Pathetic Sugar-Baby Is Mad I Won’t Date Her | Financial Audit

▶She officially shoots her shot in the post show and I give her my *real* answer. We also dive into the tea on what other fat person with lots of followers (you all know him) tried to slide into her DMs lolol watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶▶Download my budgeting app today: https://calebhammer.com/app - don't overcomplicate this crap! All you need is an automated and SIMPLE budget. This comes with live CFP sessions, weekly classes, an online community, automatic account connections, my budget-friendly cookbooks, and exclusive discounts on my products Check it out :) Go to https://meetfabric.com/CALEB and apply today, risk-free Sick of paying too much for car insurance? Compare rates and save hundreds with Money.com! Click here https://money.com/caleb-car-insurance to check out multiple car insurance options and get the coverage you need for less. Paid endorsement. This message is sponsored by Money.com, which receives compensation from its marketing partners for some of the products and services featured. Eligibility requirements apply and offers may be subject to change without notice. Learn more about how Money.com makes money. ▶▶▶ Download my budgeting app today: https://calebhammer.com/app ▶ Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶Come to my live show in Austin on Feb 22nd: https://www.calebhammer.com/live ▶EDUCATION: 1) Bundle my budgeting, debt + investing program for *15%* *off* : https://calebhammer.com/classpack/ 2) The best budgeting program online: https://calebhammer.com/budget 3) Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing 4) Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula 5) Get your own free Hammer Financial Score: https://www.calebhammer.com _______________________ ▶RESOURCES 1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link 2) Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services. Click this link https://j.moomoo.com/Caleb to get up to 15 free stocks from moomoo U. S when you make a qualified deposit + earn 4.6% on uninvested cash + an additional 3.5% APY Coupon for 3 months for new users!! Terms & Conditions Apply 3) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 4) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer 5) The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 6) Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today! 7) Helium Mobile: save a ton on your phone bill, sign up and get 30 days of FREE trial when using promo code CALEB https://hellohelium.com/ 8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 9) Therapy: Make SonderMind your mental health home in 2025. Sign up at: https://pages.sondermind.com/caleb/ 10) Build you own stan store: https://www.stan.store/?ref=CalebHammer Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:03Speaker 00

  You have nice, strong hands.

• 0:04Caleb Hammer?

  I don't give a if you like something. I like you being able to survive and retire.

• 0:08Speaker 00

  Oh, you like me?

• 0:09Caleb Hammer?

  I said, I like you being able to survive and retire.

• 0:11Speaker 00

  You have pretty eyes. Just amazing.

• 0:14Caleb Hammer?

  I'm trying to finish this episode, lady. You're insane.

• 0:18Speaker 00

  Your eyes look pretty.

• 0:19Caleb Hammer?

  Stop. What the are you doing?

• 0:21Speaker 00

  They look like pillows that I could lay my head on.

• 0:23Caleb Hammer?

  Stop. You already said the eye thing.

• 0:24Speaker 00

  Okay, your hair looks nice.

• 0:26Caleb Hammer?

  Stop. What are we doing?

• 0:28Speaker 00

  Am I not allowed to compliment you?

• 0:29Caleb Hammer?

  Thank you for the compliment.

• 0:30Speaker 00

  You're welcome.

• 0:31Caleb Hammer?

  Your eyes are far apart.

• 0:33Caleb Hammer?

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

• 0:40Speaker 00

  Hi, my name is Evelyn. I'm 29 years old. I'm from Lebanon, Tennessee, and this is Financial Audit.

• 0:46Caleb Hammer?

  Wow, thanks for coming down to Austin. What do you do up there for a living?

• 0:49Speaker 00

  I am in VetMed.

• 0:51Caleb Hammer?

  VetMed?

• 0:51Speaker 00

  Yes, VetMed.

• 0:52Caleb Hammer?

  Okay, in what part of VetMed?

• 0:55Speaker 00

  I'm a veterinary technician.

• 0:56Caleb Hammer?

  Gotcha. There it is. Okay, what do you make?

• 0:59Speaker 00

  Um, I make around $50,000 a year.

• 1:01Caleb Hammer?

  Okay, I'm not too sure about Lebanon, Tennessee. I don't know the how how are you living? How does it feel living in that town on that $50,000? That could stretch far and wide, or it could be tight and small.

• 1:15Speaker 00

  I have it pretty lucky. I only pay $570 a month for my rent.

• 1:21Caleb Hammer?

  Then why the are you possibly after paying groceries would be the question I would immediately ask. Thinking that I'm lucky because of that, I don't want to dig in too early, too hard. But I'm lucky because I only pay that much in rent, and you're right, that is an incredible amount of rent for you. Then why am I seeing immediately after paying for groceries? But not just after paying for groceries. Not just after paying for groceries, getting kicked out of a firm, kicked off a firm?

• 1:53Speaker 00

  Yeah.

• 1:55Caleb Hammer?

  Well, rent's only $500.

• 1:58Speaker 00

  $570.

• 1:59Caleb Hammer?

  Uh huh, a fraction of your income, an incredibly small fraction compared to most people. Why possibly would we be kicked off a firm? Why possibly are we after paying groceries? Sorry, I'm not trying to start too strong.

• 2:13Caleb Hammer?

  But hearing that number of rents, I I know it was that low. I was like, okay, you know, rent's usually the biggest part of someone's income, biggest ongoing expense. So maybe it was so high that she's almost forced to after pay for groceries. No.

• 2:27Speaker 00

  No.

• 2:27Caleb Hammer?

  So, okay. So go ahead.

• 2:29Speaker 00

  Okay.

• 2:30Caleb Hammer?

  What the, what is, what is going on here?

• 2:32Speaker 00

  It makes more sense to me. So, okay, you're getting what you want, when you want it, but you're only paying it in fourths. So like one fourth and then one fourth and one fourth.

• 2:44Caleb Hammer?

  Yeah, but that continues to stack up. And as we have minimum monthly payments, which you have endless of, those have become more minimum monthly payments instead of you going and just buying. I'm not saying that's necessarily a bad concept, but for someone who stacks up minimum monthly payments throughout their entire life on every single little thing, it just becomes another one which prevents you from, there are missed in late and no paid on things in here.

• 3:06Speaker 00

  Yeah.

• 3:07Caleb Hammer?

  You got kicked off a firm. I understand the philosophy of split it in four, or you know, whatever it is. Like, I like a good finessing of things. You got kicked off. Why'd you get kicked off?

• 3:20Speaker 00

  Um, I bought my mom a purse for her birthday and then.

• 3:23Caleb Hammer?

  How much was the purse?

• 3:24Speaker 00

  I think it was like four hundred.

• 3:25Caleb Hammer?

  Okay, you make fifty thou? Okay.

• 3:28Speaker 00

  I wasn't working this job when, when I did.

• 3:30Caleb Hammer?

  How much were you making?

• 3:31Speaker 00

  Then I was like nineteen dollars an hour, but.

• 3:36Caleb Hammer?

  Okay, well, even still, maybe you would have been able to budget this. You split it in four hundred bucks over the course of, you know, a few weeks. Well, what happened? Why possibly?

• 3:44Speaker 00

  Because I spend money on stupid.

• 3:46Caleb Hammer?

  Okay, so then your philosophy is broken. If your philosophy is I can split this and it makes it not just necessarily more manageable, but maybe it's the best use of where money can go. And then the rest of it's going to be thrown into investment. That, that would be something that might make sense. But you, you do it.

• 4:04Caleb Hammer?

  And then all the money that should be going to paying those payments that you delayed then goes to buy extra things. So then you don't have the money to actually make the payments on the thing that you borrowed on. So you didn't pay and they kicked you off?

• 4:18Speaker 00

  Yeah, no, I can't. Yeah.

• 4:19Caleb Hammer?

  Never even heard of getting kicked off a firm.

• 4:21Speaker 00

  I'm pretty sure it's in collections.

• 4:24Caleb Hammer?

  Are you able to affirm anything?

• 4:26Speaker 00

  No.

• 4:26Caleb Hammer?

  Really? So you're just done?

• 4:28Speaker 00

  Yeah.

• 4:29Caleb Hammer?

  You've been canceled by a firm?

• 4:30Speaker 00

  I think.

• 4:31Caleb Hammer?

  I've never heard of this.

• 4:32Speaker 00

  Until I pay it.

• 4:33Caleb Hammer?

  Oh, until you pay it. Wait, when was this?

• 4:36Speaker 00

  Maybe like two years ago.

• 4:39Caleb Hammer?

  Why haven't you paid $400 in two years?

• 4:42Speaker 00

  I have a bad habit of just if it, if it goes, it goes.

• 4:45Caleb Hammer?

  If it goes, if what go, what do you mean?

• 4:47Speaker 00

  Like if it, if I don't, it's not, I don't know if it's on my credit report, maybe.

• 4:53Caleb Hammer?

  There was a lot of credit. This is a thick stack. I don't know. You don't know? You showed us your credit. You didn't look?

• 5:01Speaker 00

  Sometimes I just don't, out of sight, out of mind.

• 5:04Caleb Hammer?

  What's your credit score? Do you even know?

• 5:08Speaker 00

  I've been told.

• 5:09Caleb Hammer?

  Been told by, what do you mean you've been?

• 5:11Speaker 00

  Okay, okay, okay. In my defense, I've been told that Vantage score is different than, um, what's the other one? It's like credit karma is different than the FICO. That's what it is. Vantage and FICO are different.

• 5:23Caleb Hammer?

  Okay, yes, this is, it's guessing essentially based on the information you have, but it's pretty darn close. Usually it's kind of dialed it in. Every once in a while it can be, you know, a little miss for other people, but mine's really close.

• 5:35Speaker 00

  It's like 580.

• 5:38Caleb Hammer?

  That's funny. That's cute. That's cute. That's, that's how we live our life?

• 5:43Speaker 00

  I fucked up. Uh, and that's been like a long time, like long, long time. That goes back to like previous boyfriends. And yeah, and I'm still.

• 5:52Caleb Hammer?

  Previous boyfriends immediately deflect. I fucked up and instead of going down the I fucked up train, which leads to some potentially accountability. It immediately goes to, it goes back to my boyfriend.

• 6:05Speaker 00

  No, I'm not placing the blame on them. I'm placing the blame on me. I was a fucking idiot.

• 6:09Caleb Hammer?

  You're still financing groceries. What's was?

• 6:13Speaker 00

  I mean.

• 6:13Caleb Hammer?

  This morning, you bring in $50,000 a year. I don't know the cost of living for that area. All I know is your rent is dirt cheap for really renting the United States in general.

• 6:28Caleb Hammer?

  Yet again, your reality is financing groceries, missing payments, and a bunch of other stuff that we're about to go into. These are but the financing groceries is an action you are taking on a daily, weekly basis, you know? That's something you can change now. Can we change a collection from two years ago? Sure, we could, you know, pay it off, but you can't change that it went into collections at this point. No. But you can change the financing groceries. But you're not.

• 6:56Speaker 00

  Because you still get the money.

• 6:58Caleb Hammer?

  But the money that you put towards it, you put towards other things instead was your self admission. You said, but I have up, which is relatively okay. That that that happens. I've up a lot. We all have. It is called growth, but you are still doing the action today. But you said you have up before previously, and you're just trying to deal with that now is kind of what it makes it sound like. But you're doing this now.

• 7:22Speaker 00

  It's not as bad now.

• 7:24Caleb Hammer?

  Okay, that's what literally everyone says. So I don't believe it necessarily. I don't see back then. All I see is you've spent $800 on DoorDash in one month.

• 7:37Caleb Hammer?

  Yeah, you remember when you say you have $400 in collections for one thing? $800 in a single month DoorDash? I don't have sympathy for that.

• 7:47Speaker 00

  I eat out of sadness.

• 7:50Caleb Hammer?

  What the is in front of me right now? That's not an answer. That's some bull thing. And then you giggle about it.

• 8:00Caleb Hammer?

  Where do you think you are in the world of finances? Zero to 10, 10 being the absolute best, zero being the absolute worst. Where do you think you are?

• 8:09Speaker 00

  Four?

• 8:12Caleb Hammer?

  You just told me your credit score is four. What do you? Do you watch the show? Where'd you apply from? Where'd you apply from to come on this show?

• 8:19Speaker 00

  I saw it on TikTok.

• 8:21Caleb Hammer?

  The show on TikTok?

• 8:23Speaker 00

  Yeah.

• 8:24Caleb Hammer?

  And then you applied?

• 8:25Speaker 00

  Yeah.

• 8:25Caleb Hammer?

  So you've seen the clips. Have you ever seen the full episodes?

• 8:30Speaker 00

  Yes.

• 8:31Caleb Hammer?

  So you know, how in the world would you consider yourself almost close to just a solid down the middle five?

• 8:37Speaker 00

  I didn't think I was as bad as the other people.

• 8:39Caleb Hammer?

  As bad as the other people? In what way? You have collections, missed things. I see like 1000% interest loan in here. Again, $800 on DoorDash. We've seen the DoorDash TikToks. What do you mean? Why do you think you're? That mindset could be why you're here today in general. You could be like, oh, I think I'm doing, you need to be brought down to the reality of your situation.

• 9:06Speaker 00

  Okay.

• 9:07Caleb Hammer?

  If you actually think you're doing okay, or better than most people on the show, you need a fucking wake up call, dude.

• 9:17Speaker 00

  So you wouldn't say that I'm like, a little bit higher than the other people?

• 9:22Caleb Hammer?

  How could I? Do you own any real estate?

• 9:25Speaker 00

  No.

• 9:25Caleb Hammer?

  What's your retirement at 29?

• 9:30Speaker 00

  I couldn't tell you. I could probably pull it up.

• 9:32Caleb Hammer?

  I could tell you, just barely over a thousand. Yeah, it should be 50,000 in a year from now. What's in your emergency fund?

• 9:43Speaker 00

  Nothing.

• 9:43Caleb Hammer?

  Uh huh. And there's like a 500 million percent interest rate loan in here and our credit score is below 600. So you're a four out of 10. No, you don't know what you're talking about.

• 9:52Speaker 00

  Then what would it be?

• 9:54Caleb Hammer?

  I'll give you a score at the end, but that's crazy to think that you think you are actually up there. It's not even like a four out of 10 is good, but the fact that you think that or that you think you're better than the guests that come on here?

• 10:08Caleb Hammer?

  All right. If you guys want your hammer financial score, link in the description below. It's free. It's fun. See where you are. See where you are. And if you want to come on the show and you think that you're better than the other guests, apparently for some egotistical reason, uh, go to Caleb here.com slash apply. It'll be fun. I'll beat you up a little. And then I get your finances in order and it'll be a good day. So four out of 10.

• 10:34Speaker 00

  Four out of 10. Four out of 10.

• 10:37Caleb Hammer?

  Staying solid there.

• 10:38Speaker 00

  Yes.

• 10:39Caleb Hammer?

  Why do you think you're better? Why do you think you're, how about you? I want to hear your logic. Why do you think you're better?

• 10:44Speaker 00

  But I find, I find funds in other ways. Okay.

• 10:48Caleb Hammer?

  Funds?

• 10:49Speaker 00

  Yes, funds in other ways. So for example, I have what you would call a sugar daddy.

• 10:54Caleb Hammer?

  You have a, okay. Hold on. Okay. So $50,000 is your income from the job. You have a sugar daddy. Do I include this as your income? Uh, go ahead and explain.

• 11:04Speaker 00

  So, but.

• 11:05Caleb Hammer?

  Like that raises your score. I have a sugar daddy, guys. Don't you know that? That's one of the categories in the hammer financial score.

• 11:10Speaker 00

  Yes. Uh, but I mean, there wasn't an option to put it, but the thing is, I have never done anything for this man, like by myself. Okay. So this guy.

• 11:22Speaker 00

  This guy is

• 11:23Caleb Hammer?

  You're talking like, okay, sorry, go ahead.

• 11:24Speaker 00

  What?

• 11:25Caleb Hammer?

  Go ahead.

• 11:26Speaker 00

  Okay, so this guy is someone from my previous job. He was a drug rep for my previous job. And the funny story is, is there was this girl that I used to work with who had a sugar daddy.

• 11:38Caleb Hammer?

  That is funny.

• 11:38Speaker 00

  And she told me who it was and he used to send her like fifty dollars or like buy her cigarettes or something. And so I went and found this sugar daddy and I just kind of hit him up and I was like, hey, I heard you're in the buying nude business. And he said, who told you?

• 11:53Caleb Hammer?

  Buying nude?

• 11:54Speaker 00

  Nude, nudes.

• 11:55Caleb Hammer?

  Oh, boobies, boobies?

• 11:56Speaker 00

  Yeah, boobs, yeah.

• 11:57Caleb Hammer?

  Okay.

• 11:57Speaker 00

  So I was like

• 11:58Caleb Hammer?

  Everyone likes boobs.

• 11:59Speaker 00

  And he was like, what's wrong with that? Are you offended by what I do in my own time? And I was like, no, I'm actually interested.

• 12:03Caleb Hammer?

  My hobbies, my hobbies of boobs.

• 12:05Speaker 00

  Yes. So I told him I was interested. This dumb motherfucker will send me thousands, thousands of dollars.

• 12:14Caleb Hammer?

  What if he sees this?

• 12:16Speaker 00

  I don't care.

• 12:16Caleb Hammer?

  That is a cash train that you just called him a dumb motherf-

• 12:19Speaker 00

  He is dumb because let me tell you what he's paying for.

• 12:22Caleb Hammer?

  Stop hitting the table.

• 12:22Speaker 00

  Oh, sorry. That was my bad. Let me tell you what he's paying for. He is paying for me to find pictures of another person's tits or ass and send it to him and he's sending me thousands of dollars for this.

• 12:36Caleb Hammer?

  He's, uh, very sad.

• 12:38Speaker 00

  I can pull up my Cash App right now and show you. This man has sent me almost four thousand dollars. Oh, well, my phone's over there. Hold on. Can I go get it?

• 12:45Caleb Hammer?

  Okay.

• 12:48Caleb Hammer?

  Nudes of other ethnicities and he's like, oh, yep, those are yours.

• 12:52Speaker 00

  I just, so honestly, I find the, ugh, I find the prettiest boobs that I can and

• 12:59Caleb Hammer?

  He doesn't think they're different ever?

• 13:01Speaker 00

  I'm telling you, he's stupid.

• 13:03Caleb Hammer?

  How old is this?

• 13:04Speaker 00

  If I know.

• 13:05Caleb Hammer?

  So he's, he's a sugar daddy, but he's more just like a paying for like a private OF.

• 13:09Speaker 00

  Sort of.

• 13:10Caleb Hammer?

  I talk a lot about financial responsibility, building a budget, paying off debt, investing for the future. And it's all about taking control of your money. But real financial responsibility isn't just about you. It's about the people who depend on you, like kids or parents or anyone else that relies on you and your income. What happens if something unexpected takes you out of the picture? Can your family still pay the bills? That's a big question a lot of people ignore. Thankfully, today's sponsor, Fabric by Gerber Life, makes it easy to apply for term life insurance and help protect your family's future. So you can rest a little easier knowing that your family has some protection if the unexpected does happen. With Fabric, you can apply right from your phone on your schedule. In as little as 10 minutes, you could be covered instantly and you could even skip the health exam. Here's why you should do this right now.

• 13:55Caleb Hammer?

  If you're young and healthy, now is the time to lock in low rates. And even if you got life insurance through work, it's probably not enough to meet your family's needs. It doesn't follow you if you have to leave your job. So it's worth looking at Fabric to make sure you have the coverage that your family needs. Fabric offers flexible, high-quality policies that fit your family and your budget, like $1 million in coverage for less than a dollar a day. Plus, there's a 30-day money-back guarantee and you can cancel at any time. Seriously, there's no risk to apply at all, so you may as well just do it now. And they don't stop at life insurance. Fabric offers digital wills, kids' investment accounts, and access to college savings funds. And you can manage it all right from your phone, so you can keep all your family's financial planning in one easy place. You're busy enough without having to keep track of all those old-school websites and passwords.

• 14:41Caleb Hammer?

  Just do it all with Fabric. Plus, Fabric is backed by Gerber Life and is trusted by families for over 50 years. They've got the reviews to prove it, too. 1,900 plus 5-star reviews on TrustPilot with an excellent rating. And an A-plus rating with the Better Business Bureau, so you know you can trust them, just like thousands of other families do. If you're really serious about taking care of your money and making sure your family's protected for the future, here's the next step. Apply today at meetfabric.com/caleb or click the link in the description below. That's meetfabric.com/caleb, M-E-E-T-fabric.com/caleb. Thanks to Fabric for sponsoring today's video.

• 15:15Speaker 00

  And like, he wants like pictures of asses and stuff like that.

• 15:19Caleb Hammer?

  But never meet?

• 15:20Speaker 00

  No, I've met him once in passing at my old job. But then he like tried to talk to me and I didn't talk to him, but this stupid f**k still sit up.

• 15:30Caleb Hammer?

  Okay, do I put this in your income? Is this gonna, how long has this been going?

• 15:34Speaker 00

  Well, he hasn't done it in a while because I tried to hit him up the other day and be like, "Hey, I want some sugar daddy stuff." And he was like, "Oh, I'm saving up for a trip in March. I can't do anything." And he's trying to be financially responsible. Hold on, let me show you what he looks like.

• 15:49Caleb Hammer?

  Fair enough, instead of supporting someone who's not.

• 15:51Speaker 00

  I do call him mashed potatoes. This is what he looks like.

• 15:58Speaker 00

  Um, so his, uh, his, his cover picture is him.

• 16:04Caleb Hammer?

  I was expecting some like old sad man.

• 16:07Speaker 00

  No, no, no, no, no, no. So this is where mashed potato, I call him mashed potatoes and this is why. So after all that I've been sending him like these pictures and stuff.

• 16:17Caleb Hammer?

  Never you.

• 16:18Speaker 00

  Never me. It was never me because he's stupid. Um, and he thinks he's me.

• 16:23Caleb Hammer?

  Doesn't look traditionally smart.

• 16:25Speaker 00

  Yeah, okay. He sent me an unsolicited dick pic one time. This man has so much smegma that was old. It looked like the flaky mashed potatoes. So now I call him mashed potatoes.

• 16:39Caleb Hammer?

  Okay, okay. I want to do a financial audit. Uh, how much do you get from smegma?

• 16:47Speaker 00

  No, his name, it's mashed potatoes.

• 16:49Caleb Hammer?

  Captain Smegma, yeah. How much do you get?

• 16:51Speaker 00

  Can I, I wonder if I can call him Idaho.

• 16:52Caleb Hammer?

  How much you get?

• 16:53Speaker 00

  I'm pulling it up. I'm pulling it up. Gosh.

• 16:55Caleb Hammer?

  Did you want me to put this in your income? I'm trying to understand the.

• 16:58Speaker 00

  Okay, so there is how much he sent me in total. If you need to look at that.

• 17:03Caleb Hammer?

  Over the course of how long? Four thousand hours, seventy-five dollars away. Four thousand hours. How much? How long?

• 17:08Speaker 00

  It probably was a span of like seven months.

• 17:11Caleb Hammer?

  You wait, he haven't gotten paid since July.

• 17:13Speaker 00

  I know because he's been a broke bitch.

• 17:15Caleb Hammer?

  Include this into your thing. Maybe he found some other fake tits.

• 17:19Speaker 00

  So he got tired of, um, cause one time he only had like two hundred and fifty dollars left and he sent me two hundred and twenty-five of it and told me that he was going to meal prep.

• 17:30Caleb Hammer?

  Maybe dude's ready to.

• 17:32Speaker 00

  He tried to, he tried to ask me to give him for two thousand dollars and there ain't no way I'm putting mashed potatoes in my vagina.

• 17:37Caleb Hammer?

  And that's illegal.

• 17:39Speaker 00

  Yeah, I'm not a prostitute.

• 17:45Caleb Hammer?

  Okay, so I can't include that in your income and you think adding that adds up to your score? I, okay. You're a special lady. You're a special lady. Clearly, Smegma thinks so, so.

• 17:59Speaker 00

  Mashed potatoes.

• 18:01Caleb Hammer?

  All right, Navy Federal. Let's get into these numbers.

• 18:05Speaker 00

  Okay.

• 18:07Speaker 00

  Navy Federal.

• 18:07Caleb Hammer?

  One hundred sixty-four dollars and ninety-seven cents. It's not much of a balance. Um, you only had seventy dollars on it, then you made the monthly payment, but it didn't make sense. And then you purchased a hundred twelve. Why? Cause interest is accruing. Two dollars and thirty-two cents. Is it crazy? No, but it is interest accruing, but you could have paid off the seventy dollars. This is so easy. This is the easiest thing in the world. But with the stupid of farm stuff you're doing, I don't really get the point. Why don't you just pay off a seventy dollar credit card and never pay the interest?

• 18:38Speaker 00

  Seventy dollars that I can't spend.

• 18:42Caleb Hammer?

  Uh huh. Wait, why is your account on a monthly basis income wise?

• 18:46Speaker 00

  Um.

• 18:47Caleb Hammer?

  You even know? Cause you only spend on debt. So would you know?

• 18:51Speaker 00

  Every two weeks around, like before everything comes out, like after taxes, it's usually around sixteen, seventeen hundred. Every two weeks, so.

• 18:59Caleb Hammer?

  It's close. Adds up. Three thousand two hundred thirty-five. That's what came in. Hmm. What are the Venmos that came in?

• 19:06Speaker 00

  Venmos?

• 19:07Caleb Hammer?

  More tits?

• 19:08Speaker 00

  It's my dad's child support that my mom pays me. So he pays her, she sends it to me.

• 19:12Caleb Hammer?

  So how much do you get from that on a month basis?

• 19:15Speaker 00

  If he doesn't quit his job and.

• 19:19Caleb Hammer?

  Cause. Is this something we should add, or is it gonna be like the other one?

• 19:22Speaker 00

  No, this is, uh, I wouldn't technically add it because sometimes he will work a job for about three months and then realize that child support comes out of it.

• 19:30Caleb Hammer?

  He's a failure?

• 19:31Speaker 00

  Yeah, I haven't seen him in twenty years. Um, and he owes like forty thousand dollars to my mom for child support, but what he does.

• 19:38Caleb Hammer?

  Okay, so three thousand two hundred came in. How much did you spend?

• 19:42Speaker 00

  Probably all of that.

• 19:44Caleb Hammer?

  How much did you spend?

• 19:47Speaker 00

  Um.

• 19:47Caleb Hammer?

  Your rent is so cheap. How much did you spend?

• 19:50Speaker 00

  I know I at least spent five hundred and seventy of it.

• 19:54Caleb Hammer?

  Yeah, your rent's so cheap. How much did you spend last month?

• 19:57Speaker 00

  Probably more than I made.

• 20:00Caleb Hammer?

  Three thousand six hundred. I mean, it's just, it's simple. Again, you only had seventy dollars on here. You only put twenty dollars to it. Then you've purchased a hundred and twelve. I don't get the point of that. I really don't. You could be in a world where this card is not accruing interest anymore. And it's barely accrued interest this year. It's like all of a sudden you're starting to rack up a thing on here. It's Dash Pass and Country Cloudus and Dollar Tree. You went in and got some for eight bucks? Then I think gas as well, but like I just don't get it. This is just so, what's the country? Cloudus. What'd you say?

• 20:38Speaker 00

  Country clouds.

• 20:39Caleb Hammer?

  Clouds. Clouds.

• 20:43Caleb Hammer?

  Oh, good. You're vapor two. Why? I, we're creating an archetype here, people. This is like, this is incredibly clear. Every single person does the exact same thing on this show. Sales boobies. Fucking failure in life in general, financially speaking, overspends, has an addiction of smoking clouds.

• 20:59Speaker 00

  I get, I get a deal on those, though. I do.

• 21:03Caleb Hammer?

  A deal?

• 21:04Speaker 00

  Yes, because I'm best friends with the guy at the vape store and no, no, he's gay.

• 21:09Caleb Hammer?

  Listen, I don't know you at this point. But based on what you've told me so far, okay.

• 21:14Speaker 00

  He's gay, so he gives me two that are supposed to be like fifty dollars and I get him for ten. Or like, and then I, there's like a tip system, so I do tip him because he's.

• 21:23Caleb Hammer?

  Like fifty percent?

• 21:25Speaker 00

  Sure.

• 21:25Caleb Hammer?

  Well, I mean, you spent fifteen bucks.

• 21:27Speaker 00

  Yeah, so like I get.

• 21:28Caleb Hammer?

  And how long does that last?

• 21:30Speaker 00

  Maybe like a week and a half.

• 21:30Caleb Hammer?

  Also, why? Just stop. When we were in high school, we are the same age. When we were in high school, people were not vaping yet. Like, why is this on?

• 21:39Speaker 00

  That actually started when I used to go out and it was like a social thing at first and then it just, the addiction. Oh, well, I haven't gone out in a long time, not since.

• 21:50Caleb Hammer?

  And how are you spending all this money?

• 21:53Speaker 00

  Honestly, I don't know where it goes. What?

• 21:55Caleb Hammer?

  I said, I'm gonna brush over that other thing, but if you're not going out, how do you spend all this money? Well, it's because you bring the food to you via delivery.

• 22:04Speaker 00

  Yes, that's probably where ninety percent of my money comes from or goes to, goes to.

• 22:12Speaker 00

  Yeah, because I mean, living, okay, working where I work, there is no rest, because I work in Nashville, Tennessee.

• 22:20Caleb Hammer?

  Okay, Nashville's expensive, so this town's close to Nashville?

• 22:23Speaker 00

  Yes.

• 22:24Caleb Hammer?

  You rent since, you could have such a good life, you don't understand. You could be setting yourself up for success, but you're not, how long have you been in this current job?

• 22:32Speaker 00

  Since August.

• 22:33Caleb Hammer?

  You, dude, you have so much opportunity for an incredible life and you're just saying no. You're, you're literally just telling yourself, no, I'm just gonna live in poverty for the, in my future. This makes no sense. Your living, your, your rent. You know, people usually kind of put that twenty to thirty percent. What, what is it again? Five seventy?

• 22:56Speaker 00

  Yes, five seventy.

• 22:57Caleb Hammer?

  I mean, dad pretty much takes care of that if he actually hits his payment, but if not, it's not really lying him. It's seventeen percent. This is incredible. You have the biggest opportunity in the world and you're just saying, I'm gonna DoorDash.

• 23:10Speaker 00

  More money.

• 23:11Caleb Hammer?

  DoorDash is more than rent to you, by the way. You have more money, you're spending more than you make, so I don't, what are you talking about?

• 23:18Speaker 00

  At my job, we don't have an opportunity to take lunch. Ninety-five percent of the time I don't take a lunch and I can't leave.

• 23:23Caleb Hammer?

  Okay, get some granola bars. Yeah, you're working in a merchants room, it's a little harder.

• 23:29Speaker 00

  I need more than just granola bars.

• 23:30Caleb Hammer?

  What?

• 23:31Speaker 00

  Big bag. Do you know what a big bag is?

• 23:33Caleb Hammer?

  Fat?

• 23:34Speaker 00

  Yeah.

• 23:36Caleb Hammer?

  Oh, okay.

• 23:41Speaker 00

  I mean, I, I, well, and then that's also why I after pay grocery sometimes, because if I'm gonna get, like if I'm not going to DoorDash, then you have to get food to take to work.

• 23:52Caleb Hammer?

  But, but, but you don't have to do after pay to get the food to take to work.

• 23:56Speaker 00

  Interest free.

• 23:57Caleb Hammer?

  It's interest free, but you're adding more minimum monthly payments and you miss your minimum monthly payment sometimes. You literally can't do a firm cuz you got kicked off. Can you not comprehend that?

• 24:10Speaker 00

  I haven't got kicked off of Afterpay.

• 24:11Caleb Hammer?

  No one gets kicked off of any of them. Even the worst financial people on the show have not been kicked off of them. You were kicked off. That's insane.

• 24:23Speaker 00

  Cause I kinda was an asshole and-

• 24:25Caleb Hammer?

  No, cuz you're a dump with your money. So you can't utilize those services. You are not a credit card person. You're not a debt person. You don't know how to utilize them for yourself. I'd let you use the Fiz card cuz it at least only lets you spend what's in your checking account. It's a debit card that builds credit. But even still, I think, but even still, I think you're just gonna see it as more money to spend. Yes, they have them.

• 24:51Speaker 00

  What did you say it was called?

• 24:52Caleb Hammer?

  Fiz card. I'll get you connected after the show.

• 24:56Speaker 00

  Okay.

• 24:58Speaker 00

  Can that f*** me up too? Can that f*** up your credit too?

• 25:00Caleb Hammer?

  Everything can f*** you up if you do it wrong. Your checking account, you can overdraft.

• 25:05Speaker 00

  Luckily-

• 25:05Caleb Hammer?

  You can f*** up everything.

• 25:07Speaker 00

  I don't think I've overdrafted this account yet.

• 25:08Caleb Hammer?

  Would you even know? Listen, what is this advanced financial 24/7? I've never heard of that. And that's because it's probably f***ing insane. In fact, I know it is. What possibly is this?

• 25:20Speaker 00

  Um, so-

• 25:21Caleb Hammer?

  279% interest loan. What the f***?

• 25:25Speaker 00

  Okay, so I lost my job and I needed money. I didn't wanna get evicted. This was-

• 25:30Caleb Hammer?

  You lost your job and you didn't wanna get evicted? Well, you have an emergency fund.

• 25:34Speaker 00

  I don't have it.

• 25:36Caleb Hammer?

  Then don't spend $800 a month on DoorDash.

• 25:39Speaker 00

  This was before I was making that money.

• 25:41Caleb Hammer?

  Hey, hey, hey, hey, no, now, because you don't have an emergency fund now. And if you get laid off, you're gonna take out more f***ing payday loans. So that's what's gonna happen. Listen, you didn't do it then. I'm not gonna punch you for what you didn't do, but you didn't, you're not doing it now. Now, how'd you not learn? You gotta take out a 279.5% interest loan.

• 26:00Speaker 00

  I make more money now, so I don't have to worry about it.

• 26:01Caleb Hammer?

  That doesn't make sense. If the money gets taken away by getting laid off, what the f*** you think that pay continues?

• 26:05Speaker 00

  Well-

• 26:06Caleb Hammer?

  How do you think pay works? You think they just pay because you existed?

• 26:09Speaker 00

  This was a government job, so I mean, I, this is a for real job.

• 26:12Caleb Hammer?

  Did you file for unemployment?

• 26:14Speaker 00

  No.

• 26:14Caleb Hammer?

  Why? Your paying taxes into it?

• 26:16Speaker 00

  Because I quit my job.

• 26:18Caleb Hammer?

  You said you lost your job.

• 26:19Speaker 00

  I, yeah, I lost it by quitting.

• 26:22Caleb Hammer?

  No, that's such a and wordplay dude. That's trying to gain some kind of sympathy. That's fuck. No, you left out of a choice. When?

• 26:30Speaker 00

  This was before my last job. So I want to say like two.

• 26:35Caleb Hammer?

  How long do you stay at jobs?

• 26:37Speaker 00

  I, uh, in my lifetime, I've had a lot, a lot, a lot.

• 26:41Caleb Hammer?

  It's not the answer. Well, okay.

• 26:43Speaker 00

  Oh, well, no, this is, that was the first longest job that I've ever stayed at. But then I wa- was not happy there. I was, okay, I was working from.

• 26:52Caleb Hammer?

  If you're afraid to not be able to pay rent, you go and apply to every job in the world and you only leave your job once you get accepted one, or you have enough savings to last you for a second.

• 27:01Speaker 00

  Yeah, I was kind of.

• 27:01Caleb Hammer?

  You can't leave without having money. That's.

• 27:05Speaker 00

  I was dumb.

• 27:05Caleb Hammer?

  It creates a two hundred seventy nine. Well, that's seems to be everything so far.

• 27:11Speaker 00

  I.

• 27:11Caleb Hammer?

  At least in your numbers.

• 27:12Speaker 00

  I was out on ADA and, um.

• 27:16Caleb Hammer?

  Four?

• 27:17Speaker 00

  Uh, I have lupus and so.

• 27:19Caleb Hammer?

  Really?

• 27:20Speaker 00

  I do.

• 27:20Caleb Hammer?

  Like the permanent one?

• 27:21Speaker 00

  Yes.

• 27:22Caleb Hammer?

  Okay.

• 27:23Speaker 00

  Um, so I have like these times where I get a lupus flare and I get migraines and I can't get out of bed. And all I want to do is sleep. So I was in the middle of getting ADA approved and I had missed work for a week because I couldn't get out of my bed.

• 27:37Caleb Hammer?

  You.

• 27:38Speaker 00

  And then I never.

• 27:39Caleb Hammer?

  Evelyn, why possibly? You haven't made a single payment. Thank you so much to the tens of thousands of people who downloaded my budgeting app, Simpler Budget. It means a lot. So much so that we wanted to extend our offer. There is now an extra week left to get a thirty day trial to Simpler Budget with a thirty day free trial to Simpler Budget Premium and lifetime access to my new budget friendly cookbook. On top of that, anyone who signs up for an annual membership right now or before February fourteenth, which is my birthday and renews the full price will be sent a free Founder's Edition Notebook upon renewal. All copies will be decked with our Founder's Edition stamp.

• 28:23Caleb Hammer?

  And the simpler budget logo and signed by me. Just make sure you provide us your address and your proof of purchase in the email we send you. Thanks again to everyone who's already downloaded simpler budget and you can download it right now for free at Calebhammer.com app. What the is wrong with you? What is possibly wrong with you?

• 28:44Speaker 00

  So I'll tell you what I did with that.

• 28:46Caleb Hammer?

  Nothing. You've done nothing.

• 28:47Speaker 00

  Exactly. So I took out that loan and then I realized that I couldn't pay it because I didn't have a job and

• 28:52Caleb Hammer?

  Yeah, no shit.

• 28:53Speaker 00

  So I changed bank accounts.

• 28:55Caleb Hammer?

  What do you mean? This was through your bank? Oh, you just Well, because it was gonna auto death. Is that what you're saying?

• 29:01Speaker 00

  Yes. And there was not a way that you could

• 29:05Caleb Hammer?

  It'll probably go to collections because it's not a huge amount and that's tends to be where payday loans go, but technically they could small claims you. They could go legally after you. They could. They have that right.

• 29:15Speaker 00

  Yeah, I kind of gambled because when I was younger in my early twenties, I had taken out a ton of loans and they never came.

• 29:23Caleb Hammer?

  Payday loans?

• 29:25Speaker 00

  Yeah, it was payday.

• 29:25Caleb Hammer?

  Oh, this is an ongoing cycle in your life.

• 29:28Speaker 00

  And they never came after me and I had like fifteen thousand dollars of

• 29:32Caleb Hammer?

  You listen, you did that in your early twenties. Yes, after collections are long enough, it'll fall off, but but again, you you're not able to get on a firm. You probably couldn't qualify for any kind of loan. You'd qualify for a car or whatever would be predatory today. Uh, you did that back then. Why not learn from it? I did so many dumb things throughout my early twenties and late teens, but I learned from them and do not do them now. Why are you continuing to do the same dumb? That's this endless immaturity. That is no signs of growing up in life.

• 30:05Speaker 00

  I'm impulsive.

• 30:06Caleb Hammer?

  You Did you quit this job the day you decided I don't want to work it?

• 30:12Speaker 00

  No. So actually, what happened with that is I had been out for a week because I was really sick and I had a really bad flare up. And then after that weekend, I felt better. I was like, wow, I really hate my job. I don't want to go back. So I just kept calling out until they were like, hey, um, where'd you go? And then I got my car repo.

• 30:34Caleb Hammer?

  What the fuck is wrong with you?

• 30:36Speaker 00

  Yeah.

• 30:37Caleb Hammer?

  Me, that debt's probably in here too, still then.

• 30:40Speaker 00

  P- possibly.

• 30:41Caleb Hammer?

  Probably, this, you said this was relatively recent. That doesn't fall off yet.

• 30:45Speaker 00

  But I haven't seen, well, actually technically, yes, it is on my credit report, I think. But it doesn't show as a repo. It doesn't, so I-

• 30:54Caleb Hammer?

  No, it'll likely show as the remaining balance of what it was after they sold your car.

• 30:59Speaker 00

  Lucky, because it, it sold for pretty, pretty much is like what it was worth.

• 31:05Caleb Hammer?

  Then why haven't you paid off the rest? Why not benefit yourself?

• 31:09Speaker 00

  Two hundred dollars?

• 31:10Caleb Hammer?

  There we go, that's perfect. That means you can improve your credit score like that.

• 31:13Speaker 00

  I don't-

• 31:14Caleb Hammer?

  Isn't that a better thing?

• 31:15Speaker 00

  Two hundred dollars.

• 31:16Caleb Hammer?

  You spent eight hundred on DoorDash in a single month, what are you talking about? You don't have it? No, cuz you blow it all. Your rent is nothing. You're just being a child. You don't have it. Shut up, you don't have it. You don't know what that means.

• 31:33Speaker 00

  Now.

• 31:34Caleb Hammer?

  What's in your checking account right now?

• 31:38Speaker 00

  Let's look. It is, um, one hundred and thirty-nine dollars.

• 31:43Caleb Hammer?

  What's your next pay?

• 31:45Speaker 00

  Uh, this coming Friday.

• 31:47Caleb Hammer?

  Uh huh, and then where's it going?

• 31:49Speaker 00

  Actually, nothing comes out of this one, so it's not going anywhere.

• 31:51Caleb Hammer?

  I'm not saying pay that off. Let's go, let's figure out the debt strategy at the end. But that is not true, that you just don't ever have that money. You blow it!

• 31:59Speaker 00

  Okay, so, but then I-

• 32:01Caleb Hammer?

  You can blow it. What are you talking about? And then an additional five hundred eight dollars and just other miscellaneous bullshit. And then other large purchases, seven hundred fifty-five will determine whether or not they're necessities. Probably not. Necessary food was barely pennies.

• 32:15Speaker 00

  Necessary, necessary.

• 32:16Caleb Hammer?

  I eat groceries.

• 32:19Speaker 00

  Because it shows us after pay. It's not gonna show you.

• 32:22Caleb Hammer?

  But, no, we still calculate the fucking spending.

• 32:27Speaker 00

  But on my

• 32:27Caleb Hammer?

  Dude, the payments on these were eleven dollars and seventy cents. You could have paid eleven dollars and seventy fucking cents. Are you kidding me?

• 32:37Speaker 00

  On my advanced financial?

• 32:39Caleb Hammer?

  Yes.

• 32:41Speaker 00

  The payments were

• 32:42Caleb Hammer?

  Yes.

• 32:45Speaker 00

  There is no way.

• 32:46Caleb Hammer?

  Yes, it's literally on the, on the accounts. All you have to do is just look, look with your fucking eyes.

• 32:54Speaker 00

  I, it was way more. How would my payments be

• 32:57Caleb Hammer?

  It's literally fucking stupid. It's right there. No, the whole thing was a thousand. You think just because your credit card bills a hundred sixty-four on there, you think that's what you owe? No, it's a twenty dollar minimum payment on your credit card. This has a minimum payment too, and it's eleven dollars and seventy cents. Now, of course, your past due eight hundred sixty-three because you're being a dumb

• 33:18Speaker 00

  You know?

• 33:19Caleb Hammer?

  Total interest charged so far, nine hundred twenty-six dollars. How much did you even borrow? Do you remember?

• 33:25Speaker 00

  I don't, actually.

• 33:26Caleb Hammer?

  Seven hundred eighty, I think, and it's gone up double. It's doubled. Well done. It's doubled. Congratulations. You're fantastic. You're so good at this.

• 33:36Caleb Hammer?

  Two hundred seventy-nine point five percent interest rate.

• 33:40Speaker 00

  What was the interest rate?

• 33:41Caleb Hammer?

  Two hundred seventy-nine point five.

• 33:44Speaker 00

  I never looked at the interest rates when I did it. I, you know,

• 33:46Caleb Hammer?

  You don't look at anything. You didn't know I had a minimum payment. So no

• 33:49Speaker 00

  So when that was going on, I just kinda, you know what I Googled? I Googled payday loans for back credit. And I just accepted whatever.

• 33:58Caleb Hammer?

  Every payday loan.

• 33:59Speaker 00

  No, actually, no. A lot of them I got denied for. And then the couple that I did get, I was like, cool. I got money. I'm not gonna get evicted.

• 34:09Caleb Hammer?

  I'm never gonna get approved, approved for another parent.

• 34:12Speaker 00

  No, I'm probably there forever.

• 34:14Caleb Hammer?

  You've destroyed your life.

• 34:16Speaker 00

  Yeah, I'm a dumb bitch.

• 34:18Caleb Hammer?

  Yes, but fix it. It's, are you like, you're like proud of that?

• 34:23Speaker 00

  I'm not.

• 34:24Caleb Hammer?

  You're proud that you're acting like trash. Why do you want to be trash?

• 34:29Speaker 00

  I'm not trying to be trash.

• 34:31Caleb Hammer?

  You just said, I'm a dumb bitch.

• 34:33Speaker 00

  Acknowledging it.

• 34:35Caleb Hammer?

  If you acknowledge it, then change it. What's the, isn't it even worse to be able to acknowledge it, but not change it? If you're ignorant, you're ignorant. You don't know. That is fine. You can be informed and then you change things. But if you're informed and you're choosing not to, that just means you're being extra trash.

• 34:52Speaker 00

  I feel like acknowledging it and being aware of it is the lesser of the two evils, rather than being ignorant.

• 34:57Caleb Hammer?

  No, it.

• 34:59Caleb Hammer?

  Do you understand what ignorance means? It means you just don't know.

• 35:02Speaker 00

  Yeah.

• 35:03Caleb Hammer?

  You just don't know, but I can't fault you for not doing something you don't know about. You do know it and you're choosing not to.

• 35:11Speaker 00

  You gotta do what you gotta do.

• 35:12Caleb Hammer?

  Gotta do what you gotta do. You're doing nothing. You're trying to live a high life. What do you mean gotta do what you gotta do? You're not doing any gotta do.

• 35:19Speaker 00

  When you quit your job and you.

• 35:21Caleb Hammer?

  You quit your job at like a dumb. You didn't have anything saved. You didn't try to take out a personal loan or anything. You went dumb.

• 35:30Speaker 00

  I wouldn't get approved for a personal.

• 35:31Caleb Hammer?

  So you extra can't do it. You didn't have anything saved and you didn't have a job lined up. You could have go work at McDonald's the next.

• 35:38Speaker 00

  I did get a job within like three weeks of quitting that.

• 35:41Caleb Hammer?

  Yeah, but you had to take out a payday loan to pay rent.

• 35:44Speaker 00

  I did.

• 35:45Caleb Hammer?

  Yeah. So shut the up. There's nothing to be proud of there. You didn't accomplish anything. You're not doing what you gotta do.

• 35:53Speaker 00

  I'm still in my apartment. I'm still in my apartment.

• 35:55Caleb Hammer?

  Cause you have no other choice. You wouldn't be approved anywhere else and that rent is incredible.

• 36:00Speaker 00

  Amazing.

• 36:01Caleb Hammer?

  What?

• 36:02Speaker 00

  Just amazing.

• 36:05Speaker 00

  You have pretty eyes.

• 36:06Caleb Hammer?

  Oh, okay. We're not doing, I'm not sending you money for tits, dude.

• 36:11Caleb Hammer?

  Not how this is gonna work. That is not your way out of debt.

• 36:13Speaker 00

  Send you mine.

• 36:15Caleb Hammer?

  I know so many in my life. I'm not gonna out them, but every time he sends, shlong picks the women.

• 36:20Speaker 00

  Yeah.

• 36:22Caleb Hammer?

  He takes them from Twitter. It's never his.

• 36:24Speaker 00

  It's a business.

• 36:25Caleb Hammer?

  And I don't do any because it'd be way too risky for me, so.

• 36:28Speaker 00

  It's a.

• 36:29Caleb Hammer?

  Also, no one wants long pics. No one cares about that. Boobs are beautiful. Who wants to stick dick?

• 36:33Speaker 00

  Nah, they look ugly.

• 36:35Caleb Hammer?

  They do?

• 36:36Speaker 00

  They look like aliens.

• 36:37Caleb Hammer?

  Thank you for the compliment.

• 36:38Speaker 00

  You're welcome.

• 36:39Caleb Hammer?

  Your eyes are far apart.

• 36:41Speaker 00

  You know what? You know what's crazy is when I worked at this other job one time, I, um, these mean girls, I was working in the ER. They made a meme about me of Sid the Sloth.

• 36:52Caleb Hammer?

  Wait, why?

• 36:53Speaker 00

  They put eyeliner on it because they said that my eyes were so far apart that I look like Sid.

• 36:58Caleb Hammer?

  Well, I shouldn't have said that then. I was just trying to joke.

• 37:00Speaker 00

  Thanks a lot. Four eyes.

• 37:03Caleb Hammer?

  It's true. Dude, I like Q in glasses. Also, it covers up my eye bags because I got, zoom in on these things.

• 37:10Speaker 00

  You don't.

• 37:10Caleb Hammer?

  Oh, these things are like, I'm like dying.

• 37:13Speaker 00

  They look like pillows that I could lay my head on.

• 37:15Caleb Hammer?

  We are not going down this train, dude. We're talking about debt. I'm easily distracted. You gotta stop. What is this for? Tiva retail credit?

• 37:25Speaker 00

  Oh, um, so about that, uh, that is, so have you ever heard of Invisalign?

• 37:32Caleb Hammer?

  Mm hmm.

• 37:32Speaker 00

  Um, so this is actually kind of like.

• 37:34Caleb Hammer?

  You don't look like you've worn them.

• 37:36Speaker 00

  I know I did, but then I stopped wearing them. So this is, this is the cheaper version of Invisalign. It's called Byte. Um, I paid, I think it was like closer to $3,000 for it. I did go.

• 37:47Caleb Hammer?

  I'm not opposed to that. It's a self confidence thing. Very big in America having straight teeth. Very important. I'm not opposed to that, but go on.

• 37:55Speaker 00

  Uh, I wore them for four months, like I was supposed to, and then I stopped wearing the retainer. So my teeth went straight back.

• 38:00Caleb Hammer?

  Why? I don't get it. I don't understand these people who don't wear their retainers. Why would I go through it again? Why would I go through braces in middle school again? I don't get it. Because where your fucking retainer?

• 38:10Speaker 00

  Well, because it's the cheaper ass version of it. You have to wear the fucking retainer for 22 hours a day and I got sick of that. So.

• 38:17Caleb Hammer?

  Forever? 22 hours a day?

• 38:18Speaker 00

  Yes.

• 38:19Caleb Hammer?

  What if you just wore them a night, though?

• 38:21Speaker 00

  I could probably get away with that, but then I was afraid of.

• 38:24Caleb Hammer?

  Why not even try?

• 38:25Speaker 00

  I was afraid of swallowing it.

• 38:26Caleb Hammer?

  Swallowing? And what, how is it? What do you mean?

• 38:29Speaker 00

  Irrational fears. Okay. I thought it was gonna like pop out and like come into my mouth.

• 38:32Speaker 02

  That's what she said.

• 38:34Caleb Hammer?

  It's not Smeggo, man. You don't have to be afraid of that shit, dude.

• 38:39Caleb Hammer?

  This doesn't make sense. This was financed fake Invisalign?

• 38:44Speaker 00

  Yes.

• 38:45Caleb Hammer?

  All right, let's be real for a second. Dealing with car insurance is absolute death. One minute you think you're getting a decent rate and the next you're hit with some random $50 fee. Don't even get me started on trying to compare different companies. It's like trying to find a needle in a pile of taquitos. You're probably getting ripped off without even knowing it. But here's where you can stop this madness. Head over to money.com where they'll help you compare multiple car insurance options all in one place. It's literally built for people like us who are tired of overpaying and being in the dark about better deals. Whether you're looking for full coverage, liability, or even something in between, they've got options to compare that could help you save hundreds a year without the hassle. And the best part, it's quick.

• 39:28Caleb Hammer?

  No need to waste hours scrolling through sketchy insurance websites. Just click the link in the description, compare your options, and find a better deal to watch the savings roll in. So if you're tired of throwing dumb, dumb money at overpriced insurance, check out money.com at the link in the description below and you can start saving now. Stop paying more than you need to. Your wallet will thank you later. This is a paid endorsement sponsored by money.com, which is compensated by its marketing partners. Why is it past due 315 fucking dollars? Why can't you just pay a damn bill? And especially since you're getting a free, what was it, 4,000 or 2,000 from that dude?

• 40:05Speaker 00

  Yeah.

• 40:05Caleb Hammer?

  Like, why isn't that going to anything productive at the very least?

• 40:09Speaker 00

  Cause I bought an iPad with that.

• 40:11Caleb Hammer?

  Yeah, it fixes teeth. Why not pay your damn bills? I want to at least understand that. Why not pay your bills?

• 40:18Speaker 00

  Because it was like the idea of I got what I wanted when I wanted it and then...

• 40:24Caleb Hammer?

  Yeah.

• 40:25Speaker 00

  And then you forget about it.

• 40:29Caleb Hammer?

  But a minimum monthly payment you can just set up.

• 40:32Speaker 00

  But then you lose out on the money.

• 40:33Caleb Hammer?

  What was the minimum monthly payment on this?

• 40:35Speaker 00

  I think it was like...

• 40:36Caleb Hammer?

  You lose out on the money. This is why you cannot, you cannot, you cannot finance groceries. If that is your mindset, if that is your fucking mindset, then you cannot finance groceries.

• 40:45Speaker 00

  Because I get like $200 worth of groceries.

• 40:47Caleb Hammer?

  Cause you eat out every day, every second of your life. Your spending accounts insane towards the end of this.

• 40:52Speaker 00

  Oh, well, I'm, this is the first time I've made this kind of money so I can afford it.

• 40:56Caleb Hammer?

  No, you, you cannot, you, are you actually stupid? Let me, I, I like, I have to ask that real quick before I just explain this again. Is there stupidity?

• 41:06Speaker 00

  Maybe some of the tism.

• 41:08Caleb Hammer?

  A little tism? Everyone has it. That's okay. You spent hundreds more than you made in a month. No, you cannot afford it because you make more money. You spent more money. I need that to [__] it. I need you to be able to comprehend that.

• 41:24Speaker 00

  I had it, so I spent it. But you know what?

• 41:26Caleb Hammer?

  You spent more!

• 41:28Speaker 00

  It never went negative!

• 41:31Caleb Hammer?

  No, it's because debt's going up. You've... Debt is going up. The first credit card, the debt went up. I don't know if this is complicated. It's not complicated.

• 41:45Speaker 00

  Your eyes look pretty.

• 41:46Caleb Hammer?

  Stop! What the [__] are you doing? What are you trying... Are you trying to be cutesy or something?

• 41:51Speaker 00

  No, I'm just complimenting you.

• 41:53Caleb Hammer?

  Stop! You already said the eye thing.

• 41:55Speaker 00

  Okay, your hair looks nice.

• 41:56Caleb Hammer?

  Stop! What are we doing?

• 41:58Speaker 00

  Am I not allowed to compliment you?

• 41:59Caleb Hammer?

  No! How about let's... Dude, I am trying to have the [__] financial conversation. What are you...

• 42:05Speaker 00

  We're having it, and I'm just sprinkling in some nice things.

• 42:08Caleb Hammer?

  I'm gonna [__] die. You [__] kill me. This doesn't make sense. You're being so stupid. You're being so stupid. You're trying to cutesy your way through this conversation instead of facing any confrontation in your life for the first time. You're probably used to people just beating around the bush, not actually telling you how it is.

• 42:30Caleb Hammer?

  What was the minimum monthly payment normally on this? Come on!

• 42:33Speaker 00

  I think it was like a hundred and fifty dollars. Maybe.

• 42:36Caleb Hammer?

  So you passed due only a couple of months?

• 42:38Speaker 00

  No, I think that's in collections due.

• 42:41Caleb Hammer?

  This is in collections too?

• 42:42Speaker 00

  I think so.

• 42:46Caleb Hammer?

  Why would I have the statement from them if it's in collections?

• 42:49Speaker 00

  Because I got that off the website.

• 42:51Caleb Hammer?

  Yeah, why would they have a statement for you if they sold it off to collections? They probably wouldn't have. I don't know. Unless it literally...

• 42:59Caleb Hammer?

  Sure.

• 43:01Speaker 00

  Okay.

• 43:02Caleb Hammer?

  Where, where are you in life right now? Literally, do you have goals?

• 43:08Speaker 00

  Yes, I'm in school right now.

• 43:10Caleb Hammer?

  You're in school?

• 43:11Speaker 00

  I am in school.

• 43:12Caleb Hammer?

  For what?

• 43:13Speaker 00

  Uh, criminal justice.

• 43:15Caleb Hammer?

  That has nothing to do, okay.

• 43:17Speaker 00

  Nothing to do with what?

• 43:18Caleb Hammer?

  Wait, wait, what are you gonna do with criminal justice? Well, it's just you're in Vet Tech, so it's weird.

• 43:22Speaker 00

  Oh, no, I wanna get out of that. I fucking hate my job.

• 43:24Caleb Hammer?

  Well, you wanna get out of every job you've ever been in, so I'm a little that you're getting a career.

• 43:28Speaker 00

  No.

• 43:29Caleb Hammer?

  Degree because you're gonna leave it.

• 43:31Speaker 00

  I've always been interested.

• 43:32Caleb Hammer?

  What do you wanna do in criminal justice?

• 43:33Speaker 00

  I wanna work for the FBI.

• 43:35Caleb Hammer?

  Doing what?

• 43:36Speaker 00

  Uh, you know, criminal investigation.

• 43:38Caleb Hammer?

  What do you need for that?

• 43:39Speaker 00

  Uh, you need a bachelor's degree. And then you have to go to like, uh, a special kind of training.

• 43:44Caleb Hammer?

  Who's gonna trust you with anything?

• 43:46Speaker 00

  I don't know. That's why I'm going to school for it.

• 43:48Caleb Hammer?

  If you ever

• 43:50Speaker 00

  They may trust me because I have a degree.

• 43:52Caleb Hammer?

  Like your family relying on you for anything. If you're ever, if you ever got married, if you ever had kids, if working for the FBI, I don't get it. You're a little trying to be cutesy around this, not even caring about making a payment on anything. How are you gonna be responsible enough to deal with anything in your life? I couldn't trust you for anything.

• 44:12Speaker 00

  I have a house.

• 44:13Caleb Hammer?

  Huh?

• 44:15Speaker 00

  I have an apartment, I have a car.

• 44:16Caleb Hammer?

  I'm not saying you're homeless. You have, you have a minimum monthly, uh, apartment payment or anything. You don't own a home and your car has a loan on it, so.

• 44:25Speaker 00

  Uh, technically, my car doesn't, doesn't have a loan on it. That's a, that's a slippery slope.

• 44:33Speaker 00

  Uh, yeah.

• 44:34Caleb Hammer?

  We'll get there, I guess.

• 44:36Speaker 00

  Okay, so my last clinic that I worked for, okay?

• 44:40Caleb Hammer?

  Well, okay, when I said we'll get there, does that mean you're getting there now?

• 44:43Speaker 00

  Yes, I am telling the story. So, but the last clinic that I worked for, the boss, like the big, big boss, he sold out his

• 44:51Caleb Hammer?

  A big, big boss.

• 44:51Speaker 00

  Yes, big, big boss that opened the clinic originally, sold it out to a big company. But for whatever reason, he was still in the building. I guess he had like some kind of contract. Well, I knew his granddaughter in high school. Hold on, hold on. I knew his granddaughter in high school. We used to be best friends. Um, and so when I first started working there, he happened to come out of his office because he was notorious for being drunk and always being drunk in that office doing god knows what when he wasn't even supposed to be there. And he comes out of his office stumbling, asking me, you know, like, hey, how are you? You know, you're working here. And I told him I knew his granddaughter. And then I was his friend or her friend. So he's like, hey, come talk to me in my office or whatever. And this is right after I got my car repoed.

• 45:35Caleb Hammer?

  With you in the first story, I have no idea where this is going.

• 45:39Speaker 00

  He is just talking to me like normal. And then my sister texts me because my sister is having to take me from to and from work. Her and my mom are taking me to and from work. So I look at my phone and I say, hey, I'm sorry for being rude. Um, my sister just texted me, she's here to get me. He said, well, why is your sister getting you? And I said, well, I don't have a car. And he gets out, he's like, why don't you have a car? And I said, I didn't want to tell him I got it repoed. So I told him that I just gave my car back. And I just was gonna get a new one. So he bought me a car. He bought me a car.

• 46:09Caleb Hammer?

  Mm hmm.

• 46:11Speaker 00

  But this is the thing is I pay him $200 a month for this car. But I'm actually trying to get out of it because.

• 46:22Caleb Hammer?

  How do you get out of it?

• 46:23Speaker 00

  This is where I'm getting to. So I'm gonna have to buy another car. And I was looking because I applied for, I think it's like a, it's a Capital One Auto something or another.

• 46:33Caleb Hammer?

  And?

• 46:34Speaker 00

  I applied for that and you get pre-approved. And they had some that I saw the payments were gonna be like 500 and something dollars a month with like.

• 46:41Caleb Hammer?

  No, no, no, no, no, no, no, no. No, no, no, no.

• 46:44Speaker 00

  Wait, with like 30% interest.

• 46:47Caleb Hammer?

  Ah.

• 46:48Speaker 00

  Which is better than the 300 interest that I had. So I thought it was okay.

• 46:54Caleb Hammer?

  300, 300.

• 46:55Speaker 00

  On the advanced financial one, 279.

• 46:57Caleb Hammer?

  That's not for, that's not for a car.

• 46:59Speaker 00

  But it's 30% interest. So I was like, okay, that's not that bad.

• 47:02Caleb Hammer?

  Are you?

• 47:03Speaker 00

  And then I can afford.

• 47:04Caleb Hammer?

  How are you alive?

• 47:05Speaker 00

  590 dollars because I don't, this is why I.

• 47:09Caleb Hammer?

  It's not about a 40.

• 47:10Speaker 00

  No, no, no, no, no. This is why I want to get out of this is because this man actually admitted.

• 47:15Caleb Hammer?

  Oh, okay.

• 47:17Speaker 00

  But he was like a dirty old man. Okay. So it wasn't like that bad. Like I couldn't like defend my, it wasn't like a thing where I was scared for my life or whatever, because I could have like broke his leg because he's got osteoporosis or something. But I just.

• 47:30Caleb Hammer?

  Then what?

• 47:31Speaker 00

  How am I supposed to defend myself if an old man gets pushed downstairs after he sticks his nasty tongue in my ear and sticks his hand up my shirt? How am I supposed to prove that because he was in the area with no cameras? So I can't push an eighty year old man down the stairs.

• 47:45Caleb Hammer?

  Okay, can I ask, um, how long ago is that?

• 47:48Speaker 00

  Uh, that was like two or three weeks ago because my mom.

• 47:52Caleb Hammer?

  That was two weeks ago?

• 47:54Speaker 00

  What? No, no, no, no, no, no, no, no, no, no, no.

• 47:56Caleb Hammer?

  How long? Yes, how long?

• 47:57Speaker 00

  Um, that was in like August, September?

• 48:01Caleb Hammer?

  Yeah, I don't, I, I don't want you to get away from that connection as well. Um, can you just stop paying it? And okay, the thirty percent car loan would be absolutely insane for you. Can you just stop paying it and your sister resumes the pick off, stop off?

• 48:13Speaker 00

  He has a lien on it. That my name is on the title.

• 48:17Caleb Hammer?

  No.

• 48:18Speaker 00

  But he has a lien on it. That was the.

• 48:21Caleb Hammer?

  What?

• 48:21Speaker 00

  Yes.

• 48:22Caleb Hammer?

  Oh, so he could just have like extra control?

• 48:25Speaker 00

  Yeah, so the way that it worked.

• 48:27Caleb Hammer?

  So you can't just get out of it?

• 48:29Speaker 00

  Like, but they lied to me and said that there was a contract, but there, I don't remember signing anything having to do with the contract.

• 48:34Caleb Hammer?

  Is it on your credit?

• 48:35Speaker 00

  No, it's not. He paid.

• 48:37Caleb Hammer?

  The title's under your name?

• 48:38Speaker 00

  Yes.

• 48:39Caleb Hammer?

  Loans under his name?

• 48:41Speaker 00

  No, it's paid in full. So he.

• 48:44Caleb Hammer?

  Oh, it's a loan to him?

• 48:45Speaker 00

  Sort of, so what had happened was is my, my uncle, um, works for a car dealership. And so we found a car at the car dealership and so my practice manager from them, not the boss that bought me the car, but the practice manager that works under him, had gone with me and she just wrote a check for however much the car was in total. And then I put my name on the title, but he was a lien holder. So the car is completely paid off. There's no payments, but I owe him for however much he paid.

• 49:17Caleb Hammer?

  Oh, contractually?

• 49:18Speaker 00

  Yes, but there is no contract. We never.

• 49:22Caleb Hammer?

  Are you sure though?

• 49:23Speaker 00

  Yes, because I never signed anything.

• 49:25Caleb Hammer?

  Then how could he be a lien holder without a contract?

• 49:27Speaker 00

  I, I, I don't know.

• 49:28Caleb Hammer?

  Can you talk to your uncle? Have you talked to your uncle?

• 49:30Speaker 00

  He'd have to pull up the pay or the, the, because he was there.

• 49:33Caleb Hammer?

  This is obviously important. Why don't you not have to pull up the paperwork?

• 49:36Speaker 00

  I think it's just a, a thing to where he can be like, hey, I want that back, but I didn't know.

• 49:41Caleb Hammer?

  Just, I would just.

• 49:43Speaker 00

  But then what do I do? But then I work an hour from where I live, so I can't just have my sister.

• 49:48Caleb Hammer?

  To get you away from a freak, an absolute piece of shit. I would, with, listen, you have more money on a monthly basis. Like you have money because your living expenses are relatively low. You're fucking up your money, but to get away from this absolute fucking horrible person. I would rather you pay for an Uber there and back every day. And I know that's crazy, but for a temporary basis, while we clean this up.

• 50:13Speaker 00

  Yeah, that's, that's one of my biggest.

• 50:15Caleb Hammer?

  See if we can borrow cars, see, you know, whatever we can do.

• 50:18Speaker 00

  That's why I was, because I was thinking about having my mom co-sign for me.

• 50:22Caleb Hammer?

  No, no, no, no, it's the thirty, no, no, no, no, no, no, but also I don't like the co-sign then as well. Because you are not responsible with your credit. You are not. So you've had a car repo before. Like, do not get your mom tied up in this situation.

• 50:37Speaker 00

  I didn't make as much money as I did now.

• 50:38Caleb Hammer?

  I don't get that. It's not a, it's not a making money thing for you. You, it's not about how much money you made back then. Again, you quit your job. That's why the car got repo'd. It wasn't because of how much you were making at that last job. The same thing could happen now and you haven't sacrificed anything to save up a single cent for an emergency fund. And you already just confessed a few minutes ago that you hate this current job.

• 50:56Speaker 00

  I think I have a cent in my savings account.

• 50:57Caleb Hammer?

  Stop, stop. That's not a fucking joke. I'm trying to get you away from this creep. There are actual real implications here in life besides just the money part.

• 51:08Speaker 00

  Yeah, I know. I don't want anything to owe to him.

• 51:10Caleb Hammer?

  That's what I'm trying to help with.

• 51:12Speaker 00

  But then the thing is too, is like my mom, she has kind of talked down on, she's like, no, he, he bought you a car.

• 51:18Caleb Hammer?

  Okay. Well, does she know the whole story?

• 51:19Speaker 00

  Yes.

• 51:20Caleb Hammer?

  Well, tell her to fuck that. I don't care.

• 51:22Speaker 00

  Yeah, she downplayed it, but then my uncle, when he found out, he was like, when does he work? I want to know when he works.

• 51:27Caleb Hammer?

  Yeah, yeah, yeah, yeah. No, your mom's being a piece of, I mean, that, that happens. You're just, you're just gonna have to tell her to fuck off. I, I don't know. I'm sorry. That sucks, but you can't convince someone.

• 51:39Speaker 00

  It was like an eight-year-old man.

• 51:41Caleb Hammer?

  Okay. When you see him, does he try to make moves and stuff?

• 51:44Speaker 00

  He has actually asked.

• 51:45Caleb Hammer?

  You need to get away from this.

• 51:47Speaker 00

  No, I mean, I don't see him anymore because I don't work for that clinic anymore. That's exactly the reason.

• 51:50Caleb Hammer?

  Oh, okay. I misheard that. Okay. So we're, we're safe in general in that situation?

• 51:54Speaker 00

  But it's just, I don't want to owe him anything.

• 51:56Caleb Hammer?

  No, and I don't want you to either.

• 51:58Speaker 00

  Yeah.

• 51:58Caleb Hammer?

  Figure out this contract thing from uncle first. So if he's not able to take away the car, then there you go. Just stop paying and keep the car.

• 52:06Speaker 00

  Yeah, because the practice manager, that's like his little minion. She won't leave you the

• 52:10Caleb Hammer?

  Dude, why haven't you talked to your uncle about just finding the paperwork?

• 52:13Speaker 00

  I've tried and he, I don't know what's going on with him. He, he's just acting weird. He's tried it because where he works in a car dealership. He's been trying to put me in a car, but then he found like a car that was worth fifteen thousand dollars. He, that was worth fifteen thousand dollars and they wanted me to put a five thousand dollar payment down before they would even allow me to finance it.

• 52:32Caleb Hammer?

  Yeah, probably because you couldn't qualify for the full financing. That makes sense.

• 52:35Speaker 00

  Nope.

• 52:36Caleb Hammer?

  Okay, that's not, okay.

• 52:39Speaker 00

  But then, and then, another, another big expense is my school. I have to pay out of pocket for it. I don't get federal funding. Because

• 52:48Caleb Hammer?

  How much is your school right now?

• 52:49Speaker 00

  Um, I took two classes and I think I paid

• 52:52Caleb Hammer?

  Two classes? You're going, you're going to graduate twenty fifty?

• 52:54Speaker 00

  I have to get my GPA up before I can get federal financing because I have

• 52:59Caleb Hammer?

  Financial, so you're just looking for loans regardless? What's wrong with cash flow in school? There's nothing wrong with cash flow in school. Your rent is

• 53:06Speaker 00

  The only, the only reason that I'm not qualified for that is because I've taken out school loans before. That is, I have school loans, but I had changed my major and dropped out and it fucked up my GPA.

• 53:16Caleb Hammer?

  Dude, you, you, you, you're not able to commit to anything in life. I don't want you to go to school. I, I really don't. I want everyone to go to school who wants to go to school. You can't commit to anything in life.

• 53:25Speaker 00

  This is what I really want to do.

• 53:27Caleb Hammer?

  For right today.

• 53:28Speaker 00

  No, I got a meds. I'm not crazy anymore.

• 53:30Caleb Hammer?

  Stop it, stop it. You've dropped out of school. You changed majors. You quit every job in every few months. Listen, you're going to go into debt for this school and then you're not even going to do, want to do the thing. Let me gift you a course, career certification. Let me do that. There's that criminal justice on there, but see if at least any of those, take the free class. See if, if you associate with any of the programs there. Maybe, I don't, I don't know. I'm good with the criminal justice thing. You're just in and out of things so quick.

• 53:54Speaker 00

  Because I used to be crazy.

• 53:56Caleb Hammer?

  Dude, you, come on.

• 53:57Speaker 00

  I know, I'm, I'm on anti crazy medications now.

• 54:00Caleb Hammer?

  Oh, like different kind of crazy? Well, I don't like, it's, listen, um. I have a note that says you just got into an accident of this car?

• 54:08Speaker 00

  I did.

• 54:09Caleb Hammer?

  Oh, what?

• 54:09Speaker 00

  That was not my fault.

• 54:10Caleb Hammer?

  No, I don't give a [bleep]. Tell me about the accident.

• 54:13Speaker 00

  Um.

• 54:13Caleb Hammer?

  And the condition.

• 54:14Speaker 00

  I was literally on my way to work. I was like, I had left an hour early and I was like, super excited because I was just feeling good that day. And I was like, you know what? I'm feeling good. And then I, it's raining and we're having construction on the road.

• 54:27Caleb Hammer?

  Dude, just tell me about the [bleep] accident.

• 54:29Speaker 00

  Rear ended, like going forty miles an hour. I was at a complete stop and this motherfucker hit me going forty miles an hour, separated my exhaust.

• 54:37Caleb Hammer?

  And how's the car?

• 54:38Speaker 00

  My muffler.

• 54:38Caleb Hammer?

  Okay.

• 54:39Speaker 00

  And he didn't have insurance.

• 54:41Caleb Hammer?

  So just muffler's gone?

• 54:42Speaker 00

  No, like my, the tail end is [bleep] up.

• 54:45Caleb Hammer?

  Yeah.

• 54:46Speaker 00

  He fucked my alignment. Um, the muffler, it, my.

• 54:48Caleb Hammer?

  Okay, how's she driving?

• 54:50Speaker 00

  Huh?

• 54:50Caleb Hammer?

  Is she drivable?

• 54:51Speaker 00

  I sound like I have a [bleep] rice burner when I drive a lesbian car.

• 54:54Caleb Hammer?

  But is it, is it good?

• 54:55Speaker 00

  Not really, no.

• 54:56Caleb Hammer?

  Okay, then it, so it's not safe?

• 54:58Speaker 00

  Not really, no.

• 54:59Caleb Hammer?

  Okay.

• 54:59Speaker 00

  I'm driving it on the interstate for an hour and a half of the day.

• 55:01Caleb Hammer?

  You can afford to take it to someone if you want.

• 55:04Speaker 00

  But is it really worth it to fix the car? Yes, but he doesn't have insurance. So I'm fighting with my insurance to try and figure out what's going on with them.

• 55:12Caleb Hammer?

  Absolutely.

• 55:13Speaker 00

  And it's, it's not, because the police officer that ran that report, he didn't even have his driver's license with him and he didn't give a [bleep] because it was shift change. So I have no information on this guy, so I'm having to figure out who the [bleep] this is.

• 55:26Caleb Hammer?

  Oh, my [bleep], okay. How much is still owed on this car? Let's at least document it.

• 55:32Speaker 00

  I'm gonna say it round.

• 55:32Caleb Hammer?

  You said it's a two hundred dollar minimum monthly payment to the creep?

• 55:35Speaker 00

  Yeah, and I think I have like ten thousand dollars left on it.

• 55:38Caleb Hammer?

  Also wouldn't be the worst thing in the world to just come up with ten thousand dollars as quick as we can and pay him off if you do owe him. If you do owe him. I don't want it to go to him either, but if we're just literally thinking about you moving on.

• 55:50Speaker 00

  Yeah.

• 55:51Caleb Hammer?

  You know, get away from him so you never even have to think about him again.

• 55:55Speaker 00

  It just makes me feel sick to my stomach.

• 55:56Caleb Hammer?

  Me too.

• 55:56Speaker 00

  Giving him ten thousand dollars.

• 55:58Caleb Hammer?

  Me too, but like literally if there's a legal thing, like a legal loan here.

• 56:03Speaker 00

  Yeah.

• 56:04Caleb Hammer?

  You know, it's a little different, right? Than a moral thing.

• 56:08Speaker 00

  Yeah.

• 56:09Caleb Hammer?

  It's like, there might be illegal things. Okay, this is what I was supposed to talk about next before we talked about the car, but that's okay. Uh, what is this? What the [bleep] is this? What is this? What did you get? Oh, it's at a hundred fifty nine point five, seven percent interest. What is this? You borrowed nineteen hundred for something, then the interest on it, the interest charges a thousand four hundred thirty six. What is this?

• 56:27Speaker 00

  What is the

• 56:28Caleb Hammer?

  Are you always making payments? Probably not. You never do.

• 56:31Speaker 00

  What's the name on it? I'll recognize it if I know it.

• 56:34Caleb Hammer?

  There is no name.

• 56:37Caleb Hammer?

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

• 57:19Caleb Hammer?

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

• 57:46Speaker 00

  Oh, yeah, um, that was

• 57:49Caleb Hammer?

  Give.

• 57:50Speaker 00

  Sorry. Nope. Don't make payments for that anymore.

• 57:55Caleb Hammer?

  Of course not. Why would I? Why do I have a statement then?

• 57:58Speaker 00

  Because I think it just went into it. But I do, um, oh, I know where some of my money goes. I just thought about it.

• 58:06Caleb Hammer?

  16681 a month. Okay. And it's probably 1,900 bucks owed, but the interest is going to accrue. Like Matt, when did you take this out and for what possibly? Why the?

• 58:17Speaker 00

  I think it was one of the payday loans that I

• 58:19Caleb Hammer?

  Why not? So in between the job change, you took a multiple?

• 58:23Speaker 00

  Yeah, I think it's up to like 9,000 of them.

• 58:26Caleb Hammer?

  9,000 payday loans? That's fucking insane. You're, you're throwing away your life.

• 58:32Speaker 00

  And then I did think of some of where the money is going now. I've, I financed a couch and a laptop.

• 58:42Caleb Hammer?

  Yeah, it's funny. It's so cute.

• 58:44Speaker 00

  Like Aaron's. Well, you know what? I needed a couch and I needed a computer.

• 58:47Caleb Hammer?

  You didn't need a couch and the computer probably, I'm sure you could have got a Chromebook and you'd have been fine. What kind of computer did you get?

• 58:52Speaker 00

  It's a Victus.

• 58:55Caleb Hammer?

  I actually don't know.

• 58:56Speaker 00

  I mean, I'm a gaming person, but.

• 58:58Caleb Hammer?

  Wait.

• 58:59Speaker 00

  No, wait, wait, no, no, no, I have, I have, I have two different, I have a laptop and I have a desktop.

• 59:05Caleb Hammer?

  Sell the desktop.

• 59:07Speaker 00

  I am not selling my $6,000 desktop.

• 59:10Caleb Hammer?

  Your $6,000 desktop?

• 59:12Speaker 00

  I did not, I did not, I did not pay $6,000 for it.

• 59:17Caleb Hammer?

  How much did you pay?

• 59:18Speaker 00

  Two thousand. Ah, that's where this came from. Okay, now, now I, now I remember.

• 59:22Caleb Hammer?

  Wait, what?

• 59:24Speaker 00

  Okay.

• 59:24Caleb Hammer?

  Wait, what are you saying?

• 59:26Speaker 00

  Okay, so my desktop.

• 59:28Caleb Hammer?

  This conversation is never gonna end.

• 59:30Speaker 00

  This is my PC.

• 59:31Caleb Hammer?

  What, this is?

• 59:33Speaker 00

  No, no, no, no, hold on. So, this is my, I have a PC, I have a gaming setup, like a whole entire room for it. It's beautiful.

• 59:40Caleb Hammer?

  Okay.

• 59:41Speaker 00

  It's a PC that's worth like $6,000 because I wanted to go into streaming, whatever. I had a friend.

• 59:46Caleb Hammer?

  How'd that go? Uh huh, go on.

• 59:49Speaker 00

  I had a friend that I used to work with in the ER who had a, or he had a console, then he went to PC, he built a PC and he had it for like a week. And he was like, never mind, I want to go back to console, but I do know that you wanted a PC. Do you want to buy it from me for $2,000? Yes, and then that's why I took that up.

• 1:00:07Caleb Hammer?

  You, you.

• 1:00:10Caleb Hammer?

  You, that is such a good, what GPU do you have?

• 1:00:14Speaker 00

  Ah, let me show you the specs on it.

• 1:00:16Caleb Hammer?

  You don't even know the specs of it. It's something you're so happy about, you don't know it off the top of your.

• 1:00:20Speaker 00

  Yes, because I'm a huge gamer, I've always.

• 1:00:22Caleb Hammer?

  Huge gamer doesn't know the specs of their computer.

• 1:00:24Speaker 00

  Because I was never a fucking PC gamer.

• 1:00:26Caleb Hammer?

  Okay, but you are, you have it now, you're so obsessed with this thing. You built a room for it and you don't know your damn specs?

• 1:00:32Speaker 00

  There's my specs. You.

• 1:00:35Caleb Hammer?

  You know, the same sized monitors when you do a monitor.

• 1:00:38Speaker 00

  Yeah, because one's a 4K and one's not.

• 1:00:40Caleb Hammer?

  Dude, it's a 2070. It's a 2070. Who, wait, when was this? When did you get this?

• 1:00:45Speaker 00

  Three years ago, four years ago, three years ago.

• 1:00:48Caleb Hammer?

  I7 9700K, okay. It's only one terabyte SSD. Uh, um, this is not a, uh, that's not a $6,000 PC.

• 1:00:57Speaker 00

  Do you want to see what it, the gaming room looks like?

• 1:01:00Caleb Hammer?

  That's a $2,500 PC.

• 1:01:03Speaker 00

  That is not a two thou- no.

• 1:01:05Caleb Hammer?

  Well, did it come with the monitors as well?

• 1:01:07Speaker 00

  Yes.

• 1:01:08Caleb Hammer?

  And like keyboard and mouse?

• 1:01:09Speaker 00

  Yes.

• 1:01:09Caleb Hammer?

  So let's call it three thousand five hundred.

• 1:01:11Speaker 00

  I actually, I changed everything on it. I don't use that keyboard and mouse on it anymore.

• 1:01:15Caleb Hammer?

  It was you get, wait, when did you get this?

• 1:01:18Speaker 00

  Uh, I got this like three years ago.

• 1:01:19Caleb Hammer?

  Oh, three years ago?

• 1:01:20Speaker 00

  Yes.

• 1:01:21Caleb Hammer?

  Uh, three years ago, I could see that probably being close to about four to five thousand.

• 1:01:25Speaker 00

  Exactly. So I-

• 1:01:27Caleb Hammer?

  That sucks. You got it for two. Okay, great. But that doesn't fucking matter. You took out a literally a hundred-

• 1:01:31Speaker 00

  Because I didn't have it-

• 1:01:32Caleb Hammer?

  Shh, take it a hundred fifty nine point five seven percent

• 1:01:37Caleb Hammer?

  crazy payday loan interest rate for a used PC. Yes, you have the fucking teenager little clouds. I'm so proud of you. Good job. You're fourteen.

• 1:01:47Speaker 00

  Yeah, thanks.

• 1:01:48Caleb Hammer?

  Well done.

• 1:01:50Speaker 00

  I like it.

• 1:01:51Caleb Hammer?

  Great. Yeah, you don't have any fucking money. I don't give a if you like something. I like you being able to survive and retire.

• 1:01:56Speaker 00

  You like me?

• 1:01:57Caleb Hammer?

  I said, I like you being able to survive and retire.

• 1:02:04Speaker 00

  Your hair has nice curls to it.

• 1:02:06Caleb Hammer?

  Stop. Every, every silence, you just, is this what you do? You just to get out of things? You just like start saying things?

• 1:02:12Speaker 00

  Can I genuinely compliment you?

• 1:02:14Caleb Hammer?

  Which is why no one just sits here and just starts in the middle of going through a hard conversation like, oh.

• 1:02:22Speaker 00

  I'm an observer.

• 1:02:23Caleb Hammer?

  Well, it's been observing silence.

• 1:02:27Speaker 00

  You have to fill it somehow.

• 1:02:28Caleb Hammer?

  No.

• 1:02:29Speaker 00

  Do you want me to sit here and awkwardly stare at you?

• 1:02:31Caleb Hammer?

  Yes.

• 1:02:33Speaker 00

  Okay.

• 1:02:33Caleb Hammer?

  So after pay, this is all groceries?

• 1:02:35Speaker 00

  No.

• 1:02:38Caleb Hammer?

  What is this? What did you purchase four hundred sixty eight dollars and twenty three cents for?

• 1:02:43Speaker 00

  It's actually worse.

• 1:02:43Caleb Hammer?

  What? Did you purchase that for?

• 1:02:45Speaker 00

  What, what, what was the amount again? What was the amount?

• 1:02:48Caleb Hammer?

  Purchases five hundred sixty eight.

• 1:02:51Speaker 00

  Oh, that's probably collectively what they're all. It's probably-

• 1:02:54Caleb Hammer?

  Yes, I'm asking what you're buying.

• 1:02:56Speaker 00

  Oh, some of it is groceries. Some of it's American Eagle. Some of it is-

• 1:03:00Caleb Hammer?

  American Eagle, you really are fourteen.

• 1:03:04Speaker 00

  They have good quality jeans.

• 1:03:06Caleb Hammer?

  What's the minimum payment on that?

• 1:03:07Speaker 00

  Um, so it's actually-

• 1:03:09Caleb Hammer?

  And then it breaks down into four, so I don't know.

• 1:03:11Speaker 00

  It's actually worse now. I've done more-

• 1:03:14Caleb Hammer?

  The balance is worse. Good.

• 1:03:15Speaker 00

  Yeah, so my balance now.

• 1:03:21Speaker 00

  Let me look. Oh, I know I made payments. Okay, never mind. Um, so I owe

• 1:03:27Caleb Hammer?

  It looks like you did for an hour and seven minutes. Come on, talk.

• 1:03:30Speaker 00

  I owe three hundred and seventy nine dollars and ninety one cents, but I have one thousand twenty dollars available to spend, which I probably will.

• 1:03:37Caleb Hammer?

  No, you don't. No, you don't. Cancel this. What is your, what's your, what's your split in four payments?

• 1:03:41Speaker 00

  I have multiple ones. Um, the upcoming payments I have on December nineteenth is thirty nine dollars and six cents.

• 1:03:48Caleb Hammer?

  Okay. Stop, stop, stop. I'm done with that.

• 1:03:52Speaker 00

  You don't want to know the other ones?

• 1:03:53Caleb Hammer?

  Stop, no.

• 1:03:57Caleb Hammer?

  I don't know. I'm just gonna guess it's like a hundred bucks. Am I even gonna write down your collections?

• 1:04:03Speaker 00

  I think I have four. I only have four.

• 1:04:05Caleb Hammer?

  I have pages. What the fuck are you talking about?

• 1:04:09Speaker 00

  I think those are my

• 1:04:11Speaker 00

  Huh?

• 1:04:11Caleb Hammer?

  You don't know anything about your finances. You don't know anything.

• 1:04:16Speaker 00

  I was never taught. I was never taught.

• 1:04:17Caleb Hammer?

  None of us ever are. It's called growing the fuck up and trying to learn anything. You're taught almost none of life skills, but you figure out as you go along.

• 1:04:26Speaker 00

  My mom was like twelve years

• 1:04:28Caleb Hammer?

  And cancel. Literally. Okay, cool. Congratulations. Good for her. Again, we are not being taught these things. Imagine if you could use that excuse for everything in life, saying, oh, I was just never taught, never to murder someone.

• 1:04:41Speaker 00

  Okay, but didn't you say earlier that it's good to have ignorance?

• 1:04:44Caleb Hammer?

  I didn't say it's good to have ignorance. I said it's even worse that you know when you're choosing to do nothing than if you didn't know.

• 1:04:51Speaker 00

  Well, I was ignorant to it.

• 1:04:52Caleb Hammer?

  Good to be. Yes, you were, but you're not now either way.

• 1:04:59Caleb Hammer?

  Is this not a valid excuse?

• 1:05:00Speaker 00

  I'm not as bad as I used to be.

• 1:05:02Caleb Hammer?

  When you're approaching thirty, it's not a valid excuse to say, I just didn't know.

• 1:05:05Speaker 00

  It's, it's getting better. When I was

• 1:05:09Caleb Hammer?

  How? Literally, you've made a payment on one of the one, two, three, four, five, six things we talked about.

• 1:05:15Speaker 00

  Because

• 1:05:15Caleb Hammer?

  What the fuck are you talking about?

• 1:05:16Speaker 00

  When I was like, when I was like twenty three, I had, um, like thirty thousand dollars in debt.

• 1:05:23Caleb Hammer?

  Yeah, and when I was twenty three, I had like fifty thousand dollars in debt.

• 1:05:27Speaker 00

  It fell off.

• 1:05:28Caleb Hammer?

  Uh huh. Yeah, and I actually paid mine like a fucking adult.

• 1:05:31Speaker 00

  Well.

• 1:05:32Caleb Hammer?

  Cause I wasn't taught anything either financially. In fact, my parents were horrible with personal finances. And I learned because I decided, hey, maybe I shouldn't live in poverty for the rest of my life. You know, maybe

• 1:05:42Speaker 00

  I'm still living comfortably.

• 1:05:43Caleb Hammer?

  No, you are not. Actually, I think, I think I think there is a little bit of ignorance actually still left that we have left to just get exposed because the fact is, the fact is, is you are not, but because of the spending limits that you have and your cards and the fact that you haven't been evicted or anything, because of that, you feel like you're living comfortably. You're not.

• 1:06:07Caleb Hammer?

  Whatever. We'll call this collections. You didn't pay $245 to City. Okay, National Credit Adjusters. Who knows?

• 1:06:15Speaker 00

  How much is it for? I might know.

• 1:06:16Caleb Hammer?

  1,204.

• 1:06:18Speaker 00

  That is my repo car.

• 1:06:20Caleb Hammer?

  Great.

• 1:06:22Caleb Hammer?

  $235.

• 1:06:26Speaker 00

  I don't know.

• 1:06:27Caleb Hammer?

  Wonderful. Okay, that's collections number three. Oh, that just went into collections. Well done. Everything's going great. Uh, other collections, 1,140.

• 1:06:37Speaker 00

  I actually don't know what that one is for.

• 1:06:39Caleb Hammer?

  This also, this one also went into collections this year and you somehow you don't know even though it was just this year. I'm gonna fucking die.

• 1:06:45Speaker 00

  I think that's it though. And

• 1:06:46Caleb Hammer?

  It's not.

• 1:06:47Speaker 00

  It's not?

• 1:06:48Caleb Hammer?

  $2,819 from two years ago.

• 1:06:52Speaker 00

  Oh, I really don't know what that is.

• 1:06:55Caleb Hammer?

  You literally just told me read it off and I might be able to tell you. You were able to tell me one out of five so far. What a joke. $194 two years ago.

• 1:07:06Speaker 00

  Wait, is that still in collections?

• 1:07:08Caleb Hammer?

  Yes.

• 1:07:11Caleb Hammer?

  I think so.

• 1:07:12Speaker 00

  I don't know.

• 1:07:13Caleb Hammer?

  I'm just gonna assume it is. It's only been two years, dude. Did you pay it?

• 1:07:17Speaker 00

  Wait, this is the one. Oh, okay. So this is the 1,100 or

• 1:07:22Caleb Hammer?

  Okay, 285 is collection number seven. What is that for? From this year?

• 1:07:28Caleb Hammer?

  Yeah, you don't pay a single thing. You're not even close to having a kid yet or anything, are you?

• 1:07:33Speaker 00

  No, but I want one.

• 1:07:33Caleb Hammer?

  Good. Uh, that's great. And I encourage that at some point. You're not even close to responsible in life. Not even close. Okay, this one literally just, no, last year it went into collections. You really thought you only had a few? Twenty-three thousand three hundred seventy-seven!

• 1:07:53Speaker 00

  That's my repo car. But it's-

• 1:07:54Caleb Hammer?

  Wait, you thought the two thousand was?

• 1:07:56Speaker 00

  It's not, um, it's not in my collections anymore. It's not.

• 1:08:01Caleb Hammer?

  Sorry?

• 1:08:03Speaker 00

  It's not. They, so this is when they repo'd it and then they auctioned it off.

• 1:08:08Caleb Hammer?

  What about this?

• 1:08:10Speaker 00

  What's that?

• 1:08:11Caleb Hammer?

  Zero dollars, actually.

• 1:08:12Speaker 00

  Yeah, zero dollars.

• 1:08:14Caleb Hammer?

  Nope, they're being said it's on your record until May twenty twenty-nine. Yes, you do owe it, so I'm putting it back.

• 1:08:21Speaker 00

  The repo?

• 1:08:22Caleb Hammer?

  They deep-dived into your [__] finances, dude. Why do you think it would just fall off?

• 1:08:28Caleb Hammer?

  In two years?

• 1:08:29Speaker 00

  Because the repo, they sold that and then they paid it and then what was left was the one thousand two hundred and four.

• 1:08:36Caleb Hammer?

  You still sent this up, sent this.

• 1:08:40Caleb Hammer?

  Okay, okay, actually, I'm gonna cross that off. I, I, unless we know for sure, I'm gonna cross it off. Okay, well, here's one that is for sure. Uh, current, no, this one's current. This one we already looked at.

• 1:08:52Speaker 00

  What is that for?

• 1:08:52Caleb Hammer?

  And this one's current as well. There are ones we've already been through before. This one's current as well.

• 1:08:56Speaker 00

  Oh, those are my student loans.

• 1:08:57Caleb Hammer?

  So you had seven things in collections and, and that's not including the repo car. You literally thought you had three and that one's current as well. Okay, very good. Wait, you said student loans?

• 1:09:09Speaker 00

  Yeah, I have student loans.

• 1:09:10Caleb Hammer?

  How much in student loans do you have?

• 1:09:12Speaker 00

  That's a student-

• 1:09:13Caleb Hammer?

  I thought it was just what we looked over. So you already went to college that you can-

• 1:09:17Speaker 00

  I, you cut me off saying that.

• 1:09:19Caleb Hammer?

  No, you did, you did, you did. I remember, I remember, I remember.

• 1:09:22Speaker 00

  Yeah, I went a couple of times and I realized I didn't want to go for nursing. I think I have maybe seven thousand dollars. In student loans.

• 1:09:32Caleb Hammer?

  Well, you're in school, so you're not paying.

• 1:09:33Speaker 00

  No, they're in forbearance right now.

• 1:09:35Caleb Hammer?

  Are they private or federal?

• 1:09:36Speaker 00

  They're federal. I used to work for, no, that's my government job that I did have.

• 1:09:41Caleb Hammer?

  Okay.

• 1:09:42Speaker 00

  I know the difference between-

• 1:09:43Caleb Hammer?

  It's okay. Just wondering if they're private or federal. Yes, I do, because I'm trying to [__] leave. This conversation cuz you're wild nine hundred three dollars in a checking account. Okay, well not anymore. You have a hundred, so. Two hundred.

• 1:09:58Speaker 00

  Well, this, this was my paycheck.

• 1:09:59Caleb Hammer?

  Two hundred and savings?

• 1:10:01Speaker 00

  Yeah.

• 1:10:01Caleb Hammer?

  You didn't take that, Laura?

• 1:10:03Speaker 00

  Better than nothing.

• 1:10:04Caleb Hammer?

  You told me earlier, one cent.

• 1:10:05Speaker 00

  Yeah, it is one cent.

• 1:10:06Caleb Hammer?

  So you took it down from two hundred?

• 1:10:08Speaker 00

  Yeah, that was the deposit that I had to put in there.

• 1:10:12Caleb Hammer?

  What a joke. I'm, I'm so done with this. And this spending is the most insane thing I've ever seen in my life. Afterpay, DoorDash, Panda Express, thirty five dollars out Venmo, Murphy, when you went inside and got some bullshit. Door dashed, Prime Video, DoorDash in China, Prime Video again, what are you renting movies every second in your life? And DoorDash and right into your mouth, Apple bill or subscription of some kind, Cash App, Starbucks, Hulu Plus? Come on, DoorDash, DoorDash, DoorDash, DoorDash? This is disgusting. Afterpay, went inside, got some bullshit. DoorDash, DoorDash, DoorDash, Afterpay, Afterpay, Apple.

• 1:10:53Caleb Hammer?

  This is, this is seriously horrendous. These things, listen, there's a lot of bad spending on the show, but yours is DoorDash and Afterpay. DoorDash, Afterpay. This is so bad. You love sub, but you literally love the worst sub sandwich you can get? Are you kidding me? Apple bill, DoorDash, DoorDash, Cecil, Inc., Cecil? Prime Video, huh?

• 1:11:12Speaker 00

  That was another pay in for.

• 1:11:13Caleb Hammer?

  Oh my, kill me now. There's more. DoorDash, ah, there's you vaping, Afterpay, DoorDash, Afterpay, Afterpay. Cash App and out nineteen sixty nine, Apple bill, DoorDash, Afterpay, DoorDash, DoorDash, Afterpay. Microsoft, Netflix, Cash App out forty six dollars, Cash App and out nine dollars. Apple bill thirty, what is this? You Apple payer? You have a ton of subscriptions? I know you already do cuz then there's Roku and HBO Max as well. Cash App, DoorDash, Panda, Afterpay, Amazon, DoorDash, Panera. Qui- Crown and Wine, DoorDash and Little something, Afterpay, Amazon, Apple pill again!

• 1:11:58Caleb Hammer?

  And DoorDash and what's his? Pull up your, and open your phone. Open your damn phone.

• 1:12:03Speaker 00

  What am I looking at?

• 1:12:04Caleb Hammer?

  Just open it and give it to me.

• 1:12:05Speaker 00

  Okay.

• 1:12:06Caleb Hammer?

  Give me this. You're in black, everything's black and white.

• 1:12:11Speaker 00

  Yeah. Aesthetic.

• 1:12:13Caleb Hammer?

  Yeah, ugly.

• 1:12:14Speaker 00

  That's not nice. I've been complimenting you all night.

• 1:12:16Caleb Hammer?

  No, ugly aesthetic of the black and white phone.

• 1:12:19Speaker 00

  You're not ugly.

• 1:12:22Caleb Hammer?

  I'm not saying you are either. I said the black and white is.

• 1:12:24Speaker 00

  Thank you.

• 1:12:25Caleb Hammer?

  You, but you're not smart.

• 1:12:27Speaker 00

  I'm gonna think about that for the rest of the day.

• 1:12:31Caleb Hammer?

  You've had every subscription under the sun.

• 1:12:33Speaker 00

  Yeah.

• 1:12:33Caleb Hammer?

  At least luckily, most of them are inactive and the face.

• 1:12:39Caleb Hammer?

  Facetune for what?

• 1:12:41Speaker 00

  I used to be 270 pounds. I had to make myself look skinny.

• 1:12:44Caleb Hammer?

  And now?

• 1:12:45Speaker 00

  I'm 170.

• 1:12:47Caleb Hammer?

  Stop DoorDash-ing.

• 1:12:48Speaker 00

  I want a zempick, okay? I can eat whatever.

• 1:12:50Caleb Hammer?

  Really? You're zumping?

• 1:12:52Speaker 00

  Yeah.

• 1:12:53Caleb Hammer?

  A zempick princess.

• 1:12:54Speaker 00

  Yeah.

• 1:12:55Caleb Hammer?

  And Apple Music.

• 1:12:55Speaker 00

  There's another expense.

• 1:12:57Caleb Hammer?

  Fifty one dollars a week?

• 1:12:58Speaker 00

  Fifty five.

• 1:13:00Caleb Hammer?

  Apple Music, that's your only active one, okay?

• 1:13:02Speaker 00

  Yeah, I can't.

• 1:13:03Caleb Hammer?

  Then all those are just Apple pays and bull. So they're probably even more DoorDash and stuff.

• 1:13:07Speaker 00

  Yeah.

• 1:13:08Caleb Hammer?

  Imagine all that money just going into.

• 1:13:10Speaker 00

  No, I bet it also is, is like if I go into a store and I use Apple Pay, it'll show up as that.

• 1:13:17Caleb Hammer?

  Eight hundred dollars could be investing in your fucking Mu Mu account, the brokerage I use. You could just. It's the brokerage I use. You could have it in there and have it just earn eight percent on your money. It was literally just sitting there, but no.

• 1:13:30Speaker 00

  Is eight percent a lot?

• 1:13:34Caleb Hammer?

  In terms of a return you get, yes.

• 1:13:38Caleb Hammer?

  Well, you think 30% small, so I guess eight percent is not a lot. Okay, you got some pet hair removal things, some cream and.

• 1:13:46Speaker 00

  That's purple shampoo.

• 1:13:47Caleb Hammer?

  And more pet things and some leggings.

• 1:13:52Speaker 00

  I'm wearing this right now.

• 1:13:53Caleb Hammer?

  Behavioral therapy in seven weeks. Oh, you get three free therapy sessions for being on the show, by the way, with Sounder Mind. Yeah. Sounder Mind, they're really good. I think you guys get stuff as well in the audience. It's in our resources section. We put together a lot of resources. They're here to take advantage of that. Uh, you know, it's lots of dog toys and lots of leggings. Why don't we have so many leggings? Now all of a sudden, lots of our things, you got 10 notebooks and a million and sticky pads and colored pencils. Eight hundred dollars in the Cash App. You're painting it.

• 1:14:23Speaker 00

  No, no, no, no. This is money in and money out. So this is.

• 1:14:26Caleb Hammer?

  What is this loan repayment thing through Cash App?

• 1:14:31Speaker 00

  That's another thing that you can borrow money from Cash App and pay it back.

• 1:14:34Caleb Hammer?

  How much you owe the fucking Cash App?

• 1:14:36Speaker 00

  Seventy-five dollars.

• 1:14:37Caleb Hammer?

  Pay it! Just pay it!

• 1:14:41Speaker 00

  When you're in a bind.

• 1:14:43Caleb Hammer?

  You shouldn't be. You don't need to be. Thousand one hundred thirty-seven in 401K, that's a joke for your age. Joke. No, that's an actual joke. This isn't a comedic joke. That is literally you not ever being able to retire. You've given up the best decade of your life for compound growth. You've given up so much time, you have no idea.

• 1:15:03Speaker 00

  Cause I-

• 1:15:03Caleb Hammer?

  So much math, you have just given up.

• 1:15:05Speaker 00

  Cause I've taken some of, I could have had more, but I took some out of my retirement.

• 1:15:09Caleb Hammer?

  I'm gonna fucking die. How much did you take out? How much did you fucking possibly take out?

• 1:15:16Speaker 00

  I think it was upwards of a thousand?

• 1:15:22Caleb Hammer?

  I, I, I, I'm sorry, I haven't had to say this in a second, but I have zero confidence in you turning this around. I'm really sorry. I'm sorry on a personal level. I'm just, I have zero confidence. You don't do anything, you don't do one thing correct. There isn't one thing. There is no slight indication of behavior that I can pull from and try to just expand that. You do nothing correct. You take what is correct and you do the opposite at all times financially. And borderline life. Like it's just, you every, just to the job, the careers, the fucking schooling. Everything, how you pay your debts, how you got the car, everything. This is so stupid. This is so bad.

• 1:16:07Caleb Hammer?

  And I have no confidence. I bet you if we create this budget. I'm, I'm curious. I wanna see the math. I don't think you'll follow it for a single second, but I really wanna see the math, cause I bet you're gonna have a ton of money left over.

• 1:16:20Speaker 00

  Okay.

• 1:16:21Caleb Hammer?

  Rent again? Five seventy?

• 1:16:22Speaker 00

  Yes.

• 1:16:22Caleb Hammer?

  Utilities?

• 1:16:23Speaker 00

  Um, I only pay, I think around like maybe a hundred in electric because my water is included.

• 1:16:30Caleb Hammer?

  Internet?

• 1:16:31Speaker 00

  Um, eighty to, eighty to ninety.

• 1:16:33Caleb Hammer?

  Wanna say ninety? Rent is insurance?

• 1:16:35Speaker 00

  I don't have any.

• 1:16:36Caleb Hammer?

  Should. I'm gonna put in fifteen. Okay, no gas?

• 1:16:40Speaker 00

  Uh, no, so gas I do.

• 1:16:42Caleb Hammer?

  Phone bill?

• 1:16:43Speaker 00

  Uh, no, I mean, I do spend a lot on gas.

• 1:16:45Caleb Hammer?

  No, apartment, utility, gas.

• 1:16:47Speaker 00

  Oh, no, no, no.

• 1:16:48Caleb Hammer?

  Phone bill?

• 1:16:48Speaker 00

  Um, my, it's on my mom, so I don't pay it.

• 1:16:52Caleb Hammer?

  Titled, when you get yours, do helium for fifteen bucks a month, it's the same towers T-Mobiles, and I know they work in Nashville. Gas, how much? Vroom, vroom, drive, drive.

• 1:16:59Speaker 00

  Um, if I'm doing it every two weeks, it's probably like two hundred to two hundred and fifty dollars.

• 1:17:05Caleb Hammer?

  You said that's a lot, okay. Car insurance?

• 1:17:07Speaker 00

  Uh, eighty.

• 1:17:08Caleb Hammer?

  Oh, come on.

• 1:17:09Speaker 00

  Eighty-nine dollars.

• 1:17:10Caleb Hammer?

  That's incredible. Oh, what a joke. What a joke. What a fucking joke. Minimum monthly debt payments, six forty-eight fifty-one. Necessary food, three hundred dollars. TV fund, anything else you need to survive, nails, makeup, toilet paper, cool, hundred dollars, always make sure you're wiping. Medical, healthcare, uh, the, the Zempic. How much is that on a week?

• 1:17:36Speaker 00

  So that's, that's a weird thing. So it does by tiers, um, when you start out at first.

• 1:17:41Caleb Hammer?

  Give me a monthly amount.

• 1:17:43Speaker 00

  At most, I would pay, I think it's like ninety-five times four.

• 1:17:49Caleb Hammer?

  Oh.

• 1:17:49Speaker 00

  But I don't do it as.

• 1:17:51Caleb Hammer?

  What's a normal monthly budget for that?

• 1:17:53Speaker 00

  Okay, but that's what I'm trying to tell you, is it changes, because depending on what dosage you're on, right now, I'm on fifty-five dollars a week.

• 1:18:00Caleb Hammer?

  Well, you wouldn't go up, would you?

• 1:18:01Speaker 00

  Yes, you have to.

• 1:18:03Caleb Hammer?

  Oh.

• 1:18:04Speaker 00

  But I've just spaced my.

• 1:18:05Caleb Hammer?

  So it's in between fifty-five and ninety?

• 1:18:07Speaker 00

  Yeah.

• 1:18:07Caleb Hammer?

  Five?

• 1:18:07Speaker 00

  Yeah.

• 1:18:08Caleb Hammer?

  Okay, I'm gonna put it at, let's call it eighty.

• 1:18:10Speaker 00

  Okay.

• 1:18:10Caleb Hammer?

  And you just shift things around. Any other medical ongoing things?

• 1:18:14Speaker 00

  No.

• 1:18:15Caleb Hammer?

  I'll give you twenty dollars for subscriptions, why not?

• 1:18:18Speaker 00

  Yeah, I do, I just have a Netflix.

• 1:18:19Caleb Hammer?

  You have a pet?

• 1:18:20Speaker 00

  Yeah.

• 1:18:20Caleb Hammer?

  No, you have a.

• 1:18:21Speaker 00

  I, yeah, no, I have a.

• 1:18:22Caleb Hammer?

  HBO, you rent, you Xbox.

• 1:18:24Speaker 00

  Yeah, I have two pets. I have two pets.

• 1:18:25Caleb Hammer?

  What, what do you have?

• 1:18:26Speaker 00

  I have a German shepherd, eh, named Gar.

• 1:18:28Caleb Hammer?

  You have pet insurance?

• 1:18:29Speaker 00

  No.

• 1:18:30Caleb Hammer?

  What's your other pet?

• 1:18:31Speaker 00

  Uh, I have a cat named Bruce.

• 1:18:33Caleb Hammer?

  Get pet insurance and put it in sixty bucks.

• 1:18:35Speaker 00

  I work in Vet Med, I get discounts.

• 1:18:37Caleb Hammer?

  Still, that doesn't save you from a twenty thousand dollar surgery. You're gonna allow them to die?

• 1:18:41Speaker 00

  I did that at cost.

• 1:18:42Caleb Hammer?

  Yeah, can you afford at cost? And also, you hate this job, you're gonna leave at any second, that's what you always do. I'm putting in seventy dollars for pet insurance, shut the fuck up. Oh my gosh. How much for animal food on a monthly basis?

• 1:18:56Speaker 00

  I'd say a hundred dollars.

• 1:18:58Caleb Hammer?

  Your cutesiness must get you through life with other people. It is not gonna help you, and it's not gonna help your finances. It's fucking, it's not gonna do anything.

• 1:19:09Speaker 00

  I don't think there's anything else that I

• 1:19:11Caleb Hammer?

  Yeah, what a joke. Two thousand four hundred thirty-two dollars and fifty-one cents. Shut up! Shut up.

• 1:19:18Speaker 00

  I'll take it. You think I'm funny.

• 1:19:19Caleb Hammer?

  I didn't say that. Have I laughed?

• 1:19:21Speaker 00

  No.

• 1:19:22Caleb Hammer?

  I laugh when I think things are funny. You have eight hundred three dollars left over and twenty-three cents, plus child support when that comes in.

• 1:19:31Speaker 00

  And sugar daddy money if I ever get it again.

• 1:19:33Caleb Hammer?

  Yeah, but that's been a half a year, so I wouldn't rely on it. Let's see, if we're not including the car. No, let's include the car.

• 1:19:41Speaker 00

  Two hundred dollars.

• 1:19:43Caleb Hammer?

  The balance, dude. Okay, but let's not include the collections. So fifteen thousand four hundred forty-eight dollars divided by eight oh three point...

• 1:19:59Speaker 00

  You have nice, strong hands.

• 1:20:00Caleb Hammer?

  Suffering right now.

• 1:20:02Speaker 00

  I'm not that bad.

• 1:20:03Caleb Hammer?

  Reddit's gonna freak out.

• 1:20:04Speaker 00

  I'm not that bad. Wait, you have a girlfriend?

• 1:20:07Caleb Hammer?

  No, but also, what the are you doing? Stop! I'm trying to finish this damn episode. Lady, you're insane. Nineteen dollars and twenty-four, or nineteen months.

• 1:20:19Speaker 00

  I'm making you mess up on your words.

• 1:20:20Caleb Hammer?

  You are, because you're being a fucking annoyance. Like, it's not funny. A year and...

• 1:20:29Caleb Hammer?

  A year and a half and you're debt-free. Listen, do it or don't. For some reason, I have to record a post-show with her. We have to do it for members. I don't want to sit across from you anymore. You're just... So make sure to join our membership and get over a thousand hours of extra content. I realized that I was corrected by producer earlier that I said ten thousand, I think, in an episode. Thousand! Over a thousand hours of extra content. Super fun, super good. Let's get your Hammer Financial Score. You can join that link in the description below.

• 1:20:54Speaker 00

  It's a four out of ten, right?

• 1:20:55Caleb Hammer?

  Shut the fuck up. So I need a budget overspent. Zero out of ten debt. You have collections. Zero out of ten emergency fund. I'll give you a one out of ten being generous. Retirement, I'll give you a one out of ten being generous. Real estate, zero out of ten. Hammer Financial Score. Rounded. Shut the fuck up. Rounded up.

• 1:21:12Caleb Hammer?

  I fucking hate you. .5 out of 10 you're just obnoxious. Guys, you can get all of our classes and everything. 15% off. You're gonna get them. You won't be able to comprehend going through them. Good luck. 15% off. I'll see you guys in the post show. Get rid of your debt.

• 1:21:26Speaker 00

  Then I can shoot my shots.

• 1:21:27Caleb Hammer?

  Are you actually trying to shoot your shots?

• 1:21:29Speaker 00

  Maybe.

• 1:21:29Caleb Hammer?

  Do you actually have a crush right now?

• 1:21:31Speaker 00

  Yes. Evelyn has a very famous follower on Instagram. I do.

• 1:21:35Caleb Hammer?

  Who?

• 1:21:35Speaker 00

  I do.

• 1:21:36Caleb Hammer?

  Why?

• 1:21:37Speaker 00

  He tried to [BLEEP] one time and I told him no.

• 1:21:39Caleb Hammer?

  Why? He's just as fat.

• 1:21:40Speaker 00

  I have found you attractive.

• 1:21:41Caleb Hammer?

  I don't know if I could date this.

• 1:21:44Speaker 03

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