Scumbag Husband Destroys Marriage With Secret Debt | Financial Audit

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

• 0:01Speaker 00

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• 0:27Speaker 01

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• 0:56Caleb Hammer?

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

• 0:59Speaker 03

  He does have two accounts that I am not on. I cannot see.

• 1:02Caleb Hammer?

  What the [bleep]? I just got information. Let's just say the vast majority of this bounces through spicy material.

• 1:10Speaker 04

  I got it, so my credit would be better?

• 1:13Caleb Hammer?

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• 1:44Speaker 03

  Hi, I'm Ruby. I'm 26.

• 1:46Speaker 04

  Hi, I'm Boudreaux. I'm 26. And we are from Baton Rouge, Louisiana.

• 1:50Speaker 03

  And this is Financial Audit.

• 1:53Caleb Hammer?

  Thanks for coming over, guys. I really appreciate it. You look like you're dying. You OK?

• 2:00Speaker 04

  Yeah, I'm good. I'm excited. I'm just really excited.

• 2:03Caleb Hammer?

  Yeah, yeah, yeah, I'm excited too. Ruby, what do you do for a living? You're the one in front of me, so we'll start with you.

• 2:07Speaker 03

  I work in ABA. I'm a line technician. I work with children with autism and other behavioral disorders.

• 2:14Caleb Hammer?

  OK, and what are we making?

• 2:16Speaker 03

  I make $15 an hour.

• 2:18Caleb Hammer?

  Oh.

• 2:20Caleb Hammer?

  Yeah. Okay. How many hours a week do you?

• 2:23Speaker 03

  Um, about thirty.

• 2:24Caleb Hammer?

  Okay. And we know we got a lot of behavioral issues in Baton Rouge. That is for sure. Uh, thirty hours a week. Why so little?

• 2:32Speaker 03

  Um, so when our children were in school, I worked.

• 2:39Caleb Hammer?

  You guys have kids?

• 2:39Speaker 03

  Yes, we have two.

• 2:41Caleb Hammer?

  When they were in school?

• 2:42Speaker 03

  Uh, it's summer break right now.

• 2:44Caleb Hammer?

  Oh, okay. How old are they?

• 2:45Speaker 03

  We have one, uh, daughter that is six and a son that's four and will be starting school.

• 2:53Caleb Hammer?

  Very good. Sorry, continue.

• 2:54Speaker 03

  Um, yeah, when they were, uh, when our daughter was in school, I would bring her to school and then I would go to work and then I would get off to get her off the bus. Uh, but now this summer, um, we, they are currently staying with family, um, most of the week.

• 3:12Caleb Hammer?

  Cause you guys are working?

• 3:14Speaker 03

  Yes.

• 3:15Caleb Hammer?

  Not for other weird issues?

• 3:16Speaker 03

  No, not for, just cause, uh, we're working. Um, and I have more hours that I can work, but, um, um, our family that they stay with lives a little over an hour away. So, um, I am off Mondays and Tuesdays. So Wednesday, Thursday and Friday, I work seven thirty to six. So I work about with a thirty minute break. So we're working about thirty hours.

• 3:38Caleb Hammer?

  Mr. Boudreaux, what do you do?

• 3:40Speaker 04

  I'm a, uh, local truck driver.

• 3:42Caleb Hammer?

  Yeah. And called that. I sat down and said he looked like a truck driver. That is okay.

• 3:49Speaker 04

  Yeah.

• 3:50Caleb Hammer?

  Yeah, you are. Yes, you are, Mr. Boudreaux. Okay. Any excuse to get out of Baton Rouge, I'd take it as well. So what do you do? What do you make?

• 3:59Speaker 04

  I make twenty-five an hour. Uh,

• 4:01Caleb Hammer?

  Better. How many hours?

• 4:03Speaker 04

  I work about sixty to sixty-five.

• 4:06Caleb Hammer?

  Okay. Ooh, what? Okay. What hits your account on a monthly basis?

• 4:10Speaker 03

  Um,

• 4:11Caleb Hammer?

  For your job.

• 4:13Speaker 03

  Probably about twelve hundred a month.

• 4:21Caleb Hammer?

  Twelve hundred a month, that's it?

• 4:23Speaker 03

  Yeah. Um, I just recently, I had to be there for a year at my job, so I just recently got a 401k. That money is getting taken out of, and I have insurance.

• 4:34Caleb Hammer?

  Insurance, well, you're not on each other's insurance? You don't have insurance?

• 4:38Speaker 04

  I, I do have insurance, but it's just mine, cuz we're not married.

• 4:42Caleb Hammer?

  You're not married?

• 4:43Speaker 04

  No.

• 4:43Caleb Hammer?

  Well, what the are we talking about right now?

• 4:45Speaker 04

  Uh.

• 4:46Caleb Hammer?

  Well, what, what are we talking about today? You guys are each other getting kids, not married? What is going on?

• 4:51Speaker 03

  Um, we had talked about getting married, but it has not been financially feasible yet, so we're waiting. Um, but we've been together since 2018, so, uh, and we've lived together since 2019.

• 5:09Caleb Hammer?

  You know what? I sat down and I was like, these people are very interesting, and I noticed your truck, and I was like, what, what is she? What does she remind me of? You look like the second coming, but with the golden arches applied.

• 5:24Caleb Hammer?

  Interesting, I see it. Okay, okay. Sorry, I didn't hear anything you said before that. I was just so focused on how you look like Jesus.

• 5:37Speaker 03

  I don't know.

• 5:38Caleb Hammer?

  Times two.

• 5:39Speaker 03

  Okay.

• 5:40Caleb Hammer?

  Okay, and you? Well, what, what? Uh, what, what are we talking about?

• 5:44Speaker 04

  Uh, we're kinda just trying to figure out who is the problem spender.

• 5:50Caleb Hammer?

  How do you guys not know?

• 5:52Speaker 03

  We both spend.

• 5:53Speaker 04

  Yeah, we, we share a lot of our finances, so we, uh, we, we kinda don't watch over.

• 6:00Caleb Hammer?

  Who's the problem? What would you say?

• 6:04Speaker 03

  Um, probably Boudreaux.

• 6:06Caleb Hammer?

  Is this true, Boudreaux?

• 6:08Speaker 04

  Um, maybe sometimes. Um, I think there's definitely some times that she could be the problem spender, and, uh...

• 6:20Caleb Hammer?

  You're both lip smackers. Let's, let's not do that. Okay.

• 6:24Speaker 03

  Okay, um...

• 6:27Speaker 03

  Maybe occasionally, but um I think he does most of the spending um on most of our cards. You can tell later when we look at the records.

• 6:40Caleb Hammer?

  Okay, so obviously we're in insane amount of debt. Why are you guys not married?

• 6:46Speaker 03

  Um.

• 6:47Caleb Hammer?

  We've been together forever, right? Like you started sticking it in a minimum six and a half years ago.

• 6:52Speaker 04

  I uh, I kinda wanna wait until.

• 6:55Caleb Hammer?

  Stop smacking your lips!

• 6:57Speaker 04

  I have the money to give her like a better wedding.

• 7:02Caleb Hammer?

  A better wedding, better wedding than?

• 7:05Speaker 04

  Than just like a courthouse wedding.

• 7:08Caleb Hammer?

  Okay, you've had six and a half years to do this so far.

• 7:11Speaker 04

  And it seems like it's just getting worse financially.

• 7:15Caleb Hammer?

  Why?

• 7:17Speaker 04

  Our spending habits.

• 7:18Caleb Hammer?

  Then what are we prioritizing?

• 7:20Speaker 03

  Um, we have been trying to pay down our debt recently, but it seems like every time we start making a break, we get comfortable again and we see that we have extra money to spend and we tend to spend it going out or bringing our kids to do things. Um, and we have two cars that seem to need a lot of work.

• 7:52Caleb Hammer?

  What does that mean? Stop smacking your damn lips! I'm gonna punch you both! Okay? Jeez, let's talk about your finances. I can only focus on the lip smacking. So, okay, I get it. Now why are these cars having so many issues in your, to you?

• 8:10Speaker 03

  Um, they are both oh one and they were pre-owned and they're just having problems due to

• 8:20Speaker 04

  They're just really old cars.

• 8:22Speaker 03

  Older age.

• 8:23Caleb Hammer?

  So how's the finances running in the household? Cause I assume you guys live together, right? We have the kids together, so we're not married yet. Okay, whatever. We're waiting forever to do it cause we'll never fix our finances and it's only getting worse, whatever. Okay, cool, got it! But how are you guys managing the finances of household? How are the conversations going? What is the knowledge of the entire household finances from both? You guys are twins! You guys are twins. I'm just looking side to side and you guys are twins. Just.

• 8:51Caleb Hammer?

  The male version and the female version. You guys are twins. Okay, okay, okay, sorry.

• 8:56Speaker 03

  Okay.

• 8:57Caleb Hammer?

  Sorry, I have just so many perceptions right here. There's one thing, I've met people like you before. I feel like I've only seen you on the internet. We're on the internet right now.

• 9:05Speaker 03

  We, we are on the internet right now.

• 9:07Caleb Hammer?

  So how are the finances done in the house?

• 9:10Speaker 04

  Uh, we.

• 9:11Caleb Hammer?

  How are they discussed?

• 9:12Speaker 04

  We share pretty much everything. Um, we might not talk about it every time we like, probably maybe once a month.

• 9:23Caleb Hammer?

  Okay, and once a month's not necessarily bad, but how are these conversations going?

• 9:27Speaker 03

  Um, usually for the finances, he will write down, um, all of our bills, how much we owe.

• 9:35Caleb Hammer?

  Okay.

• 9:36Speaker 03

  And.

• 9:37Caleb Hammer?

  Very manual, okay.

• 9:38Speaker 03

  Um, that's about it. And then we usually discuss when they're due and like, what paycheck will go towards those bills.

• 9:47Caleb Hammer?

  I mean, Lindsay's telling me, uh, right now that you've told her 80% of the time you guys are on the same page. But the other 20% just completely not.

• 9:56Speaker 03

  Yes, um.

• 9:57Caleb Hammer?

  And if we're aware of our finances, then answer this question to me. What percentage of our income is spent on fast food? Just going out to eat. What percentage of our spending is spent on going out to eat?

• 10:09Speaker 04

  Forty percent.

• 10:10Speaker 03

  Probably a.

• 10:11Caleb Hammer?

  What are you doing? That's insane.

• 10:13Speaker 03

  Uh, it, probably a lot. We, uh.

• 10:16Caleb Hammer?

  Well, that's not our number, but 27.7%, which is crazy, or $2,000. I'm sorry, you said 1,200 for your job hits the account. I've been distracted a lot during this episode. Uh, and about how much is the account on a monthly basis from your job?

• 10:31Speaker 04

  Forty-three, maybe?

• 10:34Caleb Hammer?

  Okay, so 43, first of all, you guys spend more on going out to eat than she makes in a single month, right? That's crazy.

• 10:43Caleb Hammer?

  But 5,500 comes in. That's our total household number on just a normal monthly basis. Take that $2,060, $2,067.20, divide that by the 5,500. And, I mean, that's your percentage of spending, but of course, our spending's all [bleep]. Percentage of income? Income alone that is going to going out to eat is 38%. Just going out to eat. That's more, a higher percentage than people are supposed to do for the roof over their head.

• 11:18Caleb Hammer?

  What the lifestyle are we living? It can't be healthy for your kids too if we're if we're being objective about it, right? Putting feelings aside. It cannot be healthy for our kids. If forty percent of our income is going out to eat and my are we getting or are we going out to eat sweet green?

• 11:36Speaker 04

  I think I have a problem like with binge eating, which is a big issue.

• 11:41Caleb Hammer?

  Okay.

• 11:46Caleb Hammer?

  When? Walk me through it. What does it look like?

• 11:48Speaker 04

  I I like to go out to restaurants and go out to lunch. So even when I pack.

• 11:52Caleb Hammer?

  Just by yourself?

• 11:54Speaker 04

  Um, not whenever I go to dinner, but like whenever I'm going to lunch.

• 11:59Caleb Hammer?

  By yourself?

• 12:00Speaker 04

  Yeah, I do go by myself and I'll I'll spend over twenty dollars just on food.

• 12:06Caleb Hammer?

  I guess it depends on what I mean, where are you for twenty bucks? Because twenty bucks stretches so far, you know? Only so far.

• 12:13Speaker 04

  Taco Bell, McDonald's.

• 12:14Caleb Hammer?

  It stretches far. Taco Bell, that's for sure. McDonald's, little hint of mess these days, but okay. And you can tell in fact, because I have an answer to that. So.

• 12:22Speaker 04

  No.

• 12:22Caleb Hammer?

  Uh, okay. And that's obviously not good. The binge eating behavior. And you said even when you pack a lunch, you go and do this?

• 12:29Speaker 04

  Yeah.

• 12:31Caleb Hammer?

  Do you know this?

• 12:32Speaker 03

  Um, sometimes, um, sometimes he'll come back with his lunch and he'll let me know that he went and got lunch instead.

• 12:41Caleb Hammer?

  And how you feel about it?

• 12:42Speaker 04

  Well, I caught her ordering DoorDash to her job or going down to the convenience store.

• 12:49Caleb Hammer?

  The fuck? Why? How are we? DoorDash is so expensive.

• 12:53Speaker 03

  I have DoorDash to my job, maybe like once a month, if that, because it is.

• 12:59Caleb Hammer?

  Okay, that doesn't sound like caught. I doubt it's once a month. That is some deflection if I've ever heard.

• 13:04Speaker 03

  Um.

• 13:05Speaker 04

  She goes to Jala's at least once a week.

• 13:09Caleb Hammer?

  And what's that?

• 13:10Speaker 03

  The convenience store.

• 13:12Caleb Hammer?

  What are you getting?

• 13:12Speaker 03

  I usually get the red beans and rice that they have there and cornbread.

• 13:19Speaker 03

  They also have like, I have gotten their fried chicken and their french fries as well, but I've been sticking to the red beans and rice and cornbread recently.

• 13:27Speaker 04

  We did agree that you would not order DoorDash anymore. And you kept doing it and also going to Jayless all the time.

• 13:37Speaker 03

  Um, yeah, well, we don't really have anything to eat at the house as we need to go get groceries.

• 13:45Caleb Hammer?

  Is that true? We have no food at home?

• 13:48Speaker 04

  Um, I wouldn't say we have no food at home.

• 13:50Caleb Hammer?

  Then what the is that kind of excuse?

• 13:52Speaker 03

  I do tend to just bring sandwiches.

• 13:54Caleb Hammer?

  So she lied to you out of the gate? How's that feel?

• 13:59Caleb Hammer?

  Um, and you didn't even call her. You know you have food at home. She says there's no food at home. So I'm gonna get done. I'm gonna go to Justine's or whatever.

• 14:05Speaker 04

  Well, we, all the food that we do have at home is like, we buy stuff in bulk like, uh, chicken.

• 14:15Caleb Hammer?

  Oh, sounds edible.

• 14:19Speaker 03

  Yes, but we made that agreement before you decided to pay all the bills early. And since I do all the grocery shopping and the cooking.

• 14:32Caleb Hammer?

  Wait, what's pay all the bills early mean?

• 14:34Speaker 03

  Um, so when we discussed earlier about when he makes the budget and we have what paycheck pays, what bills, he, uh, sometimes will go ahead and pay them early like, instead of on the due date that we expect them to come out. Um.

• 14:52Caleb Hammer?

  What, do you guys discuss and budget this in? What's our knowledge on this?

• 14:56Speaker 04

  Usually I'll just pay extra on like, debt that we use for, uh, for like gas, groceries, stuff like that. I'll pay extra. That way we won't get hit.

• 15:08Caleb Hammer?

  So much.

• 15:11Caleb Hammer?

  This is horrible. How are we in this much debt, guys? Like, seriously? Your own, your own perception? Because this is actually a lot of paperwork. This is a lot of paperwork. More than usual on the show.

• 15:28Speaker 03

  We tend to get comfortable, as I mentioned earlier, and we will start spending on credit cards that we have started to pay low on because we have extra money or bills we paid early. And sometimes it's discussed, but not always.

• 15:50Speaker 03

  As pays most of the bills.

• 15:52Caleb Hammer?

  It just feels like different blames and excuses. I don't know. I mean, who would you say is the most likely to hide spending from each other? Point. Okay, examples, because you both disagree. Tell me.

• 16:04Speaker 04

  Like we were talking about earlier, the DoorDash and going out to eat while she's working, whenever she goes on lunch and stuff.

• 16:12Caleb Hammer?

  What would you say?

• 16:14Speaker 03

  Whereas we have, most of our credit cards are able to be, most of our cards are shared. He does have two accounts that I do not have, that I am not on, I cannot see.

• 16:29Caleb Hammer?

  Really? Why?

• 16:30Speaker 03

  And the balance stays the same.

• 16:32Speaker 04

  She's an authorized user, but with certain cards, it won't like, let her see them like, like she can't log on. But she can see like, the balance that's on it.

• 16:43Speaker 03

  On your Apple card? It does not show me that. It just lets me spend money on there and tells me what I spent. And then we both have our SoFi cards that are SoFi accounts that are separate.

• 16:56Speaker 04

  Yeah, but mine, all the money in my SoFi account goes straight into my investing account.

• 17:02Caleb Hammer?

  So what's the issue?

• 17:05Speaker 03

  Just that.

• 17:08Speaker 03

  Sometimes I think with those extra cards that we can't check up on each other, we'll sometimes just spend extra money on those.

• 17:15Caleb Hammer?

  Who's the reason we're in debt? Point.

• 17:19Caleb Hammer?

  Go on, completely disagree. Why? Why are we disagreeing?

• 17:23Speaker 03

  Um, we have always kind of agreed or like been on board with like bigger purchases. Um, but um, smaller purchases sometimes, especially when like the cars need work or other things, go ahead. Um, Pedro will go ahead and um, buy those items. And then I will just see after the fact when we have, or he'll tell me he's buying them and I won't know how much they are. And then when they come in, it'll be like, wow, that's a lot more than we expected. We need.

• 18:06Caleb Hammer?

  Well, what would you say? Cause you pointed to her.

• 18:08Speaker 04

  Well, when I buy stuff for the car, it's because we need to make it back and forth to work every day. Um, but I pointed at her because a lot of the bigger purchases, I feel like I wouldn't have made

• 18:22Speaker 04

  without her like, kind of like pushed me a little bit more towards it.

• 18:26Caleb Hammer?

  Hold on, you had food poisoning yesterday? Are you sure it wasn't stomach flu?

• 18:31Speaker 03

  No, I don't think I have stomach flu. I, I, no, I.

• 18:34Caleb Hammer?

  How do you know?

• 18:35Speaker 03

  I guess I don't know. I just didn't feel good for like two or three hours yesterday, but I feel fine. No.

• 18:43Caleb Hammer?

  Yourself?

• 18:48Speaker 03

  I felt fine yesterday evening and I feel fine today. Not that I'm aware of. I hope not.

• 18:56Caleb Hammer?

  Can we get pregnant?

• 18:57Speaker 04

  She, she's on birth control.

• 18:58Speaker 03

  I am on the birth control.

• 19:00Caleb Hammer?

  Would we be able to get pregnant without it?

• 19:02Speaker 04

  Yes.

• 19:05Speaker 03

  Probably. Yes. Yes.

• 19:07Caleb Hammer?

  Hmm. Okay. Hmm. Should we get a pregnancy test for you for the post show? Kidding, maybe. I don't know. Who tries harder to keep their finances on track? Point.

• 19:18Caleb Hammer?

  You guys don't agree at all. What is the disagreement on this? Why do you think you try harder? Why do you think you try harder? I'll start with you Bordeaux.

• 19:26Speaker 04

  Um, I watch the finances more. Um, I just kind of like watch over all of our spending and try to like, make sure that we're not going above what extra is coming into the house.

• 19:40Speaker 04

  And that's why I feel like I am more on top of things, basically.

• 19:45Speaker 03

  Um, I, he does write the budget, but he does not usually add in for the extra necessities like groceries. And we have a dog, so like dog food. And I go grocery shopping and do most of the like the shopping for items around the house. So when those aren't budgeted and accounted for, sometimes I have to remind him and be like, hey, okay, yeah, these bills are due, but we need to save up this much so we can go. Or if we have plans with friends or family, um, usually I'm the one that makes the plans on the weekends. And I'm like, hey, don't forget we're doing this and this on this weekend.

• 20:27Speaker 03

  So help, he keeps up with the, um, bill aspect. And usually I'm the one who has to remind him of the extra spending that we do have to also account for.

• 20:41Caleb Hammer?

  What do you guys think your household financial score is? Zero to 10? I'm going to go three, two, one and on.

• 20:46Speaker 03

  One, two, three, zero.

• 20:47Caleb Hammer?

  Okay, they are not following instructions. Okay, one and zero, got it.

• 20:53Caleb Hammer?

  Okay. If you want your financial score, just take the assessment. It's free. It's at Calebhammer.com or go to Calebhammer.com/apply. And you can come be on financial audit. But if you don't want to be in bad finances, like most guests on this show, all you have to do is download our Dollar Wise Budgeting app and take the free trial. If you sign up for the annual version, I'll sign our budget friendly cookbook that can't be purchased anywhere else and I'll mail it directly to you. And don't forget, if you want to take all of our educational programs, you can sign up for Dollar Wise Central and get them all at a much lower cost to make it more affordable to you. Okay. So affirm, affirm.

• 21:32Speaker 04

  I actually paid that one off.

• 21:33Caleb Hammer?

  Two thousand. You just, you paid this one off?

• 21:36Speaker 04

  Yes.

• 21:36Caleb Hammer?

  That's incredible. How did we pay this off?

• 21:39Speaker 04

  I took out a loan with my 401k.

• 21:47Caleb Hammer?

  Let's talk about student loans. I know it's something we all want to avoid talking about, but if your private student loans are crushing you, YRefi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and ability to repay. That's a game changer in a market where most lenders only see a number. Interest rates, under 6% guaranteed. That's practically a unicorn in student lending. Plus, they offer structured payment plans to lower your monthly bill, and even a cosign a release program so your mom or dad can step off the hook. YRefi is known for personal service. No faceless call centers. You get a dedicated rep who actually cares about your progress. They've got a 4.6 star rating on Google, which tells you people genuinely like working with them.

• 22:31Caleb Hammer?

  So if your private loans are burying you, it's time to reach out. YRefi wants to help you climb out of debt, not push you further in it. Check them out at yrefy.com/hammer. That is Y-R-E-F-Y.com/hammer, or call 888-Y-REFI-78. That is 888-Y-REFI-78. Break free from the high interest trap and get your finances under control once and for all. What the f**k are you talking about? Why'd you even use the word "pay off"? Why'd you even use the word "pay off", Bordeaux?

• 23:09Speaker 04

  Boudro.

• 23:10Caleb Hammer?

  Um, Bordeaux.

• 23:13Speaker 04

  There's no R in the word, except for after the B.

• 23:19Speaker 04

  Yeah, there are. I took out the loan with my 401K because it was a lower interest rate.

• 23:26Caleb Hammer?

  Yeah, but if you get fired from your job or you leave your job, that can come due. You have enough money to pay off your 401K loan?

• 23:33Speaker 04

  No.

• 23:35Caleb Hammer?

  Yeah. Uh huh. And man, we've had a great rebound in the market since it tanked a couple of months ago. Sure would have sucked to be able to see any of those.

• 23:47Caleb Hammer?

  Are you sure the total math in the end actually makes sense? What's the interest rate in the 401k?

• 23:51Speaker 04

  Uh, it's 8%.

• 23:52Caleb Hammer?

  8%? Yeah, I mean, this was at 32%. Why are we affirming though so much? Why, like affirm all the way up?

• 23:59Speaker 04

  Um, a couple of years ago, I got a PC, um, like a gaming PC and a

• 24:08Caleb Hammer?

  Couple fucking years ago? You're taking out a 401k loan to get a fucking gaming PC, by the way, is how that works out. Two years ago. What? This is a two-year-old gaming PC? So does it even have the 50 series in it?

• 24:26Speaker 04

  Mm-hmm. It was my Christmas present.

• 24:30Caleb Hammer?

  To yourself?

• 24:32Speaker 04

  Uh, yeah, we, we both agreed that I could get it for myself.

• 24:37Caleb Hammer?

  So you said, let's get a 32% interest gaming PC that will never be able to pay off and you eventually have to put your 401k essentially on hold?

• 24:44Speaker 03

  Um, he did not explain all of that. He did say, could I get a gaming PC and I tend to

• 24:53Caleb Hammer?

  You just enable.

• 24:54Speaker 03

  I, I have

• 24:55Caleb Hammer?

  Why? You blame, you blame each other for everything, yet you allow each other to do, do everything?

• 25:02Caleb Hammer?

  Make that make sense. What the, how much was this? How much was the computer?

• 25:08Speaker 04

  Um, I don't remember how much it was originally. I think

• 25:12Caleb Hammer?

  Blackrock? Oh, MicroWorks? How much? No, no, no, because you owe 3, you owe 3, 2? No, the initial amount was $4,000. The did you get?

• 25:24Speaker 04

  Uh, it was pre-built, so

• 25:26Caleb Hammer?

  Yeah, pre-built maxed out, right?

• 25:29Speaker 04

  Yeah.

• 25:29Caleb Hammer?

  Oh, for fuck, why? Come on, what are you doing? Spend some time with your kids and wife. You're working 60 hours a week.

• 25:37Speaker 04

  Yeah, I

• 25:38Caleb Hammer?

  Do you even have time for this?

• 25:40Speaker 04

  I like to play with my kids. Um, I usually like, I, I've introduced them

• 25:44Caleb Hammer?

  On a gaming PC?

• 25:45Speaker 04

  Yeah, I, I have that and a couple of other things that I like to play with them.

• 25:50Caleb Hammer?

  Of course you do. And how often is this?

• 25:55Caleb Hammer?

  Justify $4,000 at 22% now putting in 401k on hold.

• 26:00Speaker 03

  When he first got it, he was working a little less. Um, so it was used a little more than, but recently it's been maybe once a week, usually on a Friday or a Saturday.

• 26:12Caleb Hammer?

  But he sells it. It's not worth that much anymore. What is it going to be worth? Like 1,500?

• 26:19Caleb Hammer?

  The GPU is still probably top of market, but, or the CPU is probably top of market, but GPU is definitely not at this point.

• 26:25Speaker 04

  Yeah, I don't think it's worth anything near what I paid for it.

• 26:29Caleb Hammer?

  Oh, for sake. And now what's your 401k loan balance?

• 26:32Speaker 04

  Uh, $5,000 because I just took it out.

• 26:36Caleb Hammer?

  And of course the payment gets taken from your paycheck.

• 26:41Caleb Hammer?

  That's so stupid. 5,000? Why was it 5,000? Because this was 2,541 dollars when you took out the 401k loan.

• 26:51Speaker 04

  I put the, the rest of it towards like other debts, just like a little bit towards, uh.

• 26:57Caleb Hammer?

  What are we doing? So you've never actually made progress. You've just taken out debt to cover debt.

• 27:03Speaker 04

  Yeah.

• 27:04Caleb Hammer?

  If you get laid off, what are you going to do to pay that five?

• 27:08Speaker 04

  Um.

• 27:11Caleb Hammer?

  Did you even know they could call it due? They very often do.

• 27:15Speaker 04

  I, I did know that they could call it due if I ever got fired or quit.

• 27:18Caleb Hammer?

  Uh huh.

• 27:19Speaker 04

  But I've never.

• 27:22Caleb Hammer?

  Weird tariff conversations going on. That affects drivers, truck drivers.

• 27:26Speaker 04

  Yeah.

• 27:27Caleb Hammer?

  Okay. Well, great. So we're no longer spending on a firm, right?

• 27:33Speaker 04

  Yeah, I'm not, I'm not using a firm.

• 27:35Caleb Hammer?

  You better not. Aviance, what? What's going on with this?

• 27:40Speaker 04

  Um.

• 27:41Caleb Hammer?

  Oh, you fucking, well, it's weird because you kinda.

• 27:45Speaker 04

  I try to pay that one off.

• 27:46Caleb Hammer?

  Well, you don't because fee, what's the fee? Maybe you do. I can't really tell. It looks like you do. Thirty-six percent interest rate. So you're fucking better. And also fuck you. Two hundred and thirty thousand of interest this year so far. Plus there's a monthly fee. Why even have this? If there's a monthly fee, you're essentially paying, you're replacing the interest, even if you do pay it off.

• 28:06Speaker 04

  Right. I, I, I try to pay it off ever since I paid it off with my tax return.

• 28:12Caleb Hammer?

  Right. Oh, great. So like a month ago.

• 28:15Speaker 04

  Yeah.

• 28:16Caleb Hammer?

  I pay it off every month, guys, starting a month ago.

• 28:19Speaker 04

  Yeah.

• 28:19Caleb Hammer?

  Okay, great. So nine hundred fifty-six dollars, balance and eighty-three cents, monthly fees. Just closes the comment. It has the monthly fees. Why would you do this? Why'd you open this card?

• 28:29Speaker 04

  Um, it's my highest balance.

• 28:31Caleb Hammer?

  I said, why'd you open this card?

• 28:33Speaker 04

  Yeah. So it has the highest amount that I can.

• 28:36Caleb Hammer?

  Highest credit limit?

• 28:37Speaker 04

  Yeah, highest credit limit. Um, and I got it so my, my credit would be better. Cause I have a, a.

• 28:45Caleb Hammer?

  That's not why you opened it. You're lying now that you're on camera. I know what the real answer to your question is. Lindsay told me what the real answer to your question is because you answered it to Lindsay.

• 28:56Speaker 04

  I think.

• 28:56Caleb Hammer?

  Why'd you open this credit card?

• 28:57Speaker 04

  I think I use it to put a down payment on a motorcycle.

• 29:02Caleb Hammer?

  You opened this credit card to go on a gambling trip.

• 29:06Speaker 04

  Oh, yeah.

• 29:06Caleb Hammer?

  In Mississippi.

• 29:07Speaker 04

  That is true. I forgot about that.

• 29:14Speaker 03

  We did not remember that being why we opened this card, but.

• 29:19Caleb Hammer?

  You remember to tell her a couple of days ago.

• 29:22Speaker 04

  Yeah, I, I just forgot.

• 29:23Caleb Hammer?

  Conveniently how we forget once we're in front of the camera, in front of millions of people.

• 29:29Speaker 04

  It was my, uh, one of our friend's twenty-first birthdays. So we wanted to bring him out to Biloxi. And go gambling with him.

• 29:38Caleb Hammer?

  I mean, now you're just getting sushi bar, the queen, pastime restaurant, pastime restaurant in Amazon. It's also stupid anyway.

• 29:46Speaker 04

  Um, I, I basically use it just to try to like negate the, uh, the fee every month. Um, I'm trying to use it and pay it off. That way I don't have.

• 29:58Caleb Hammer?

  The fee's there, though.

• 30:00Speaker 04

  Right. But I get rewards every time I use it, so.

• 30:05Speaker 03

  And we were able to pay it off the last month that we used it.

• 30:10Caleb Hammer?

  Yeah, because you got the tax return, but you have a balance now. Monthly fees are happening. You paid interest all year so far, hundreds and hundreds of dollars, tons of fees, just going out to restaurants, getting Amazon, all this bullshit, crazy $25 monthly payment. Listen, it takes eight years to pay off minimum monthly payments only. I know you're not doing that. Tell me about the reward structure.

• 30:31Speaker 04

  Um, I'm not quite positive. I think it's

• 30:34Caleb Hammer?

  Then how can you say you're doing the rewards to overcome the monthly payment?

• 30:39Speaker 04

  I just use it. I just use it until it hits that monthly, uh, monthly fee and then I try to stop using it.

• 30:48Caleb Hammer?

  Or just close the card. Cause look, you got into so much debt in the first place that you're accruing interest and not being able to pay it off until your tax return hit, only because you have kids, by the way, is why you got a decent tax return.

• 30:59Speaker 04

  Yeah.

• 30:59Caleb Hammer?

  Mm hmm. So thanks to them, which is meant to help them. You've just paid off your previous balances and now we're going out to eat again on these cards. So either way, you know, that shows that this is a dangerous card to have because you'll fall back into old habits and we'll just wait till next year's child tax credit times two.

• 31:16Speaker 04

  Yeah. I, I try to use it just for things that like we need like gas and stuff, but we do go out to eat a lot and usually I'll end up using it for that as well.

• 31:32Speaker 03

  Um, we tend to go out a lot with coworkers and our friends that we go and see on every other weekend for D and D. Um, as they live a little over an hour away. Whenever we get there in the evenings, we usually all go out to eat as a group before we play.

• 31:51Caleb Hammer?

  I mean, I don't know, guys. It's just, it's just, it's just stupid, the spending. It's just, you're still doing spending. We just saw the percentage of your income that goes to, it was 40% goes to going out to eat. And your kids eat what you eat most likely, right?

• 32:07Speaker 04

  Yeah, most of the time.

• 32:08Caleb Hammer?

  Okay. Oh, there's gonna be, some people are gonna find this so offensive, but I also don't care because those people are probably the ones who will not make it to old age, but. How's the um, um, uh, cylindrical, so, so, so, so, so, Linda, cylindrical, the, the, the radius, the, um, circumference of the children?

• 32:32Speaker 04

  Uh, our son is actually pretty small for his age.

• 32:35Speaker 03

  He's in the 11th percentile.

• 32:37Caleb Hammer?

  This way. Okay, and daughter.

• 32:40Speaker 03

  Our daughter is, um, above, and I don't know her.

• 32:46Caleb Hammer?

  She's fat.

• 32:46Speaker 03

  The, in height and weight.

• 32:48Caleb Hammer?

  Okay.

• 32:49Speaker 03

  She is taller and.

• 32:50Caleb Hammer?

  Fatter.

• 32:51Speaker 03

  Weighs more than she should for her age.

• 32:54Caleb Hammer?

  Okay.

• 32:57Caleb Hammer?

  Right?

• 32:58Speaker 04

  It's, it's probably not.

• 32:59Caleb Hammer?

  Eating what you eat.

• 33:00Speaker 04

  Yeah, it's, it's probably not healthy going out.

• 33:03Speaker 03

  As much as we do.

• 33:04Caleb Hammer?

  I mean.

• 33:05Speaker 04

  But that's.

• 33:06Caleb Hammer?

  How we doing? Not healthy. So yeah, I would say it's not healthy. And I'm sorry, again, I'm a fat saying this, but it's just like, when there's kids involved, uh, they eat what you eat.

• 33:18Speaker 04

  You know?

• 33:19Caleb Hammer?

  At that point, you gotta think about more than just the dopamine release you're getting.

• 33:23Speaker 05

  The number one YouTube membership just got upgraded. And for this month only, you can join for free. Three exclusive shows every day, Monday through Friday. Financial audit post shows, exclusive and uncensored financial audit episodes. Our call in show, Hammer It Out.

• 33:44Caleb Hammer?

  Well, then take the train, you f-

• 33:46Speaker 05

  And brand new shows, Fat and Fatter.

• 33:50Caleb Hammer?

  That is, that one is. I would go off brand.

• 33:54Speaker 05

  Behind the audit.

• 33:56Speaker 00

  What? This was wild.

• 33:58Speaker 05

  Hammer versus internet.

• 34:03Speaker 05

  And now, upgrading from one live stream a week to two. No other channel offers what Hammer Elite provides. Join with the link in the pinned comment or description below. Submit proof of purchase at hammerelite.com and we'll reimburse you for the first month with a $10 digital gift card that can be spent anywhere in most countries. Sorry, North Korea, this one isn't for you.

• 34:26Caleb Hammer?

  Yeah, this is how we have to do a free trial on here because the platform doesn't currently offer free trials.

• 34:31Speaker 05

  It's okay, it's worth it.

• 34:33Caleb Hammer?

  Yeah, it is.

• 34:34Speaker 05

  Join Hammer Elite, the best membership on YouTube today for free.

• 34:41Caleb Hammer?

  Okay, oh, there's more spending. Oh, there's so much more spend. Oh, I'm this fucking stupid car that is accruing so much. Oh, that has fees. Bullshit. Stupid. Listen, I get it if you're putting a utility payment on here in order to get the benefit that paid off the fucking monthly fee. Just close the card anyway. Doesn't make any sense. It's a dangerous tool. It's a hammer that you're fucking taking back and hitting your own head. Then we're not even using it for that bullshit. You're using it as an excuse to go spend money. More money. Lakeside bar. Go in and get in some bullshit. Bianca Bar and Lounge. Gotti's Pizza, Lakeside Bar, Dairy Queen, I think, maybe? Lakeside Bar, Krispy Kreme, Chick-fil-A, Lakeside Bar,

• 35:21Caleb Hammer?

  Pan Express. Again, not one single thing that is considered even remotely healthy. Uh, Chick-fil-A, you can sometimes get some good options. Chipotle, you can get some good options. And Chipotle and Chipotle, okay? But it's mostly just bullshit. And if we're being honest, are we doing the healthy options of Chipotle and Chick-fil-A?

• 35:37Speaker 04

  Definitely not.

• 35:38Caleb Hammer?

  Okay, so, and thank you for being honest, but why? You're, you have to spend in order to get the rewards to negate the monthly fee, but you're using that as an excuse to just go get fucking slop.

• 35:52Speaker 04

  I think it also stems from the fact that I don't really have an emergency fund. I, I like to have that high limit to be able to use just in case an emergency arises.

• 36:03Caleb Hammer?

  In high limit. What's the, but you're just blowing it all on food anyway. How about instead of just going out to eat every five seconds of our life, we build an emergency fund?

• 36:13Caleb Hammer?

  The crazy concept.

• 36:16Speaker 03

  We did have one last year, um, before we totaled two of our cars.

• 36:21Caleb Hammer?

  No gap insurance?

• 36:23Speaker 03

  We did on both. Uh, but we had to get rental cars and put down payments on another car.

• 36:29Speaker 04

  Have a rented option? We did not have a rental on our insurance.

• 36:32Speaker 03

  Not on our first car that was totaled, uh, but on our second one, we did.

• 36:36Caleb Hammer?

  Share a car. Congratulations. Welcome to Co-Transportation.

• 36:40Speaker 03

  We did do that for a few months. We just recently got a.

• 36:44Caleb Hammer?

  How did it drain an emergency fund then?

• 36:46Speaker 03

  Um, we did not have.

• 36:48Speaker 04

  It wasn't.

• 36:49Speaker 03

  We did not have.

• 36:49Caleb Hammer?

  So it was a single month emergency fund. It's that. Okay, so that's different. Don't say we had an emergency fund. We didn't have an emergency fund. He had a barely, barely hold us over the corner. The fact that we drained a 2,000 hour emergency fund and we haven't built it back up is telling. Baton Rouge ain't expensive. It's not expensive. No one wants to live there. It's a horrible place, no offense. Um, but that's where all the cop shows are filmed, right?

• 37:12Speaker 04

  Yeah.

• 37:13Caleb Hammer?

  These are the ones that I've seen, so, you know, that's all the knowledge I have on it.

• 37:17Speaker 04

  Yeah.

• 37:17Caleb Hammer?

  Um, plus Louisiana is a declining state completely, so like, it just happens.

• 37:24Caleb Hammer?

  Okay.

• 37:27Caleb Hammer?

  Okay, what's going on with this quicksilver card?

• 37:30Speaker 04

  Which quicksilver is that one?

• 37:32Speaker 03

  Uh, uh, World Elite Mastercard Quicksilver.

• 37:38Caleb Hammer?

  I don't know, the one at nine hundred nineteen dollars and eighty-three cents?

• 37:42Speaker 04

  That one's your quicksilver?

• 37:44Speaker 03

  Um, probably used on a lot of the same thing. Um, a lot of these cards we put money on.

• 37:56Caleb Hammer?

  For what?

• 37:56Speaker 03

  Shortly.

• 37:56Caleb Hammer?

  Um, I don't see spending on here luckily, but there is interest accruing and it's actually maxed out. That's why there's no spending. Great, okay. Why'd you open this card?

• 38:04Speaker 03

  Um, I.

• 38:06Caleb Hammer?

  Cause remember, I know the real answer to this. You literally have told them the answers a couple of days ago. As they know I'm gonna ask the question, they put in what the answer is. Cause they're great, we have a level of system here, it's perfect. Hard workers.

• 38:22Speaker 03

  I.

• 38:24Caleb Hammer?

  And the answer's insane. If I'm telling you the answer's insane, does that help you or is there insane things across the board?

• 38:31Speaker 03

  Um.

• 38:32Speaker 04

  We might have maxed that one out whenever I got my, uh, my motorcycle.

• 38:37Caleb Hammer?

  Well, maybe. Maybe, I don't know if that's the exact reason, but here's what I have. She opened this card after a fight about money and this is where her, her re- retaliation card. Who the does that?

• 38:49Speaker 03

  Um.

• 38:50Caleb Hammer?

  Stop smacking your lips.

• 38:52Speaker 03

  There was a lot of money being spent on Boudreaux's end. And there were some things that I needed, such as new glasses and we were, um, a lot of our car- the cards were being used for things, um, they should not have been used for. And we, I was mad about it and I needed to have a way to pay for things that I needed to pay for, um. And so we

• 39:24Caleb Hammer?

  What would I say if I went back in time and spent on this card to bring it to the max? At thirty percentage, just stop, swag in those lips, I'm gonna get a spray bottle and I'm gonna spray you.

• 39:33Speaker 03

  Um, probably a lot of the same thing that was used on the other cards. Going out to eat.

• 39:40Caleb Hammer?

  So it wasn't things you needed. So that was a bullshit excuse. That was a lie.

• 39:45Speaker 03

  Probably.

• 39:46Caleb Hammer?

  Okay, why do you lie then? Why'd you lie?

• 39:49Speaker 03

  Cause it probably started as needing it for glasses, but over the years it probably just got mixed in with the rest of our cards. And just used for the same thing that they were all used for. Which ended up being

• 40:02Caleb Hammer?

  Listen, I mean, sixty-six dollars and forty-one cents in interest this year so far. I mean, it's just, it's not a high balance, but it's a max out balance. It's a max out balance. And he has said that you use this card for Amazon purchases. Again, I don't know anything about you because I'm going blind, but they know everything about you.

• 40:19Speaker 04

  We did use that card a lot for stuff on Amazon for the kids.

• 40:23Caleb Hammer?

  Pull up the Amazon. Do we share an Amazon?

• 40:27Speaker 04

  Yes, we do.

• 40:28Caleb Hammer?

  Whoever wants to pull it up, pull it up.

• 40:33Caleb Hammer?

  How many times have you dropped this phone?

• 40:36Speaker 03

  Um, I work, I work with children. That's bad.

• 40:39Caleb Hammer?

  Gum food grade powder.

• 40:42Speaker 03

  We were making bubbles.

• 40:46Caleb Hammer?

  Bang Energy Corn Candy Sugar Free Energy Drink.

• 40:49Speaker 04

  No, that one's me.

• 40:50Caleb Hammer?

  Sugar free pulling a lot of weight there. Wanderance Handmade Antique Envelope.

• 40:54Speaker 03

  We had those for D and D.

• 40:56Caleb Hammer?

  Cool, fuck your D and D. I don't give a fuck about your D and D. D and D is a fun game. Fuck you. I don't give a fuck. You're spending money when you don't have money, when your max out credit cards. What are you talking about? What are you talking about? What are you talking about? 401k loan? In order to pay off debt, don't do a D and D. Don't spend on D and D and then pay off your fucking debt instead of taking out a 401k loan. The fuck are you talking about? Dinner replenish your two thousand hour emergency fund. You don't spend money on D and D. Wax stamps for the stupid, stupid D and D. Antique wine scaling, wax beads probably for stupid D and D. Double sided glue nail stickers, vintage water cooler paper, Bang Energy Drinks. Bang Energy Drinks every second of our stupid lives. Why? We have five things in the cart. What do we have? Uh, ooh, rotatable hangers for bras.

• 41:41Caleb Hammer?

  I was gonna say, that sounds really nice until it was for bras. I was gonna say, that'd be actually, you know, I'd be open to it. Uh, skirts, hangers, okay, we're condensing hangers. Probably have too much, too many clothes at this point then.

• 41:52Speaker 03

  Yeah, we're uh-

• 41:53Caleb Hammer?

  Men's slippers, women's slippers, and men's casual shoes.

• 42:01Speaker 00

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

• 42:27Caleb Hammer?

  Yo, Juan.

• 42:28Speaker 03

  Uh, I am trying to consolidate, um, for our-

• 42:34Caleb Hammer?

  Stop!

• 42:38Caleb Hammer?

  How do you do though? How do you do it so much?

• 42:40Speaker 03

  I don't know.

• 42:41Caleb Hammer?

  After I just said it, then you did it half a second after I just said it?

• 42:44Speaker 03

  I don't think I notice I do it.

• 42:47Speaker 03

  No, no one's ever commented on it before the show.

• 42:50Speaker 04

  Um, just, uh, oh, she's got a wet mouth.

• 42:54Caleb Hammer?

  Oh. Oh. Oh, no. Oh.

• 43:04Caleb Hammer?

  Stop it. Stop it now. In fact, I'm going to go take a Sander Mind therapy session after you just said that.

• 43:15Speaker 03

  Um.

• 43:17Caleb Hammer?

  Hmm.

• 43:18Speaker 03

  Oh, uh, nothing.

• 43:19Caleb Hammer?

  No, that's O's and S's, not to say anything. Okay, that's okay. Apple Card, $2,313. What's going on with this one, guys? Um, the Kings and Queens of Ums, $2,313.30. Minimum monthly payment, $78.

• 43:40Caleb Hammer?

  People, I've seen so many people online since the history of this show starts say that we have, we pay for actors to come on the show and fix the situation. If this episode doesn't prove that they're not fucking actors, I don't know what will.

• 43:54Speaker 03

  Um, this card, he has access to. This is, I've used it one time. This is the, the Apple Card that I do not see that I.

• 44:05Caleb Hammer?

  Cause you've used it once.

• 44:06Speaker 03

  I used it once to go print something out.

• 44:10Caleb Hammer?

  Minimum monthly payments only without any purchases. How long does this take to pay off, guys? What do we think?

• 44:15Speaker 03

  A couple of years.

• 44:16Caleb Hammer?

  Okay, 13 years. What are we talking about? That's horrendous. Then we'll be 40.

• 44:24Speaker 00

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

• 44:49Caleb Hammer?

  Forty something, right? Forty-two? Let's be real, your phone bill probably costs more than your gym membership. And it's not even getting you in shape. That is why Helium Mobile is such a game changer. You can get a phone plan for literally $0 a month with their Zero Plan. There's no contracts, no credit card, and no, that's not code for, "We'll hit ya with a secret fee later." It's free. The wild part, you get rewarded just for using it in cloud points. Think airline miles or credit card rewards, but for your phone. You rack up points by using the service. And then cash them in for gift cards to places like Amazon, Starbucks, Sephora, DoorDash, you name it. Over 50 brands and nonprofits in the app. So not only are you saving money

• 45:33Caleb Hammer?

  every month, you're basically getting paid to text your friends and scroll memes, coffee, takeout, and even tech paid for with points. Click the link in the description to check out the free phone plan and use code Caleb to get $10 in cloud points, which can be redeemed for gift cards to your favorite brands after being a user for 90 days. Let's get back to the video. So why doesn't she see the card, Bordeaux?

• 46:00Speaker 04

  Um, I have no issue showing her the card.

• 46:03Caleb Hammer?

  So why doesn't she see it?

• 46:04Speaker 04

  She sees it whenever she asks to see it.

• 46:06Caleb Hammer?

  Why don't you ask to see it more, Lady Bordeaux?

• 46:08Speaker 03

  I used to, um, but now I, it's had such a high limit the entire time. I can't imagine we're putting.

• 46:19Speaker 04

  I do.

• 46:19Speaker 03

  Um, and we pay, what card, what bill do you have on there?

• 46:23Speaker 04

  Um, I pay the Office of Motor Vehicles for Louisiana, $50 every month. So I pay towards it, an extra 50.

• 46:31Caleb Hammer?

  Okay, I just got information on this one. We're actually gonna go more in the post show into this because it's very private information. Uh, let's just say the vast majority of this bounces through spicy material that has been purchased historically. And we'll go into the full situation in the post show for demonetization reasons and privacy reasons. So if you want to do that, check out the post show. Gotcha. That's a lot of spicy material, though. How, over how long was the spicy material? And how much was spent?

• 47:03Speaker 04

  I know. A few months, I want to say. I did.

• 47:05Caleb Hammer?

  That much in a few months?

• 47:06Speaker 04

  I, I did pay like yearly subscriptions.

• 47:10Caleb Hammer?

  You got goon written all over you. I see it, right? He's a gooner, right? He's a gooner, right?

• 47:18Speaker 03

  Possibly, um, I tend to stay out our, of that business now.

• 47:23Caleb Hammer?

  We, uh. Stay out of the goon zone?

• 47:25Speaker 03

  Caused a lot of problems in the past when it was ongoing.

• 47:30Caleb Hammer?

  Well, that's what you want to talk about in the post, right? Okay, we'll save it for there. I get it. That's fine. That's fine. I know. Privacy, scary. Hundreds of thousands of people, millions at the eclipse. I get it. Okay. So naughty, naughty, naughty, naughty, naughty little guy. A goon card, little goon card.

• 47:49Caleb Hammer?

  Okay. Wow.

• 47:51Speaker 04

  I just do free stuff now.

• 47:52Caleb Hammer?

  I've never had a Goon card before. Well, so, no, okay. Lots to dive into there. We will get there.

• 48:01Caleb Hammer?

  Total charges, credits and returns to this period. Oh, you had some return. Well, no charges. What were these charges for? Wait, what's happening?

• 48:10Speaker 04

  Probably Apple.

• 48:12Caleb Hammer?

  Oh, Apple, Apple, pull out your phone for me. Cause she did not have any subscriptions. I looked. Now, the interest at $214 this year so far, it's at a 26.24% interest rate. Again, minimum monthly payment is $78, $2,313.30 balance. If you're gonna Goon, you may as well Goon on the Fizz card, because it's a debit card that builds credit. Am I right?

• 48:36Caleb Hammer?

  Unfortunately, there's not a Goon certification with Course Careers, but maybe I can convince him to do it. But it is good for boosting your resume. D and D Beyond.

• 48:46Caleb Hammer?

  Okay, probably cancel that. Yeah, no more spending money on D and D. Sorry. Sorry. You already got the PC. Enjoy it. Don't buy more games.

• 48:57Speaker 04

  I did that because I just got into DMing for the first time.

• 49:01Caleb Hammer?

  Okay, and now you're out of it.

• 49:04Caleb Hammer?

  Right?

• 49:05Speaker 03

  Yeah, we, uh...

• 49:06Caleb Hammer?

  Apple TV Plus is very good, but you're subscribed to your service. That's fine. That's good. Okay, I'll allow that. And I got a Plus. It's something out of the world. And we need some storage here and there. Okay. Both of you are just absolutely fucked up phones, by the way.

• 49:22Speaker 03

  I think it comes with territory of having kids.

• 49:28Speaker 03

  And...

• 49:30Speaker 03

  Working outside.

• 49:33Caleb Hammer?

  Who works outside?

• 49:34Speaker 03

  He's in and out of his truck all day.

• 49:37Speaker 04

  Yeah.

• 49:38Speaker 03

  Dropping and hooking the trailers.

• 49:40Speaker 04

  I only go like a couple of miles on the road.

• 49:42Caleb Hammer?

  I'm so sorry, buddy. But do you have like a... Taco Bell, right?

• 49:48Speaker 04

  Yeah, I do go to Taco Bell.

• 49:50Caleb Hammer?

  Uh, can you, uh, type in for me, if you may?

• 49:56Caleb Hammer?

  Your breakfast, Taco Bell, snacks, all those stuff, in as much detail as possible. Write exactly what you get in your average orders for breakfast, lunch, dinner, and snacks, please. Okay? Uh, we're gonna keep it going. You, as much detail the items, and say the restaurant locations as well. And break it down by breakfast, lunch, snack, dinner.

• 50:17Caleb Hammer?

  Okay, quick silver card.

• 50:20Caleb Hammer?

  Yours, his, Bordeaux's. Not Lady Bordeaux. Okay, so.

• 50:29Caleb Hammer?

  Mr. Bordeaux, I'll let you focus on that for a second, but I'll read out this card. He has a quick silver. In that quick silver, he owes $2,473.96. These balances are insane. These minimum payments are stacking like crazy. Minimum monthly payment of $84. No new purchases, but interest accruing like crazy. Why not new purchases? It's borderline maxed out. 15 years to pay off if we do minimum payments only without any purchases. Something tells me if we get a little more room by the balance going down, we're just gonna do purchases. Historically speaking, at least on your guys' end. It is a $241 interest this year so far. We're talking, what are we talking about? Fees and interest combined like $1,500, $2,000 this year so far. Cross all the cards we're looking at. We're looking at basically just under a 30% interest rate.

• 51:15Caleb Hammer?

  This is our entire life that we're just destroying and putting on hold dramatically.

• 51:21Speaker 03

  Yeah, we have.

• 51:22Caleb Hammer?

  For what? For what? Just so we can keep going out to eat? We have kids! We don't have an emergency fund and we have kids, but we're going out to eat like crazy, 40% of our income.

• 51:35Speaker 03

  Yeah.

• 51:35Caleb Hammer?

  No emergency fund, children, 40% of our income going out to eat. That is deeply unacceptable, is it not?

• 51:45Speaker 03

  It is.

• 51:45Caleb Hammer?

  Then why the hell are you still doing it?

• 51:48Speaker 03

  Um, there is no reason for it.

• 51:55Speaker 03

  Anytime we go out with the kids, it's always.

• 51:57Caleb Hammer?

  What about your breakfast?

• 51:58Speaker 04

  I accidentally hit enter. It was a breakfast crunch wrap. From Taco Bell.

• 52:03Caleb Hammer?

  And what about snacks? You got any snacks?

• 52:05Speaker 04

  Um, no, I typically tend to like. Go Gertz or stuff that she sends me with lunch for snacks.

• 52:13Caleb Hammer?

  Alright dude. I mean, again, this is just putting this all in these cards. We are looking at, you are consuming 4,337 calories a day. You're supposed to be at 2,500.

• 52:27Speaker 04

  Yeah, more or less, 25.

• 52:29Caleb Hammer?

  So I just wanted to call that out since we're having the conversation.

• 52:34Speaker 04

  Yeah, I've I've put on a lot of weight over the last like year and a half, I would say.

• 52:38Caleb Hammer?

  Which begs my question again, are you sure we can even have kids if we weren't around? I don't think so. No offense, dude. Well, when you get like to that level, because I'm like on the edge. When you get to like, you're, I think you're like double me, maybe. I'm not sure. It doesn't matter. It's not a competition. You're nuts, not potent.

• 52:58Caleb Hammer?

  You don't carry the the little swimmies.

• 53:02Caleb Hammer?

  Do you guys want to have another kid?

• 53:04Speaker 04

  I'm okay without anymore.

• 53:05Caleb Hammer?

  Okay, well, then you're okay. We'll just die at sixty instead. But but at least no more kids.

• 53:12Speaker 04

  Yeah.

• 53:15Caleb Hammer?

  I don't know. What do you think of that? What do you think of that? Four thousand three hundred calories your husband is consuming daily? Daily.

• 53:25Speaker 03

  That's not great. Um, I don't usually count my calories either, so I'm not sure where I'm at. I

• 53:36Speaker 03

  usually just eat.

• 53:39Speaker 03

  Whenever on the weekends, we usually both got to eat and we'll all.

• 53:42Caleb Hammer?

  New eat. Four thousand calories a day.

• 53:46Speaker 03

  Possibly.

• 53:47Caleb Hammer?

  What's your weight right?

• 53:48Speaker 04

  Uh, I weigh almost three hundred and I weigh, I'm five six.

• 53:57Speaker 00

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

• 54:24Caleb Hammer?

  You have kids, you have each other. It's more than just you guys at this point, right? Uh, so your BMI is forty eight point four.

• 54:33Speaker 04

  I looked into.

• 54:33Caleb Hammer?

  Which is morbidly obese.

• 54:34Speaker 04

  GLP one medications before.

• 54:37Caleb Hammer?

  Yeah, it can be a good way to do it. It can be a good way to do it, but even still, what people lose like thirty pounds typically with that?

• 54:42Speaker 04

  Yeah.

• 54:43Caleb Hammer?

  And, um, so you're eight point four points over morbidly obese. Eight point four points.

• 54:54Speaker 04

  I also haven't weighed myself in like six months.

• 54:56Caleb Hammer?

  You think it went up? I mean, with these calories.

• 54:59Speaker 04

  Definitely could have. It definitely could have.

• 55:04Caleb Hammer?

  Now, I'm in the obese category, technically, obese class one, but then there's obese class two, then morbidly obese, there's overweight, under obese class one, and then there's normal weight. In order for you to be normal weight, you would need to be at max 154 pounds, which is half of your weight. Half of your weight is considered normal weight. BMI is not perfect, but I'm just throwing it out because this is important to think about because you guys want to be there for your kids. You want to have energy for your kids. Not so your kid is eating what you're eating. Okay, if you're consuming 4,300 calories today, what's our, what are our kids doing? You know, maybe is the boy a little more active?

• 55:42Speaker 03

  Um.

• 55:42Caleb Hammer?

  Is that why he's keeping it off? He's also younger.

• 55:45Speaker 04

  I think he might have ADHD. So he has a hard time like sitting down.

• 55:49Speaker 03

  He doesn't sit down and he doesn't, he's also very picky about what he eats.

• 55:54Speaker 04

  He is very picky.

• 55:55Caleb Hammer?

  Good. In this context, for the first time ever. Good. Okay, it just, it just concerns me. It just concerns me. Do you understand my concern that I'm not picking on you?

• 56:05Speaker 03

  Yes.

• 56:06Speaker 04

  Yeah.

• 56:06Caleb Hammer?

  Um, because a lot of people think it's fat phobic to like talk about it in a medical way. No. If I was sitting there and saying you're disgusting for being fat, that's like fat phobia, right? But if we're just talking about, you are not healthy.

• 56:17Speaker 04

  I talk about it all the time. So I don't.

• 56:19Caleb Hammer?

  Why have you done nothing?

• 56:20Speaker 04

  Um.

• 56:22Caleb Hammer?

  I'm a little bit of a hypocrite for that one, but.

• 56:23Speaker 04

  I think it's hard, like, working in the truck and like.

• 56:28Caleb Hammer?

  Yeah.

• 56:29Speaker 04

  Staying in the truck like 12 to 13 hours a day.

• 56:32Caleb Hammer?

  Every truck driver I've ever seen is obese. Absolutely. Yeah, but you gotta pack your foods and you gotta find times outside of work to try to get some workouts in. And again, I'm a little hypocritical for this one, but okay, Capital One saver card. Who's this?

• 56:49Speaker 03

  I believe that was mine.

• 56:51Caleb Hammer?

  Okay, cool. What's up with this? Not purchasing, interest is occurring, almost maxed out.

• 56:59Speaker 03

  I'm not quite sure.

• 57:01Caleb Hammer?

  All that to get to that. Okay. One thousand eight hundred sixty-three dollars and fifteen cents.

• 57:06Speaker 03

  A lot of these cards we've had for years and they've had high balances on them probably the entire time.

• 57:12Caleb Hammer?

  Takes thirteen years to pay off. Minimum payment sixty-six dollars. Apparently this is the same time as your retaliation card, I'm being told, so.

• 57:21Speaker 03

  Yeah, um, we probably used on unnecessary purchases during that time. Um, and back in.

• 57:30Caleb Hammer?

  I mean, you only stopped spending on it recently because it's not that far from Max.

• 57:33Speaker 03

  In twenty twenty-three.

• 57:36Speaker 04

  For like Christmas presents and stuff as well.

• 57:38Speaker 03

  We did go on a trip out to San Antonio in twenty twenty-three.

• 57:43Caleb Hammer?

  San Antonio, what is like not.

• 57:45Speaker 03

  Uh, they had the solar eclipse.

• 57:46Speaker 04

  Yeah.

• 57:47Caleb Hammer?

  Okay, but it's not expensive.

• 57:49Speaker 03

  I'm sure we probably used.

• 57:52Caleb Hammer?

  It's a road trip, right?

• 57:53Speaker 03

  Yeah, during that time as well and use. Um.

• 57:59Caleb Hammer?

  Well, two hundred thirty-six thousand interest accrued this year so far on this card. So the twenty-nine point seven-four percent interest rate.

• 58:07Caleb Hammer?

  Best buy screams you.

• 58:09Speaker 04

  Yeah, that's me.

• 58:10Caleb Hammer?

  There he is.

• 58:10Speaker 04

  Um, well, we, we had just moved into a new apartment after living with my mom and some friends.

• 58:17Caleb Hammer?

  So better to go get some gaming things, well, go get some gaming things, right?

• 58:22Speaker 04

  Yeah.

• 58:22Caleb Hammer?

  Oh, I'm a gamer, I play Fortnite.

• 58:24Speaker 04

  We got a TV, uh, a switch.

• 58:27Speaker 03

  Printer and a switch.

• 58:29Speaker 04

  And then we also got.

• 58:30Caleb Hammer?

  Fuck, you need a printer at your house?

• 58:32Speaker 03

  I needed it for some stuff for work at the time, but it doesn't get used super, soup, it doesn't get used super often.

• 58:40Caleb Hammer?

  Yeah, it's a printer in twenty twenty-five. It's like workplaces.

• 58:45Speaker 04

  I don't think we ever even got paper for the printer.

• 58:49Speaker 00

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

• 59:14Speaker 03

  We've had paper, we have used.

• 59:16Caleb Hammer?

  Sell it. Sell it. Go to Kinkinko's if you ever gotta get it, okay? You ever got a print? $1,160.19. This, this one's not maxed out. $11.62 minimum to pay. And it's actually interest free right now. And I got, I got, you got your TV so you can get your Fortnite frames. I get it. Got a switch because you have a kid, which is a good excuse to get a switch. I can't find a good excuse for me to get the switch too right now. So maybe I need to put a baby in someone and then I can get a good excuse. It's a big commitment though, just to get a switch too. 30.49% interest rate, but why isn't it, okay, so, oh, lots of deferreds. Well, one ends in, two end in a few months.

• 59:58Caleb Hammer?

  And then the other three end at the beginning of next year in about six months.

• 1:00:02Speaker 04

  Yeah, I, I've been trying to make sure that I'm able to pay those off before the interest hits.

• 1:00:07Caleb Hammer?

  It's all deferred. $613 of deferred interest has been, is just waiting, is just waiting. What are you doing?

• 1:00:18Speaker 03

  Guess to buy August, right?

• 1:00:21Caleb Hammer?

  Yeah, for some of them. Yeah, two, two, a month and a half, a month and a fucking stupid half. You have to pay off $369.

• 1:00:34Speaker 04

  I should be able to pay that off.

• 1:00:38Caleb Hammer?

  Uh, $369 divided by, well, really, you just have to, essentially you just have to make that payment next month. Okay. Put that in parentheses. It's essentially the only option or you get. Oh, it's a 3D printer?

• 1:00:59Speaker 04

  I do have a 3D printer, but no, she's talking about, uh.

• 1:01:03Caleb Hammer?

  Why do you have a 3D printer? Sell it.

• 1:01:05Speaker 04

  Okay.

• 1:01:06Caleb Hammer?

  Yeah?

• 1:01:07Speaker 04

  I think.

• 1:01:08Speaker 03

  Yeah, we, we got the 3D printer.

• 1:01:10Speaker 04

  I think I got it pretty cheap. Yeah.

• 1:01:12Caleb Hammer?

  Then sell it. Make a profit.

• 1:01:15Speaker 04

  I usually use those for like mini fakes for D and D.

• 1:01:18Caleb Hammer?

  Yeah, we're no longer spending money on D and D.

• 1:01:22Speaker 03

  Yeah, we just told them the other day that we were cutting down on how often we were coming out there.

• 1:01:27Caleb Hammer?

  Sell it. Hey, you got a TV, you got a PS5, you didn't tell me that.

• 1:01:31Speaker 04

  I, I was, I was getting there.

• 1:01:33Caleb Hammer?

  Uh huh. Professional gooner, always getting there. Never arrives.

• 1:01:39Speaker 06

  That's what she said.

• 1:01:44Caleb Hammer?

  Why dude? You're just a gamer to the core, but you're blowing all your money, put it on debt. That's about the if you don't make a massive payment by this next month.

• 1:01:52Speaker 04

  Yeah.

• 1:01:54Speaker 03

  I think we had it budgeted in to pay extra towards that this month.

• 1:01:59Caleb Hammer?

  You guys have no money. I don't know what the fuck you're talking about. Yeah. And the interest rates insane. Okay. What's the Amazon? Who has the Amazon card?

• 1:02:06Speaker 04

  That's me.

• 1:02:07Caleb Hammer?

  Really?

• 1:02:08Speaker 04

  Yeah.

• 1:02:08Caleb Hammer?

  Okay. What's going on? What was going on with this?

• 1:02:10Speaker 04

  Um, I opened it because

• 1:02:14Speaker 04

  I opened it because uh, I they they had this deal going on whenever you first opened it to like, get so many like

• 1:02:25Caleb Hammer?

  And now the deal is that you're purchasing and you have a balance that you can't pay off. That takes eight years. If you only do minimum payments without purchases, which you're incapable of and $34.50, uh, $34.25 of interest accrues on a monthly basis for minimum monthly payment of $49. That's the deal. It's a good deal. Okay. Yeah, I'm sure you got some sign up bonuses. Well, look, it's you're not credit card people.

• 1:02:46Speaker 03

  Yeah, we got

• 1:02:47Caleb Hammer?

  It's maxed out. It's actually maxed out.

• 1:02:49Speaker 03

  Yeah, we use that to get a lot of things for our apartment.

• 1:02:53Speaker 04

  That uh, my Amazon Prime payment goes on there and uh, I've only been making minimum payments instead of paying the extra for that.

• 1:03:01Caleb Hammer?

  Yeah, prime and crime video.

• 1:03:03Speaker 04

  I think it's been going up instead of down like I wanted it to.

• 1:03:06Caleb Hammer?

  Uh, yeah, that's what happens when we don't look at our finances. You guys said you looked like once a month, right?

• 1:03:10Speaker 04

  Um, I usually just look.

• 1:03:12Caleb Hammer?

  We would catch.

• 1:03:13Speaker 04

  I usually just look at like the balance and

• 1:03:16Caleb Hammer?

  And the balance isn't going down. What does that tell us? Maybe we'll look at the purchases.

• 1:03:20Speaker 04

  I don't think I paid attention to it that that hard.

• 1:03:25Caleb Hammer?

  $173 of interest this year so far. 26.49% interest.

• 1:03:32Caleb Hammer?

  This year so far. All right. Financial audit listeners. I just wanted to give you a quick update real quick because I let you know what tools and everything I'm using in my own personal life. And I want to let you know after a couple of years, I finally made the switch to a better platform for investing. And I got a lot of signup bonuses, so you can get some money if you come with me. So I've made the switch to Weebull because It is the first platform that actually makes sense that I've used in a long time. Whether I'm on my desktop or phone, I've got full control. I'm talking real deal charting tools, technical indicators and stock screeners that actually help you make smarter moves. So whether you're just starting out or just paper trading to learn the ropes, or you're like me and want extended hours, Weeble's built for that.

• 1:04:15Caleb Hammer?

  And this is where this gets good, cuz if you open a new account or you're transferring one over, Weeble's tossing out some wild bonuses for only my audience. If you put in a hundred bucks, you get thirty days of Weeble premium. Transfer in or deposit two thousand to ten thousand dollars and you'll get two hundred dollars in cash right now. And if you've got big monies like five million dollars, yeah, there's up to thirty thousand dollars in cash bonuses. Oh, and I'll throw in an extra one thousand dollars and they'll throw in an extra year of Wall Street Journal. So if you've got an account just sitting somewhere collecting dust, move it to Weeble like I did. Do you wanna start investing? Do it with Weeble like I do right now. It get in the hint here, there's a lot of money just sitting there.

• 1:04:59Caleb Hammer?

  And this is a much better platform than the one I was using before. So just go to weebel.com or click this QR code. Links are in the description below. Just get started. Get money. Credit one, credit one, who's credit one?

• 1:05:11Speaker 04

  That's me.

• 1:05:12Caleb Hammer?

  Dude, this is the worst it gets. This is like the worst credit card.

• 1:05:15Speaker 04

  Yeah, that was my first credit card.

• 1:05:16Speaker 03

  Yeah, I was like, he's had that since before we met.

• 1:05:18Caleb Hammer?

  Me, man, why? The fees that are just hitting usually.

• 1:05:22Speaker 04

  I used to have two. But I did cancel.

• 1:05:25Caleb Hammer?

  Then cancel this one.

• 1:05:27Speaker 04

  I have to pay it off first.

• 1:05:29Caleb Hammer?

  Pay it off, nine hundred and seventy-three dollars and fifty-seven cents. At least you're not getting those fees up the butt like usually with this. And then a twenty-eight point six-five percent interest rate for you to pay this off, forty-nine dollar minimum payment. What'd you put it on here?

• 1:05:46Speaker 04

  Um, I think just random bull.

• 1:05:50Caleb Hammer?

  Did you use this card to put five hundred dollars, five hundred dollars on a motorcycle or was that the last card?

• 1:05:54Speaker 04

  I think I did it on a couple of cards because it was two thousand dollars.

• 1:05:58Caleb Hammer?

  You put a down payment on a credit card for a motorcycle?

• 1:06:01Speaker 04

  Yeah.

• 1:06:01Caleb Hammer?

  Do you ride the motorcycle?

• 1:06:03Speaker 04

  Not in the last like two years.

• 1:06:06Caleb Hammer?

  Two fuck years, sell that shit.

• 1:06:08Speaker 03

  We're, we're trying to. We've been looking.

• 1:06:11Caleb Hammer?

  Trying to?

• 1:06:11Speaker 03

  We've had it on Marketplace. We've talked to people.

• 1:06:14Caleb Hammer?

  Then it's priced too high.

• 1:06:15Speaker 04

  Yeah.

• 1:06:15Speaker 03

  Yeah, cuz we were trying.

• 1:06:17Caleb Hammer?

  To sell it for?

• 1:06:18Speaker 03

  What we still owe on it, cuz we financed on it.

• 1:06:23Speaker 03

  Ludo made some points on

• 1:06:27Speaker 04

  I thought it was gonna be cheaper because of gas and insurance. And then I realized that the driving in Baton Rouge is really bad. And it kind of scared me and I was like, I don't think.

• 1:06:37Caleb Hammer?

  Yeah, you'd get shot.

• 1:06:38Speaker 03

  Yeah, at that time, we were living over forty-five minutes away from his job. So we were looking for, and we were sharing a car. So we were looking for something that was a little easier and would be a little cheaper for a second vehicle option. It turned out to not be feasible after we got it. But he, we, he rode it for a while and now the battery has trouble.

• 1:07:04Caleb Hammer?

  Oh, for stupid, absolutely dumb, stupid, stupid sake. What the? Who's Capital One Platinum?

• 1:07:11Speaker 04

  That's me.

• 1:07:12Caleb Hammer?

  Is everything yours?

• 1:07:15Speaker 04

  A lot of it's mine.

• 1:07:17Speaker 03

  I think we both have a platinum.

• 1:07:19Caleb Hammer?

  Okay, balance of three hundred fifteen dollars and ninety-eight cents. The minimum monthly payment of twenty-five dollars. What's going on with this?

• 1:07:30Speaker 04

  In November, we decided that we were gonna get some outfits for Renaissance Festival.

• 1:07:36Caleb Hammer?

  You f-ers. Oh, why do you spend so much money on this shit? Well, you, I would love you to, when you don't have fucking debt.

• 1:07:46Speaker 01

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• 1:07:55Speaker 01

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• 1:08:16Speaker 03

  Yeah, we have definitely put in way too much money and time into D and D and Ren Fest and stuff over the years. It's something we enjoy, but we definitely could scale back a little bit in how much we invest.

• 1:08:36Caleb Hammer?

  Scale back to zero. You have no money. You don't have an emergency fund.

• 1:08:43Speaker 04

  I figured after-

• 1:08:44Caleb Hammer?

  You scale back. You scaled back.

• 1:08:47Speaker 04

  I figured after I paid for those outfits, we could continue to wear those outfits. So it was like, kind of an-

• 1:08:52Caleb Hammer?

  Yeah, you're wearing them to Walmart?

• 1:08:55Speaker 04

  Just to the Renaissance Festival every year.

• 1:08:57Caleb Hammer?

  Uh huh, and?

• 1:08:59Speaker 04

  And we've only worn it once, so.

• 1:09:01Speaker 03

  For Ren Fest last year. Or we wore them twice, the, the two times that we went this past year.

• 1:09:07Caleb Hammer?

  Oh, for fuck's sake, dude. You've had a late fee this year.

• 1:09:13Speaker 04

  I did call and get them to undo that.

• 1:09:15Caleb Hammer?

  Oh, I don't see. It's not, it's not showing me, undo. Undoed. Not showing me, undo.

• 1:09:21Speaker 03

  Um, that late fee was due to, we were relying on my paycheck to come in and it was the first time my paycheck ever did not come in on the-

• 1:09:30Caleb Hammer?

  Why did it not come in?

• 1:09:31Speaker 04

  Capital One had a big issue, so they, uh-

• 1:09:35Caleb Hammer?

  Shouldn't have to rely on a single paycheck to make a minimum monthly payment of $25. If that's where we are, we're, we're beyond, we're not talking about scaling back. We're talking about going to zero.

• 1:09:45Speaker 04

  It's, it's because I used my past paycheck to pay off all the bills because I figured there was going to be another one coming in for there.

• 1:09:54Caleb Hammer?

  Well, I live on the edge that always have a little bit of a cushion in the checking account, like a thousand bucks.

• 1:09:59Speaker 03

  We sometimes have a little bit of cushion, but it's never been that much.

• 1:10:02Caleb Hammer?

  And it never lasts that long.

• 1:10:04Speaker 03

  Yeah.

• 1:10:05Caleb Hammer?

  Hundreds in interest, I think. 27.99% interest rate. Okay, Quicksilver One, who is this?

• 1:10:13Speaker 03

  Probably mine.

• 1:10:14Caleb Hammer?

  Uh, finally back to her. Good. Oh, substantial balance with this one, let me tell you. Maxed out. 1,000, no, about a hundred bucks away. Ninety bucks away. $1,558.09 is out on here with a minimum monthly payment of $58. What's going on?

• 1:10:33Caleb Hammer?

  Twelve years to pay this f***er off.

• 1:10:35Speaker 04

  I actually think that's my quicksilver.

• 1:10:37Speaker 03

  Might be your quicksilver.

• 1:10:37Caleb Hammer?

  Oh, dude, this is you, you, you, you, you, over and over again. Maybe it is you who's this house.

• 1:10:44Speaker 04

  Cause mine has a sixteen hundred balance or.

• 1:10:47Caleb Hammer?

  Thirty percent interest rate, hundred ninety seven dollars this year so far. Why'd you go into this debt?

• 1:10:53Speaker 04

  I wanna say that I just use it for just random bull.

• 1:10:59Caleb Hammer?

  They're saying you got to get more credit.

• 1:11:01Speaker 04

  Yeah, just to have a higher balance, like a higher limit.

• 1:11:06Caleb Hammer?

  That's so silly. Why have a higher limit that allows you to have more interest accruing constantly?

• 1:11:12Speaker 04

  Well, so.

• 1:11:12Caleb Hammer?

  This ruins you.

• 1:11:13Speaker 04

  I get it. And then I say, I'm not gonna use this. And then.

• 1:11:16Speaker 03

  We end up using it.

• 1:11:17Caleb Hammer?

  And then you do it every single time. Yeah, you think that won't apply the next time?

• 1:11:21Speaker 04

  Yeah.

• 1:11:22Speaker 03

  Um, I'm not, I don't remember which one, but some of these credit cards we did use last year for the, for the rental cars and we did accrue, we did.

• 1:11:32Speaker 04

  That was mission lane.

• 1:11:33Speaker 03

  That was the mission lane that we used.

• 1:11:35Caleb Hammer?

  I don't know, man. Uh, discover, who has discover it?

• 1:11:41Speaker 04

  That's me.

• 1:11:42Caleb Hammer?

  Dude, it's just you, you, you, you, you.

• 1:11:44Speaker 04

  Yeah, I.

• 1:11:45Caleb Hammer?

  It'd be hard to problem.

• 1:11:46Speaker 04

  Because I, I make more than her, I'm usually able to get, uh.

• 1:11:51Caleb Hammer?

  More, but you also spend more.

• 1:11:53Speaker 04

  Yeah.

• 1:11:54Caleb Hammer?

  Or, or a combined household. Wait, we're not married. Why? Again, maybe we should, I don't know. You guys just enable each other. You guys are bad influences on each other. And you blame each other.

• 1:12:05Speaker 03

  We do tend to enable each other on a lot of purchases.

• 1:12:11Speaker 03

  But it's the purchases that we don't discuss that seem to lead to.

• 1:12:17Caleb Hammer?

  Everything. Fifty eight dollar minimum payment, balance of a thousand six hundred sixty eight dollars and twenty three cents, thirty seven dollars, eighty five cents of interest accruing, six years to pay this one off.

• 1:12:30Caleb Hammer?

  Oh, you got this one for a balance transfer. I wish you guys could tell me instead of what you guys told the producers the other day and then somehow completely forgot by the time you came on that show. Uh, well, it's a balance transfer, but it's a 27.24% interest.

• 1:12:42Speaker 04

  Well, it was supposed to be a balance transfer for zero percent interest. And then, once I got it, it didn't allow me to do a balance transfer because they only had it for a limited time for some reason. So they, they marketed it as a balance transfer, but once I got it, it wasn't. So I just kinda spent it like a normal credit card.

• 1:13:01Caleb Hammer?

  May I ask, what's the level of Down's syndrome in this household?

• 1:13:05Speaker 04

  Zero, I believe.

• 1:13:10Caleb Hammer?

  Okay, just checking the till.

• 1:13:13Caleb Hammer?

  Uh, Care Credit.

• 1:13:15Speaker 03

  We got that for our dog.

• 1:13:16Caleb Hammer?

  Of course we did, because pet insurance, why would we?

• 1:13:18Speaker 03

  We do have pet insurance.

• 1:13:20Caleb Hammer?

  And, well, I guess that makes sense because it's a 485 instead of thousands and thousands, right?

• 1:13:25Speaker 03

  Yes, um, he, so far this year, has had to have both of his canine teeth removed. For, he was estranged, um, and they were, we brought him for his checkup this year for his rabies shots and everything to be up to date. And they said both his teeth were, canine teeth were infected or in, um,

• 1:13:50Caleb Hammer?

  Good, I'm glad they got it.

• 1:13:51Speaker 03

  And so they removed both of those.

• 1:13:52Speaker 04

  He's also going through heartworm treatment.

• 1:13:55Speaker 03

  He is going through heartworm treatment right now.

• 1:13:56Caleb Hammer?

  Okay, yeah, it's hard.

• 1:13:58Speaker 04

  The insurance doesn't cover his heartworms, so.

• 1:14:03Caleb Hammer?

  Okay, it's bad insurance.

• 1:14:05Speaker 04

  It's because he had them, he was diagnosed with them before we got.

• 1:14:08Caleb Hammer?

  Well, it's interest-free, $30 minimum payment. Uh, this expires on February, February, end of February next year. Okay, it is differing interest, $50 and 85 so far, 485.

• 1:14:25Caleb Hammer?

  Pay that off, and let's call it seven months to be safe. Uh, okay, we need to make 69, we need to make a $70 payment on a monthly basis. So we need to make sure we're doing that.

• 1:14:36Speaker 03

  Okay.

• 1:14:37Caleb Hammer?

  Okay.

• 1:14:40Caleb Hammer?

  Thirty-two point nine-nine percent. Yeah, we gotta hit this hard. Okay, one main financial. Whose is and why?

• 1:14:47Speaker 03

  I'm.

• 1:14:48Caleb Hammer?

  Twenty-five point two-six percent.

• 1:14:50Speaker 03

  I think it's both of ours.

• 1:14:51Speaker 04

  But it might just be on my name.

• 1:14:53Caleb Hammer?

  Wait, what is this? Is this a car?

• 1:14:55Speaker 03

  No.

• 1:14:55Caleb Hammer?

  What the is this?

• 1:14:57Speaker 04

  We actually switched from a different loan that had a much higher interest rate.

• 1:15:01Caleb Hammer?

  Much higher than twenty-five point two-six?

• 1:15:03Speaker 03

  And much higher monthly payment.

• 1:15:07Speaker 04

  A shed, hoping to turn it into like a tiny home.

• 1:15:11Caleb Hammer?

  Oh, guys, what the are you doing? What are you talking about?

• 1:15:14Speaker 03

  We're.

• 1:15:15Caleb Hammer?

  And how'd that go?

• 1:15:16Speaker 03

  Um, it did not. Yeah, we have not been working on it. We were looking.

• 1:15:24Caleb Hammer?

  Are you renting it?

• 1:15:25Speaker 03

  No.

• 1:15:26Caleb Hammer?

  So what the is the purpose of this?

• 1:15:28Speaker 03

  We were looking to buy a trailer and we had put down a down payment. Um, and we had signed paperwork and we're just waiting to sign closing paperwork. And something came up. And we were not able to get it, but we had moved out of our apartment and we're living with family. And we thought it would be a easy way to cheaper.

• 1:15:55Speaker 04

  And have a place of our own.

• 1:15:56Speaker 03

  And have a place for our own to move into.

• 1:15:58Caleb Hammer?

  Guys, what the?

• 1:15:59Speaker 04

  But we haven't renovated it to live in.

• 1:16:02Speaker 03

  Um, Ida hit later that year and then he started truck driving.

• 1:16:06Caleb Hammer?

  Hurricane.

• 1:16:07Speaker 03

  And then he was over the road for the next six plus months until.

• 1:16:14Speaker 04

  We just don't have the money to renovate it.

• 1:16:16Caleb Hammer?

  Yeah, no. So where'd this money go to? You're breathing heavy.

• 1:16:21Speaker 03

  Okay.

• 1:16:21Caleb Hammer?

  Which is okay. It is another. No, no, no, no, no. It's okay. But it's another indication of we should probably, we need to really get on a diet. Okay, keep going.

• 1:16:31Speaker 03

  A year after we got the original loan with the tiny house, they cut his hours significantly. So we went from

• 1:16:43Speaker 03

  paying the higher interest rate and almost $800 a month for it down to the 430. That is on the one main.

• 1:16:51Caleb Hammer?

  Yeah, it's a 428.39 on a monthly basis, 25.26% interest rate. $10,932.18 is your current balance. So what the fuck are we doing with this then? Can we get rid of it?

• 1:17:05Speaker 04

  We still want to pursue maybe living in it at some point, but we have to find the money to put into it to be able to.

• 1:17:13Caleb Hammer?

  Okay, what about Mission Lane? Who's this?

• 1:17:14Speaker 04

  That's mine.

• 1:17:15Caleb Hammer?

  Dude, it's all yours. She's had.

• 1:17:21Caleb Hammer?

  Yeah.

• 1:17:23Speaker 03

  Most of them we share together. We just.

• 1:17:27Caleb Hammer?

  Minimum monthly payment, $750. And 63 cents is the balance of the minimum monthly payment of 2673.

• 1:17:38Speaker 04

  That was when we needed the rental cars.

• 1:17:43Caleb Hammer?

  Okay, well, we're losing $18.73 in interest for past rental cars. Her $96 this year so far at a 29.99% interest rate.

• 1:17:53Speaker 04

  Yeah, we even when we had the coverage for the second rental car, we still had to put the damage waiver.

• 1:18:01Caleb Hammer?

  Which was how much?

• 1:18:03Speaker 04

  It was like $400.

• 1:18:06Speaker 03

  Yeah, it's.

• 1:18:07Caleb Hammer?

  Here's the bike. Here's the stupid mother stupid tip bike. Okay, what the even is it? What's the model? What is the?

• 1:18:15Speaker 04

  It's a 2018.

• 1:18:18Speaker 03

  A Softail Slim.

• 1:18:19Speaker 04

  Softail Slim.

• 1:18:19Caleb Hammer?

  So you rode it for two years?

• 1:18:21Speaker 04

  Yeah, I haven't ridden it in like two years.

• 1:18:25Speaker 03

  We we we jump it and we start it every once in a while, but he has not drove it in a while.

• 1:18:31Caleb Hammer?

  430, $430.52 a month is the payment. Or no, yeah, it's the monthly payment. What's the balance, though?

• 1:18:42Speaker 04

  It's like 12,000.

• 1:18:43Caleb Hammer?

  No, at what interest rate?

• 1:18:46Speaker 03

  I think it's lower than that now.

• 1:18:47Speaker 04

  I think it's like 17%.

• 1:18:49Caleb Hammer?

  10,000 is 17% for a fucking motorcycle? Wow, what is it?

• 1:18:54Speaker 03

  Yeah, we.

• 1:18:58Speaker 03

  We were just going to look at it and by the end of the time we left there, we've been there a couple hours.

• 1:19:07Speaker 04

  I actually wanted not to get it that day. I thought about waiting and I was just kind of pushed by the salesman and by uh.

• 1:19:16Caleb Hammer?

  Pushed, oh, are you not a fucking hu- are you not a man? Say no, not saying you can't say no to a salesman, but what the?

• 1:19:24Speaker 04

  Well, it wasn't just him. It was also Ruby kind of pushed me into it because it was a, it was a good idea saving gas and insurance.

• 1:19:33Caleb Hammer?

  You pushed him into it?

• 1:19:34Speaker 03

  I, it was something he wanted and we thought it would make sense. It would.

• 1:19:40Caleb Hammer?

  A father of your child?

• 1:19:41Speaker 03

  Yeah, looking more into it now, it definitely looks pretty dangerous. I've had a lot of relatives that ride motorcycles and they haven't had any problems on them. So I didn't realize how high it was until after looking more into it. Um, so I'm not upset that he has not been riding it as much. Um, we have been looking into trying to sell it. Um, but most of the inquiries we get are people saying that they can get a new one for not much more than ours.

• 1:20:10Caleb Hammer?

  Yeah, probably.

• 1:20:12Speaker 03

  So, um.

• 1:20:13Caleb Hammer?

  It's not a good market for you guys versus when you got it.

• 1:20:16Speaker 03

  Yeah, so we have not had much luck with that.

• 1:20:18Caleb Hammer?

  What are you trying to sell? Oh, you're trying to sell for the balance of the loan we're saying 10,000?

• 1:20:22Speaker 03

  Um, yes.

• 1:20:24Caleb Hammer?

  It's worth about 8,900 we're seeing.

• 1:20:26Speaker 03

  Yeah, we have seen that. We have considered putting it lower and then just paying the, the difference. So we would have less of a balance.

• 1:20:36Caleb Hammer?

  No, so you don't have another minimum to pay it. You can't do anything right now. Is that all your debt?

• 1:20:41Speaker 04

  I think so.

• 1:20:42Speaker 03

  I think so. There is, it is a very long list. It is a very long list.

• 1:20:47Caleb Hammer?

  It is a very long list. It is 42,291 dollars and 97 cents on bad debt. Not a single thing good there. You don't own your cars currently?

• 1:20:56Speaker 03

  We do.

• 1:20:57Speaker 04

  We do.

• 1:20:57Speaker 03

  Um, both of them, we.

• 1:20:59Caleb Hammer?

  Is that not a debt?

• 1:21:00Speaker 04

  No, they, we own them outright.

• 1:21:02Speaker 03

  We own them. We bought them.

• 1:21:04Caleb Hammer?

  Okay, good.

• 1:21:06Caleb Hammer?

  Ten dollars in this checking account, what the is this?

• 1:21:09Speaker 03

  Um, if it's my checking account, my checks also just go straight to his.

• 1:21:15Speaker 04

  Uh, they're really old.

• 1:21:18Caleb Hammer?

  Years and miles.

• 1:21:19Speaker 04

  They're two thousand one. Chevy Suburban and then a two thousand one.

• 1:21:28Speaker 04

  Uh, over two hundred thousand of those.

• 1:21:30Caleb Hammer?

  Okay, so.

• 1:21:32Speaker 03

  Uh, the.

• 1:21:33Caleb Hammer?

  What are we gonna do when they inevitably do not work sooner than later?

• 1:21:38Speaker 04

  I may do it, do it yourself mechanic.

• 1:21:41Caleb Hammer?

  Cool, great. You did it for your last car, so.

• 1:21:44Speaker 04

  Well, those, my last cars were totaled.

• 1:21:47Caleb Hammer?

  How?

• 1:21:48Speaker 03

  Um, they, the first one, we, they had, he had a one, it was just his car, like a one accident, um.

• 1:21:57Speaker 04

  I, I had a.

• 1:21:59Caleb Hammer?

  What if you had a pole, what are you guys gonna do? Um, you can keep put, you can keep fixing it, but that's also money to.

• 1:22:04Speaker 04

  Share a car.

• 1:22:05Speaker 03

  That's what we had been doing, um, and then the, we went and we financed a new car last year after the first accident.

• 1:22:13Caleb Hammer?

  Throwing away a new car every three months on you guys is going out to eat.

• 1:22:20Caleb Hammer?

  Every three months, the amount of food you guys are putting in you is the amount that you get a okay used car, not great. Four months.

• 1:22:27Speaker 04

  After I hit that pole, we did buy a new car.

• 1:22:29Speaker 03

  And which is what we use the, and then where we use the little bit of money we had.

• 1:22:34Speaker 04

  Like seven days later.

• 1:22:36Speaker 03

  And exactly a week later, a guy ran a red light.

• 1:22:39Caleb Hammer?

  Geez.

• 1:22:39Speaker 03

  And we told the accident and no one looked into it, so we were deemed both at fault.

• 1:22:44Caleb Hammer?

  Dude, this checking account is ten dollars and fourteen cents, yet we're going and getting some bull, bull, door dashing, cash app in outdoor dashing, Chick-fil-A, Pizza Hut, food mart, food mart, food mart, bull, bull, bull, every time we go in there's this bull, your dumb little jailer thing.

• 1:23:00Speaker 03

  Um, yes.

• 1:23:01Caleb Hammer?

  Surprisingly no overdrafts this year on that one.

• 1:23:03Speaker 03

  He.

• 1:23:04Caleb Hammer?

  And then this other one that doesn't have much money in it.

• 1:23:07Speaker 03

  Money goes into his.

• 1:23:10Speaker 03

  Bank account.

• 1:23:11Speaker 04

  So the

• 1:23:13Caleb Hammer?

  Next checking account Wendy's McDonald's going in getting some BS Lakeside Bar Texas Roadhouse Lakeside Bar Water Burger tip pizza Waffle House McDonald's McDonald's going in getting to BS AMC AMC Chili's A T M with raw Domino's Lakeside Bar walk on Punjab diarrhea.

• 1:23:36Speaker 04

  Is an Indian Indian place.

• 1:23:38Caleb Hammer?

  Sounds about right and we winning us in BS again no overdraft fees savings one cent. We're on our way.

• 1:23:49Speaker 04

  I put all of my savings into

• 1:23:51Caleb Hammer?

  A lot of safety for our kids.

• 1:23:52Speaker 04

  Investment account.

• 1:23:54Caleb Hammer?

  That's not an emergency fund on investment accounts on an emergency fund. You don't know what the market's gonna do. Okay, this investment account $1,237. So that's what our big savings are.

• 1:24:06Speaker 04

  Yeah, currently.

• 1:24:09Speaker 04

  I'm trying to put a hundred dollars a week.

• 1:24:10Caleb Hammer?

  Someone who's principal financial group.

• 1:24:13Speaker 04

  That's me.

• 1:24:13Caleb Hammer?

  That's well, at least you're at 17,362.

• 1:24:16Speaker 04

  That's a 41k.

• 1:24:18Caleb Hammer?

  Is definitely dramatically behind for retirement because before taxes, you're probably times 12 probably

• 1:24:29Caleb Hammer?

  probably want you to yeah. For your age. We'd want you at minimum to be at about see 32,000. So we're still dramatically behind and then you have nothing, do you?

• 1:24:46Speaker 03

  Um, very little.

• 1:24:47Caleb Hammer?

  Okay, we have nothing. Got you. Okay.

• 1:24:51Caleb Hammer?

  Let's see if we can budget this, guys. This is, I don't know, I'm quite defeated. I'll be honest, just these numbers stack and stack and stack and stack and stack and stack and stack and stack and stack and stack. But your total income for the house is 5,500.

• 1:25:09Caleb Hammer?

  Debt payments. Here we go. Our debt minimum monthly payments. None of this is even a mortgage. So $1,499.26. No car payment. We do have a bike payment, but no car payment. This is insane debt payments. What's your rent?

• 1:25:25Speaker 04

  1,200.

• 1:25:26Caleb Hammer?

  Utilities? All combined plus internet?

• 1:25:29Speaker 04

  1,500. 210.

• 1:25:32Caleb Hammer?

  210.

• 1:25:32Speaker 04

  With internet.

• 1:25:33Caleb Hammer?

  Good. Gas, room from drive, drive, both of you combined?

• 1:25:36Speaker 04

  Probably like 500.

• 1:25:37Caleb Hammer?

  Okay, car insurance?

• 1:25:39Speaker 03

  Um, it's 275 for both cars.

• 1:25:44Caleb Hammer?

  Phone bill?

• 1:25:46Speaker 04

  Uh, 250.

• 1:25:47Caleb Hammer?

  Yeah, do you owe on your phones?

• 1:25:49Speaker 04

  She still does.

• 1:25:50Caleb Hammer?

  Once that's paid off, switch to T-Mobile. I saw you had, or I see you have T-Mobile, so switch to Helium. 250, you said?

• 1:25:56Speaker 03

  Yes.

• 1:25:58Caleb Hammer?

  Crazy. Necessary food, you and your kids. Should probably be able to do 1,200, and that's being generous. Can meal prep? And actually, I'm gonna do 1,100. Meal prep, use our budget-friendly cookbook, Meal Prep, and I don't care if you guys don't like it, or if they don't. One, diet. Two, financial diet. TP fund, anything else you and your kids need to survive? I'll do 350. Get 300. Medical, healthcare, anything on a monthly basis?

• 1:26:29Speaker 03

  Um, no.

• 1:26:30Caleb Hammer?

  Copays, blah, blah, blah, prescriptions, anything like that?

• 1:26:33Speaker 04

  No.

• 1:26:34Caleb Hammer?

  Uh, I don't know if I should ask this, but Jim?

• 1:26:38Speaker 04

  No, Jim.

• 1:26:38Caleb Hammer?

  Okay. Uh, subscriptions, we'll do 50. What's your pet insurance?

• 1:26:43Speaker 03

  70.

• 1:26:43Speaker 04

  Oh, it's 80.

• 1:26:45Caleb Hammer?

  80, pet food?

• 1:26:47Speaker 03

  Probably about 50.

• 1:26:51Caleb Hammer?

  Anything else that needs to be in your budget?

• 1:26:54Speaker 04

  I know $50 for the OMV.

• 1:26:57Caleb Hammer?

  Um, what's that?

• 1:26:58Speaker 04

  Office of motor vehicles.

• 1:27:00Caleb Hammer?

  50?

• 1:27:01Speaker 04

  Yeah.

• 1:27:04Caleb Hammer?

  I don't know how you're gonna survive. $5,564.26 is what you need to survive on a monthly basis. I mean, you're obviously underwater by $64.26. What the fuck was your plan? What was your plan? Cause I can talk about a plan, but what was your plan? Cause right now it doesn't make sense.

• 1:27:19Speaker 04

  I've been working a lot of overtime. Um, and just trying to like push to get.

• 1:27:26Caleb Hammer?

  This is with your overtime though, right? Cause you said the monthly that hits your account is 4,300.

• 1:27:31Speaker 04

  That is on a, on a month where I'm working 60 hours a week. I can work up to 70.

• 1:27:36Caleb Hammer?

  This dude, you're gonna have him working 70 hours a week on the road?

• 1:27:39Speaker 03

  He, he's not on the road. He is at home. He's not at home, but he's at a.

• 1:27:44Caleb Hammer?

  70 hours a week still. 70 hours a week. So you can work 30?

• 1:27:49Speaker 03

  It's not what I want. He is required to work those hours at his job unless he leaves.

• 1:27:54Caleb Hammer?

  He's not required to work 70.

• 1:27:55Speaker 04

  Just 60. 70 is with, 70 is with.

• 1:27:59Speaker 03

  If they have you working Saturdays.

• 1:28:00Speaker 04

  Yeah.

• 1:28:01Caleb Hammer?

  Mm hmm.

• 1:28:03Speaker 03

  I also pick up extra hours on the weekends and on days that we have people available to watch our kids.

• 1:28:09Caleb Hammer?

  It's essentially the only option. Listen, here's the thing. I don't know how you come up with 369 to avoid that deferred interest. You guys don't make enough money, but let's say you bring in 6,500 instead and you have an extra, let's call it $900 with this debt.

• 1:28:26Caleb Hammer?

  It's 900 divided by 947 months or it still takes four years, four years to pay off debt. But you guys bring in an extra net $1,000 than you do now. That's not easy. That's not as easy as that. Guys, I'll be honest.

• 1:28:44Caleb Hammer?

  This is what I think I might do.

• 1:28:48Caleb Hammer?

  I might prove our behavior by budgeting like crazy. Stop paying on some of the debts. Budget like crazy. No more spending. Show that you're being disciplined. And if you can do that for three months, come on the financial auto follow up channel. Let me see three months of statements. And if you do that and you're actually budgeting, you don't fuck around. Bankruptcy.

• 1:29:09Caleb Hammer?

  Sucks. It ain't cheap, few thousand bucks. It ain't stressful, or it ain't not stressful, especially as a couple. Some can be less stressful, some can be more stressful. These are a lot of accounts. And you gotta pay for the legal behind it. And it's still gonna be under credit seven to 10 years, depending. It's gonna, yeah, you're gonna essentially have to stay at your place, because good luck getting another big apartment complex type of rent. You need to stay at your place for as long as you can. But, I mean, still four years, bringing in extra thousand dollars a month, he's already working 70? What are we doing with the kids and everything? It's hard. This might be a bankruptcy situation, but you need to prove you changed your behavior before you do it. Because if you don't, I'll see you here in two years again, being right back

• 1:29:52Caleb Hammer?

  where you are. And we've seen that on the show. People who've been through bankruptcy and they're back to right where they were, because they didn't change your behavior. So you got credit, and then you got finances. Let's just settle credit. That might be what I do. Or, put in the hours, if you can bring in extra thousand dollars a month. There's that. Now, I know we're gonna talk about your crazy pornography in the post-show. It's gonna be very interesting. If Eric cares to hear about that, because I don't know, he spent thousands on that in a couple of months. But, um, yeah, that's gonna be interesting. So, I'm gonna do your Hammer Financial Score. Bankruptcy is probably the thing you gotta come back on the follow-up

• 1:30:36Caleb Hammer?

  channel. But guys, listen. Join Hammer Elite in the description below. Join our membership. Hammer Elite is the middle tier. It is the best tier, best YouTube membership on the platform in the history. And they have told us that, as we are the second largest now, on our way to number one on the platform, because it is the best. So join that, thousands of hours of extra content, multiple dedicated shows a day, every single day of the work week, not just financial, more shows that you get to enjoy throughout the day. So subscribe, it's awesome. Let's get your hammer financial score spending a budget technically because a little extra money came in. I'll just do choose some extra payroll. You actually made it, but they just went all to fast food. So the spending within the budget two out of 10

• 1:31:19Caleb Hammer?

  because it still wasn't going good spending. Debt is horrendous, but at least no collections or IRS debt. So one out of 10 is as bad as you can get without those two. Emergency fund, there's nothing zero out of 10. Retirement. Yeah. But if we combine you guys together, that brings you down dramatically. So two out of 10. Real estate, zero out of 10. It's going to be a hammer financial score of one out of 10. All right. Join us in the post show. You already know it's going to be a really goony conversation. It's going to be a good one. But if you don't want to be like someone that would be a guest on the show, all you have to do is download the Dollar Wise Budgeting app, start your free trial, sign up for the annual version. I will sign our budget friendly cookbook, mail it directly to you and join Dollar Wise Central, which is the all in one membership, which includes the budget app and all of our educational programs, all in one for

• 1:32:03Caleb Hammer?

  a much cheaper cost than buying them individually. I'll see you in the post show. Decision was made today to keep this behind the scenes. You were sending pictures of the girls.

• 1:32:10Speaker 03

  I used to find out just because I would see like the payments on the card. It was like what something. It would also be like videos.

• 1:32:18Caleb Hammer?

  Or they do just.

• 1:32:19Speaker 04

  Say my name.

• 1:32:20Caleb Hammer?

  People do this?

• 1:32:21Speaker 04

  You can tip one there for certain things.

• 1:32:23Caleb Hammer?

  To get tipping for? Elusive members content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content.

• 1:32:34Speaker 07

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