Radical Femcel Is Literal Garbage | Financial Audit

▶ Last week, you thought you saw the craziest post-show yet- but now that's not true... I get her roommate on the phone and she starts going WILD yelling at me and fighting. It's fully Caleb Springer. Wildest one yet: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶▶ Download my budgeting app today: https://calebhammer.com/app - don't overcomplicate this crap! All you need is an automated and SIMPLE budget. This comes with live CFP sessions, weekly classes, an online community, automatic account connections, my budget-friendly cookbooks, and exclusive discounts on my products Check it out :) Get your first month for a dollar at https://getkikoff.com/caleb today! Click the link https://relayfi.com/calebhammer and get $100 when you sign up for a business checking account with Relay. Terms and conditions apply. ▶▶▶ Download my budgeting app today: https://calebhammer.com/app ▶ Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶ Come to my live show in Austin on Feb 22nd: https://www.calebhammer.com/live ▶EDUCATION: 1) Bundle my budgeting, debt + investing program for *15%* *off* : https://calebhammer.com/classpack/ 2) The best budgeting program online: https://calebhammer.com/budget 3) Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing 4) Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula 5) Get your own free Hammer Financial Score: https://www.calebhammer.com _______________________ ▶RESOURCES 1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link 2) Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services. Click this link https://j.moomoo.com/Caleb to get up to 15 free stocks from moomoo U. S when you make a qualified deposit + earn 4.6% on uninvested cash + an additional 3.5% APY Coupon for 3 months for new users!! Terms & Conditions Apply 3) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 4) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer 5) The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 6) Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today! 7) Helium Mobile: save a ton on your phone bill, sign up and get 30 days of FREE trial when using promo code CALEB https://hellohelium.com/ 8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 9) Therapy: Make SonderMind your mental health home in 2025. Sign up at: https://pages.sondermind.com/caleb/ 10) Build you own stan store: https://www.stan.store/?ref=CalebHammer Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:03Caleb Hammer?

  This sounds like you're [__] up your entire life. You could be under a bridge with your daughter.

• 0:10Speaker 01

  Well, that's not gonna happen.

• 0:11Caleb Hammer?

  It could happen.

• 0:12Speaker 01

  It won't.

• 0:12Caleb Hammer?

  Especially if we're asking daddy for money for rent.

• 0:15Speaker 01

  Yeah.

• 0:16Caleb Hammer?

  Most men cheat.

• 0:17Speaker 01

  I call them munchers or like leeches.

• 0:19Caleb Hammer?

  Is this gonna be one of your interesting things where you don't have a statistic? Okay, there you go.

• 0:23Speaker 01

  Yeah.

• 0:25Caleb Hammer?

  Download my new simpler budget app today and take control of your money once and for all.

• 0:32Speaker 01

  Hi, my name is Jenna. I'm 24. I live in San Antonio, Texas, and this is Financial Audit.

• 0:37Caleb Hammer?

  Thanks for coming up from San Antonio. What do you do for a living down there?

• 0:40Speaker 01

  Uh, well, I actually work in Austin.

• 0:44Caleb Hammer?

  That's a [__] commute. For anyone that doesn't know, that's like an hour and a half minimum.

• 0:48Speaker 01

  No, it's an hour, but with traffic, it's an hour and a half.

• 0:52Caleb Hammer?

  Okay, what do you do in apparently Austin for a living?

• 0:55Speaker 01

  Uh, Amazon delivery driver.

• 0:57Caleb Hammer?

  Why aren't you doing that in San Antonio? I think they have Amazon in San Antonio.

• 1:00Speaker 01

  Yeah, but it was making more.

• 1:02Caleb Hammer?

  It makes more here. Does it pay more?

• 1:04Speaker 01

  Yeah.

• 1:04Caleb Hammer?

  Specifically more hours? What is it?

• 1:06Speaker 01

  More. Well, I think it's more. I mean, I've never worked in San Antonio.

• 1:10Caleb Hammer?

  The commute?

• 1:11Speaker 01

  Yeah.

• 1:12Caleb Hammer?

  Okay.

• 1:12Speaker 01

  Well, I meant like Amazon. I never worked at, uh, in San Antonio as a driver.

• 1:18Caleb Hammer?

  So you don't know?

• 1:20Speaker 01

  It, well, it was $18 an hour whenever I looked, and then here was 1975, and then I recently.

• 1:26Caleb Hammer?

  Does that make up for the hour and a half?

• 1:30Caleb Hammer?

  Both ways, three hours a day?

• 1:31Speaker 01

  I mean, I do spend like $20 a day for gas, but sometimes my roommate and I, uh, commute like we carpool.

• 1:38Caleb Hammer?

  Does she do the same job?

• 1:39Speaker 01

  Yeah.

• 1:40Caleb Hammer?

  It's a bit weird. Okay, that's cool. Sure, sure, sure, sure. So you're making 19 what an hour?

• 1:46Speaker 01

  Well, it was 1975, but we got a raise, so I make 2125.

• 1:51Caleb Hammer?

  Very good. Okay, 2125. How many hours a week are you working?

• 1:55Speaker 01

  Uh, 40 hours. Well, yeah, 40 hours. It's, uh, four days, so it's 10 hours, and then I have three days off.

• 2:02Caleb Hammer?

  About 40 hours.

• 2:03Speaker 01

  Yeah.

• 2:04Caleb Hammer?

  All right. How do you, how we feel and live in San Antonio is cheaper for what it's worth?

• 2:08Speaker 01

  For sure.

• 2:08Caleb Hammer?

  So that helps, but I mean, you're, that commute, it really is.

• 2:13Speaker 01

  Oh, yeah, it's, it's, I feel like I'm taking a trip. I'm like, time to, a road trip, you know?

• 2:17Caleb Hammer?

  Yeah, daily, but I hope that doesn't mean we're stopping, spending a lot of money, but we'll see. Okay, how how you feeling living on that?

• 2:25Speaker 01

  Uh, compared to what I was working, which it was McDonald's.

• 2:29Caleb Hammer?

  When?

• 2:30Speaker 01

  Uh, a year ago. I I've been with this job for a whole year and a month or so. So like, like, last year I worked at M or sorry McDonald's and I was getting fourteen twenty five. So it was a good four or five.

• 2:44Caleb Hammer?

  Okay. Yeah, I'm sure that was harder to live off of. But how are we living now, though? I want to know how.

• 2:49Speaker 01

  I feel like I'm getting above water, less like, I don't have to ask my parents as much.

• 2:54Caleb Hammer?

  As much? Well, hold on, what are we, twenty four?

• 2:59Caleb Hammer?

  How much were you asking your parents a year ago for what?

• 3:03Speaker 01

  Uh, to help pay bills. I would ask.

• 3:05Caleb Hammer?

  In like what way? Go like tell me.

• 3:07Speaker 01

  Okay, so um, sometimes I was short on bill like, I mean, I I would be spending money on things and then I would eventually need help for rent or um, like any bill, basically.

• 3:23Caleb Hammer?

  How often?

• 3:24Speaker 01

  Almost every month.

• 3:26Caleb Hammer?

  Really? And now you're saying.

• 3:27Speaker 01

  I hated asking them like.

• 3:28Caleb Hammer?

  How many hours a week did you work at the at the McD's?

• 3:31Speaker 01

  How many hours?

• 3:32Caleb Hammer?

  Yeah.

• 3:32Speaker 01

  Forty.

• 3:33Caleb Hammer?

  Okay, and you just weren't stretching. How expensive was your rent?

• 3:36Speaker 01

  Um, well, at that time I was mainly living alone, so it was.

• 3:39Caleb Hammer?

  Mainly, what's mainly?

• 3:41Speaker 01

  Mainly was so twenty, let's see, what what year is this? Twenty twenty two is whenever I got a roommate, which is my roommate now.

• 3:50Caleb Hammer?

  Okay.

• 3:51Speaker 01

  But before that, it was just me. So it was.

• 3:54Caleb Hammer?

  How much were you paying? Because you because did you still take? Did you still get money from them once you had your roommate?

• 4:00Speaker 01

  Occasionally, yes.

• 4:02Caleb Hammer?

  Well, you're occasionally now you're saying, because you're saying less than before, meaning you're still occasionally.

• 4:06Speaker 01

  Yeah, I actually, okay, so last year I I asked them like every month, but this year or not last year, sorry.

• 4:13Caleb Hammer?

  Twenty twenty three.

• 4:14Speaker 01

  Twenty twenty four. I only asked them like once because I got injured.

• 4:20Caleb Hammer?

  What? What happened?

• 4:21Speaker 01

  Uh, I was, I was, I'm actually also a trainer at uh, Amazon, so I was training someone.

• 4:27Caleb Hammer?

  Uh, is this a separate job or is this included in the forty?

• 4:30Speaker 01

  Separate?

• 4:31Caleb Hammer?

  How many hours a week are you working that?

• 4:33Speaker 01

  Oh, wait, what?

• 4:34Caleb Hammer?

  No, no, I'm asking, is that included in the forty hours you gave me for the twenty one twenty five?

• 4:38Speaker 01

  Yeah, that that's like this is part of my job.

• 4:40Caleb Hammer?

  It's a part of your job. Okay, so this isn't something separate. This is not a separate income, correct?

• 4:46Speaker 01

  No, it's not.

• 4:48Caleb Hammer?

  Okay.

• 4:49Speaker 01

  It's my Amazon delivery job.

• 4:52Caleb Hammer?

  I know, because it sounds like two jobs. So I thought maybe there was.

• 4:55Speaker 01

  No, I'm a trainer to help someone like I go on their route to help them.

• 4:59Caleb Hammer?

  Yes, yes, yes. Okay.

• 5:00Speaker 01

  Okay. Yeah. So I was training them, learning, like teaching them how to do stuff and I pulled my back and I twisted it and I was.

• 5:06Caleb Hammer?

  How long were you out? Did you get?

• 5:08Speaker 01

  I got, I got some work comp. It was like three hundred dollars and I was out for like a month.

• 5:14Caleb Hammer?

  How'd you survive? Do you have dependents or anything?

• 5:17Speaker 01

  Dependents?

• 5:18Caleb Hammer?

  Yeah. Anyone that relies on you? I mean, you rely on your parents, so I guess not. Oh, you do have a kid. Oh, so there are dependents. How many kids?

• 5:26Speaker 01

  One. She's six.

• 5:28Caleb Hammer?

  A six? Well, you had a kid young.

• 5:31Speaker 01

  Yeah, first time.

• 5:32Caleb Hammer?

  But roommate and I'm not hearing dude. So where's dude that dropped the load?

• 5:37Speaker 01

  Where what?

• 5:39Caleb Hammer?

  Where's man?

• 5:40Speaker 01

  Oh, we haven't been together since two, uh, twenty nineteen and.

• 5:45Caleb Hammer?

  So was that then? Like, am I doing that math correct, essentially?

• 5:49Speaker 01

  Uh, kind of. Well, twenty eighteen, the, so twenty eighteen is whenever I got pregnant. It was, it was actually the first time I had sex.

• 5:57Caleb Hammer?

  No.

• 5:58Speaker 01

  Yeah.

• 5:59Caleb Hammer?

  First time you had sex and it resulted in little baby?

• 6:03Speaker 01

  Mm hmm. I'm very fertile.

• 6:05Caleb Hammer?

  That means you must be, one, terrified to have sex again and two.

• 6:11Speaker 01

  Yeah, yeah, no, it was.

• 6:13Caleb Hammer?

  Two. Why? Fuck, why were you guys not wearing protection? Or why were you not doing any protection? Or why didn't we do a little, you know, pill the next day?

• 6:25Speaker 01

  Yeah.

• 6:25Caleb Hammer?

  There was a lot of like whys. After your first time, what didn't you think like?

• 6:30Speaker 01

  I was very naive. I was like, oh, I'll, I'll know whenever I miss my period.

• 6:35Caleb Hammer?

  And then you knew and then had a kid. What, what did you think was gonna happen?

• 6:39Speaker 01

  Or anything.

• 6:39Caleb Hammer?

  Well, I knew. So you're just, you didn't care if you were gonna get pregnant or not?

• 6:43Speaker 01

  Well, there was, yeah, I guess.

• 6:46Caleb Hammer?

  Eight, really? What, what?

• 6:47Speaker 01

  I, I didn't make any like precautions of it.

• 6:49Caleb Hammer?

  No, but you didn't care.

• 6:52Speaker 01

  I get, yeah.

• 6:53Caleb Hammer?

  Okay, what's up with dude?

• 6:54Speaker 01

  Uh, he's a child. Not, not like that, not like, he is, he acts like a child. He's twenty-three now, I think, and he still lives with his dad. I call it silver spooning.

• 7:09Caleb Hammer?

  Twitter will get very upset seventeen and eighteen.

• 7:12Speaker 01

  Yeah, I mean, it was, we're a year and a half apart, so it wasn't that. I did, I was called a cougar, but I'm like, we're only a year and a half.

• 7:21Speaker 01

  But, yeah, so.

• 7:23Caleb Hammer?

  Well, okay, you say he's a child, but is, or do you have full custody? Like, what is the situation?

• 7:27Speaker 01

  Yeah, I have eighty percent, he has twenty percent.

• 7:29Caleb Hammer?

  Okay, so is he in San Antonio then?

• 7:31Speaker 01

  Yeah.

• 7:32Caleb Hammer?

  Okay, so he actually does the twenty percent?

• 7:34Speaker 01

  Yes.

• 7:35Caleb Hammer?

  Okay, cool.

• 7:36Speaker 01

  Babysitter. Emotionally, I don't know there.

• 7:40Caleb Hammer?

  What, what?

• 7:41Speaker 01

  I call him a babysitter, but, cause he's not emotionally there, you know.

• 7:45Caleb Hammer?

  Okay, okay, do you receive anything?

• 7:47Speaker 01

  Uh, yeah.

• 7:48Caleb Hammer?

  Child support, because it's not fifty, fifty, okay. What, what are you getting from the dude? Cause we gotta include in your income.

• 7:53Speaker 01

  Yeah, so.

• 7:54Caleb Hammer?

  Figure out your income.

• 7:55Speaker 01

  In the paper, it's like four hundred and.

• 7:58Caleb Hammer?

  Well, what does he do for a living?

• 7:59Speaker 01

  Um, that's a good question, cause.

• 8:02Caleb Hammer?

  Yeah, I love a good, good answer.

• 8:04Speaker 01

  Well, so he works at Circle K, I think, but he's been also injured. So he's been out for months and hasn't.

• 8:12Caleb Hammer?

  To disability?

• 8:13Speaker 01

  Yeah, he's getting disability, so I'm getting that check, but it's not like, like, so for, um, child support, I would, I used to get it every single week. Like a hundred twenty-six dollars.

• 8:24Caleb Hammer?

  Weekly, okay.

• 8:25Speaker 01

  But since he got injured, now I just get one load randomly in the month.

• 8:30Caleb Hammer?

  He already did one of those. You don't need more, trust me.

• 8:33Speaker 01

  You got me there.

• 8:34Caleb Hammer?

  Resulted in something.

• 8:35Speaker 01

  He got me there.

• 8:37Caleb Hammer?

  Okay, how much comes on a monthly basis?

• 8:39Speaker 01

  Um, with the one load, it's five hundred and fifty, but on the court papers, it says like four thirty, so I'm not.

• 8:47Caleb Hammer?

  Why is there more?

• 8:48Speaker 01

  Getting more.

• 8:48Caleb Hammer?

  Well, why are you getting more?

• 8:50Speaker 01

  I don't know.

• 8:50Caleb Hammer?

  Does he know he's giving more than required?

• 8:52Speaker 01

  I think he knows that he's ahead. He's head of paying, paying child support.

• 8:56Caleb Hammer?

  Oh, okay, so he's counting it like that?

• 8:59Speaker 01

  Yeah.

• 8:59Caleb Hammer?

  So he's trying to like pay off a debt almost?

• 9:01Speaker 01

  Basically.

• 9:02Caleb Hammer?

  So five fifty a month, okay, and then what hits your account on a monthly basis from your job?

• 9:06Speaker 01

  Um, a month, let's see, I, I usually get twelve, I, I like to say twelve hundred bi-weekly.

• 9:12Caleb Hammer?

  You like to say twelve hundred, but what, what hits? I don't care.

• 9:16Speaker 01

  Maybe like a foul eleven hundred? I don't know.

• 9:18Caleb Hammer?

  Why would you like to say twelve hundred?

• 9:20Speaker 01

  Okay, okay, no, actually, I say twelve hundred, but actually it happens is thirteen hundred. Sorry.

• 9:25Caleb Hammer?

  Why would you just, why, why not just the right number? Why not the right number? How do we budget off a wrong number? That doesn't make any sense. What do you mean?

• 9:31Speaker 01

  A little bit lower, you know?

• 9:33Caleb Hammer?

  Why? That doesn't make any sense.

• 9:34Speaker 01

  Just so like if I do come up with like.

• 9:36Caleb Hammer?

  Do you even know what hits your account?

• 9:38Speaker 01

  Yeah, just not off the top of my head.

• 9:41Caleb Hammer?

  And download our app. Download our simpler budget app for sake, please.

• 9:45Speaker 01

  Okay.

• 9:45Caleb Hammer?

  You get it for free forever, the premium version, but download that. Yeah, well, you're a guest on the show, so you you get everything. We want to hook you up, but download that and you'll actually can see that you'll see. You'll see what money actually goes in and what money goes out because it's automated. Sake.

• 10:04Speaker 01

  I would say twenty four hundred.

• 10:05Caleb Hammer?

  Payroll. I thought, oh, well, that's a, is that true? Thirty eight, fourteen?

• 10:11Speaker 01

  Thirty eight, fourteen. Well, where'd you get that number?

• 10:15Caleb Hammer?

  I don't know. That's what I have payroll on the spreadsheet. Looks like it was an extra paycheck month, though.

• 10:20Speaker 01

  Oh, yeah.

• 10:20Caleb Hammer?

  Potentially the month that we're looking at.

• 10:22Speaker 01

  Yeah, the month, okay, so I think I gave you the December, so that was with peak season.

• 10:26Caleb Hammer?

  You were working more hours.

• 10:28Speaker 01

  We were working sixty hours. We were working ten hours, six days. Yeah. So it's like almost thirty.

• 10:34Caleb Hammer?

  But you're saying it's thirteen hundred every two weeks.

• 10:37Speaker 01

  Yes.

• 10:38Caleb Hammer?

  I just like, I want to be able to budget this. If you can't give me a number.

• 10:42Speaker 01

  I'm sorry, I, yes, I, I, okay, I'll just say twelve hundred. Twelve hundred.

• 10:47Caleb Hammer?

  No, I want to know the number, dude.

• 10:51Speaker 01

  Twelve hundred. Is that, is that not?

• 10:54Caleb Hammer?

  Two hundred dollars is kind of big in this income situation.

• 10:58Speaker 01

  What do you mean?

• 10:59Caleb Hammer?

  It's not a million dollars a month where two hundred wouldn't matter as much when we're talking in below three thousand. A couple hundred bucks can make a big difference.

• 11:06Speaker 01

  Yeah.

• 11:06Caleb Hammer?

  Especially if we're asking mommy and daddy for money for rent.

• 11:10Speaker 01

  Yeah.

• 11:11Caleb Hammer?

  So what the?

• 11:13Speaker 01

  I don't like asking my parents for money. That's why I'm here.

• 11:19Caleb Hammer?

  Did I suggest asking them for my confused? What? I didn't ask. What are you talking about? No, I'm saying $200 would be important. If you have to ask your parents for money, you should probably know if you're making 1300 a paycheck or 1200.

• 11:32Speaker 01

  I'm gonna say 1200.

• 11:34Caleb Hammer?

  You're gonna say, but unfortunately you're not a reliable narrator. So like whether or not I can actually count that towards anything and then 550 from the the X.

• 11:45Speaker 01

  Oh, yes. Yes.

• 11:46Caleb Hammer?

  Did you guys ever date? Did you guys ever try?

• 11:49Speaker 01

  Yes, I did. It was passed over due. It was like a year and a half, almost two.

• 11:55Caleb Hammer?

  What was the relationship? Is that what you're saying?

• 11:57Speaker 01

  Yeah, I really tried, but he was just cheating left and right.

• 12:02Caleb Hammer?

  Yeah. And when was he popping out other babies?

• 12:04Speaker 01

  I don't know.

• 12:05Caleb Hammer?

  Dude doesn't want to pull out.

• 12:06Speaker 01

  But you know what? Actually, I have a story about like, once I, he was like, acting sketchy and he was like, oh, my friend just thinks that she's pregnant. I'm like, well, I was just pregnant. So I can give her advice, right? Turns out it was, it might be his, his baby. Oh, she ended up not being pregnant and she was also in a lesbian relationship. So.

• 12:28Caleb Hammer?

  What the are you talking about, dude?

• 12:31Speaker 01

  Yeah. Yeah, it was.

• 12:33Caleb Hammer?

  No, what are you?

• 12:35Speaker 01

  About my relationship with my baby daddy. He's, he's not the best.

• 12:43Caleb Hammer?

  Yeah, she wouldn't get pregnant if she's only sleeping with women. I'm.

• 12:49Caleb Hammer?

  Dude, okay, you confused me.

• 12:51Speaker 01

  Okay.

• 12:51Caleb Hammer?

  So payroll, this was a bigger month. This was an exciting month. 3,800 versus the usual post baby money, 2,950 dollars a month. And then, yeah, you got that 550. So cool. Uh, but of the 3,814 that came in, how much did you spend last month?

• 13:10Speaker 01

  Like bills or?

• 13:12Caleb Hammer?

  Spent. How much was spent? Debt accumulating, whatever it is. How much was spent?

• 13:17Speaker 01

  I don't know.

• 13:18Caleb Hammer?

  Come on, what do you think you spent?

• 13:20Speaker 01

  3,000.

• 13:22Caleb Hammer?

  Actually.

• 13:23Speaker 01

  Yes.

• 13:27Caleb Hammer?

  Why are you acting like that?

• 13:28Speaker 01

  I don't know how much I spent last month.

• 13:30Caleb Hammer?

  No, no, no, educate a guess. I did. No, no, no. The reason we're doing this is because I want to see where you self assess where you think you are. Like, so think of last month, think of your spending, think of the actions you're doing. What do you think you spent? Again, 3,814 came in.

• 13:44Speaker 01

  Yes. Well, last month was also my daughter's birthday, Christmas.

• 13:49Caleb Hammer?

  Okay, sure. If you need to think out loud, okay.

• 13:52Speaker 01

  Yes, I am thinking out loud. Thank you. Um, that's rude, sorry. Um, let me think.

• 14:02Speaker 01

  I honestly don't know. I'm gonna just say.

• 14:03Caleb Hammer?

  Give a number.

• 14:04Speaker 01

  I said three, I did. What do you mean? 3,000?

• 14:07Caleb Hammer?

  You spent 5,100. 5,131.

• 14:13Speaker 01

  Five, 5,000. Damn. I didn't even think I made that much.

• 14:18Caleb Hammer?

  You didn't.

• 14:19Speaker 01

  Like, I thought it was 40.

• 14:20Caleb Hammer?

  That's what I'm saying.

• 14:21Speaker 01

  Oh.

• 14:21Caleb Hammer?

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• 15:03Caleb Hammer?

  There's no credit check, so anyone can sign up. There's no hidden fees waiting to mess with your budget, and there's no interest ever. If your credit's under 600, you could jump even 28 points in your first month. You just sign up, pick a plan starting at $5 a month, and Kickoff reports your payments to all three major credit bureaus. That means you're building credit by simply making your payments on time each month. Set it up and forget it with Auto Pay. And are you worried about missing something on your credit report? Kickoff's plan includes free credit monitoring and tools to help you stay on top of your credit. And if you're renting, guess what? Kickoff can even report your rent. Rent payments to help build your credit. If you're already paying rent, why not get credit for it? All this means you're building the credit you need to unlock better loan options, lower interest rates,

• 15:45Caleb Hammer?

  and more opportunities in the future without the risk of overspending for as low as $5 a month. Head to getkikoff.com/caleb and start your first month for as little as $1. That's get K I K O F F dot com slash Caleb. Don't let bad credit be the problem that's holding you back and check out Kickoff today. No, no, you understand how much I said you made.

• 16:10Speaker 01

  I didn't hear that part. You said, well, you said that I spent 5,000, right?

• 16:16Caleb Hammer?

  I told you twice how much came in.

• 16:19Speaker 01

  Yeah.

• 16:21Speaker 01

  What, what was the, what was the number?

• 16:24Caleb Hammer?

  That's not funny. That's not funny. Are you not listening? Or you're not able to comprehend which one?

• 16:30Speaker 01

  No, I just don't remember.

• 16:34Caleb Hammer?

  3,000.

• 16:35Speaker 01

  Okay.

• 16:36Caleb Hammer?

  Eight hundred fourteen was payroll. 5,131 went out. I didn't even know I made that much. You didn't.

• 16:45Speaker 01

  I got the numbers confused.

• 16:47Caleb Hammer?

  No, you didn't. Cause you didn't know the other number.

• 16:50Speaker 01

  No, I didn't.

• 16:51Caleb Hammer?

  Do I need to like? Physical construct this for you with like fake money or something? Uh huh. Okay.

• 17:02Caleb Hammer?

  You spent $1,300 more.

• 17:06Speaker 01

  I'm curious on where.

• 17:08Caleb Hammer?

  Why don't you know?

• 17:11Speaker 01

  Well, I do know some. I.

• 17:13Caleb Hammer?

  You didn't know how much you spent? You didn't know how much came in? So what, what do you know? Yeah, what do you know? Go ahead. What do you know?

• 17:20Speaker 01

  Well, it was with my roommate's birthday.

• 17:27Speaker 01

  We went axe throwing and we also got nose piercings.

• 17:33Caleb Hammer?

  That accounts for five thousand one hundred dollars?

• 17:36Speaker 01

  No, that was like, I was budgeting four hundred on that.

• 17:41Caleb Hammer?

  What you spent?

• 17:43Speaker 01

  Around that.

• 17:44Caleb Hammer?

  Do you know how much you spent?

• 17:46Speaker 01

  No, but I was, I was mentally doing it. So I was like, eh, I think.

• 17:51Caleb Hammer?

  But you can't tell me?

• 17:52Speaker 01

  No, I cannot.

• 17:54Caleb Hammer?

  Then.

• 17:54Speaker 01

  But I did spend like around two hundred dollars on the piercings because I got hers and mine done. And then like fifty dollars on the.

• 18:01Caleb Hammer?

  You asking your parents for money to pay for rent and you're getting someone else's piercing and spending a thousand one hundred dollars more than you made in a really good earning month?

• 18:07Speaker 01

  The time that I asked for help was.

• 18:09Caleb Hammer?

  Okay, what the is going on here? Because unfortunately, actually, I don't think you'll be able to tell me. But just go, go on, go on. I want to jump into these numbers, but tell me, tell me, the, the you, the Jenna of it all, what is going on Jenny? What's happening?

• 18:24Speaker 01

  Um, so August is whenever I got injured. So that's whenever I asked. Yeah, that's whenever I asked for help and then I got.

• 18:33Caleb Hammer?

  Let's ask for help. You mean for parents? Okay.

• 18:35Speaker 01

  From my parents. I think it was like two. No.

• 18:39Caleb Hammer?

  It was like a hole right here.

• 18:41Speaker 01

  Oh, I used to do plasma.

• 18:43Caleb Hammer?

  Okay.

• 18:43Speaker 01

  Yeah, no, I feel like this would.

• 18:45Caleb Hammer?

  Continue, making sure.

• 18:46Speaker 01

  August.

• 18:48Speaker 01

  You seemed annoyed.

• 18:49Caleb Hammer?

  I am annoyed. Shut the, just tell, say.

• 18:52Speaker 01

  August, I got injured, um, asked for help and then I got caught up in December because of the, how many?

• 18:58Caleb Hammer?

  Okay.

• 18:58Speaker 01

  Uh.

• 19:00Caleb Hammer?

  Interesting definition of caught up. Go ahead.

• 19:02Speaker 01

  Uh, yes, caught up. I, I pay my bills. Um, on time.

• 19:08Caleb Hammer?

  Debatable. Let's find. Okay, keep going.

• 19:10Speaker 01

  I don't want to say anything and then you're going to call me out, but.

• 19:12Caleb Hammer?

  That's how this show works.

• 19:15Speaker 01

  Um, yeah, so that I caught up in Christmas because I worked like sixty hours, six days.

• 19:24Speaker 01

  That is

• 19:25Caleb Hammer?

  That that's that's your story?

• 19:27Speaker 01

  Yes.

• 19:27Caleb Hammer?

  That's the your what's going on here?

• 19:29Speaker 01

  Yeah.

• 19:30Caleb Hammer?

  I got hurt in August, asked for money, got caught up in December. And that's it?

• 19:36Speaker 01

  Yep.

• 19:38Caleb Hammer?

  Oh, I am not surprised that it took you about 10 emails to send us one document. Okay. Everything is making so much more sense now. Oh, okay. Yeah.

• 19:47Speaker 01

  I was having trouble sending the emails with the

• 19:49Caleb Hammer?

  Oh, we saw.

• 19:51Speaker 01

  I was like, here's my frigging credit report.

• 19:54Caleb Hammer?

  And it was never there.

• 19:56Speaker 01

  It was never there.

• 19:58Caleb Hammer?

  Okay, yeah, because your catching up is spending a thousand one hundred dollars more than you make on a monthly basis. On a high earning month. That's catching up. We're caught up?

• 20:10Caleb Hammer?

  Mom of six?

• 20:12Speaker 01

  Of six?

• 20:13Caleb Hammer?

  Year old?

• 20:13Speaker 01

  Oh.

• 20:15Caleb Hammer?

  You're right.

• 20:16Speaker 01

  Yes, yes. I mean, I also

• 20:17Caleb Hammer?

  We have a kid. We're not around anymore. It's not a joke anymore because now you're impacting more lives than just your own. Just more than your own. Yeah, like

• 20:25Speaker 01

  But the birthday present like last year, she she surprised me with

• 20:29Caleb Hammer?

  Who? Who's she?

• 20:30Speaker 01

  My roommate.

• 20:31Caleb Hammer?

  Okay, you're just saying she like

• 20:33Speaker 01

  My roommate. Uh, she surprised me with a um, a birthday party last year, so I wanted to do something nice for her.

• 20:42Caleb Hammer?

  Cool. You don't have the fucking money and then all of a sudden you're not going to be able to pay your rent and then it's on her. Happy birthday roommate.

• 20:50Speaker 01

  Yeah.

• 20:51Caleb Hammer?

  Are you trying to be cute?

• 20:52Speaker 01

  No.

• 20:53Caleb Hammer?

  What the was that?

• 20:54Speaker 01

  I don't know.

• 20:56Caleb Hammer?

  Are you taking this seriously? What are you doing?

• 21:00Caleb Hammer?

  Is this serious? Are you taking this serious?

• 21:01Speaker 01

  Yes.

• 21:02Caleb Hammer?

  Okay, because I'm not going to continue for not. You understand?

• 21:05Speaker 01

  Yes.

• 21:05Caleb Hammer?

  Like, I know you're a little

• 21:06Speaker 01

  Yes, sir.

• 21:07Caleb Hammer?

  Special, but

• 21:08Speaker 01

  Special?

• 21:09Caleb Hammer?

  Yes, but I want to make sure you're taking it seriously in the end.

• 21:13Speaker 01

  Special?

• 21:14Caleb Hammer?

  You couldn't send an email. I know what I'm working with here. Couldn't figure out what a PDF was. So like that's

• 21:22Caleb Hammer?

  So

• 21:23Speaker 01

  Yeah, the scenes. I was struggling. I was doing I was multitasking. I was at work also trying to do that. I had

• 21:30Caleb Hammer?

  Complete that task. So the multitasking wasn't the what are you talking about? Self assess. Where do you think you are in the world of finances? Zero to 10? Zero being the absolute worst finances, 10 being the absolute best finances. Where do you think you are?

• 21:45Speaker 01

  Two.

• 21:46Caleb Hammer?

  That's a relatively reasonable answer. I'm glad you think you're huh?

• 21:51Speaker 01

  I said, nice.

• 21:55Caleb Hammer?

  Okay, if you guys want to figure out where you are, where your score is, go to, go to the link below, figure out where you are in the world of finances. And if you want to come on the show and you know how to download PDFs and send emails and answer questions coherently, please feel free to go to Calebhammer.com/apply. We'd be happy to have you down here in Austin, Texas. It's a good time. Are you having a good time?

• 22:15Speaker 01

  Yes.

• 22:15Caleb Hammer?

  Got to meet some of the crew, went through all the onboarding and

• 22:20Speaker 01

  He's a lot nicer than you.

• 22:21Caleb Hammer?

  Yes, well, everyone is, but, you know.

• 22:24Speaker 01

  And Brandon is illiterate because he read my shirt wrong. Just kidding.

• 22:29Caleb Hammer?

  Are you literate?

• 22:30Speaker 01

  Yes, I am. No, I have to read things multiple times to understand it.

• 22:35Caleb Hammer?

  Okay.

• 22:38Caleb Hammer?

  Capital one.

• 22:39Speaker 01

  Yes.

• 22:40Caleb Hammer?

  What's going on here?

• 22:42Speaker 01

  Yeah, that I feel like I make the minimum payment. Or sometimes I put a little bit more and then I end up spending it.

• 22:54Caleb Hammer?

  So what's going on here?

• 22:57Speaker 01

  The, I

• 22:59Caleb Hammer?

  What's this card? What's the history of this card? What are you doing with it? What's the plan with it? What is anything about this card other than I make the minimum monthly payment?

• 23:08Speaker 01

  Honestly, don't remember getting that card. I just, it just, it was just there.

• 23:13Caleb Hammer?

  Okay, why the is it maxed out? How about that? Can we do anything?

• 23:17Speaker 01

  A few years ago, it, so it was originally like $300 and then once it like it went up to 1500, I was like,

• 23:24Caleb Hammer?

  The limit, the limit, okay.

• 23:26Speaker 01

  Yeah. And then I spent, I had to use it for like car bills or something, but that was like two, three years ago.

• 23:35Caleb Hammer?

  Okay, well, that certainly doesn't equal maxed out today. So what the, come on, answer my question.

• 23:40Speaker 01

  Yes, well, I, I did, I maxed it out and then I make the payments and then I haven't made the payments. Like I just fluctuate on making the payments.

• 23:47Caleb Hammer?

  You fluctuate on making the payments?

• 23:48Speaker 01

  Well, because I like, you know,

• 23:49Caleb Hammer?

  Why would you be missing payments?

• 23:51Speaker 01

  Because sometimes you gotta pick and choose on what payments you gotta do.

• 23:54Caleb Hammer?

  Why?

• 23:56Speaker 01

  What do you mean, why?

• 23:57Caleb Hammer?

  No, in which way for yourself?

• 23:59Speaker 01

  Like I have to figure out, oh, is this going to, am I going to starve today or do I want to pay my credit card? You know?

• 24:05Caleb Hammer?

  Starve today, $659 going out to eat on a monthly basis. Are we starving today?

• 24:11Speaker 01

  Do I want to pay my rent or? Tell you that.

• 24:16Caleb Hammer?

  Pay what this?

• 24:16Speaker 01

  Yes.

• 24:17Caleb Hammer?

  What about the don't go out to eat?

• 24:19Speaker 01

  I mean, I do meal prep. I just still go out.

• 24:21Caleb Hammer?

  Six hundred fifty nine dollars in your meal prepping.

• 24:25Speaker 01

  Yes, I well.

• 24:26Caleb Hammer?

  I don't think you know what. Okay, what's this meal prepping you got going on? Cause that's a lot of money to go out to eat.

• 24:33Speaker 01

  Yeah, I mean, well, I still go out to eat.

• 24:35Caleb Hammer?

  Okay, that's like going out to eat for in like a month. Uh, if you're doing cheap going out to eat relatively, unless you're getting a few massive like expensive going out to eats. Like, how much you actually meal prepping? And also, no, no, again.

• 24:46Speaker 01

  Food is expensive.

• 24:48Caleb Hammer?

  Uh huh.

• 24:48Speaker 01

  Healthy food is expensive.

• 24:50Caleb Hammer?

  So you're going out to eat healthy?

• 24:52Speaker 01

  Yeah.

• 24:52Caleb Hammer?

  So just make that at home, cause it's not like that's any better, honestly.

• 24:57Caleb Hammer?

  I didn't call out your grocery spending, which by the way is point nine percent. So that had to be an insignificant. What meal prepping? How much groceries started? We have in here like nothing. HB fifteen dollars, Food Mart thirty dollars. Are you talking about meal prepping?

• 25:09Speaker 01

  HB is probably sushi. I don't really go to HB. It's mainly.

• 25:12Caleb Hammer?

  Where do you meal prep?

• 25:13Speaker 01

  I meal prep my stuff that I cook, which is like.

• 25:16Caleb Hammer?

  Where do you get it from, lady?

• 25:18Speaker 01

  Walmart. I just said.

• 25:20Caleb Hammer?

  Did you?

• 25:21Speaker 01

  Yes, I said I like HB is mainly like.

• 25:24Caleb Hammer?

  That's usually in the unknown shopping. Walmart is fifteen hundred dollars. So what the are you talking about? That can't be fucking lettuce.

• 25:34Speaker 01

  No, I mean, well, I mean, it's the chicken. Like I, I do a whole.

• 25:39Caleb Hammer?

  Fifteen hundred dollars. So fifteen hundred dollars for meal prepping, fifteen hundred dollars for meal prepping.

• 25:43Speaker 01

  Is that fifteen hundred dollars for Walmart like entirety? Because I don't just spend.

• 25:47Caleb Hammer?

  Yes.

• 25:48Speaker 01

  Food on Walmart.

• 25:49Caleb Hammer?

  Percentage of that is food then? Cause fifteen hundred is insane.

• 25:52Speaker 01

  Probably like fifty percent.

• 25:53Caleb Hammer?

  Okay, great. Then the other fifty percent, what the is that? Because that's.

• 25:57Speaker 01

  Essentials.

• 25:57Caleb Hammer?

  You do not need that much in terms of essentials.

• 26:00Speaker 01

  I have two cats and a dog and then I have my child.

• 26:03Caleb Hammer?

  Two cats and dog if you can't pay for rent.

• 26:07Speaker 01

  Like I like emotional, I mean, I do have emotional support dog. That's, that's one of them.

• 26:11Caleb Hammer?

  Yeah, but you can't support for them adequately if you can't pay for rent.

• 26:14Speaker 01

  Well.

• 26:15Caleb Hammer?

  It's not fair to them. It's selfish of you.

• 26:19Speaker 01

  I don't, I don't think about, I don't think selfish.

• 26:23Caleb Hammer?

  If you can't pay for rent, you can't adequately take care of them.

• 26:26Speaker 01

  Paying for rent.

• 26:27Caleb Hammer?

  You've had to borrow money for rent. And if you are struggling.

• 26:29Speaker 01

  A few months ago.

• 26:30Caleb Hammer?

  No, the point is if, exactly.

• 26:32Speaker 01

  And one year out of the last year, I had asked like almost every month. So I think.

• 26:36Caleb Hammer?

  Exactly.

• 26:37Speaker 01

  I think I'm making progress.

• 26:38Caleb Hammer?

  Progress, or all I am saying is if you're in that position, that means if something emergency would happen for dogs, then you certainly couldn't pay for your dog or cats emergencies.

• 26:48Speaker 01

  Yeah, I would like to, uh, have like emergency funds and stuff like different categories. I just don't know how to.

• 26:55Caleb Hammer?

  Don't know how to? No, because you spend more than you make. That's not not knowing how to. You don't have any money.

• 27:01Caleb Hammer?

  Cause you don't budget. Cause you've never budgeted a single second in your life. That, that has nothing to do with I don't know how to. You spend fifteen hundred dollars a month on Walmart, meaning seven hundred fifty dollars itself is on meal prep. That's insane. With the additional six hundred fifty nine eating out, that means food itself is like sixteen hundred, sixteen fifty nine, sixteen fifty nine on food. I get meal prep you alone? With a cookbook, which again, you get that with the budgeting app, right?

• 27:30Speaker 01

  Yes.

• 27:31Caleb Hammer?

  Use the cookbook for the meal prepping. Absolutely. People have asked for it forever. We did it, whatever. Major channel announcement. Budgety, budgety, budgety. It's a new year. We're all trying to budget. We're all trying to make it a little better. Trying to improve our life. A lot of people on the show, a lot of people out there that I've heard from, they try to start a budget. They can't stick to the budget. It's because it's all too damn complicated right now. You use any of the budgeting apps out there, it's crazy. It's hard to know what's even going on. It's impossible to set up and it's a chaos to manage. That's why over this last year, I did the thing. I made a budgeting app for you guys. This does not need to be complicated. You're trying to take control of your life. So it should be simple. It should be chill.

• 28:16Caleb Hammer?

  It should be easy to set up and easy to manage. I've called it simpler budget because that's all it is. It's your simpler budget. But we upped the ante with continued education and an ad free version. In the premium version of simpler budget, you can track your spending, set goals and stick to a plan that actually works by connecting to all of your bank accounts automatically. No manual stuff here. There's actually weekly live sessions with financial professionals to answer your questions and keep you on track. They'll be teaching lessons and you can ask them things and they will actually help. There's also weekly mini classes keeping you up to date and educated on every financial topic you need to improve your life.

• 28:57Caleb Hammer?

  Plus for a limited time right now, you get access to our new budget friendly cookbook with 55 money saving recipes to eat well without overspending. And because I love you guys and it's a new year, literally anyone who signs up for the month of January gets all of this, including premium for free for a month. It's time to actually make a budget and stick to it for the first time ever. Let's take control of our 2025 and make this the best year ever. Download the simpler budget app today, a link in the description below. This budgeting app will change your life. Cool, cool, cool. You could do that for $300 and then we could probably include the little kid 200 bucks as well. You know, you're meal prepping both of you guys' meals together, but you're saying you're

• 29:41Caleb Hammer?

  what the fuck are you talking about? If $750 a month is spent on Walmart and then you're $659, like that doesn't make any sense. And the main point, no, no, no, the main point, the reason we have gotten here is because you said, sometimes I don't pay this because I have to choose between rent and that.

• 29:56Speaker 01

  Yeah.

• 29:56Caleb Hammer?

  That's not true. You spent $659 going out to eat, so don't bullshit me. It's not true that you have to choose between those. You choose going out to eat instead of paying rent. You choose going out to eat instead of a minimum monthly payment on the Capital One. So don't bullshit me. You chose $750 on grocery stuff you probably didn't even eat and $750 on essentials instead of this. And I bet if I looked at those Walmart receipts, there would be a lot of things that were not essentials guaranteed.

• 30:27Speaker 01

  Well, also my roommate and I like we, we do the meal prepping, like so two days I cook, two days she cooks. So I don't know if that's

• 30:35Caleb Hammer?

  Well, how does that calculate into the price here? How does that calculate into the price here?

• 30:39Speaker 01

  Oh, cuz, uh, well, I'm trying to figure out if me meal prepping for myself and her is gonna cost more cuz I mean two day like so if I'm meal prepping and it's

• 30:47Caleb Hammer?

  But, but, but, but, but if she meal preps for you, she would be offsetting the cost of you meal prepping for her.

• 30:51Speaker 01

  Yeah, right?

• 30:52Caleb Hammer?

  So.

• 30:52Speaker 01

  It's even now, right?

• 30:53Caleb Hammer?

  Yes, meaning this number is fucking insane. Meaning that did not just justify this number.

• 30:59Speaker 01

  It's not just meal prepping that we do, it's, it's also rent and, uh, car insurance that we split or and also water and, uh, electricity. So.

• 31:09Caleb Hammer?

  What?

• 31:09Speaker 01

  So I pay the car insurance, she pays finance, or sorry, the rent.

• 31:14Caleb Hammer?

  Why don't you pay for your roommate's car insurance?

• 31:16Speaker 01

  Well, she's on my car insurance and then I pay for it and then I subtract it from rent.

• 31:22Caleb Hammer?

  Why is she on your car insurance as a roommate? This is a roommate, not a spouse, unless you guys spousing?

• 31:27Speaker 01

  Technically, I guess on our lease because they put us as spouse.

• 31:31Caleb Hammer?

  But are you guys actually?

• 31:32Speaker 01

  No, we're not, we're not.

• 31:32Caleb Hammer?

  You're literally just roommates.

• 31:34Speaker 01

  Really close.

• 31:35Caleb Hammer?

  Would you have your?

• 31:35Speaker 01

  Friends and roommates. Or single moms helping each other out.

• 31:39Caleb Hammer?

  Oh, she's a mom too?

• 31:41Speaker 01

  Yes.

• 31:41Caleb Hammer?

  That house must be interesting.

• 31:43Speaker 01

  Yeah, um, yeah, well, her daughter's ten, my, mine's six and they're, actually they're both names is, so.

• 31:50Caleb Hammer?

  That's, that's, uh, okay. Oh, you have a way of getting me completely lost because you are completely lost.

• 31:58Speaker 01

  What?

• 31:58Caleb Hammer?

  So you just, you just drag me down with you.

• 32:00Speaker 01

  Okay, so car insurance.

• 32:01Caleb Hammer?

  Yeah, why would you have the car insurance, your roommate's car insurance?

• 32:04Speaker 01

  Cause I was trying to help her out.

• 32:06Caleb Hammer?

  Why, but you need to help yourself out, you're spending more than you make, you don't have any savings to save your life, you're gonna fucking, you could be under a bridge with your daughter on this trajectory.

• 32:14Speaker 01

  Well, that's not gonna happen.

• 32:15Caleb Hammer?

  It could happen.

• 32:16Speaker 01

  It won't.

• 32:16Caleb Hammer?

  Why?

• 32:17Speaker 01

  Because I have friends that would let me.

• 32:19Caleb Hammer?

  Sure, hundreds of thousands go homeless every single year, so.

• 32:23Speaker 01

  I also have my siblings here.

• 32:25Caleb Hammer?

  Yep, and many of them have them too. You never know what's gonna happen, one, they might think you're, they're enabling you, so they're no longer gonna allow that, two, you never know, accidents can happen. Three, big fights.

• 32:36Speaker 01

  I don't think I'll just, I, I've never been in that situation, I guess, I mean, I've thought about like, oh, what would I do if I was homeless, but like.

• 32:41Caleb Hammer?

  You know, not having been in a situation doesn't mean you're not gonna be in the situation, just cuz I've never had cancer doesn't mean I'm not ever going to.

• 32:48Speaker 01

  Oh, yeah, but.

• 32:49Caleb Hammer?

  So what the fuck are you talking about?

• 32:50Speaker 01

  I apply myself to finding new ways.

• 32:52Caleb Hammer?

  And I sure hope you do, what happens to all the other people that go homeless? You're just saying they didn't apply themselves?

• 33:00Speaker 01

  Some, I mean, why do they?

• 33:01Caleb Hammer?

  Sure, but every single person?

• 33:03Speaker 01

  Not every single person.

• 33:04Caleb Hammer?

  There's, there's mental illness, some didn't apply themselves, but there has, there are some. Where there's almost no other option in that situation.

• 33:12Speaker 01

  Yeah, but then they get themselves out. Most of them, a lot of them.

• 33:15Caleb Hammer?

  Really? That's a statistical truth?

• 33:17Speaker 01

  Yes. I actually dated someone that was, used to be homeless.

• 33:20Caleb Hammer?

  Or so anecdotal truth.

• 33:23Speaker 01

  What?

• 33:23Caleb Hammer?

  You have statistics around this, that majority of those people get out of homelessness?

• 33:28Speaker 01

  Yes.

• 33:30Caleb Hammer?

  What's the statistics around that?

• 33:32Speaker 01

  I don't know the statistics, but I-

• 33:34Caleb Hammer?

  You're telling me the majority-

• 33:36Speaker 01

  I didn't say majority, I was just saying that I know someone.

• 33:39Caleb Hammer?

  No, you said the majority and then you brought up the person you know. That's literally what you said.

• 33:44Speaker 01

  Well, I didn't mean to say majority, cuz-

• 33:46Caleb Hammer?

  Okay, cuz that's a big difference. So again, well, what happened? You already know someone that went through that situation, what's to say you couldn't? Your daughter's life is too important, so why put yourself in a risky position? Where you're taking care of someone else before you're taking care of you and your own? Cuz you can take care of other people, but that's once you're in a position where you can't take care of other people. You don't take care of other people until you can take care of your own.

• 34:03Speaker 01

  I, I'm learning that, I'm just a people pleaser.

• 34:07Caleb Hammer?

  Why, what was she asking you? Was she begging?

• 34:09Speaker 01

  No, she wasn't.

• 34:10Caleb Hammer?

  Then what pleasing are you trying to do?

• 34:11Speaker 01

  So, not last year, but-

• 34:13Caleb Hammer?

  She didn't ask?

• 34:15Speaker 01

  What? She didn't ask? What do you mean she didn't ask?

• 34:17Caleb Hammer?

  You said she didn't ask.

• 34:19Speaker 01

  Ask for being put on the car insurance?

• 34:21Caleb Hammer?

  Yeah.

• 34:21Speaker 01

  No, I, I-

• 34:23Caleb Hammer?

  Are you participating in this conversation? How much of your brain is participating in this conversation?

• 34:28Speaker 01

  I'm just baffled.

• 34:30Caleb Hammer?

  At what?

• 34:31Speaker 01

  I don't know, I'm just-

• 34:32Caleb Hammer?

  I don't know either. I'm trying to figure that out for you.

• 34:35Speaker 01

  Um, well, what we were talking about, we were talking about my, my roommate and I.

• 34:41Caleb Hammer?

  And how you're putting them over you and your daughter, yes?

• 34:44Speaker 01

  Not really, but-

• 34:46Caleb Hammer?

  Mathematically, financially, obligation wise, yes, because you could not pay that. You could also become short on that, or she's also in a short, something happens to her income and you're still liable for it, so, yes.

• 34:57Speaker 01

  Yes, and I I mean, I don't like that. I mean, I don't know how

• 35:01Caleb Hammer?

  Yeah, you do.

• 35:02Speaker 01

  I don't know how to have the conversation with like, like, because we've we've had our, I guess, finances combined since we were

• 35:08Caleb Hammer?

  We can call her. We can call her in the post show.

• 35:11Speaker 01

  Oh, okay. I mean, I suggested her coming on the show because then

• 35:15Caleb Hammer?

  Well, we don't have people that aren't couples, so that wouldn't have made sense.

• 35:18Speaker 01

  What?

• 35:19Caleb Hammer?

  Oh, you mean separately?

• 35:20Speaker 01

  Yes.

• 35:20Caleb Hammer?

  Okay, well, we'd be happy to look at our application, but maybe we should call her in the post show. We'll keep her anonymous. But I can help navigate that hard conversation.

• 35:28Speaker 01

  Yeah.

• 35:28Caleb Hammer?

  Because it is, it's crazy. And then what bill does she take care of again?

• 35:32Speaker 01

  Uh, so she pays rent and electricity.

• 35:34Caleb Hammer?

  So one thousand four hundred thirty nine dollars and fifty five cents on this on a fifteen hundred dollar limit. So our credit card's completely maxed out. Interest is accruing. Everything's worth a thousand one hundred dollars more than we're making. On a high earning month, yet we are taking care of someone else's bill. And if they don't take care of it, we're so liable for it. And then all of a sudden, oh, whoopsie, I have a daughter that didn't consent to come into this world. That is my responsibility. So wonderful.

• 35:56Speaker 01

  Do you want me to finish explaining the half bills that we do? Okay, so car insurance, rent. Uh, it's seven hundred dollars for rent, but I subtract that two hundred and eighty eight dollars from my car insurance because I pay that.

• 36:12Caleb Hammer?

  Uh, from from your from your rent?

• 36:14Speaker 01

  Yes, so she pays the rent.

• 36:16Caleb Hammer?

  That doesn't make sense.

• 36:17Speaker 01

  What do you mean?

• 36:17Caleb Hammer?

  Oh, she pays the rent.

• 36:18Speaker 01

  Yeah, she pays the rent. And then since I'm paying the the car insurance, I subtract the car insurance from my rent.

• 36:24Caleb Hammer?

  This is so weird. Why are you guys doing this?

• 36:26Speaker 01

  And then we do that.

• 36:27Caleb Hammer?

  Why are you over complicating this? Why are you over complicating this? And you put yourself in such a

• 36:32Speaker 01

  Well, I mean, if

• 36:34Caleb Hammer?

  Your roommates, but what if something

• 36:35Speaker 01

  Both supposed to be on the insurance or not insurance, supposed both supposed to be on the water and electricity. She's on electricity. I'm on on the water.

• 36:45Caleb Hammer?

  Not necessarily. You don't have to both be on the

• 36:49Speaker 01

  I know, that's what I'm saying. Like, that's why she's on electricity. I'm on water and then whatever water bill. So that's like thirty five dollars if you've split it.

• 36:58Speaker 01

  Um, and then

• 36:59Caleb Hammer?

  I'm just curious why you guys are over complicating this. Why not just take care of your damn bills and Venmo each other if you're splitting bills down the middle? Why are you subtracting my bill that I took from this from her bill that she did with that and this and this? What happens if she gets hurt and injured can't take care of her bills? Again, you are just putting so much risk in this situation that doesn't make sense for someone that has a child singly.

• 37:21Speaker 01

  Well, she also has a child too.

• 37:22Caleb Hammer?

  Yes, that doesn't mean she can't get hurt or something bad happened to her. You don't know what happens and economic downturn layoffs, you don't know.

• 37:30Speaker 01

  Well, we just help each other out.

• 37:31Caleb Hammer?

  Until you can't. You don't seem to understand that sometimes things don't always work out for the best. That's not how the world works.

• 37:40Speaker 01

  I mean, we're both not, we don't really have family here. So that's why we were basically

• 37:44Caleb Hammer?

  You can help each other out, but I'm good. I'm more so with the Venmoing instead of having your name on her insurance and all of this weird stuff. You're over complicating it Venmo each other back and forth for things that you guys are splitting. Take care of your own insurances.

• 37:59Speaker 01

  Yeah, it's, it's just less Venmoing.

• 38:01Caleb Hammer?

  Yeah, but more risk because your name's on it. You're liable.

• 38:08Caleb Hammer?

  How you can't possibly can be confused about that.

• 38:11Speaker 01

  No, I'm not. I'm just, I guess I just

• 38:13Caleb Hammer?

  What is happening?

• 38:14Speaker 01

  I trust her.

• 38:14Caleb Hammer?

  No, I honestly, I probably trust her too. Sure. You do not know how the economy is going to go. You do not know what life events are going to happen. You don't know if she's going to get hit when she goes outside next time by a car. Things happen all the time. Is there a less than likelihood chance? Absolutely. But you are allowing that to dictate you. Do you have a, what, what's in your savings?

• 38:35Speaker 01

  Nothing.

• 38:36Caleb Hammer?

  What's in her savings?

• 38:37Speaker 01

  Nothing.

• 38:37Caleb Hammer?

  Okay. So there's, this is, this is, and you guys work the same job. So if an economic downturn does happen, maybe you both laid off at the same time. You don't know. You don't know. I think the things that if an economic downturn does happen and we haven't had a recession in, you know, like two decades, like a true recession now technically, I guess we actually did, but in terms of something like the great recession or the dot com bubble pass a lot, dot com, oh my gosh. Uh, that stuff, you know, it's like a once every 20 year type thing. We're kind of on track for looking for a major recession. Kind of if it continues that cycle. Typically, what happens when people, you know, when people have a little less money,

• 39:19Caleb Hammer?

  they order less of the bull and less Amazon packages, meaning less delivery drivers. You both work that job. I'm not saying that's gonna happen. I'm not saying I want that to happen. I'm just saying you're just allowing for no risk of something happening. You have zero dollars in an emergency fund and you guys can't take care of each other that way.

• 39:34Speaker 01

  I mean, I would love to and

• 39:36Caleb Hammer?

  No, you wouldn't.

• 39:36Speaker 01

  That's why I'm here.

• 39:38Caleb Hammer?

  No, you, that's why I'm here. What if you guys are copying and pasting each other every episode? Well, that's why I'm here. Come on. Six hundred fifty nine dollars going out to eat. No, you're not trying. That's not what you want. If that's what you wanted, that would be going to savings or paying off debt. It's not what you want. You want to go out to eat six hundred fifty nine dollars. You want to spend seven hundred fifty dollars on groceries. You want to spend seven hundred fifty

• 39:59Speaker 01

  Six hundred dollars on, on fast food?

• 40:03Caleb Hammer?

  Going out to eat?

• 40:06Caleb Hammer?

  Six fifty nine.

• 40:07Speaker 01

  And, and then how much on food? Or like on

• 40:11Caleb Hammer?

  You said half of Walmart was groceries, so seven fifty

• 40:14Speaker 01

  Oh, wow. It's a eye opener.

• 40:19Caleb Hammer?

  By the way, that's actually her personality. I know someone's gonna ask in the comment like, oh, she's being like weird.

• 40:27Caleb Hammer?

  We've had many conversations in preparation for this episode. Some people are just unique individuals. Cause someone's gonna ask like, why don't you have someone who's like wants, who's being serious on the show? I know you actually do care about this from everything we've done. You're just a silly, you're, you're, yeah, you're interesting. You're interesting. Business owners, you're making money, but do you actually know where it's going? If you're consistently scrambling to cover payroll, taxes and expenses, send a clean up for cash flow with today's sponsor, Relay. Relay is a business banking account and money management platform that puts you in total control of your business finances. The best part, there are no monthly fees or minimum balances, just a simple way to stay on top of your money without the chaos.

• 41:09Caleb Hammer?

  And here's how it works. With Relay, you can open up to twenty checking accounts for free. That means you can separate your money for payroll, taxes, operating expenses, and most importantly, your paycheck. No more guessing what's left to pay yourself at the end of the month. With Relay, you'll know exactly Exactly where your cash is going, but it doesn't stop there. Relay automates your cash flow. You can set rules to automatically move your money between accounts. So you're never caught off guard when taxes and debts or when payroll comes due. Here's the kicker. Relay's new savings rates are up to 3.76% APY. That's more than most banks are offering right now. And there's no need to jump through hoops to earn it. With competitive interest rates like this, Relay makes sure your money isn't just sitting there. It's working for you.

• 41:51Caleb Hammer?

  And unlike most banks, you're not stuck moving funds around to earn interest. It's all built into your account. And the best part, you can set up automated transfers to move excess cash from your main accounts straight into savings. Whether it's once a week or once a month, Relay keeps your savings growing without you having to think about it. Everything is online and easy to manage from your phone. No monthly fees, no minimum balances, just full control of your cash flow. So take charge of your business's finances today. Go to relayfi.com slash Caleb Hammer to sign up and get a hundred dollar bonus when you open and fund your account. Seriously, stop guessing where your money is going. Get organized with Relay and your future self will thank you. So fifty two dollars on a monthly basis is your minimum monthly.

• 42:34Caleb Hammer?

  Why'd you purchase three hundred twelve dollars on a credit card that is growing thirty seven dollars eighty cents on a monthly basis, interest that you cannot pay off? Why the possible would you spend money on this?

• 42:43Speaker 01

  Well, that was like, I think that was my first and only credit card. So.

• 42:47Caleb Hammer?

  So that means you should spend money on it when it's getting pushed to max out. You can't pay it off and it has accruing interest? Kind of answers that.

• 42:54Speaker 01

  It's only one credit, like I only have one credit card. I feel like that's pretty good compared to a lot of other people.

• 42:59Caleb Hammer?

  You do not seem to understand the question I'm asking. I'm asking why the are you purchasing on it?

• 43:05Speaker 01

  I.

• 43:08Speaker 01

  Behavioral, I, I.

• 43:10Caleb Hammer?

  Behavior.

• 43:11Speaker 01

  Not like, be like.

• 43:12Caleb Hammer?

  Probably, but why do you think?

• 43:14Speaker 01

  Talk to myself, but then I end up doing it.

• 43:15Caleb Hammer?

  But why does that have to be on this versus your debit card?

• 43:20Speaker 01

  Because my debit card probably doesn't have money at that time.

• 43:23Caleb Hammer?

  So you're, you can afford it then if you have to put it on debt. This is why, this is exactly why we have the Fizz Card for people like you. This is why they use that. It's in the resources, just like everything else. Debit card that builds credit, because I know you care about the credit part. That's why you're using this. That's what everyone says.

• 43:44Speaker 01

  My credit.

• 43:44Caleb Hammer?

  You want to build a credit? Good luck with a max out credit card. You want the rewards? Good luck, like with all the interest accruing. So at least this, it won't allow you to spend money if you don't have it in your checking account. It's a debit card and you cannot have access to credit. Look, the way you just defined this is I did not have money in my checking account, so I use a credit card. If that is the case, you cannot have a credit card because you are misusing it.

• 44:06Speaker 01

  That's why I only have one.

• 44:08Caleb Hammer?

  Think, but you max out the one.

• 44:12Speaker 01

  But I'll.

• 44:13Caleb Hammer?

  The one.

• 44:14Speaker 01

  I mean, I also use Possible sometimes or Dave.

• 44:19Caleb Hammer?

  Okay, I've never heard of Possible, but I know what Dave is. You have the little pay advance.

• 44:23Speaker 01

  Yeah.

• 44:24Caleb Hammer?

  For, come on dude, you have a kid. What are we doing?

• 44:28Speaker 01

  To be able to pay bills.

• 44:30Caleb Hammer?

  Huh?

• 44:30Speaker 01

  To be able to.

• 44:31Caleb Hammer?

  No, no. You spent $6.59 and eating out. Fuck you to pay bills. That's not true. We know where your actions went. You could pay bills.

• 44:39Speaker 01

  But I am paying bills.

• 44:42Caleb Hammer?

  You just said you had to pay advance to pay the bills and you're maxing out a credit card because.

• 44:45Speaker 01

  Oh yeah, but my bills are paid.

• 44:49Caleb Hammer?

  Only because you're pay advancing, only because you're putting money on a credit card because you don't have any money in the checking account.

• 44:56Caleb Hammer?

  They're not paid with your money. They're paid with someone else's money.

• 44:59Speaker 01

  Whose money if it's.

• 45:00Caleb Hammer?

  Are you kidding me? You're borrowing from Dave. Are you kidding me?

• 45:03Speaker 01

  Well, yeah.

• 45:04Caleb Hammer?

  You are putting money on a credit card because you don't have any money in your checking account. How is this not making sense to you?

• 45:08Speaker 01

  On the credit card, I pay, I pay the 56 minimum and then I, you know, so it's, it's.

• 45:13Caleb Hammer?

  And then you spent 316. Or whatever it was. 312. Because you didn't have money in checking account. I mean, how are you not, dude, okay. Oh, and how can I break this down? How can I break this down for you? I need, I need you to get this. If you don't get this, there's no conversation to be had. So I need you to understand this before we move on. I've never had to break down something so simple that I can't figure out how to do it. Um.

• 45:42Caleb Hammer?

  Uh, you, can you explain to me what I'm saying?

• 45:46Speaker 01

  You were saying, okay, so you're saying that I'm not paying my bills because the credit, the credit I have is like, it's debt and debt is not paying my bills. I mean, it's not the best explanation, but.

• 46:00Caleb Hammer?

  Try it again.

• 46:02Speaker 01

  Uh, me paying on bills with my credit card is not paying bills because it's debt.

• 46:11Speaker 01

  And debt.

• 46:12Caleb Hammer?

  What about Dave?

• 46:14Speaker 01

  And Dave, not just Dave.

• 46:18Caleb Hammer?

  You're in the right direction.

• 46:19Speaker 01

  Okay.

• 46:19Caleb Hammer?

  In the right direction. I'm more saying you're only able to pay your bills because of the money that you're gonna spend on your debit card. You're putting it on a credit card because you don't have enough money in your checking account. And then in order to pay your bills, you have to take it from Dave.

• 46:31Speaker 01

  Yeah, and then.

• 46:32Caleb Hammer?

  Makes sense. So you're not paying your bills, not with your own money. You're borrowing money. You're paying your bills with other people's money.

• 46:36Speaker 01

  I mean, whenever I worked at McDonald's, it was probably worse because I did the pay like every.

• 46:41Caleb Hammer?

  That doesn't mean we should still be bad because it was worse previously. What is up with that shirt? What like, what is it?

• 46:48Speaker 01

  Well, I just don't have really good.

• 46:50Caleb Hammer?

  Cause your ex?

• 46:51Speaker 01

  Yeah, I hurt me.

• 46:53Caleb Hammer?

  What it goes crossing out men?

• 46:55Speaker 01

  Boys, because I just, I just have not had the good, best experience with my relationships.

• 47:02Caleb Hammer?

  Date better people. Most men cheat.

• 47:04Speaker 01

  Yeah.

• 47:05Caleb Hammer?

  Is this gonna be one of your interesting things where you don't have a statistic? Okay, there you go.

• 47:09Speaker 01

  Yeah. Not all men, not all blah, blah, blah.

• 47:13Caleb Hammer?

  Because you had a one life experience, just like.

• 47:15Speaker 01

  Multiple. I had four boyfriends.

• 47:17Caleb Hammer?

  Four cheated?

• 47:18Speaker 01

  Yes, all of them cheated.

• 47:19Caleb Hammer?

  Oh, my good fuck. I'm sorry. That sucks. That sucks. That's horrible. I mean, them.

• 47:23Speaker 01

  Yeah.

• 47:23Caleb Hammer?

  They're, I mean, that's not on you. Like, they're, don't get me wrong. I don't want that to turn you off from the existence of operating in society again.

• 47:31Speaker 01

  Yeah, no, it did take a toll for, for a minute from being cheated on.

• 47:36Caleb Hammer?

  Yeah, I could imagine. I could, dude, if I was cheating on, I couldn't.

• 47:40Speaker 01

  Yeah, I don't understand why people cheat. I'm like, just break up with someone.

• 47:42Caleb Hammer?

  It doesn't, it doesn't correlate with me either. I really don't get it. Okay, so this credit card, let's see where we're.

• 47:47Speaker 01

  Unhealthy loyal.

• 47:49Caleb Hammer?

  Well, it is showing that you're dating bad people. I just don't know the people you've dated and I also.

• 47:53Speaker 01

  I call them muncher or like leeches because.

• 47:56Caleb Hammer?

  Yeah, but I just want to, maybe we're finding different personalities next time.

• 48:00Speaker 01

  Yeah, it seems like I have a whole kind of. Personality that attracts.

• 48:05Caleb Hammer?

  And maybe we're not choosing.

• 48:06Speaker 01

  I like nerds.

• 48:08Caleb Hammer?

  Are they all nerdy?

• 48:09Speaker 01

  No, they're more, they're more extroverted. I'm more introverted.

• 48:14Caleb Hammer?

  How long does this take to pay off just doing the minimum monthly payment without, without you spending any money on it, which is impossible for you. But let's just say you did it and you paid the minimum payment. Good job. How long does it take to pay off?

• 48:39Speaker 01

  That's a good question.

• 48:40Caleb Hammer?

  Come on, you know, I'm looking for an answer.

• 48:42Speaker 01

  Yes, I know.

• 48:43Caleb Hammer?

  That you think you're guessing.

• 48:44Speaker 01

  Yes, I am guessing. I'm going to say.

• 48:48Speaker 01

  A year, two years.

• 48:49Caleb Hammer?

  Two years. Okay. 11 fucking years. Yeah, go ahead. Be in your 40s. Instead of changing any behavior. Blinds International, Door Dashing, Raising Canes, Chili's, Door Dashing Chipotle, Amazon. Huh? Ah, what?

• 49:06Speaker 01

  That sounds familiar.

• 49:08Caleb Hammer?

  This sounds like you're fucking up your entire life. You're fucking up your entire life. Even if it's spoiled daughter, which I love the hearts. I love the heart of that. And I want you to do that as much as you want. You can not doing it if it's putting her in a more dangerous position. And if you do not have an emergency fund, you are putting her in a dangerous position. I grew up in dangerous positions, dangerous positions of foreclosure notices. Do you want your kid to have to go through that eviction notices?

• 49:35Speaker 01

  But she's not going to.

• 49:36Caleb Hammer?

  That's not how this works. I don't know how to get that through to you. I had another guest on the show that had that same mindset. That's not how this works. That's not how the world works.

• 49:44Speaker 01

  Well, how would I put my, like.

• 49:46Caleb Hammer?

  Because you don't have an emergency fund. If you get laid off, it might happen. How is this difficult for you? Come on, dude, you think the, to the potential low millions that that happens to in the United States on a yearly basis that get a notice, you think that.

• 50:04Caleb Hammer?

  It just like, it wasn't going to happen to them? Like, I'm so confused. Or like, it wasn't, I don't even know. I'd, I'd try to.

• 50:11Speaker 01

  I, I guess I just can't imagine myself in that position.

• 50:14Caleb Hammer?

  You're literally using a. Girl, you're using a pay advance service.

• 50:20Caleb Hammer?

  You don't think you're on the edge of that position? You're more on the edge of that position than anyone. You're using a pay advance service. You.

• 50:32Speaker 01

  I just.

• 50:32Caleb Hammer?

  I'm, I need this.

• 50:33Speaker 01

  I don't.

• 50:33Caleb Hammer?

  I need to get through to you here, dude. I don't know how.

• 50:38Speaker 01

  Well, I thought we were on the same page. I said I agreed on the, on the.

• 50:41Caleb Hammer?

  Yeah, but you somehow don't think an eviction notice is possible.

• 50:44Speaker 01

  Oh, I think it's possible. I'm just saying, I don't.

• 50:46Caleb Hammer?

  You said it won't happen to me.

• 50:48Speaker 01

  Yeah.

• 50:49Caleb Hammer?

  Oh, my gosh, you're.

• 50:52Speaker 01

  I don't.

• 50:52Caleb Hammer?

  Hell, what? What are we laughing about?

• 50:54Speaker 01

  I don't understand why you don't understand.

• 50:57Caleb Hammer?

  Can you explain why it won't happen to you?

• 50:58Speaker 01

  Cause, well, I mean, yeah, I could get an eviction, but I'm saying like homelessness, I, I can't imagine. Myself.

• 51:05Caleb Hammer?

  Can't imagine it because you can't imagine it's not possible? If you don't see something that's not true, if you don't see the curvature of the.

• 51:10Speaker 01

  I do have a backup plan though, if I'm homeless. Like I, I know what I would do.

• 51:13Caleb Hammer?

  What's your backup plan?

• 51:14Speaker 01

  I would, every day I would walk around, look for change.

• 51:18Caleb Hammer?

  This is an actual thing.

• 51:20Speaker 01

  I, I, I think of, you know, all the scenarios.

• 51:23Caleb Hammer?

  Yeah. So think of the scenario where homelessness is a possibility. So maybe we have an emergency fund. In order to do that, we cut back on the things like donuts. You have a kid that is living in a risky scenario because of your selfish actions. It is not cute. It's not funny. It's not an attractive quality trait. It's disgusting, honestly. So shut up. Don't smile at that. It's disgusting.

• 51:47Caleb Hammer?

  You know, it's really interesting. It's really interesting. Just you, you're, the way you act to this, the way you act at any kind of pushback or any kind of question. You have to act with some kind of like filler, some kind of like immature little sound, some like, like you're, I, I feel like. Maybe because you had a kid so young or something, you have not been able to mature beyond that moment in time. You have not gone out and experienced or something. I don't know. Feel like you are a, a permanent 13 year old or something like, I don't know what's happening. And I'm not even, I'm not trying to say that as an insult. It's really not. It's just an observation and something I want you to think about. Something I want you to think about. Do you go to therapy?

• 52:22Speaker 01

  Yes.

• 52:23Caleb Hammer?

  How much?

• 52:24Speaker 01

  Uh, well, it was like once a week. But I was going to the free one, but I just got insurance, so hopefully I can get.

• 52:31Caleb Hammer?

  Well, you're a guest on the show, so I can give you three free therapy sessions with the people I use as Sondermind.

• 52:35Speaker 01

  Lovely.

• 52:36Caleb Hammer?

  But I need you to go to therapy and work on this, the, the, just the way you're acting, the way you view the world. Since I can't have you treating this like a child, or else your literal child is gonna go through a shitty life.

• 52:47Speaker 01

  Yeah, my dad-

• 52:47Caleb Hammer?

  And that is not fair.

• 52:49Speaker 01

  My dad always said that I was like two years behind behavioral wise.

• 52:52Caleb Hammer?

  Yeah, well, you're not acting like a twenty-two-year-old.

• 52:56Speaker 01

  Twenty-four-year-old? Oh, sorry.

• 52:57Caleb Hammer?

  You're not a-

• 52:58Speaker 01

  Yeah, you're right.

• 52:59Caleb Hammer?

  Yeah, what do you think is-

• 53:00Speaker 01

  Yes.

• 53:01Caleb Hammer?

  The math?

• 53:04Caleb Hammer?

  Gosh, just, I feel like I'm being mean, but I just like, I, I, I, maybe this isn't the right conversation to get through to you. It is for a lot of people. The meeting and guest pays off ten thousand in ten months. I hope you're a part of that, but you don't seem like the person that this is resonating with. I'm, I don't know. Okay, what is W? What am I seeing here? What's W?

• 53:24Speaker 01

  Oh, that is my car interest, or car loan. Wes.

• 53:29Caleb Hammer?

  What car do you have?

• 53:31Speaker 01

  I have a Ford EcoSport.

• 53:34Caleb Hammer?

  Uh, was it new when you got it?

• 53:35Speaker 01

  It was forty thousand.

• 53:37Caleb Hammer?

  Okay, so you gotta use car. Um, I'm glad it's at least not late.

• 53:42Speaker 01

  Yeah.

• 53:42Caleb Hammer?

  Oh, my gosh, four hundred six hours a month? That is a large sum of money for you. That is a huge sum of money for you.

• 53:48Speaker 01

  Yeah, I wanna-

• 53:48Caleb Hammer?

  That's a huge sum of money regardless, but for your income situation, that's a huge sum of money. Fourteen thousand, six hundred forty-two dollars left. What is the interest rate on this?

• 53:56Speaker 01

  I think seventeen?

• 53:57Caleb Hammer?

  Oh, no! That's horrendous. Do you even know that's horrendous?

• 54:02Speaker 01

  I mean, I thought it was twelve percent, but whenever I looked at it-

• 54:06Caleb Hammer?

  Was it sixty, or is it seventeen or twelve? What do you mean, what do you?

• 54:08Speaker 01

  It, it's seventeen point nine. I just, for some reason, I thought it was twelve.

• 54:12Caleb Hammer?

  Found out, well-

• 54:13Speaker 01

  Yeah, I just found out.

• 54:15Caleb Hammer?

  Oh, eighteen percent interest rate on a car.

• 54:18Speaker 01

  Yeah, wouldn't that be like a hundred and forty?

• 54:20Caleb Hammer?

  Yeah, what do you think it's worth? What do you think the car's worth?

• 54:23Speaker 01

  Eight thousand?

• 54:24Caleb Hammer?

  You nailed it. It's worth eight thousand.

• 54:27Speaker 01

  Nice. Well, not nice, but my, my guess, nice.

• 54:31Caleb Hammer?

  Yes, the thirteen-year-old, yes.

• 54:33Speaker 01

  It's because of me driving. Well, you're not gonna like this.

• 54:37Caleb Hammer?

  It's because of you driving.

• 54:39Speaker 01

  No.

• 54:41Speaker 01

  The whole time of me working at Amazon, my roommate was also needing to get her car fixed. So she was also using my car.

• 54:47Caleb Hammer?

  Okay, roommate inbreeding financially incest.

• 54:53Speaker 01

  Yeah, well, okay, so she she was basically using my car for a whole year. But with therapy, I had that tough conversation and she finally got her car fixed. So now she has her own car.

• 55:02Caleb Hammer?

  Good. So we are able to have the tough conversations.

• 55:05Speaker 01

  Yes, it's just very uncomfortable.

• 55:06Caleb Hammer?

  That's what's a tough conversation.

• 55:09Speaker 01

  And whenever it's uncomfortable, I start being extra goofy.

• 55:13Caleb Hammer?

  Yes, and hence.

• 55:14Speaker 01

  You're experiencing that.

• 55:15Caleb Hammer?

  Hence, this character trait that I don't like. Okay. Who I'm sorry, it's it's I shouldn't be mean about that. Maybe it's maybe I think I think I don't like it. You're like the you're like the popcorn girl that thinks she's funny for going. She's like.

• 55:31Speaker 01

  The hell?

• 55:34Speaker 01

  I don't even know what you're talking about.

• 55:35Caleb Hammer?

  I don't know. That personality trait's never vibed with me. So I apologize if I'm being mean.

• 55:40Speaker 01

  Oh, no, you're good. Like, I understand people aren't gonna like me.

• 55:47Caleb Hammer?

  Okay. Yeah. Woo hoo.

• 55:50Speaker 01

  I mean, it's not a great feeling, but.

• 55:51Caleb Hammer?

  It's okay. A lot of people don't like me either. It happens. Like, some people don't like my personality. Yeah, it's fine. It's fine. It is what it is. It is what it is. It is what it is.

• 56:01Speaker 01

  I mean, we I feel like we have like same sarcasm, but like.

• 56:05Caleb Hammer?

  You and me?

• 56:06Speaker 01

  Yeah. Like, but yours is more like on a mean side and one of mine's more on like a.

• 56:11Caleb Hammer?

  Oh, trust me, I can get real goony. It's usually in the post show and our different behind the membership stuff. That's that's where we have like extra fun, but I don't.

• 56:20Speaker 01

  Do I have access to that or no?

• 56:23Caleb Hammer?

  No, unfortunately, we're actually not able to give direct access. It's like not an option we have for the YouTube memberships.

• 56:29Speaker 01

  Oh, okay.

• 56:30Caleb Hammer?

  I'm sorry. I I would. I legitimately would.

• 56:34Caleb Hammer?

  Okay, so

• 56:36Speaker 01

  Yeah, seventeen point nine percent on the interest rate.

• 56:38Caleb Hammer?

  Yeah, that's insane. Fourteen thousand, six hundred forty-two dollars and thirty-four cents.

• 56:40Speaker 01

  I think

• 56:41Caleb Hammer?

  It's worth eight thousand dollars. Minimum payment, four oh six. That's crazy.

• 56:44Speaker 01

  Yeah, how much is that going towards interest? Is that like?

• 56:47Caleb Hammer?

  Uh, at this point, how, when did you get the car?

• 56:50Speaker 01

  Uh, two years ago.

• 56:52Caleb Hammer?

  I don't have the statement where it breaks down how much is going to. So, and what's the term of the loan? Oh, okay. So you got it two years ago?

• 56:59Speaker 01

  Yeah.

• 57:00Caleb Hammer?

  It's about a six-year loan. Yeah, it's not, you're not over that hump of interest. More will start going to principal and, you know, like a year and a half-ish.

• 57:06Speaker 01

  Mm-hmm. So how much do I have to like, put down a month to actually?

• 57:11Caleb Hammer?

  I don't have, it does, I don't have the statement breaking it down.

• 57:13Speaker 01

  Well, can't you do the, like, the math of seventeen point nine percent?

• 57:16Caleb Hammer?

  Well, we're gonna go through the debt payoff strategy regardless. I don't want you to put necessarily anything actually towards this right now, anyway. Like, you know, maybe the credit card will come first. Maybe this will come first.

• 57:24Speaker 01

  Well, I mean, I did file my taxes and I was, I wasn't sure if this was

• 57:28Caleb Hammer?

  Well, at least you did that. Oh my gosh. You're like a step ahead of the guests on the show usually.

• 57:33Speaker 01

  Oh, yeah. No, I count down on income tax. I, like, well, I'm a single mom, so I get

• 57:39Caleb Hammer?

  The deductions, yeah.

• 57:40Speaker 01

  Yeah, so like, I'm like

• 57:41Caleb Hammer?

  Not the deductions.

• 57:42Speaker 01

  So ready. Uh, so yeah, I got that. So I, I should be getting, I mean, I don't know if, should I tell you how much I'm?

• 57:49Caleb Hammer?

  Yeah.

• 57:49Speaker 01

  Okay, uh, six thousand, six hundred.

• 57:51Caleb Hammer?

  Good.

• 57:52Speaker 01

  So I was thinking to use that towards the credit card.

• 57:55Caleb Hammer?

  Oh, well, we'll definitely factor that in in the end. Don't get me wrong.

• 57:59Speaker 01

  And maybe the twenty-one hundred that I owe on apartment?

• 58:06Caleb Hammer?

  You're telling me it's impossible for you to get evicted and you're telling me you owe twenty-one hundred dollars on an apartment?

• 58:09Speaker 01

  I was not evicted. It was the

• 58:12Caleb Hammer?

  Yeah, but it's a pattern of behavior.

• 58:14Speaker 01

  But, okay, listen, it shouldn't even

• 58:16Caleb Hammer?

  What?

• 58:17Speaker 01

  It shouldn't even be twenty-one hundred because they screwed me over.

• 58:20Caleb Hammer?

  What?

• 58:21Speaker 01

  What do you mean, what?

• 58:22Caleb Hammer?

  What is it for?

• 58:23Speaker 01

  Tw- okay, so it's from like, the, the month that I was supposed to be there, but I was only there for two days. And they charged me the full mon- uh, month. Yeah, no shit. But I was only there for two days and they even told me that they were gonna like re-rate or re-rate me.

• 58:39Caleb Hammer?

  Did you have proof of that communication?

• 58:41Speaker 01

  Yes, email. It said it should have been sixty dollars.

• 58:44Caleb Hammer?

  They said that?

• 58:44Speaker 01

  Yes, and I tried to, yes. And I tried to dispute it and stuff, but again.

• 58:49Caleb Hammer?

  Dispute it how? Through the credit agencies?

• 58:51Speaker 01

  Through the man, like through them.

• 58:53Caleb Hammer?

  And?

• 58:54Speaker 01

  They're just bitches, like they don't.

• 58:56Caleb Hammer?

  That's not, no, no, no. What happened?

• 58:58Speaker 01

  They charged me eight ninety-nine.

• 59:00Caleb Hammer?

  Yes, what did they say?

• 59:02Speaker 01

  They didn't say, they didn't respond.

• 59:04Caleb Hammer?

  Go in there.

• 59:05Speaker 01

  But.

• 59:06Caleb Hammer?

  Go into the office. If you're not getting a response, go there.

• 59:11Speaker 01

  Well, life happens and I forgot, so now it's been two years.

• 59:14Caleb Hammer?

  A lot of money. Is it in collections?

• 59:16Speaker 01

  Yes, now it's in collections.

• 59:18Caleb Hammer?

  Oh, well, it's pretty much, you can try to dispute that specifically and show the email.

• 59:24Speaker 01

  You know, I tried to do that too, and they're like, oh, we're waiting for the management, management, uh, response.

• 59:29Caleb Hammer?

  What do you mean, more management from who? What do you mean?

• 59:30Speaker 01

  The management from the apartment.

• 59:32Caleb Hammer?

  No, I'm saying dispute it on your fucking credit report.

• 59:35Speaker 01

  Oh. I never had to do that, so like, do I just ask if I can pay half of it or something?

• 59:41Caleb Hammer?

  No, that, that would be talking to, no, you're talking about negotiating. Okay, so I'll get you, I'll, I'll look at, I'll look at what you got after this and we can talk about, we can talk about that.

• 59:51Speaker 01

  Yeah, I want to pay that off, but I also told my roommate she, she owes some of that too.

• 59:56Caleb Hammer?

  Does she was the same person?

• 59:58Speaker 01

  Yeah, she was living.

• 59:59Caleb Hammer?

  Super reliable. Yeah, this narrative is fully forming. She sounds like someone who can a hundred percent. Is that what this is? Is that what I'm looking at here? Cause I have a collections in front of me.

• 1:00:09Speaker 01

  Yeah, the twenty-one.

• 1:00:10Caleb Hammer?

  Twenty-one sixty-two.

• 1:00:11Speaker 01

  Yeah, that's the apartment.

• 1:00:14Caleb Hammer?

  Okay, wonderful.

• 1:00:15Speaker 01

  I said that she was gonna owe six hundred of that.

• 1:00:18Caleb Hammer?

  And what did she say?

• 1:00:19Speaker 01

  She said, okay, but not right now, because she has to go through like divorce and stuff, and she has to come up with her stuff with that. But I was like, I need to pay that off because it's.

• 1:00:28Caleb Hammer?

  A divorce?

• 1:00:29Speaker 01

  Yeah.

• 1:00:31Caleb Hammer?

  This is huge for Financial Audit. For a year now, my team and I have worked with experts to create what I truly believe are the three best educational programs in the financial space online. We have our budgeting program where I teach you how to create, manage, and revolutionize your budget and control your money. And then there's the investing program where I teach you to define what investing profile applies to you and your life, and then teach what specific investing strategies applies to you in that situation. And now finally, we have our debt program where I teach you the best ways to pay off debt, manage debt, and even take advantage of good debt. This has been a revolutionary project that we've been working on for over a year now.

• 1:01:12Caleb Hammer?

  And just like over 10,000 people who've already taken our educational programs, you can now take advantage of all three of them bundled together at a 15% discount. I've heard from thousands of people now who've taken these classes and they've literally changed their lives for the better. And finally, you can too, at a more affordable price. Head to CalebHammer.com or click the link in the description below. You will not regret this.

• 1:01:37Speaker 01

  That's why she needed a roommate, because she was going through divorce.

• 1:01:39Caleb Hammer?

  When?

• 1:01:40Speaker 01

  Two years ago.

• 1:01:41Caleb Hammer?

  Why is she still going through the divorce?

• 1:01:43Speaker 01

  Because she hasn't gotten an attorney.

• 1:01:44Caleb Hammer?

  They're fighting it out?

• 1:01:45Speaker 01

  Well, they were married and then they have a kid, so...

• 1:01:48Caleb Hammer?

  Well, how much is... oh, so they're fighting over custody?

• 1:01:50Speaker 01

  Probably, and he... she doesn't think that he wants to pay child support, so...

• 1:01:54Caleb Hammer?

  Does he want to? Well, the court will tell him.

• 1:01:57Speaker 01

  Yeah, I'm like, just wait for that money.

• 1:02:00Caleb Hammer?

  Yeah, never get a woman pregnant, Caleb. Look at that.

• 1:02:02Speaker 01

  She actually adopted, so it's a whole different thing.

• 1:02:07Caleb Hammer?

  What was the situation of the adoption?

• 1:02:10Speaker 01

  Um, so from my understanding...

• 1:02:12Caleb Hammer?

  Did they adopt them together?

• 1:02:13Speaker 01

  Yes.

• 1:02:14Caleb Hammer?

  And they were married?

• 1:02:15Speaker 01

  Yes. They had to be married to adopt because it was through his family's... They adopted, I think it was baby daddy's cousin.

• 1:02:24Caleb Hammer?

  Does he want custody? If he gets split custody, why would he give support? He wouldn't. Unless she had more.

• 1:02:30Speaker 01

  Well, he doesn't. I mean, to be honest, I don't even think he wants her.

• 1:02:34Caleb Hammer?

  Why would they adopt? This is disgusting.

• 1:02:36Speaker 01

  Yeah, she uh.

• 1:02:37Caleb Hammer?

  Y'all disgust me.

• 1:02:38Speaker 01

  Me? Or the baby daddies?

• 1:02:41Caleb Hammer?

  In the other ways that we were talking about, but come on.

• 1:02:44Speaker 01

  Oh, okay.

• 1:02:44Caleb Hammer?

  Well, yes, they disgust me in that way. That's crazy. Like. The actions around your spending is like your kid doesn't matter. And then their actions around they adopt and now they just don't give a about the kid, him. Like this is, um, this is, this, this conversation is filling me with disgust.

• 1:02:57Speaker 01

  Yeah, she has a lot going on. So I, I said that she just needs to pay me.

• 1:03:02Caleb Hammer?

  Which is great for you to rely on her again. Come on, are you seeing this? Are you not seeing your, you're defining what I was saying earlier, where this is such a risky situation.

• 1:03:11Speaker 01

  Well, how do I get myself out of that situation when we have already combined?

• 1:03:15Caleb Hammer?

  Is the insurance being paid on a monthly basis?

• 1:03:17Speaker 01

  Insurance, yes.

• 1:03:18Caleb Hammer?

  When's the term of your insurance done?

• 1:03:20Speaker 01

  I think it's like six months. And every, like every six months.

• 1:03:23Caleb Hammer?

  Yeah, the adopted child, so it would be counted for that. But I, I wanted to look it up just to be extra safe in the state of Texas, because you never know. For the adoption or whether it was his DNA, you know, but since they adopted together. Okay. At least that's what I'm seeing. I'm not a lawyer. This is the, you know, the quick, quick check.

• 1:03:41Speaker 01

  But I mean.

• 1:03:41Caleb Hammer?

  Well, this is insane.

• 1:03:42Speaker 01

  Have you even seen like doctors just Google something right in front of you? So like, what, you know, like someone just, like a lawyer searching it up. Cause you just said you weren't a lawyer.

• 1:03:53Caleb Hammer?

  Yeah, but don't they search more databases?

• 1:03:55Speaker 01

  I don't know. I'm pretty sure I've seen.

• 1:03:57Caleb Hammer?

  I don't fucking know.

• 1:03:58Speaker 01

  That I don't know.

• 1:03:58Caleb Hammer?

  Okay, okay, okay. Here's credit wise. Um, real estate zero. Yeah. Personal loan zero. That's good. Oh gosh, credit cards we already saw that.

• 1:04:05Speaker 01

  Yeah, paid off all my.

• 1:04:05Caleb Hammer?

  So this is, this is, we already saw everything here, right? Or is there another debt that I don't know about?

• 1:04:10Speaker 01

  No, that's, that.

• 1:04:11Caleb Hammer?

  Is there any other?

• 1:04:12Speaker 01

  Ah, I don't know where it's at. Um.

• 1:04:15Caleb Hammer?

  Rack, rack.

• 1:04:16Speaker 01

  It's an iPad. With an Apple pen, it's like eleven hundred.

• 1:04:20Caleb Hammer?

  You do seem like an iPad kid. This is making sense. Okay, what? Tell me.

• 1:04:25Speaker 01

  Well, uh, yeah, no, I purchased that back in twenty twenty one. Um, and I got, it's like eleven hundred. I have not made a payment in a few years.

• 1:04:37Caleb Hammer?

  A few fucking years?

• 1:04:39Speaker 01

  Yeah.

• 1:04:39Caleb Hammer?

  Why? From who? Who'd you borrow?

• 1:04:41Speaker 01

  Uh, Progress Lease or something off of Best Buy.

• 1:04:45Caleb Hammer?

  Oh.

• 1:04:46Speaker 01

  I don't, yeah, I don't know.

• 1:04:47Caleb Hammer?

  How is that not in collections yet?

• 1:04:48Speaker 01

  I don't know. I don't know how it's not affecting my credit. I even called them and they said, they said that it's not affecting my credit.

• 1:04:54Caleb Hammer?

  Who'd you call?

• 1:04:55Speaker 01

  The Progress Lease.

• 1:04:56Caleb Hammer?

  Okay, so it's still open with them? They haven't sent it to collections, maybe internal collections, but not, they haven't sold it off or reported it?

• 1:05:02Speaker 01

  I haven't opened the, my thing.

• 1:05:05Caleb Hammer?

  What did they say? Did they say that they will sell to collections?

• 1:05:08Speaker 01

  No, they just said that it does, it won't affect it. Just make a payment whenever.

• 1:05:13Caleb Hammer?

  Are they just letting it balloon?

• 1:05:15Speaker 01

  I guess. I don't know. I'm like, I'm surprised they haven't even like came in and like, oh, give me my iPad. You haven't made any payments or anything.

• 1:05:22Caleb Hammer?

  Maybe they're trying to allow that balance to balloon, balloon, balloon. So when they sell it for pennies on the dollar, they get closer to recouping their cost.

• 1:05:29Speaker 01

  I have no idea.

• 1:05:30Caleb Hammer?

  But there's still a way for you to get in the end on that. Any other debt?

• 1:05:34Speaker 01

  I believe that is it.

• 1:05:37Caleb Hammer?

  Would you know?

• 1:05:39Speaker 01

  Yeah, that's, that's it.

• 1:05:42Caleb Hammer?

  Here's your checking account, which we had to zoom in on because when you sent your checking account, it was about this big.

• 1:05:47Speaker 01

  Oh, hey, that was the PDF file.

• 1:05:49Caleb Hammer?

  Yes, after he blew it up.

• 1:05:51Speaker 01

  Glasses?

• 1:05:52Caleb Hammer?

  Huh?

• 1:05:53Speaker 01

  With your, like, you can read with those?

• 1:05:55Caleb Hammer?

  Once he blew it up, yes, because we had to fix your confusion. Okay, you went in Circle Gate, got some bullshit. Lost and found, raising, oh my gosh, suspending on here is fucking crazy. Dude, this entire sheet is filled with bullshit, bullshit, bullshit. I'm surprised.

• 1:06:13Speaker 01

  Yeah, I'm kind of curious on how much bullshit.

• 1:06:15Caleb Hammer?

  I already told you the amount.

• 1:06:17Speaker 01

  Oh, five thousand, right? Or is that included with?

• 1:06:21Caleb Hammer?

  Have you been here?

• 1:06:23Speaker 01

  Yes, you said six hundred something with fast food, but the other bullshit, what? Did you tell me a number?

• 1:06:33Caleb Hammer?

  At the time of this, $157 in checking account, that is risky as

• 1:06:39Caleb Hammer?

  how you didn't have an overdraft, I have no idea. Okay, and then poor house downtown, some restaurant downtown, Bury Market. Three, six, yeah, you went and got some bull, and got some bullshit McDonald's, Apple Bill, Whataburger. Went in, got some bull, Apple Bill, she's what is this, we're gonna have to look at your subscriptions. Went in, got some bull, Pickle Smoothie, went in, got some bull, what are you stopping it to get your $3 purchases from constantly every second of your

• 1:07:10Speaker 01

  Oh, the, that's my energy drinks for work.

• 1:07:12Caleb Hammer?

  Yeah, all your miscellaneous bullshit, something I didn't tell you about earlier, guess what? That comes out to an additional 347, so stack that with your going out to eat, basically spending a thousand dollars on bull there.

• 1:07:22Speaker 01

  Well, the energy drinks.

• 1:07:24Caleb Hammer?

  Yeah, buy them in bulk if you're gonna buy them, incorporate them into your grocery budget, don't, by the way, brew coffee.

• 1:07:29Speaker 01

  I do brew coffee as well.

• 1:07:31Caleb Hammer?

  Brew double the coffee.

• 1:07:33Speaker 01

  Well, I drink the, I drink the energy drink.

• 1:07:36Caleb Hammer?

  Yeah, you're not paying your damn bills. Cause you're pay advancing, because you're maxing out credit cards, how are you, how have I not gotten through to you yet? You know, even like the guests where it's like, it seems like an insane guest, I know I'm at least breaking through to them by the time we get to this. Come on, the fact that you are not understanding what I'm saying, come on, Dunkin' Donuts, Subway. I guess I shouldn't be mad about that, but this is, I don't know, I don't know, I feel like all this work. Okay, Apple Bill, going in, getting some monster, Apple Cash sent out, Apple Cash sent out, what is all that Apple Cash sent out?

• 1:08:11Speaker 01

  Uh, well, the Apple Cash is also with, well, is it, oh, okay, Apple Cash, what's the?

• 1:08:17Caleb Hammer?

  Eighty and 21.

• 1:08:18Speaker 01

  Eighty, 21?

• 1:08:19Caleb Hammer?

  Eighty and then 21.

• 1:08:21Speaker 01

  Oh, yeah, well, that could be either, um, for like vape?

• 1:08:28Caleb Hammer?

  Oh, you're vaping, don't vape, you have a child, you wanna be there. I've had people on the show, their, her lung was collapsed from vaping. I don't, me, and another one who's with someone who had a lung collapse and is now still vaping. Like, come on, two times in the show, what are we doing? Don't do it, survive for your kid. Starbucks, go in and get in a monster, go in and get in a monster, go in and get in a monster, go in and get in a monster. Starbucks, oh thirty seven twenty four from Starbucks, what the are you possibly doing? Good McDonald's, go in and get in a monster, go in and get in a monster, this is a joke.

• 1:09:09Speaker 01

  Every day I go and and get.

• 1:09:11Caleb Hammer?

  San tech, Santi Cox?

• 1:09:14Speaker 01

  Santicos?

• 1:09:15Caleb Hammer?

  Santicos.

• 1:09:16Speaker 01

  It's a movie theater in San Antonio.

• 1:09:18Caleb Hammer?

  Oh my gosh, and then more movie theater, more movie theater, Starbucks, more movie theater?

• 1:09:23Speaker 01

  I think.

• 1:09:24Caleb Hammer?

  Raising Canes, monster, monster, monster, monster, monster. Apple Cash sent out, so vape, monster, monster, possible? Possible, two possibles in a row, thirty four dollars?

• 1:09:42Speaker 01

  Oh, I paid, I was paying a loan off that I borrowed.

• 1:09:44Caleb Hammer?

  Oh, possible, that's the the day of alternative, I've never heard of possible. Apple Cash sent out again, so we're killing ourselves and there's more movie theaters in Five Below, go to the park with the kid, go to the park.

• 1:09:57Speaker 01

  Well, it was her birthday.

• 1:09:57Caleb Hammer?

  Go to the park, congratulations, happy birthday, we're going to a park, you're a six year old, you barely know the difference.

• 1:10:01Speaker 01

  She also likes doing that too, but I wanted to take her out to the movie.

• 1:10:04Caleb Hammer?

  I get you want to, and I like the heart, but if you are potentially putting her at risk for the housing situation or future things, you're fucking it up, you're putting her through more stress in the end, she doesn't know it yet.

• 1:10:15Speaker 01

  So do you have any suggestions for?

• 1:10:17Caleb Hammer?

  But we have warm days all the time, especially in San Antonio, yes, it's cold today, but it'll be, it could be warm tomorrow. In fact, on, I believe on Friday and Saturday, it's gonna be like sixty or seventy, it's gonna be fine. It's an example, it's always hit or miss in the winter here.

• 1:10:34Caleb Hammer?

  Probably Monster, Cash App out, a hundred and ten dollars, movie theater, TikTok fucking shop, good thing it's getting banned for you, SBS, yeah.

• 1:10:42Speaker 01

  Is that even true?

• 1:10:44Caleb Hammer?

  We will see, I don't know, by then, by now, it might be completely different, but it hasn't been done yet. At the time of filming this, um, more Epicure, shut up, three hundred ninety five dollars.

• 1:10:56Speaker 01

  The what?

• 1:10:57Caleb Hammer?

  395 Apple Cash!

• 1:10:59Speaker 01

  Oh yeah, that's, that's, um, that was rent.

• 1:11:02Caleb Hammer?

  Monster Panda Express, Monster, Monster, Apple Bill, Monster, Apple Cash sent out. Oh, there's more! What a joke!

• 1:11:13Speaker 01

  Well, I-

• 1:11:15Caleb Hammer?

  Six-year-old kid we have to take care of.

• 1:11:18Speaker 01

  I can't drink.

• 1:11:18Caleb Hammer?

  A roommate we can rely on, uh-huh. Bills, we're paying our bills, our bills are paid, fuck you. Oh wait, this is a different account, starting balance $1.60, ending balance $2.06. What's this account?

• 1:11:33Caleb Hammer?

  I know, you couldn't do a PDF, you probably don't know what this is either, but what, it will just like, try. Try, try your best. Here, I'll let you touch it.

• 1:11:39Speaker 01

  Thank you. Maybe I need glasses. Oh, this is my, um, child support card.

• 1:11:44Caleb Hammer?

  I didn't know this, okay.

• 1:11:45Speaker 01

  That's my child support card.

• 1:11:46Caleb Hammer?

  So...

• 1:11:48Speaker 01

  So I have three-

• 1:11:49Caleb Hammer?

  You spend your child support on Monster, Dunkin' Donuts, Planet K Games, Monster, Monster, Panda Express, Claire's, and GameStop?

• 1:12:01Speaker 01

  GameStop? I don't even remember that one.

• 1:12:03Caleb Hammer?

  Well, everything's coming together now, guys.

• 1:12:05Speaker 01

  Well, the child support-

• 1:12:06Caleb Hammer?

  Good use of child support.

• 1:12:08Speaker 01

  That, okay, but-

• 1:12:10Caleb Hammer?

  You're being real supportive.

• 1:12:10Speaker 01

  Okay, I was gonna say the bills are being paid, but then you're gonna yell at me, and that they're not being paid, but-

• 1:12:15Caleb Hammer?

  Welcome to reality. So, income, 2950. Your debt minimum monthly payments, I mean, it's not insane, I mean, that car payment is hard, but you don't have a ton of debts. Uh, 558 on a monthly basis, what's your portion of rent? Your portion of rent, not with the funky math, your portion of rent.

• 1:12:33Speaker 01

  700.

• 1:12:34Caleb Hammer?

  Utilities?

• 1:12:36Speaker 01

  Like, all of it together?

• 1:12:38Caleb Hammer?

  What you pay for.

• 1:12:39Speaker 01

  Well, okay, so 35 for, uh, water, 65 for electricity. I do, I pay 60 for wifi. Um... 60 every three months for trash.

• 1:12:58Caleb Hammer?

  Okay.

• 1:12:59Speaker 01

  So twenty dollars a month. Um.

• 1:13:02Caleb Hammer?

  You have renters insurance?

• 1:13:03Speaker 01

  No.

• 1:13:04Caleb Hammer?

  Get renters insurance, you dumb tit. I'm getting ten dollars renters insurance. It's dumb not to have renters insurance. That's why I said dumb tip, please. If something happens, make sure you're covered. Ten dollars is so cheap.

• 1:13:17Speaker 01

  I have renters insurance under my, well, under my car insurance, but I.

• 1:13:21Caleb Hammer?

  Well, check. I'll take it out for now. Put it in if you need it.

• 1:13:24Speaker 01

  Okay.

• 1:13:24Caleb Hammer?

  Okay. What's your phone bill?

• 1:13:26Speaker 01

  Um, my parents are actually paying for that.

• 1:13:28Caleb Hammer?

  Yeah, that makes sense.

• 1:13:29Speaker 01

  I'm thankful for that.

• 1:13:30Caleb Hammer?

  Yes, you're sixteen. Okay. But that's fine, I guess, for now.

• 1:13:36Speaker 01

  Yeah, it was seventy dollars.

• 1:13:37Caleb Hammer?

  Groceries, you should be able to do five hundred. The roommate, she takes care of herself. TP fund, should be able to do a hundred fifty. That takes care of essentials and anything else you need. Okay? I know that can get a little complicated around school beginning season. Sometimes you take a little more in a month and you do less the next month. Please download the simpler budget app. Please, you get it for free forever, the premium version with all the classes and all the live sessions where you talk to financial advisors. Please do it. Don't this up. Gas, room, room, drive, drive on a monthly basis.

• 1:14:10Speaker 01

  Three hundred.

• 1:14:11Caleb Hammer?

  Okay. Car insurance, your portion.

• 1:14:14Speaker 01

  Two eighty-eight.

• 1:14:16Caleb Hammer?

  That's your portion, okay.

• 1:14:18Speaker 01

  Cause I I'm also.

• 1:14:19Caleb Hammer?

  Medical expenses.

• 1:14:21Speaker 01

  I don't have any so far yet.

• 1:14:22Caleb Hammer?

  Therapy is not a copay?

• 1:14:24Speaker 01

  No, but.

• 1:14:25Caleb Hammer?

  Medications?

• 1:14:27Speaker 01

  No.

• 1:14:28Caleb Hammer?

  What? What were you saying?

• 1:14:29Speaker 01

  Um, I just recently got insurance through my, through my.

• 1:14:32Caleb Hammer?

  Good, but what are your, not the expenses outside of that?

• 1:14:34Speaker 01

  No.

• 1:14:35Caleb Hammer?

  Gym?

• 1:14:36Speaker 01

  Uh, I just got a gym.

• 1:14:37Caleb Hammer?

  How much?

• 1:14:37Speaker 01

  Thirty-five.

• 1:14:38Caleb Hammer?

  I support it.

• 1:14:40Speaker 01

  Thirty-five, but in February, there's gonna be.

• 1:14:42Caleb Hammer?

  Pets?

• 1:14:43Speaker 01

  How old?

• 1:14:44Caleb Hammer?

  Yes.

• 1:14:44Speaker 01

  Um, both of my cats are like two, three years old, and then my dog just turned one.

• 1:14:52Caleb Hammer?

  Hush. We gotta take a hundred, uh, thirty dollars out of your paycheck for the health insurance. Okay, so your new income is two thousand eight hundred twenty. Okay, I'm sorry, how old are they?

• 1:15:05Speaker 01

  Um, like, two years old for the cats, and then, uh, one year old.

• 1:15:09Caleb Hammer?

  Are they healthy?

• 1:15:10Speaker 01

  Yes.

• 1:15:11Caleb Hammer?

  Okay, I'm putting in a hundred twenty dollars for pet insurance. Or else you can't have pets, or else you can't have pets. Cause you are not gonna be able to cover a life-saving emergency. And if you can't cover it, you shouldn't have them.

• 1:15:25Speaker 01

  Are you incorporating my insurance that I just got too?

• 1:15:28Caleb Hammer?

  No.

• 1:15:29Speaker 01

  Oh, okay.

• 1:15:30Caleb Hammer?

  Pet insurance, pets aren't covered under your health insurance.

• 1:15:33Speaker 01

  I know, but like for the budget.

• 1:15:34Caleb Hammer?

  Would I do that?

• 1:15:35Speaker 01

  But for the budget part, wouldn't you incorporate to see?

• 1:15:39Caleb Hammer?

  Your insurance payment?

• 1:15:40Speaker 01

  Yeah.

• 1:15:40Caleb Hammer?

  Yes, it's taken from your income, that's why your net income went down.

• 1:15:43Speaker 01

  Oh, okay, okay, got you, got you.

• 1:15:44Caleb Hammer?

  I'm putting in a hundred twenty dollars for pet insurance. Anything else that needs to be in your budget that I do not, that I have not put in there?

• 1:15:51Speaker 01

  Like I'm gonna forget something later on.

• 1:15:53Caleb Hammer?

  You probably will, but build the budget, go through the budgeting class so you also know how to build the budget. Go through, well, eventually the investing class. Again, you get everything for free, we wanna set you up with so much stuff for success. We, you get so much. They get it all bundled together for fifteen percent off all the classes, and I think everyone should take it, but you get it for free, so make sure you can do it, or else I'm gonna be pissed.

• 1:16:16Speaker 01

  I'll make you proud.

• 1:16:17Caleb Hammer?

  You better, I mean, we can put you, uh, take, take the free course through Course Careers as well. So we can get you set up with a certification to boost your income or change your career if you ever want to.

• 1:16:25Speaker 01

  Yeah, my dream job is actually videography.

• 1:16:27Caleb Hammer?

  Videography, well, they don't do that, but go, go ahead and take, take their free course and get assessed or something.

• 1:16:32Speaker 01

  I would like to.

• 1:16:33Caleb Hammer?

  Okay, your budget's over by sixteen dollars. You need two, you need two thousand eight hundred thirty-six is why you're paid advances, is why your credit card's getting into max. This is why you're not making any progress, this makes sense. Can you pick up more hours at this job, is that an option? Or do you hit forty and that's it?

• 1:16:48Speaker 01

  Rare, rarely, um, since I'm a trainer.

• 1:16:50Caleb Hammer?

  Is it consistent? Do you know your days and time?

• 1:16:53Speaker 01

  Yes.

• 1:16:53Caleb Hammer?

  Or does it fluctuate?

• 1:16:55Speaker 01

  Um, it doesn't fluctuate.

• 1:16:56Caleb Hammer?

  Good, what work days do you work again? I remember they were longer hours.

• 1:17:01Speaker 01

  Um, Tuesday?

• 1:17:04Speaker 01

  Thursday, Friday, Saturday.

• 1:17:05Caleb Hammer?

  Good. Tuesday, Thursday, Friday, Saturday. Wonderful. Sunday, Monday.

• 1:17:10Speaker 01

  And Wednesday, I'm off.

• 1:17:12Caleb Hammer?

  Yes. Uh, what, what happens to the kid? Um, well, the kid's in like first grade now, in second grade, right?

• 1:17:17Speaker 01

  Kindergarten.

• 1:17:18Caleb Hammer?

  Kindergarten? Okay. So they're in public school though. Good. Okay. You're working at a coffee shop or something while she's at school on Monday and Tuesday.

• 1:17:25Speaker 01

  Monday and Tuesday?

• 1:17:26Caleb Hammer?

  Yeah, just something during the day, anything you can do.

• 1:17:27Speaker 01

  Monday and Wednesday?

• 1:17:28Caleb Hammer?

  Even just going in and plugging numbers into someone's system.

• 1:17:30Speaker 01

  I tried to apply for Starbucks.

• 1:17:31Caleb Hammer?

  Well, okay, you didn't get that one.

• 1:17:33Speaker 01

  They.

• 1:17:33Caleb Hammer?

  Work more, uh, figure out other ones.

• 1:17:36Speaker 01

  Well, they, they said that I needed specific hours to go and train.

• 1:17:39Caleb Hammer?

  Yes, they will. You're gonna have to apply like it's a full-time job. You're not gonna apply to one job and say, oops, I didn't get it. You're gonna be applying to everything and you're giving, gonna give them your work hours. You're gonna get nos ninety-nine point nine percent of the time, but you need to work more. The fact is you are negative sixteen dollars on a monthly basis now with your health insurance. And I'm glad you have health insurance. It's something that you're required to have. And even if we are missing anything from this budget, you're gonna be negative even more. And this is just basic survival. I didn't put a single cent of fun money in there and we know you spend money on fun. Approximately a thousand, if not a thousand five hundred dollars on it, which is not surprising with how you're doing the Dave thing. How much do you owe on Dave right now? Cause I know you haven't backpaid Dave.

• 1:18:12Speaker 01

  Yes, I have.

• 1:18:13Caleb Hammer?

  Really? So you're a parent on Dave?

• 1:18:14Speaker 01

  Okay, so I have not used Dave in a while. It's just that.

• 1:18:17Caleb Hammer?

  Oh, no, no. Well, I saw the other version though in there.

• 1:18:19Speaker 01

  Possible. I paid off that.

• 1:18:20Caleb Hammer?

  Okay, never use it again. Listen, you are getting a, even if you're just nannying or dog watching, you download Rover. Go walk some dogs and stuff during that time. There is so much you can do, even if you're just driving Uber Eats or something, literally.

• 1:18:34Speaker 01

  I used to do Uber Eats.

• 1:18:35Caleb Hammer?

  Listen, and it's not as good as it used to be, but the thing is there are so many options and the limit is you. So whatever you can do to work during the day while she is at school on Monday and Friday, just to make progress. Bring in an extra three hundred dollars a month. This debt will still take a while to pay off, but at least we can start making progress. At least with that extra three hundred dollars a month, you've, oh, fifty-five months. And that still takes four and a half years. But obviously hopefully pay increases, more hours, holiday sessions, stuff like that. The fact is.

• 1:19:05Caleb Hammer?

  You might have to take something to course careers and try to get a better paying job. That might have to be something that you're doing.

• 1:19:10Speaker 01

  I do want to go to college.

• 1:19:12Caleb Hammer?

  Well, that's, I'm sorry, that's gonna be difficult right now.

• 1:19:15Speaker 01

  Yeah.

• 1:19:15Caleb Hammer?

  With the reality of your situation. If you're doing it, we're getting out of debt, we might be cash flowing some community school.

• 1:19:21Speaker 01

  Oh, yeah, no, my plan was to do community.

• 1:19:23Caleb Hammer?

  I know, but even still, we can't take away hours from work right now because your minimum survival is this. And I need you to work more than you are. So I, you need to pull in an extra 500 bucks a week. Which, and that's gonna be difficult if you work those two. Eight hours, because it wouldn't even be eight hours.

• 1:19:39Speaker 01

  No, because.

• 1:19:40Caleb Hammer?

  It'd be six hours.

• 1:19:41Speaker 01

  The earliest I can drop them off is seven.

• 1:19:43Caleb Hammer?

  And then I could pick them up. I got you.

• 1:19:48Speaker 01

  But with my income taxes, I was, I was thinking I could maybe.

• 1:19:51Caleb Hammer?

  There is that, but you'd be working, that'd be 41 bucks an hour. You're, at the best, you'll be half of that.

• 1:19:57Speaker 01

  Yeah.

• 1:19:57Caleb Hammer?

  So, uh, but the roommate's okay with watching the kids on some evenings, right?

• 1:20:02Speaker 01

  Yeah, it's just like.

• 1:20:03Caleb Hammer?

  You're gonna have to work some evenings.

• 1:20:04Speaker 01

  We alternate days.

• 1:20:05Caleb Hammer?

  Good, good, good, good. Just the ones that you're alternating, you're working. This is the grind time, you're in the grind time. You need to work. That's the fact. Your tax return.

• 1:20:16Speaker 01

  I mean.

• 1:20:16Caleb Hammer?

  For a second, that is great, great, let's pay off the credit card with the tax return. Let's put a thousand, no, let's put a, uh, let's put 2,000 hours aside on the savings. 1,500 to the credit card that's gone. And then with the remaining amount, putting towards the car loan and we're aggressively paying down that car as quick as possible. Okay, we're leaving the collections, you can negotiate in the end, we'll talk about it on the financial audit follow up channel when you come back on. But you have no emergency fund, you're dramatically behind on investing. Like you're in a scary situation, I don't think you fully realize that.

• 1:20:46Speaker 01

  Investing in something?

• 1:20:48Caleb Hammer?

  Because of your situation right now? No, but yes, you should have been at this point, even if minimal.

• 1:20:53Speaker 01

  Yeah, I have not, like, I would like to know.

• 1:20:55Caleb Hammer?

  We'll get you there and you'll take the investing class as well. But either way.

• 1:20:59Speaker 01

  No knowledge of that.

• 1:21:00Caleb Hammer?

  We will get you there, that's not where you are today, I need you to focus on this, I'm just saying you're in a very dangerous position. The fact that you don't understand that is worrisome and I need you to get a fire under your butt. Because I'm scared for you and your child legitimately, and you do not deserve that as a human on this planet. I do not want you to have to go through that, but the fact is that the choices you are doing have gotten you here. This has all been your choice. All been your choice. The kid coming into the world, okay, that happens. But from here, the financial choices that you're making have been your choice. You're in a blessed situation where your rent's relatively cheap. She's gonna watch the kids sometimes and you're gonna be working. You need to bring in a minimum $500 extra a month. That is a minimum. Yes, I'm glad the credit card will go away. You're gonna, you're gonna actually close the credit card. You're gonna close it. It's gonna hurt your credit, but you're gonna close it because you cannot be trusted.

• 1:21:42Caleb Hammer?

  Until you can build the behavior necessary to have a starter credit card again in the future, you cannot have it again. You can use the FIS card, so you can still be building credit. But, and then we're paying off the car as quick as we can. With that, I'm guessing with the extra $500 coming in on a monthly basis with where your car will be, you'll be out of debt in two years. You'll be out of debt in two years, but you'll have pay increases and better months. So you'll be out of debt and probably, I'm guessing about a year and three fourths. Then you're gonna get a fully funded emergency fund, probably two and a half year process.

• 1:22:11Speaker 01

  So should I not try to refinance my car?

• 1:22:13Caleb Hammer?

  Um.

• 1:22:14Speaker 01

  Cause I'm, I was trying to build my credit up to refinance my car.

• 1:22:18Caleb Hammer?

  Well, you're, you're trying is complete failure because you're at a max out credit card, so that doesn't make any sense.

• 1:22:25Caleb Hammer?

  That's not to make or break, because we're gonna pay off this car so quick that it'll be pretty mid. It can, if you're, if, but the fact is, I don't want you to refinance it and think that you've made progress. So all of a sudden, we let the foot off the gas. I don't want there to be a psychological failure there. That's the only reason why I'm like a little against it. I'm not against it in a mathematical perspective, but.

• 1:22:43Speaker 01

  Cause I, I refinanced a car before and it, it saved me like a hundred dollars.

• 1:22:48Caleb Hammer?

  So it doesn't matter. Hammer financial score, you thought you were two. Let's see, you spent over your budget, so that's a zero out of 10. You have collections, so debt is a zero out of 10. Emergency fund, you don't have a single dollar. Zero out of 10, retirement, doesn't even know what that is. Zero out of 10, real estate, zero out of 10, you don't own anything. Yeah.

• 1:23:04Speaker 01

  They're my, I think I have a 401K.

• 1:23:06Caleb Hammer?

  Oh, how much is in it?

• 1:23:08Speaker 01

  I do not know.

• 1:23:09Caleb Hammer?

  How much you think is in it?

• 1:23:11Speaker 01

  I'm gonna say 12,000.

• 1:23:12Caleb Hammer?

  12,000?

• 1:23:14Speaker 01

  I don't know.

• 1:23:15Caleb Hammer?

  That's not reliable, is it?

• 1:23:17Speaker 01

  What do you mean? Like I, I, I don't know.

• 1:23:19Caleb Hammer?

  Do you guys know what it is? Okay, no, you did not.

• 1:23:23Speaker 01

  In, in my pay stub somewhere, it said like 401k, I don't know.

• 1:23:30Caleb Hammer?

  Probably the amount that went to it. Do you know the percentage you put into your 401k?

• 1:23:34Speaker 01

  No, probably like fifty dollars.

• 1:23:36Caleb Hammer?

  Hey, I need you to talk to HR or just anyone at the company, whatever, even a manager. Figure out your contribution that's going to 401k. If you're taking a match, is there a match?

• 1:23:47Speaker 01

  I think so.

• 1:23:48Caleb Hammer?

  Take the match only. Do not contribute anything more because you do not have enough to survive.

• 1:23:52Speaker 01

  What do you, I'm not very educated. Texas education like failed.

• 1:23:56Caleb Hammer?

  No, it didn't. You failed. Trust me.

• 1:24:00Speaker 01

  They didn't teach me how to file taxes. They didn't teach me how to do X, Y, Z.

• 1:24:03Caleb Hammer?

  Most don't. You have failed life. Let's be honest. You have access to Google and YouTube and everything.

• 1:24:09Speaker 01

  Yeah.

• 1:24:10Caleb Hammer?

  People are wondering like, why would you charge for a class? It's because even with the free resources out there, people cannot figure it out. People cannot wade through the information. There's so much out there that we put it in a good navigable way and actually teach real value.

• 1:24:22Speaker 01

  Like I'm good at math. Like I know.

• 1:24:24Caleb Hammer?

  Listen.

• 1:24:25Speaker 01

  It was my strong suit.

• 1:24:26Caleb Hammer?

  Listen, they offer a four, they offer a 401k match, probably. You are going to take that match. Anything over that match you are not going to do.

• 1:24:38Speaker 01

  So what?

• 1:24:39Caleb Hammer?

  Well, I want to move on.

• 1:24:41Speaker 01

  No, what is the match?

• 1:24:42Caleb Hammer?

  We'll talk about this in the Financial Auto Post Show because I am moving on and I am currently done with this because it was a little frustrating. Retirement, I'm putting it a zero out of 10 because you, you know, I'll put it a one out of 10 because you can't tell me anything. I'll round up to a him or financial score point five out of 10. Guys, join us in the post show. We're going to explain the match, but we're also more importantly going to call and have that confrontation with her roommate, who apparently refuses to do anything mature in this entire world. And that'll be good. And join us for the extra thousand hours of extra content we have in our elite membership. Best value for your dollar. Check out all our education, 15% off bundle. See you there. We need to get your roommate off the car insurance. Confront her.

• 1:25:21Speaker 01

  Call her right now?

• 1:25:22Caleb Hammer?

  Yes, ma'am.

• 1:25:22Speaker 01

  Usually I need like a few therapy sessions before.

• 1:25:25Caleb Hammer?

  Not this time.

• 1:25:26Speaker 01

  They suggest that we get separate car insurance.

• 1:25:31Speaker 02

  I pay more on the mother [BLEEP] rent. So um, here is going to be you taking care of my bills. You're [BLEEP].

• 1:25:39Caleb Hammer?

  You have one kid. You don't need to.

• 1:25:42Speaker 02

  He's a [BLEEP] ass. [BLEEP] you. You're the [BLEEP].

• 1:25:46Speaker 01

  Let's create that up.

• 1:25:48Caleb Hammer?

  To watch the financial audit post-show, click the join button below.