my money goes towards the stuff that you want. My money goes towards the, the animals. Like, that's what most of my credit card debt is to.

• 18:50Caleb Hammer?

  And listen, guys, even with your lower paying job with what you're getting paid now, combining with you, you guys make the median household income in Mobile. You guys were making two thousand hours above the median household income in Mobile before. You were doing okay. Now, for what it's worth, I was actually wrong earlier. Yes, it's the declining city, but somehow over the last few years, maybe because they're just, actually, I really don't know. I would have to do a deep dive, but the housing market is actually doing quite well there for what it's worth. So maybe you guys didn't make a completely dumb decision. I don't know if it's a long-term play, but you may have a safety net to get out of there if you really want to.

• 19:23Speaker 06

  We just wanted somewhere to, to, to settle for a few years before.

• 19:26Caleb Hammer?

  You don't buy a house for a few years.

• 19:29Speaker 05

  Yeah, but we got a neighbor that we are gonna talk to whether or not he wants to buy it because he owns like a cow farm.

• 19:36Speaker 06

  He owns like half the neighborhood we live in.

• 19:37Speaker 05

  And he rents out trailers and everything.

• 19:39Caleb Hammer?

  You're gonna talk to him. Have you had like, has he expressed interest?

• 19:42Speaker 06

  Yes. He wanted to buy it before we bought it, but it was owned by-

• 19:46Caleb Hammer?

  Will he buy it at the price you want?

• 19:48Speaker 06

  Well, that's, we don't know.

• 19:49Speaker 05

  Discuss that, or we've discussed renting it out to people.

• 19:52Speaker 06

  Um, ninety-five hundred?

• 19:54Caleb Hammer?

  Don't get into the landlord game. I don't think you're ready for that.

• 19:57Speaker 06

  I don't wanna do that. I don't wanna-

• 19:59Caleb Hammer?

  How much did you buy it for?

• 20:00Speaker 06

  Ninety-five thousand, not ninety-five hundred, my bad.

• 20:02Caleb Hammer?

  Ninety-five thousand? Oh my gosh, Mobile. Do I just, the f-

• 20:08Speaker 06

  We bought a land-

• 20:09Caleb Hammer?

  Is it time to just retire in Mobile?

• 20:11Speaker 06

  We bought a land and trailer. We bought a land and trailer. It's not like a house. But every house that you could buy in Mobile was three hundred thousand plus if you wanted to get on the loan.

• 20:21Caleb Hammer?

  Yes, then maybe you couldn't get a house yet, and that's okay. You're twenty-three.

• 20:26Speaker 06

  Well, I, it is what it is. We, we bought it.

• 20:29Caleb Hammer?

  It is what it is, so instead of actually trying to just change for the future, it is what it is. Come on.

• 20:34Speaker 06

  Well, I mean, we are trying to change. That's why we're here now. We need help. We need help to get out of debt and to move. That's the whole reason we signed up for this. I've been watching your videos. We've been watching your videos. I just, we have been talking for a year now on actually sitting down to a financial person. I've talked about it multiple times.

• 20:51Caleb Hammer?

  Why haven't you guys done it? It's been a year. You're freezing.

• 20:53Speaker 05

  It's so cold in here.

• 20:55Caleb Hammer?

  Well, I get stressed because I'm sitting across-

• 20:57Speaker 06

  Yeah. But, um-

• 20:59Speaker 05

  You're a celebrity, basically.

• 21:00Speaker 06

  We just, we just keep pushing stuff off. We would just keep, like, like what we would do is we would spend something on our, um, we would spend something on our credit card and then we'd be like, okay, when we get home, we'll pay it back because we would have it sitting in our account.

• 21:13Caleb Hammer?

  But a year, why haven't you guys done it? If you've been talking for a year, which is a great conversation to have, and I fully support that action, of course. And it is what it is to a certain extent. I just don't want us to be dismissive. It is what it is.

• 21:23Speaker 06

  Yeah.

• 21:23Caleb Hammer?

  Cause that's what sometimes it is what it is gets to. If it's it is what it is, now we just have to deal with it, okay, that's what I'm okay with. I just don't wanna use the dismissive part. But it's, why, a year talking about going to see someone? Haven't we? A year's not an insignificant amount of time.

• 21:40Speaker 05

  Yeah.

• 21:41Speaker 06

  It just hasn't, it just hasn't happened.

• 21:43Caleb Hammer?

  Why though? I want to hear a why. Why talk no action?

• 21:46Speaker 05

  Something else that screwed us over, the animals. It always comes down to the animals, okay? So that's where a lot of our debt comes down to.

• 21:53Caleb Hammer?

  What possibly?

• 21:54Speaker 05

  So there was this dog, we picked her up, um, she ended up getting pregnant, she had nine puppies, and then that costed us thousands of dollars because we went to the vet, we couldn't let them outside because of parvo, so that included pup, uh, puppy pads.

• 22:09Caleb Hammer?

  You guys obviously can't afford them and it's not fair to them to have them.

• 22:13Speaker 06

  We don't have them. They, um, we found them everybody homes. We, we picked her up.

• 22:16Caleb Hammer?

  How many do you have now?

• 22:18Speaker 06

  We have ten animals.

• 22:19Caleb Hammer?

  You can probably not, you can't, you, didn't you open this conversation with, I don't know how we're gonna pay our bills?

• 22:24Speaker 05

  Hmm.

• 22:25Caleb Hammer?

  So you cannot afford, it's not fair to them. You're not giving them the best life.

• 22:31Speaker 05

  There is nothing else you can do in Mobile. You can't rehome animals. There's.

• 22:35Caleb Hammer?

  You can't rehome animals? That's against the law in Mobile?

• 22:38Speaker 05

  In Mobile, it's not gonna happen. Once you get a dog and it's a stray.

• 22:41Caleb Hammer?

  Are there other towns in three hour radiuses of Mobile that you can post?

• 22:45Speaker 06

  Okay, but look, what we're trying to say is that anywhere you go, they, they pick, animal control picks up like a hundred dogs a day in Mobile. We are constantly, we just, they just picked up twenty German Shepherds.

• 22:56Caleb Hammer?

  I love, I, I, no, no, I love what you guys are doing. I love what you guys are doing, but you are in a position now, you can't just say it's impossible to rehome, when you can probably find other, other communities within three hours where you can meet halfway, where you might be able to rehome. That's all I'm saying. I'm not against what you guys are doing as a general concept.

• 23:16Speaker 06

  We've tried. We've tried rehoming animals. We've, we have those.

• 23:18Caleb Hammer?

  In Mobile!

• 23:19Speaker 06

  Not in Mobile.

• 23:20Caleb Hammer?

  That's what I was just told.

• 23:22Speaker 05

  It's so hard for anybody to get rehomed to the point where they are literally putting animals on planes and shipping them off to other states.

• 23:29Caleb Hammer?

  It is very difficult.

• 23:30Speaker 05

  Because it is.

• 23:31Speaker 06

  They threw, people were throwing them.

• 23:32Caleb Hammer?

  How much do you go spend on these pets on a monthly basis?

• 23:34Speaker 05

  Two fifty, I think we decided. We, we added up the numbers. It was two fifty that we spent on the animals.

• 23:41Speaker 06

  We're on dirt. They don't scratch. We don't have fleas. We, we bathe everybody like once a week.

• 23:46Caleb Hammer?

  Yeah, I'm not saying you're doing it bad, but what if someone gets sick? That's my concern. If you can't afford. To pay your own bills when you afford.

• 23:52Speaker 05

  The vets are where we live. I mean, they are absolute crap. We've, we've taken.

• 23:57Caleb Hammer?

  Cause everything I'm hearing is a mobile can't do anything there.

• 24:00Speaker 05

  That's what I keep trying to say, but.

• 24:02Speaker 06

  It's, it's, she blows it down to me that we haven't left and, and it is. It is me, but I, like I said, I'm, I was scared to move. I was scared.

• 24:11Caleb Hammer?

  You're saying was though.

• 24:13Speaker 06

  I still am.

• 24:14Caleb Hammer?

  Oh, why?

• 24:15Speaker 06

  Because my grandparents are old and I know that's. Yeah.

• 24:19Caleb Hammer?

  No, that's not stupid.

• 24:20Speaker 06

  My whole family's there. My family is everything and I get.

• 24:23Caleb Hammer?

  No, no, no, that's not stupid.

• 24:24Speaker 06

  I'm just saying that towards her that like, I get you're ready to go, but I am younger. It has taken me longer to learn stuff.

• 24:33Caleb Hammer?

  Infantilize yourself. I was undecided until you started to act like a classic. That's what everyone, everyone that dude, when I was eighteen, I was so excited. I will, I'm an adult. I'm gonna go do.

• 24:46Caleb Hammer?

  That's not what I'm saying. I'm saying everyone your age is so infantilizing. Right. I don't understand. Everyone is maturing so much slower and everyone is obsessed with, I'm young. I'm a kid. I don't know what happened.

• 25:02Caleb Hammer?

  What happened? Cause everyone I talked to your age acts like they are a child and a victim like, oh my gosh, I'm a twenty eight year old, sixteen year old. What the is happening? Like I, it's blowing my mind. I've seen it online every day.

• 25:17Speaker 05

  That I was scared to move at the time.

• 25:21Speaker 06

  I mean.

• 25:24Speaker 05

  We do, we cannot move because in order for you to make a profit off your house, you have to live in your household for two years. And then that's just to cover the taxes.

• 25:34Caleb Hammer?

  Depreciating NASA as well. You're probably gonna have to take a loss, but maybe the land you'll be okay. Cause you got the land.

• 25:40Speaker 06

  Yes.

• 25:41Caleb Hammer?

  Might be okay. I don't know about the trailer.

• 25:55Speaker 07

  This is uplifting. You stay classy, San Diego. Watch Tommy Boy, Crazy Ex Girlfriend, Anchorman, The Legend of Ron Burgundy, The Ex Files, Wayne's World, and so much more.

• 26:05Speaker 07

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• 26:13Caleb Hammer?

  I am not pushing against you of the fear. I totally get it. That the only, only thing that kept me in Kalamazoo for a while was my family. That's the only thing that still draws me, my, you know, my heart to Kalamazoo is the family.

• 26:27Speaker 06

  I just got so emotional because it's a conversation we've had a lot, you know?

• 26:31Caleb Hammer?

  I get that, but I don't want to hear the, I'm 23, I'm still young.

• 26:34Speaker 06

  I didn't say that. I was young now.

• 26:36Caleb Hammer?

  Yes, you did. Did she say that?

• 26:37Speaker 06

  I was young. I said I was scared because I was young and I had family and I didn't know how finances work.

• 26:43Caleb Hammer?

  What's was? A year ago?

• 26:46Speaker 06

  When we got together, two, three years ago, before we bought a house, before we had plans of buying a house.

• 26:51Caleb Hammer?

  What are you associating to, though? I'm just trying to figure out, I'm trying to figure out what you're saying. When you are saying was, what the fuck are we even talking about was afraid?

• 26:59Speaker 06

  Like, I had never paid bills before. I didn't have-

• 27:02Caleb Hammer?

  When?

• 27:02Speaker 06

  Oh, I'm sorry. Like, two, three years ago, I pulled my first, opened my first credit card.

• 27:07Caleb Hammer?

  Then why are we talking about that? I don't give a fuck about that.

• 27:09Speaker 06

  I don't even know.

• 27:10Caleb Hammer?

  I can't, what are you, okay.

• 27:13Speaker 06

  I think you asked me why we-

• 27:14Caleb Hammer?

  It's okay to feel, it's okay to feel anxiety. It's okay to feel that. It's okay to want to be close to family. I'm not against that. I just don't want you to be in the perpetual state that so many people are.

• 27:24Speaker 06

  Yeah.

• 27:25Caleb Hammer?

  That in their young twenties of thinking they're fucking like 12. It's such a common thing now. I don't know what's happening.

• 27:31Speaker 06

  I'm ready to go now. I just hate that way.

• 27:33Caleb Hammer?

  Well, she said you're the one that's preventing from leaving. And it's because of the family, which is a valid reason. But maybe you can live still like a few hours away with better economic opportunities.

• 27:42Speaker 06

  Yeah.

• 27:43Caleb Hammer?

  Like,

• 27:45Caleb Hammer?

  Alabama, Mississippi aren't really known for best economic opportunities. Where do we think we are on the world? The zero to 10. I'm gonna go three, two, one, go on, go at the same exact time. What possibly you're gonna say? I'm explaining how it's scored. What are you possibly gonna say? Okay. I'm gonna go three, two, one, go on, go. I want you to give me your household financial score. Zero to 10, zero being the absolute worst, 10 being the absolute best. Three, two, one.

• 28:10Speaker 06

  Three.

• 28:11Caleb Hammer?

  Ah, yes. Have you guys discussed? Okay. If you want your Hammer financial score, take the assessment, see where you are. Go to kalamhammer.com. Link in the description below. It's a fun little time. If you want to come on this show. Come on the show. Caleb Hammer dot com slash apply. I'd be happy to have you on. So let's start with the Discover card. There's a dog on the picture of this Discover card. Is this all animal debt?

• 28:37Speaker 05

  Uh, I'll say like, probably like twenty, ten, twenty percent of it's animal debt.

• 28:43Caleb Hammer?

  Well, that's not enough.

• 28:44Speaker 05

  Yeah, we.

• 28:45Caleb Hammer?

  So what the fuck is up?

• 28:46Speaker 05

  The other thing is gonna be, we went on a Colorado trip. We would go on yearly.

• 28:50Caleb Hammer?

  There's, I was, you know, I didn't even think about that. I didn't even think about that. She talked about Colorado, but the fact that you literally cannot even afford to pay your own bills at home. How the fuck are you going to Colorado?

• 28:59Speaker 05

  Well, this is when we could afford our bills, so.

• 29:01Caleb Hammer?

  Are you sure? Because you put it on a credit card and it's not paid off. So I don't know if you could afford it. Is that how afford it means? I don't think that's how afford it means.

• 29:08Speaker 05

  What we planned to do is, uh, and you're gonna yell at us, but what we planned on doing was paying it back with our taxes, but then we found out our job wasn't taking enough taxes out of our paycheck. So we ended up owing our taxes.

• 29:20Caleb Hammer?

  Withholding. Okay.

• 29:22Speaker 05

  Well, we were gonna put our taxes towards it and then, uh.

• 29:25Caleb Hammer?

  You're talking about a return as in they took too much money. What are you guys talking about?

• 29:28Speaker 05

  No, our, our job wasn't taking enough money. So now we owe.

• 29:31Caleb Hammer?

  I know enough money. You're expecting your job to take too much money because that's the only reason you'd get money back.

• 29:37Speaker 05

  And that's what we thought was happening, but it turns out they weren't taking out enough.

• 29:41Caleb Hammer?

  Why'd you even think that?

• 29:42Speaker 06

  We, because we were putting extra up, but we were exempting. It says, it said exempt instead of extra withholding.

• 29:48Speaker 05

  Because even our tax lady was confused about it. We got her to look it over and it said, how much extra do you want to withhold? But for some reason it.

• 29:55Caleb Hammer?

  Why would you want to withhold extra?

• 29:57Speaker 05

  So that we thought we were giving them extra.

• 30:00Caleb Hammer?

  Why would you want to give them extra?

• 30:02Speaker 06

  We don't want to pay three thousand at the end of the year. It's not, it's not about a return. It's, it's, we owed three thousand because they weren't taking, they weren't withholding enough. Any other job that we've worked at, like we've, um, either not had to pay or.

• 30:15Caleb Hammer?

  Just incapable thing. It's like.

• 30:18Speaker 05

  I've never owed taxes before, so whenever they came back and said that, I was so surprised.

• 30:23Caleb Hammer?

  The fact is, if you are giving them less in terms of withholdings, you have more money. And if you are budgeting properly, shout out to the simpler budget app that I made, which you guys should can use. Seriously.

• 30:36Caleb Hammer?

  If you guys are actually budgeting properly and you have more money because you're withholding less, you will put that towards savings. You will have more savings. The tax bill wouldn't be terrifying. And by the way, while you have that savings, it would be accruing interest in like a high yield savings account. The ideal situation is get to withholdings to where you aren't returning any money. You're not owing any money either. That's the ideal situation. Guys, I just wanted to say an extra thank you for making simpler budget an incredibly popular app. I wasn't expecting it, but we literally get like thousands of downloads a day. And a lot of you are actually changing your financial future and we've been hearing from you. So thank you all for supporting us. We just wanted to continue to say thank you and give people the opportunity to try out the app. So we still have a two week free trial in there for the premium version.

• 31:18Caleb Hammer?

  And of course, everyone that signs up for an annual version, at least for this next quarter, will get a founder's edition, simpler budget notebook, and it is signed by me, sent directly to you. So that's a special thank you for putting your trust in us to create an amazing budgeting app. And let me tell you, the features that we're going to release throughout this next year are about to be crazy. I'm going to make this the best budgeting app that has ever existed. Seriously, download simpler budget now. It's incredible. The time to take control of your finances is literally right now. And as an extra limited time only bonus, I will give you a signed version of my budget friendly cookbook for free when you sign up for simpler budget premium annual.

• 32:01Speaker 06

  Of course, and that's just what we wanted, but like that's what that's.

• 32:03Caleb Hammer?

  Then why were you expecting a big chunk of money if that's what you wanted?

• 32:06Speaker 05

  Because we were putting extra towards our taxes.

• 32:08Caleb Hammer?

  Why would we do that?

• 32:10Speaker 05

  We wanted to do that to make sure we didn't owe them anything.

• 32:13Caleb Hammer?

  But why are we doing so much that we thought we were going to get a big chunk of money? See how.

• 32:17Speaker 05

  Because we just, I've never owed taxes normally. I get a couple thousand back and whenever I didn't.

• 32:22Speaker 06

  Even when I was making like seven twenty five an hour, I think I ended up getting like $400 back. Um, so making more.

• 32:28Caleb Hammer?

  So you owe taxes at one point. That's what I'm picking up.

• 32:31Speaker 06

  We owe taxes now, no longer.

• 32:34Speaker 05

  It is accruing interest right now.

• 32:36Caleb Hammer?

  Wait, what year was this?

• 32:38Speaker 05

  Last year.

• 32:39Caleb Hammer?

  It was 2023's taxes owed in 2024?

• 32:42Speaker 06

  Twenty.

• 32:44Caleb Hammer?

  Or is it 2024's taxes?

• 32:45Speaker 06

  Twenty twenty four's taxes.

• 32:46Caleb Hammer?

  No, it's not. It's not last year's taxes. You haven't, have you filed last year's taxes?

• 32:49Speaker 05

  Twenty twenty three taxes that we owed in 2024.

• 32:52Caleb Hammer?

  Okay, so yes, and how much was it?

• 32:56Speaker 06

  Three thousand.

• 32:56Caleb Hammer?

  You guys haven't paid?

• 32:57Speaker 05

  No.

• 32:58Caleb Hammer?

  And it's accruing interest?

• 32:59Speaker 05

  So now we're at thirty three.

• 33:00Caleb Hammer?

  Well, I'm sure that'll be in this pile for fuck's sake. I'm going in blind because I like to experience it with the audience. Okay, okay. So when did you take the Colorado trip?

• 33:12Speaker 06

  Last January.

• 33:14Speaker 05

  Yeah, and twenty four. So, uh.

• 33:17Caleb Hammer?

  So you haven't had filed the taxes yet for twenty twenty three at that point?

• 33:21Speaker 06

  Right.

• 33:22Caleb Hammer?

  Okay, and you thought you were gonna get a return?

• 33:25Speaker 06

  Because we.

• 33:26Caleb Hammer?

  That doesn't, actually, that doesn't make any fucking sense, guys. You're saying in twenty twenty three.

• 33:32Speaker 06

  So wait.

• 33:32Caleb Hammer?

  No, entirety of twenty twenty three, you were putting more towards taxes.

• 33:37Speaker 06

  Right.

• 33:38Speaker 05

  We thought we were putting more towards taxes.

• 33:40Caleb Hammer?

  But you actually put less?

• 33:42Speaker 06

  It was, it was under exempt instead of withhold.

• 33:45Speaker 05

  We don't, even our tax lady was really confused.

• 33:48Caleb Hammer?

  But you're not talking about twenty twenty fours last year. You're talking about twenty twenty three, you thought you were paying more?

• 33:53Speaker 06

  Yes.

• 33:53Speaker 05

  Yes.

• 33:54Caleb Hammer?

  Okay.

• 33:55Speaker 06

  This year, we, twenty twenty four, we did pay more. We paid an extra fifty bucks a week because we owed three thousand. So I don't, I think.

• 34:02Caleb Hammer?

  It's fine.

• 34:03Speaker 06

  Yeah.

• 34:06Caleb Hammer?

  We'll talk about the tax that.

• 34:09Caleb Hammer?

  Okay, so how much you owe in taxes?

• 34:11Speaker 06

  Three thousand.

• 34:13Caleb Hammer?

  Okay, taxes, this is twenty twenty three's taxes. What's the interest rate?

• 34:18Speaker 06

  Um.

• 34:18Caleb Hammer?

  I'm sure it's more than three thousand. You said it's a growing interest.

• 34:21Speaker 05

  It's at like thirty three hundred right now.

• 34:23Caleb Hammer?

  Are you ready for them to garnish your wages?

• 34:25Speaker 05

  We planned on filing taxes and finally sitting down and paying it off. So.

• 34:31Caleb Hammer?

  And you have filed last year's?

• 34:34Speaker 05

  No, we've been scared, so we just haven't filed.

• 34:37Speaker 06

  Oh, yeah.

• 34:38Speaker 05

  Yeah.

• 34:39Caleb Hammer?

  What were you gonna say?

• 34:40Speaker 06

  It's, we don't, we don't have money to file taxes right now, like to pay somebody to file.

• 34:43Speaker 05

  Somebody to do it. Cause I, well.

• 34:46Caleb Hammer?

  Pay somebody?

• 34:47Speaker 06

  Like to do your, to file your taxes for you?

• 34:50Speaker 05

  She likes to go to somebody and I like to do it.

• 34:53Caleb Hammer?

  Why would you need it? Why would you, why would you need to go to someone? You literally.

• 34:56Speaker 06

  I've never, I've never done it.

• 34:58Caleb Hammer?

  Dude, I'm not even pro TurboTax. I think oftentimes what they try to do with their fees and stuff isn't actually great. But you guys should totally just use TurboTax. You have the most normal job in the world. You do not need a CPA.

• 35:12Speaker 06

  I've just never done it online. I've always.

• 35:14Caleb Hammer?

  Why?

• 35:15Speaker 06

  Because that's how we've done it. Because we know somebody that does taxes.

• 35:18Speaker 05

  And some of her family kept recommending we go to these people because we could get a decent amount back.

• 35:23Caleb Hammer?

  You don't have a, but you guys don't, decent amount back? Really? What would you be? What the

• 35:30Speaker 05

  So that's why I'm a little aggravated right now is because you know I usually did it myself but then we finally go to somebody and it finds out we owe $3,000 and I'm like how do we go to somebody and we owe more but I've never had

• 35:42Caleb Hammer?

  Do use this any tax filing service. I think there's a free one on the government's website.

• 35:47Speaker 05

  Well, we'll do that. I think you could do it on Credit Karma. They use TurboTax actually, I think.

• 35:51Caleb Hammer?

  Yeah, it's Intuit thing.

• 35:56Caleb Hammer?

  It's the company that owns it all. Yeah, Free Tax USA. I don't know, maybe there's a fee on that, but why don't you try that? I'm sure it's my, I don't know, I don't know. It's just so stupid. Free is in its name, but yeah, the IRS has one. Um, okay.

• 36:13Speaker 06

  I think it's, I think you can pay what you want monthly towards it. I think you can set however much you want.

• 36:19Caleb Hammer?

  And let them just accrue that interest forever? Or are you gonna wait till they garnish your wages?

• 36:24Speaker 06

  No, we just, we don't, I mean, I want to pay our mortgage before I pay anything else. So until we can get some more money rolling in, um.

• 36:34Caleb Hammer?

  I do understand that, but you weren't struggling to pay your mortgage last year. You're again, you seem like, hmm hmm. You say things for sympathy. I'm starting to pick up on this. Almost some like manipulation talk.

• 36:45Speaker 06

  Yeah.

• 36:45Caleb Hammer?

  Like, yes, I know right now you prioritize the mortgage. We weren't talking about right now. We talked about how you literally didn't do anything last year when you made 2,000 hours more than the median household income. Does she do manipulation talk? Cause I'm starting to pick up on it.

• 36:58Speaker 05

  So what we, what we were gonna do is we were gonna

• 37:00Caleb Hammer?

  Answer the question.

• 37:01Speaker 05

  No.

• 37:02Caleb Hammer?

  Are you sure?

• 37:03Speaker 05

  So what we were gonna do

• 37:04Caleb Hammer?

  So you don't get a mouthful later.

• 37:05Speaker 05

  So What we were gonna do anyways for taxes and everything is we were gonna, um, we, we planned on going on the monthly plan and then a coworker had came up to me and she's talking about how she's on this monthly plan for income taxes.

• 37:20Caleb Hammer?

  Yeah.

• 37:20Speaker 05

  So if you notice, you're gonna get this thing scared. That seems to be what holds us back all the time. We were gonna go on the monthly plan, but then a coworker came back to me. She's talking about how she paid the monthly. But then the IRS came back talking about she didn't make her payment. So they took off more, like more out of her, uh.

• 37:36Caleb Hammer?

  Maybe she didn't make what was a minimum required and maybe you're allowed to pay more than the minimum.

• 37:41Speaker 05

  I'm not sure what happened with it, but basically she was talking a lot of smack about making

• 37:45Caleb Hammer?

  Why don't you guys just literally just talk to the IRS? They want their money. They're actually, they're, they'll actually be quite generous about it. If you actually just communicate with them.

• 37:53Speaker 06

  I don't know why we haven't. I just

• 37:56Caleb Hammer?

  That seems to be your answer for everything is I don't know why we did this, this, this. We do everything, but we never know why.

• 38:01Speaker 06

  It just, it made sense at the time. I mean, it made sense to spend the money.

• 38:06Caleb Hammer?

  On what?

• 38:07Speaker 06

  On, at any point in time, whatever you're looking at, it made sense to spend the money.

• 38:12Caleb Hammer?

  Last year. Why did that make sense?

• 38:15Speaker 06

  What part?

• 38:17Caleb Hammer?

  You said it made sense.

• 38:19Speaker 06

  I don't know what we're talking about anymore.

• 38:20Caleb Hammer?

  What you were just talking about. You said it made sense to spend the money.

• 38:26Caleb Hammer?

  How'd it make sense?

• 38:28Speaker 06

  It just, it did. I don't.

• 38:30Caleb Hammer?

  No, give me a fucking reason. Good.

• 38:32Speaker 05

  That's what it is.

• 38:33Caleb Hammer?

  You are.

• 38:34Speaker 05

  So, the puppies, we had the puppies back then. I don't think we got rid of them until after.

• 38:38Caleb Hammer?

  Thank you.

• 38:39Speaker 05

  Yes, that's what happened dude. So they were, they were screwing us, all them puppies, man. It was.

• 38:43Caleb Hammer?

  That you chose.

• 38:45Speaker 05

  Yeah, um, so all the puppies, we were spending thousands of dollars. That's what some of that Discover card debt is.

• 38:52Caleb Hammer?

  Yes, let's go back to Discover card. So the minimum payment is one forty-four. It's a substantial chunk. It's already like fifteen percent. No, no, no, no, no, no, no, no, no. Like seven percent of our income that's coming in, which is crazy.

• 39:04Speaker 05

  And then another thing is a lot of that.

• 39:06Caleb Hammer?

  Purchases. You're purchasing. Why is this? You went from five thousand one hundred sixty-three dollars to five thousand three hundred sixty-two dollars. What are we doing? It went up two hundred dollars because you purchased two hundred and fifty-seven dollars on there with one hundred and twenty-three dollars and seventy-one cents of interest. Are you both on this credit card? Whose credit card is this? Is something more important than happening that changing your financial future?

• 39:27Speaker 05

  I was gonna see actually what I made purchases on.

• 39:29Speaker 06

  Is it?

• 39:30Caleb Hammer?

  How, well, how would I tell you? Put your phone away.

• 39:31Speaker 06

  Oh, sweet.

• 39:33Caleb Hammer?

  Jeez. Guys, how long does this take to pay off only doing minimum payments, which is what you do, but not purchasing anything what you are incapable of doing? How long does it take to pay off?

• 39:41Speaker 06

  It's gonna take a very long time.

• 39:43Caleb Hammer?

  That's an interesting number. How long does it take to pay off?

• 39:47Speaker 06

  I don't remember what number it gave me. I feel like it said twenty-seven years or something like that.

• 39:51Caleb Hammer?

  So you actually looked at it? Yeah, we're still purchasing on it. It takes twenty-two years.

• 39:54Speaker 06

  What did we purchase?

• 39:56Caleb Hammer?

  How much did you tell me, actually, but without looking at your phone? You went, you're destroying your life, you're purchasing. What did you purchase on?

• 40:07Speaker 06

  I don't know.

• 40:08Caleb Hammer?

  Wow, guys. Okay, okay. You do not leave. You do not leave this studio until you download and sign up for the simpler budget app. We made it literally for people to just budget in a simple way. It is so easy. Take advantage of the community feature in there. There's all these new pricing rules, all these new features that we're adding on a consistent basis. Just do it. Do it. And you guys get this. You guys get the simpler budget founders edition. Notebook that you are going to journal in over the course of your journey from the show. And then I'm going to read over it when you guys come back on the follow up channel. If you guys want this, I'll give you a signed version. All you have to do is sign up for the annual version of the simpler budget app.

• 40:50Caleb Hammer?

  You can take a trial first and see if it is worth it to you, but um make sure you guys got it. It just, it makes everything so much easier. It is simple. It is automated. Download, sign up for simpler budget. Then you would be able to tell me what you purchased on. Starbucks.

• 41:08Speaker 05

  Starbucks?

• 41:10Caleb Hammer?

  Popfit. Sky Cloud 24. Beauty Supply.

• 41:19Speaker 05

  I'm gonna go with. Is Beauty Supply the lash place?

• 41:24Caleb Hammer?

  Who's lashing up?

• 41:25Speaker 05

  The eyebrows?

• 41:26Caleb Hammer?

  No one's lashed.

• 41:27Speaker 05

  Or something?

• 41:28Speaker 06

  No, that was maybe for the ball.

• 41:31Caleb Hammer?

  It was $62. $62. $62. $62. Literally $62.

• 41:37Speaker 05

  Yeah.

• 41:39Caleb Hammer?

  Household brings a 2000. That was 3%. 3% of your household income went to a beauty. One purchase of beauty. Okay?

• 41:52Caleb Hammer?

  Instead of ball? What ball?

• 41:54Speaker 06

  Mardi Gras ball.

• 41:55Speaker 05

  We had it planned for like a year.

• 41:57Caleb Hammer?

  And that's where you bought the dress, right?

• 41:58Speaker 06

  Yeah, we bought the tickets a year ago.

• 42:01Caleb Hammer?

  Now you're getting the beauty purchases and the what's Sky Cloud and then the Popfit and Starbucks.

• 42:07Speaker 06

  Popfit, um, they were doing.

• 42:09Caleb Hammer?

  You went to the cleaners, Jaguar cleaners.

• 42:10Speaker 05

  That was for the Mardi Gras ball again. We had to get the, no, we had to get your dress dry cleaned. And the other thing was, we had a hard time keeping up with our cards, our debit card, because our car will actually eat our debit card.

• 42:25Caleb Hammer?

  Huh?

• 42:26Speaker 05

  So like-

• 42:27Caleb Hammer?

  Your car will eat-

• 42:27Speaker 05

  Right underneath our radio, if you put your debit card in there, it slides into this little hole.

• 42:33Speaker 06

  I-

• 42:34Caleb Hammer?

  What, you have to pay to use it?

• 42:37Speaker 06

  No, we would just put it in there and then our cards would fall in this hole. Um, so then we would just use our credit cards because we couldn't find our debit card.

• 42:46Caleb Hammer?

  Are they actually children? What is happening? Oh, maybe you should infantilize yourself.

• 42:53Caleb Hammer?

  Oh my gosh. Okay, you guys are not credit card people. You can use the Fizz card. That's the one card I will allow you to use that builds credit because it's like, it's a debit card. It's attached to your checking account. It doesn't let you spend more than in there. That's what our audience uses. That's what you will use. That's what I would use if I was in your situation. It is accruing interest. It is bullshit. You went through the cleaners twice. Apple Pay, yeah, that's with Starbucks, and then you went to the market. Apple? It's all fucking bullshit. And we decided to make the balance go up on a credit card that we can't pay off the accruing interest and we're sitting here. And you immediately said, "I don't know how we're gonna pay off bills this month." You've $500 on a dress. You spent 25% of the household income on a dress.

• 43:37Caleb Hammer?

  Off. Off. You can't- I want to have sympathy. I want to come here and be like, "You guys have really cut it down to the bone. We can't pay for, uh, we can't pay for anything. This is hard. Let's find a solution." No! You spent 25% of your income on a dress! And you're like, "Oh, I guess what? I know, I'm gonna spend money. Please help me not spend money. Please help me not spend money." Oh my goodness, wait, I'm, I can't control myself. I'm gonna spend money. Oh no, I'm-

• 44:08Caleb Hammer?

  Yeah, no sympathy. There.

• 44:11Caleb Hammer?

  Quicksilver. Who has the Quicksilver? Who's this? The Discover card?

• 44:14Speaker 05

  That was my Discover card.

• 44:16Caleb Hammer?

  Who's the Quicksilver? So you do spend, like- So it's not just her being the spending problem. Look, you made that card go up by $200.

• 44:25Speaker 05

  Yeah, yeah.

• 44:27Caleb Hammer?

  When I started getting my finances in order, I wish I had today's tools. They would have not only helped me get ahead, but also stay on track. So if you're a college student or just not a credit card person like I was, meet today's sponsor, the Fizz Card. It's a debit card that not only helps you build your credit, but also manage your money. With Fizz, say goodbye to hidden fees, hard pulls, or killer interest rates. It's purely a debit card that helps you build your credit. And here's my favorite part. Fizz syncs with your bank account and sets spending limits based on your actual balance. That means no more blowing your budget on Takeda trips or impulse purchases. Fizz isn't just about keeping your budget tight. It's about building your credit and rewarding you with cash back on your everyday spending.

• 45:12Caleb Hammer?

  So, ready to build your credit the easy way with no stress, no debt, no hidden nonsense? Head over to joinfizz.com/caleb or click the link in the description below. Fizz has both a free and a paid membership tier. If you want to become a Fizz member, there's no hidden costs or interest, just an upfront membership fee. And hey, just for my audience, the next 10,000 people to sign up with code HAMMER25 get an extra 25% off. So try out Fizz today and let me know what you think.

• 45:39Speaker 05

  Uh, well, it was for her.

• 45:41Caleb Hammer?

  You a little shocked you're called out?

• 45:42Speaker 05

  No, it was for the dry cleaning and it was for...

• 45:45Caleb Hammer?

  Wasn't just the dry cleaning, it was Starbucks, it was the beauty, it was the...

• 45:48Speaker 06

  Beauty was me.

• 45:49Caleb Hammer?

  It was the market.

• 45:54Speaker 06

  She's just trying to say it's all me.

• 45:55Speaker 05

  I'm not trying to say it's all you, I was just trying to say...

• 45:58Caleb Hammer?

  Kinda said it was all her.

• 46:00Speaker 05

  Really do much.

• 46:02Caleb Hammer?

  Well, I'll tell you what you do do.

• 46:05Speaker 05

  And...

• 46:06Caleb Hammer?

  Put a higher balance on a credit card. Okay, Quicksilver, who's Quicksilver?

• 46:11Speaker 06

  Uh, I think this one might be mine, we both have a Quicksilver.

• 46:14Caleb Hammer?

  Uh... I don't know what I'm doing. Need a break.

• 46:17Speaker 07

  Forget it, I quit. Escape to Pluto TV. This is objectively fantastic. Relax into the movies and shows you already know and love, all for free. Shwing! Even our news is uplifting. You stay classy, San Diego.

• 46:31Speaker 07

  Ex Girlfriend, Anchorman, The Legend of Ron Burgundy, The Ex Files, Wayne's World, and so much more.

• 46:37Speaker 07

  The best things on TV really are free. You just have to know where to look. Escape to Pluto TV. Stream now, pay never.

• 46:45Caleb Hammer?

  Who has a $2,884 balance?

• 46:47Speaker 06

  Uh, me, possibly?

• 46:49Caleb Hammer?

  Okie doke. $99 minimum payment payment. These are already stacking substantially for what your household income is. In fact, we're already at 25%. How do you pay bills? Yeah, I don't know. At least there's no purchases, but there are $70.28 of interest. Only the minimum is made.

• 47:07Speaker 06

  I say, I don't know that we've, we've really been spending money other than your thing.

• 47:13Caleb Hammer?

  Okay, how much did you guys spend last month?

• 47:18Speaker 06

  I couldn't tell you.

• 47:19Caleb Hammer?

  I'm glad you guys haven't been spending that much money. How much did you guys spend last month?

• 47:22Speaker 05

  Are you talking about on credit cards?

• 47:23Caleb Hammer?

  No, just total spending, total spending in general.

• 47:25Speaker 06

  Whatever bills we have.

• 47:27Caleb Hammer?

  I want a fucking number. I'm, I'm, I'm, I agree. I'm glad you guys are not spending that much. So how much did we spend?

• 47:34Speaker 06

  Um, I know like our mortgage is.

• 47:37Caleb Hammer?

  Please.

• 47:37Speaker 06

  Okay, I'm sorry. I'm trying to, I'm getting there. I'd say.

• 47:44Speaker 06

  I mean, we could.

• 47:44Speaker 05

  I'd give it like 4,500.

• 47:47Caleb Hammer?

  What the?

• 47:47Speaker 06

  Whatever, whatever came in.

• 47:49Caleb Hammer?

  You said you were spending less.

• 47:50Speaker 05

  What are you talking about for our bills too?

• 47:52Caleb Hammer?

  Everything, everything that it spends, guys. The total number.

• 47:56Speaker 06

  Well, I was saying we're, we don't spend on our credit cards other than.

• 48:00Caleb Hammer?

  That's not what you said. That is legitimately not what you said. Now you're pushing the goalpost.

• 48:03Speaker 06

  Okay.

• 48:05Caleb Hammer?

  Yeah, cuz that's how you do it in this conversation so far. You say something, I say incorrect, and you're like, well, no, I said this.

• 48:11Speaker 06

  Well, what I meant to say then, can I, should I say that?

• 48:14Caleb Hammer?

  Sure, you can make that up.

• 48:15Speaker 06

  Okay. Well, that's what I was trying to say. That's what I was looking at her for. It was like, we have it other than that credit card. That's literally what I said. I don't know that we.

• 48:22Caleb Hammer?

  So I'm, okay, that's good. So we're not spending on pool time as well.

• 48:26Speaker 06

  Yeah, we're, we're only spending on necessities right now.

• 48:28Caleb Hammer?

  Like, how much did you guys spend going out to eat? Cuz I'm, I, I agree. I am glad we're cutting back. This is great. So going out to eat, we probably like.

• 48:37Speaker 06

  Like weekly or monthly?

• 48:38Caleb Hammer?

  Monthly, of course. It was like, probably like a hundred bucks then, right?

• 48:41Speaker 05

  I would say like a hundred bucks.

• 48:43Speaker 06

  Yeah.

• 48:43Caleb Hammer?

  Yeah, thank goodness. Thousand fucking dollars. Shut the fuck up. You guys aren't cutting back. You spent $8,000 last month. You guys have no fucking clue! You're bullshitting me! You're bullshitting yourselves and each other. A thousand dollars going out to eat? Fucking... What are you talking about?

• 49:01Speaker 06

  We didn't bring in that much money, so we still have that.

• 49:03Caleb Hammer?

  Yeah, you didn't really bring in that much money. We're gonna fucking go over all this. Hey, surprise, surprise, your debt's going up. Who'd wonder? Who? Oh, how'd that happen? Who would've thought? Gosh. Oh, I'm being a dick, but you guys are just... You're lying, you know nothing, and then you manipulate the conversation. At least with your language.

• 49:20Speaker 06

  I just thought we spent eight thousand if we didn't bring it in.

• 49:22Caleb Hammer?

  Uh-huh, and then you spent a thousand one hundred fifty-eight on miscellaneous bullshit? Yeah. Oh, yeah. Okay.

• 49:33Caleb Hammer?

  This...

• 49:37Caleb Hammer?

  Ladies and gentlemen, is all you do. This is your life. You do one thing very well. Can I show you what you do incredibly well? Okay.

• 49:59Caleb Hammer?

  You do one thing, this, incredibly well. You just, all these hunkies, just...

• 50:11Caleb Hammer?

  This is all you don't wanna do! There it is, it's all gone, bye-bye! Bye-bye, Benji! Benji, bye-bye! Is that what you guys say every night? Bye-bye, Benji! Bye-bye, bye!

• 50:24Speaker 06

  We say goodnight.

• 50:35Caleb Hammer?

  What's the one thing you guys have done successfully? As far as I can tell.

• 50:40Caleb Hammer?

  Bye-bye, Benji.

• 50:42Caleb Hammer?

  Bye-bye.

• 50:45Caleb Hammer?

  Bye-bye, Benji.

• 50:50Caleb Hammer?

  So yeah, we cut back spending.

• 50:54Speaker 05

  February, that Mardi Gras, I'm not even gonna lie, it really, really got us a lot of money.

• 50:59Caleb Hammer?

  I would love a non lie for the first time in this conversation, please.

• 51:03Speaker 05

  Yeah, I'm not gonna say that's every month, but I'm saying February, a lot of that was that Mardi Gras ball.

• 51:07Caleb Hammer?

  I can't believe you for one second.

• 51:10Caleb Hammer?

  Not every month.

• 51:14Caleb Hammer?

  Okay, who's the Discover it?

• 51:18Speaker 06

  I think that one's me.

• 51:22Caleb Hammer?

  No spending on this one either. Three thousand five hundred fifteen, I have a feeling we're gonna have lots of checking account spending. Three thousand five hundred fifteen dollars and twenty eight cents is the balance with a minimum payment of one hundred three. That's, that's getting very scary, fourteen years to pay off.

• 51:42Caleb Hammer?

  Gonna be married to a forty year old when this is paid off.

• 51:46Speaker 05

  Yeah, I had to do that now, you don't have to call it my age or anything.

• 51:49Caleb Hammer?

  You're not old. You'll be middle aged by the time you take care of this, if you don't spend more money. You guys are incapable of not spending money typically. Ah, twenty seven point two four percent interest rate, why, why do we have this card? What's, what's up with this card?

• 52:05Speaker 06

  Which one, is that the Discover?

• 52:07Caleb Hammer?

  Oh my gosh. Okay, okay, don't be mean, don't be mean, don't be mean.

• 52:13Caleb Hammer?

  The one that we literally were just talking about right now.

• 52:15Speaker 06

  Well, I saw you fill out the paper, so I just didn't know.

• 52:17Caleb Hammer?

  Remember when I asked, whose card is this and you said it was yours?

• 52:20Speaker 06

  Okay, yeah, it's mine, I opened it, uh, I think we opened our Discover's at the same time, or did you open yours before me?

• 52:26Speaker 05

  I think we did it at the same time in like twenty three.

• 52:29Speaker 06

  I think there was, uh, um, they had like a promotion of.

• 52:31Caleb Hammer?

  You opened it at the same time?

• 52:33Speaker 06

  I think they had like a promo, yeah, they had a promotion of like a year or no API. That's why you'll notice all of them are the, huh?

• 52:42Caleb Hammer?

  Why do we need touching flaps and touching cards? Why do we have to do all these things in pairs?

• 52:48Speaker 06

  Why not?

• 52:49Speaker 05

  I I did mine so I could um, well, obviously.

• 52:54Caleb Hammer?

  Destroy our lives together.

• 52:55Speaker 05

  No, I wanted to have a a higher. What is it? A higher limit so it looks better on my credit card. So that's why I did on Discover and then I purchased that little.

• 53:05Caleb Hammer?

  Good.

• 53:06Speaker 05

  Away.

• 53:07Caleb Hammer?

  Yeah, you did.

• 53:09Speaker 06

  Yeah, I opened that one in twenty twenty three.

• 53:12Caleb Hammer?

  This is a twenty seven point two four percent interest rate.

• 53:14Speaker 05

  Yes.

• 53:16Caleb Hammer?

  The amount of interest accruing on here is horrible. You put more than three thousand five hundred on here total because you've been paying on it for a second. Literally, here's an example. You take two. This is like the best promotion ever, right? Because they want people to get onto their app. This is an example of how you are and what you're doing with your money. Literally, you're not even shredding it. You're lighting it on fire and nuking it, okay?

• 53:40Caleb Hammer?

  Two thousand hours. You take two thousand hours. You put it into the investing app I use, Mumu. Boom. Immediate one hundred fifty dollars given to you. It's like an eight percent return, something like that. Then you get another eight point one percent APY on the uninvested cash. Incredible. So you get like a sixteen percent return. That's incredible. That's unbeatable. Nothing does that. It's because they really want new users. Woo, exciting little thing. You're losing double that just on this balance of one card of three that we talked about so far. And then your IRS debt is basically the same percentage. It at least looks like if you've gained three hundred dollars. No, ten percent. It would be about ten percent.

• 54:16Speaker 05

  So with both of our Discover cards, their interest rate is really, really high on them. So one of the things I keep, yeah, so one of the things that I keep looking at because obviously what we put towards it, we're paying most of that in interest. So um, I've been looking at getting a personal loan that's lower percentage. It's a lower percentage so we can consolidate the debt and that way the interest isn't just eating us alive.

• 54:39Caleb Hammer?

  Can I whiteboard? Can I whiteboard? May I have a little whiteboard? Uh, whiteboard me. I'm gonna have a whiteboard. Well, I'm just gonna, well, you know, I'm just gonna write on a whiteboard real quick.

• 54:49Speaker 05

  I just want lower interest on our cards. Got to stop spending on them to do that, huh?

• 54:55Caleb Hammer?

  Oh, yeah. Okay. So C C and it's harder to write backwards.

• 55:05Caleb Hammer?

  Am I doing okay?

• 55:06Speaker 06

  Yeah.

• 55:06Caleb Hammer?

  How do you do it?

• 55:08Speaker 06

  That art. There you go.

• 55:12Speaker 06

  Yeah.

• 55:17Caleb Hammer?

  Kind of.

• 55:18Speaker 05

  Personal.

• 55:20Caleb Hammer?

  Okay.

• 55:24Caleb Hammer?

  So you have your credit card. You have your personal loan, potentially. Credit card. Oh. The max self. Oh, what are we doing?

• 55:37Caleb Hammer?

  Oh, what do we do? So we hope with the personal loan, it all gets moved over to here, blah, blah, blah, blah. That's exciting. That's really exciting. Oh, man, we made such big progress and now it's even lower interest rate. The minimum payment is just one minimum payment. It's really good. So what happens? What happens from here? What happens?

• 55:53Speaker 05

  We shred them credit cards so we don't spend any more money on them.

• 55:57Caleb Hammer?

  Because you spent eight thousand dollars and you make two thousand dollars and you spent literally on.

• 56:01Speaker 05

  Eight thousand.

• 56:02Caleb Hammer?

  How about we go through the documents and we find out?

• 56:04Speaker 05

  Okay.

• 56:04Caleb Hammer?

  The you spent two thousand dollars on minimum, which is what you bring in. So, uh, yeah, based on your history, this goes all the way back up again. Then you have double the debt. That's double the debt. You know that two of these bars is more than one. So let's double the debt.

• 56:19Speaker 06

  I think her Discover card is the only card that's active right now. All of the other cards are inactive. And that hasn't even been activated.

• 56:26Caleb Hammer?

  You mean activated?

• 56:27Speaker 06

  Like the.

• 56:27Caleb Hammer?

  The card itself, the physical card?

• 56:29Speaker 06

  I don't use it.

• 56:30Caleb Hammer?

  That takes two seconds. That doesn't give me any comfort.

• 56:32Speaker 06

  Even know where they are, but you see that we haven't spent on, I haven't spent on my.

• 56:36Caleb Hammer?

  On three. This, this stack is so fucking thick. Wait.

• 56:41Speaker 06

  Okay.

• 56:42Caleb Hammer?

  You seriously are not going to get out of this by saying, oh, wait, if you only look at a quarter of my finances, I'm doing okay. Go. Sure. Same with everyone else on the show.

• 56:54Caleb Hammer?

  Such a messy guy.

• 56:59Caleb Hammer?

  And I'll gift you an accounting certification from course careers if you, that's what's going to help.

• 57:04Speaker 06

  Anything.

• 57:05Caleb Hammer?

  But actually, no, no, we should actually gift you a true certification. Uh, so that, because you didn't go to college. So if we get you into a different career path, you just let us know which one and we'll gift it. I was being cheeky at first, but I mean that. Okay, Quicksilver.

• 57:21Speaker 06

  I saw where you helped somebody with their resume. I don't know.

• 57:25Caleb Hammer?

  Well, maybe we'll talk about that.

• 57:28Caleb Hammer?

  We'll see if that comes up. Quicksilver, $2,013.60 with a $69 minimum monthly payment.

• 57:37Speaker 05

  That one's gonna be mine.

• 57:40Caleb Hammer?

  No purchases on here, which means I am very excited to see where all these purchases are coming from. Cause all the math on these spreadsheets and everything, all these math, all, well, on the first card I got, come on. But all this math, it was done by somebody else because I like to go in blind with the audience and discover together. Which means all that math is, um, in here. We're gonna find out. Twelve years to pay off. Forty-nine dollars of interest. So what's up with this? Why do we have this?

• 58:08Speaker 05

  Uh, it was Walmart, actually. It was a Walmart card to begin. Yeah, that was the Walmart card to begin with.

• 58:15Caleb Hammer?

  It's the place to go in Mobile.

• 58:17Speaker 05

  Oh, yes. So we did it to get the cash back and then we did not pay the money back towards the card like we were supposed to. So, um, that's from like

• 58:27Caleb Hammer?

  Shark.

• 58:28Speaker 05

  two years ago, I think, all that debt. So.

• 58:32Caleb Hammer?

  Two years ago?

• 58:33Speaker 05

  Yup.

• 58:36Speaker 05

  No?

• 58:38Caleb Hammer?

  What?

• 58:38Speaker 05

  I wasn't using it last year.

• 58:40Caleb Hammer?

  What?

• 58:40Speaker 06

  Maybe that's fine.

• 58:41Caleb Hammer?

  What?

• 58:42Speaker 05

  Okay.

• 58:42Speaker 06

  I thought that it wasn't from two years ago, that, uh, we used it like a year ago. Uh, because it was my Walmart card that we were using, that I'm thinking of, not hers.

• 58:51Caleb Hammer?

  Oh, so one that we will get to.

• 58:53Speaker 06

  Yeah.

• 58:54Caleb Hammer?

  Or have we thought of?

• 58:55Speaker 06

  No. They, they don't say Walmart. They, they now say.

• 58:58Caleb Hammer?

  Who's the savior card?

• 58:59Speaker 05

  That is me.

• 59:01Caleb Hammer?

  Savior card, sorry.

• 59:02Speaker 06

  No, that one I think is me. That one's mine.

• 59:06Caleb Hammer?

  Eight hundred eighty-nine dollars and twenty-nine cents with a minimum monthly payment of twenty-nine dollars.

• 59:11Caleb Hammer?

  These minimum monthly payments already, let's just, let's just even just see where we at, we're at. And we still have so much to go through.

• 59:20Caleb Hammer?

  Yeah. Already at twenty-five percent of the income that's coming in.

• 59:26Caleb Hammer?

  Twenty-five percent. Okay, why, why is there a big bounce on this card?

• 59:29Speaker 06

  Uh, I think it was just a bunch of miscellaneous when we first opened and then I just looked at it. I had Xbox, Xbox Live, Microsoft on there.

• 59:40Caleb Hammer?

  And you bought an Xbox.

• 59:41Speaker 06

  On that card?

• 59:42Caleb Hammer?

  That's what I'm being told.

• 59:44Speaker 06

  Possibly.

• 59:45Speaker 05

  Yeah, and then we did cancel Xbox Live and everything. I will say that.

• 59:49Speaker 06

  Yeah, but I didn't realize that they were still being paid for on that card, so this was like...

• 59:52Caleb Hammer?

  How long?

• 59:54Speaker 06

  Probably like six, seven months.

• 59:55Caleb Hammer?

  When'd you cancel it?

• 59:56Speaker 06

  Um, when I deactivated my card. So, I don't know, like, maybe like four months ago.

• 1:00:02Caleb Hammer?

  Okay.

• 1:00:06Caleb Hammer?

  Do you guys play much anymore?

• 1:00:08Speaker 06

  I bought it for her, but it just collects dust.

• 1:00:11Speaker 05

  I have two jobs, so I couldn't, I couldn't do it. I couldn't play.

• 1:00:19Caleb Hammer?

  Twenty-eight point nine-nine percent interest.

• 1:00:24Caleb Hammer?

  Interest is brutal.

• 1:00:26Speaker 05

  The interest is killing us on most of them cards. That's one of the reasons I'm looking at personal loan and we've talked about this shredding our credit cards.

• 1:00:33Caleb Hammer?

  You'll shred it, but you can re, you can just order it.

• 1:00:35Speaker 06

  We don't, we don't want to and then we...

• 1:00:37Caleb Hammer?

  You don't, you don't, listen, listen, and I, I really appreciate that and I do kind of believe that to a certain extent. I do kind of believe that, but the thing is, what happens when a lot of people get fire under the butt, whether it's getting out of diet, whether it's working out, whether it's changing their finances, whatever it could be, maybe it's going like, uh, going on a reading marathon. You'll get a fire in a month, two months, three months, four months. It's so natural to fall back in old ways. I'm not saying you can never escape this, but you are putting yourself in a dangerous position. If you're putting this all on a personal loan, then all of a sudden you have the ability to then spend more on credit cards or open a new credit. I'm just saying, we can do that. We can do that, but we prove, we prove that we have changed our behavior first for at least a few months.

• 1:01:22Caleb Hammer?

  And you spent eight thousand dollars, you made two thousand, this is not the time. We do it when we prove it and you have not come close to proving it. You've actually only proved the complete opposite by a very wide margin. Yeah?

• 1:01:37Speaker 06

  Hmm.

• 1:01:37Caleb Hammer?

  Does that make sense?

• 1:01:39Speaker 05

  Well, that's why we got the simpler one.

• 1:01:40Caleb Hammer?

  Does that make sense?

• 1:01:42Speaker 05

  Yeah.

• 1:01:43Caleb Hammer?

  Okay.

• 1:01:49Caleb Hammer?

  Saver, your saver?

• 1:01:51Speaker 05

  I'm gonna go with yeah.

• 1:01:53Caleb Hammer?

  Eight oh seven. Ooh, we're just accumulating credit cards, aren't we? It's like a little collectibles.

• 1:01:59Speaker 05

  Uh, actually, I'm just gonna go with it's BS.

• 1:02:04Speaker 06

  Probably.

• 1:02:05Speaker 05

  Yeah.

• 1:02:06Caleb Hammer?

  Huh? What?

• 1:02:07Speaker 05

  On the, on the saver.

• 1:02:08Caleb Hammer?

  Really? Is this around?

• 1:02:10Speaker 05

  Yeah.

• 1:02:10Speaker 06

  We would just spin to spin.

• 1:02:12Caleb Hammer?

  I'm being told there's an iPad and a camera.

• 1:02:14Speaker 06

  Oh, yeah.

• 1:02:15Speaker 05

  Oh, that's what that went on.

• 1:02:17Caleb Hammer?

  How do they know, but you don't?

• 1:02:20Speaker 05

  Man, because

• 1:02:22Caleb Hammer?

  They're magicians.

• 1:02:23Speaker 05

  That was a year or two ago, an iPad and a camera. Yeah, that was like a year or two ago that I would have done that.

• 1:02:27Speaker 06

  Plus, yeah, cuz it was for my birthday.

• 1:02:30Speaker 05

  Yeah, that was a while ago that I spent the money.

• 1:02:33Caleb Hammer?

  Look, you all know I love calling people out on their financial train wrecks. We've tackled credit cards, payday loans, and more. But there's one giant moneymaker we've only scratched the surface on: real estate. I have five houses. That's right. The buy a house, get rich game. And that's if you play it right. You see, my own journey started in sales with tens of thousands of dollars in bad debt. I was that dude. But once I hustled my face off and wiped the state clean, I realized the real wealth wielding power? Investing, and real estate in particular. I saved for some years, put down on my first home, watched it grow in value, and then snowballed that equity into multiple rentals. And ultimately, the condo where I started filming these chaos-filled financial audits you guys love.

• 1:03:18Caleb Hammer?

  And that's why I'm thrilled to announce my brand new course, Master Your Real Estate. I'm pouring everything I know into how I went from broke and basically mooching cheap rent to leveraging property appreciation, collecting rent checks, and scaling up. And as a thank you for buying at launch, you'll be able to get the course at over thirty percent off through March thirty first. And for the first two hundred and fifty people who sign up, you'll get access to my exclusive Q and A where I deep dive into my real estate portfolio. So, listen, this is the blueprint I wish I had when I was scraping by. My system will show you how to understand market cycles, so you're not buying at the worst possible times. Spot of money. versus a gem build a mini empire of rentals that send you a paycheck while you're napping

• 1:04:03Caleb Hammer?

  and now also show you stuff like the B R R R or BRRRR method buy rehab rent refinance repeat commercial deals plus the not so boring side of mortgages and home inspections basically all the do's and don'ts that could save you from a midnight roof collapse there's no gimmicks no rocket science just real strategies I used to transform my net worth from zero to hundreds of thousands of dollars before I started this YouTube channel so if you're ready to get the house of your dreams finally wrap your head around mortgages and not get bamboozled learn how real estate can become your biggest wealth booster then master your real estate is your next move sign up for the course today lock in that massive discount

• 1:04:47Caleb Hammer?

  only through the end of this month and dive into the world of real estate investing seriously real estate has changed my life and it can change yours too let's go make real estate your next big win and remember we always offer a 30 day money back guarantee but we have the lowest refund rate in the industry for a reason I bring the value check it out link in the description below are we like a government surveillance program the fact that we the fact that they back there Lindsay and Jake know this but you don't kind of concerns me like how do we know these things

• 1:05:20Speaker 06

  because we told them we knew then we're under the spotlight now so it just kind of

• 1:05:24Caleb Hammer?

  okay I want to make sure we're not like

• 1:05:30Caleb Hammer?

  in everyone's computer in the United States somehow like

• 1:05:34Speaker 05

  no I just try not to look at them at some point and just pay that that minimum so I don't spend more money on them

• 1:05:40Caleb Hammer?

  five years to pay off thirty percent interest right yep yep yep

• 1:05:47Caleb Hammer?

  okay another quick silver card another quick silver card

• 1:05:50Speaker 06

  that one's gonna be the Walmart

• 1:05:52Caleb Hammer?

  so this is the one you were spending on until recently

• 1:05:55Speaker 06

  uh yeah

• 1:05:58Caleb Hammer?

  Because you did stop.

• 1:06:00Speaker 06

  Yes.

• 1:06:00Caleb Hammer?

  But only the minimum payments are being made on all these. Nothing has more than that. Eight sixty-nine twenty-one is the balance of the twenty-eight dollar minimum monthly payment.

• 1:06:10Speaker 06

  We've paid everything on time, always. This is gonna be the first month that we're...

• 1:06:16Caleb Hammer?

  That we're in right now.

• 1:06:17Speaker 06

  Yeah.

• 1:06:17Caleb Hammer?

  That is scary.

• 1:06:18Speaker 06

  This is the first time. We, like, you can check. We, we don't miss payments.

• 1:06:21Caleb Hammer?

  Why'd you leave the good job?

• 1:06:23Speaker 05

  Because it wasn't making any money. They declined the business.

• 1:06:26Caleb Hammer?

  Oh, that's right. It was declining. So, uh, how quickly did it decline? Over, over what period?

• 1:06:30Speaker 05

  Like, immediately.

• 1:06:32Speaker 06

  No, like, it would, it was...

• 1:06:33Caleb Hammer?

  Okay, so it's completely different answers.

• 1:06:34Speaker 06

  Well, it would slow down and then we would pick up, but, um, it took like a year for it to finally get to a point of...

• 1:06:40Caleb Hammer?

  Or it was consistently slow? It wasn't like a seasonal slow?

• 1:06:43Speaker 06

  Yeah.

• 1:06:43Caleb Hammer?

  Why are you, uh, okay. I don't know what I'm doing. Need a break. Forget it, I quit.

• 1:06:48Speaker 07

  Escape to Pluto TV. This is objectively fantastic. Relax into the movies and shows you already know and love, all for free. Shwing! Even our news is uplifting. You stay classy, San Diego. Watch Tommy Boy, Crazy Ex Girlfriend, Anchorman: The Legend of Ron Burgundy, The X-Files, Wayne's World, and so much more. We're not worthy! The best things on TV really are free. You just have to know where to look. Escape to Pluto TV. Stream now, pay never.

• 1:07:15Speaker 05

  And then, like, see, that's where the crappy job comes in play, is I'm supposed to get paid tomorrow. I'm supposed to be getting, like, a fifteen-hundred-dollar paycheck, but the question is, am I gonna get the fifteen-hundred dollars?

• 1:07:26Caleb Hammer?

  That's insane. How long, so that's been happening the whole time?

• 1:07:29Speaker 05

  Yeah.

• 1:07:30Caleb Hammer?

  And you go talk to them, what happens?

• 1:07:31Speaker 05

  I do, but...

• 1:07:32Caleb Hammer?

  What happens, though?

• 1:07:33Speaker 05

  So, I'm at a type of job, if you come to them and you ask them about money, they're running off, they're screaming at you. Uh, the deal hasn't been funded, uh, you can't get your money until the deal's funded.

• 1:07:42Speaker 06

  The lawyers will call up there for their, for customers that they've sold cars to. Um, I have been pushing, pushing, pushing for her to get out, and I know it's, I know it's hard, but I, like, I put my trust, you know what I mean? It's just going somewhere else as far as sales, a lot of them you have to have experience with, and that's what she wants to stick to. Uh... Yeah, and I, and I support it. It's just, it's just scary.

• 1:08:06Speaker 05

  You support it, but... Talk about leaving me if I'm not bringing in more money, on the other hand, so I'm just, like...

• 1:08:12Caleb Hammer?

  The last card was only...

• 1:08:14Speaker 05

  What are you... Nothing.

• 1:08:18Speaker 06

  I told.

• 1:08:19Speaker 05

  If I don't leave that job.

• 1:08:21Speaker 06

  If you don't leave the jo- the job that you s- you go there for sixty hours, six days a week and they don't pay you. I told you that we have to figure something out. That's all that I said. I'm applying to second jobs. Like, I'm trying to do this and that. Like, I'm not, I'm not gonna leave you. I fully support.

• 1:08:38Caleb Hammer?

  No, keep going.

• 1:08:39Speaker 06

  No, I just.

• 1:08:40Caleb Hammer?

  This is the moment. Say the real thing.

• 1:08:42Speaker 06

  I, and I have a hundred times. I support whatever you do.

• 1:08:45Speaker 05

  The other day and you were talking about if you don't get another job, I was, I was thinking about, I'm gonna have to leave you because you're not gonna leave this job. And I was like, look, you think I'm not doing anything about this job, but I'm talking about my manager. I'm trying to apply to these other jobs, like. No, you've came down on me about that job and I know I'm in a spot. I work sixty hours. I work six days a week. You think I don't know? You think I don't know I sell, sold thirty cars and I haven't got paid for ten? You think I haven't confronted my manager about it?

• 1:09:12Speaker 06

  I never said you didn't. Like, that's, I.

• 1:09:14Speaker 05

  No, you tell me I put up with their crap. You tell me that I just sit there and put up with it. That I haven't said anything to my manager.

• 1:09:21Speaker 06

  I never said you haven't said anything. I just said that you're putting up with them. They're screwing us. They're eating our bank account. We're not gonna have a home. I get that, but it's taken two months. As simple as that. It's scary.

• 1:09:33Speaker 05

  Because I got two good paychecks and I thought, man, this job actually is gonna turn around. It's gonna be a good job. And my judgment is crap. My judgment is crap. It has always been crap. And I thought it was gonna be alright, but no, that place is bad. It's shady, but I'm trying to make a difference, but a difference takes time.

• 1:09:51Speaker 06

  I, I get that. And that's what I'm sa- I, I support what you're doing, but I, I don't know. I don't.

• 1:09:57Speaker 05

  Quicksilver? Saber? Sorry about that.

• 1:10:02Caleb Hammer?

  No, I think it's important.

• 1:10:05Caleb Hammer?

  Think it's important to go, this is what, cause this is what happens. It's so hard. We have an hour and a half-ish, something like that. That's usually what conversations are these days. I don't have full insight into a situation. It's hard for me to, that's why I go so hard. That's why I dig so deep. That's why I really try to pry from people. Cause I don't get everything. But having you guys, and then people come at the camera. They're, they're nervous about being in front of the cameras. Maybe they try to look good. Maybe they kind of flop around a little. You know, you never really know. But that was a real moment.

• 1:10:33Caleb Hammer?

  It's hitting you deep, I can see. Which is normal and good, totally okay, there's tissues right there if you want them, by the way.

• 1:10:42Caleb Hammer?

  But I feel like that was like the first like insightful thing. That. I mean, I saw deflection throughout the conversation, I thought, oh, that's what I thought then, not what I think now, and I don't fully believe that, because that's not, whatever.

• 1:10:57Caleb Hammer?

  Here we have a conversation that you guys actively continue to have. But it feels like it also just doesn't go anywhere. I see.

• 1:11:08Caleb Hammer?

  I see you trying to do something. But. Obviously, you're in a position of struggling at that job because they're fucked, but you haven't fully left it.

• 1:11:23Caleb Hammer?

  You haven't. Done what you need to do to leave it, but it's not just that, you've only been there for three months. I see you over there. Putting her in a position where. Almost like. It's all her fault. You're putting it on her.

• 1:11:38Speaker 06

  I, I have it, that's why I just, I, I haven't, I have, I have messages on my phone where I'm telling her, I trust you, I'm telling her, I trust you, I trust your judgment, I trust that you're gonna get us through this, I trust you're gonna make all of the right decisions, I have those messages, I, I do trust her, I, I don't. And if I did say that I was gonna leave, it's because it felt like you haven't cared about what's happening with our money, I'm not. I support you, I've been there.

• 1:12:04Speaker 05

  Day before work to go apply for another job. I go every day, I have to go in at nine in the morning, it's not very early, it's not, but you know what I do at seven o'clock in the morning, I go to these other places before they're even open, and I sit there and I wait for the person that I need to, to get there, and then right after I end up interviewing with them, because I don't have the experience, I don't get calls back, you know how many places I've been to?

• 1:12:28Speaker 06

  And I never took that, but I never took, I never took that from you, I never once took that from you, I told you, I'm, I'm proud of you, I support you.

• 1:12:34Speaker 05

  I don't care about our money. How do you think I don't care about our money, but I'm trying so hard to make a difference?

• 1:12:40Caleb Hammer?

  This is why I feel like you have a little bit of manipul. Manipulation sometimes.

• 1:12:44Speaker 05

  Right.

• 1:12:44Caleb Hammer?

  Come on, you're trying to look good. Here's another fact, a reality of the situation and you're putting on a different show than the conversations you guys have there. You tried to, I saw manipulation conversation and it may have worked on some of the members of the audience making you look good. Maybe they saw through it like I did, but here's the thing, you're saying right now how much you trust her. That's what she's saying, right? She's saying that right here. She specifically talked to Lindsay and told her, I no longer have trust in her. Is what she said to Lindsay, the producer. She said that, her words.

• 1:13:20Speaker 05

  And it's just, it's my dream to go in the cells. It's always been, I knew it was gonna be hard to start. It it's hard to start anything. When you started the show, were you scared? I'm sure you were at a moment where you're like, man, I don't know if I'm gonna be able to make it, but then at some point in your life, it takes a turning point. When you start a job and you're making fifteen dollars an hour, you're like, man, I I don't know how I'm gonna pay my bills. But you get them raises and things get better. It's just you have to see the light at the end of the tunnel. You have to believe that I am gonna go to a good dealership and I I do care because if I didn't care, I wouldn't be applying to these jobs. I wouldn't be taking all these drug tests and going to every different job I possibly could to, if I didn't care.

• 1:13:59Speaker 06

  No, no, I've drove you to some of them. We've spent days just going to.

• 1:14:02Speaker 05

  Don't say that you feel like I don't care, cuz why would somebody that ca- that doesn't care do all of this? Why would they not only spend sixty hours a day, six days a week working, but then turn around and do more work by applying to these jobs at nighttime, going in for interviews in the morning time like? I I, we've been to an hour away from where we live just for me to apply to different jobs, like, I care. I care with all my heart. I I've always been good with money until recently, like.

• 1:14:33Speaker 06

  And I never, I've never taken that. I know that. That's literally what I said. Like I didn't, you know.

• 1:14:38Caleb Hammer?

  What you said to the producers who said you've lost trust. I don't trust the words you say.

• 1:14:42Speaker 06

  Okay.

• 1:14:47Caleb Hammer?

  Nothing.

• 1:14:48Speaker 06

  I mean, I, I, I did lose trust. I lose, lost trust that, I don't know, it's just.

• 1:14:56Speaker 06

  I, I, I, I don't know. I just, I'm scared that we're not gonna make payments.

• 1:15:01Caleb Hammer?

  Oh, now it's about you being scared.

• 1:15:03Speaker 06

  That's what I said. That's what I said, that I felt like I couldn't trust that she was gonna make sure shit was getting done. That's what I said because this is the first time that we haven't had money in our account. We normally have money sitting in savings, you know what I mean? Like, it's just, we don't. We started eating in savings. We still have two hundred sitting up, but we did have four hundred, you know what I mean?

• 1:15:22Caleb Hammer?

  You bought a five hundred dollar dress.

• 1:15:24Speaker 06

  Yeah. And she bought a three hundred dollar tux. I mean, I don't, I don't understand, like.

• 1:15:31Caleb Hammer?

  All right, you guys both admitted that you're the spender.

• 1:15:34Speaker 06

  Hmm.

• 1:15:37Speaker 06

  I guess it all boils down to me.

• 1:15:38Caleb Hammer?

  But you put all the weight on her?

• 1:15:40Speaker 06

  I'm not putting weight on her. I'm not putting, I tried for a second job. She told me not to get one. I, I had a second job lined up. I had a second job that told me I could come in and it was five feet across from the job that I'm currently at.

• 1:15:52Speaker 05

  Absolutely not. No, I said, we need to figure something out about the animals. That's what I said. We need to figure out some way we can take care of the animals because we have four dogs. They have to be let out during the day. I said, look, if you're getting this other job, what I'm gonna have to do is leave my job for a little bit and go take care of the animals. And then it was, uh, yeah, I guess I really can't do this. And it was, I, I did not tell you we cannot get a second job. That is a complete lie.

• 1:16:17Speaker 05

  Now, before that.

• 1:16:17Caleb Hammer?

  Why manipulate the conversation again?

• 1:16:19Speaker 06

  How am I, uh, I don't know.

• 1:16:21Caleb Hammer?

  No, you just, again, she, she just said, that's not what happened.

• 1:16:25Speaker 05

  Before, before that.

• 1:16:25Speaker 06

  But why is everything she says right, but I can't say shit right?

• 1:16:28Caleb Hammer?

  Because, because, because I saw.

• 1:16:30Speaker 06

  I'm a manipulator.

• 1:16:31Caleb Hammer?

  Because I saw you use manipulation language on me.

• 1:16:34Speaker 06

  On, okay.

• 1:16:35Caleb Hammer?

  She hasn't.

• 1:16:36Speaker 06

  All right.

• 1:16:37Caleb Hammer?

  If I didn't see that previously, I wouldn't be thinking so.

• 1:16:40Speaker 06

  Okay.

• 1:16:41Caleb Hammer?

  And then you just do that. It's like a brat move. What is that?

• 1:16:47Speaker 06

  A brat move?

• 1:16:48Caleb Hammer?

  Huh.

• 1:16:49Speaker 06

  I mean, I don't, I don't know. I'm the manipulator. I'm the spender. I put everything on her. Then we can leave it at that. Like, it's not, it's not that, though. It goes deeper than that.

• 1:16:58Caleb Hammer?

  I'm sorry, Nicole. She was right. She, she was right to infantilize herself.

• 1:17:03Speaker 05

  Now, there was a time, there was a time when I did say, you don't get the second job. So I ended up getting the second job, but that was specifically because this job has promised her management, the job that she's at. That's one of the reasons she won't leave. One and two, because she will not make that money anywhere else. So I told her, do not get a second job because they keep promising you management. Go ahead and apply to a manager job somewhere else. And tell that job that you're leaving. That way they will be scared and go ahead and give you the management job, or you're gonna get the management job anyways. That's the only time I ever told you, do not get the second job because I wanted you to get a better career. Cause that's the job you wanna be in. You wanna be a cook? Go ahead and, you know, get the maximize, the maximum amount of money that you possibly can.

• 1:17:48Speaker 05

  That's the only time I said, don't get the second job.

• 1:17:51Caleb Hammer?

  Are you guys ever gonna actually have like a real conversation where?

• 1:17:58Caleb Hammer?

  I don't know. We can't even agree on the reality of the conversation. And then you just shut down and you just don't say anything, but then when you, but when you do talk, you, I don't know, just the language you use is just, it's, it doesn't seem right. Just it feels manipulative, but maybe it's not, maybe it's not, maybe, maybe I heard it wrong.

• 1:18:23Caleb Hammer?

  Yeah, I mean, there are lots of job openings in Mobile, but they are all pretty on the entry level, nothing huge side, lots of just like Walmart stock, you know, stocking the shelves.

• 1:18:36Speaker 06

  Those. I've applied to so many things.

• 1:18:40Caleb Hammer?

  Do you ever get interviews?

• 1:18:41Speaker 06

  No, I don't even get calls back. And when we do, when we, when I do get an interview, I'll go in.

• 1:18:45Caleb Hammer?

  These are listed at like twenty dollars an hour.

• 1:18:47Speaker 06

  I, when I do get a call back, I'll go in for an interview.

• 1:18:50Caleb Hammer?

  You told me earlier that.

• 1:18:51Speaker 05

  That's a lie. No, you'll go into a job and you're not actually getting paid twenty dollars an hour. She got this one job.

• 1:18:56Caleb Hammer?

  Oh, that, the posting's a lie.

• 1:18:58Speaker 05

  Listen, she got this one job, for example, and they were talking about you're supposed to make, what, sixteen dollars an hour? She got there and they were like, it's actually eleven dollars an hour and you might get some tips.

• 1:19:07Caleb Hammer?

  Hmm, I'd walk up and just leave in that situation. Uh, do you get the interviews, though?

• 1:19:11Speaker 06

  Oh, I've gotten a few, but like.

• 1:19:13Caleb Hammer?

  Maybe you're not good at interviewing.

• 1:19:14Speaker 06

  Well, when I go in, they'll say that that position's not actually open. Do you want to work like in the deli area? Or do you want to work in the bakery area?

• 1:19:20Speaker 05

  And then sometimes the interviewer's not even there.

• 1:19:22Speaker 06

  Or.

• 1:19:22Caleb Hammer?

  These might be those perm job openings.

• 1:19:24Speaker 06

  Oh, ev- everywhere you go says that they're hiring and the signs have been out for two years.

• 1:19:29Caleb Hammer?

  Honestly, the reality is you might have to utilize your five-year experience, really boost up your resume and just make it the best you can. And just try to look for like just an in-office like bull job.

• 1:19:41Speaker 06

  I just, I need something.

• 1:19:43Caleb Hammer?

  No, no, no, no. I'm saying I think you need to get away from big box or restaurant. Cause I don't think that's the career path that's gonna work in mobile very well. Um, I think we just need to get you into any kind of office, even if it's just like entering numbers into just like some, uh, like the most bull job. Even if you start a little lower now, I just need you to start getting some experience. If we're gonna stay in mobile, I think we just need to get some experience outside of the rest of my industry. And what I'm saying is a lot easier than, uh, easier said than done. Don't get me wrong. But, uh, Amazon warehouse staff, nineteen an hour. I really don't think they're probably lying about.

• 1:20:23Speaker 06

  No, they're not. But that's what I'm saying. I have, I have applied to all of these things. Like if I pull up Walmart. That's why I asked if you, if we could.

• 1:20:31Caleb Hammer?

  We can potentially take a look, maybe in the post show.

• 1:20:36Caleb Hammer?

  Wow babysitter needed windy 27 an hour. Okay, okay. I just wanted to look and see. By the way, I mean, I was told on the past cooks over here, a lot of us is vaping and cigarettes. That's what I'm being told.

• 1:20:50Speaker 06

  Well, no more cigarettes, but vaping.

• 1:20:52Caleb Hammer?

  When did you quit cigarettes?

• 1:20:53Speaker 06

  Like a few weeks ago.

• 1:20:54Caleb Hammer?

  Oh.

• 1:20:56Caleb Hammer?

  Well, thank you for not smelling like in my studio, but uh, please continue that just for your health. Well, vaping though, we're still vaping. Did you both smoke cigarettes? Okay, vaping. Do we both vape?

• 1:21:07Speaker 06

  Yeah, I'm hoping this is my last one. Will I change my ways? Lord can only hope. I can only.

• 1:21:14Caleb Hammer?

  How about you put in some action is what I'd say. Oh, and a lot of booze. Thirty dollar bottle every two days. I don't know what that equals, but.

• 1:21:26Caleb Hammer?

  Uh, what is that? A quarter of a bottle of wine?

• 1:21:28Speaker 06

  A bottle of Bacardi.

• 1:21:31Caleb Hammer?

  What's Bacardi?

• 1:21:32Speaker 06

  Rum, I mean rum. Yeah.

• 1:21:34Caleb Hammer?

  Bottle every two days and then a lot?

• 1:21:36Speaker 06

  I was, yeah.

• 1:21:37Caleb Hammer?

  You were once.

• 1:21:38Speaker 06

  I was in a not a good spot and I was drinking a lot.

• 1:21:43Caleb Hammer?

  Are you in a good spot?

• 1:21:44Speaker 06

  I haven't drank.

• 1:21:45Caleb Hammer?

  That's good. For how long?

• 1:21:46Speaker 06

  Uh, I'd say a few weeks now.

• 1:21:48Caleb Hammer?

  Okay. So everything's a few weeks. Listen, I am very proud of that. Just get a little nervous when I just hear a couple of weeks, but of, you know, I just like, it's easier to fall back into than if you're a few months. Right? But I mean, good, good, good. You took the first step. That's the big thing and I'm very proud of that. And uh, just really keep it, really keep it going. Really keep that going. Okay. Quick silver one. What's, what's up with this one? We're at a hundred eighty-four dollars, fifty-two cents with a twenty-five dollar minimum payment, four dollars and thirty-seven cent. Interest is accruing like we, in a normal situation, we should be able to pay this off. And a few months ago, you could have paid this off because you were making.

• 1:22:24Speaker 06

  Bought a bottle of.

• 1:22:24Caleb Hammer?

  What are you, what were you making in December, your last month of that job? What was your take home on a monthly basis?

• 1:22:33Speaker 05

  That one.

• 1:22:34Caleb Hammer?

  Before you left that job.

• 1:22:35Speaker 06

  I'd say she were cooking and serving, so I'd say she'd bring home like forty-five.

• 1:22:40Caleb Hammer?

  What?

• 1:22:41Speaker 06

  Like a month.

• 1:22:42Caleb Hammer?

  When it was at the low.

• 1:22:44Speaker 06

  I mean, not forty-five, uh, twenty-five.

• 1:22:46Caleb Hammer?

  Okay.

• 1:22:47Speaker 06

  Twenty to thirty.

• 1:22:47Caleb Hammer?

  But even so, that puts you guys, that puts you guys still just above the median household.

• 1:22:52Speaker 06

  There's a lot of drama at where we work, too.

• 1:22:55Caleb Hammer?

  What?

• 1:22:56Speaker 06

  That was another, it's a restaurant industry. We've got servers and cooks. There was.

• 1:22:59Caleb Hammer?

  Yeah.

• 1:23:00Speaker 06

  Um, HR this.

• 1:23:01Speaker 05

  They kept trying to keep me inside the kitchen, too, and that's only two thousand dollars a month if I stay in the kitchen. Plus your hours get cut depending on how.

• 1:23:08Caleb Hammer?

  I'm not saying I love it, but again, you both doing two thousand gets you at the median house.

• 1:23:12Speaker 05

  I seen it as an opportunity for me to go into a career that I actually wanted to go into. And because I knew I would be good at car sales, I just didn't realize how much of a shit job I was getting into or business.

• 1:23:23Caleb Hammer?

  Yeah.

• 1:23:24Speaker 05

  Whatever dealership.

• 1:23:25Caleb Hammer?

  And I don't even know how to, like, you didn't sign a, good, did you sign a contract?

• 1:23:30Speaker 05

  I.

• 1:23:31Speaker 06

  It's a verbal contract.

• 1:23:32Speaker 05

  That's the thing. That's what, so what screwed me over was, uh, our manager actually knew a guy that worked over there.

• 1:23:40Speaker 05

  So he's the one that interviewed me and he said, well, you're gonna go over there to this dealership instead. So me and him talked, and then I went to the other dealership to make sure that everything was still cool. And he was like, yeah, yeah, everything's still cool, but obviously it was a lie. I don't even get to know the prices of cars. They just, they literally tell me, do not tell people the prices of the cars. So I don't know what they bought them for. I don't know what they're selling for. It's a shady business.

• 1:24:04Caleb Hammer?

  Yeah, sounds like it. I'd run. Okay, eight hundred forty dollars and fifty-five cents. Oh, I'm an Amazon card. Maybe we should work there instead. Twenty-nine dollar minimum monthly payment for years to pay it off.

• 1:24:16Caleb Hammer?

  Here's purchases. So instead of getting money from them, we gave them. Plus interest is accruing. Shocker, it's Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. Who has the Amazon account?

• 1:24:26Speaker 05

  Ooh, that's gonna be me. You wanna look at my thing?

• 1:24:29Caleb Hammer?

  I wanna look at your thing.

• 1:24:31Speaker 05

  I know, I was just told how to do this.

• 1:24:33Caleb Hammer?

  This can't be all the orders. No, I had more orders on this alone than it's showing up here.

• 1:24:37Speaker 05

  Uh, all I can think is.

• 1:24:39Caleb Hammer?

  Do you have Amazon?

• 1:24:40Speaker 06

  No, that's, that's all that that is.

• 1:24:42Speaker 05

  And I don't know what a lot of those things are. So actually, if I, I froze my account, I do believe.

• 1:24:49Caleb Hammer?

  Well, what the fuck is happening?

• 1:24:50Speaker 05

  I absolutely know, have no idea.

• 1:24:52Caleb Hammer?

  Five, six, seven.

• 1:24:54Speaker 06

  What's it?

• 1:24:55Speaker 05

  I know.

• 1:24:56Caleb Hammer?

  Well, either way, it's like some bullshit clothing straps and height increase insoles. Come on, what are we doing?

• 1:25:02Speaker 05

  I'm sure.

• 1:25:02Caleb Hammer?

  And, cool, congratulations, embrace it. Vernon women's shawl wraps. Oh, wait, here's some buy agens. Uh, okay. Some weird lifestyle thing, the world's smallest lighter. Great, that's great. Black cat hiding thing, wonderful. Uh, Japanese little, ooh, I'm getting changed behind this thing. Uh, that's what she said. None of these, except for maybe the fitted sheets, none of these are necessary.

• 1:25:37Speaker 06

  Those are so old. Those are such old purchases.

• 1:25:40Caleb Hammer?

  Okay, fine. Well, then your purchases was in the last, like, I don't get how I'm seeing, did you go into a Whole Foods and buy stuff?

• 1:25:47Speaker 05

  Oh, no, I don't use that card anywhere.

• 1:25:49Speaker 06

  What are the, what are the prices? Cause it might be like a movie.

• 1:25:52Speaker 05

  I know.

• 1:25:53Caleb Hammer?

  Oh, well, I guess it could be.

• 1:25:57Caleb Hammer?

  Yeah, yeah. So you're renting a lot of movies? On Prime?

• 1:26:02Speaker 05

  We'll buy some here and there.

• 1:26:04Caleb Hammer?

  Even still, you don't have money. Lowe's? How many fuckin' cars do you guys need?

• 1:26:11Speaker 05

  Yeah, that one we opened, cause you get 10% off whatever it is that you purchased. And we had to, we moved into the house, we needed a washer dryer and lawnmower and some fencing for the dogs.

• 1:26:20Caleb Hammer?

  Forty-one dollar minimum payment, seven hundred and three dollars, fifty-two cents.

• 1:26:25Caleb Hammer?

  Interest, sixteen dollars, twenty-eight cents. Please no more debts at thirty-one percent.

• 1:26:34Speaker 05

  Mm-hmm.

• 1:26:35Caleb Hammer?

  Fuck, is this a loan?

• 1:26:36Speaker 05

  Yes, that was-

• 1:26:37Caleb Hammer?

  What the fuck is a best egg?

• 1:26:40Speaker 05

  So best egg, we got it out because we owned a camper originally that we lived in.

• 1:26:45Speaker 06

  We-

• 1:26:45Caleb Hammer?

  Oh, well, you still do, basically.

• 1:26:47Speaker 05

  Yeah.

• 1:26:48Speaker 06

  Yeah, my mom pulled out a personal loan for us, so we, we pulled that one out to pay her off.

• 1:26:54Caleb Hammer?

  Oh, why'd she pull out a personal loan?

• 1:26:56Speaker 06

  Cause I didn't have credit at the time.

• 1:26:57Caleb Hammer?

  Yeah, for what, though? For the trailer?

• 1:26:58Speaker 06

  Oh, for the trailer, for the camper that we bought.

• 1:27:00Caleb Hammer?

  Oh, guys, where's the camper?

• 1:27:02Speaker 06

  We, uh, used it to put down for the house we got.

• 1:27:07Speaker 06

  Well, we made more putting it, using it as a-

• 1:27:09Caleb Hammer?

  So essentially this personal loan is for your current house, is how that math works out in the end?

• 1:27:13Speaker 05

  Sure.

• 1:27:14Speaker 06

  Yeah.

• 1:27:15Caleb Hammer?

  Yeah.

• 1:27:16Speaker 01

  Honey, that flu keeping you up? Did you take Nyquil Intense Flu?

• 1:27:19Speaker 02

  Nah, I got this. Hmm, okay, I don't got this.

• 1:27:25Speaker 01

  Yeah, you need Nyquil Intense Flu.

• 1:27:27Speaker 03

  Undo your flu with Nyquil Intense Flu. Nyquil Intense Flu provides powerful relief of your flu symptoms, so you can sleep.

• 1:27:36Speaker 01

  You do got this.

• 1:27:38Speaker 03

  Nyquil Intense Flu, the nighttime sniffling, aching, aching fever, best sleep with a flu medicine. Uses directed, keep out of reach of children.

• 1:27:44Caleb Hammer?

  Yes, fifteen thousand, seven hundred, five dollars and sixty-three cents is an insane loan for you guys to have. Five hundred, seven dollars and seventy-six cents on a monthly basis, I don't know how the fuck you can afford that, you can't. You can't.

• 1:28:00Speaker 06

  We could.

• 1:28:00Caleb Hammer?

  You can't. Could, can't.

• 1:28:03Caleb Hammer?

  I wouldn't have quit your job, I understand the career thing, but you were making forty, no, you're making about three thousand dollars a month, like, uh, is it great? No, but-

• 1:28:13Caleb Hammer?

  What's the interest rate on this?

• 1:28:15Speaker 05

  Seventeen percent.

• 1:28:16Caleb Hammer?

  Oh.

• 1:28:18Speaker 05

  Better than twenty-eight percent.

• 1:28:20Caleb Hammer?

  Sure, it's better than fifty percent, it's better than a hundred and nine percent, what? Okay.

• 1:28:24Speaker 05

  I just mean for a credit card or something like that.

• 1:28:27Caleb Hammer?

  Yeah, let's put a house on a credit card, that makes sense, okay. What, this is so fucking stupid. So your mom took out the personal loan for you? Ken, when'd you take this out and pay her back?

• 1:28:38Speaker 06

  Uh-

• 1:28:39Caleb Hammer?

  Pay her back?

• 1:28:40Speaker 06

  In twenty-

• 1:28:43Speaker 06

  Three?

• 1:28:44Caleb Hammer?

  What'd you get for the trailer when you sold it?

• 1:28:46Speaker 06

  Uh, we use it as um, like a trade-in more or less, so we got like-

• 1:28:49Caleb Hammer?

  Oh, cuz you have a trailer.

• 1:28:51Speaker 06

  So I think it took like-

• 1:28:53Caleb Hammer?

  What was the trade-in worth?

• 1:28:54Speaker 06

  I think like five thousand maybe?

• 1:28:57Speaker 05

  We got rude.

• 1:28:58Caleb Hammer?

  Fifty thousand dollars alone!

• 1:29:00Speaker 06

  Yeah, but the trailer we bought, the dude that sold it to us, he, he hid everything that was wrong with it, so he would point out-

• 1:29:06Caleb Hammer?

  How many mechanics did you take it to?

• 1:29:08Speaker 06

  Uh, we didn't. He, we had a warranty-

• 1:29:10Speaker 05

  No, that thing was falling apart.

• 1:29:12Speaker 06

  No, it was falling apart. He had, he showed us the stuff that was wrong with it and hid-

• 1:29:17Caleb Hammer?

  Why would you not take it to a f***ing mechanic?

• 1:29:19Speaker 06

  We bought it from a per- it's a, it's a, it's a trailer-

• 1:29:22Caleb Hammer?

  Yeah!

• 1:29:23Speaker 06

  It's a, it's a camper, not a driving camper. It's a camper that sits. It's a fifth-wheel camper. It's not a driving RV.

• 1:29:29Caleb Hammer?

  Okay, I get it. I'd still try to get it like inspected, whatever that version is. It's like a home inspection. I know, I get it!

• 1:29:35Speaker 06

  But it doesn't work like, you know what I mean? Everybody lives in campers and trailers and, and, and-

• 1:29:39Caleb Hammer?

  Everyone lives in campers and trailers. What are you talking about?

• 1:29:42Speaker 06

  In Mobile. In Mobile, everybody, I mean, almost everybody, not everybody, obviously.

• 1:29:46Caleb Hammer?

  The f*** is Mobile? This is a crazy place.

• 1:29:49Speaker 05

  Redneck.

• 1:29:50Caleb Hammer?

  Yeah.

• 1:29:51Speaker 05

  You're straight redneck.

• 1:29:53Caleb Hammer?

  But, listen, there's something for everything. Like, I bet if I Googled, I could find someone who was willing to come inspect the camper before I buy it.

• 1:29:59Speaker 06

  It was just, we didn't have, like, we, we got the camper, like I said, he showed us everything that was wrong with it and hid the things that weren't. But like, the second day in, the AC went out, and then like, we found out the slide wouldn't go in and out.

• 1:30:11Caleb Hammer?

  So how much did you buy the camper for?

• 1:30:12Speaker 06

  Eleven.

• 1:30:13Caleb Hammer?

  How much did you have to put into repairs?

• 1:30:15Speaker 06

  We didn't repair anything.

• 1:30:16Caleb Hammer?

  So why is this a fifteen? Why is this a fifteen?

• 1:30:20Speaker 06

  What?

• 1:30:20Caleb Hammer?

  If the camper was eleven thousand, why is this a fifteen thousand?

• 1:30:23Speaker 05

  Because we paid off some of our credit cards, but the extra and then-

• 1:30:27Caleb Hammer?

  And how'd it work that time?

• 1:30:28Speaker 05

  Some of the credit-

• 1:30:29Caleb Hammer?

  Should we do it again? Should we do it again? Should we do it again? Should we do it again? Should we do it again?

• 1:30:33Speaker 05

  The credit?

• 1:30:34Caleb Hammer?

  Should we do it again? I don't think so. Obviously, you've proven that-

• 1:30:36Speaker 05

  You could've paid off all of it.

• 1:30:37Caleb Hammer?

  Uh, obviously, you've proven that you're incapable of actually doing it. Okay? Utilizing it correctly. Oh my f***, there is still more debt. This is f***ing insane.

• 1:30:47Caleb Hammer?

  This is insane. What are we on? One, two, three, four, five, six, seven, eight, nine, ten, eleven, twelve, thirteen. Where the is the Pentair?

• 1:30:54Speaker 05

  Car.

• 1:30:55Speaker 06

  Car.

• 1:30:56Caleb Hammer?

  Oh, it's an Infiniti?

• 1:30:57Speaker 05

  Yeah.

• 1:30:58Caleb Hammer?

  QX sixty?

• 1:30:59Speaker 06

  Mm-hmm.

• 1:30:59Caleb Hammer?

  Four-wheel drive? Eighteen thousand. Eighteen.

• 1:31:03Speaker 05

  So I had a Nissan and they checked on.

• 1:31:07Caleb Hammer?

  You rolled it over?

• 1:31:09Speaker 05

  They rolled it over.

• 1:31:10Caleb Hammer?

  Yeah.

• 1:31:11Speaker 06

  Her car started breaking down and we bought the car.

• 1:31:14Caleb Hammer?

  As cars do. Who would've thought? Maybe have an emergency fund. Ooh. No. Wait.

• 1:31:23Caleb Hammer?

  Wait. No, that's your checking account that has that. What is the minimum payment on this thing? Three hundred eighty-two.

• 1:31:30Speaker 06

  Four eighty.

• 1:31:32Caleb Hammer?

  Why did I only have three hundred eighty-two?

• 1:31:33Speaker 06

  We pay fif- we pay five hundred a month. We pay extra.

• 1:31:38Caleb Hammer?

  Pay twenty dollars extra. What's the interest rate on this?

• 1:31:41Speaker 05

  Four point nine.

• 1:31:42Speaker 06

  But see, when we bought the car, it was when cars got, uh, were the most expensive when like when they were like extremely expensive, whatever, but we.

• 1:31:51Caleb Hammer?

  What was wrong with your car?

• 1:31:52Speaker 05

  It just, it wouldn't start. It was that, so, oh, no, no, no. It has a CVT and what you're supposed to do every thirty thousand miles is you're you're supposed to change the transmission fluid. So what ended up happening is I went to Autozone and I asked them what kind of, uh, transmission fluid I needed for it. They gave me the wrong kind, so I put that in. And next thing I know, it just started driving really bad. And then, and then it stopped. Yeah. And that's expensive.

• 1:32:16Caleb Hammer?

  It's expensive. It's not. Twenty thousand dollars.

• 1:32:18Speaker 06

  No, but then there was something, uh, we, we paid like seventeen hundred for them to fix something on the car. Um, but.

• 1:32:24Speaker 05

  And they didn't fix it.

• 1:32:25Speaker 06

  I mean, the car was only seven thousand dollars and it didn't fix it. The car turned off when we left. Like, it stopped driving while we were driving. So we went to get the new car. The new car that we got, he told us when we bought it that it was a twenty eighteen, but when we were signing papers, we found out it was a twenty fifteen. Like, we just we got gypped.

• 1:32:43Caleb Hammer?

  And why'd you continue signing?

• 1:32:45Speaker 06

  I, I don't know why we did. We just.

• 1:32:47Caleb Hammer?

  That seems to be a common answer to that entire conversation.

• 1:32:50Speaker 05

  Some of that is gonna be the gap insurance. We got theft insurance, cause it's mobile.

• 1:32:55Caleb Hammer?

  Well, it's worth somewhere around twelve thousand dollars.

• 1:32:58Speaker 05

  Yeah.

• 1:32:59Caleb Hammer?

  We owe nineteen.

• 1:33:01Speaker 06

  But again, that is like.

• 1:33:03Speaker 05

  Four point nine.

• 1:33:05Caleb Hammer?

  Surprising bright spot in this entire conversation.

• 1:33:08Speaker 05

  We have.

• 1:33:09Speaker 06

  That's when our credit was good.

• 1:33:11Speaker 05

  It was really good. Now we have good credits. I'm at a seven oh four and I don't know what you're at.

• 1:33:17Speaker 06

  Not good.

• 1:33:21Caleb Hammer?

  Now, this is also a checking account. Seven hundred sixty-nine in there. Savings, three hundred eighteen. Okay. Old baby. Here we go. Let's see how we got those numbers to begin with.

• 1:33:34Speaker 05

  Rather be there than.

• 1:33:35Caleb Hammer?

  It doesn't count if it's all on a checking account, right? Because it's not our credit card. That's what you were bragging about the entire conversation. I wasn't spending on my credit cards. It's not like, so this is fake money because it's not on our credit card. Great. Papa John's, Cash App out. Winning, got some bull, Burlington, going to fucking Burlington, going and getting some bull, going and getting some bull, Spencer's Gifts. I'm sure you guys already have enough. We don't need more. Oh, package store, Taco Bell, going and getting some bull, Marshall's, Lash and Brow Spa, forty dollars. Package store, what the fuck is a package store? Why am I seeing so many?

• 1:34:10Speaker 06

  Liquor. Liquor.

• 1:34:14Caleb Hammer?

  Going inside, get into bull, going inside, get into bull, going inside, get into bull, going inside, get into bull, McDonald's, liquor, pizza, hammered cow, sushi. I think I'm gonna get sushi later. I'm in a sushi mood. Season finale of Severance tonight. I'm very excited, incredibly excited. Oh, my gosh. What a show. What an incredible show. It'll be better than Succession if they finish this show perfectly. I want some sushi with it. Oh, my gosh. But then you guys went in and got some, went and got some bull, Dairy Queen. Maybe I want some Dairy Queen with my Succession. Nope, Severance.

• 1:34:50Speaker 06

  That, I was on a work trip, um, for.

• 1:34:53Speaker 05

  So she got reenforced for that, actually.

• 1:34:55Caleb Hammer?

  Where are you going? You're a cook.

• 1:34:57Speaker 06

  I opened, I opened up, I'm a team lead and I'm the trainer.

• 1:35:00Caleb Hammer?

  They have a second location?

• 1:35:01Speaker 06

  We have, we have.

• 1:35:02Caleb Hammer?

  Transfer to a better location.

• 1:35:04Speaker 05

  Thirty something.

• 1:35:05Speaker 06

  Nowhere, I, it's not in Mobile. It's in Orange Beach, Pensacola. I, I did try. It's just they don't have places open, positions open. I opened up a store in Lafayette.

• 1:35:17Caleb Hammer?

  Dairy Queen, coffee, Netflix, going and getting some, going and getting some bull, Dairy Queen.

• 1:35:25Caleb Hammer?

  Can I wood sweets? I like, I'm gonna let you in on a little secret, little secret that we my family did when we wanted to do little cheap trips. This is what we did. I don't know if you know this, but you went to you went to a different city, right?

• 1:35:38Caleb Hammer?

  If I'm not mistaken, the city probably has a grocery store. Jack Coffee, Disney Plus, Apple Bill, Smoke Shop, Dairy Queen.

• 1:35:50Caleb Hammer?

  You in the lobby of the hotel got swipey little swipe swipe, Apple Bill, Apple Bill, going to get it's a Dairy Queen Cash App. Also, don't do that ever again unless they're reimbursing all this.

• 1:36:00Speaker 06

  They did. That's what she said.

• 1:36:02Caleb Hammer?

  How much do they reimburse?

• 1:36:03Speaker 06

  I got $25 a day.

• 1:36:07Caleb Hammer?

  Girl, you spent $25 a second.

• 1:36:12Speaker 06

  First food I got read. Yeah, I mean.

• 1:36:15Caleb Hammer?

  But you got food every time you took a step.

• 1:36:18Speaker 06

  I got food every day.

• 1:36:21Caleb Hammer?

  Yeah, nine meals. Oh, my gosh. Apple Bill going and got side getting some Dairy Queen. You went to Dairy Queen every five seconds.

• 1:36:29Speaker 06

  Okay.

• 1:36:30Caleb Hammer?

  No, this is serious. I'm going through a couple of days here at a time. Like, this is like the one day for five reads that I'm doing. Cash App and out, Superior Grill, getting some bull coffee.

• 1:36:45Caleb Hammer?

  Bull feast buffet, Apple Bill, Apple Bill, going to get it's a bull, going to get it's a bull, Apple Bill, what the are we doing? Forty dollars on that. No, it was $3. Liquor, McDonald's, getting some bull.

• 1:37:01Caleb Hammer?

  Oh, guys, oh, guys, Asian Express, putting on the ritz.

• 1:37:09Speaker 06

  Putting on the ritz.

• 1:37:10Caleb Hammer?

  Asian Express, $548?

• 1:37:13Speaker 06

  No, that should be the dress, putting on the ritz.

• 1:37:17Caleb Hammer?

  Yeah, the line's weird. Going to get it some McDonald's, vapor smoke shop, getting some bull, getting some bull, Apple Bill, Simply Seafood. Going in against BS Aztecs Cantana. Aztec food. That's what I'd get in Alabama.

• 1:37:36Caleb Hammer?

  Okay, cash app and out. Quick stops. Going and getting some BS, going and getting some BS. Pizzeria. BS. BS. Cash app out, beauty supply. You guys stop at the gas station every second of your lives. We're obsessed, we're obsessed. If you don't stop at a gas station, you like, can burn or something. I don't know.

• 1:37:59Caleb Hammer?

  Popfit. BS. Papa John's. Brow Spa.

• 1:38:08Caleb Hammer?

  It is a fat stack for sure. And that is not a good thing. Okay, so 2,000, we'll call it. Maybe $4,000 comes in. Let's just say, let's just say that. Let's just be generous. Say, assume you get paid. Let's just get your total debt. Oh, wait. Do you, you, but what about the land and stuff? Do I have that?

• 1:38:29Speaker 05

  The mortgage? It's, it's 975.

• 1:38:32Caleb Hammer?

  Yeah, what's the balance?

• 1:38:35Speaker 05

  I don't know what the balance is.

• 1:38:36Caleb Hammer?

  Oh, come on!

• 1:38:37Speaker 05

  95,000.

• 1:38:41Caleb Hammer?

  Interest?

• 1:38:44Caleb Hammer?

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

• 1:38:46Speaker 07

  Forget it, I quit. Escape to Pluto TV. This is objectively fantastic. Relax into the movies and shows you already know and love, all for free. Swing! Even our news is uplifting. You stay classy, San Diego. Watch Tommy Boy, Crazy Ex Girlfriend, Anchorman: The Legend of Ron Burgundy,

• 1:39:01Speaker 05

  The X-Files, Wayne's World, and so much more. We're not worthy! The best things on TV really are free. You just have to know where to look. Escape to Pluto TV. Stream now, pay never. It is, I don't even remember.

• 1:39:24Caleb Hammer?

  Guys. What the are we doing?

• 1:39:31Caleb Hammer?

  Don't even know the interest on your damn thing. I don't even know down to the point, but you'd think you'd know pretty darn close.

• 1:39:41Caleb Hammer?

  Come on.

• 1:39:42Speaker 05

  It's such a process to get to it.

• 1:39:45Caleb Hammer?

  You don't even know what it near is, what it's near? Okay, you keep looking. Answer me. Utilities, how much on a monthly basis?

• 1:39:53Speaker 06

  Um.

• 1:39:56Speaker 06

  I don't know. Power is normally one eighty. We talked about all these. One eighty, fifteen for water, and forty for trash, and eighty for internet.

• 1:40:06Caleb Hammer?

  Okay, utilities, three fifteen. Gas, vroom, vroom, drive, drive. Both of you combined?

• 1:40:12Speaker 05

  Two fifty.

• 1:40:13Caleb Hammer?

  Combined?

• 1:40:14Speaker 05

  Yes.

• 1:40:15Caleb Hammer?

  Car insurances?

• 1:40:16Speaker 06

  Two fifteen. Combined.

• 1:40:18Caleb Hammer?

  Phone bill?

• 1:40:20Speaker 06

  One eighty.

• 1:40:21Caleb Hammer?

  Why?

• 1:40:22Speaker 06

  We, we bought, um, so her phone, yes, financed. Her phone, uh, broke, so we went to go get a new one. We, it was only one thirty, but T-Mobile kept adding, um,

• 1:40:35Caleb Hammer?

  T-Mobile, YouTube, T-Mobile.

• 1:40:36Speaker 06

  We're under my mom. We're not on our own.

• 1:40:37Caleb Hammer?

  Okay, if T-Mobile is good there when you're done, when it's paid off, switch to

• 1:40:41Speaker 06

  We, I don't know, I don't know why we didn't switch to Xfinity or whatever.

• 1:40:45Caleb Hammer?

  Whatever. Helium is T-Mobile's tower. So if T-Mobile's good where you are, do that. It's fifteen bucks a month.

• 1:40:50Speaker 05

  Eight point eight four percent stuff.

• 1:40:52Caleb Hammer?

  It's not great. It's really not great. Mortgage rate's around like six percent. Okay. TP fun, I can do like a hundred fifty bucks. Anything else you need to survive, gotta make it a little lower.

• 1:41:02Speaker 05

  We probably don't even spend that.

• 1:41:04Caleb Hammer?

  Listen, I saw your spending. I know what you have to do. This is the fucking beauty stuff. This is toilet paper. This is everything. Makeup, whatever. Six hundred dollars for necessary food. Use the cookbook. Cookbook, we made the budget from the cookbook. You get it with the budgeting app. Medical, healthcare, any outgoing expense on a monthly basis. Pets, monthly basis.

• 1:41:24Speaker 05

  Oh, uh, two fifty.

• 1:41:25Caleb Hammer?

  Not even gonna put in pet insurance. Unfortunately, we should, but anything else that needs to be in your budget that I am not taking into account for?

• 1:41:34Speaker 06

  I don't think so.

• 1:41:37Caleb Hammer?

  Think hard.

• 1:41:39Speaker 05

  No.

• 1:41:39Caleb Hammer?

  While I do some math.

• 1:41:42Caleb Hammer?

  So even if you make four thousand dollars a month, you're under by five hundred fifteen.

• 1:41:46Speaker 05

  And we make a little over five thousand a month, really, because she brings in over two thousand and I brought in

• 1:41:50Caleb Hammer?

  Sometimes though, but you don't know if you get paid.

• 1:41:53Speaker 05

  Yeah.

• 1:41:54Caleb Hammer?

  If you do make five thousand dollars a month, you can have an extra like four, four eighty-five.

• 1:41:59Speaker 06

  We normally have money sitting in our, that's what, nevermind.

• 1:42:03Speaker 05

  We normally do have money sitting in our savings and we

• 1:42:06Speaker 06

  We just don't, well, not even in savings in our account.

• 1:42:09Caleb Hammer?

  There wasn't much.

• 1:42:11Speaker 06

  It's not much, no, but it's more than what most people have.

• 1:42:14Caleb Hammer?

  Yeah.

• 1:42:14Speaker 06

  Same with debt, though.

• 1:42:15Caleb Hammer?

  I don't think that's true. I don't think, okay.

• 1:42:21Caleb Hammer?

  Okay, so we'll call it four eighty-four left on a monthly basis. With a very strict budgeting, I mean, guys, I even have the balance of the mortgage on my bad debt. Bad debt, not even including the mortgage, which isn't great, because some of it's wrapped up in that. Depreciating an asset, but the land is good. I just don't know what the land is worth. What's the land alone worth?

• 1:42:41Speaker 05

  Twenty-five thousand.

• 1:42:44Speaker 06

  I know.

• 1:42:45Caleb Hammer?

  Why the would that guy buy it more, for more than that? Because he doesn't want the trailer.

• 1:42:51Speaker 06

  Yeah, he's about to build a house right next to us in the land he has.

• 1:42:54Speaker 05

  One, he rents out houses, and two, because he has a cow farm and there's a lake right behind us.

• 1:43:00Caleb Hammer?

  Yeah, but he doesn't want the trailer.

• 1:43:01Speaker 06

  Yeah, he owns, he owns, yeah, he rents out like a hundred houses.

• 1:43:07Caleb Hammer?

  Okay, well, it takes a hundred nine months to pay off currently.

• 1:43:11Caleb Hammer?

  Or nine years.

• 1:43:16Caleb Hammer?

  Yeah, it's solid. If you can get it for the price, that's solid. Get rid of that eight percent debt where most of it's depreciated anyway. That gets rid of a minimum payment. You're going to replace that with rent in a different city. Let's move. We need to move where there are better career opportunities. I'm sorry, that is a part of capitalism. No town is entitled to have you. They have a bad economy. You leave. You start a life somewhere else. You can drive within a easily. You know, within a day there and back. If you really want to, it'd be a very long day from uh, from Georgia, you know? And maybe we do that because that is a boom in town right now. And maybe we do that. Rent's gonna be higher, but you also are gonna get a better paying job. You, I don't know what your resume looks like. Let's look at it in the post show, but

• 1:44:01Caleb Hammer?

  like you, you can get a better paying job. You can get a better paying job. We'll get you guys course degree certifications, but you have to do that. Personal loan, I'm okay with that. Only if you prove for three months that you are fully filing my, following my tight budget. Even still, honestly, with how long it takes to pay off the debt, I'd almost be okay with bankruptcy too. I don't necessarily want you to do that. No, and let's not do it. That's fine. Okay. But I'm only allowing the extra stuff. If you follow my budget for three months, sell it. Uh, if he takes 95,000 hours, I'd be impressed. I don't know if he's gonna get the return on investment he's open for, because if he rents it out, he wants a return on investment. I don't know if he's gonna get it with that $95,000.

• 1:44:40Speaker 05

  He likes to flaunt his money and he likes this a lot. That's where the

• 1:44:42Caleb Hammer?

  Yeah, but people that flaunt money usually do pretty okay money decisions. Well, not really. No, no, no. He probably, well, how does he flaunt it though? He sounds like

• 1:44:50Speaker 05

  Casinos. He spends thousands of dollars at the casinos.

• 1:44:53Caleb Hammer?

  Maybe he'll be a dumb

• 1:44:54Speaker 05

  And because he likes two little lesbians, I mean, definitely works out.

• 1:45:01Caleb Hammer?

  Okay. Well, I hope that works. Then you go make more money. You live on a tight budget in an up and coming town where there is opportunities to be made and we're able to pay off our debt. If we can get this paid off in five years, I'd be happy. Let's do that. Let's grind down. You won't even be 30 yet. You'll be 31. That's fine. I'm 30. It's okay. I still feel young, kind of, maybe a little. I don't know. We'll see. But listen, if I, if I started my debt payoff journey five years ago and it was gonna be done in one year, that'd be okay. Or four years ago and it'd be done in one year. That's okay. That's okay. Guys have a long future ahead of you. Let's make it actually proper.

• 1:45:34Caleb Hammer?

  And with also being able to have mature conversations. That's the part I'm a little nervous of. I'm a little nervous of how sometimes we operate. There is a maturity level that needs to be kind of brought up to speed. And that's something you guys are gonna have to work on with a therapist or something. Spending within a budget. You overspend dramatically, so zero to 10. Debt, you have IRS debt. That's crazy, zero to 10. Yeah, we're gonna have to get on that payment as soon as we can improve our income situation. That was so long ago now that I almost forgot about it. It's like an hour, 40 minutes ago. Emergency fund. I'll give you one. It sounds barely anything. It's being generous retirement. Is there anything? Yeah, that's horrible. Zero out of 10, losing the best decade of your life for compound growth. Real estate, you have land, but we have depreciating asset. This is not a great real estate thing. I'll give you three out of 10.

• 1:46:20Caleb Hammer?

  It's not a good position to be in necessarily. We'll see. Rounded up, Hammer Financial Score, one out of 10. Guys, join us in the post-show. It's always great. We are one of the largest memberships on the entire platform and it's because we offer more value than any other membership on the entire platform. Literally a video every single day. That's where we're about to be for your Hammer Elite. It's incredible. It is more content than any other membership offers. So make sure you join that. It really helps support our channel. But if you want to join something that improves your life, simpler budget is the one to do. Download that from the App Store now. Check it out. See you in the post-show. You continue to say that she said things that she's never said.

• 1:46:57Speaker 05

  Sexual tension isn't even as much there right now.

• 1:47:00Caleb Hammer?

  You guys don't find attraction to each other right now?

• 1:47:01Speaker 05

  I cook dinner every fucking night. I'm a fucking housewife. That's so worse. I do the cleaning. I clean.

• 1:47:07Caleb Hammer?

  I don't either of you want to be there?

• 1:47:13Caleb Hammer?

  Is that how you really feel? Did you just hear that?

• 1:47:15Speaker 05

  Straight words from out of her mouth.

• 1:47:17Speaker 03

  To watch the Financial Audit Post-Show, click the Join button below. I don't know what I'm doing.

• 1:47:23Speaker 07

  Need a break. Forget it, I quit. Escape to Pluto TV. This is objectively fantastic. Relax into the movies and shows you already know and love, all for free. Shwing. Even our news is uplifting. You stay classy, San Diego.

• 1:47:36Speaker 00

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

• 1:47:46Speaker 07

  You just have to know where to look.

• 1:47:47Speaker 00

  Escape to Pluto TV. Stream now, pay never.