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Chapters:
00:00 Intro
11:06 excuses excuses excuses
24:39 the math is not mathing
33:10 thats f*cking wild lol
47:00 what a ridiculous number
01:04:30 taco bell isnt even good…
01:15:00 Budget!!
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Transcript 16,900 words · 6 speakers
Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.
0:00 Speaker 00 At Edward Jones, we believe rich is about taking care of what gives your life meaning. That's why your financial advisor personalizes your plan to help you preserve your progress and create something that lasts. Let's find your rich. Edward Jones. Member SIPC.
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0:45 Caleb Hammer? To watch episodes of Financial Audit a week earlier, check us out on YouTube.
0:48 Speaker 03 What's it like to be God's favorite?
0:50 Speaker 01 Good. It's also some discipline in there.
0:52 Caleb Hammer? What happened a few days ago?
0:54 Speaker 03 What happened a few days ago? What do you mean?
0:55 Caleb Hammer? [bleep] me.
0:57 Speaker 03 What are you asking?
0:58 Caleb Hammer? You got evicted?
1:00 Speaker 03 I was trying to make a decision, and you don't like it. That's fine.
1:02 Caleb Hammer? I don't like it. Matt doesn't like it.
1:04 Speaker 03 Whatever, dude. Okay, so, I know, I know, I know, I know.
1:09 Caleb Hammer? The tools to change your life have just been upgraded. Download my budgeting app, rebranded to Dollar Wise today, and start your free trial. Sign up for the annual version, and I'll send you my budget-friendly cookbook that can't be purchased anywhere else, and I'll personally sign it and mail it directly to you. Download the Dollar Wise Budgeting app today and take advantage of your free trial.
1:31 Speaker 03 Hi, I'm Bianca. I'm 31, and I live in Austin, Texas.
1:37 Caleb Hammer? And this is Financial Audit. Yes, sir, is. And thanks for coming over to Financial Audit. It's rare to get someone in Austin these days. We just get people from all over the country. But I appreciate you taking the drive in. So, what do you do here for a living?
1:51 Speaker 03 I'm a bartender.
1:52 Caleb Hammer? At 31? Okay.
1:57 Caleb Hammer? Well, it just sounds like more of a temporary job.
1:59 Speaker 03 Okay, well, it's only been like three years. It's more money than I was making before.
2:05 Caleb Hammer? Okay, yeah, again, I mean, it all comes down to the financial, right? If we're just talking about like the perception of it, sounds like more of a temporary job. But if it's not, if you're able to do it forever and you're making a [BLEEP] on [BLEEP], let's go, right?
2:16 Speaker 03 Yeah.
2:16 Caleb Hammer? So what are you making?
2:17 Speaker 03 Um, I bring it. So I just started this job now at about two months ago. Um, it's about nine fifty a week after taxes.
2:25 Caleb Hammer? Okay, actually that in Austin, times that by fifty-two, divided that by four, talking net four thousand one hundred seventeen bucks.
2:36 Speaker 03 Sounds all right.
2:37 Caleb Hammer? On average, okay, so Austin, Texas, listen, I mean, rent's gotten better in Austin because we actually built things in like other places. It's no longer the most expensive city in Texas when I started the show. How you doing? Because that should, you know, that should be a pretty, you should be doing, you should, you should be surviving. You should be doing a little more than surviving.
2:56 Speaker 03 Um, yeah, I'm scraping by it. I, my rent is pretty reasonable. Um, it's all of the debts that I accrued over the last few years.
3:06 Caleb Hammer? Few years, but you said you've been in this job for three years.
3:08 Speaker 03 I.
3:09 Caleb Hammer? Which is a better paying job than you've been in.
3:11 Speaker 03 Yeah, well, I also have some stuff happened a few years ago and then I just racked up all my credit cards. And now I have to pay for them.
3:21 Caleb Hammer? What happened a few years ago besides the boob job?
3:23 Speaker 03 Uh, boob. Bad breakup, so then.
3:27 Caleb Hammer? Ah, and that's why we got the boob job, right?
3:30 Speaker 03 No, I got the boob job before. But like two months before, financed that and then also bought a car and a hot tub.
3:38 Caleb Hammer? Bad breakup equals hot tub?
3:41 Speaker 03 Well, I bought, no, okay, so that was before the breakup. I bought a hot tub, financed that, got a boob job, financed that, and then also bought a car. So I would sign up.
3:49 Caleb Hammer? Hot tub, what? Do you have a house?
3:52 Speaker 03 Um, I did. I don't have the hot tub anymore.
3:54 Caleb Hammer? You had to sell a used hot tub.
3:56 Speaker 03 No, he still has it.
3:58 Caleb Hammer? Even though you bought it and financed it?
3:59 Speaker 03 Yeah, he makes the payments on it.
4:01 Caleb Hammer? Why's your tongue doing this in your mouth?
4:03 Speaker 03 I'm nervous.
4:04 Caleb Hammer? Okay. I've just never seen a person do that before.
4:07 Speaker 03 Okay, fine, also.
4:08 Caleb Hammer? It's okay. I was just curious. I was like, what's going on in there? Like? What do you mean by that? Okay, so you're saying a lot of this has to do with the bad breakup, though?
4:18 Speaker 03 No, I financed all of that when I was in a better financial position because
4:21 Caleb Hammer? Because of the breakup.
4:22 Speaker 03 And then the breakup.
4:24 Caleb Hammer? So relied on his income heavily?
4:26 Speaker 03 No, I was paying for it, but like my expenses were not as much as they are when I have to do it all on my own.
4:31 Caleb Hammer? Because you were relying on, yeah, him to split bills and whatnot?
4:34 Speaker 03 Yeah, okay, yeah, I guess.
4:36 Caleb Hammer? So, yeah, so when was the breakup, then?
4:38 Speaker 03 May of 22.
4:39 Caleb Hammer? So why wouldn't you adjust within three years over at this point, three years over three years? The fact that, oh, bills are a little more expensive.
4:48 Speaker 03 Um, well, we had like a really nice house and so I had to change my lifestyle and I didn't want to do that. I thought I could afford more than I did.
4:58 Caleb Hammer? What did you think you could afford?
5:00 Speaker 03 I don't know.
5:01 Caleb Hammer? You don't know?
5:02 Speaker 03 Well, I knew that I could afford.
5:03 Caleb Hammer? What was your job at that time?
5:05 Speaker 03 Well, I was still in tech at that time.
5:07 Caleb Hammer? Tech's usually money, but you're saying you're making more as a bartender now?
5:10 Speaker 03 Okay, so I was, the first tech job, I was only making like 36K a year. And then I started another job, I was making about 65.
5:22 Speaker 03 Don't yell at me.
5:22 Caleb Hammer? You are not scraping by. I just got a note. Okay. Hey, what happened a few days ago?
5:29 Speaker 03 What happened a few days ago?
5:32 Speaker 03 What do you mean?
5:32 Caleb Hammer? In your own personal life, you don't know? You got evicted?
5:38 Speaker 03 She asked me to leave or get rid of my dogs. And I was like, well, I'm not getting rid of my dogs.
5:42 Caleb Hammer? So it wasn't a financial thing?
5:44 Speaker 03 No, it wasn't a financial thing. She didn't want the dogs there anymore.
5:47 Caleb Hammer? Okay, so that's also gonna put you in a weird situation, right?
5:50 Speaker 03 Yeah.
5:51 Caleb Hammer? What is your living situation about to be?
5:54 Speaker 03 Um, so I just moved into a different place.
5:57 Caleb Hammer? Okay.
5:58 Speaker 03 Same area.
5:58 Caleb Hammer? Rent stayed the same?
6:00 Speaker 03 Cheaper.
6:01 Caleb Hammer? Okay.
6:02 Speaker 03 So that was good, right?
6:03 Caleb Hammer? Guess that's not bad. I guess.
6:04 Speaker 03 Yeah, it's like $300 a month cheaper.
6:06 Caleb Hammer? I mean, it sucks to move.
6:08 Speaker 03 Yeah. And make deposits every couple of months.
6:11 Caleb Hammer? Well, that sucks and it's still expensive to move specifically, but okay. So what is going on right now? What are we talking about?
6:19 Speaker 03 Um, the main thing is I feel like I'm scraping by because I'm trying to pay off all of this debts.
6:25 Caleb Hammer? Why did you accrue the debt specifically in your own recollection, your own? What's going on in your life, you know?
6:32 Speaker 03 After my life fell apart in 2022, I just was trying to go out and have fun and do things.
6:40 Caleb Hammer? And you're not anymore?
6:41 Speaker 03 Um, I still do a little bit, just not on credit cards.
6:43 Caleb Hammer? Not on credit? You don't spend anything on debt?
6:46 Speaker 03 I don't.
6:46 Caleb Hammer? What was your other? What the?
6:48 Speaker 03 Can't put anything.
6:48 Caleb Hammer? Other large purchases? We had $3,823. All your credit cards are in collections?
6:53 Speaker 03 Yeah.
6:54 Caleb Hammer? Is all your debt in collections?
6:56 Speaker 03 Not all of it. A lot of it, though, the big ones.
6:58 Caleb Hammer? Why?
6:59 Speaker 03 Because I wasn't paying on it because it racked up so much that I couldn't even make the minimum payments.
7:04 Caleb Hammer? I mean, going out to eat alone was $500 last month, but again, other large purchases? It's almost $4,000.
7:11 Speaker 03 $500 is less than I thought it would be actually.
7:13 Caleb Hammer? Right. And that's you fixing it?
7:17 Caleb Hammer? That's you getting it under control?
7:20 Speaker 03 I guess.
7:22 Caleb Hammer? Okay. Well, you had a miscellaneous bull and $300.
7:27 Speaker 03 Miscellaneous bull?
7:28 Caleb Hammer? Yeah, just like it could be, I don't even know what it is yet. It could be Spotify premium. It could be Xbox gives. I don't know what you do. I haven't been through your finances.
7:35 Speaker 03 My money I do know outside of bills.
7:37 Caleb Hammer? And we know you got $30,000 of bad debt.
7:40 Speaker 03 Yeah.
7:42 Caleb Hammer? Yeah. Oh, okay. And then, okay, sure. Maybe it wasn't a technical eviction, but it looks like you owe two previous landlords a ton of money.
7:50 Speaker 03 Yeah.
7:51 Caleb Hammer? For what?
7:52 Speaker 03 Um, those were also dog related.
7:54 Caleb Hammer? What are you doing with these dogs? What are you talking about? I've never had an issue with dogs.
7:58 Speaker 03 Yeah. Well, one of them I got when he was eight and so, and he was not like super well trained. Um, like he's sweet, but he, he likes to eat holes in walls.
8:08 Caleb Hammer? Well, that's not good. I don't think if you
8:10 Speaker 03 And I've
8:11 Caleb Hammer? If it's not your property.
8:13 Speaker 03 Yeah, no, it's not ideal.
8:15 Caleb Hammer? We could also do training.
8:18 Speaker 03 Mm-hmm.
8:19 Caleb Hammer? How many times have you moved this year?
8:21 Speaker 03 Three.
8:21 Caleb Hammer? This year, three times?
8:23 Speaker 03 Yeah, so I was in my first apartment. I moved in in January and then moved into the house that I just moved out of.
8:29 Caleb Hammer? Cause that can't be cheap. Having to constantly move all your [BLEEP]. How many dogs you got?
8:35 Speaker 03 Just two.
8:35 Caleb Hammer? But one just endlessly destroys things?
8:38 Speaker 03 He has anxiety.
8:39 Caleb Hammer? Great, so he needs to be kennel chained. No, that's on you.
8:42 Speaker 03 Well, I put him in a kennel. At one point, he broke out of it.
8:45 Caleb Hammer? You have to get a better kennel. This is on you.
8:47 Speaker 03 I looked into a better kennel.
8:48 Caleb Hammer? You are the dog owner!
8:49 Speaker 03 I know, but I looked into a better kennel, though. Like indestructible ones are like a thousand dollars.
8:53 Caleb Hammer? Yeah, and how much have you spent on moving this year?
8:56 Speaker 03 It's...
8:56 Caleb Hammer? Shut the [BLEEP] up.
8:57 Speaker 03 Well, okay. I don't want to put them in a kennel.
9:00 Caleb Hammer? Want to? Then you can't manage them correctly. Then you are not a responsible dog parent.
9:05 Speaker 03 Okay. You haven't met my dogs.
9:08 Caleb Hammer? Uh, but you've been kicked out constantly because they're chewing holes in walls and you're not able to either train, or sedate, or get any kind of kennel training. Kennel training, you don't want to. Kennel training is actually a very healthy and normal, good thing for a dog. Kennel training.
9:24 Speaker 03 But it's, I mean, I feel like it's kind of cruel to have a 12-year-old dog that has never been in a kennel and then suddenly put him in a kennel.
9:30 Caleb Hammer? First of all, you said eight.
9:31 Speaker 03 Well, I have a nine-year-old and a 12-year-old.
9:34 Caleb Hammer? And the 12-year-old's the one that's breaking the world?
9:36 Speaker 03 Yes, I got him when he was eight.
9:37 Caleb Hammer? Okay, and it's unfair to keep moving them and them potentially eating dangerous hazardous materials by chewing in the wall? That's a good thing?
9:46 Speaker 03 I mean...
9:47 Caleb Hammer? I mean, my dog, I've had to do like three surgeries because she keeps eating things that dogs shouldn't eat. And she has to wear a muzzle when she's not in sight of me, direct sight?
9:56 Caleb Hammer? Well, that's humane of just keeping her alive.
9:58 Speaker 03 Okay, but I also don't want them getting hurt when they're getting, if they're able to get out of the kennel.
10:04 Caleb Hammer? They wouldn't be in that good kennel you just talked about. Or have a dog sitter, something.
10:11 Speaker 03 Okay, but that, okay.
10:12 Caleb Hammer? You're right, you probably couldn't afford that, but you have to do something. All you've done is given up and you just allow them to destroy every apartment you're in. And clearly, that is not an option that is working.
10:20 Speaker 03 Like, spend a lot more time at home, take them out more, it's a thousand...
10:22 Caleb Hammer? No matter what you work.
10:24 Speaker 03 Yeah.
10:25 Caleb Hammer? And bartending is not remote.
10:26 Speaker 03 Right.
10:27 Caleb Hammer? So you will be leaving the house regardless. How many hours a week do you work?
10:30 Speaker 03 Forty.
10:32 Caleb Hammer? So spending more time at home is you're just saying you're not going out and hanging out with friends as much, which you have 40 hours a week at work.
10:38 Speaker 03 Well, yeah, I mean, like I work long days, Saturdays and Sundays, but Monday, Tuesday, I'm off with them. I take them out.
10:43 Caleb Hammer? Congratulations. You still have 40 hours a week at work that we are not actually fixing.
10:49 Speaker 03 Okay, so.
10:51 Caleb Hammer? So we're gonna move a fourth time this year here in a little bit.
10:54 Speaker 03 I hope not.
10:54 Caleb Hammer? Well, with your pattern, probably.
11:00 Caleb Hammer? This is irresponsible dog parenting and it's irresponsible tenetine.
11:06 Speaker 03 Okay.
11:07 Caleb Hammer? You disagree? How? You're getting kicked out of places endlessly, left and right.
11:15 Speaker 03 Okay, well.
11:16 Caleb Hammer? You're definitely not in a position to buy a property, that's for sure.
11:19 Speaker 03 Oh, God, no. They didn't use to.
11:23 Caleb Hammer? Care if their walls got destroyed?
11:24 Speaker 03 No, no, no, they didn't use to do that. Like when I had like two through walls.
11:28 Caleb Hammer? Congratulations, they do now and you have to figure it out.
11:33 Speaker 03 Okay, I will. I just.
11:35 Caleb Hammer? You haven't. No, you've been kicked out, moving place to place.
11:37 Speaker 03 Okay, well, yeah, well, maybe I'll just fix it now, I guess, but they. It's also hard to get them out and like get their energy out when it's 1,000 degrees out here.
11:49 Caleb Hammer? And yet the rest of us do it.
11:51 Speaker 03 Okay, well.
11:52 Caleb Hammer? Guess who else has two dogs? Large dogs, very energetic dogs. In fact, the breed that need to run and zoom and go crazy.
11:59 Speaker 03 Okay, but like it's also really hard to like get them out to a place like I, as you will see, I do not have a vehicle, so.
12:05 Caleb Hammer? Uber in with dogs. We've done it.
12:09 Speaker 03 I know, and I do that with them whenever I can.
12:11 Caleb Hammer? There we go. I have solved your issue.
12:13 Speaker 03 It's also more expensive to Uber with dogs.
12:15 Caleb Hammer? It certainly is, but you have no method of transportation. Shut the up.
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12:50 Speaker 03 Okay, well, I'll take them.
12:53 Caleb Hammer? So you're just incapable of doing anything? Because all I hear is, "I can't, I can't, I can't, I can't."
12:58 Speaker 03 Well, okay, when I'm like running out of money into like, I'm like, I have to Uber to work.
13:01 Caleb Hammer? Why are you running out of money? If everything's in collections, your minimum payment should be relatively low.
13:05 Speaker 03 Well, I'm paying everything, so I, it's like a debt relief thing, so I pay all one payment.
13:10 Caleb Hammer? That's different. What's that payment?
13:12 Speaker 03 Five forty-four a month.
13:13 Caleb Hammer? Okay, so that's, still, you're totally fine, four thousand one hundred and sixteen dollars a month net. But what's your issue? What's your rent number?
13:20 Speaker 03 Eight seventy-five.
13:21 Caleb Hammer? Shut the [__] up. What is your problem?
13:23 Speaker 03 Paying deposits.
13:24 Caleb Hammer? Again, it's, "I can't, I can't, I can't, I can't" on everything. That's all you are.
13:30 Speaker 03 Yeah, I mean, I do know that most of my money goes into, like, going out and, like, having drinks.
13:37 Caleb Hammer? Uh-huh. Now, if a lot of this accrued because you wanted to live the same lifestyle that you're living with this guy before you guys broke up, I mean, that means we were probably splitting things. How far were you in this relationship if you were this splitting of bills and finances potentially combined and whatnot?
13:53 Speaker 03 Four years we were engaged.
13:55 Caleb Hammer? You were engaged?
13:56 Speaker 03 Yeah.
13:57 Caleb Hammer? Engaged and it ended? Who ended it?
13:59 Speaker 03 He did, five months before the wedding. I don't know, he's, I don't know.
14:02 Caleb Hammer? Oh, come on, no, for what?
14:03 Speaker 03 I, I honestly, he [__] and stuff all the time, so like, I don't, like, there's not like a-
14:08 Caleb Hammer? So because you were miserable to be with, or he was miserable to be with, or he was miserable being around you, I don't know?
14:13 Speaker 03 I was not miserable to be with.
14:14 Caleb Hammer? Okay, but you guys were fighting all the time and he left. So he may have found it, whether or not he was correct or not, miserable.
14:20 Speaker 03 Yeah, he's a miserable person to be, so I shouldn't be miserable with anybody.
14:24 Caleb Hammer? Yeah, I mean, I'm sure you're a little petty that someone broke up with you five months before marriage. So it's a little hard to take your word as a hundred percent truth.
14:33 Speaker 03 Okay, well, I have the screenshots to prove it, but whatever.
14:35 Caleb Hammer? Again, it's the ex-employee that gets fired that always comes out and says the business they worked for was trash.
14:40 Speaker 03 Okay.
14:40 Caleb Hammer? Not the person who leaves their own will.
14:43 Speaker 03 I try to make it work. I bought a hot tub.
14:50 Speaker 03 I thought it was working. I thought it was gonna be fine. I wouldn't have bought a hot tub to put in a house that I didn't own. But he wanted a hot tub. And I had, at the time, had better credit.
15:02 Speaker 03 Cause I didn't have debt.
15:04 Caleb Hammer? Okay, what was your debt even going into?
15:06 Speaker 03 Um, the reason that all the credit cards were maxed out was because I was going out a lot more.
15:12 Caleb Hammer? Was it cope?
15:13 Speaker 03 What?
15:13 Caleb Hammer? Was it cope? Oh no, my fiance that was about to marry me?
15:16 Speaker 03 Yeah.
15:17 Caleb Hammer? You're still coping. Look, look how you just talked and then you said you had proof and then you didn't give us any proof. Look, I mean, this is, I feel like you're still.
15:23 Speaker 03 I mean, I'm not gonna pull up screenshots of past texts from an ex, but you can not believe me if you want, but.
15:30 Caleb Hammer? No, it's not that, but it's like, are you the reliable source, right? Again, it's the ex employee that got fired, essentially.
15:36 Speaker 03 Okay.
15:36 Caleb Hammer? So, again, and I don't necessarily need that, but if, if we're having this conversation, we're talking about how my life fall apart after the breakup, but oh, he's the piece of even though he's the one that chose to left. It's like, you know, I'm just trying to get a little nuance in the conversation. And understand things. It's not like you were required to show. I'm not saying that, but then like, you know, where's my mind supposed to believe, right?
15:56 Speaker 03 I mean, I'm the one sitting in front of you. You can believe me or you can believe this person that you've never met.
16:02 Caleb Hammer? I, I don't even know what he would say. What am I believing he would say?
16:05 Speaker 03 He would, he would be sitting here saying that, oh, she's crazy, blah, blah, blah. And then he would also make up all the about.
16:10 Caleb Hammer? But he is still the one who chose to leave.
16:12 Speaker 03 Yeah. And then even after the breakup, he told everybody, he's like, yeah, she got all of our wedding back, our wedding money back and got her boobs done. No, we got nothing back. We got zero pennies.
16:20 Caleb Hammer? Oh, and you got your boobs done?
16:21 Speaker 03 I got my boobs done before we broke up.
16:23 Caleb Hammer? Like right before?
16:24 Speaker 03 Like two months. Yeah, two months before. And I financed that.
16:28 Caleb Hammer? Well, you guys is not like on the same page in life?
16:32 Speaker 03 I was a little caught off guard, so like, I knew we were fighting, but I was like, oh, well, like, we're engaged. It didn't seem anything abnormal. You've never been yelled at in a relationship?
16:43 Caleb Hammer? Yelled at?
16:44 Speaker 03 In a relationship, yeah. And.
16:46 Caleb Hammer? Not yelled. I've also never yelled in a relationship.
16:50 Speaker 03 Okay. Well, congratulations. You're one of the special ones, I guess.
16:54 Caleb Hammer? I, I don't, I don't think so.
16:56 Speaker 03 You've never yelled?
16:57 Caleb Hammer? No.
16:58 Speaker 03 Okay.
17:00 Caleb Hammer? No, I have very appropriate conversations and heated arguments when I'm dating and love someone and it's not in this show.
17:08 Speaker 03 Regardless, my, I made, I made financial decisions and then got out of that and.
17:15 Caleb Hammer? Now, how much did you guys lose not going through the wedding?
17:18 Speaker 03 About 10 grand.
17:19 Caleb Hammer? Out of whose wallet?
17:21 Speaker 03 Both of ours.
17:22 Caleb Hammer? Well, like split down the middle, five?
17:23 Speaker 03 Yeah. We've started working, we're both in tech, started bartending on this side. So that.
17:29 Caleb Hammer? Was a part of that in collections?
17:31 Speaker 03 No.
17:32 Caleb Hammer? Now, if someone's response to being broken up with an engagement thing, which don't get me wrong, I know I'm being a little hard on you right now, but I, I would be torn up too. I'd be very sad. The only reason I went hard on it is because after he broke up with you, you were like, he's the piece of, it was like, uh, but either way, that's the only reason I went hard to be clear. So you cope spend drinking, going out, is being in a bartending setting the appropriate place to be in for the last three years post breakup? If that's where you also cope spend and exist?
17:59 Speaker 03 Well, it actually makes me want to go out less.
18:02 Caleb Hammer? Okay.
18:03 Speaker 03 I mean, at first I was going out to cope, but.
18:06 Caleb Hammer? Now, what is this note that I have that paid for her ex's trip to Mexico right before your ex broke up with you?
18:12 Speaker 03 That was for his birthday.
18:13 Caleb Hammer? Whose birthday?
18:14 Speaker 03 His birthday.
18:15 Caleb Hammer? So the ex fiance?
18:16 Speaker 03 Yes.
18:17 Caleb Hammer? You paid for his trip right before he broke up with you?
18:19 Speaker 03 Yeah, a good chunk of that.
18:21 Caleb Hammer? That sucks. A good chunk of it? How much did you spend on it?
18:24 Speaker 03 I spent, between the two of us, I spent like about 2,000 between like fights. I mean, it was.
18:31 Caleb Hammer? Where are you going?
18:32 Speaker 03 Cabo.
18:33 Caleb Hammer? Fake boobs in Cabo, hand in hand?
18:35 Speaker 03 It was right before the boobs.
18:37 Caleb Hammer? At least you won't sink.
18:41 Caleb Hammer? So before getting into these finances, you know, a big part of this conversation, I have to feel like is like, you have no way to get around, and we do not live in a walkable city by any means, and the public transportation is a little iffy. I know what part of town you live in, you have access to some bus lines, even one train line to downtown. But even still, what, what, like, how are we getting around places? What are we spending on this? Have you tried to get a car? What's going on?
19:03 Speaker 03 Yeah. So I Uber everywhere. My boyfriend will pick me up and do, help out anytime that he can, but he also works two jobs.
19:11 Caleb Hammer? And if he leaves you, is he a horrible piece of?
19:13 Speaker 03 No, he's great.
19:15 Caleb Hammer? Until he leaves.
19:16 Speaker 03 If we were to break up, it would probably be on me. But, um, see, I'm a reliable source. But no, so I Uber a lot.
19:25 Caleb Hammer? What?
19:27 Speaker 03 I Uber a lot. He helps me out when he can. Um, I don't want to rely on that. So like if you're looking-
19:33 Caleb Hammer? How often does he help you out?
19:34 Speaker 03 Um, at least a couple of times a week trying to get to work. And then if like when we both have a day off, he comes and picks me up and then we go hang out and then he brings me home.
19:43 Caleb Hammer? Okay. And how much are you spending on Uber?
19:46 Speaker 03 A lot. So all like in my bank statement, so my Uber comes out through my Venmo. And so everything that says Venmo is pretty much all Uber.
19:54 Caleb Hammer? Okay. And when's the last time you had a car? Do you want a car?
19:58 Speaker 03 Yes, obviously I want a car. Last time I had a car is about a year ago. I couldn't make the payments.
20:06 Caleb Hammer? You got repo'd. You got-
20:08 Speaker 03 Yeah, it was like $615.
20:10 Caleb Hammer? I went down this conversational train.
20:12 Speaker 03 Okay, well-
20:13 Caleb Hammer? Oh, for [bleep] sake, I knew-
20:14 Speaker 03 I was trying-
20:15 Caleb Hammer? The fact that you didn't have a car, I knew there had to be a reason. Listen, in Austin, everyone has a car. Oh, for [bleep] sake, what happened?
20:22 Speaker 03 I know a lot of people that don't have cars.
20:25 Caleb Hammer? I know one person, but okay, different lives, that's fine. Okay, they got repo'd a year ago. Well, you're three years into your better paying job. What the [bleep] happened? Cause this is all, this is the-
20:35 Speaker 03 Well, I mean, that's the credit score. It makes it really hard to get a proof for another car.
20:38 Caleb Hammer? But what happened with this repo?
20:40 Speaker 03 I couldn't make the payments. What do you think happens with the repo?
20:43 Caleb Hammer? I'm asking why? Cause you were still making about 4,000 dollars a month. What the [bleep] are you talking about?
20:48 Speaker 03 Trying to pay off other debt and so to like try to-
20:50 Caleb Hammer? Was that during the consolidation?
20:51 Speaker 03 Also-
20:52 Caleb Hammer? Not the consolidation, the debt relief program?
20:54 Speaker 03 That was before the debt relief program.
20:56 Caleb Hammer? What was your minimum monthly payments at the time in your debt?
20:58 Speaker 03 Um, I don't remember. It was a lot and it just like kept occurring interest. Now that it's in collections, it's not occurring interest, right? I don't think it is. So yeah, I was trying to make the payments and then I also had, still had like my apartment, where I have lived has gotten cheaper progressively, like consistently over the last three years. Like I'm in the cheapest place I've lived because I've had to have a humility check and go a little-
21:27 Caleb Hammer? Have you tried to apply for any car loans or anything?
21:29 Speaker 03 So I did like a month ago and they, I mean, obviously with repo and like bad credit, it's going to be difficult. And then they had one, they tried for like seven banks, one approved me somehow. And then as I was waiting on the paperwork, the bank, they came back, they're like, oh, the bank pulled out. And I was like, why? And then they're like,
21:48 Caleb Hammer? Yeah, because you're way too risky of a borrower. I used to track my budget with a spreadsheet and by track, I mean ignoring until my account was screaming for help. Then I found Rocket Money. Today's sponsor Rocket Money is a personal finance app that helps you manage subscriptions, lower your bills, build a budget and even save all in one place. I personally use it to cancel subscriptions I don't even remember signing up for. Like, do I really need two food delivery app subscriptions? With just a few taps, Rocket Money showed me everything I'm subscribed to and let me cancel the ones I didn't want. It even tries to give you a refund if possible. So let's talk bills. Rocket Money can negotiate to lower things like your internet or phone. No customer service calls from your end. You just upload your bill and let their team go to work. Take control of your finances today.
22:32 Caleb Hammer? Go to rocketmoney.com/caleb or click the link in the description to get started for free.
22:36 Speaker 03 Well, and they said that their reasoning was because I had spent too much money the month before. And I'm like, oh, well, that was when I moved. So I made like $1,700 in deposits and paid rent. So like I spent like $3,800.
22:51 Caleb Hammer? Why didn't you go back a month later?
22:52 Speaker 03 That's the plan is to do that.
22:54 Caleb Hammer? This just happened?
22:55 Speaker 03 Yeah, that was like a month ago.
22:56 Caleb Hammer? When you got approved and then it's, What were you approved for? What did that loan look like?
23:00 Speaker 03 It was, the car was like 20K and the payments would have been like 500.
23:04 Caleb Hammer? Oh, I just sold the payment term like eight years, okay? Interest rate?
23:09 Speaker 03 Uh, we did not get that far.
23:10 Caleb Hammer? Well, I, well, what's your credit score?
23:12 Speaker 03 Bad.
23:13 Caleb Hammer? What's your credit score?
23:14 Speaker 03 I like 580.
23:15 Caleb Hammer? Okay, her interest rate's gonna be like 20%. What are we doing? Hey, you make a strong.
23:21 Speaker 03 Like, I'm gonna, like, it's better than Ubering everywhere.
23:25 Caleb Hammer? To a point, not necessarily. You make money while your overhead is relatively decently low. You could save up and get a 10,000 hour car, 5,000 down, down on a 10,000 hour car.
23:38 Speaker 03 Okay, I have to have something safe. Like, I have to have something safe.
23:41 Caleb Hammer? Huh? Yeah, that's why I said a 10,000 hour car and not a 5,000 hour car, you tit.
23:45 Speaker 03 Yeah, but like, not, not as new car. Like, I'm always worried about breakdown. I don't know shit about cars.
23:49 Caleb Hammer? Buddy, my 2018 Jeep Cherokee, very good car. Stellar condition, no issues whatsoever, is valued at $12,000. You can get a 10,000 hour car.
23:59 Speaker 03 All right, well, then sell it to me.
24:00 Caleb Hammer? No, I gave it to my brother.
24:02 Speaker 03 Okay.
24:02 Caleb Hammer? Yeah, I like him more. Who would have thought?
24:04 Speaker 03 Okay, well, he sounds lovely. But anyway, couldn't get approved for the car. I don't even know what the interest rate would have been because we didn't get that far in the paperwork. So I'm gonna try to do it again. But the reason that they-
24:14 Caleb Hammer? Twelve to twenty, by the way. You're borderline subprime. You're a subprime borrower.
24:19 Speaker 03 Yes, I know. I knew it was gonna be risky. I didn't even really wanna do it, so I didn't want all the hits on my credit even further. But the reason they said is because I spent too much money the month before with like, all the deposits and everything. And I'm like, well, yeah, I just moved. And so I'm gonna try to do that again this month, maybe next month, because I just moved again. But I didn't pay nearly as much.
24:38 Caleb Hammer? Well, you are subprime. No, you're subprime. Yeah. Listen, with them being the only one that accepted you, this is gonna be a predatory rate, and they wanted that term to be as long as possible, so they could just accrue that interest.
24:49 Speaker 03 But if I can get a, even if it's a long term, isn't that better than not having a car at all?
24:53 Caleb Hammer? At twenty percent? No, you probably save more money on Uber and saving up as much money as possible, putting five thousand on a ten thousand hour car, and then aggressively paying off the second thousand. Listen, and you'll probably get a used car, you're sitting at, right around now, what we're seeing with Vantage Score in the first quarter of this year, you're likely at a nineteen percent interest rate. That's what we're seeing on average for someone with your credit score. Nineteen percent. That is double the returns you get on average in the market, all up years and down years combined.
25:23 Caleb Hammer? I'm gonna let you know, summarize what that means.
25:27 Speaker 03 Okay.
25:28 Caleb Hammer? That is, then you almost did it at twenty thousand?
25:31 Speaker 03 Okay, maybe that wouldn't have been a good call. But I still think it would be better than not, than having Uber.
25:37 Caleb Hammer? How? Make that make sense to me.
25:39 Speaker 03 Well, first of all, like, if I don't have enough money, like, if I, I get paid every week, and then if I don't have any money to Uber, then I need a car to get to work.
25:48 Caleb Hammer? But you're able to make it work right now. How far away are you from work?
25:52 Speaker 03 It's like twelve minutes, maybe like-
25:53 Caleb Hammer? Bike!
25:54 Speaker 03 Okay, down thirty-five? Hell no.
25:57 Caleb Hammer? No, but I've seen people bike through the neighborhoods. Come on, you can.
26:00 Speaker 03 But then, I don't wanna bike up at night.
26:02 Caleb Hammer? So you're likely at a sixty-four-ish month loan. You're, you're probably at like, a five to six year loan. You're gonna be paying a total of thirty-two thousand dollars on this twenty thousand hour car. It's horrible. Are you, by the time you save up five thousand dollars, spending twelve thousand dollars on Uber? I doubt it. That is the math difference that we are doing.
26:21 Speaker 03 Okay, I appreciate the mansplination, but like, I understand-
26:24 Caleb Hammer? That's not mansplaining, that's math-splaining, you dumb-
26:28 Speaker 03 Okay, well, I was trying to make a decision and you don't like it, that's fine.
26:33 Caleb Hammer? I don't like it, Matt doesn't like it. Who gives a f**k about me? Matt doesn't like it. What's your average Uber cost to and from work?
26:43 Speaker 03 Um, one way is like $12 or $13. So it's like $25 a day, five times a week.
26:49 Caleb Hammer? Uh huh. So that is 480...
26:55 Speaker 03 A month.
26:56 Caleb Hammer? 480 trips.
26:57 Speaker 03 480, oh, per...
27:00 Caleb Hammer? And you work how many days a year? How many days a week, sorry?
27:04 Speaker 03 Five.
27:05 Caleb Hammer? Okay, so that is 96 weeks.
27:06 Speaker 03 But that's not also, that's not the only place I have to go.
27:09 Caleb Hammer? That is two years' worth of Uber trips. I know, but also the boyfriend steps in, so I know you don't Uber to and from work every single time. Because the boyfriend also steps in, that's probably about three years of work trips. I guarantee you, with your income and your overhead, we can get to $5,000 saved up well before then, well before then. And I'm sure we can prove that in the end.
27:28 Speaker 03 Okay.
27:29 Caleb Hammer? That is the math difference, not mansplaining.
27:33 Speaker 03 Well, I also, like, A, he's not able to take me as much anymore because he just started a second job, and I also don't want to rely on...
27:40 Caleb Hammer? It's not relying.
27:41 Speaker 03 I don't want to rely on another person.
27:43 Caleb Hammer? She's not relying on me, I like to help her out. She likes to help me out, I'm not relying on her.
27:50 Caleb Hammer? That's not relying, what is this? You're not milking someone. Just because you got mommy milkers doesn't mean you're always milking someone.
27:55 Speaker 03 That's how I got the boyfriend.
27:58 Caleb Hammer? Some of them like them fake, some of them like them fake, and you're likely, you're lucky they can't repo those, so...
28:03 Speaker 03 It's the one thing they can't take from me. Cut them out of me.
28:08 Speaker 03 That's why I stopped making the payments. What are you gonna do?
28:10 Caleb Hammer? Can you pull up your Uber app?
28:12 Speaker 03 Alright, what do you want to see?
28:13 Caleb Hammer? I don't really use Uber that much, here we go.
28:16 Speaker 03 Must be nice.
28:17 Caleb Hammer? It is nice, absolutely. Bought my car in cash, saved up for it. I was an adult.
28:22 Speaker 03 Congrats.
28:23 Caleb Hammer? Thank you.
28:25 Speaker 03 What's it like to be God's favorite?
28:26 Caleb Hammer? Good. Good time.
28:29 Speaker 03 Yeah.
28:29 Caleb Hammer? There's also some discipline in there.
28:34 Caleb Hammer? That's how I got my Jeep before I made any YouTube money, which was much more expensive than, I think it was like 25, 26, 27,000 a few years ago.
28:43 Speaker 03 Listen, I made some bad financial decisions when it came to credit cards and cars.
28:48 Caleb Hammer? The most recent thing on here is seven items being Uber eaten to her house from Taco Bell.
28:54 Speaker 03 Yeah.
28:54 Caleb Hammer? Yeah, fuck you. That's a bad financial decision right now.
28:57 Speaker 03 I knew you were gonna pull that up and see that and you were gonna rip me a new one for that.
29:01 Caleb Hammer? Well, no.
29:02 Speaker 03 I was hungry and I'm not, I can't drive to Taco Bell.
29:04 Caleb Hammer? Huh, if only you had a kitchen.
29:07 Speaker 03 Yeah, but I just moved. I don't have any food in there.
29:10 Caleb Hammer? You should have stopped at HEB on the way.
29:12 Speaker 03 I got off work late last night.
29:14 Caleb Hammer? Buddy.
29:15 Speaker 03 HEB was closed.
29:16 Caleb Hammer? This is so stupid. When did you move?
29:18 Speaker 03 Sunday.
29:19 Caleb Hammer? Fuck you. That was what, five days ago, four days ago? There's more days in between then than just last night. Fuck you. This is excuses. It's with you, you are an endless, I can't, I can't, I can't, I can't. And you can be on Financial Auto by going to CalebHammer.com/apply. Come be on the show.
29:36 Speaker 03 It's a blast.
29:37 Caleb Hammer? It is. It is a good time. The Uber trips to work are a lot less than you're suggesting, by the way. They're averaging about 10 bucks, so that even changes the math more. Lots of Taco Bell being Uber-eated constantly. While I'm on here, let's see.
29:53 Caleb Hammer? Oh, you're a redditor. Nah, this makes sense with your personality.
29:58 Speaker 03 I use Reddit the least out of all social media. Oh, my God.
30:02 Caleb Hammer? Let's see, what is she doing?
30:03 Speaker 03 It's a lot of the Austin Beer scene.
30:05 Caleb Hammer? Not surprised. See her subscriptions. Apple Care Plus, Apple Music, iCloud Plus, and Peacock? Peacock?
30:15 Speaker 03 Love Island is on there.
30:16 Caleb Hammer? Love Island's done. Love Island's been done.
30:19 Speaker 03 I know, but there's other good stuff on there, too.
30:21 Caleb Hammer? Okay, there it is.
30:23 Speaker 03 My Hulu subscription.
30:24 Caleb Hammer? Buddy, there's trash TV everywhere. You're on one right now.
30:28 Caleb Hammer? Come on.
30:29 Speaker 03 It's a dream come true.
30:31 Caleb Hammer? Okay, let's get into these finances. But before we get into the finances, I want to hear what you think your financial score would be. All of your finances, worst to best, zero being the worst, 10 being the best, where do you think you stand?
30:42 Speaker 03 Three.
30:43 Caleb Hammer? You have collections.
30:45 Speaker 03 Yeah.
30:46 Caleb Hammer? If you want your Hammer Finance.
30:47 Speaker 03 I'm paying on them and my income's not bad.
30:50 Caleb Hammer? Okay, two? What do you think it is? Ladies and gentlemen of Financial Audit, this is one of the most exciting moments in this channel's history. You know, I've been working on building all these educational tools, our budgeting app, all this crazy stuff of this past year, because that is where my passion is. We finally did it, and now we put it all into one program called Dollar Wise Central. You get the premium version of my budgeting app. You'll get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner stuff, and finance, all the way to the advanced stuff, collaborated by experts with the lowest refund rate in the industry for a reason. And guess what?
31:33 Caleb Hammer? If you are struggling, or you want to learn more, or you want to change your life in any way whatsoever, like literal tens of thousands of people have done with our programs, go to dollarwise.com. Click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no-brainer. Dollarwise.com. Let's go! If you want your Hammer Financial Score, it is free. Take the assessment, see where you stand in the world of finances, see where you can improve, see where you're failing. Go to CalebHammer.com. Take it, take the score, and take the quiz. And if you don't want to be like a guest who ends up on this show? One, don't get fake boobs. Two, download the Dollar Wise Budgeting App, sign up for the free trial.
32:16 Caleb Hammer? If you like it, sign up for the annual version, save a lot of money, get the Budget Friendly Cookbook, signed by me, mailed directly to you. And if you want to also bundle it with all of our education, all in one, the premium thing you could ever possibly do to change your life, like over 50,000 people have done, Dollar Wise Central, 80% off now, go to dollarwise.com. All right! But get the fake boobs, it's worth it, they can't repo them. Who likes fake boobs? I'm sorry. Me. A lot of people. There you go. It's just, it doesn't work. It doesn't, it doesn't give the same.
32:47 Caleb Hammer? If you get them done, they do.
32:50 Speaker 00 At Edward Jones, we believe rich is more than caring about the latest and greatest. It's also taking care of what gives your life meaning. That's why your dedicated financial advisor meets you where you are, with personalized financial strategies that help protect what matters, so you can preserve your progress while creating a path forward. The key to being rich is knowing what counts. Let's find your rich, together. Edward Jones. Member SIPC.
33:21 Caleb Hammer? I don't know, I've squeezed plenty in my day.
33:26 Speaker 03 I'm so sorry for those women.
33:27 Caleb Hammer? It feels like a mouse pad.
33:29 Speaker 03 It feels like a mouse pad?
33:30 Caleb Hammer? Yeah.
33:32 Speaker 03 Okay. Touching some weird boobs.
33:34 Caleb Hammer? I guess so. Yeah, maybe you're the only ones with real, uh, real fake boobs. Do you get them done in the US?
33:41 Speaker 03 Yeah, in Austin.
33:43 Caleb Hammer? Patriotic boobs. Freedom boobs.
33:46 Speaker 03 Yeah.
33:48 Caleb Hammer? No tariff on those boobs?
33:50 Speaker 03 None at all.
33:52 Speaker 03 So worth it.
33:54 Caleb Hammer? Do I have a better natural rack than you had?
33:57 Speaker 03 No.
34:01 Caleb Hammer? Because I got some titties.
34:02 Speaker 03 I know.
34:03 Caleb Hammer? I'm not getting a boob job, though. Okay, I see money owed to boyfriend. Did he pay for those?
34:09 Speaker 03 No, he, uh, he helped me out, um...
34:12 Caleb Hammer? Okay, the producers really don't want to know how much they are. They're, they're feeding me so much boob things today.
34:17 Speaker 03 10K.
34:18 Caleb Hammer? It's all Lindsay. So many boob things. 10K?
34:21 Speaker 03 Yeah.
34:22 Caleb Hammer? For why? Just for fun?
34:24 Speaker 03 A good surgeon. I put like, I put like, I financed like eight. I put like 2,000 down.
34:29 Caleb Hammer? Oh, 8,000 in debt for boobs? Why? Why'd you even, why'd you even get them? They're not even paid off yet. Oh my...
34:37 Speaker 03 They're almost, they're almost paid. I only...
34:39 Caleb Hammer? Almost, but they're not.
34:40 Speaker 03 I owe like 500 dollars.
34:42 Caleb Hammer? Why'd you do this?
34:43 Speaker 03 I've wanted it since I was like 15.
34:45 Caleb Hammer? You've wanted fake boobs since 15?
34:48 Speaker 03 Yeah.
34:48 Caleb Hammer? For why?
34:50 Speaker 03 Because they look great. And I'm not having kids, so...
34:54 Caleb Hammer? What?
34:55 Speaker 03 I'm not having kids, so I don't have to like, you know...
34:56 Caleb Hammer? Does that affect that?
34:57 Speaker 03 Yeah, actually, you have kids, like, you wouldn't, you wouldn't want to wait until afterwards, so... I was like, well, I can do it whenever I want. And I thought I could afford it, but then my life got flipped upside down and... Yeah.
35:09 Caleb Hammer? Listen, I'm, I'm an all, I'm an all natural girly. Our translator, post shower, live streamer. You all know him, you love him. B-Dog or Triple B or Brandon loves fake boobs.
35:24 Speaker 03 What?
35:24 Caleb Hammer? Do we have, uh, the, the, the consent for this observation?
35:29 Speaker 03 No, I'm not pulling my shirt up.
35:30 Caleb Hammer? No, I'm for this, you dumb, for this.
35:35 Speaker 03 No, that is not why you're here.
35:36 Caleb Hammer? We're asking for consent to objectification.
35:39 Speaker 03 Fine.
35:41 Caleb Hammer? Are they worth 10K?
35:42 Speaker 03 You're, you're okay with that, right?
35:43 Caleb Hammer? Do we have permission?
35:44 Speaker 03 I only owe 500 left.
35:50 Caleb Hammer? Worth it. Okay.
35:54 Speaker 03 See? Good investment.
35:56 Caleb Hammer? Ooh, this episode's gonna get us in trouble. Okay.
35:59 Caleb Hammer? Remember, we have all the guest permission before we film and they get to say what we can't do before. And we don't ask it second time if they say they don't want to do something. Plus, we got extra permission there. Calm down Reddit and Twitter and TikTok. It's fine.
36:13 Speaker 03 If my parents are watching, I'm so sorry.
36:15 Caleb Hammer? Me too. Okay, so what is this money owed to boyfriend? This is current boyfriend?
36:20 Speaker 03 Current boyfriend.
36:20 Caleb Hammer? I'm assuming? Okay, so what is, what?
36:22 Speaker 03 She helped me pay-
36:23 Caleb Hammer? You owe 1,200.
36:23 Speaker 03 Yeah, so at first he helped me pay a deposit for an apartment and then-
36:28 Caleb Hammer? Come on, so you get kicked out left and right because you won't train your dog or do anything? And then your boyfriend has to come in and bail you out?
36:34 Speaker 03 I didn't ask him to, he offered.
36:36 Caleb Hammer? Well, he probably saw just that you couldn't do it, right? Could you have done it? How would you have done it without him?
36:41 Speaker 03 I would have figured it out. I always manage to figure it out.
36:45 Caleb Hammer? So, okay, let's pretend you're figuring it out right now. What would you have done right now?
36:49 Speaker 03 I would have either found a cheaper place to live or found, because I was to get into an actual apartment and live by myself.
36:55 Caleb Hammer? Wait, so this one isn't even the one you're in now? So you still owe him for a previous place?
36:59 Speaker 03 I started paying him off on, or pay-
37:01 Caleb Hammer? Oh! Sake.
37:05 Speaker 03 Okay, so I started paying him back on it and then I had to move again and then he's like, we have set up, he came up with, for everything that I owe him, he's like this.
37:14 Caleb Hammer? I'm glad he's tracking. How do you feel that he's tracking?
37:17 Speaker 03 I knew it would be tracks.
37:19 Caleb Hammer? That was agreed upon or you just knew?
37:20 Speaker 03 Yeah, and so like when I like would Venmo him, I'd be like, alright, here's 100 out of the 800 or then here's, now it's up to 200.
37:29 Caleb Hammer? It won't be on camera. Can I see a picture of this guy?
37:33 Speaker 03 You can roast me. He's got a mullet.
37:35 Caleb Hammer? That's okay. That's an average, I call them the everyman. The everyman either has a mullet with a mustache or a ball cap with a mustache. That is the everyman. It is 90% of the men in Austin. I'm halfway towards everyman.
37:49 Caleb Hammer? Oh.
37:51 Speaker 03 He's very nice to me.
37:52 Caleb Hammer? Well, he looks like a dealer.
37:55 Caleb Hammer? That wasn't the mullet I was expecting.
37:57 Speaker 03 Somebody said one time that he looks like Joe Dirt.
38:01 Caleb Hammer? Yes.
38:02 Speaker 03 He loved that. He was like, hell yeah, that's what I was going for.
38:04 Caleb Hammer? The everyman. He is just in fact a man. Okay.
38:09 Speaker 03 He's really cool. You would love him.
38:11 Caleb Hammer? Would I?
38:12 Speaker 03 Yeah.
38:13 Caleb Hammer? Okay.
38:13 Speaker 03 He loves your show.
38:14 Caleb Hammer? Oh.
38:15 Speaker 03 He got his finances in better order because of it.
38:17 Caleb Hammer? I'm making fun of your girlfriend's boobs.
38:19 Speaker 03 When I told him I was gonna be on here, he was like, are you sure? You might cry. I was like, I only cry when you talk to me about finances.
38:24 Caleb Hammer? You haven't been close yet?
38:26 Speaker 03 Huh?
38:26 Caleb Hammer? You haven't been close yet?
38:28 Speaker 03 No.
38:28 Caleb Hammer? Good. I never get women close.
38:30 Speaker 03 I could have guessed that.
38:32 Caleb Hammer? Me too.
38:35 Caleb Hammer? I'm a sprinter.
38:40 Caleb Hammer? This is a weird episode, sorry. Very goony episode. Okay. And people are gonna take it so literally out there.
38:46 Speaker 03 Talk a lot more about my boobs than the car situation.
38:48 Caleb Hammer? I know. You can tell what I'm interested in.
38:54 Speaker 03 Thought you hated, thought you hated fakes?
38:56 Caleb Hammer? I do. I'm just not really into them. But it's very topical. Plus Lindsay is this, Lindsay's a goon master today. She's feeding me so much boob stuff into the chat. Boob, boob, boob, boob, boob.
39:08 Speaker 03 Thank you. Worth it? Worth it?
39:10 Speaker 00 I think they're worth it.
39:12 Speaker 03 Same.
39:12 Speaker 00 You know what I love? I love when it's like an obvious job.
39:15 Speaker 03 Right. It's like, what's, why spend the money if you can't tell?
39:18 Caleb Hammer? I don't love an obvious BBL though.
39:20 Speaker 00 Agreed.
39:20 Speaker 03 I wouldn't get one of those. That's not worth the money.
39:24 Caleb Hammer? Okay. So the boyfriend, he's been tracking the 1200.
39:26 Speaker 03 Yes.
39:27 Caleb Hammer? Is there interest with this?
39:28 Speaker 03 No, unless he suddenly wants to one day, but no.
39:32 Caleb Hammer? Is there an agreed upon minimum monthly payment? How is this working?
39:35 Speaker 03 Yeah. So he just wrote it all out and was like, um, this was very recent. It's like 65 a week. I get paid every week and so 65 a week. So 612.
39:48 Caleb Hammer? Okay. What's the budgeting like?
39:49 Speaker 03 It's to pay it off in like a certain timeframe.
39:53 Caleb Hammer? Uh, that certain timeframe would be, oh, so that it's 282 dollars a month, which is quite chunky. I'll be honest for that kind of debt. It's like a four month payoff, five month payoff.
40:08 Speaker 03 Yeah.
40:08 Caleb Hammer? It's kind of chunky instead of putting more money into the other kind of debt. But okay. So what all has he also been giving you for? Cause it wasn't just that apartment.
40:16 Speaker 03 Yeah. So the rest of it was from a trip to Vegas. We went to Vegas.
40:25 Caleb Hammer? You had to borrow from him to go with him?
40:27 Speaker 03 Um, well, I paid for the flights.
40:31 Caleb Hammer? Is this relationship not weird? Why didn't he just gift it? Gift the trip?
40:35 Speaker 03 Well, because I ended up, I did not realize that a bill was coming out right before for the like, debt relief thing. And then there was also like a hold on my card once I got there. And so they wouldn't let me, it wouldn't, I don't know. Well, let me spend any money. So he covered everything and then just added it all up together to add to the 800.
40:59 Speaker 03 So he paid for everything.
41:00 Caleb Hammer? Okay, okay, it's weird. Well, how long have you guys been dating? It's a weird relationship.
41:04 Speaker 03 About nine months.
41:05 Caleb Hammer? I'll call him in the post-show. Nine months, okay. So that's why, I was gonna say, listen, if you're gonna move out and he's getting your security deposits, it's time to move in together, but nine months, okay. You know, maybe we're not ready for that yet.
41:14 Speaker 03 Yeah.
41:15 Caleb Hammer? You know, maybe we are. Some people move quicker, some people move slower. Actually, I've, you know, it's a weird situation, but my girlfriend and I moved in really quickly.
41:24 Speaker 03 I moved in really quickly with the last person, and I won't do that again.
41:29 Caleb Hammer? Yeah, but you guys did do five years, and you wanted to continue to make it work. He just didn't like you. Can I call him in the post-show?
41:36 Speaker 03 No.
41:38 Caleb Hammer? Money owed a friend. Why does you owe your friend $800?
41:42 Speaker 03 $700, and it was same kind of thing as the boyfriend, but earlier.
41:46 Caleb Hammer? What, the trip or the?
41:47 Speaker 03 No.
41:48 Caleb Hammer? So because...
41:49 Speaker 03 I know, I know, I know, I know.
41:51 Caleb Hammer? You get offended endlessly, not even this, and then you refuse to take care of the dog. Not only that, but then every time you move, you have to borrow from...
41:57 Speaker 03 Not every time.
41:57 Caleb Hammer? Oh, come on. Then how many times are you moving? Because every...
42:00 Speaker 03 The last two times, the most expensive one...
42:02 Caleb Hammer? How many times are you moving?
42:04 Speaker 03 The most expensive one, I told you how many times I've been this year.
42:07 Caleb Hammer? This year, this year. I'm talking about in general, how frequently are you having to move?
42:10 Speaker 03 Before that, I lived in an apartment for a year. Before that, I lived in an apartment for about a year.
42:16 Caleb Hammer? But then, instead of actually fixing the actual problem, it's just this endless cycle down, and it ends with borrowing from people close to you. Your friend, your friend, you don't want to borrow from a friend.
42:26 Speaker 03 I know, I didn't want to.
42:28 Caleb Hammer? But you did.
42:28 Speaker 03 I know.
42:29 Caleb Hammer? And you still owe him.
42:32 Caleb Hammer? How many months later?
42:33 Speaker 03 I don't remember exactly when that was.
42:37 Caleb Hammer? What is the agreed-upon payback with friend?
42:40 Speaker 03 There was, we didn't really like talk...
42:41 Caleb Hammer? Oh, for f*** sake, why, dude? Come on, why didn't we at least establish something out of any kind of responsibility or respect for your friend?
42:49 Speaker 03 I know, that's like, those two things are the most, like, out of the depths I know. Obviously, I didn't get things out of collections, but those are the most important things that I want to take care of first.
43:00 Caleb Hammer? And why haven't you? You make an okay income for relatively low overhead. I am confused why you have not paid them off. This doesn't make sense. This is not stacking up.
43:11 Speaker 03 I also don't feel like I spend that much money on stuff that I just.
43:13 Caleb Hammer? Oh, that's a good question. Let's see. How much money did you spend last month?
43:16 Speaker 03 Total? I mean, including Uber's and everything? I don't know. Probably, okay.
43:20 Caleb Hammer? Total across the board.
43:21 Speaker 03 Like with rent and everything, thirty, thirty-four, maybe?
43:25 Caleb Hammer? What?
43:26 Speaker 03 Thirty-four hundred maybe?
43:27 Caleb Hammer? Okay, uh, fifty-two hundred.
43:33 Caleb Hammer? I mean.
43:35 Speaker 03 Okay, um.
43:38 Caleb Hammer? I mean, um, um what?
43:42 Caleb Hammer? Oh, sure. Take a little peek.
43:44 Speaker 03 Okay, I spent, I spent less at Nosh and Baby than I thought I would have.
43:48 Speaker 03 Lot of money at Turnstile. That makes sense. Okay.
43:50 Caleb Hammer? What's Turnstile? Record store?
43:52 Speaker 03 That's where I go for teeny time.
43:55 Speaker 03 Espresso martinis.
43:56 Caleb Hammer? Oh, my.
43:59 Caleb Hammer? What the? Dude, that is more important than you paying back your friends. That is disgusting. That is selfish. What the is wrong with you?
44:06 Speaker 03 Well, I usually am not the one actually paying for it. That's actually.
44:10 Caleb Hammer? But you did regardless. Well, you still owe your friend seven hundred. Still owe your boyfriend twelve hundred. Who the are you? You're gonna go borrow at a twenty percent interest rate a car at twenty thousand dollars? At your financial situation, yet you go have teeny time? Teeny? All right, listen here, financial audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers in the resources section in the description below. The first one, I've moved my investments to Weebly. Do the same and transfer to my investing app of choice and you get cash bonuses of two hundred dollars
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45:50 Speaker 03 They're really good teenies.
45:51 Caleb Hammer? You know what else is, who has a good teeny? Your boyfriend. Pay him off. Pay him off. He's lending you for a bunch of, your friend.
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46:33 Caleb Hammer? Your friend. You don't even know how long ago you borrowed the $700 and you're going and getting teenies? That is selfish. It is disgusting behavior.
46:43 Speaker 03 Okay.
46:43 Caleb Hammer? It is not what a 31-year-old should be doing. I could see that at 21. This is a joke. You're well into adulthood. No more.
46:52 Speaker 03 Well, I, yeah, I got into a habit of spending too much and now I'm having to
46:56 Caleb Hammer? Are you an alcoholic?
46:57 Speaker 03 Dial it way back. No, I actually drink way less than I used to.
47:01 Caleb Hammer? Were you an alcoholic?
47:02 Speaker 03 Not diagnosed.
47:03 Caleb Hammer? You're just cope.
47:04 Speaker 03 Yeah, it's more of a cope thing.
47:07 Caleb Hammer? Listen, I'll get you on the FIS card that helps build your credit. It's a debit card that builds credit.
47:11 Speaker 03 Okay.
47:11 Caleb Hammer? Cause you can't be trusted with. Debt for whatever. If you want to get, if you want to get into a new career field, that also gets you a course career certification to build your resume. And you know, if you want to get out of the bartending world, you're making a good income, but who knows, it might be hit or miss. I bet that's not a very recession resistant industry, by the way. Remote, good luck. That's not really much of a thing as much these days for any harm.
47:31 Speaker 03 I know, that's, yeah.
47:33 Caleb Hammer? So I don't think, I mean, you're just gonna like, gonna have to get a job, a big girl job at some point. And again, this isn't a bar job. It's not, it's not really resistant to recession.
47:43 Speaker 03 Yeah.
47:43 Caleb Hammer? As much as many other things.
47:44 Speaker 03 It also fluctuates a little bit.
47:45 Caleb Hammer? Like you look like a nurse. Like you look like a mean nurse.
47:50 Speaker 03 No, I don't want to be a nurse.
47:52 Caleb Hammer? Look like a mean nurse.
47:54 Speaker 03 Nurses aren't supposed to be mean.
47:56 Caleb Hammer? Oh, but they're all bleeped. Except for my mom. She's lovely. She's really good. I love her. The rest of them are bleeped though. The rest of them are kind of, that's what they're known for, right?
48:06 Speaker 03 I don't know. I've only had.
48:08 Caleb Hammer? They're the mean girls at school.
48:10 Speaker 03 I've only had nice nurses.
48:11 Caleb Hammer? When you go to the hospital, I'm talking about when you go to like school with them. All right, we're not playing fuzzy. Calm down.
48:16 Speaker 03 Move your feet.
48:17 Caleb Hammer? I don't have a mullet and a full beard and selling bleeped, okay?
48:21 Caleb Hammer? Okay, what is this debt to previous landlord? Eight thousand dollars. You don't have to tell him we said it. He can watch it.
48:26 Speaker 03 Yeah, he probably will. Um, uh, that is.
48:29 Caleb Hammer? Eight thousand to a previous landlord's insane. What the f*** kind of amount is that?
48:33 Speaker 03 That's the apartment debts. Um.
48:35 Caleb Hammer? No sh-
48:36 Speaker 03 That's, that's, we already discussed that when I told you that like, the door's kind of toot hole and wobble.
48:41 Caleb Hammer? It was eight thousand dollars worth of repairs?
48:43 Speaker 03 Um.
48:44 Caleb Hammer? Oh, for f***ing sick, was it this entire f***ing unit?
48:46 Speaker 03 I didn't live, I didn't like leave it as like clean as I should have. Um, yeah. Cause I moved out quickly and I had to be out by a certain time, so I'm just moved on my f***ed up.
49:02 Caleb Hammer? Eight thousand dollars is insane.
49:04 Speaker 03 Yeah.
49:05 Caleb Hammer? You have any photos of this? Any pictures?
49:07 Speaker 03 No.
49:09 Caleb Hammer? Why?
49:10 Speaker 03 Am I supposed to take it? I'm sure they do.
49:12 Caleb Hammer? It would be good for fighting back if you had to.
49:15 Speaker 03 Yeah.
49:16 Caleb Hammer? So what's your method to pay this back? What has been the idea? Does this is $4,000 is insane.
49:21 Speaker 03 Well, so they-
49:22 Caleb Hammer? For any income, that's a substantial amount of money.
49:24 Speaker 03 Yeah, so the thing is with the apartment debt, they like the, apparently the property management company, they can't, they won't take a partial payments. Cause I was like, can I make payments on it?
49:34 Caleb Hammer? That's counterproductive for them.
49:36 Speaker 03 Yeah, I know. It was really weird. I was like, so even if I can give you $500 right now.
49:40 Caleb Hammer? It's on your, on your credit?
49:41 Speaker 03 Yes.
49:43 Caleb Hammer? Me. Has it been sold off to a collections agency? Or is it still the apartment?
49:48 Speaker 03 So.
49:48 Caleb Hammer? If so, they might be willing to go on a payment plan, right?
49:51 Speaker 03 Yeah, so now it is on a payment plan.
49:52 Caleb Hammer? Well, this is on a payment plan.
49:53 Speaker 03 Yeah, well, yeah, in the like debt real, like, okay, so I signed up for-
49:56 Caleb Hammer? In the debt relief?
49:58 Speaker 03 Yeah. It's not a consolidation loan. It's like the debt relief thing.
50:01 Caleb Hammer? I know.
50:01 Speaker 03 So like, now it's like, money's going towards it. Cause I pay 544 a month, going towards debt. And then they like disperse it to all the things that I owe.
50:13 Caleb Hammer? Then why is there an other landlord debt? Why is there a second one?
50:17 Speaker 03 That's the most recent one.
50:18 Caleb Hammer? Recent one. We've turned, you know, you shouldn't have to say that to, about landlord debt, to previous apartment debt. Oh, that's the most recent one.
50:27 Speaker 03 Whatever, dude. Okay, so.
50:30 Caleb Hammer? Okay.
50:30 Speaker 03 Okay, so anyways.
50:32 Caleb Hammer? What is this response?
50:34 Speaker 03 So that one is, she's saying that like she needs to like replace all the flooring in the room.
50:41 Caleb Hammer? Train your dogs.
50:42 Speaker 03 Okay, so, yeah, so, but then I don't think she did the math right either. I don't think it's that much.
50:49 Caleb Hammer? Well, you didn't take pictures to challenge it, and that's the problem.
50:52 Speaker 03 I know. I might get my old roommate to do that for me, because there's still nobody living in there.
50:55 Caleb Hammer? So she's still in there?
50:56 Speaker 03 The old roommate is. So it's just like, she rents out-
50:59 Caleb Hammer? Yes, get the pictures, dude.
51:00 Speaker 03 The landlord just like rents out each individual room. It's not like everybody's the one house.
51:04 Caleb Hammer? The landlord literally caught the dog peeing on the carpet?
51:10 Caleb Hammer? That's the note I just got. The landlord caught the dog peeing on the carpet in one of the places.
51:15 Speaker 03 The landlord, she like would end up coming by the house like unannounced and then just like walk into my room and then she was like, didn't like seeing the dogs there. She said that the dog peed on the floor and then now she has like-
51:28 Caleb Hammer? Why was your dog pissing on the floor?
51:30 Speaker 03 That's what she said. I mean, it wasn't there when I got home.
51:33 Caleb Hammer? Your roommate?
51:34 Speaker 03 No, the landlord's.
51:35 Caleb Hammer? No, your roommate cleaned it out, maybe?
51:37 Speaker 03 Okay, yeah, maybe.
51:39 Caleb Hammer? You didn't ask?
51:39 Speaker 03 Or maybe the landlord did. I don't know. No. Should I have asked?
51:44 Caleb Hammer? If someone's claiming that the dog peed, I'd try to figure it out.
51:48 Speaker 03 I'm assuming the landlord did.
51:49 Caleb Hammer? Cause that would result in debt to me.
51:52 Speaker 03 Yeah.
51:52 Caleb Hammer? So when's the next debt to your current landlord?
51:55 Speaker 03 I don't have any debt. I mean, it's just a rent.
51:58 Caleb Hammer? When? You're gonna get kicked out because the dog's gonna destroy this place.
52:03 Speaker 03 I guess whenever that happens.
52:05 Caleb Hammer? Why are you so irresponsible?
52:06 Speaker 03 I'm not. I'm not. I'm trying to do better with the dogs and everything.
52:09 Caleb Hammer? What are you trying to do better? What's the trying to do better? Go in out less. Okay, you still work 40 hours a week and I know you're with your boyfriend sometimes too.
52:15 Speaker 03 Taking them on longer walks and trying to get their energy out.
52:17 Caleb Hammer? Does that help with the anxiety specifically?
52:19 Speaker 03 Yeah.
52:20 Caleb Hammer? Okay. And so far?
52:24 Speaker 03 I mean, they've been good. Even like towards the end of the time that I was living at the last place, it, I was like taking them out more, throwing, like I had a big yard, so I was like spending more time throwing the ball with them and then they were fine. They didn't really do anything.
52:38 Caleb Hammer? Now, you struggled to send us statements.
52:45 Speaker 03 Yeah.
52:45 Caleb Hammer? We tried to help you the best you could.
52:48 Speaker 03 Yeah.
52:48 Caleb Hammer? So I'm gonna have to screen record from your phone if you want to. Can you pull up your credit karma for me? Cause I don't know what the struggle was.
52:56 Speaker 03 So, yeah, so that, the credit karma thing shows like closed accounts.
53:02 Caleb Hammer? Yeah, I'll see.
53:05 Speaker 03 Um, okay, but let me pull up the national debt relief thing because that gives a better breakdown.
53:11 Caleb Hammer? I know how to navigate credit karma.
53:13 Speaker 03 Okay. Well, I was gonna go the national debt relief thing because it gives a better breakdown, but here it is.
53:17 Caleb Hammer? Well, I just want to see what your credit karma says, dude. We can look at both.
53:23 Caleb Hammer? Needs work is an understatement.
53:25 Speaker 03 I'm aware.
53:27 Caleb Hammer? Okay, so what do we got going on in here? Oh, wait, hold the You know, you have some open credit cards.
53:34 Caleb Hammer? But we gotta chase freedom at 350.
53:37 Speaker 03 That I think is one that must Because my ex and I had a car together.
53:42 Caleb Hammer? Oh, no. Oh, and this is why we opened up credit karma.
53:47 Speaker 03 I don't think there was a chase one on there.
53:51 Caleb Hammer? Is this just an example?
53:53 Speaker 03 It might be an example or like an offer.
53:54 Caleb Hammer? This must just be an example.
53:55 Speaker 03 I don't know. You said you know how we're credit karma.
53:57 Caleb Hammer? Yeah, fair enough.
53:58 Speaker 03 Seem to be struggling.
53:59 Caleb Hammer? 16,000 on this. So we have the 9,089. That's from that. No, what's this 9,089?
54:06 Speaker 03 That is what's No, that, wait, let me see which one you're looking at.
54:12 Speaker 03 Ah.
54:14 Speaker 03 9,089. Oh, the green sky. That's the hot tub. He's making the payments on it.
54:20 Caleb Hammer? But it is on your credit.
54:21 Speaker 03 His name is also on it. So he's at least making the payment.
54:24 Caleb Hammer? If he stops or dies, you're
54:26 Speaker 03 Um, yes, I don't have a way to sell it at this point.
54:29 Caleb Hammer? What's your relationship with him now?
54:31 Speaker 03 We don't speak.
54:32 Caleb Hammer? Sakes. So what happens if he all of a sudden misses a payment? You say he's a piece of, maybe he will.
54:37 Speaker 03 Well, his, his name is on the loan too, so he has to
54:41 Caleb Hammer? I know, but what if he's a delinquent who doesn't give a
54:44 Speaker 03 I don't think his
54:45 Caleb Hammer? People up their credit all the time.
54:48 Caleb Hammer? Who's to say he doesn't?
54:50 Speaker 03 I mean, it's very possible.
54:53 Speaker 03 But yeah, I mean, if he dies, then I can
54:54 Caleb Hammer? Did he ever find anyone else?
54:55 Speaker 03 Yeah, he's married.
54:58 Speaker 03 Yeah, that happened quick.
55:00 Caleb Hammer? So it was you. Okay, hot tub. 9,000
55:04 Speaker 03 I get emails every month that the payments are actually getting made.
55:07 Caleb Hammer? Well, that's good, but it's 157 dollars. I'm gonna put it in parentheses. It doesn't go to your normal payment. But even still, I mean, that's scary. That is an extra 10,000 dollars on top of your loans that is just added if something happens. Because you will have to pay it to not your credit if he decides not to pay it.
55:27 Speaker 03 I know. At that point, I would just figure out a way to sell it.
55:29 Caleb Hammer? Can we contact him to refinance it? And get you off of it?
55:35 Speaker 03 The idea of talking to him sounds absolutely horrible.
55:37 Caleb Hammer? Oh, stop being such a whiny.
55:39 Speaker 03 He doesn't want to talk to me either.
55:41 Caleb Hammer? No, this is a business transaction. This is a business transaction. You're not calling him up and asking him about his day.
55:47 Speaker 03 Yeah, I don't know. I don't. I mean, how much of a difference?
55:51 Caleb Hammer? Can you text him right now? Text him right now.
55:54 Speaker 03 Maybe. It might be blocked.
55:55 Caleb Hammer? Huh? Okay, well, let's see. Can you just try to text them? Oh, sorry. Yeah, this is your phone. Text them. Hey, comma, what do you think about refinancing the hot tub loan to get me off of it?
56:06 Speaker 03 Okay.
56:07 Caleb Hammer? Send a text. See what happens.
56:08 Speaker 03 I...
56:09 Caleb Hammer? You're not even willing to do that?
56:11 Speaker 03 He, like, he was really bad. He, like, was like, yeah, not... It makes me nervous to text him. I mean, I can't...
56:18 Caleb Hammer? What's he gonna do? What could he do?
56:21 Speaker 03 I don't want to get yelled at by two tall men today, so...
56:24 Caleb Hammer? Okay, that's fine. That's fine. I, I, I, you know, total, totally good. But for limiting your risk as well, I do, again, the main intent isn't for you to contact him. I don't give a about that. The main intent is for you to get off the debt.
56:36 Speaker 03 Right.
56:38 Caleb Hammer? What is this Fab Cred Fresh?
56:41 Speaker 03 Fab Cred, um, that is a line of, just a line of credit.
56:45 Caleb Hammer? Of you, that you have?
56:47 Speaker 03 Yes.
56:47 Caleb Hammer? Just you?
56:49 Speaker 03 Yes.
56:49 Caleb Hammer? For sake. Did we even get a statement for that? Or is this fresh? Are we learning about this for the first time? Oh, we're learning about this for the first time. Okay, line of credit. Okay. That's wild. Now, why do we have a balance on a line of credit?
57:05 Speaker 03 Um, because I used it.
57:08 Speaker 03 Why would I get a line of credit and not use it? I needed it.
57:10 Caleb Hammer? For what?
57:12 Speaker 03 You're gonna hate this.
57:13 Caleb Hammer? There it is.
57:14 Speaker 03 It's, uh...
57:17 Speaker 03 To pay rent.
57:19 Caleb Hammer? Three hundred and thirty dollar a month payment. Can you pull, pull up your line of...
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57:52 Caleb Hammer? Credit for me.
57:58 Caleb Hammer? Alright, here we are.
57:59 Speaker 03 I paid off a good bit of it and then I use-
58:03 Caleb Hammer? $1,389.42.
58:09 Speaker 03 What?
58:10 Caleb Hammer? It's over the credit limit.
58:13 Speaker 03 That has to be just interest, which doesn't make it better.
58:16 Caleb Hammer? No, it doesn't. If you make your payments, it does not make it better. That makes no sense.
58:21 Speaker 03 Yeah, that was kind of an emergency situation.
58:24 Caleb Hammer? So, does this draw into cash?
58:26 Speaker 03 Yes.
58:27 Caleb Hammer? Okay, so where would I have seen the cash be spent? In your checking account?
58:30 Speaker 03 Yes.
58:31 Caleb Hammer? So, you saying earlier that you don't spend on credit cards, only in your checking account?
58:34 Speaker 03 Yeah, I kind of heard-
58:35 Caleb Hammer? Because you pulled from credit into your checking account to spend on it!
58:39 Speaker 03 I forgot about that one.
58:41 Caleb Hammer? Huh?
58:42 Speaker 03 I forgot about that one, because I don't use it much.
58:44 Caleb Hammer? You, well, no- Okay, minimum's actually 82. I don't know what Credit Karma's saying, but- Sake dude, you're over the limit by 100 and... Oh, like 25, 130 bucks?
59:01 Caleb Hammer? That's insane dude. That's crazy. What are we doing?
59:07 Caleb Hammer? Kickoff? You just got kickoff?
59:11 Speaker 03 Yeah.
59:11 Caleb Hammer? Okay, and what are you doing with kickoff? Because there's good ways to use it-
59:15 Speaker 03 I just recently got it and I haven't really used it much.
59:19 Caleb Hammer? Well, I advocate for it in the credit building way, but I want you to just be careful.
59:23 Speaker 03 Yeah, I haven't really done anything with it. I just recently downloaded it.
59:27 Caleb Hammer? Okay.
59:28 Speaker 03 Haven't really figured out how the best way to use that is yet.
59:31 Caleb Hammer? Now, here we go. Good old collections. Data International. $5,159. What is this?
59:40 Speaker 03 That's, goes into the apartment debt. That's what that is.
59:44 Caleb Hammer? Additional?
59:45 Speaker 03 No, no, no. That's like, the chunk of it.
59:48 Caleb Hammer? Okay, what's your minimum on this? So I'll cross off the two previous landlords and now we put this in.
59:54 Speaker 03 Okay, it's in the, so it's in collections. It's in the payment that I make towards the debt relief thing.
1:00:01 Caleb Hammer? What all is in the debt relief too? Cause I don't see the-
1:00:04 Speaker 03 I can show you.
1:00:05 Caleb Hammer? Okay, show me the debt relief. This is such a mess. What a mess. Why'd you do this debt relief specifically?
1:00:10 Speaker 03 Um, so I could have one, so I could have one payment-
1:00:14 Caleb Hammer? Yeah, but they were in collections. You didn't have to make a payment in collections. Sure, they could have sued you and gone after you in court, but usually, no.
1:00:20 Speaker 03 If it's in collections, I don't have to pay it? Well, my credit was-
1:00:22 Caleb Hammer? It's not about that, but yes, your credit sucks. And the $5,000 one, honestly, is pretty chunky. Maybe they would have gone after you in a legal way. So, you know, that one I'm okay with paying on for sure. But usually after a few hundred bucks, you know, they don't really come after you in a legal sense. Um, and it's not that you don't have to pay it. Moral obligation, sure, but if also if your credit in seven years, that's seven years to you being, and not being able to apply for any debt whatsoever. Sometimes that's not the worst.
1:00:52 Speaker 03 Debt relief thing that I'm paying off on.
1:00:54 Caleb Hammer? Oh.
1:00:57 Speaker 03 Start to Capital One.
1:00:59 Caleb Hammer? Oh, the Capital One itself is $21,577?
1:01:05 Speaker 03 Yeah.
1:01:06 Caleb Hammer? What is happening?
1:01:07 Speaker 03 Yeah, that was the big one that I racked up after. That was my coping card.
1:01:13 Caleb Hammer? Over how long did you spend $21,577?
1:01:19 Speaker 03 A year, year and a half.
1:01:20 Caleb Hammer? That's insane. All I'm just going out and beving it up? That's wild.
1:01:26 Speaker 03 I like, I also used it for like, other necessities, like dog food and HelloFresh and... So it's not like I only use that for going out.
1:01:37 Caleb Hammer? Saying, now I have, oh, Madison Adele, $5,795.
1:01:41 Speaker 03 That's the one that's like IQ data.
1:01:43 Caleb Hammer? Marcus loans?
1:01:44 Speaker 03 What's that one?
1:01:45 Caleb Hammer? I don't know!
1:01:46 Speaker 03 Let me see.
1:01:47 Caleb Hammer? Marcus loans, my golden sacks! It's Marcus.
1:01:50 Speaker 03 Oh, that's a-
1:01:50 Caleb Hammer? It's a loan. Usually it's a high-yield savings account that most people use, but you got a loan with them.
1:01:53 Speaker 03 Then that's my Apple credit card.
1:01:55 Caleb Hammer? Oh, you owed $5,000?
1:01:59 Speaker 03 That sounds right.
1:01:59 Caleb Hammer? $3,000? 319 on that?
1:02:03 Speaker 03 Yeah.
1:02:04 Caleb Hammer? That's fucking crazy. You paid off a- Small couple hundred dollar patient first one.
1:02:12 Speaker 03 That's what was left on the boob job.
1:02:15 Caleb Hammer? Oh guys, she national debt relieved her boobs.
1:02:21 Caleb Hammer? She national debt relieved her fucking tits.
1:02:24 Speaker 03 Well, I stopped making the payments on them and so they just like looped all into one payment.
1:02:28 Caleb Hammer? Maybe they should repo them. What the?
1:02:30 Speaker 03 It costs them more money than I owe them.
1:02:33 Caleb Hammer? What the are we doing where you can't pay for your own fucking tits?
1:02:39 Speaker 03 Having great tits.
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1:03:01 Caleb Hammer? Well then take the train, you f-
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1:03:06 Caleb Hammer? That is, that one is. I would go off brand.
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1:03:36 Caleb Hammer? You guys are destroying your financial future, spending like you have unlimited money, but you're just going further in the hole. What do you mean? You have a literal $1,100 monthly car payment. Yeah, it's getting a little tight. $264 in monthly subscriptions! I didn't know we had that many. You guys have to take control of your finances. How? Just download the Dollar Wise Budgeting app. It shows all of your expenses in one place. It helps you monitor your finances so you're not blowing hundreds of dollars a year on things you don't need. Download the Dollar Wise Budgeting app today and take advantage of your free trial.
1:04:15 Speaker 03 Hey, your buddy said, "Worth the money."
1:04:17 Caleb Hammer? He's obsessed with the faker them better.
1:04:20 Speaker 03 He has good taste.
1:04:23 Caleb Hammer? Okay. National debt relief is not a bad thing. It's just like, it's just like the debt you got into is crazy.
1:04:31 Speaker 03 I know, I know.
1:04:32 Caleb Hammer? And you got, you got, you literally got titties on here.
1:04:35 Speaker 03 Yeah, only a couple hundred and I just looped that into one payment.
1:04:38 Caleb Hammer? Well, you paid that off immediately, but you've only made $839 of progress on $31,530. So it's like, great.
1:04:49 Caleb Hammer? Great. So you owe $30,691 on here. Now we're crossing off of the total debt, the previous landlord debts, but we still got the boyfriend, the friend, the hot tub, the line of credit, and now this $30,691 of debt, which most of it is that Capital One, which is crazy.
1:05:10 Speaker 03 Yeah, that one got a little out of hand.
1:05:12 Caleb Hammer? Crazy. What is your minimum monthly payment on this thing?
1:05:15 Speaker 03 Well, now I pay it all in one payment to National Debt Relief.
1:05:17 Caleb Hammer? Huh?
1:05:18 Speaker 03 Now I pay it all, like,
1:05:19 Caleb Hammer? Yes.
1:05:19 Speaker 03 I pay, I pay $544 a month.
1:05:22 Caleb Hammer? There you go. That's what I was asking.
1:05:24 Speaker 03 You asked about the Capital One card.
1:05:25 Caleb Hammer? Huh?
1:05:26 Speaker 03 You asked about the Capital One card, not the...
1:05:28 Caleb Hammer? Well, I, I, okay, sure, maybe. I meant this though, so $544. $540.
1:05:36 Caleb Hammer? How long have you been in this?
1:05:39 Speaker 03 Um, I started racking that up about three years ago.
1:05:42 Caleb Hammer? No, no, no, no. The National Debt Relief. Are you sure you just can't answer questions?
1:05:45 Speaker 03 Are you sure you can't ask questions, right? I don't know. You're jumping from one thing to another. I signed up for that National Debt Relief in January-ish. January, February.
1:05:55 Caleb Hammer? And it's been $544 this whole time?
1:05:57 Speaker 03 Well, it's $273 every two weeks, and then I changed it to do just one payment a month. Cause I found that.
1:06:04 Caleb Hammer? Times two. I mean, okay, so it's still the same.
1:06:07 Speaker 03 Yeah.
1:06:08 Caleb Hammer? But you've only made $800? You've made two months of progress?
1:06:12 Speaker 03 Well, okay, so if you go to the last page, it shows like $2,700 in the account. So like, I guess it's at the top. Yeah.
1:06:21 Caleb Hammer? That they're using to negotiate?
1:06:23 Speaker 03 Yeah.
1:06:24 Caleb Hammer? Okay. So that's what's in there. Okay, I got it.
1:06:30 Caleb Hammer? That's rough, man. That's rough.
1:06:33 Speaker 03 I know.
1:06:35 Caleb Hammer? That's crazy. And now let's look at your spending. First of all, what even the fu- What is this? What is this account, dude?
1:06:42 Caleb Hammer? What am I looking at?
1:06:43 Speaker 03 That's my checking account.
1:06:44 Caleb Hammer? What, what, checking with who? What is this?
1:06:46 Speaker 03 Capital One.
1:06:47 Caleb Hammer? So, Capital One checking, okay. Immediately in here, Venmoing out $12.50, Venmoing now $8.29. Now, these are Ubers, most likely.
1:06:55 Speaker 03 Yes.
1:06:56 Caleb Hammer? Uh, Old Greg Brewing, $8.50, but we're struggling to survive. Great! Uber!
1:07:03 Speaker 03 I got the happy hour.
1:07:04 Caleb Hammer? Uber! Uber!
1:07:06 Speaker 03 I told you, the Ubers are out of-
1:07:08 Caleb Hammer? I'm calling them out still, though. And also, really? $838 of Uber in one sitting? That doesn't really make sense. I don't think- look at that.
1:07:19 Speaker 03 Oh, that was, that was, um, for the deposit and rent.
1:07:23 Caleb Hammer? Oh, they're not all Ubers, like you said earlier.
1:07:25 Speaker 03 The big ones are rents.
1:07:28 Caleb Hammer? Okay, then half of them have been Ubers that I've called out so far, by the way.
1:07:31 Speaker 03 Majority of them.
1:07:32 Caleb Hammer? Smoker Buzz.
1:07:34 Speaker 03 It was a vape.
1:07:35 Caleb Hammer? You're a vapor? Why? We are, we, you're older than me. I know for a fact you were not in the vape high school world.
1:07:44 Speaker 03 No, I was not.
1:07:45 Caleb Hammer? You picked that up? What are the, what a stupid thing to pick up. That's such an expen- how, how often are you getting vape?
1:07:52 Speaker 03 Uh, like, once every two weeks.
1:07:53 Caleb Hammer? And how much is it per?
1:07:54 Speaker 03 Twenty. That's not that bad, $40 a month.
1:07:57 Caleb Hammer? Shut the f- up. What are you talking about?
1:08:00 Caleb Hammer? That is $500 a month. That is an extra payment on your national debt relief, uh, a year. That is an extra payment on your national debt relief a year. Off. That is substantial. Everything little, every little thing call, counts. Uber, Uber, Uber. And by the way, we know when some of the Ubers, they're Uber eating.
1:08:18 Speaker 03 Yeah.
1:08:19 Caleb Hammer? Taco Bell. So shut up, that's all Uber. So Uber, Turn Still Coffee, Night Owl Bar, Uber Eats probably, Uber, Uber, Uber, Uber Eats probably, Uber, Uber, Uber.
1:08:33 Speaker 03 See, the majority of my spending is getting around.
1:08:35 Caleb Hammer? Come on. There's still Ubers. You, it's unacceptable to be doing Uber Eats in your situation when you owe money to friends and boyfriend. What a disgusting thing to do. Spokeman Highland.
1:08:47 Speaker 03 It's a coffee.
1:08:47 Caleb Hammer? Uber eats or actually large Uber. So something else. Easy Tiger.
1:08:52 Speaker 03 Hundred.
1:08:52 Caleb Hammer? Uber, Uber, Uber, Uber. And also maybe you're going around too much. Maybe you shouldn't be going out. If you cannot afford, maybe you shouldn't be going all these places if you can't afford the transportation or take the bike or scooter or transport or bus. I know you can bus from your area. You can bus. Is it convenient? No, you can. Planet. Uber, Uber, Uber, Uber. Metro thing is like 50 bucks a month or something or a hundred bucks a month. You, I mean, you do that in a day. Uber, Uber, Uber. Netflix, going in and getting some bull from the gas station. Certainly know it's not gas for you. Cash app paying out money. Uber, Uber. Maddy's North Lamar. Probably Uber Eats, then Uber Wendy's.
1:09:36 Speaker 03 No, Maddy's. I didn't Uber Eats. That was.
1:09:37 Caleb Hammer? No, I'm talking about the next Ubering thing. Nosh and Bevy, the Hideout Pub, Uber, Spokesman Highland. A huge Venmo of 650 bucks.
1:09:48 Speaker 03 That was a.
1:09:49 Caleb Hammer? Uber, Uber, Uber. Uber, Uber, Uber, Uber, Uber Eats probably. Uber, Uber. Uber Eats probably. Uber Eats probably. Cash app being sent out. Uber, Uber. Coffee, Kung Fu Salon, Kung Fu Salon, Uber Eats probably, Venmoing out $500. So many of these this month. Wendy's.
1:10:10 Speaker 03 That's how I was paying rent.
1:10:11 Caleb Hammer? Jack Ginger's Weekly, because it's like every second.
1:10:14 Speaker 03 Well, I paid, made some partial payments.
1:10:18 Caleb Hammer? Dude, Uber Eats probably while she's making partial payments.
1:10:21 Speaker 03 Well, actually, the $500.
1:10:22 Caleb Hammer? The Grand Bazaar. Uber, Nosh and Bevy, while she's making partial payments. Uber Eats probably.
1:10:29 Speaker 03 No, that $500 one was.
1:10:30 Caleb Hammer? Uber Eats probably. Uber, Uber, Uber, Uber, Uber, Uber, Uber. Hulu for $90?
1:10:38 Speaker 03 I knew you were gonna hit on that.
1:10:39 Caleb Hammer? Well, no, what the is that? You already have Peacock that you tried to justify.
1:10:43 Speaker 03 Hulu has different stuff and it has the live. I pay for the live.
1:10:47 Caleb Hammer? Guys, Hulu has different stuff.
1:10:50 Speaker 03 It has the subscription I have pay gets the live. So like cable.
1:10:54 Caleb Hammer? I don't care. You do not get cable if you cannot afford life. You have, you owe your friend and boyfriend money.
1:11:02 Speaker 03 I actually think, I'm pretty sure I changed the Hulu one, but it just hasn't, I haven't been billed for the next cycle.
1:11:07 Caleb Hammer? Bro, this is so stupid. Uber, one.
1:11:12 Caleb Hammer? Apple Cash, an out, White Tiger, going in, getting some bull Uber, oh my
1:11:20 Caleb Hammer? spokesman Highland, Uber, Brew Market, Apple, Apple, spokesman Highland, Apple, Apple, Uber Eats for sure, go fund me, go fund, pay it off your friend, you dumb My coworker has cancer. I don't give a, I don't give a, I don't give a That sucks, your coworker has cancer. You do not have money. And also, if we're being completely honest, that absolutely sucks $30, it's not gonna do anything. I know. I know it's about the lots of small amounts makes a cancer payment. Like, I advocate for that. I support that. Let's absolutely give. You're not in a position to, and you're hurting yourself.
1:12:01 Caleb Hammer? I'm sorry. Send me theirs and I'll give them much more money. That's, that's what matters more. You know? Yeah. And the more you want to give to things in the future, the less you'll be able to, because you're preventing yourself from being able to do anything by, by not allowing yourself to dig out of a hole. That's what happens. When people want to be a little charitable here and there, but they're in a bad financial situation, it prevents them from being much more charitable over the course of their life. Cause you need to get out of this and then you can give so much more. So it's not about the cancer thing. That's sad, but it's obviously about just the overall situation. Cash App, 60 bucks, barbecue chicken, USA,
1:12:41 Caleb Hammer? Zelker Brewing Company, Uber Eats, what the, pull up your checking account for me right now. What a joke. What a joke. That spending is horrendous, disgusting, unacceptable for someone who owes so much money to people in their personal lives. What a joke.
1:13:02 Caleb Hammer? Available balance, $92.
1:13:08 Caleb Hammer? That's insane, dude. That's insane. I started with 21. That's insane. Surprised you have not overdraft this year, holding us so low. Holding us so low. We got a, oh guys, we got a 360 money market account, got a, what is that? 87 cents.
1:13:33 Caleb Hammer? Wonderful. Of which you probably pay a fee to have.
1:13:36 Speaker 03 I do not.
1:13:38 Caleb Hammer? Okay, thank goodness. That's six cents in interest, well done. That's crazy. Okay, what, what, oh, before we build this budget, I mean, listen, there is an income conversation, there is, again, I'm a little nervous about if we're in a recession or anything, your industry being impacted. What are we trying to do? Cause it sounds like you have no idea what you want to do. You've been hopping jobs like crazy, right?
1:14:00 Speaker 03 Yeah, I've done a few things.
1:14:01 Caleb Hammer? Tell me, tell me over like the past 10 years, what have your, what's your job situations been?
1:14:07 Speaker 03 Um, I was a hairstylist for the majority of that time and then, well then COVID happens.
1:14:13 Caleb Hammer? Yeah, well, but you're in Texas, we were close for a month.
1:14:16 Speaker 03 Yeah, but then I sat on the couch for a month and I started getting tech.
1:14:20 Caleb Hammer? It was a you thing.
1:14:22 Speaker 03 I, while I was sitting on the couch for a month, I started studying for exams in tech, like Microsoft.
1:14:28 Caleb Hammer? Tech certifications?
1:14:29 Speaker 03 Yeah.
1:14:29 Caleb Hammer? Okay, what'd you get?
1:14:31 Speaker 03 I got, uh, two different Microsoft certifications. And then I got, like, once people started hiring again, I got a job. I don't even, one was an Azure one and then one was a 365.
1:14:44 Caleb Hammer? Okay, and then you, oh.
1:14:46 Speaker 03 Pretty basic ones to get started in.
1:14:48 Caleb Hammer? And then you got a job doing what exactly? You're starting to tell me earlier.
1:14:51 Speaker 03 So I started.
1:14:51 Caleb Hammer? Tech support's good.
1:14:52 Speaker 03 Tech support, I was making 36K, so it wasn't great, but it was.
1:14:55 Caleb Hammer? But tech support can be good, you can move up in that. And maybe that can get you into tech sales. Listen, it's not great in tech right now, but I can get you that certification specifically. Tech sales can be really lucrative. You don't seem like a people person, you're a little bit of a wrist slitty emo, gonna kill everyone. But, you know, if you decided to be a people person. I know. For you, exactly. That's why maybe you wouldn't be good in tech sales.
1:15:20 Speaker 03 Yeah, also a lot of sales jobs, you have to have a bachelor's degree and I do not have that.
1:15:24 Caleb Hammer? This is tech sales though. Sales, sales is more about the grind, the numbers, the resume you bring in, the things, the data you can show. A hustle. I bet you don't have, but a tech sales certification would help. Okay. So you're in tech sales, you're making thirty six thousand dollars a year for how long?
1:15:39 Speaker 03 Um, about August to March, about seven, eight months.
1:15:43 Caleb Hammer? Why so low? Little?
1:15:45 Speaker 03 Um, because I got a different job making more money.
1:15:47 Caleb Hammer? What was the different job?
1:15:48 Speaker 03 I worked for SHI. Um, so it was like-
1:15:51 Caleb Hammer? As what?
1:15:52 Speaker 03 I worked for SHI as a, as a pre-sale service advisor. So it was like-
1:15:56 Caleb Hammer? So still service?
1:15:58 Speaker 03 Yeah.
1:15:58 Caleb Hammer? Uh, but good. What were you making?
1:15:59 Speaker 03 Technical. Sixty-five.
1:16:02 Caleb Hammer? Look at that!
1:16:03 Speaker 03 Yeah.
1:16:04 Caleb Hammer? It's basically what you're doing now, except it was probably more enjoyable, right? More consistent? Less grind? Okay.
1:16:09 Speaker 03 Well, yeah. They put everybody back in office and I was living in Round Rock at the time. And then I had to go all the way down south and it was-
1:16:15 Caleb Hammer? Yeah, it sucks. Okay. But, okay, so what made you leave that? How long did you do that?
1:16:20 Speaker 03 Um, about-
1:16:21 Caleb Hammer? Just assess your resumes. We're thinking of what to do next.
1:16:24 Speaker 03 A year and a half.
1:16:25 Caleb Hammer? Okay. Okay. Shows you stick somewhere for a little bit. I would prefer to, but that's fine. And you're making sixty-five. When'd you leave that? Where'd you go to?
1:16:32 Speaker 03 Um, left that-
1:16:36 Speaker 03 About two. Yeah. So I guess I've been bartending about two years, not three.
1:16:39 Caleb Hammer? So that was straight to bartending from there?
1:16:40 Speaker 03 Two years ago.
1:16:41 Caleb Hammer? Why'd you go into bartending from that?
1:16:43 Speaker 03 I wanted something really quick and I also just really didn't like-
1:16:46 Caleb Hammer? Did you get laid off or did you quit?
1:16:48 Speaker 03 Laid off. They started laid off a bunch of people.
1:16:51 Caleb Hammer? Okay.
1:16:51 Speaker 03 Yeah.
1:16:52 Caleb Hammer? Did you get severance?
1:16:53 Speaker 03 Yes.
1:16:54 Caleb Hammer? Man.
1:16:55 Speaker 03 Yeah. So then I went into bartending and now, and then I just kind of stayed with that. I've spent the la- spent the last year managing a place. So to build some kind of management on my resume as well. Learned a lot. So I can stick to a place.
1:17:11 Caleb Hammer? Um, so your resume is okay. The bartending thing honestly isn't really gonna help it, unfortunately. Cause it shows that you left from tech and you went into service.
1:17:19 Speaker 03 Yeah, but the management side of it.
1:17:20 Caleb Hammer? Oh, you and your boyfriend want to move to San Diego. How are we doing that? How's it even possible?
1:17:25 Speaker 03 Well, that, this has got to get worked out first.
1:17:27 Caleb Hammer? Well, this is an insane amount of things to get worked out first.
1:17:30 Speaker 03 I know.
1:17:32 Caleb Hammer? What's your rent?
1:17:34 Speaker 03 Eight seventy-five.
1:17:35 Caleb Hammer? What about utilities all combined?
1:17:36 Speaker 03 About one fifty.
1:17:38 Caleb Hammer? Okay, what's your phone bill?
1:17:40 Speaker 03 One ten.
1:17:41 Caleb Hammer? So have your cause, uh, what is it? Ca- ca- ca- license?
1:17:45 Speaker 03 Um, I don't have it anymore. It expired.
1:17:47 Caleb Hammer? Why? Oh, can you re-up? How is easy is it to re-up?
1:17:51 Speaker 03 I might be able to re-up. I'm not sure if I would have to take state board again because it's been so long.
1:17:57 Caleb Hammer? Your minimum monthly payments are nine hundred seven dollars. Mind you, your income is four thousand one hundred sixteen. Okay, did you calculate your internet and your utility payments or is that separate?
1:18:07 Speaker 03 Yeah.
1:18:08 Caleb Hammer? Okay, how much on Ubering a month? Well, we kind of did it. Listen, I saw about ten, ten back and forth. Well, let's round it up to twelve. You do five days a week, so that's twenty-four times five times fifty-two divided by twelve. Okay, so that's five hundred twenty dollars a month in Ubering. That's chunky. That is a car payment, but you're not taking into account the interest that goes with it. Of course, you get an asset in the end, declining asset, absolutely. Let's save up. Let's get a car.
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1:19:03 Caleb Hammer? But except, except, no, except you take the bus. I'm sorry, take the bus. Like, I almost, I almost convinced myself to be on your side for a second. No, take the bus. We live in a city. We live in a city that has a halfway decent bus network.
1:19:19 Speaker 03 I can gaslight you back into a...
1:19:21 Caleb Hammer? No, you can't. Take the bus. I know where you live.
1:19:22 Speaker 03 Yeah. No, you don't.
1:19:24 Caleb Hammer? You told me before.
1:19:25 Speaker 03 I have a general area.
1:19:26 Caleb Hammer? Yeah, and I know there's buses there.
1:19:28 Speaker 03 I don't know where they are.
1:19:29 Caleb Hammer? That's a map. You look at the map.
1:19:31 Speaker 03 Uh, bus scares me.
1:19:33 Caleb Hammer? No, it doesn't. No one's on them in Austin. You'll be the solo rider.
1:19:37 Speaker 03 Okay, maybe the train. I don't know where that, the bus wants me is though, but it drops off right in front of my work.
1:19:44 Caleb Hammer? Well, that's actually fine. That's actually fine. She told me where she is. Listen, you can take about a ten-minute bus to the train station and then train can take you to work. There you go. Listen, transportation budget, I think you can do three hundred bucks a month. Let's try to cut this down. Let's grind to the bone. 300 and that's me being generous. Giving some Ubers here and there.
1:20:02 Speaker 03 Okay.
1:20:03 Caleb Hammer? You can do that. I know for a fact you can take a bus to the transit hub there that takes the train to your work. And the train system is incredible here in Austin if you can get to it. And I know you can. Unfortunately, the vast majority of people can't get to it because it's just a very limited line. But if you're on it, it's a great train system.
1:20:25 Speaker 03 Okay.
1:20:26 Caleb Hammer? Okay, so 300 for your transportation budget. You should be able to do that. Food, you can do 300 for yourself. We'll give you the, uh, can I hand that?
1:20:37 Caleb Hammer? We'll get you set up with the budget from the cookbook. You follow it. 300 bucks a month. It's good. Remember, get it signed by signing up for Dollar Wise Central or the annual version of the Dollar Wise Premium Budgeting App. I'll sign it just like that. But use this. You can do $300 a month at HUB. We've priced it out.
1:20:52 Speaker 03 Signed one.
1:20:54 Caleb Hammer? You. Maybe I'll just burn yours.
1:20:58 Caleb Hammer? Yeah, 300. TP fund, anything else you need to survive, 100 bucks. Medical, healthcare, any copays, anything on a monthly basis, prescriptions, why not?
1:21:05 Speaker 03 Nope.
1:21:06 Caleb Hammer? Okay, Jim?
1:21:08 Speaker 03 I don't have that, but I would like to factor that into the budget because there's one right by my work. 50 bucks.
1:21:14 Caleb Hammer? What about a $25, Jim?
1:21:17 Speaker 03 Well.
1:21:18 Caleb Hammer? Okay, let's see if we can do it. Let's see if we can do it. 50 bucks. Subscriptions. Let's see if we can do $30.
1:21:25 Speaker 03 30?
1:21:27 Caleb Hammer? You.
1:21:28 Speaker 03 Netflix alone is 17.
1:21:29 Caleb Hammer? Pick one.
1:21:32 Caleb Hammer? Pick one!
1:21:34 Speaker 03 Okay.
1:21:36 Caleb Hammer? Uh, I'll see if I can do 40. Let's see. Okay, dogs. There's no pet insurance.
1:21:41 Speaker 03 No.
1:21:42 Caleb Hammer? And they're too old. How much for food on a monthly basis?
1:21:46 Speaker 03 About 80.
1:21:47 Caleb Hammer? Okay. Is there a monthly care you have to do? Is there anything we have to think about with these dogs?
1:21:52 Speaker 03 I mean, just flea and tick stuff every like three months.
1:21:56 Caleb Hammer? Okay, how much is that every three months?
1:21:58 Speaker 03 Um, about 100 bucks for both of them.
1:22:01 Caleb Hammer? So we'll call it 34 bucks for dogs under health.
1:22:06 Caleb Hammer? Obviously, one's 12. Some expenses will start going up, unfortunately, and I'm sorry.
1:22:15 Caleb Hammer? Anything else that needs to be in your budget that I have not taken into account yet?
1:22:19 Speaker 03 Oh, I don't think, not that needs to be in my budget.
1:22:24 Caleb Hammer? All right, let me do the math. What you need to survive is $2,946 a month. So what are we doing here? This is totally fine.
1:22:36 Caleb Hammer? Let's, let's just round it, give you $170 a wiggle room. Since this is, you know, a lighter budget, we're kind of, you know, you will dive deep in and you'll figure things out. Well, let's say you have a thousand dollars left over. And yeah, it's still chunky and still thick.
1:22:51 Speaker 03 Factor in the, um, the debt payment?
1:22:54 Caleb Hammer? Yeah, debt payments of $907 a month.
1:22:58 Caleb Hammer? Listen, $30,691 plus 1,389 from the line of credit, plus 1,200 from the boyfriend, plus 700 from the friend, not doing the hot tub debt. And we, obviously, the first one was the national credit relief, debt relief. If I did that by a thousand, it was pretty basic math at that point, but that is 33 months. That is not the worst. Uh, we're talking, uh, about two and a half years? Close to three years, actually.
1:23:24 Speaker 03 To get it paid off?
1:23:25 Caleb Hammer? Yeah.
1:23:26 Speaker 03 Okay.
1:23:26 Caleb Hammer? Two years and two quarters for a bartender is amazing. People take five, 10, 20, 30 years when we do the calculations on this. So 30 years, you can do this in literally under three. Boost your income, get a second job, boom, get this paid off in two years total.
1:23:50 Speaker 03 Okay.
1:23:52 Caleb Hammer? Come on, it's everything. This is incredible. You have the opportunity of a lifetime here. Here's the reality, you don't have an emergency fund that is scary. You keep borrowing from friends. I'm surprised you're not borrowing from family.
1:24:08 Caleb Hammer? I guess it's because of the disappointment, right?
1:24:11 Caleb Hammer? I want you to pick up a second job. Bring in an extra $500, pay this off in two years, $500 a month. That's all I'm asking you to bring in extra, okay? You have some personal clients on the hair job, you know, side. I don't, I don't know, which is whatever it could be. Coffee shop doesn't matter. Pick up more hours at the bar, uh, go to a different bar, you know? I, I don't know. I don't know, but
1:24:30 Speaker 03 $500?
1:24:31 Caleb Hammer? Are you working on one of the party streets?
1:24:33 Speaker 03 No.
1:24:34 Caleb Hammer? Probably make more money there, right?
1:24:36 Speaker 03 Maybe, it depends on the season. It fluctuates a lot more, yeah, than the hours.
1:24:41 Caleb Hammer? Um, but, but yeah, but that's what, that's what the money is though. This is a grind for two years. You can do this in two years and then call in another six months to build a fully funded emergency fund. Okay, I'd get a one month emergency fund or save up whatever your highest deductible for any of your insurance.
1:24:57 Speaker 03 One month would be 20, what, 29? Is that what we said?
1:25:02 Caleb Hammer? Huh? Oh, yeah, with your debt, but it would be closer to 2,000, 2,100, once your debts are gone. So, yeah, I would save up about 12,000 bucks.
1:25:12 Speaker 03 Okay.
1:25:13 Caleb Hammer? So call it two and a half years to have a fully funded emergency fund, all bad debt paid off. Keep taking public transportation through there as long as you absolutely can with a little bit of Ubering. Do not get a car yet, not get a car. And then at that point, we are saving up 5,000 dollars. I'll let you put $5,000 down on a $10,000 car. And then you aggressively pay off that 5,000.
1:25:32 Speaker 03 How long is a $10,000 car gonna last me though?
1:25:34 Caleb Hammer? For a wa- dude.
1:25:35 Speaker 03 Cars are expensive.
1:25:37 Caleb Hammer? Cars are expensive and it, it, it's not as easy as it has been to find, but you're in a large metro area in the Texas triangle, which means you're in the middle of also four large metro areas. So you have a lot to choose from and no matter what car you are getting, you are taking that car to not one, but two mechanics to get them to look at it. So you're gonna pay for them to look at it and give their full sign off that this is gonna be safe. This is gonna last you for a few years without major repairs. Cause this is not a forever car, this is a few year car. And you pay off that extra 5,000 dollars in debt, either preferably not with the emergency fund, but if it's high interest, yeah, use the emergency fund, boom, then you have a paid off car and you gotta build up the emergency fund again. But if it's low interest, then you just paid on that. And then, listen, I didn't see a retirement account here, is there retirement?
1:26:17 Speaker 03 No.
1:26:18 Caleb Hammer? Okay, then at that point, once that is done, we're talking maybe three, three years and a quarter. Then we are
1:26:27 Speaker 03 Getting a car for 10K?
1:26:28 Caleb Hammer? No, no, no, no, this is after you paid off that car. Then we are doing 50, 30, 20, 50% on your needs, 30% on wants and 20% to investing.
1:26:38 Caleb Hammer? Maybe 30, 25, 25, because you'll be starting mid, mid 30s. Retirement. So you lost, you lost the best decade of your life for compound growth and you lost half of the second best decade for compound growth in the marketplace. We really need to start catching up so we have a shot at retirement. Shot at dignity in retirement, because this is, I'm not realizing on social security. Well, that's a bad way to look at things, but let's look at the higher likelihood chance that it's not going to. Okay. So that's what I recommend. I'm going to call her current boyfriend and talk about what her debt looks like, because he probably has no idea, because he didn't even, he didn't even know about the line of credit. He knows. You didn't, you don't even know about the line of credit. We're going to talk about his debt and stuff. So I'm going to call him, confront the situation in the post show. Let's get our
1:27:20 Caleb Hammer? hammer financial score first. Okay. Spending on a budget, overspent, zero out of 10. Debt, you have collections, zero out of 10. Emergency funds, there's nothing, zero out of 10. Retirement, there's nothing, zero out of 10. Real estate, there's nothing, zero out of 10. Wow. Hammer financial score. It's been a while since we've had one of these, literally a zero out of 10, and she thought it was a three. Good luck. Get your financial score. Get your financial score below at CalebHammer.com and come join us in the post show by joining Hammer Elite below. Three premiere shows posted Monday through Friday, every single day. I'll see you in the post show. I'm calling your boyfriend. Hello. Big guy. Your girlfriend owes you a lot of money. What did she do instead? She opened this conversation bragging, hey, I don't spend on credit cards anymore. You know what she did, which you probably do not know, because she doesn't even know? She's over maxed out on it, which is why she can't use it.
1:28:05 Speaker 00 I did not know that.
1:28:07 Caleb Hammer? Now, does her financial situation make you hesitate this relationship?
1:28:13 Speaker 00 Yeah, it's a, I mean, well, that is a, yeah, something that does weigh on my mind a little bit about this relationship for sure.
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