The Most UNHINGED Financial Audit

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

• 0:00Speaker 00

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

• 0:03Caleb Hammer?

  You're admitting this online right now?

• 0:05Speaker 00

  I am. It's a conscious clearing thing.

• 0:07Caleb Hammer?

  The a million warnings we gave you before coming on here.

• 0:10Speaker 00

  Yeah.

• 0:11Caleb Hammer?

  What the fuck are you doing? Well, hundreds of thousands of people are noticing you now.

• 0:14Speaker 00

  I want to be noticed by you too.

• 0:16Caleb Hammer?

  Don't make this weird.

• 0:17Speaker 00

  I'm not trying to.

• 0:18Caleb Hammer?

  It's not weird.

• 0:19Speaker 00

  They call you Hammer Daddy, but now it is weird.

• 0:22Caleb Hammer?

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

• 0:29Speaker 00

  Hey, this is Justin. Uh, this is Financial Audit. I'm thirty years old and I'm an airline mechanic.

• 0:35Caleb Hammer?

  And this is Financial Audit. Welcome. Okay, a little out of order there, but that's okay.

• 0:41Speaker 00

  Yeah.

• 0:42Caleb Hammer?

  Just don't, don't mechanic my airline and we'll be fine.

• 0:44Speaker 00

  Sure, that's the most of my life, to be honest.

• 0:46Caleb Hammer?

  Usually people don't say, what did you say? You're from Tulsa, Oklahoma.

• 0:50Speaker 00

  Yeah.

• 0:51Caleb Hammer?

  You messed up something, but that's fine. Uh, okay. So airline mechanic.

• 0:55Speaker 00

  Yeah.

• 0:56Caleb Hammer?

  How much you making? I mean, did you say thirty?

• 0:58Speaker 00

  Yeah, I'm thirty.

• 0:59Caleb Hammer?

  We're one year apart, my dude. No, no, I'm thirty in like half a month. You're graying.

• 1:04Speaker 00

  Yeah, I mean, shoot, this will be you in about one more year, bud.

• 1:08Caleb Hammer?

  When did you start graying?

• 1:09Speaker 00

  I think I was like twenty, twenty-two, twenty-one.

• 1:13Caleb Hammer?

  Okay, well, that sounds like a you problem then. Okay, so what do you make in this airline mechanic living?

• 1:18Speaker 00

  Um, I make eighty thousand a year.

• 1:20Caleb Hammer?

  Woo, and in Tulsa, not too bad. It's not necessarily known for being an aggressively high cost of living.

• 1:26Speaker 00

  Yeah, we are the top ten lowest cost of living.

• 1:30Caleb Hammer?

  Wow, so eighty thousand dollars.

• 1:31Speaker 00

  Yeah.

• 1:32Caleb Hammer?

  Does not explain this fucking stack of insanity. Honestly, I haven't had a, a big stack like this in a while. I've had quite a few small stacks for a bit, and this is insane. The things that are in here that we discovered and it's just chaos beyond chaos beyond chaos. It's gonna be, it's gonna be an interesting one. How the?

• 1:51Speaker 00

  Well, I can explain all of that, man. It's just like.

• 1:53Caleb Hammer?

  Before that, just how are you doing? How you living? Eighty thousand dollars. How does it feel? Tulsa?

• 1:59Speaker 00

  Not very good. I'm back in my mom's house. I have to like.

• 2:02Caleb Hammer?

  Move back in eighty thousand dollars?

• 2:03Speaker 00

  Yeah, if you really wanna like buy a house nowadays, you gotta like, think about like lowering your costs.

• 2:09Caleb Hammer?

  So is that what it is? It's literally just trying to be savings opportunity?

• 2:13Speaker 00

  That and I fucked up and, and, uh, in.

• 2:19Speaker 00

  Losing my job over a thing because I made an unsafe condition.

• 2:22Caleb Hammer?

  The eighty thousand dollar job?

• 2:23Speaker 00

  Yeah, they.

• 2:24Caleb Hammer?

  Why is what you do for a living? You said this?

• 2:27Speaker 00

  Not this job. I was the last job at uh at in Oklahoma City. And and they weren't only paying thirty one dollars an hour. So I feel like I did good by fuck and I'm falling back into this job.

• 2:41Caleb Hammer?

  Okay, well, I'm glad you make more. I mean, I would have rather you had just changed jobs, but okay. So you're saying it's a good thing that you got. When'd you get fired?

• 2:52Speaker 00

  I got fired in September or around September.

• 2:55Caleb Hammer?

  Okay, why?

• 2:57Speaker 00

  Of unsafe condition, I.

• 3:00Caleb Hammer?

  Yeah, this is important.

• 3:01Speaker 00

  Trying to trying to push a plane out without uh doing the proper channels to.

• 3:07Caleb Hammer?

  What the? Yeah, you should be fired and honestly shouldn't be hired again.

• 3:10Speaker 00

  Yeah, but.

• 3:12Caleb Hammer?

  Yeah, oof.

• 3:13Speaker 00

  But good thing is is I skipped ahead through my stuff to before they could, somebody could do a reference on me to get this next job.

• 3:23Caleb Hammer?

  Buddy, I'm gonna call out a couple of things real quick.

• 3:26Speaker 00

  Yeah.

• 3:26Caleb Hammer?

  Just a a just a a a a couple of things. Uh, one, breathe through your mouth because your nose whistles. Two. As the a million warnings we gave you before coming on here, you know, your current employer is probably gonna see this.

• 3:44Speaker 00

  Yeah. Yeah.

• 3:46Caleb Hammer?

  Which, by the way, we also ask, hey, what can we not talk about? Whatever they decide not to talk about, we don't ask a second question. We just don't talk about it. What the fuck are you doing?

• 3:57Speaker 00

  More along the lines as I was doing inspection, did everything, was supposed to pull circuit breakers. I did it without pulling the circuit breakers, which I still was able to do the inspection. But because I was in probation, they were like, hey, you can't do that in the future. You need to leave.

• 4:10Caleb Hammer?

  You're admitting this online right now.

• 4:13Speaker 00

  Yeah, I am. Uh, it's it's a conscious clearing thing.

• 4:16Caleb Hammer?

  Sure, sure, sure. Sure, sure, sure. Clear clear those nasal pathways.

• 4:20Speaker 00

  Yeah.

• 4:24Caleb Hammer?

  All right, man. Well, very bold and brave of you. Again, if people knew the onboarding process, the amount of opportunities you had to not do that. Okay, cool. So why are you struggling? You said, oh, there's a reason for this and that and this and that. So you moved in back with your mom in September?

• 4:40Speaker 00

  Uh, about September, October, I got a job at, uh, at an airline, uh, for general aviation. And then I fell into this next job.

• 4:51Caleb Hammer?

  Fell into? What does fall into?

• 4:53Speaker 00

  Whereas like, I didn't really like the job because it didn't fit me bad good enough. And it wasn't paying me fast enough for what I wanted.

• 5:01Caleb Hammer?

  Fast enough?

• 5:02Speaker 00

  Because I knew in my industry that I could get paid more by going.

• 5:06Caleb Hammer?

  They weren't paying you enough, not fast enough. Okay.

• 5:09Speaker 00

  Yeah. But for, for me to, because my grandpa died and that's why I was like, I need to get by his house and stuff.

• 5:16Caleb Hammer?

  Need to buy his, okay. Whoa, there's so much to unpack here, buddy. You were just, whoa, you were laying it down. You were just like, pop, pop, pop, pop, pop, pop, pop, massive things. When did you move in with the mom?

• 5:25Speaker 00

  September.

• 5:26Caleb Hammer?

  September. September, you moved in with the mom as a forty year old, thirty year old, moving back in with your mom. Okay.

• 5:32Speaker 00

  Yeah, with my soon to be ex-wife.

• 5:38Caleb Hammer?

  Soon to be, in September? What's going on there?

• 5:43Speaker 00

  So before I even took my, all my tests for all these stupid, oh, my career's not stupid, but.

• 5:49Caleb Hammer?

  Well, I feel like I would actually like you to pass the test when people's lives are in your hand.

• 5:52Speaker 00

  Yeah, I, I.

• 5:53Caleb Hammer?

  Not fill out Google forms.

• 5:55Speaker 00

  Yeah. Is that she decided that she wanted to feel independent and be independent and be like, I, we rushed into it and be like, oh, don't want to be with you anymore.

• 6:06Caleb Hammer?

  Maybe she wants to fly without crashing.

• 6:08Speaker 00

  Yeah, most people do.

• 6:10Caleb Hammer?

  Okay.

• 6:11Speaker 00

  I mean, you, you only get to do that once in your life. I don't want to be the person that, uh, that makes you feel that way.

• 6:17Caleb Hammer?

  Yeah, no one fly out of Tulsa.

• 6:19Speaker 00

  Oh, my, my fleet's all across the nation. This is what I work on.

• 6:22Caleb Hammer?

  Oh, comforting.

• 6:23Speaker 00

  I'm a maintenance.

• 6:24Caleb Hammer?

  Comforting.

• 6:27Caleb Hammer?

  You know what's really interesting because this conversation is crazy. Even my producers are giggling right now. It's like, I keep seeing people ask like, is the show fake? No, this is reality. We are in this. No, it's okay. You guys can laugh. It's okay. They're they just they equally cannot comprehend what is happening right now, but

• 6:49Caleb Hammer?

  I know you're spewing.

• 6:50Speaker 00

  Yeah.

• 6:51Caleb Hammer?

  I I I feel it and hear it. It's happening right now.

• 6:56Caleb Hammer?

  Okay, so how long were you guys together?

• 6:59Speaker 00

  Uh, we were we're three years in February.

• 7:02Caleb Hammer?

  And she decided in February of last year, so about to be four. Okay, so you guys were basically four years together. When you guys, when did you get engaged?

• 7:11Speaker 00

  Uh, we got engaged July before that year. Uh, so in like 2021, we lived through COVID together and all that stuff. Uh, this is a rough time to be dating and like getting together with someone.

• 7:23Caleb Hammer?

  So moving in with mom, she wanted to be in it. Well, honestly, okay. I mean, hear me out. This is I this isn't coming from a place of judgment. I'm just trying to put myself in her shoes. If, well, what's her career? What does she do for a living?

• 7:36Speaker 00

  Uh, she's a part time clerk at a

• 7:39Caleb Hammer?

  Okay, so she's not the breadwinner winner of the household.

• 7:41Speaker 00

  No.

• 7:42Caleb Hammer?

  If I'm not the breadwinner of the household, then I'm marrying someone who is. And I feel like that person keeps getting fired because people are gonna crash and burn and die. And, uh, he's a forty year old, thirty year old, moving into his mom's place and taking me with him. I might seek some independence as well.

• 7:59Speaker 00

  Yeah, especially since I before that, I had gone through four different jobs.

• 8:05Caleb Hammer?

  I thought you were gonna say divorces. Four different jobs in how long?

• 8:10Speaker 00

  Uh, say again?

• 8:12Caleb Hammer?

  Four different jobs in how long? Go ahead, take a swig.

• 8:15Speaker 00

  Uh, within one year.

• 8:18Caleb Hammer?

  How, okay, so the eighty thousand dollars of wrote down is exciting. How confident are we gonna keep that?

• 8:24Speaker 00

  Uh, pretty confident. Um, I'm

• 8:26Caleb Hammer?

  Why are you feeling that confident?

• 8:28Speaker 00

  Cause I've learned my lesson since the, uh, the OKC job.

• 8:32Caleb Hammer?

  And what? You learned your lesson to do your job?

• 8:35Speaker 00

  Yeah, and not to skip steps, even if

• 8:37Caleb Hammer?

  If I have a new job once a quarter or two, my hairline would be the same.

• 8:40Speaker 00

  Even if the, it's more along the rules of like how the, um, the culture is within that type of place where they want to push the plane out as fast as possible. That's why

• 8:50Caleb Hammer?

  Of course they do, but that doesn't mean they're, they obviously have the standard, which is why you were fired.

• 8:55Speaker 00

  Yeah, that's why I didn't make it past probation.

• 8:58Caleb Hammer?

  But what makes you think you're gonna stick to this now?

• 9:01Speaker 00

  Holding myself accountable and knowing that I have gambled everything to get to this job.

• 9:07Caleb Hammer?

  What have you gambled? Cause yeah, this is, man, this is thick.

• 9:11Speaker 00

  A lot of that is living expenses, like having for my apartment to stay

• 9:16Caleb Hammer?

  Apartment, you live with your mom?

• 9:17Speaker 00

  Well, my apartment when I was in

• 9:18Caleb Hammer?

  Has she moved out?

• 9:20Speaker 00

  No.

• 9:20Caleb Hammer?

  So you guys are living together with your mom as ex-fiances?

• 9:24Speaker 00

  And nephew.

• 9:26Caleb Hammer?

  Okay.

• 9:27Speaker 00

  In a very like twelve hundred square foot home.

• 9:31Speaker 00

  With, uh, bugs and all that stuff. Uh, yeah.

• 9:35Caleb Hammer?

  What? Boys, what do you, like, there's a cricket that you have to smash around some while or are you saying?

• 9:40Speaker 00

  No, they have, they have cocks in their name and, uh, some, someone have beds in their name and, and

• 9:47Caleb Hammer?

  Why are you still there? You make eighty thousand dollars. Why is she still there?

• 9:51Speaker 00

  Uh, because she doesn't want to work extra hours.

• 9:56Caleb Hammer?

  Yeah, she would rather sleep with bedbugs and cockroaches than work extra hours. She wants independence, but she's not able to work for her. I think she needs to come on the show. Maybe we'll call her in the post show. That's when we

• 10:05Speaker 00

  I've tried to do the whole shtick of like how you do your show to her and she's like, don't tell me I like that. Don't do

• 10:11Caleb Hammer?

  Oh, come on.

• 10:12Speaker 00

  Yeah, I get it. It's just

• 10:16Caleb Hammer?

  I don't like, I'm just trying to think like, how would I take that conversation coming from you? I'm sorry.

• 10:24Speaker 00

  Well, I'm just trying to follow, I was just trying to follow the formula.

• 10:27Caleb Hammer?

  Well, also you have to remember, you can't just have that conversation with people. I don't walk up to people on the street and have that conversation.

• 10:32Speaker 00

  Yeah.

• 10:32Caleb Hammer?

  We have people that are volunteering weeks in advance.

• 10:35Speaker 00

  Yeah.

• 10:36Caleb Hammer?

  Like trying to have that conversation. If you're just going up there, you're like, I don't think she's gonna be very receptive. Here, eat this cockroach, woman.

• 10:46Speaker 00

  Well, she, I mean, I've even tried to get her to push her to go take her test for cybersecurity, which even I had to.

• 10:52Caleb Hammer?

  Why is she taking a cybersecurity test? She works at a gas station. What do you mean?

• 10:55Speaker 00

  She wants to do cybersecurity and move out and be like her friends, but.

• 10:59Caleb Hammer?

  Does she have a degree or certification in cybersecurity?

• 11:02Speaker 00

  Yeah, I even had to push her to go do that. Like I had to poke and prod her.

• 11:07Caleb Hammer?

  Maybe you should have left her. She sounds like a lowlife, like a never achiever. Who can be around that?

• 11:13Speaker 00

  I would, you're kind of like, you don't have the, before I was on what I am now, I.

• 11:19Caleb Hammer?

  On?

• 11:20Speaker 00

  Yeah, I take a medicine for anti-anxiety. I got.

• 11:24Caleb Hammer?

  Okay, I do too. It's called Celexa.

• 11:25Speaker 00

  Yeah, I'm, I'm Beniflexin, so.

• 11:29Caleb Hammer?

  Oh, is that a medicine?

• 11:30Speaker 00

  Yeah.

• 11:30Caleb Hammer?

  Okay.

• 11:31Speaker 00

  And is like desperate for to be noticed and I feel like.

• 11:36Caleb Hammer?

  So you're just saying because you got one, because you got a lady, you got the wife that like, okay, I'm just gonna deal with all the bullshit.

• 11:45Speaker 00

  Yeah.

• 11:45Caleb Hammer?

  How'd you get in all this debt, other than obviously being fired once a quarter?

• 11:50Speaker 00

  Spiraling in the Navy of getting a credit card, thinking I was gonna, yeah, I was.

• 11:54Caleb Hammer?

  When were you in the fucking Navy?

• 11:56Speaker 00

  I joined out of high school.

• 11:57Caleb Hammer?

  How many layers are in this thing?

• 12:00Speaker 00

  Uh, a lot of, a lot of layers.

• 12:04Speaker 00

  Yeah, yeah. Enough to make someone cry.

• 12:11Speaker 00

  So, um.

• 12:12Caleb Hammer?

  When were you in the Navy was the question?

• 12:14Speaker 00

  I I was started out in eighteen. Um, I did that.

• 12:18Caleb Hammer?

  Eighteen, two thousand eighteen.

• 12:20Speaker 00

  No, I was eighteen years old.

• 12:22Caleb Hammer?

  I asked, when were you in the Navy?

• 12:24Speaker 00

  In twenty thirteen, twenty thirteen to twenty seventeen.

• 12:28Caleb Hammer?

  Uh, yes, yes, we are about the same age. That actually makes sense. That's true. I can, I can do that math. Okay. To, to when I'm sorry?

• 12:35Speaker 00

  Uh, to twenty seventeen. I did it four years.

• 12:39Caleb Hammer?

  And the spiral started in the Navy, but you ended in seventeen. That's so long ago now.

• 12:43Speaker 00

  I'll be honest, it's, it's kind of spiraled into like when I was sixteen and I got my first car and I did modifications.

• 12:49Caleb Hammer?

  Okay, so now we're going back to sixteen.

• 12:51Speaker 00

  Yeah, is, well, I mean, I'll be honest, like, if I'm being honest here, it's just, um.

• 12:56Caleb Hammer?

  I would like that.

• 12:58Speaker 00

  Is that is when I was sixteen, my mom took my dad's truck away and gave it to me. And I was able to start modifying it and get into it, make it look cool and try to be noticed and stuff by girls and stuff.

• 13:13Caleb Hammer?

  What is with this be noticed thing?

• 13:15Speaker 00

  Uh.

• 13:16Caleb Hammer?

  I like going on dates too. Dates are super fun.

• 13:18Speaker 00

  Well.

• 13:18Caleb Hammer?

  I make always jokes about it, but.

• 13:20Speaker 00

  Oh.

• 13:21Caleb Hammer?

  It's super fun to go on dates, but what's up with this, this like, like incessant need to be noticed and willing to bet your entire financial future on it? That's actually, that's a, that's something we've not had on the show ever, as far as I know.

• 13:32Speaker 00

  Is because I feel like I need to compete between my brother and my.

• 13:37Caleb Hammer?

  Oh, competition.

• 13:38Speaker 00

  Uh, to be noticed by my mom and my, well, my dad left me, but, or he doesn't left me. He came in and out of my life.

• 13:47Caleb Hammer?

  He's just getting some cigarettes at the store. That's okay.

• 13:50Speaker 00

  It was more beer than anything and then the beating, but yeah.

• 13:56Caleb Hammer?

  Hold on. I tried to giggle at that. This conversation is just wild. This conversation, that's not funny. That's not funny. That's, I'm very sorry you went through that. I'm giggling more of the absurdity of this conversation.

• 14:07Speaker 00

  It was against my mother, me watching it.

• 14:09Caleb Hammer?

  Okay, buddy, I don't, the way you say this is just, I'm not laughing at the situation. I'm laughing at.

• 14:18Caleb Hammer?

  Just the way you lay these things that you're just so just, I, okay.

• 14:25Caleb Hammer?

  Well, hundreds of thousands of people are noticing you now. I hope it makes you feel better.

• 14:31Caleb Hammer?

  Uh, so competent. So yeah, we don't want to be noticed by him. He's a piece of shit. If he ever comes back, then call me over. We'll beat him up together. He's a

• 14:41Speaker 00

  Well, I mean, the whole thing I wanted to do is just, I want to be noticed by you too.

• 14:45Caleb Hammer?

  Don't make this weird.

• 14:46Speaker 00

  I'm not trying to.

• 14:47Caleb Hammer?

  No, no, no.

• 14:48Speaker 00

  I call you Hammer Daddy, but

• 14:50Caleb Hammer?

  Now it's weird.

• 14:51Speaker 00

  I don't have a filter. I just keep going.

• 14:52Caleb Hammer?

  I don't have a filter either, but I don't go around calling people daddy. It feels like nowadays you need a phone for everything. So have you ever looked at your phone bill and thought, this is more of a nightmare than a necessity. Yep, me too. But guess what? Thanks to today's sponsor, Helium Mobile. They're here to change the game. First off, can you imagine not paying anything for your phone plan? With Helium's new Zero Plan, that's exactly what you get. We're talking three gigs of data, a hundred minutes, and 300 texts every month for absolutely no cost. Perfect for anyone who's tired of overpaying and just needs the basics without the fuss. Now, if you're someone who's always streaming or scrolling like me, you'll want to hear about the Airplan. For just 15 bucks a month, you get a whopping 10 gigs of data plus unlimited calls and texts.

• 15:36Caleb Hammer?

  That's a no-brainer for the budget conscious using their phone a decent amount of the time. And for those of you who live on your phones, let's talk about the Infinity Plan. This is the ultimate in mobile freedom. For just $30 a month, you get unlimited data, calls, and texts. That's right, unlimited. Whether you're streaming your favorite shows, gaming on the go, or constantly connected for work, it's perfect for anyone who needs their phone to keep up with their high speed, always on lifestyle. But here's the kicker, you earn Cloud Points by just using your phone. When you share your anonymized location data so Helium can improve their coverage, you can earn and use those points for cool stuff like gift cards to Airbnb stays, Uber rides, or even snagging some new gear. And hey, if you've joined Helium before, no worries.

• 16:18Caleb Hammer?

  You can totally keep your existing $20 plan. No need to switch unless you want to. So are you ready to ditch those high phone bills? Click the link below or head to hellohelium.com, download the app, and use the code CALEB to get access to those new plans. That's hellohelium.com and use the code CALEB. Thanks to Helium Mobile for sponsoring today's episode. Let's get back into it.

• 16:39Caleb Hammer?

  Alright, son. So let's talk about how you are.

• 16:45Caleb Hammer?

  Did your mom not?

• 16:50Caleb Hammer?

  I'm not gonna let him sit on my lap, guys. It's not happening.

• 16:54Speaker 00

  You're giving me stuff at the end anyway.

• 16:55Caleb Hammer?

  We're seventeen minutes in, this is, okay. I appreciate your existence.

• 17:02Speaker 00

  Well, you're the first one to say that.

• 17:04Caleb Hammer?

  No, stop!

• 17:06Speaker 00

  I mean, my dad didn't.

• 17:08Caleb Hammer?

  I know that, but that's good. Good. That's good. You're very forward. You're very unfiltered. I like that. It's rare. It's rare. A lot of people kind of reserve themselves on their show.

• 17:22Speaker 00

  Well, everybody thinks I'm a little on the spectrum, bud.

• 17:26Caleb Hammer?

  So.

• 17:27Speaker 00

  Thanks to this insurance, I might be going tested after this that I finally got in this year.

• 17:31Caleb Hammer?

  You finally what?

• 17:32Speaker 00

  I finally got insurance after six years of not having it. It's probably one of the reasons why I was like.

• 17:38Caleb Hammer?

  Alright, whatever spectrum we're on, let's try to stay on it instead of jumping to another one. This is like, we need to, we need to like, stay on this path, stay on this path, breathe through your mouth.

• 17:51Speaker 00

  Do I talk to you now about bond ladders, or do I talk later about bond ladders? I've always wanted to know what your opinion was on that, or do we?

• 18:00Caleb Hammer?

  You have a hundred and eleven thousand dollars in bad debt.

• 18:03Speaker 00

  Yeah.

• 18:03Caleb Hammer?

  Fuck bond ladders, I.

• 18:05Speaker 00

  I'll, I'll, I'll get out of it soon. I know I can. I mean, I'm making eighty thousand.

• 18:11Caleb Hammer?

  You are making eighty thousand, but you know, I, I want to be clear, this is not an income situation. I'm struggling, uh, to find a way to like get into this conversation because you're interesting, but like I keep trying to understand you a little bit more, but it just keeps unpacking, unpacking, unpacking. Did your mom not pay attention to you very much?

• 18:32Speaker 00

  Uh, she had to deal with my brother going to juvie and then, um, going to in and out of prison and having.

• 18:42Caleb Hammer?

  Is he in prison right now?

• 18:44Speaker 00

  No, he actually owns a dispensary up in Oklahoma. He's doing pretty well. He just got married. Hate him, but.

• 18:51Caleb Hammer?

  Well, you almost got married too.

• 18:54Caleb Hammer?

  You hate him? Because he took the attention away?

• 18:58Speaker 00

  Yeah, and some other things.

• 18:59Caleb Hammer?

  This attention thing's interesting.

• 19:00Speaker 00

  We've gotten in fights and stuff.

• 19:01Caleb Hammer?

  Do you go to therapy?

• 19:03Speaker 00

  Uh, I did. I have gone to therapy.

• 19:05Caleb Hammer?

  Buddy, I'm sorry. You desperately need to go to therapy to unpack this.

• 19:10Speaker 00

  I've done a lot of self-help stuff too, and reading and trying to help and, and everything.

• 19:15Caleb Hammer?

  You need to talk to a professional. Sondermine, it's our partner for guests and for the audience and for myself. You get three free therapy sessions thanks to them. Thank you, Sondermine. Please see them. And I can get you, I can get you, we'll get you a cybersecurity tech certification through CourseGurus. I think they have that for your ex so that she can get out of the [bleep] house and be an adult.

• 19:39Speaker 00

  She's already got the certi- certi- certificate and, and she has one of the licenses, but she still won't will enough to work to, to even go.

• 19:50Caleb Hammer?

  So a lot of this stems from the need to get attention. Is that what we have learned? In the 20 minutes of this conversation is that we'll package all this down. Is that what we are learning? We started with the car, pumping money into a car. What kind of car in 2013?

• 20:05Speaker 00

  Uh.

• 20:05Caleb Hammer?

  2010?

• 20:06Speaker 00

  So that was a Chevy Avalanche and then?

• 20:09Caleb Hammer?

  So we're pumping money into a Chevy Avalanche so that girl sees us, so that mom sees us? And you said your sister took the attention away from you too. So what was, what was up with your sister?

• 20:18Speaker 00

  Uh, I figure her is more of the golden child and so she's a nurse and anesthesiologist now.

• 20:24Caleb Hammer?

  Cool. But back then?

• 20:25Speaker 00

  Yeah.

• 20:26Caleb Hammer?

  Uh, were you, do you feel like you were ignored?

• 20:29Speaker 00

  Uh, well, because my mom basically had to be a one, a single parent, mid, taken dad.

• 20:34Caleb Hammer?

  Yeah, that's very difficult.

• 20:35Speaker 00

  Yeah. And having to work night shifts to afford all three of us with the whole bail and everything and my brother.

• 20:40Caleb Hammer?

  So you got noticed by this girl?

• 20:41Speaker 00

  But it's more.

• 20:42Caleb Hammer?

  How did you meet this girl that you're, I guess, breaking up with having because she lives with your mom?

• 20:47Speaker 00

  Uh, yeah. Uh, that's, I met her through work as in I used to work with her at the local, uh, gas chain, QuickTrip, uh, in Tulsa.

• 20:57Caleb Hammer?

  Yes, the local gas chain.

• 20:59Speaker 00

  Yeah. Well, that's where it started with Tulsa.

• 21:01Caleb Hammer?

  Okay.

• 21:02Speaker 00

  I actually was suggested to her by my mother and everything. And that's like to go talk to her and stuff.

• 21:11Speaker 00

  She wasn't even on my radar until my mom said anything.

• 21:15Caleb Hammer?

  Okay, we might call her on the post show. This is weird. We gotta get into these finances, man. Um, this is so such an interesting episode. Breathe out of your damn mouth. Your nose makes instrumental sounds. Okay.

• 21:30Speaker 00

  Okay.

• 21:31Caleb Hammer?

  Give me where you think your finances are. Zero out of 10, zero being the absolute worst, 10 being the absolute best. Where do you think you are?

• 21:36Speaker 00

  Uh, zero.

• 21:37Caleb Hammer?

  Okay, that's reasonable. If you want your hammer financial score, see where you are assessed. At, uh, uh, we'll link in the description below, which is Caleb hammer.com and you can come on the show as well. Uh, if you're as forward as this guy, definitely feel free. We'd love to have you down here in Austin, Texas. Go through the onboarding process. All the good stuff. It's a good time. Go to Caleb hammer.com slash apply, which by the way, you know, uh, we'll get you hooked up with things. So I'm, I am glad you're here. I know that's what I've been memeing on you a little and I appreciate it, but thanks for being here. Thanks for taking the trip from Tulsa. Really do appreciate it and hopefully we'll get you on the right path. Yeah. Cause that is the main goal here. Yes.

• 22:15Speaker 00

  Hoya. Huh? It's a saying in the military. It's just like, uh, to go with it, like, hey.

• 22:21Caleb Hammer?

  That was a Marines thing.

• 22:23Speaker 00

  No, that's ooh rah. Uh, who we are is Navy or is like how I learned it. I might be just picked it up somewhere else.

• 22:33Caleb Hammer?

  They all of them. Out of your mouth.

• 22:35Speaker 00

  All, all of them have a little like, let's go saying.

• 22:42Caleb Hammer?

  M. What is M? This is a document called M.

• 22:45Speaker 00

  M is is mercury. Uh, it's a, it's a credit card. Uh, it was, I got it during my time at.

• 22:54Caleb Hammer?

  You distracted me so much that I forgot to even ask you like, what hits your account on a monthly basis?

• 22:58Speaker 00

  Uh, my, what goes into my account monthly basis is, is 5,000 a month. Uh, and then on.

• 23:06Caleb Hammer?

  When did you get this job? Cause I do not have that. I have a thousand eight hundred thirty nine that hits through payroll.

• 23:10Speaker 00

  That I got it in December. Uh, we just got a through our

• 23:15Caleb Hammer?

  So $5,000 a month?

• 23:16Speaker 00

  Yeah, through our union contract, we make 2,500 every two weeks now.

• 23:20Caleb Hammer?

  Okay, 5,000 hours a month?

• 23:21Speaker 00

  Yeah.

• 23:22Caleb Hammer?

  Net?

• 23:22Speaker 00

  Yes.

• 23:23Caleb Hammer?

  And now on the month, by the way, that you made 1,839, let's just say that's, I was just saying you bring in the 5,000, that's okay. Well, what did you spend in the month breathing through your mouth?

• 23:34Speaker 00

  Uh, it was, well, it's a, I, I doubled down instead of doing 5% or matching my company, I put 11, that's why it's eight.

• 23:42Caleb Hammer?

  That's not calculated in your spending.

• 23:44Speaker 00

  Yeah.

• 23:44Caleb Hammer?

  I'm asking how much you spent in the month that we're looking at?

• 23:47Speaker 00

  I would say about 22 to 2,400.

• 23:52Caleb Hammer?

  Yeah, you spent 7,766 hours. What the are you talking about?

• 23:56Speaker 00

  I, I don't know.

• 23:58Caleb Hammer?

  Obviously, have you ever made a budget in your life?

• 24:00Speaker 00

  No, cuz I

• 24:01Caleb Hammer?

  Why?

• 24:01Speaker 00

  Cuz I've always had either something to fall back on, like the Navy and go

• 24:06Caleb Hammer?

  Your fallback, you know, the things that came in, you know, we actually had money coming in, 6,341, 1,839 of it was your income. Guess what the rest was? Personal loan, Acorns deposit, earning dis- uh, disbursement, credit fresh funding, lending club, Cash App loan drawdown.

• 24:28Speaker 00

  Yeah.

• 24:29Caleb Hammer?

  So what the are you talking about things to fall back on? You borrowed like a thousand personal loans in one month?

• 24:35Speaker 00

  Well, that

• 24:36Caleb Hammer?

  All, all, all, while spending $670 going out the gate. Is that my fiance just broke up with me? I'm gonna go gorge? Miss Lady's bull, this could be video games, it can be whatever, was $929.

• 24:55Speaker 00

  Uh, it's, it's more along the lines like I have, I just wanna go out and eat. I, and, and I, and eating at the cafeteria at work and stuff. It'll be, cuz we're in a food desert and I don't have, and I forget to pack.

• 25:12Caleb Hammer?

  Tulsa?

• 25:12Speaker 00

  Yeah.

• 25:13Caleb Hammer?

  The entirety of Tulsa's a food desert.

• 25:15Speaker 00

  Uh, the, where my base is, uh,

• 25:17Caleb Hammer?

  Your base?

• 25:18Speaker 00

  Yeah, the, the air, the airline base of

• 25:22Caleb Hammer?

  We'll bleep, we'll bleep it out. What's the airline base called?

• 25:27Caleb Hammer?

  Tulsa's like

• 25:30Caleb Hammer?

  eight minutes to drive anywhere like this is not that big of a city.

• 25:33Speaker 00

  Yeah.

• 25:33Caleb Hammer?

  Two, Aldi is not that far away. Three, Walmart's literally right next to the damn airport. Shut the up food desert. You know what a food desert is? Means they have nothing but dollar stores. Yes, there's a lot of dollar stores, but you have a Walmart right there. Shut the up. Also have an Asian market right there. A Latin, uh, Latina supermarket. I guess it's a feminine one.

• 25:56Speaker 00

  I'm only allowed thirty minutes.

• 25:57Caleb Hammer?

  What are you talking about?

• 25:59Speaker 00

  But I'm only allowed thirty minutes to get into my car.

• 26:02Caleb Hammer?

  You bring your damn food. What the are you talking about?

• 26:05Speaker 00

  That's what I was talking about is like, it's only thirty minutes. Like the whole thing.

• 26:08Caleb Hammer?

  Bring it.

• 26:09Speaker 00

  Yeah. I'm not saying I'm going to. That's why I was trying to use the cafeteria is just like.

• 26:13Caleb Hammer?

  Hey, yeah, hey, your little tit. You think when people can go and eat food every single time I eat food at home? I'm stopping at the grocery store to eat food at home. Think every time uh, someone packs a lunch here, they're going to the grocery store to get to eat their meal here? No, you go to the grocery store once or twice a week.

• 26:30Speaker 00

  Yeah.

• 26:31Caleb Hammer?

  That's what it is. And you pack your food and bring it to the damn airport. You're thirty. How the if you not able to?

• 26:39Caleb Hammer?

  Can you cook?

• 26:40Speaker 00

  Uh, my basic skills is rice and chicken.

• 26:43Caleb Hammer?

  Okay, use our cookbook. We have a budget friendly cookbook. That's one of the things you get. People get it when they sign up for the app, our budgeting app. You get the budgeting app as well. Simpler money. You get the join or simpler budget. You get the join simpler money premium. So you get access to all the live sessions every week with financial professionals, the community, the mini classes. But most importantly for you, obviously, one budgeting, automatic connection to your accounts. Two, use the fucking cookbook and cook.

• 27:13Speaker 00

  Yeah.

• 27:14Caleb Hammer?

  Cook.

• 27:15Speaker 00

  I will.

• 27:16Caleb Hammer?

  You don't live in a food desert. That was a bad excuse because it was bullshit that I was able to call out immediately.

• 27:21Speaker 00

  Yeah.

• 27:22Caleb Hammer?

  You don't know what a food desert is.

• 27:27Caleb Hammer?

  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 30-day trial to Simpler Budget with a 30-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 14th, 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 and

• 28:07Caleb Hammer?

  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.

• 28:23Speaker 00

  I was just thinking for the area for around my work. I know that-

• 28:26Caleb Hammer?

  No one goes to the grocery store to make a meal for every meal.

• 28:30Speaker 00

  Yeah.

• 28:31Caleb Hammer?

  In America, at least.

• 28:33Speaker 00

  I should have worded that differently.

• 28:37Caleb Hammer?

  How would you word it, given another try?

• 28:40Speaker 00

  Is that, um,

• 28:44Speaker 00

  that I just don't wanna cook. It's just like, because it's just easier, like, to be honest. And just, just go to a cafeteria.

• 28:52Caleb Hammer?

  That's more important than being able to move out from your moms with your ex.

• 28:57Speaker 00

  That's why I'm here is just like, because I wanna figure out if-

• 29:00Caleb Hammer?

  That's why you're here. There's, there it is. There's a catchphrase. It's a classic. You've seen the show. Come on, everyone says that.

• 29:07Speaker 00

  Yeah, just like, I'm trying to, like, put it mentally, uh, acquire it.

• 29:13Caleb Hammer?

  Okay, use the cookbook. Use the cookbook and start making some of this. So why do we have this credit card?

• 29:20Speaker 00

  Uh.

• 29:21Caleb Hammer?

  This mercury, which is at?

• 29:23Speaker 00

  Uh, is this that I had it for, uh, to try to help, um, keep my overall credit limit high.

• 29:34Caleb Hammer?

  Why? But you abuse your credit limits. You just immediately it all up.

• 29:38Speaker 00

  Is, uh, I would.

• 29:39Caleb Hammer?

  Oh, you're over the limit on this card. I used this to get my credit limit up. You're over the limit. What are you talking about?

• 29:46Speaker 00

  Well, I was paying it off and then it just.

• 29:48Caleb Hammer?

  Oh, guess what? Doesn't matter because it's over the limit. I don't give a fuck if it was being paid off. It's not being paid off. It's not being paid off. There's no paid off.

• 29:54Speaker 00

  Yeah. Well, it's just because I had a, I haven't had a car payment until just two years ago. And that's why, well.

• 30:02Caleb Hammer?

  You haven't had a car payment until two years ago?

• 30:04Speaker 00

  Yeah.

• 30:05Caleb Hammer?

  You're two years ago. This is not what? What do you mean? You can change so much in two years. You got fired from a job every damn quarter. That's different.

• 30:14Speaker 00

  Yeah, but I kept a job for over five years. It's like.

• 30:17Caleb Hammer?

  And then you got fired for four.

• 30:19Speaker 00

  Yeah.

• 30:19Caleb Hammer?

  If you get fired from four in a row, I think fuck you is what I'd say. And leaves me to no confidence in maintaining this income. We'll make a budget around it at the end, but even still, how long does this take to pay off just the minimum of payments without purchasing on it, which by the way you do?

• 30:32Speaker 00

  Seven years.

• 30:33Caleb Hammer?

  Okay, nineteen.

• 30:34Speaker 00

  Shut the fuck up. Yeah.

• 30:36Caleb Hammer?

  You purchased a thousand one hundred ten on here. Fifty-eight dollars of interest over the credit limit. What the is your philosophy here? Oh, I'm a lower credit limit because I purchased the car two years ago. Fuck you. It's because you spent a thousand one hundred ten thousand at last month. What are you talking about? It's because you got a car two years ago. Excuse, excuse, excuse. Fuck you. Be an adult.

• 30:58Speaker 00

  Yeah.

• 30:58Caleb Hammer?

  Yeah, go ahead and answer.

• 31:00Speaker 00

  This is, uh, it's just, this is, this is, uh, as.

• 31:07Caleb Hammer?

  It's okay. Take a second. Take a second, take a drink, you're, you're a good man. I know, it's hard to get confronted with the reality for the first time in your life.

• 31:15Speaker 00

  Yeah.

• 31:15Caleb Hammer?

  No one's ever done it.

• 31:16Speaker 00

  I mean, I understand that because I've, oh, I mean, I was paid attention to you, but I was also really coddled because of how my dad treated my mom and stuff.

• 31:24Caleb Hammer?

  So she coddled you?

• 31:25Speaker 00

  Yeah.

• 31:25Caleb Hammer?

  But I thought she didn't give you attention.

• 31:26Speaker 00

  I mean, she bailed me out more than three times.

• 31:28Caleb Hammer?

  Bailed? What?

• 31:29Speaker 00

  Uh, I built up a loan. And, and the Navy, she paid it off. I built it up when I moved out of her house the first time. And then she paid it off and then she paid off part of it when I got married. But she, she has a good heart.

• 31:48Caleb Hammer?

  That's why I'm, obviously, that's, that's why I'm against either.

• 31:51Speaker 00

  But I'm starting to see the effects. She's not going to be able to retire.

• 31:54Caleb Hammer?

  Are you kidding me?

• 31:56Speaker 00

  Yes, I'm sorry.

• 31:58Caleb Hammer?

  It's okay, there's tissues right there, but that's why I'm against debt consolidations and honestly, even, I'm not against that consolidations, but I'm against that consolidations and bankruptcy and stuff unless you fix your behavior first, because people just end up in the same situation. You didn't learn a lesson, you just had a bailout. How old is she?

• 32:17Speaker 00

  My mom is fifty-seven, I believe now, fifty-eight.

• 32:22Caleb Hammer?

  Luckily, she has a little time out of sight. It's just not like crazy, but, but I mean, I don't want to really work it into her eighties. Out of your mouth. Open those lips, open those lips. Good boy.

• 32:37Caleb Hammer?

  Ooh, ooh, so. Oh.

• 32:42Speaker 00

  Yeah.

• 32:47Caleb Hammer?

  Ooh.

• 32:48Speaker 00

  You want to say something? I know you do.

• 32:53Speaker 00

  I'm, I'm, I'm ready for my beating.

• 32:56Caleb Hammer?

  Oh, no, we don't make those jokes. In your episode.

• 33:00Speaker 00

  I mean, I went to a whole club for it, so.

• 33:03Caleb Hammer?

  Okay.

• 33:04Speaker 00

  And I can tell you all about the other side.

• 33:06Caleb Hammer?

  When's the last time you saw that ass?

• 33:08Speaker 00

  Uh, a couple of weeks ago for Christmas.

• 33:11Caleb Hammer?

  Why? He comes around the family?

• 33:12Speaker 00

  No, he doesn't. I go visit him because.

• 33:14Caleb Hammer?

  You want to?

• 33:15Speaker 00

  Yeah, we've had a rough time, but I also know he has.

• 33:19Caleb Hammer?

  It's a piece of shit.

• 33:20Speaker 00

  Well, we've gone through that. He has some mental disorders now that he's finally gotten recognized for.

• 33:28Caleb Hammer?

  What? I don't think people have the I hit my spouse mental disorder.

• 33:32Speaker 00

  Uh bipolar disorder and stuff like that.

• 33:36Caleb Hammer?

  I know people bipolar, they don't hit, either way.

• 33:39Speaker 00

  He's also, he's a very, very violent alcoholic.

• 33:42Caleb Hammer?

  Has he, there it is. I think that's a bigger play. Combined them, it obviously gets worse. But he never, he, she's never around him, right?

• 33:49Speaker 00

  Cause that's no, no, they're separated. They've been separated for twenty years.

• 33:52Caleb Hammer?

  Kim, Kim, I honestly wish him, I honestly wish him the worst.

• 33:57Speaker 00

  Yeah.

• 33:57Caleb Hammer?

  I, that's not.

• 33:59Speaker 00

  Well, he's in the worst. He, I mean, very after they separated.

• 34:02Caleb Hammer?

  I'm a very redemption person. I'm good with pretty much redemption on anything.

• 34:06Speaker 00

  Well.

• 34:07Caleb Hammer?

  Unless you like touch a kid or unless you uh beat like a spouse or pet or.

• 34:14Speaker 00

  Yeah.

• 34:14Caleb Hammer?

  You know, kids, those are those, you know, those two things, there's no coming back.

• 34:18Speaker 00

  Weeks after uh getting separated, he had a major wreck that crushed his whole leg.

• 34:23Caleb Hammer?

  Good.

• 34:24Speaker 00

  And uh he got a payout for over a hundred thousand dollars and then squandered it all.

• 34:29Caleb Hammer?

  Kim.

• 34:29Speaker 00

  And I mean.

• 34:30Caleb Hammer?

  I, I am, I never wish ill on like my enemies, even the people that like can, have like tried to like harm me in this industry and just different stuff, whatever it is.

• 34:39Speaker 00

  Yeah.

• 34:39Caleb Hammer?

  Like even them, I'm not like actively wanting something bad to happen, but you do that level that he did. Kim, I hope the worst happens to him. And then that honestly sucks to have that feeling, but it is what it is. So eighty-two dollar minimum monthly payment on here and fifty cents. What were we saying? There, we were obviously on an important topic.

• 34:57Speaker 00

  We were over the limit and we were uh, we were spending over a thousand one hundred.

• 35:02Caleb Hammer?

  Yeah, you, why are you doing this? Because you said, you said it's because I got a car two years ago. That's objectively incorrect. You put half your balance on just this last month.

• 35:10Speaker 00

  Right now, it's.

• 35:12Caleb Hammer?

  I, what we're talking about.

• 35:14Speaker 00

  Uh, it says, I like to use the, the little split four payments on these credit cards to uh pay for.

• 35:20Caleb Hammer?

  Yeah, zip, pay later, zip, pay later, zip to installment, zip at pay later.

• 35:24Speaker 00

  For pay for fishing and stuff is this like my.

• 35:28Caleb Hammer?

  Fishing?

• 35:29Speaker 00

  The tug is the drug, man. I can't.

• 35:30Caleb Hammer?

  And the tug is the drug.

• 35:33Speaker 00

  If, if, if you've ever been a part of the, that guy.

• 35:35Caleb Hammer?

  I bet you're a part of the tug community, especially now with her gone.

• 35:39Speaker 00

  No, I, I, I try to have something else do that for me.

• 35:42Caleb Hammer?

  Something else?

• 35:44Speaker 00

  Yeah.

• 35:46Speaker 00

  Well, I don't know how much I can share on that, but.

• 35:50Caleb Hammer?

  You can share as much as you want, but I'm curious because you didn't say someone else.

• 35:55Speaker 00

  Uh, well, I mean, there's like machines that can do it, or.

• 35:59Caleb Hammer?

  It's not, you're not using like a fish, are you?

• 36:01Speaker 00

  No, I'm not using a fish.

• 36:05Speaker 00

  But no, it's like, uh, those auto blowers or.

• 36:10Speaker 00

  Or if you ever know the place called. Dot com.

• 36:14Caleb Hammer?

  Yeah. What is that?

• 36:16Speaker 00

  Yeah, it's a, you know.

• 36:18Caleb Hammer?

  Is that a hookup site?

• 36:19Speaker 00

  Well, kinda, it's, it's where you go for like, um, massage parlors and stuff like that.

• 36:25Caleb Hammer?

  You're admitting to a crime. You're admitting to a crime, stop!

• 36:30Speaker 00

  I've never actually done it, it's just.

• 36:32Caleb Hammer?

  Why would you bring it up?

• 36:34Speaker 00

  But.

• 36:34Caleb Hammer?

  You know it.

• 36:35Speaker 00

  But I've always been interested in it, but I always know.

• 36:38Caleb Hammer?

  Oh, we know you have, there's no way you haven't.

• 36:40Speaker 00

  I have.

• 36:41Caleb Hammer?

  There's no way, you're using machines?

• 36:44Speaker 00

  Just, I'd rather use a machine sometimes, because we don't have to pay for it, have to pay for all the extra.

• 36:54Caleb Hammer?

  Where are we?

• 36:56Speaker 00

  And I'm too afraid to be somebody's bottom ditch in prison or something.

• 37:02Caleb Hammer?

  You spend money at McDonald's and shields, some bull target probably, more shields, Popeyes, you went into QT, couldn't stay away after you left there, or you were trying to see the missus almost, and.

• 37:20Caleb Hammer?

  Got some bull from there.

• 37:21Speaker 00

  Yeah.

• 37:24Caleb Hammer?

  Fifty-eight hours of interest in just, you know, a month. Last year, five hundred thirteen dollars breathed from your mouth.

• 37:31Caleb Hammer?

  Thirty-one point four nine percent interest rate on this card.

• 37:36Speaker 00

  Not the best.

• 37:36Caleb Hammer?

  Well, ladies and gentlemen, we made it through one card at forty minutes.

• 37:42Caleb Hammer?

  How can you not breathe through your mouth normally?

• 37:46Speaker 00

  Because I've gotten in a lot of fights and stuff where a lot of my structure is broken up.

• 37:51Caleb Hammer?

  Who are you fighting?

• 37:53Speaker 00

  Uh, I got in fights in like middle of school, high school and uh, defending against for being bullied and stuff.

• 38:01Caleb Hammer?

  Really?

• 38:01Speaker 00

  Yeah.

• 38:02Caleb Hammer?

  That's really sad.

• 38:03Speaker 00

  Because I don't have a filter. I'll say that.

• 38:05Caleb Hammer?

  Well, you do have to learn that. I don't have a filter, but I also know how to not get myself shot.

• 38:10Speaker 00

  Yeah, I've learned that too now.

• 38:15Caleb Hammer?

  All right, Navy Federal. What's going on here, my dude?

• 38:18Speaker 00

  Uh, which part is I'm?

• 38:20Caleb Hammer?

  The credit card.

• 38:21Speaker 00

  Oh, credit card. Uh, it's a closed one that I bought, got in.

• 38:26Caleb Hammer?

  This isn't closed, man. This is accruing. Oh, the card's closed.

• 38:30Speaker 00

  Yeah.

• 38:31Caleb Hammer?

  But it's not sent to collections.

• 38:32Speaker 00

  Yeah, no, it's never been sent to collections. It's been closed voluntarily.

• 38:38Caleb Hammer?

  Good. Thank. What's the credit? How long does this take to pay off, do you think? Minimum monthly payment, which is uh.

• 38:44Speaker 00

  Eight thousand dollars or so right now.

• 38:46Caleb Hammer?

  Eight thousand forty-one.

• 38:47Speaker 00

  It would probably take like fifty years, uh, my guess.

• 38:51Caleb Hammer?

  Twenty-four.

• 38:53Caleb Hammer?

  Eight thousand forty-one dollars and sixty-three cents. Minimum monthly payment, one eighty-four, sixty-nine.

• 39:04Speaker 00

  I'm trying my best, man.

• 39:06Caleb Hammer?

  Yeah, you just sound like you're just dying. That's my concern is do we need to call a hospital? I don't know how much the mic is picking up. Never had someone die on set. And if we do, it's probably gonna be me. So like.

• 39:17Speaker 00

  Oh, my insurance will pay for all the rest of this stuff.

• 39:20Caleb Hammer?

  To who?

• 39:21Speaker 00

  To, well, beneficiary is my current wife.

• 39:26Caleb 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. And just like over 10,000 people who've already taken our educational programs,

• 40:11Caleb Hammer?

  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. I thought you said engaged. I thought you said fiance. Did I mishear that? Oh, fuck me.

• 40:38Speaker 00

  Yeah, I said.

• 40:39Caleb Hammer?

  Why would you guys get married?

• 40:40Speaker 00

  It was in February 22nd of 2022.

• 40:46Caleb Hammer?

  What? No. When did? No, no, no, no, that's when you guys said you got together.

• 40:51Speaker 00

  No, I got, we took out together during COVID and stuff like 2021.

• 40:56Caleb Hammer?

  Okay. So you guys were actually together for a couple of years, almost three years.

• 41:00Speaker 00

  Yeah, three years.

• 41:01Caleb Hammer?

  Was it a good marriage?

• 41:03Speaker 00

  It was a first good two years. We still had our spouts and stuff.

• 41:07Caleb Hammer?

  Was she, would she call it a good marriage?

• 41:10Speaker 00

  Hmm, I'd say halfway decent. She said she'll recommend me to the next. That's, she said she would recommend me to the next girl.

• 41:19Caleb Hammer?

  I don't know what the credit limit on here is. I guess the credit limit's nothing now, but. Um, okay, yeah, that's $8,041, man, with $104 of interest accrued on a monthly basis.

• 41:31Caleb Hammer?

  $1,355,000 of interest accrued last year. A late payment fee! Why? Why? This one's closed. You're not purchasing.

• 41:39Speaker 00

  I tried to send you one that was, had the late fee. I was trying to.

• 41:42Caleb Hammer?

  Well, I'm glad you didn't because now you're getting called out. What, you want to get off? You're not going to get off easy like that. This isn't fucking sloppy maps or whatever you call the sloppy mop. Wow.

• 41:56Speaker 00

  I should, I know I have a problem. I even had it where, I mean, going back to the relationship, I was like, I did too. I asked for a small loan of like fifty bucks to put a down payment on a layaway for a toy gun.

• 42:10Caleb Hammer?

  To who?

• 42:11Speaker 00

  To-

• 42:11Caleb Hammer?

  A toy gun?

• 42:12Speaker 00

  Yeah, it's like airsoft is my big hobby then.

• 42:15Caleb Hammer?

  Wait, how old are you?

• 42:16Speaker 00

  Thirty.

• 42:17Caleb Hammer?

  Airsoft?

• 42:18Speaker 00

  Yeah.

• 42:20Caleb Hammer?

  It's for sixteen year olds?

• 42:21Speaker 00

  Well, me, yeah, a lot of me and my buddies like to do it. It was very good to-

• 42:25Caleb Hammer?

  You have a good friend group?

• 42:26Speaker 00

  Yeah, I did.

• 42:27Caleb Hammer?

  Good. Oh, did what is did?

• 42:29Speaker 00

  Uh, one friend went and get his life together, so we cut him out.

• 42:33Caleb Hammer?

  Yeah.

• 42:35Speaker 00

  Well, he, he went.

• 42:37Caleb Hammer?

  Wait, what does that mean? One person-

• 42:42Speaker 00

  He's a, he's one of the, he's one of the-

• 42:44Caleb Hammer?

  Shut up, shut up, shut up. I, I need to talk through this. Oh, one of my friends in my friend group decided to become a better person, so we cut them out.

• 42:56Speaker 00

  Oh, it's not a better person. I swear to you on that one. He, he's one of those like pick me boys like, hey, and he, he, he posts like depressed stuff like, hey, I'm like, oh, like he, he like-

• 43:11Caleb Hammer?

  Hey, I'm whole.

• 43:12Speaker 00

  Hey, uh, I'm having a bad day or like, I don't want to get hurt again, so I don't want to get this. So I don't want to ask this girl out. I'm like, oh my God. And you just see this on like Snapchats, TikToks of all his and you're just like, hey man. And they constantly ask borrow money from us and we are like, we have the-

• 43:31Caleb Hammer?

  Stop talking, please.

• 43:37Speaker 00

  And he had a, he had a better job than me.

• 43:40Caleb Hammer?

  So what did he do?

• 43:42Speaker 00

  He, he was a line technician.

• 43:43Caleb Hammer?

  So what did he do that made you guys kick him out?

• 43:45Speaker 00

  Uh, he kept getting boo hooey and asking for money.

• 43:48Caleb Hammer?

  Boo hooey, okay.

• 43:49Speaker 00

  Yeah, so every time he got with a relationship.

• 43:52Caleb Hammer?

  So that's him trying to get his life better. It's him asking for money from you guys.

• 43:55Speaker 00

  Yeah, well, no, we would give him the money. He would spend it on like airsoft or something really ridiculous. And not use it.

• 44:03Caleb Hammer?

  You recognize it's ridiculous.

• 44:04Speaker 00

  Yeah, oh yeah, true. Everything I've done so far has been ridiculous. I think I would thought, I'm gonna be honest, I always thought my twenties was just be the around moment and then I'll get together my thirties.

• 44:14Caleb Hammer?

  A lot of people it is, but obviously you're not.

• 44:17Speaker 00

  Yeah, I hit thirty before I could fix it.

• 44:22Caleb Hammer?

  And the rest of your friends, you have a good support system and good friend group?

• 44:25Speaker 00

  Yeah.

• 44:26Caleb Hammer?

  Okay, so when you, when you said I did, you meant you only kicked out that?

• 44:30Speaker 00

  Yeah, the, the, the, yeah.

• 44:38Speaker 00

  The other ones are really nice. The other one just bought his first house, so.

• 44:41Caleb Hammer?

  Good for him.

• 44:44Caleb Hammer?

  What is, I've never heard of Credit Fresh.

• 44:46Speaker 00

  Credit Fresh is a line of credit. It's instead of like a credit card, you ask for draws to thing. Because I was trying to keep my accounts from overdrafting. I thought it'd be good to, uh, and trying to get it out.

• 45:01Caleb Hammer?

  Well, you didn't even ask my past question. Why was there a late fee on that past card?

• 45:06Speaker 00

  Uh, I forgot about it. I didn't, I didn't, this is my first time that I've had a late fee in, in doing this. It's just, I just forgot about it.

• 45:17Caleb Hammer?

  You overdraft.

• 45:20Speaker 00

  Yeah.

• 45:20Caleb Hammer?

  You're drawing this loan out so you don't overdraft. Probably to make the payments, so you're not late. So you're borrowing debt in order to not be negative when you're checking your account in order to pay your minimum payments to your debt.

• 45:30Speaker 00

  I recognize I'm a Rob Peter, save Paul kind of pay Paul person. And it's not, it's not working. It just keeps digging and digging and digging. And it's like, I mean, I really just wanted to like, I just wanna like,

• 45:47Speaker 00

  I just wanna be like,

• 45:50Speaker 00

  just go out and, and not worry. And then I can just worry about it at home when I'm not doing anything. I, just keep posting it off because,

• 45:59Caleb Hammer?

  I asked you a question.

• 46:00Speaker 00

  Shoot, like next week I might die.

• 46:02Caleb Hammer?

  Yeah, but on the statistical likelihood that you're not, why not sacrifice today for the better future? If you die, you won't know that you have sacrificed. You don't, you won't know that you missed fun. Cause you're dead. So who cares? And breathe out of your mouth. If you keep breathing on your nose like that, I'll make you die right now. So, okay.

• 46:22Speaker 00

  We could do an NGO.

• 46:23Caleb Hammer?

  Can I ask you a question? Your philosophy?

• 46:25Speaker 00

  Yeah.

• 46:26Caleb Hammer?

  Versus your goals here. Is it working?

• 46:29Speaker 00

  No.

• 46:29Caleb Hammer?

  So stop!

• 46:30Speaker 00

  Yeah.

• 46:31Caleb Hammer?

  I will never understand the, this is what I want, but this is what I do because. So change it! Change it!

• 46:39Speaker 00

  Yeah, hedonism isn't for me.

• 46:41Caleb Hammer?

  Huh?

• 46:41Speaker 00

  Hedonism is not for me.

• 46:43Caleb Hammer?

  So it's a thousand five hundred thirty eight dollars with a fifty three dollar minimums payment. What is the interest on here?

• 46:50Speaker 00

  A hundred and thirty eight percent.

• 46:53Caleb Hammer?

  No.

• 46:54Speaker 00

  Yeah, it's.

• 46:55Caleb Hammer?

  Why are you still taking money from this? Cause you just drew a hundred twenty five and then a hundred and then eight ninety. And then seven fifty in one month, one month, three draws.

• 47:08Speaker 00

  Uh, to keep, um, I really needed some like.

• 47:13Caleb Hammer?

  That much? How are you that far down?

• 47:15Speaker 00

  Some, some, so I can't, they don't give me the tools. I have to.

• 47:18Caleb Hammer?

  Huh?

• 47:19Speaker 00

  At work, I have to have.

• 47:20Caleb Hammer?

  Oh, don't tell me.

• 47:21Speaker 00

  I have.

• 47:22Caleb Hammer?

  Oh, you're not one of those.

• 47:24Speaker 00

  Well, I have.

• 47:25Caleb Hammer?

  Get it.

• 47:26Speaker 00

  I have a minimum equipment list I have to have.

• 47:28Caleb Hammer?

  I know, but what did you do to get it?

• 47:30Speaker 00

  Uh.

• 47:30Caleb Hammer?

  Did you get any used tools?

• 47:32Speaker 00

  No.

• 47:32Caleb Hammer?

  Uh huh.

• 47:33Speaker 00

  I didn't, I, I wasn't able to get used tools because there was a lot of problems going at the time.

• 47:37Caleb Hammer?

  How the fuck do you mean a lot of problems? Was nine eleven happening? I don't think so.

• 47:40Speaker 00

  No, it's just.

• 47:41Caleb Hammer?

  So it was okay.

• 47:42Speaker 00

  Because with my situation with my mom, uh, and everything, I couldn't ask her for extra money to try to.

• 47:49Caleb Hammer?

  How does that?

• 47:49Speaker 00

  Because I needed a toolbox and everything to go down to OKC and OKC already accepted my offer and.

• 47:55Caleb Hammer?

  Okay, but you could like personal loan or even credit card.

• 47:59Speaker 00

  Yeah, but I didn't have the credit score to do that.

• 48:02Caleb Hammer?

  You're drawing on here.

• 48:04Speaker 00

  Yeah.

• 48:05Caleb Hammer?

  So you had.

• 48:05Speaker 00

  I needed like almost five, six thousand dollars in tools.

• 48:09Caleb Hammer?

  Yeah. What would it have been used? Have you looked? Have you even shopped? Do you know?

• 48:12Speaker 00

  I tried getting used tools. My brother in law actually offered me his uncle's try to get, try to get his deceased uncle's tools. But it just, I couldn't get them in time for.

• 48:24Caleb Hammer?

  Couldn't get them in time, buddy, buddy.

• 48:27Speaker 00

  Cause the, cause, cause I had to get it in. I just got the offer in May.

• 48:32Caleb Hammer?

  I understand that.

• 48:33Speaker 00

  Go in June. So I had to get a toolbox and everything.

• 48:37Caleb Hammer?

  This current, oh, for the other.

• 48:39Speaker 00

  For OKC.

• 48:40Caleb Hammer?

  For the job that you got fired from after the three jobs you got fired from before this job that you're gonna get fired from. Right. Okay, that's.

• 48:46Speaker 00

  I'm not gonna get fired from this one, I swear.

• 48:48Caleb Hammer?

  Well, so far statistically, I'm not living up to that, I'll be honest. Okay. Great. So you're one of the tool debt guys, really collecting the financial audit and infinity stones.

• 49:03Speaker 00

  Yeah, but I haven't, I mean, I've at least paid the truck off. But not the, but not the, the, so.

• 49:11Caleb Hammer?

  Oh, the tool truck, the sexy little tool truck where the dude comes out with his nips and it's like, ew. And you're like, buying all the tools in a million percent.

• 49:19Speaker 00

  Yeah, and but once I actually started getting the money coming in and whatever tools I needed, I went to like Northern Tool and Harbor Freight and all them for the rest of the stuff. But my minimum stuff I had to feel like I had to finance.

• 49:33Caleb Hammer?

  There's a big.

• 49:36Caleb Hammer?

  Well, um, bad debt, that one ally. Let's see.

• 49:42Caleb Hammer?

  Yeah. Oh, no. Twenty nineteen Hyundai Veloster. One, I've never even heard of that car. Two, you're getting fired from jobs left and right during this time. So what the?

• 49:50Speaker 00

  That's actually how I got.

• 49:52Caleb Hammer?

  Three, you owe thirty one thousand nine hundred nineteen dollars and forty cents. Four, how much do you think it's worth?

• 50:00Speaker 00

  Hmm, I think the last check I was a thirteen thousand.

• 50:03Caleb Hammer?

  Twelve thousand, twelve thousand five hundred on a thirty one thousand nine hundred nineteen dollar loan. What is the interest rate on this loan?

• 50:11Speaker 00

  Sixteen point nine nine.

• 50:14Caleb Hammer?

  Why have you done this to yourself? I will not understand.

• 50:17Speaker 00

  Because the car that I had no payment on, uh, I had fixed the alternator, had fixed, uh, ball joints and everything out of it. And I finally started and finally getting out electrical issues with the starters and, and not cooperating.

• 50:32Caleb Hammer?

  Cool, cool, cool. So what did you purchase this car for?

• 50:35Speaker 00

  Uh, I'd of want more so than.

• 50:39Caleb Hammer?

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

• 50:42Speaker 00

  Thirty six thousand.

• 50:43Caleb Hammer?

  Cool. So there was nothing between the zero dollar car and the thirty six thousand hour car. There was nothing. There was no cars available. There was certainly nothing we could do.

• 50:50Speaker 00

  I.

• 50:51Caleb Hammer?

  There was nothing.

• 50:52Speaker 00

  No matter what, I was gonna go underneath for any car that I was gonna go.

• 50:55Caleb Hammer?

  I'd rather you be underneath on a ten thousand hour car, ten thousand hour loan than a thirty thousand hour loan. Are you fucking, what are you talking about? You're fixing, we're trusting you to fix planes and you don't realize that that's a big difference? Come on.

• 51:08Speaker 00

  Yeah.

• 51:08Caleb Hammer?

  No wonder you think you live in a food desert with a Walmart next door. What are you talking about?

• 51:12Speaker 00

  It's it's more like it's a car I've always wanted like and I

• 51:17Caleb Hammer?

  Always wanted so we do it when we're a hundred thousand dollars in debt?

• 51:21Speaker 00

  It was a hundred thousand.

• 51:22Caleb Hammer?

  Bad debt, no mortgage.

• 51:23Speaker 00

  It was a hundred thousand back then. I mean, I was, I only had one card back then and stuff. And that was

• 51:30Caleb Hammer?

  Did you meet your Moi fish?

• 51:34Speaker 00

  Uh, before I've got that car? No, I got

• 51:36Caleb Hammer?

  You got this alone.

• 51:38Speaker 00

  We're actually co borrowers on that car and now we're separating. So that's

• 51:42Caleb Hammer?

  What did you put down?

• 51:44Speaker 00

  Nothing.

• 51:45Caleb Hammer?

  With the amount of interest that accrued on this car, man, because of how the S and P five hundred has done over these past few years, it just literally had its best year in the millennium. This last year, man, if I opened up my brokerage that I personally use Mu Mu and I bought into the S and P five hundred around then. Instead of this thirty thousand dollars, thirty six thousand dollars that I'm paying interest to, I that you would have just made so much. This is just, it's just so against you. This is not productive and now you're dramatically underwater. Everything's, did you have retirement?

• 52:15Speaker 00

  Uh, I have my four one K.

• 52:17Caleb Hammer?

  How much?

• 52:18Speaker 00

  Uh, six hundred dollars and and a hundred dollars in investments. I mean, what's the dream of like having the car you've always wanted since you were a kid?

• 52:29Caleb Hammer?

  I'm down with it.

• 52:31Speaker 00

  It's just like, I mean, you have a

• 52:32Caleb Hammer?

  I'm down with it.

• 52:33Speaker 00

  A Tesla Y.

• 52:34Caleb Hammer?

  You did it just because

• 52:35Speaker 00

  Which is one of the more premium.

• 52:36Caleb Hammer?

  I will answer your question because you asked it. Uh, would you like to hear the answer?

• 52:40Speaker 00

  Yes, sir.

• 52:41Caleb Hammer?

  Cause I could afford it. You couldn't afford this.

• 52:45Speaker 00

  Yeah, I I was

• 52:47Caleb Hammer?

  We get the car we can afford.

• 52:48Speaker 00

  Is before my grandpa died, I was the one asking him for money to buy, get this car.

• 52:53Caleb Hammer?

  Am I in a privileged position? Absolutely. Absolutely. So I was able to get the car that I wanted to and it was really cool and I'm very blessed for that. And I'm sorry that you could not afford the car that you wanted, but math is math is math and we live in the real world and you're not coddled. And we don't get to the end of life in a better way throughout life. Everyone just goes around you and says, oh, I wish you could have got to call you that we wish you would get. That's not how our society and culture works. No one helps you if they, if they're gonna baby you. No one helps you if they're just gonna fuck coddle. So guess what, dude? You couldn't afford this, even if it was your dream car. So you don't get it. I'm sorry. That's the way the world works. I'm sorry. Because now you fuck yourself. You have fucked yourself.

• 53:35Speaker 00

  I will, I will fuck myself. I'll take it right out of me.

• 53:40Caleb Hammer?

  Huh?

• 53:41Speaker 00

  I'm I'll be I will un myself. This.

• 53:45Caleb Hammer?

  You will? You will?

• 53:48Speaker 00

  I will. Sorry. I have a slight twang. Uh, I will, I will. It it when I get nervous, I start doing that.

• 53:56Caleb Hammer?

  Okay, good. Try to say what you're trying to say.

• 53:58Speaker 00

  I will un myself.

• 54:00Caleb Hammer?

  Okay, go ahead. How? Because the debt only has been going up and you missed payment on one of the cars we looked at? And you're above the credit limit on the other one and you're dramatically underwater by two thirds on this car.

• 54:09Speaker 00

  Because I have a guaranteed contract to go one hundred and fifty thousand in five years.

• 54:13Caleb Hammer?

  Hundred fifty thousand? But what if they fire you? What's the buyout? Is there a buyout of the contract?

• 54:17Speaker 00

  No.

• 54:18Caleb Hammer?

  Then what the?

• 54:19Speaker 00

  The only severance I get is is.

• 54:21Caleb Hammer?

  So there is no real guarantee. You're just saying if you stay there. So shut the up, buddy. As someone who's been fired from the last four jobs, statistically, you are not lining up correctly for this.

• 54:30Speaker 00

  I have a.

• 54:33Speaker 00

  Nah.

• 54:34Caleb Hammer?

  Okay. Take your time.

• 54:37Speaker 00

  I haven't been fired from the last four jobs. I've only been fired from that job. I have picked up another aviation job in between those. For prop aviation.

• 54:46Caleb Hammer?

  I'm not much of a car gun. I'll be honest. I'm more go for the technology. That's why I went for the Tesla. I know, oh, Tesla, uh. I know. Everyone loves it when I mention it, but. It's like, uh, like I just go for the technology. I really don't get it. Why is this your dream car? This doesn't seem uh, like anything to me.

• 55:03Speaker 00

  Well, after.

• 55:05Caleb Hammer?

  Put a picture up of a twenty nineteen Hyundai Veloster.

• 55:08Speaker 00

  Uh, spec in.

• 55:10Caleb Hammer?

  Huh?

• 55:10Speaker 00

  In spec. It's a special edition. It's for, uh, it's for track use mostly.

• 55:17Caleb Hammer?

  Right, which I'm sure you're doing all the time. What's it zero to sixty?

• 55:21Speaker 00

  Uh, it was like three or four seconds. Uh, with a top out of.

• 55:27Caleb Hammer?

  It's a normal fast car. Okay.

• 55:29Speaker 00

  Yeah. It's just, it's just.

• 55:32Caleb Hammer?

  Okay.

• 55:32Speaker 00

  It's more the specs on like how it fast on the nerbeering.

• 55:35Caleb Hammer?

  It's not worth being in your life. That's sixteen percent interest. What's the term length on this? Because you've barely made any progress. I, I, have you missed payments?

• 55:44Speaker 00

  No.

• 55:45Caleb Hammer?

  Have you put payments to the back of it? Like, you've made no progress in that. Wait, when did you buy this?

• 55:50Speaker 00

  Twenty twenty-two, twenty twenty-three.

• 55:52Caleb Hammer?

  You've made no progress on those. Twenty twenty.

• 55:55Speaker 00

  Yeah, twenty twenty-three. That was it. It was December, so it would only be a year and now.

• 56:01Caleb Hammer?

  Okay, Capital One quicks over.

• 56:04Caleb Hammer?

  What's up with this? What are we gonna learn from this? Cause every single one of these so far.

• 56:09Speaker 00

  It started out as a 750 card and I was like, I can't do this. So I cut it down in half so I can pay it off every time.

• 56:18Caleb Hammer?

  Huh? Okay. So what's going on?

• 56:22Speaker 00

  I'm still not paying it off. Um, um, because I know.

• 56:26Caleb Hammer?

  You paid actually a big payment towards it, but then you spent a thousand four hundred thirty one dollars. Easy. Thirty one dollars.

• 56:32Speaker 00

  Yeah.

• 56:33Caleb Hammer?

  What? Wait, how can you spend a thousand four hundred thirty one dollars with a credit limit of three hundred fifty dollars?

• 56:37Speaker 00

  Cause I cut it down.

• 56:40Caleb Hammer?

  Oh, well, there is a balance of three forty right now. So basically maxed out and three cents with a minimum payment of twenty five dollars. What the fuck is happening here?

• 56:47Speaker 00

  It is.

• 56:48Caleb Hammer?

  Oh, it's all bullshit. There's not a single necessity on here. It's all just highlighted lines.

• 56:56Speaker 00

  Yeah, yeah. I'm, yeah, I'm, but it's.

• 56:59Caleb Hammer?

  What?

• 57:01Speaker 00

  I'm self-deprecating. I try, I put myself down when I'm like.

• 57:04Caleb Hammer?

  What'd you say? You just made a sound.

• 57:05Speaker 00

  I'm a, I'm a dumbass. This is what I said. And I was like, uh.

• 57:09Caleb Hammer?

  You're a dumbass.

• 57:09Speaker 00

  Yeah.

• 57:10Caleb Hammer?

  In your actions and others in life, maybe not, but this is the dumbassery of a statement.

• 57:15Speaker 00

  Yeah.

• 57:16Caleb Hammer?

  This is a credit card that is maxed out. That is accruing interest. What the fuck are you doing? You're going Macto Cool, Macto Tools. Hundred twenty three dollars and Whataburger going in a gas station, getting some BS. What's Imperial?

• 57:29Speaker 00

  It's the, I'm basically owned by the, uh, the, uh, what are those things? Vending machines. I.

• 57:37Caleb Hammer?

  They're owned by the vending machines?

• 57:39Speaker 00

  Basically owned by the vending machines. I like to get like my breakfast and stuff out of them.

• 57:43Caleb Hammer?

  Your breakfast from a vending machine? What a way to start the day.

• 57:46Speaker 00

  Yeah, it's the.

• 57:47Caleb Hammer?

  What do you get from a vending machine for breakfast?

• 57:50Speaker 00

  A pop tart maybe, or sometimes there's.

• 57:52Caleb Hammer?

  You know, they have those at Walmart where you work right next to it on cheaper. You know, they also have cereal at Walmart where you work, where it's close to work that is cheaper.

• 58:01Speaker 00

  Uh, it's just convenience of me being like.

• 58:04Caleb Hammer?

  They would be more convenient to grab a pop tart, eat it on your fucking car ride.

• 58:08Speaker 00

  Yeah.

• 58:08Caleb Hammer?

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

• 58:10Speaker 00

  Yeah.

• 58:11Caleb Hammer?

  So you pass many grocery stores on the way.

• 58:14Speaker 00

  Yeah, I do, but it's just.

• 58:18Speaker 00

  Oh, don't do me like that.

• 58:19Caleb Hammer?

  Buddy, come on. Of course I'm gonna do that. You said you lived in a food desert. That's a certified.

• 58:25Speaker 00

  My work.

• 58:26Caleb Hammer?

  But it's also not correct.

• 58:28Speaker 00

  Is my food desert.

• 58:29Caleb Hammer?

  But it's also not correct. Buy a food desert? I don't care if it's buy if it's in. It's not. I looked at the map.

• 58:35Speaker 00

  Yeah.

• 58:39Caleb Hammer?

  Alright, well, vending machine, vending machine, vending machine, uh, working at, uh, just the, uh, the eatery. Oh, McDonald's going in, getting some BS vending machine, vending machine, McDonald's, vending machine, vending machine, McDonald's, vending machine, resers?

• 58:54Speaker 00

  Mm-hmm. The resers is our local, uh, is our food, is our food supermarket. I go there to get stuff to make like jambalaya and stuff like that for the family and everything.

• 59:05Caleb Hammer?

  Food desert.

• 59:06Speaker 00

  I cook, yeah, I cook for the family sometimes.

• 59:09Caleb Hammer?

  Food desert.

• 59:11Caleb Hammer?

  Water burger. Returned mobile ACH payments? A returned ACH payments? Returned? I didn't have enough fucking money. What happened?

• 59:20Speaker 00

  Because I don't, uh, it's just.

• 59:22Caleb Hammer?

  McDonald's.

• 59:25Caleb Hammer?

  Tackling outdoor, yeah, for your little fish.

• 59:27Speaker 00

  Yeah.

• 59:27Caleb Hammer?

  Tackling outdoors. Stop, buddy. You can't afford that hobby, obvi-.

• 59:31Speaker 00

  Obviously.

• 59:33Caleb Hammer?

  Obviously, just swim, okay? Catch them with your mouth. One Korean barbecue and hot. One Korean, is that one of your place on your special map?

• 59:43Speaker 00

  Yeah.

• 59:43Caleb Hammer?

  The little rub map?

• 59:44Speaker 00

  Uh, no, that's actually a Korean barbecue place that me and my wife go for special occasions.

• 59:50Caleb Hammer?

  Special?

• 59:50Speaker 00

  Yeah, well, not, well, maybe special.

• 59:53Caleb Hammer?

  Go inside the gas station, got some BS, go inside the gas station, get some BS, go inside the gas station, get some BS.

• 59:58Speaker 00

  Period services.

• 59:59Caleb Hammer?

  It's just like. Vending machine, acto tools, brewing.

• 1:00:04Speaker 00

  A minute away.

• 1:00:04Caleb Hammer?

  Got some stuff and some BS. Stop at a gas station, got some BS. Stop at a gas station, got some BS. Slim's barbecue, stop at a gas station, got some BS, and an action restaurant for seventy dollars.

• 1:00:14Speaker 00

  Yeah, I mean, if you don't.

• 1:00:15Caleb Hammer?

  Wait, why the fuck are you going with your wife? She broke up with you.

• 1:00:18Speaker 00

  Well, because we're still on good standing. We're real, we're still best friends. And we, we hang out.

• 1:00:23Caleb Hammer?

  Also, she lives with your mom with cockroaches. Why do you live there making so much money? I'm so confused.

• 1:00:27Speaker 00

  We.

• 1:00:28Caleb Hammer?

  I don't get this whole situation. It's fine. It's paper, buddy. The, he broke the chair.

• 1:00:35Caleb Hammer?

  It's a habit to break the chair?

• 1:00:36Speaker 00

  No, it's a habit of like, oh, something dropped. Because if you're working on-

• 1:00:41Caleb Hammer?

  Like the planes out of the air that you work on?

• 1:00:43Speaker 00

  Yeah, if you drop something, you want to make sure it doesn't get left behind.

• 1:00:46Caleb Hammer?

  Let's prevent it from dropping next time. So as many of you know, I've been a big supporter of Course Careers for a long time. I'm not just a partner, I actually own stock and I'm an investor. So why did I partner with Course Careers? Because I truly believe in what they're doing. A lot of people have questions about online certifications versus traditional college degrees. Let me be clear, I wouldn't put my name behind something unless I knew it worked. The thing is, not everyone has the time or resources to spend four years in college or take on massive student loan debt. Course Careers offers a practical, affordable way to launch a career in a high-demand field like tech sales, IT, and accounting, where companies are hiring based on the skills needed, not broad college degrees. In fact, right now, one in three companies are dropping degree requirements,

• 1:01:31Caleb Hammer?

  and that number is only going to continue to grow. I know some people think online programs are a quick fix, but that's not the case here. Course Careers takes effort and commitment, but they provide you with a streamlined, proven path. They offer up-to-date, self-paced courses, one-on-one or group coaching from people that work in the industry, and most importantly, they help you actually get hired. Just look at graduates like Namso, who went from driving FedEx trucks to a cybersecurity job at Disney. That didn't happen by chance. He put in the work and Course Careers guided him every step of the way. And what truly sets Course Careers apart is that it's not just about learning skills, but landing a job. Their curriculum is designed based on what employers actually need, and their network of industry coaches will guide you through the entire process,

• 1:02:15Caleb Hammer?

  from learning the skills to interviewing, resume help, and beyond. So if you're serious about starting a new career without wasting years or piling up debt, give Course Careers a try. Start with their free intro course, linked in the description to explore your options. And when you're ready, use the link in the description for $50 off the full course. Your future starts right now, and Course Careers is here to help you shape it.

• 1:02:37Speaker 00

  Yeah, but it's just, we're still on good standing. And also, it was at the time, like, I just didn't want to leave her-

• 1:02:43Caleb Hammer?

  Why do you still live there?

• 1:02:46Speaker 00

  Because after I lost my job in OKC, every other job was to come back home, because Tulsa's a much bigger-

• 1:02:55Caleb Hammer?

  Cool. Why do you live at home though?

• 1:02:57Speaker 00

  Uh, because I want to get a down payment ready for to buy my.

• 1:03:02Caleb Hammer?

  Are you really gonna get a house? I'm a little nervous for you to have the responsibility of owning a house.

• 1:03:08Speaker 00

  I'm, I'm gonna buy my grandpa's land. Yeah, it's in Bigsby. It's in.

• 1:03:15Caleb Hammer?

  How far away from that, from the airport?

• 1:03:17Speaker 00

  Uh, thirty minutes.

• 1:03:18Caleb Hammer?

  You're really not gonna cook out there was the closest grocery store to?

• 1:03:21Speaker 00

  Uh, fifteen minutes to Glenpool. Uh, actually Bigsby is sprawling out, so I think if I buy that land, it'll actually.

• 1:03:29Caleb Hammer?

  That'd be great. What do you need? Who owns it?

• 1:03:31Speaker 00

  My grandma. It's fully bought out.

• 1:03:33Caleb Hammer?

  And she wants to sell it to you?

• 1:03:34Speaker 00

  She's says she's gonna sell it this year.

• 1:03:37Caleb Hammer?

  Why doesn't she do owner financing to you and just like?

• 1:03:40Speaker 00

  She wants me to, she wants whoever is gonna get it is to get a loan, so she's.

• 1:03:44Caleb Hammer?

  So it's a race between family members. It's a race?

• 1:03:48Speaker 00

  Uh, none of my family members make any money.

• 1:03:50Caleb Hammer?

  Well, I grew. Your sister does well.

• 1:03:53Speaker 00

  My, my, uh, they're, they're, they're half siblings. They're not from my dad's side of the family. It's, it's very complicated in that weird world.

• 1:04:03Caleb Hammer?

  Not really.

• 1:04:04Speaker 00

  It's just.

• 1:04:04Caleb Hammer?

  They're your half siblings.

• 1:04:05Speaker 00

  Yeah, but they're not in like, they get upset if I say they're half siblings, so I just call my brother and sister.

• 1:04:13Caleb Hammer?

  Cause they probably just view you as your brother, as the.

• 1:04:15Speaker 00

  Nobody else in my.

• 1:04:16Caleb Hammer?

  So what is this? She wants someone to take out a loan, so you're just trying to get enough money down to qualify for a loan?

• 1:04:22Speaker 00

  Yeah, well, I also get the.

• 1:04:23Caleb Hammer?

  How much money?

• 1:04:25Speaker 00

  Technically, I won't need any money for.

• 1:04:27Caleb Hammer?

  How much is she wanting for the house, you fuck?

• 1:04:31Speaker 00

  I think she wants about a hundred and fifty, two hundred thousand.

• 1:04:34Caleb Hammer?

  Okay, so what are you trying to save up for a down payment, even though you get the VA loan?

• 1:04:37Speaker 00

  Because it puts skin in the game.

• 1:04:41Caleb Hammer?

  I've said how much?

• 1:04:43Speaker 00

  Oh, uh, I, I want about five percent in before.

• 1:04:48Caleb Hammer?

  She wants to sell it for exactly. You gave her range. Well, she doesn't have a number?

• 1:04:52Speaker 00

  She doesn't have a number yet.

• 1:04:53Caleb Hammer?

  So what are you gonna do? Then a hundred fifty, is that what you're saying?

• 1:04:55Speaker 00

  Yeah.

• 1:04:57Caleb Hammer?

  So seven thousand five hundred, we can get there, we can get you there in two seconds. But you shouldn't get a house without a fully funded emergency fund. You shouldn't get a house without having all this bad debt paid off. You have over, if you get a mortgage for like a hundred fifty thousand dollars, it's almost equal to all your bad debt added up.

• 1:05:11Speaker 00

  The emergency fund should come after debt. That's what the, that's what the money of order of operations says that.

• 1:05:17Caleb Hammer?

  Yes, I said, don't get a house until you have an emergency fund or until you're out of debt.

• 1:05:21Speaker 00

  I misunderstood, I'm.

• 1:05:22Caleb Hammer?

  Yeah, it's okay. Maxco tools.

• 1:05:27Speaker 00

  I don't even know what technically the interest is on that.

• 1:05:29Caleb Hammer?

  Great.

• 1:05:30Speaker 00

  Uh, it's like sixty, or it's like five years worth of weeks. Cause they do it by the week and then they don't tell me the interest, they just tell me the payment.

• 1:05:40Caleb Hammer?

  Looks like thirty two percent interest rate.

• 1:05:46Speaker 00

  Wow.

• 1:05:49Speaker 00

  That was close to my calculation. When I did it at home.

• 1:05:52Caleb Hammer?

  Balance, well, well, maybe not though. I mean, the balance has gone up. So I was calculating off that. Why, why, why has the balance gone up?

• 1:05:59Speaker 00

  Uh, that should just be a quarterly statement. They only send it out every.

• 1:06:02Caleb Hammer?

  Why is it going up at the quarter though?

• 1:06:04Speaker 00

  Uh, I've made every payment. I don't know why, if it's going up.

• 1:06:09Caleb Hammer?

  Nine, oh, the beginning of this quarter, wait, no, no, no, no, but the beginning of this quarter.

• 1:06:13Speaker 00

  Uh, the very bottom is what it's supposed to.

• 1:06:15Caleb Hammer?

  Ten?

• 1:06:15Speaker 00

  Talk about.

• 1:06:17Caleb Hammer?

  Where are?

• 1:06:18Speaker 00

  Sorry.

• 1:06:20Caleb Hammer?

  You're a mess. What? Okay, what are you, oh, today? Yeah, no, no, your balance went up. Balance went from two, two, twenty thousand five hundred fifty four to twenty two thousand.

• 1:06:31Speaker 00

  Uh, I did have to get some tools.

• 1:06:35Caleb Hammer?

  Oh, did you?

• 1:06:36Speaker 00

  But I didn't think I financed them through them. I did it through the.

• 1:06:40Caleb Hammer?

  What a fuck racket. They got you guys locked down. Weekly payment, a weekly payment of eighty six twenty five.

• 1:06:47Speaker 00

  Yes.

• 1:06:48Caleb Hammer?

  Yo, three hundred forty-five dollars a month. These are stacking now, man. So stacking out. This is stupid. Stop it. You almost got entire free tools from your uncle's dead someone's. This, we don't need. This is stupid. Get, did you get the free fucking tools?

• 1:07:05Speaker 00

  No, uh, because I already had to get the tools anyway from.

• 1:07:10Caleb Hammer?

  Hey, get the free, hey, hey, hey, get the free tools and sell the other fucking tools and pay down the debt.

• 1:07:17Speaker 00

  Yeah, I, I would have lost the contract if I did.

• 1:07:20Caleb Hammer?

  I'm saying now, you shit. Get it now. Sell your tools. You'll take a loss, but it goes towards the fucking debt. Math.

• 1:07:32Caleb Hammer?

  Merrick Bank for what?

• 1:07:34Speaker 00

  Uh, another credit card.

• 1:07:39Caleb Hammer?

  For what?

• 1:07:42Caleb Hammer?

  Cause why is it a thousand nine hundred sixty-four dollars and forty-eight cents?

• 1:07:46Speaker 00

  Uh, because it's not at its max limit.

• 1:07:51Caleb Hammer?

  No, no, why'd you get up to that? Buddy, buddy, questions.

• 1:07:56Speaker 00

  Instance is like.

• 1:07:57Caleb Hammer?

  What did you spend on it? Don't my. Oh my, what did you, oh my.

• 1:08:03Speaker 00

  Uh, a lot of it's.

• 1:08:04Caleb Hammer?

  Questions are not difficult.

• 1:08:06Speaker 00

  Uh, I got that turned temporarily off for six months. So I was mostly fishing stuff. That was my, yeah.

• 1:08:13Caleb Hammer?

  Ah. Stop.

• 1:08:16Speaker 00

  I mean.

• 1:08:18Caleb Hammer?

  Two hundred sixteen, oh, fees, buddy. Ninety-six dollars of fees this year.

• 1:08:23Speaker 00

  Yeah, they, they automatic, yeah, of, they have an automatic like hundred dollar a year spread out over a month and then late fees. It's, I know it's that baked in stuff, but I felt like I, that was bought so I could start retry to rebuild credit and that was my very first card to re-buy back.

• 1:08:43Caleb Hammer?

  Your credit, man. I don't care. You're destroying your life. Forty-one dollar minimum payment.

• 1:08:50Speaker 00

  And

• 1:08:52Speaker 00

  And I well, I've I've I've looked at the fizz card and everything and stuff is just

• 1:08:56Caleb Hammer?

  I recommend that.

• 1:08:57Speaker 00

  It's just the $200 intro membership was like, oh,

• 1:09:01Caleb Hammer?

  Well, that's new. They kind of just turned that on, but we're uh we're we're working with them on our link to make sure it's like much more

• 1:09:09Speaker 00

  much, much, much, much. So it incentivizes my mind is like, oh, I can just fix this card.

• 1:09:13Caleb Hammer?

  Well, they do that instead of like interest and stuff. So it's different or you know, extra fees.

• 1:09:17Speaker 00

  I mean, anyway, it would still work out over and to be better, but it's just like the intro rate is just like, oh, I can fix myself. I can fix myself.

• 1:09:25Caleb Hammer?

  Well, yeah, obviously can't. How's that working? Hmm. Okay. So

• 1:09:29Speaker 00

  It'll get there.

• 1:09:29Caleb Hammer?

  Oh, what is the sheet? I mean, what is the sheet? Money owed to mom 13,000 at 6%? She's charging the interest?

• 1:09:38Speaker 00

  Simple interest. So it's not compounded at least. Yeah. So take the, take whatever I initially and then just add 6% to it.

• 1:09:46Caleb Hammer?

  It was just added.

• 1:09:46Speaker 00

  And then

• 1:09:47Caleb Hammer?

  Does that the 13,000?

• 1:09:48Speaker 00

  That's the final.

• 1:09:49Caleb Hammer?

  Is 13,000 the final amount?

• 1:09:50Speaker 00

  Yes.

• 1:09:51Caleb Hammer?

  Why do you have this to your mom?

• 1:09:54Speaker 00

  It's well, because I needed money to move down to okay, see that's why.

• 1:10:00Caleb Hammer?

  You've never had money for anything yet. You just do everything. This doesn't make any sense, but you have always made money.

• 1:10:04Speaker 00

  Been able to just ask my mom or ask my

• 1:10:07Caleb Hammer?

  But that's not money. That is fucking debt.

• 1:10:09Speaker 00

  And but it's just

• 1:10:10Caleb Hammer?

  But, but shut the fuck up.

• 1:10:12Speaker 00

  Made a good case is like, I'm going to be making this. I can pay you this amount.

• 1:10:16Caleb Hammer?

  No, I'm sure you're able to justify it like crazy, but guess what? It still has not worked.

• 1:10:20Speaker 00

  That's how I got a life.

• 1:10:21Caleb Hammer?

  Ah, I don't care. I don't care. What's the minimum monthly payment on this? Is there?

• 1:10:26Speaker 00

  300 amounts to her.

• 1:10:28Caleb Hammer?

  Yeah. She lives with the roaches? Is she in like section eight or like what?

• 1:10:32Speaker 00

  No, she, her house is bought and paid for.

• 1:10:35Caleb Hammer?

  It's a house that she owns.

• 1:10:36Speaker 00

  Yes.

• 1:10:37Caleb Hammer?

  She for sake, why is she not getting pest control?

• 1:10:40Speaker 00

  I do the pest control is

• 1:10:42Caleb Hammer?

  You're failing at that, like everything else.

• 1:10:43Speaker 00

  Knocked it down several times. It's just, we have neighbors that um are very kind of grody and

• 1:10:50Caleb Hammer?

  You're gonna blame them?

• 1:10:52Speaker 00

  Yes, because we also live in a very wet area, which is what the natural environment for roaches is.

• 1:10:58Caleb Hammer?

  Tulsa?

• 1:10:58Speaker 00

  And because, no, for the Sepulpa area, we are in green country. We get the most rain out of all of Oklahoma. But

• 1:11:06Caleb Hammer?

  Out of Oklahoma, Oklahoma is just can just

• 1:11:08Speaker 00

  Well, we're in the climate range.

• 1:11:10Caleb Hammer?

  Okay. Good show. $13,000 owed to this. Breathe out of your mouth. $300 a month. Money owed to a former employer. What the fuck, man?

• 1:11:20Speaker 00

  I took-

• 1:11:20Caleb Hammer?

  What is that?

• 1:11:21Speaker 00

  My contract stipulated that for sign on, I have to do three years for the OKC job.

• 1:11:27Caleb Hammer?

  Well, what happens about this job if you leave? Same thing?

• 1:11:30Speaker 00

  No, I don't, I don't owe them anything.

• 1:11:32Caleb Hammer?

  Sorry, go ahead. Continue.

• 1:11:33Speaker 00

  Is this, uh, but we've already talked to, I've already talked to them. It's 375 a month.

• 1:11:39Caleb Hammer?

  Your monthly payment is insane, man. This is fucking crazy. They should have stacked it up. This is fucking crazy.

• 1:11:47Speaker 00

  That's-

• 1:11:47Caleb Hammer?

  I've never had a conversation like this. This is fucking crazy.

• 1:11:50Speaker 00

  That's why-

• 1:11:50Caleb Hammer?

  Money owed to unemployment fraud? Oh, you're fucking collecting new stones that didn't not existed.

• 1:11:59Speaker 00

  But I've, I've tried talking to them several times and they've never reached out to me.

• 1:12:03Caleb Hammer?

  What do you mean? What does that even fucking mean?

• 1:12:07Speaker 00

  That I got the unemployment when I was let go in, uh, COVID and I was, I thought instead, uh, there was still more work to do. But I was just let go and I was fired. So I misunderstood what the phrase of the sentence meant. And so I collected unemployment for, uh, the stimulus or not stimulus. What is that? The extra taxes or whatever during that time to increase unemployment money. So help me survive to afford a life.

• 1:12:38Caleb Hammer?

  What do you owe monthly to them? You don't know. You just know that you owe it.

• 1:12:43Speaker 00

  Yeah, I've tried talking to them several times. They never called me back. They said they were gonna garnish me, but it's been like four or five months.

• 1:12:50Caleb Hammer?

  I hope they kinda do. Oh, four or five months? That's not long enough for me to just like void this. Four or five months is nothing.

• 1:12:57Speaker 00

  Well, it's been five years since I took it out.

• 1:13:00Caleb Hammer?

  The federal government was going through a big change. I know, but four or five months since then, like, like, just give it time. We'll see, man. Oh, medical debt 2,586. Breathe out of your mouth.

• 1:13:09Speaker 00

  Yeah, that was supposed to be-

• 1:13:10Caleb Hammer?

  I'm gonna make you have more medical debt soon.

• 1:13:12Speaker 00

  That's supposed to be like workman's comp was supposed to pay for that, but then they never did it. And so now I'm on the hook, it feels like for that. I've tried to reach out to my former boss. But they, that's all they give me is the insurance code and they won't.

• 1:13:29Caleb Hammer?

  You talk to the insurance?

• 1:13:31Speaker 00

  No, I haven't tried them yet. Because I don't know how that like, I didn't know that was an option is to talk to the

• 1:13:38Caleb Hammer?

  Well, they gave you a code.

• 1:13:40Speaker 00

  Yeah, because I gave it to the emergency room when I got admitted.

• 1:13:44Caleb Hammer?

  The code?

• 1:13:45Speaker 00

  The, the, the insurance providers, welfare, whatever number from, uh, from my employer when I got hurt.

• 1:13:53Caleb Hammer?

  What happened? How'd you get hurt?

• 1:13:54Speaker 00

  I, so I was working on a car and I was, uh, he had this car.

• 1:13:58Caleb Hammer?

  At work?

• 1:14:00Speaker 00

  Not this job. I was, while I was in school, I was a, uh, automotive slash, uh, tire changer, uh, technician.

• 1:14:10Caleb Hammer?

  Okay.

• 1:14:10Speaker 00

  Uh, and I was, I was went to lift a tire and it was really heavy and I threw my back out. It was so painful that I had to go to the emergency room. And I was, I couldn't move for a week and a half. So I was on a lot of pain meds and stuff.

• 1:14:26Caleb Hammer?

  Okay. What am I seeing here? Okay.

• 1:14:29Speaker 00

  Thanksgiving though, just being on my back when pain meds.

• 1:14:34Caleb Hammer?

  Are you talking to yourself over there? What is happening?

• 1:14:36Speaker 00

  Well, yeah, sorry. I'm reminiscing on that one.

• 1:14:40Caleb Hammer?

  I'm trying to talk about student loans here, my guy. Cause I see them existing.

• 1:14:45Speaker 00

  Uh, they were, I actually didn't have to do those student loans.

• 1:14:50Caleb Hammer?

  What do you mean you didn't have to do them? They're right in front of me.

• 1:14:52Speaker 00

  Well, uh, because my GI bill paid for all the school. I just.

• 1:14:57Caleb Hammer?

  Buddy, you have twenty two thousand eight hundred seventy.

• 1:14:58Speaker 00

  Yeah, but it was to take out and use for, uh, to lower like my principal on, uh, the, the Navy Federal card because it was, cause if you, the whole credit limit is twenty two thousand.

• 1:15:15Caleb Hammer?

  Student loans to pay down.

• 1:15:16Speaker 00

  Yeah, because instead of like eighteen.

• 1:15:18Caleb Hammer?

  You're so lucky. They did not know that at the time.

• 1:15:22Speaker 00

  Well, eh, well, it was to keep me in school. Does this help me? So I could fight, uh.

• 1:15:28Caleb Hammer?

  Twenty two thousand eight hundred seventy three dollars to pay down credit card balance. So you build yourself out again without.

• 1:15:32Speaker 00

  Well, it wasn't. No, it's just, it was just to absorb that one. I didn't, I did, I paid off another credit card. I closed it. And then a few months later I bought.

• 1:15:42Caleb Hammer?

  I'm sorry. I don't think you're getting out of debt.

• 1:15:45Speaker 00

  I'm

• 1:15:46Caleb Hammer?

  I I mean, I'm I'm leaving a real. I don't think you're getting out of debt. You've been down the cycle a thousand times and for some reason you refuse to change your behavior. And we'll connect you with all the classes, the debt class, the budgeting app, the therapy will connect you with all of it. I don't think you're getting out of debt. Use the tools.

• 1:16:05Speaker 00

  Yeah.

• 1:16:05Caleb Hammer?

  And use the people. You have to go to therapy. You especially have to go to therapy.

• 1:16:09Speaker 00

  I I'm on a medicine now. That makes it a whole lot easier.

• 1:16:12Caleb Hammer?

  Good, but you need to talk to someone.

• 1:16:13Speaker 00

  Yeah, it makes me.

• 1:16:14Caleb Hammer?

  It's not just a medicine.

• 1:16:16Speaker 00

  Yeah.

• 1:16:16Caleb Hammer?

  You need to go to therapy. You need to go through the budgeting class. We just recorded a follow up today and the person went through the budgeting class and I got them through their debt. They paid off all their active credit card debt. It's incredible. Do that too. Over 10,000 people have taken it. Your student loans, is there a minimum monthly payment?

• 1:16:34Speaker 00

  No, forbearance right now. Already talked to them.

• 1:16:37Caleb Hammer?

  Is it because you are on the save plan?

• 1:16:40Speaker 00

  Adjusted. Well, because during the time it wasn't active until I got out of school in about March. And then I finally got a job. What?

• 1:16:50Caleb Hammer?

  Yeah. When does it start?

• 1:16:52Speaker 00

  Uh, it was supposed to either start uh, March or, but I mean, with the current administration, I don't know. It could just immediately start back up. That's the what I'm worried about.

• 1:17:03Caleb Hammer?

  Well, I don't think so. The deferment from graduation. I don't think so. And you.

• 1:17:07Speaker 00

  But that's already done. It was supposed to.

• 1:17:09Caleb Hammer?

  You requested an additional deferment?

• 1:17:11Speaker 00

  Yeah.

• 1:17:12Caleb Hammer?

  Okay, well, that that's within the system. Well, I think more like the the different forgivenesses and like the save plan, that stuff will probably get destroyed. But, okay, so you're likely looking at a minimum monthly payment of, I'm guessing about 250, 300. I'm gonna say 275.

• 1:17:28Speaker 00

  Uh, I used to say the uh, income driven one.

• 1:17:32Caleb Hammer?

  So you are on income driven?

• 1:17:33Speaker 00

  Well, no, I asked for to be put on. Uh, they said they're reviewing it and it's been a while.

• 1:17:38Caleb Hammer?

  I'm putting 275 on there. We'll see. What was your last taxes? What was your claimed income in your last taxes?

• 1:17:43Speaker 00

  Twenty five thousand.

• 1:17:45Caleb Hammer?

  Okay, you'll probably get put in. Well, unless unless it happens after this next tax year. Yeah, cuz, okay, what did you make last year?

• 1:17:52Speaker 00

  Uh, thirty thousand on this last year because I only just started.

• 1:17:57Caleb Hammer?

  I'll I'll cross that out for now. I'll cross that out for now cuz we don't, we, who knows?

• 1:18:02Speaker 00

  Yeah, I just got a, I just got this job, so I know.

• 1:18:05Caleb Hammer?

  Okie dokes.

• 1:18:08Caleb Hammer?

  Student loans, more student, yep, all them, add it up, good, good, good, good, good. Set all your debts, like gone through all your debts, they're horrendous and you're thinking about getting a house, you.

• 1:18:18Speaker 00

  Uh, yeah, I think that's about it. Wait, do you have, um, um, um,

• 1:18:25Speaker 00

  American Airlines Credit Union?

• 1:18:26Caleb Hammer?

  No, I don't.

• 1:18:28Speaker 00

  I, I have it on, I have a twenty-five-hundred, uh, initial loan for, uh, and then, but it's fifty dollars.

• 1:18:35Caleb Hammer?

  Is it a personal loan?

• 1:18:37Speaker 00

  Yes. Uh, guaranteed by they just take it out of my paycheck.

• 1:18:41Caleb Hammer?

  So what is it? What is the, it takes it out of your paycheck?

• 1:18:43Speaker 00

  Yes.

• 1:18:44Caleb Hammer?

  What's the balance?

• 1:18:44Speaker 00

  Fifty dol-, uh, twenty-five-hundred. So, and it was, it was getting to, to for moving expenses and stuff.

• 1:18:51Caleb Hammer?

  Okay, okay, okay, okay.

• 1:18:54Caleb Hammer?

  Shh, shh, shh. Pretend like you fell out of the fishing boat, plug your damn nose.

• 1:19:06Caleb Hammer?

  Zero dollars in this balance, a thousand dollars spent from the Cash App, a loan repair, you're taking out Cash App loans.

• 1:19:14Speaker 00

  Yes.

• 1:19:14Caleb Hammer?

  What is your balance owed on there?

• 1:19:16Speaker 00

  Uh,

• 1:19:17Caleb Hammer?

  I, I, another loan?

• 1:19:18Speaker 00

  Seventy-five dollars.

• 1:19:20Caleb Hammer?

  Your balance is seventy-five?

• 1:19:22Speaker 00

  Yes.

• 1:19:23Caleb Hammer?

  Why do you have it?

• 1:19:24Speaker 00

  Uh, it'd be,

• 1:19:26Caleb Hammer?

  living on the loan.

• 1:19:27Speaker 00

  It's like a, it's a cycle, I can't really, cause I pay.

• 1:19:31Caleb Hammer?

  Eighty thousand dollars is a seventy-five dollar cycle, literally you went out to eat seven hundred dollars and you spent Miss Lane's bull nine hundred, shut the fuck up, cycle, this is your behavior.

• 1:19:41Speaker 00

  Yeah.

• 1:19:41Caleb Hammer?

  This is you being a literal child.

• 1:19:46Speaker 00

  I,

• 1:19:47Caleb Hammer?

  Just acting like a child is not gonna have your mom recognize you as still being her little boy. Okay?

• 1:19:54Speaker 00

  Yeah.

• 1:19:54Caleb Hammer?

  That's not how this is gonna work.

• 1:19:55Speaker 00

  I'm really trying to make sure I'm not the

• 1:19:57Caleb Hammer?

  Have a recognized.

• 1:19:58Speaker 00

  Barrel of all the kids.

• 1:20:02Caleb Hammer?

  I mean, well, you're competing against someone who went to prison, so I don't know if you'll get there, but.

• 1:20:05Speaker 00

  Yeah, but he has two businesses now that are flourishing, so.

• 1:20:08Caleb Hammer?

  Well, and you committed unemployment fraud. Okay, Cash App, loan repayment, yeah, loan repayment, loan repayment, this is crazy, drawdowns, blah, blah, blah, that's ridiculous, dude. Let's check it out, this is nothing in here, a hundred fifty-six dollars, no wonder you're getting, your payments are being declined. Flex Finance? What's that? Is that another one?

• 1:20:28Speaker 00

  Uh, Flex Finance is the one to split, uh,

• 1:20:31Caleb Hammer?

  How often are you doing that?

• 1:20:33Speaker 00

  I'm not doing it anymore, but during the, um, uh, time of my apartment, it was just every month. It was, and I paid it.

• 1:20:40Caleb Hammer?

  Flex?

• 1:20:41Speaker 00

  It was just, it was fifteen.

• 1:20:43Caleb Hammer?

  Overdraft! Overdraft! And Kings, so.

• 1:20:49Speaker 00

  I, I like, yeah.

• 1:20:51Caleb Hammer?

  So Papa, salsa pa, ATM withdraw, Popeyes, PayPal in a restaurant. This is really hard to read. This statement is not a good statement. Went inside S and P S from a gas station. More zip pay later, zip pay later. So, a tool sales, tool sales, stop! Please.

• 1:21:09Speaker 00

  Well, that's, that's to pay back the truck. That's not just to.

• 1:21:13Caleb Hammer?

  How much you owed the truck?

• 1:21:14Speaker 00

  Uh, the truck was like five.

• 1:21:16Caleb Hammer?

  How much do you owe to the truck?

• 1:21:17Speaker 00

  Five hundred, the five hundred was, but currently, right now, it's, it's, it's a hundred and seventy-five.

• 1:21:22Caleb Hammer?

  That's a debt, you tit. Add it to the debt.

• 1:21:26Speaker 00

  That's, that's paid off in two weeks.

• 1:21:28Caleb Hammer?

  It's still a fucking debt.

• 1:21:32Caleb Hammer?

  And wait, what is this? Why am I seeing a personal loan here? What is this?

• 1:21:39Speaker 00

  Uh, that, that is the, um, that, that is, that's American Airlines.

• 1:21:43Caleb Hammer?

  For fuck's sake, it's a seventeen point seven five percent interest rate?

• 1:21:50Caleb Hammer?

  It is, it's here!

• 1:21:51Speaker 00

  Yes.

• 1:21:55Caleb Hammer?

  Let's see if I can even budget this. This is gonna be an interesting little equation, breathe it out of your mouth. Two thousand, two hundred, one dollars and twenty-six cents. Oh, it's insane. What's your, you don't pay rent? Do you pay utilities or anything?

• 1:22:08Speaker 00

  I pay rent. I pay a hundred dollars towards my mom for rent. Hundred and fifty for insurance and then fifty for my phone.

• 1:22:14Caleb Hammer?

  What insurance? What insurance?

• 1:22:15Speaker 00

  Car insurance.

• 1:22:16Caleb Hammer?

  Okay, one fifty for car insurance?

• 1:22:18Speaker 00

  Yes.

• 1:22:19Caleb Hammer?

  And then what was your phone bill?

• 1:22:20Speaker 00

  Fifty.

• 1:22:21Caleb Hammer?

  Okay, do helium for fifteen.

• 1:22:23Speaker 00

  I don't own my phone.

• 1:22:25Caleb Hammer?

  When you own your phone, do helium for fifteen. Okay, so we'll put fifty for now, right? That's what you said?

• 1:22:29Speaker 00

  Yes.

• 1:22:30Caleb Hammer?

  Oh my gosh. People, okay, utilities, you would do anything for that or is it just the rent?

• 1:22:35Speaker 00

  Just the rent.

• 1:22:35Caleb Hammer?

  Okay, groceries, three hundred dollars. You're doing it for yourself. Use our cookbook and our budgeting app. The simpler budget budgeting app, use the cookbook.

• 1:22:46Caleb Hammer?

  Get it at simplermoney.com or Calebhammer.com/app by the way. Three hundred dollar food payment TP fund. Anything else you need to survive all your happy endings? Hundred dollars. Or your machine, Lucky Glucks? Okay, gas room from drive, drive?

• 1:23:07Speaker 00

  It would be about sixty dollars a month.

• 1:23:09Caleb Hammer?

  You know, you're gonna have no incentive to try to go out there and date if you have a machine that gets you off every day.

• 1:23:14Speaker 00

  I actually already have a date lined up for, uh, for in a couple of weeks.

• 1:23:18Caleb Hammer?

  How'd you get?

• 1:23:19Speaker 00

  Uh, Bumble or not Bumble, no, Hinge. I did it.

• 1:23:22Caleb Hammer?

  Well, that's, yeah, I mean, it's online, so that's fine. But, okay, cool. Cool, cool, cool, cool. So a hundred for rent again? That's what it is?

• 1:23:30Speaker 00

  Yeah.

• 1:23:30Caleb Hammer?

  Okay, medical healthcare that comes out of your pay? Do you have any copays or anything like that?

• 1:23:35Speaker 00

  Twenty-five dollars.

• 1:23:37Caleb Hammer?

  Per?

• 1:23:37Speaker 00

  Per, uh, visit, so. With a deductible of sixteen hundred dollars.

• 1:23:42Caleb Hammer?

  How many visits? How?

• 1:23:44Speaker 00

  I only do it, uh, I only do it once a, uh, every couple of months.

• 1:23:49Caleb Hammer?

  I'll just put it in your budget. Twenty-five bucks? Physical every couple of months?

• 1:23:54Speaker 00

  Uh, it's for, is, right now, I'm doing a little bit more because I'm trying to get on Ty, Ty Zipper with Zipbound. It's the.

• 1:24:03Caleb Hammer?

  Does that make?

• 1:24:04Speaker 00

  Kinda. It's a, it's a different type of formulation.

• 1:24:07Caleb Hammer?

  Yeah, yeah, yeah. Okay. Any pets?

• 1:24:10Speaker 00

  Yes.

• 1:24:10Caleb Hammer?

  No.

• 1:24:11Speaker 00

  I have three Frenchies.

• 1:24:12Caleb Hammer?

  Oh, no! They're one expensive and two me. They're living at that house? Oh, poor guys.

• 1:24:20Speaker 00

  Yeah, they are, uh, they do live at that house, but they're treated better than I treat myself.

• 1:24:27Caleb Hammer?

  But it's just, it's insane, because now we need to put in sixty dollars of pet insurance, because you can't afford if something big happens. How much dog food on a monthly basis? Price, price, price?

• 1:24:37Speaker 00

  Uh, nothing right now. I take it from the, the bulk buy from that my mom gets for her dog.

• 1:24:45Caleb Hammer?

  Okay, get pet insurance for them. Anything else that needs to be in your budget that I have not put in?

• 1:24:50Speaker 00

  No. I think I can say.

• 1:24:53Caleb Hammer?

  Three thousand one hundred forty-six dollars and twenty-six cents.

• 1:24:59Caleb Hammer?

  You bring in five thousand dollars a month, fuck you.

• 1:25:03Caleb Hammer?

  Stupid dude. Stupid. You don't even have to take care of the the lady that never contributed to anything and has no ambition or anything. Thousand eight hundred fifty.

• 1:25:15Speaker 00

  Oh, I do.

• 1:25:16Caleb Hammer?

  Thousand eight hun- what?

• 1:25:17Speaker 00

  I, one of the reasons I get a lot of food out is because I just bring it home for us. Because my, because of the roaches and everything.

• 1:25:25Caleb Hammer?

  Say, hey, what up, girl? Yeah. We're broke up.

• 1:25:28Speaker 00

  Ever since I started watching your show, I started doing that.

• 1:25:31Caleb Hammer?

  I'm giving you two hundred fifty dollars a month for fun because you have that, you have money left over. So you have now a thousand six hundred three dollars and seventy four cents after your fund of two hundred fifty dollars a month. Come on, man. This is so stupid. Now let's minus your student loans from your debt. Let's just get, how long this takes off? I'm gonna take off your medical debt and I'm gonna take off your student loans and then we'll deal with those when that happens. Dude, you have no control over your body. Seventy six thousand, six hundred forty three dollars of bad debt outside of the medical debt, outside of the student loans.

• 1:26:13Caleb Hammer?

  Yes, one thousand six hundred three dollars to go towards it on a monthly basis to take you forty seven months, forty seven point eight months or four years. You know? Sucks. Four years is actually not the worst, especially with me giving you a fun budget. Four years is not the worst for the amount of mess you got yourself in. I'd actually be happy with that. People have to go through longer processes with less debt. So four years, that's not bad and your pay will hopefully continue to go up. Maybe you can pick up hours somewhere, maybe you can go work a second job, what?

• 1:26:46Speaker 00

  Overtime starts in, uh.

• 1:26:47Caleb Hammer?

  There you go, do as much as you can, bring it down to three years and get a fully funded emergency fund, then save up a little bit of money for, is your grandma gonna die?

• 1:26:55Speaker 00

  Uh, she, don't think so.

• 1:26:57Caleb Hammer?

  Okay, then let's focus on this. Fully funded emergency fund, then a five percent down payment on the home, then the good to go. It's called an entire process, five to six years. That is not bad. You will be beating the median age for the first time home buyers and you'll be living a good life. Okay? No more around dude. There's no reason why you should be in this. There's no reason why you should be getting fired. There's no reason why you should be a child. There's no reason why any of this stuff. What a joke. You're spending in a budget score. You overspend zero out of 10. Your debt, you have unemployment fraud zero out of 10. Emergency fund, nothing and savings zero out of 10. Retirement, barely anything in a 401k, but at least there's something there. One out of 10.

• 1:27:41Caleb Hammer?

  You blame some of your things of throwing up a massive percentage to your 401k at the beginning. It's $400 in there. What the are you talking about? Shut up. You're trying to make excuses the whole time. Zero out of 10. Because of that excuse and the dumb, I'm just pissed. I'm going to actually round you down, which is never happening. Zero out of 10. Guys, come to the post show. Link in the description below. Our YouTube membership. Join elite for the best value of it out. You can actually call in and talk to us in our call in show. Join us for the streams and the exclusive audit. So much stuff. Join us. I have a feeling with this dude, it's going to be an interesting post show. I feel like we're about to hear from the best thugs that you can get on a map in Tucson.

• 1:28:19Speaker 00

  I got so drunk, I kissed a grandma and then I ran off and threw up.

• 1:28:24Speaker 00

  I saw Lindsay in the post show. I wanted to come here and be like, hey, well, not in that way. It was just like, it's just, she looks like the woman I would be really interested in.

• 1:28:36Speaker 00

  But no, but some ways that would be a lot closer to me.

• 1:28:39Caleb Hammer?

  Lindsay would destroy you.

• 1:28:41Speaker 00

  I've been to those types of clubs where they destroy me. I like really strong, like women that will like basically kill you.

• 1:28:52Caleb Hammer?

  I should not have said what I said because I did not know that.

• 1:28:54Speaker 02

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