Evil Husband Forces Wife Into $356,955 Of Debt | Financial Audit

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

• 0:00Speaker 00

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• 0:59Caleb Hammer?

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

• 1:03Speaker 03

  Before you start speaking, it's his fault. It's his fault. We got into this because of him.

• 1:08Caleb Hammer?

  I handle everything, right? Did she want to be a part of it? No.

• 1:11Speaker 03

  I didn't want to be part of it. We ended up falling behind in a lot of payments because he wouldn't communicate to me what we needed to pay on time.

• 1:17Caleb Hammer?

  And you just lied? Well, it's not that I lied. It's that at the time we were doing okay.

• 1:21Speaker 03

  You did.

• 1:22Caleb Hammer?

  How about you guys sit down, do it together?

• 1:24Speaker 03

  Because his ideas won't work.

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• 1:53Speaker 03

  Hi, I'm Maria and I'm 27 years old.

• 1:55Speaker 04

  Hi, Santiago, 29 years old, and we're from Houston, Texas.

• 1:58Speaker 03

  And this is the Financial Audit.

• 2:01Caleb Hammer?

  It is, it is, it is. Thanks for coming over from Houston. Really appreciate it. I love how even with your fake name, you gave it that nice Mexican twang. You gotta keep it. You hit it on the full accent. Gotta keep it real, dude. And we gave you a nice racist name as we usually do. Thank you, Colton. Well, welcome. Welcome over to Austin. Happy to have you guys on Financial Audit. Uh, well, we'll start with you, Maria. What do you do for a living there in Houston?

• 2:25Speaker 03

  Um, I'm in, uh, in, uh...

• 2:29Caleb Hammer?

  Oh?

• 2:31Speaker 03

  Sorry. I'm an engineer.

• 2:33Caleb Hammer?

  Oh, sick. What kind?

• 2:36Speaker 03

  Um, I just do engineering. Let's keep it at that.

• 2:40Caleb Hammer?

  Okay, what do you make? You don't have to tell me the industry or anything, but is there like, uh, engineering is, could be. Physical, it could be.

• 2:47Speaker 03

  Engineering.

• 2:48Caleb Hammer?

  Is it click-clacky engineering?

• 2:49Speaker 03

  Yeah, click-clacky and outside engineering.

• 2:52Caleb Hammer?

  Oh, and outside. Very good. What are you making?

• 2:54Speaker 03

  Thirty-two dollars an hour.

• 2:56Caleb Hammer?

  An hour, okay. And how many hours a week are you getting?

• 2:58Speaker 03

  Um, typically I try to keep it at a minimum of 24 hours, but I can do more.

• 3:05Caleb Hammer?

  She's only doing 24 hours? It's part-time.

• 3:08Speaker 03

  Part-time. Well, I have a daughter.

• 3:10Caleb Hammer?

  We'll get into that. Just one? One kid? Yeah. How old's the kid? Huh?

• 3:15Speaker 03

  Huh?

• 3:15Caleb Hammer?

  Huh? Two years old. You live what?

• 3:18Speaker 03

  Far away from Houston. We, we live out in the outskirts.

• 3:23Caleb Hammer?

  In one of the suburbs? Get a job closer?

• 3:27Speaker 03

  Um, I tried.

• 3:29Caleb Hammer?

  It didn't work out. It didn't work out.

• 3:32Speaker 03

  There's almost nothing out there, that's why.

• 3:34Caleb Hammer?

  Maybe we have to move closer. It's still very like up and coming. Oh, you own a house? Yeah, I mean, humans have to migrate towards opportunity. That's what we've always done as a civilization.

• 3:44Speaker 03

  There's a whole story behind it, that's why, but...

• 3:47Caleb Hammer?

  Well, that's fine. I don't think I need it right now, but, uh, very good. What hits your account on a per paycheck basis and how often is that?

• 3:55Speaker 03

  Um, so every two weeks I get about, um, thirteen...

• 4:01Caleb Hammer?

  Okay.

• 4:02Speaker 03

  Thirteen hundred, yeah.

• 4:03Caleb Hammer?

  Why, she seems so cautious about everything she's saying. Is she not confident? Probably just nerves. Probably.

• 4:10Speaker 03

  It's the cameras, okay?

• 4:12Caleb Hammer?

  I know. People get a little nervous. No one's used to being in front of the camera. Comes on the show. And I do appreciate you guys coming. Everyone, you know, everyone just watches the show and then they apply to be on. So...

• 4:24Speaker 04

  They need to come on, right?

• 4:28Caleb Hammer?

  Yeah, Santiago, what do you do?

• 4:31Speaker 04

  So I'm a construction safety guy, basically.

• 4:35Caleb Hammer?

  Safety guy? Okay, very good. How much you making?

• 4:37Speaker 04

  Uh, so I make, it's a yearly salary, it's eighty-six, plus, uh, you know, we get a yearly bonus and stuff.

• 4:43Caleb Hammer?

  What does that look like, the yearly bonus?

• 4:45Speaker 04

  So it's about nineteen percent of your sal- nineteen, twenty percent of your salary, um, so...

• 4:50Caleb Hammer?

  That's actually pretty damn chunky. So what hits your account per paycheck? Per month, per month?

• 4:55Speaker 04

  Hmm, per month, well, so I get paid, it's like twelve fifty, twelve forty per week, so per month, like...

• 5:01Caleb Hammer?

  Twelve forty a week?

• 5:02Speaker 04

  Yeah, so it's like forty-nine, fifty...

• 5:03Caleb Hammer?

  Twelve forty times fifty-two divided by twelve, average it out, some longer, some shorter, looking like five thousand three hundred seventy-three?

• 5:10Speaker 04

  Yeah, um, and on top of that, I do have like a second job that I've...

• 5:14Caleb Hammer?

  Like a second job? What is your, like a second job?

• 5:17Speaker 04

  So I, I teach OSHA classes, so I'm an OSHA, like, outreach trainer, so I do like OSHA tens and thirties and stuff, so...

• 5:24Caleb Hammer?

  What do you make in from that?

• 5:25Speaker 04

  It depends, right? So...

• 5:26Caleb Hammer?

  On average? Average it out?

• 5:27Speaker 04

  Average it out, so for the past couple of weeks, like, let's say I do one class, it's like four fifty...

• 5:33Caleb Hammer?

  Average? What, what is average? Like, over the last, like, how about quarter?

• 5:36Speaker 04

  Four fifty per week, on top of regular salary.

• 5:39Caleb Hammer?

  Good. I mean, I love that, ten fifty-two divided by twelve, that's an extra, look at, I mean, look at that! One thousand nine hundred fifty, does that sound right?

• 5:47Speaker 04

  It's about right, yeah.

• 5:48Speaker 03

  He recently got that job, too.

• 5:49Caleb Hammer?

  Oh, that's good.

• 5:50Speaker 04

  Cause we needed it.

• 5:52Caleb Hammer?

  Well, cause you don't work.

• 5:53Speaker 03

  No.

• 5:54Caleb Hammer?

  Well, that is nine...

• 5:55Speaker 03

  It's his fault, it's his fault. We, we got into this because of him.

• 6:00Caleb Hammer?

  What, having a kid?

• 6:01Speaker 03

  No.

• 6:02Caleb Hammer?

  I mean, you both did the act.

• 6:04Speaker 03

  It's because he wasn't telling me any of the finances, I was trusting on him.

• 6:07Caleb Hammer?

  What do you mean?

• 6:08Speaker 03

  Like, he was taking over everything, and...

• 6:11Caleb Hammer?

  He was taking over everything?

• 6:13Speaker 03

  Before you start speaking, this is the, this is the problem, so...

• 6:16Caleb Hammer?

  That's it, Latina, here we go.

• 6:17Speaker 04

  Oh, yeah.

• 6:18Speaker 03

  So the

• 6:19Speaker 04

  Still highly recommend.

• 6:21Speaker 03

  So it started with um him taking over the finances, like him taking taking over the payments. I'll ask him, hey, what do we owe? What do we do? What do we have to pay this week? And he'll be like, I got it. Don't worry about it. Um, just transfer me seven hundred dollars or give me this and then I'll pay everything else. So I was, you know, trusting him that he was paying everything. And then he started saying, okay, we might not make the payment for the mortgage. We might not make the payment for the car.

• 6:47Caleb Hammer?

  It wasn't exactly like that. Taking control of everything like this, like almost forcefully, like it sounds like she kinda wanted to be participating in it, but you were just there like, oh, it's me, Santiago.

• 7:00Caleb Hammer?

  And I'm taking over all the money, like I own everything.

• 7:04Speaker 04

  It wasn't exactly like that, right?

• 7:05Speaker 03

  It felt like that.

• 7:06Speaker 04

  Essentially, we both were working professionals, right? Once we graduated and got together.

• 7:12Caleb Hammer?

  Welcome to almost every man and woman.

• 7:15Speaker 04

  Well, yeah, but the point is, so we were when we were living together before we had our daughter, we were both working, making good money. We're like, all right, cool. We got some, you know, we got some flexibility. We'd go out a lot. We, you know, do all the normal people do, right?

• 7:28Caleb Hammer?

  Can fit in the fun budget, then, yes.

• 7:31Speaker 04

  Yeah, well, that's the thing. At that time, we had a fun budget. We, you know, we had enough. Whenever, you know, she got pregnant, um, you know, we're like, okay, we need to move into, we need to upgrade, right? Get a house, do this and that.

• 7:43Caleb Hammer?

  Why?

• 7:43Speaker 04

  That's when.

• 7:44Caleb Hammer?

  Why? Kids are raised in apartments all over the world.

• 7:46Speaker 03

  That's what I tell him.

• 7:47Speaker 04

  Yeah, I know, but we lived on the

• 7:48Caleb Hammer?

  Oh, you told him this?

• 7:48Speaker 03

  Yes.

• 7:49Caleb Hammer?

  Oh, so he was really pushing this?

• 7:50Speaker 03

  Yes.

• 7:51Caleb Hammer?

  So you didn't even fully agree?

• 7:52Speaker 03

  Yeah.

• 7:52Caleb Hammer?

  The one who got pregnant?

• 7:54Speaker 04

  Hey.

• 7:55Caleb Hammer?

  So dude, she's the one that got pregnant, had to give birth.

• 7:59Speaker 03

  Thank you.

• 7:59Caleb Hammer?

  Mostly raised the kid and she's like, I'm chilling in an apartment. I'm okay.

• 8:04Speaker 04

  Third floor.

• 8:04Speaker 03

  We were even looking for another apartment and then you were like, let's try to get into the house. And I'm like, no.

• 8:11Caleb Hammer?

  Floor, first of all. Second,

• 8:13Speaker 04

  We did.

• 8:13Caleb Hammer?

  People, there you go. Second, people live on the third floor.

• 8:17Speaker 04

  Bro, it was, all right, so.

• 8:18Speaker 03

  There's no elevators, though.

• 8:20Caleb Hammer?

  Well, most don't.

• 8:21Speaker 04

  No, no, aside from that. Yeah, they were ghetto too. But they were not, it was supposedly in a nice area, but it was ghetto, dude. Like you'd come outside and it's like, you got cars broken into.

• 8:30Caleb Hammer?

  Well, that sucks. We move apartment complexes. That doesn't mean we buy a house.

• 8:34Speaker 04

  It was still better.

• 8:34Caleb Hammer?

  You can buy a house in a ghetto area where they slash tires.

• 8:37Speaker 04

  Well.

• 8:37Caleb Hammer?

  I'm not even in a bad area and I had a window smashed like last year.

• 8:42Speaker 04

  Well, the thing is, so like what we're paying for the apartment complex or what we're paying for our apartment in Houston, the market's crazy. So it's like you're looking at eighteen hundred.

• 8:51Caleb Hammer?

  It's not the most expensive city in Texas.

• 8:53Speaker 04

  It doesn't matter, but if you want to live in a semi-nice area.

• 8:55Caleb Hammer?

  It does because you just said it's crazy. It's not.

• 8:58Speaker 04

  If you want to live in a semi-nice area.

• 8:59Caleb Hammer?

  Dallas is more expensive, Austin is more expensive, Houston's more expensive than San Antonio.

• 9:03Speaker 04

  Live there. There's more work, more everything in Houston. So there's much more competition, more people want to live in Houston. There's a lot more work. It's a booming city.

• 9:11Caleb Hammer?

  Uh, I believe Dallas and Austin are growing percentage faster, but Houston is the fourth largest city in the country. However, it's mostly just suburban sprawl. I mean, and highways and death and depression and horrible.

• 9:24Speaker 04

  Yeah.

• 9:25Caleb Hammer?

  But no, it's again, if it's everyone's fighting for a place, that means prices would go up more than everywhere else in Texas. And that is objectively not happening. So that's a cope if I've ever heard one.

• 9:39Speaker 04

  Well, the way I justified it was, all right, look, we're paying, you know, eighteen, nineteen hundred uh per month for an apartment.

• 9:46Caleb Hammer?

  Sure.

• 9:46Speaker 04

  That's what we're gonna pay in mortgage.

• 9:47Caleb Hammer?

  You didn't have to necessarily, but a mortgage locks you in.

• 9:51Speaker 04

  Rent.

• 9:51Caleb Hammer?

  Rental prices go up and down. Listen.

• 9:53Speaker 03

  Well, they keep going up every year.

• 9:54Caleb Hammer?

  We build in Texas, rent in Austin has gone down about forty percent. That can happen in these type of markets, you know? So, but cost of housing has only got up in terms of owning a house.

• 10:06Speaker 04

  But you want to.

• 10:06Caleb Hammer?

  Interest rates and everything.

• 10:07Speaker 04

  The idea was we built some equity in a house. Okay, at that time, we had, we had some. Yeah, at the time, yeah, we could.

• 10:14Caleb Hammer?

  You were, you were heavily against it.

• 10:16Speaker 04

  This is what happened. We had the money. We justified it. We're like, all right, we're making good money. We're both working.

• 10:21Caleb Hammer?

  Were you making just as good money? Cause you're making ten thousand dollars a month.

• 10:24Speaker 04

  She was making more money.

• 10:27Caleb Hammer?

  Were you making ten thousand dollars a month? Cause this, you guys are netting right now, which is incredible. So I don't know why we're struggling. So you made less?

• 10:32Speaker 04

  I made less.

• 10:33Caleb Hammer?

  Okay, well, you guys are doing incredible. I, uh, okay. And what was her argument against it? Can I hear that? Cause she's the one that made you apply.

• 10:39Speaker 04

  What was your argument against it?

• 10:40Caleb Hammer?

  She made you apply.

• 10:43Speaker 04

  What was your argument against it?

• 10:43Caleb Hammer?

  Watching over your shoulder as you were going through the application.

• 10:47Speaker 04

  Mostly because I'm the faster typer.

• 10:48Caleb Hammer?

  Mm-hmm. It's weird if you're the engineer, but okay.

• 10:53Caleb Hammer?

  What's her argument?

• 10:55Speaker 03

  For what?

• 10:56Caleb Hammer?

  Oh, come on. You're telling me every reason why you wanted to do it. Why was she against it?

• 11:00Speaker 04

  She was against it because she's like, why do we want to get a house right now? Let's just continue to live in an apartment complex, this and that. So I work construction, right? So I work kind of all over the place. So like, at that time, I was working,

• 11:13Speaker 04

  let's say, very on the south side of Houston, and...

• 11:16Caleb Hammer?

  Any chance you remember towards the beginning of the conversation when she says there's not a lot of opportunity in the places that you guys live, as in where you bought and now you're stuck in? Get a job closer?

• 11:25Speaker 03

  There's almost nothing out there, that's why. Okay, so the thing is, when we were in the process of buying the house, we were trying to look outside of Houston. We were trying to be a little bit outside. We never thought we would end up all the way...

• 11:38Caleb Hammer?

  Well, Houston proper is not that big. It's endless cities around it. So I don't know.

• 11:43Speaker 04

  Well, Houston's huge.

• 11:44Speaker 03

  We wanted more like...

• 11:45Caleb Hammer?

  Houston metropolitan area, yes.

• 11:47Speaker 03

  Uh, you could say we wanted more like away from the city type of...

• 11:52Speaker 04

  We just wanted to be outside of like the...

• 11:54Caleb Hammer?

  There's hardly a city in Houston.

• 11:57Speaker 04

  Dude, Houston, you drive...

• 11:59Speaker 03

  Have you...

• 12:00Speaker 04

  One hour, two hours and you're still in Houston.

• 12:02Caleb Hammer?

  It's not... Houston is not crowded. It's objectively not crowded.

• 12:06Speaker 04

  When's the last time you've been there?

• 12:07Caleb Hammer?

  Houston is objectively, in every human density metric, not crowded. It has traffic because you have people sitting in cars that are larger than this little area that you and I are sitting in right now, and it's one person per car because we decided that's the most effective used to transportation. It's not crowded compared to almost any city in the entire world. Houston's not even close to crowded. You have no idea what you're talking about.

• 12:29Speaker 03

  It seems crowded to me.

• 12:31Caleb Hammer?

  It's not.

• 12:31Speaker 03

  Okay.

• 12:32Caleb Hammer?

  It has horrible transportation.

• 12:33Speaker 04

  It's pretty fucking annoying.

• 12:34Caleb Hammer?

  It has the widest highway in the country.

• 12:36Speaker 03

  I know.

• 12:37Caleb Hammer?

  And it still doesn't work.

• 12:38Speaker 03

  Yeah, it doesn't.

• 12:39Caleb Hammer?

  Because you guys are...

• 12:41Speaker 03

  Us?

• 12:41Speaker 04

  I blame the...

• 12:42Caleb Hammer?

  That's Houstonites, yes.

• 12:43Speaker 04

  I blame the transportation engineers.

• 12:46Caleb Hammer?

  Uh huh. Okay. So you made him apply. Why?

• 12:50Speaker 03

  To financial audit? Because...

• 12:54Speaker 03

  It's his fault that we're here, so he has to pay.

• 12:57Caleb Hammer?

  It's his fault, cuz I hear the house saying, okay, I get the argument, I don't, I think it was stupid, you just, you didn't need to, it was the need, the need didn't exist, but go on, so why is it his fault, tell me?

• 13:07Speaker 03

  Because we ended up falling behind in a lot of payments because he wouldn't communicate to me what we needed to pay on time. He just kept brushing it off, and it's also, he wants to please everything I want, so if I wanted this, he'll buy me this. If I wanted that, he'll go get it for me, like, this is treating me like a queen.

• 13:24Speaker 04

  The way I see it was, she was spoiled, yes, I spoiled her a little bit, but the thing is, I needed to keep her, not in the dark, but like, she needed to just worry about, like, our daughter, I didn't want to add any more stress to her. So I was like, she's two now.

• 13:41Caleb Hammer?

  Okay.

• 13:42Speaker 04

  She's a handful, but she, uh, this is my thing, like, I wanted to keep her kind of just focused on that, and then I'll like, worry about the bills, worry about that, not take over.

• 13:51Caleb Hammer?

  You wanna know how to stress out, uh, a wife that just had a kid? And you guys kinda still just had a kid, not paying your bills, being behind on your bills, risking losing the house over your head, I say that stresses.

• 14:08Speaker 03

  Yes, you see?

• 14:09Speaker 04

  But at least I carried the burden, like, in my sense, like, as far as the burden of the day.

• 14:14Caleb Hammer?

  You dropped the burden and then dropped it on her head.

• 14:17Speaker 04

  Look, the way I see it, the way I see it, I was trying to keep her, nah, I wouldn't say like, protected, but like, I needed to kind of take care of it as the provider of the family.

• 14:27Caleb Hammer?

  Okay, and then you didn't provide.

• 14:28Speaker 04

  Well, it was kinda hard, dude, cuz like, so we had, like, we started out as a dual income household, right? Okay, we were both working, she was working, I was working.

• 14:36Caleb Hammer?

  Then you're like, ooh, we're about to have a kid, so we're gonna be a single income household, so we should probably buy a house.

• 14:40Speaker 04

  Well, this is the thing, right, so, the idea was, she's, you know, she got pregnant, she took her leave, we had the baby and everything. Afterwards, the plan was for her to go back to work.

• 14:49Caleb Hammer?

  She is working, you guys are freaking in ten thousand hours a month.

• 14:52Speaker 04

  That didn't happen though.

• 14:53Caleb Hammer?

  You guys not know, you guys are doing well beyond the median in Houston, in the United States, and everywhere. Yes, they were out, and then you made him apply.

• 15:02Speaker 03

  Yes, because we need that help.

• 15:04Speaker 04

  We dug ourselves into.

• 15:06Speaker 03

  You dug us in.

• 15:07Speaker 04

  Okay, we, we are a team. We dug ourselves into a hole.

• 15:11Caleb Hammer?

  She's saying you.

• 15:12Speaker 03

  Now, now you're including me.

• 15:13Caleb Hammer?

  Why, why are you saying that specifically?

• 15:15Speaker 04

  Because I.

• 15:16Speaker 03

  Because of him. The reason why we're, we're here because we're backed up on payments because he never told me anything.

• 15:21Caleb Hammer?

  I want to hear details. Just tell me about the whole thing. How did it look?

• 15:24Speaker 03

  Okay.

• 15:24Caleb Hammer?

  How the whole situation looked?

• 15:25Speaker 03

  So then, I ended up finding out that he ended up pawning, pawning his and asking for money to his mom and his dad to pay this, to pay that, and then we weren't able to afford daycare and it's just on and off. A lot of things.

• 15:43Speaker 04

  That's kind of skipping a lot of steps along the way.

• 15:45Speaker 03

  No, that's a little bit. I'm just throwing a little bit at you.

• 15:48Speaker 04

  So, she was working, she took time off, and then afterwards she's like, hey, like, because she did, right? Like, she dealt with postpartum and all that. She didn't want to go back to work. So I was like, okay, look.

• 15:57Speaker 03

  I did go back to work. Let me, let me tell you the story.

• 15:59Speaker 04

  She went back to work for three months.

• 16:01Speaker 03

  I had about two months of leave because I ended up having C-section. Okay, I went back to work. I went back to work like about for three, four months. I couldn't do it. I was going crazy with my daughter. I ended up kind of getting like anxiety, postpartum depression.

• 16:17Caleb Hammer?

  Yeah, I can accept it.

• 16:18Speaker 03

  Crying and all that stuff. So I was like, I can't do it. At that time, you were in another job, remember?

• 16:24Speaker 04

  Yeah, I was at a farther job.

• 16:26Speaker 03

  You were making more money on that time.

• 16:28Speaker 04

  Well, before that, she, she decided, she was like, okay, well, you know, I don't think I want to go back to work because it was really hard for her to be away from the baby and just the, you know, like the anxiety, postpartum and all that. So I was like, look, my buddy is telling me, let's start a company.

• 16:42Caleb Hammer?

  Oh, dude. So, hey. What are you on about?

• 16:45Speaker 04

  He got.

• 16:46Caleb Hammer?

  Why, dude?

• 16:48Speaker 04

  It was a good fucking deal. So he was like, look, I'll get you a guaranteed salary. He's like, we're going to build this from the ground up. It's going to be for us.

• 16:55Caleb Hammer?

  Guaranteed salary? Who the says that other than applying for a real job?

• 16:59Speaker 04

  Well, so here's the thing, right? We were like, oh, it's going to be for us. All right, cool. So I ended up leaving, I ended up leaving my, my job, right?

• 17:08Caleb Hammer?

  No.

• 17:08Speaker 04

  I left my job to start this.

• 17:10Caleb Hammer?

  Well, she was out. Well, she was out.

• 17:12Speaker 04

  It was for higher salaries. So I was like, okay, it's gonna help us out.

• 17:15Caleb Hammer?

  How do you have a salary at a brand new business? That doesn't make sense.

• 17:17Speaker 04

  Cause we had a, like a, you could say like a fund, right, to start the business with.

• 17:22Caleb Hammer?

  What was the fund?

• 17:22Speaker 04

  It was, I won't get into that too much, but it was significant. It was at least over three hundred K, right?

• 17:30Caleb Hammer?

  How? How'd you have that?

• 17:31Speaker 04

  I didn't. It was, it was, it was my buddy who started the company. Essentially, what it broke down to. He didn't give it to me. So he was the owner.

• 17:39Caleb Hammer?

  And promised, in Palmer's payroll?

• 17:41Speaker 04

  He promised me a salary.

• 17:42Caleb Hammer?

  A salary, okay. So you weren't working for him. You weren't going into business. What was your role in promised salary?

• 17:47Speaker 04

  I was the operations manager, essentially. So I ran a hundred K plus bonuses, commission.

• 17:53Caleb Hammer?

  Okay.

• 17:54Speaker 04

  And it was good. Good for a while. Yeah. So like, the checks would roll in, it would help us. And I was like, alright, look. You're struggling to go back to work, just quit. Like, I got it. Like, I think we're making enough money. Cause at the time, we were. I was like, I'm making enough money to, uh, to sustain us. You can stay home, whatever. Uh, and so the idea was, she gets out of work for a year until, you know, our, our daughter's old enough to, to like.

• 18:19Caleb Hammer?

  You guys don't agree on anything.

• 18:20Speaker 03

  But he's, he's talking for me. And I tell you, don't talk for me. Let me talk. Let me tell.

• 18:26Caleb Hammer?

  So this is very frequently.

• 18:28Speaker 03

  Yes, bro, like.

• 18:30Caleb Hammer?

  I tell you not to talk for me. I feel like we have these conversations pretty often, don't we?

• 18:36Speaker 04

  Somewhat. Weekly, actually, every Friday.

• 18:39Caleb Hammer?

  Ah, well, that's good.

• 18:42Speaker 03

  So, uh, I ended up trying to leave work, but the good thing about my job was that my boss was actually very nice enough to give me more time to be out.

• 18:53Caleb Hammer?

  Good. Love it.

• 18:53Speaker 03

  Uh, so I was out for about six months and was supposed to be able to come back in.

• 19:00Caleb Hammer?

  Did we not realize that this was two years ago?

• 19:02Speaker 04

  Yeah.

• 19:03Caleb Hammer?

  Like what the [__] happening now? You guys are over the limit on three cards I have.

• 19:07Speaker 04

  Well.

• 19:08Caleb Hammer?

  Two cards.

• 19:08Speaker 04

  We dug ourselves into a hole. And in order to get out of that hole, we dug ourselves into a deeper hole.

• 19:14Caleb Hammer?

  How does that make you?

• 19:15Speaker 04

  You.

• 19:16Caleb Hammer?

  She says you.

• 19:17Speaker 04

  I did because I was.

• 19:18Caleb Hammer?

  What did you do?

• 19:19Speaker 04

  We were trying to maintain the bill so we didn't lose [__] that was important, right? So I was like, okay, we're struggling to pay the car.

• 19:25Caleb Hammer?

  What was your income at the time?

• 19:26Speaker 04

  At the time, I only had the single salary and that was before I got a raise. Uh, I was like at 76.

• 19:31Caleb Hammer?

  So obviously, first of all, 76 is great. What, what, what's the struggle? That's still doing better than the median household. Actually, combined household income?

• 19:39Speaker 04

  Yeah, but.

• 19:40Caleb Hammer?

  Is that you're doing the, what is usually two salaries. So I don't know what you're struggling with. You obviously lost that other job or he stopped paying you.

• 19:48Speaker 04

  Well, the business went under, right? So there was a couple of months where it was like.

• 19:52Caleb Hammer?

  Welcome to the business.

• 19:53Speaker 04

  Yeah, so it was a couple of months where we were doing [__] great, right? And then at, towards the end of it, I mean, I think at one month, probably the lowest we made was like five. I made 500 bucks the whole. And so it was like, dude, I can't do it, man. I was like, I gotta go back.

• 20:07Caleb Hammer?

  So why were you struggling at 75,000 hours a year, though?

• 20:09Speaker 04

  Because that was when I went back to work at my old company.

• 20:12Caleb Hammer?

  Yeah, but why were you struggling at 75,000 hours a year?

• 20:14Speaker 04

  Because we had accumulated all the debt from being a, going from a two income household to a one.

• 20:19Caleb Hammer?

  So how'd you dig the double hole?

• 20:21Speaker 04

  So like a quadruple hole.

• 20:23Caleb Hammer?

  What did he do?

• 20:24Speaker 03

  So by that time, we were already living at the house.

• 20:27Speaker 04

  Yeah, in Conroe.

• 20:28Speaker 03

  We had already purchased a lot of things, stuff for the house and then.

• 20:33Caleb Hammer?

  Did he do?

• 20:34Speaker 04

  All the joys.

• 20:35Caleb Hammer?

  He said in order to get out of the hole, he dug a deeper hole. What did he do?

• 20:39Speaker 03

  Well, because he ended up leaving that job with his friend or they went bankruptcy, whatever. He ended up making less money now and then now that we, payments were coming in. You weren't able to catch up with those payments and kept falling behind, kept falling behind and having to get loans and having to.

• 20:57Caleb Hammer?

  So you're taking out loans for sure. And pawn your guns is so, I've never even heard that on this show.

• 21:01Speaker 04

  Yeah, I know. It's because dude, I had a lot of [__] I'm like, well, we need some quick cash. I need like 800 bucks right now.

• 21:07Caleb Hammer?

  Yeah, because you guys are [__].

• 21:10Speaker 04

  Yeah, basically, but I didn't want to sell them. So I was like, let me pawn them. I'll get them back, you know, once things improve.

• 21:16Speaker 03

  Yeah, but the thing is that when I went back after that six month leave. Um, I couldn't do, I felt like I still wasn't ready and then we were living far and I was like, the drive is almost two hours every time. I might as well stay home for a bit and look for a job over there. Um, so I ended up leaving and cashing out my 401K.

• 21:36Caleb Hammer?

  How much? How much? Cause you have a child and that's hard. You need to be able to retire without the kid taking care of you.

• 21:44Speaker 03

  Okay, so this is the thing. I cashed it out in order for me to stay as long as I can out from work to be with my daughter.

• 21:49Caleb Hammer?

  But that's confusing because he was making money. He was.

• 21:52Speaker 04

  It wasn't enough.

• 21:52Speaker 03

  Okay.

• 21:53Caleb Hammer?

  Yeah.

• 21:54Speaker 04

  It never is, right?

• 21:55Caleb Hammer?

  If I went through the spending during that time, come on, there's no way you cut back. People, Americans refuse to cut back.

• 22:03Speaker 04

  Well, so that was part of the whole digging ourselves into that thing. Cause whenever we, whenever I got the new job and all the, you know, hundred K salary, whatever. All right, cool. And she had the baby. At that time, I had a truck, right? It was a, it was a 20, like a 2015 Dodge Ram.

• 22:21Speaker 03

  No, you had a Silverado first.

• 22:22Speaker 04

  I had a Silverado first. It was completely paid off. I had paid it off, but it was completely like the, the, you had brake issues.

• 22:29Caleb Hammer?

  The reason you didn't go back to work is because you thought your daughter was going to be abused in daycare?

• 22:34Speaker 03

  It's more like being afraid of what happens because you know, all these videos.

• 22:38Caleb Hammer?

  Is she going to a Catholic daycare?

• 22:39Speaker 03

  Because of all the videos that you see like on, on TikTok and Facebook of like, children getting beat up, this happening to children or something happened to a baby.

• 22:50Caleb Hammer?

  I think you're consuming fear daily basis via doom scroll.

• 22:56Speaker 03

  I was afraid of that. That's where my.

• 22:58Caleb Hammer?

  You cannot make your daily decisions based on doom scroll.

• 23:01Speaker 04

  I told her that.

• 23:02Caleb Hammer?

  You can't.

• 23:02Speaker 03

  That's where my anxiety, my depression started hitting. I would be crying every day. I couldn't focus on work and everything. So I was going crazy myself.

• 23:09Caleb Hammer?

  That part's fine. I'm okay with you taking time.

• 23:11Speaker 03

  I ended up taking therapy. That's when I ended up leaving those six months that my boss gave me again.

• 23:16Caleb Hammer?

  How much did you take out from that 401K?

• 23:18Speaker 04

  It was like.

• 23:19Speaker 03

  Why are you speaking for me?

• 23:20Speaker 04

  I'm just saying.

• 23:24Speaker 03

  Seventeen thousand.

• 23:26Caleb Hammer?

  It's chunky.

• 23:27Speaker 03

  Yeah, it was good money.

• 23:28Caleb Hammer?

  Chunky, was that everything?

• 23:30Speaker 03

  Yeah, no, I ended up getting afterwards as well more money like a thousand extra. I mean, a thousand is something.

• 23:39Caleb Hammer?

  You literally.

• 23:41Speaker 03

  But it was to sustain me out from work. So that actually helped out for like about 10 months.

• 23:47Caleb Hammer?

  Hundred thirty thousand dollars in debt outside of the mortgage, outside of the mortgage is a hundred thirty thousand. How was that even possible? What have you done? What have you possibly done? That is insanity.

• 24:01Speaker 04

  Well.

• 24:02Caleb Hammer?

  Outside of the mortgage.

• 24:05Speaker 03

  Well, one is the car.

• 24:07Speaker 04

  Yeah, the car is a.

• 24:08Speaker 03

  The car is the big one, the main one that we're like kind of fighting.

• 24:12Caleb Hammer?

  No, hardly, honestly, no.

• 24:14Speaker 04

  It's like, you know how some people have like.

• 24:16Caleb Hammer?

  I'd say more than anything, it would be an RV, but even that isn't meeting up twenty, that's not even a quarter of the debt. You don't have any individual debt that is like more than fifteen percent of your debt outside of the mortgage.

• 24:27Speaker 03

  That's his.

• 24:28Speaker 04

  So the RV is, yeah, that's a precarious situation. But all right, so as far as the.

• 24:33Caleb Hammer?

  Is it a fix up? Is it a buy, fix up, sell for more money? Please don't tell me.

• 24:36Speaker 04

  No, no.

• 24:37Caleb Hammer?

  What, you guys gonna live on the road?

• 24:38Speaker 04

  No, it was for my mom. So.

• 24:41Caleb Hammer?

  What the?

• 24:43Caleb Hammer?

  Okay, okay. Well, I'm sure we'll get into that as we go through all the debt. But I need to know how the communication around money in the household is right now. Like when you sit down, you guys talk. So how do these conversations go?

• 24:53Speaker 04

  Before what it used to be was I handle all the finances. I handle everything, right?

• 24:59Caleb Hammer?

  She wants to be a part of it.

• 25:01Speaker 04

  I was the responsible.

• 25:01Caleb Hammer?

  Did she want to be a part of it?

• 25:03Speaker 04

  No.

• 25:03Caleb Hammer?

  You're not responsible. Look who we are.

• 25:04Speaker 03

  I didn't want to be part of it. I asked you, hey, what do we need to pay? What? I'm getting paid my check or whatever. I have extra money from the 401K when I wasn't working. Hey, like, are we missing anything? No, you're fine. It's okay. Go spend your money. Go do this. Cause I used to go shopping online.

• 25:20Caleb Hammer?

  So it was lies. Well, like she was trying to be a part of it, trying to understand if it was appropriate to spend or not. Listen, shopping is not a bad thing, whether or not it's appropriate is the question. And you just lied?

• 25:33Speaker 04

  Well, it's not that I lied. It's that at the time we were doing okay.

• 25:36Speaker 03

  You did. I kept repeating that to you so many times. Stop lying to me. Tell me the truth. Hey, what do we owe? Do we gotta pay the light bill, the gas, the house? What's coming up? Like, I need to know.

• 25:48Speaker 04

  Every time something came up, I had a plan in my head. So I would say, look, all right.

• 25:53Caleb Hammer?

  Oh, you're one of those guys with the plans?

• 25:55Speaker 03

  I know.

• 25:56Caleb Hammer?

  Your plans don't work, dude. There's proven systems out there that you can take advantage of.

• 26:02Speaker 04

  Well, I didn't know about that.

• 26:04Caleb Hammer?

  You're the guy with the plans. The plans never work.

• 26:06Speaker 03

  I know.

• 26:07Caleb Hammer?

  You get an infinite amount of plans.

• 26:10Speaker 04

  Are you telling me that I need a new plan?

• 26:12Caleb Hammer?

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• 26:55Caleb Hammer?

  4.6 stars in Google says Yrefi actually picks up and treats you like a real human. Shocker, right? And finance is about as rare as me not slamming the desk every single episode.

• 27:05Caleb Hammer?

  So if you're done fantasizing about robbing a bank, don't do that, by the way. Check out Yrefi. They're here to help you actually crush these loans without selling your kidneys on the black market. Head to Y R E F Y dot com slash hammer. That is Yrefi dot com slash hammer. Or call 888-973-3978. That is 888-973-3978. And see how a real personal approach can help you escape the private loan nightmare. Because let's be honest, living with crippling debt until you're 90 is not the retirement plan you dreamed of. Yeah, I mean, I'll give you a plan. I'll put you through all of our classes, debt class, budget class, all the good stuff.

• 27:37Speaker 03

  Once I found out about everything, I started organizing on our day to day, what we're spending.

• 27:42Caleb Hammer?

  And did he want to listen to it?

• 27:43Speaker 03

  Yeah. At the beginning, no.

• 27:45Caleb Hammer?

  Well.

• 27:46Speaker 03

  He went.

• 27:47Caleb Hammer?

  Tell me about it. I need to know the dynamic. Tell me.

• 27:49Speaker 04

  Okay, so she, she, and I will give credit where credit is due.

• 27:53Caleb Hammer?

  I want to see what she thinks. Why do you think he wasn't listening to you?

• 27:56Speaker 03

  Because once we budget, I'll tell him, okay, we have this by the end of the weekend so we could buy groceries. Like, we only have like a hundred dollars left over for groceries. And then he'll go and then suddenly there's a purchase of like a taco truck and like buying food at lunch. I meal prep for a reason and you wouldn't go buy other food.

• 28:18Caleb Hammer?

  That was recent.

• 28:20Speaker 03

  And I'm like, no, I don't care. Do not go out to eat. What's the point of me making the food? If you're gonna go out and eat something else.

• 28:27Caleb Hammer?

  But doesn't it work if you sit there and just tell someone what to do? Instead of actually sitting down, coming up with a plan together and being on the same page? It doesn't work if you kind of create your own plan for the household and you're like, this is what you do.

• 28:38Speaker 04

  Exactly.

• 28:38Caleb Hammer?

  Does that work?

• 28:39Speaker 03

  No, but this is the thing. Okay, so I put in, because he already did his thing on his side. He tried to take over. It didn't work. So might as well me try to take over and try to organize our finances.

• 28:49Caleb Hammer?

  No, no, no. Maybe the takeover is what doesn't work. He tried to take over, you tried to take over? How about you guys sit down, do it together?

• 28:58Speaker 03

  Because these ideas won't work.

• 29:00Caleb Hammer?

  Well, okay.

• 29:01Speaker 04

  Okay, I think if we put our heads together, we can come up with a plan. And lately, we have been.

• 29:05Caleb Hammer?

  She seems to disagree.

• 29:06Speaker 04

  We have our income. We have it kind of lined out. Who's making what, when? And the only one that's kind of like iffy is the second job for me, because it depends how many classes I'm teaching, right? Uh, I can get more, I can get less. Last week I got, you know, over nine hundred. This week I got two hundred. So it varies.

• 29:21Caleb Hammer?

  It averages out. You got about ten thousand a month net, which is awesome.

• 29:25Speaker 04

  With that, we have like our bills. But the thing is, the bills that we do have, they take a huge fuck chunk.

• 29:30Caleb Hammer?

  Yeah.

• 29:31Speaker 04

  So at the end of it, we're left with like a hundred bucks.

• 29:34Caleb Hammer?

  No, that's great, but what's.

• 29:35Speaker 04

  That's what we really like.

• 29:36Caleb Hammer?

  No, I want to know the dynamic around the conversation around budgeting right now when we're talking about what we're doing at the House of Finances. What does it look like?

• 29:43Speaker 04

  Right now, this moment is, we follow a.

• 29:48Speaker 04

  Planner board that we have and the discussions around that is are you sticking to the board?

• 29:52Caleb Hammer?

  So it's holding each other?

• 29:54Speaker 04

  Yeah, holding each other accountable.

• 29:55Speaker 03

  Me holding him mostly.

• 29:57Caleb Hammer?

  Really?

• 29:57Speaker 03

  Yes.

• 29:58Caleb Hammer?

  Tell me.

• 29:59Speaker 03

  Because I'm like, hey, you have this payment, this payment, this payment, this payment to make. My check is gonna be saved up to try to make the car payment or to try to make the mortgage payment because I only get like about two checks every month, you know? So then he gets them weekly. So I'm like, hey, you got a firm, you got your credit cards, you got this, you got that light bill and all that stuff.

• 30:18Caleb Hammer?

  And how do those conversations go when you're sitting there telling them all this?

• 30:21Speaker 03

  He has to do them.

• 30:22Caleb Hammer?

  No, but how do they go? How do the conversations go?

• 30:25Speaker 03

  Well.

• 30:26Speaker 04

  Okay, I'm like, alright. She'll tell me like, hey, did you pay that? And I'm like, yeah. Paid it according to the board.

• 30:32Speaker 03

  Like last week, he had made other payments. So I have access, we have a joint account. So I have access to see what he buys or purchases or pays. And then I see extra affirm payments and I'm like, hey, we only had a total of like a four affirm payments that you had to make this week. Why is there extra? It's like throwing off the calculation that I had for the week. And then he's like, well, I was backed up. I needed to catch up. I was like, why didn't you tell me this in the beginning? Like you're bringing up new things every week and it just fucks up the whole calculation that I have.

• 31:04Speaker 04

  It was on auto pay, but it was on auto pay to a separate account that I have that's like personal. So it didn't draft. So then it, it's, it basically said like, you're late. So I needed to pay it to catch up to get back in good standing.

• 31:16Caleb Hammer?

  Well, I know that recently, provided by your work, you went to a financial advisor and your quote to Colton from that conversation with the financial advisor, "A sassy black advisor looked at me and said, hmm, honey, you just need to file bankruptcy."

• 31:33Speaker 04

  Well, it was virtual, right? So like, essentially what I was.

• 31:37Caleb Hammer?

  I don't know, maybe that is the truth. I mean, I'm sure she didn't tell you to change your behavior first. Usually financial advisors honestly aren't usually the best budgeters. Usually they're good for investing.

• 31:47Speaker 04

  This is kind of how that conversation went down. She's like, alright, explain to me your finances, break it all down. I don't need to see nothing, just kind of tell me. Because it was a quick, like, I think it was like an hour long call. And so I started explaining it to her and, you know, we're virtual, whatever. And then every time I'd bring up something, tell her my payments and like, at that time, she wasn't working. So when, like, every time I'd say something, she was just like, mm, mm. And then her whole thing was like, honestly. You just need to file bankruptcy. She's like, I don't see anything.

• 32:18Caleb Hammer?

  We'll see, maybe. That might be the case. I don't know.

• 32:21Speaker 04

  And I was like, okay, well, is that gonna help with the, uh, like, kind of everything? Cause I was like, my thing is, it's not just getting out of debt. Changing habits, right?

• 32:29Caleb Hammer?

  Well, exactly. No, it doesn't. Because if you do bankruptcy without changing the habits first, you're gonna be in the same amount of debt, if not worse, again.

• 32:36Speaker 04

  My whole thing was, we need to learn how to change habits, which I think we've improved on, but also...

• 32:41Caleb Hammer?

  We'll see about that.

• 32:42Speaker 04

  Right?

• 32:43Caleb Hammer?

  I mean, come on.

• 32:44Speaker 04

  Aside from that, though.

• 32:45Caleb Hammer?

  People improve before coming on the show. It's like for a week or two, cause they know they're coming on the show.

• 32:49Speaker 04

  Nah, it wasn't like that.

• 32:50Caleb Hammer?

  We'll see.

• 32:51Speaker 04

  Aside from that, though, it was just, we didn't wanna fuck up our credit either. So like, it's already kinda fucked. But it will fuck up, so we didn't wanna fuck it up.

• 32:59Caleb Hammer?

  We want better credit. You already have the house. Are we trying to sell and move?

• 33:01Speaker 04

  Yeah.

• 33:03Caleb Hammer?

  Well then, why'd you buy this house, dick?

• 33:05Speaker 04

  To build equity.

• 33:06Caleb Hammer?

  She didn't want to, to build equity. You can build equity in any house that you buy, potentially.

• 33:10Speaker 04

  But you have to buy the house to build it, don't you? So we bought one.

• 33:14Caleb Hammer?

  But you could prob- you probably would've made more money.

• 33:17Speaker 04

  We already are making more money.

• 33:19Caleb Hammer?

  Putting the extra money that went towards the house, the payment and whatnot, in the overall market.

• 33:24Speaker 04

  The valuation of the property already came back, and we're already like...

• 33:29Caleb Hammer?

  Yes, but you would've made more money investing the rest in the overall market. You would've. And then you would've had more money to put down and have a chunkier equity position on a house, that you guys actually wanted, instead of rushing into a house, cause, uh-oh, I knocked her up.

• 33:42Speaker 04

  We did want the house. Uh, the house was like...

• 33:45Caleb Hammer?

  She did it?

• 33:45Speaker 04

  We went to go look at it. She was like, yeah, I love this house.

• 33:48Speaker 03

  Okay, so this, we were already in it, so I was like, might as well, I mean.

• 33:52Speaker 04

  Exactly.

• 33:52Speaker 03

  Because at the beginning, we were...

• 33:54Caleb Hammer?

  That's different than, I love this house.

• 33:56Speaker 04

  Hey, I mean...

• 33:57Speaker 03

  I didn't say, I love this house. I said, I mean, yeah, why not? I mean...

• 34:02Caleb Hammer?

  Very conflicting.

• 34:04Speaker 03

  No, because you always see it, you see a whole different perspective of me. I did not say, I love it. I said, okay, I mean, we might as well then. Like, he kinda convinced me into it. He was like, no, we gotta get a foot in it.

• 34:18Speaker 04

  I was like, this isn't gonna be our forever home. I was like, I'd rather pay towards a house that we can later sell.

• 34:23Caleb Hammer?

  I wouldn't necessarily buy into a home that we can't at least consider a forever home. Is it likely to be when we buy our first home? No, but if it's not even in the consideration, if that's not, if we're immediately going in like, this isn't our forever home, yeah, let's buy it. What? No, that's bad because you never know what the market's gonna do.

• 34:40Speaker 04

  Well, that's the thing. So we're like, all right, we're gonna get it like a cheap starter house. I was like, we're gonna, you know, fix it up a little nicer.

• 34:45Caleb Hammer?

  What's a cheap starter house? How much?

• 34:47Speaker 04

  We got it for 221.

• 34:49Caleb Hammer?

  Okay.

• 34:50Speaker 04

  Or like 225, but with the down and all that, you know, it went down to like 221.

• 34:53Caleb Hammer?

  I told you all this.

• 34:53Speaker 04

  So right now, we're like at 217.

• 34:55Caleb Hammer?

  Mm hmm.

• 34:56Speaker 04

  So that's, that's like total.

• 34:58Caleb Hammer?

  Yeah, but we'll see what it's actually worth once we get to it. That's later on. Okay, I'm gonna go three, two, one, and then point. When I point, I want you guys at the exact same time to give me what you think your household financial score is. Zero to 10, zero being the absolute worst, 10 being the absolute best. Three, two, one.

• 35:17Speaker 04

  Two.

• 35:18Speaker 03

  One.

• 35:19Caleb Hammer?

  Okay, if you want your Hammer financial score, take the assessment for free. It just takes a few minutes at CalebHammer.com. You'll see where you're doing poorly, where you're doing well, what you need to do to improve your situation and get to the next level. Take it for free at CalebHammer.com. If you don't want to be like a guest who ends up on the show, make sure you download the Dollar Wise Budgeting app. That's exactly what they have. New features being added monthly. There's an incredible team working on it. It's, it's like, it's incredible. And it changes tens of thousands of people's lives. Dollarwise.app, sign up for the free trial, see if you like it. And if you do, you can also take the annual version to save a lot of money. And when you do, I will personally sign my budget friendly cookbook and mail it directly to your door. Dollarwise.app, all the links are in the description below.

• 36:03Caleb Hammer?

  Let's get into these numbers, shall we? So Home Depot, that's racist. What's going on? What's going on with this?

• 36:13Speaker 04

  When we first got the house, like, we needed to do a couple improvements to it, right? So the main thing was, um...

• 36:21Caleb Hammer?

  Needed to? Why are we buying a house that's supposed to be the cheap house that then you need to put money into?

• 36:25Speaker 04

  Well, you needed to get a washer, dryer, fridge, you need that. So it was utilities, right? Or appliances, right? Appliances?

• 36:32Caleb Hammer?

  Appliances are different.

• 36:34Speaker 04

  Alright.

• 36:34Caleb Hammer?

  At the beginning, okay.

• 36:35Speaker 04

  Okay, but then it got into...

• 36:37Caleb Hammer?

  Oh, it's over the limit, you dick! You're a dick by hundreds of dollars!

• 36:43Speaker 04

  It's slippery slope, right?

• 36:44Caleb Hammer?

  Slippery slope to get over the limit? What are you talking about?

• 36:48Speaker 04

  Look dude, every time you go into Home Depot, they got the [bleep] deals.

• 36:52Caleb Hammer?

  Yeah, I know, I know you're excited.

• 36:53Speaker 04

  Yeah.

• 36:55Caleb Hammer?

  Like, insta erection. I know.

• 36:57Speaker 04

  I know, it gets me off.

• 37:01Speaker 04

  But...

• 37:01Caleb Hammer?

  I'm sure you're in it more than you are her.

• 37:08Speaker 04

  Haven't gone recently, it's over the limit, but...

• 37:11Caleb Hammer?

  Oh, yeah, and they're pulling up with vans, so I'd stay away.

• 37:16Speaker 04

  Yeah, pretty much. So freaking, uh, what happened with that was, it started out with getting the appliances. Alright, and then as we were going, like, every month or every week after, it'd be like, "We also need this, we need to get filters, we need to get this, we need to get paint, we need to get, uh..."

• 37:31Caleb Hammer?

  Need paint? You didn't need paint, [bleep] you need paint.

• 37:33Speaker 04

  It was just, we needed paint for the [bleep], uh, like, touch-ups and garage, like, stuff, because they didn't paint it.

• 37:38Caleb Hammer?

  A garage?

• 37:39Speaker 04

  They didn't paint it.

• 37:39Caleb Hammer?

  Why do we care about the garage?

• 37:42Speaker 03

  That's what I said.

• 37:43Speaker 04

  That's what she said.

• 37:44Caleb Hammer?

  So, okay, she's always saying no to all this [bleep] you're trying to do, yet you just do?

• 37:50Speaker 03

  Pretty much.

• 37:51Caleb Hammer?

  Why do you always just do?

• 37:53Speaker 04

  Because it's needed.

• 37:54Caleb Hammer?

  Like, we know, paint in a garage is not needed.

• 37:57Speaker 03

  Okay, look, our backyard is needed because they did give it to us without no grass.

• 38:02Speaker 04

  So?

• 38:02Speaker 03

  And then the side of the house does flood, so we ended up building a fence drain.

• 38:07Caleb Hammer?

  So? Who gives a [bleep]? If there is no grass in the backyard.

• 38:11Speaker 03

  I need to take out my daughter to play.

• 38:13Caleb Hammer?

  Huh?

• 38:13Speaker 03

  I want to take out my daughter to play.

• 38:15Speaker 04

  Can't have her playing in dirt.

• 38:16Caleb Hammer?

  She wasn't even born when you bought the house yet.

• 38:18Speaker 03

  No, she was.

• 38:20Caleb Hammer?

  Okay.

• 38:20Speaker 04

  She was, she was.

• 38:21Caleb Hammer?

  Wait, I thought you wanted to get a house once she got pregnant and you wanted to upgrade.

• 38:26Speaker 05

  The number one YouTube membership just got upgraded. Three exclusive shows every day, Monday through Friday. Financial audit post shows, exclusive and uncensored financial audit episodes. Our call in show, Hammer It Out.

• 38:43Caleb Hammer?

  Then take the train, Jeff.

• 38:45Speaker 05

  And brand new shows, Fat and Fatter.

• 38:49Speaker 06

  That is, that one is.

• 38:52Caleb Hammer?

  I would go off brand.

• 38:53Speaker 05

  Behind the Audit.

• 38:55Speaker 03

  What?

• 38:56Speaker 06

  This was wild.

• 38:57Speaker 05

  Shop Smart.

• 39:02Speaker 05

  And now, upgrading from one live stream a week to two. No other channel offers what Hammer Elite provides. Join with the link in the pinned comment or description below. Join Hammer Elite, the best membership on YouTube today.

• 39:19Speaker 03

  No.

• 39:20Speaker 04

  So we lived in the apartment with her for a few months. And then when she turned.

• 39:23Caleb Hammer?

  Hey, how many rooms do this in this apartment?

• 39:26Speaker 04

  The apartment?

• 39:27Caleb Hammer?

  Yeah.

• 39:27Speaker 04

  Was.

• 39:28Speaker 03

  Two.

• 39:28Speaker 04

  Two, two bed.

• 39:31Caleb Hammer?

  God.

• 39:31Speaker 03

  I mean, at that time, we had lots of animals, so when a bunny had its own room at that point.

• 39:36Caleb Hammer?

  Well, no, when we have a kid.

• 39:39Speaker 03

  But.

• 39:39Caleb Hammer?

  No.

• 39:40Speaker 03

  It was way before that.

• 39:41Caleb Hammer?

  I'm not saying get rid of the bunny. It doesn't need its own room when you have a kid.

• 39:45Speaker 04

  We did.

• 39:46Caleb Hammer?

  No.

• 39:48Speaker 04

  No, we got rid of the bunny is what I'm saying, but.

• 39:50Caleb Hammer?

  Oh, well, there you go.

• 39:51Speaker 03

  Well, yeah, we were home.

• 39:52Caleb Hammer?

  The kid was. Just go to a park.

• 39:55Speaker 04

  Well, the thing was, we're like, all right, we need the, well, at that time, it was like.

• 39:59Speaker 03

  It was just me and him.

• 39:59Speaker 04

  Wanted to make sure.

• 40:01Caleb Hammer?

  Usually apartment complexes, by the way, have common areas with like.

• 40:04Speaker 04

  Yeah. And bad, they're horrible.

• 40:07Caleb Hammer?

  Well, you're right. I want it. Well, your place didn't sound great. I wanted you to move to a better apartment.

• 40:11Speaker 03

  There was no playgrounds in the apartment.

• 40:13Caleb Hammer?

  Yeah, I said a better apartment complex instead of buying a house, but you didn't need to get grass. The flooding thing, I agree. Yes, we deal with that. The grass was not 100% necessary out of the gate. It just wasn't.

• 40:25Speaker 04

  Okay, it was an aesthetic thing. We wanted to have fucking grass in the back.

• 40:29Caleb Hammer?

  You couldn't afford your bills. Fuck you. She was out of work. Fuck you. So what are we doing?

• 40:33Speaker 04

  She had gone back to work, but so.

• 40:35Caleb Hammer?

  I don't know why we were struggling because you put this over maxed.

• 40:38Speaker 04

  On the side, so like on the side, it would kind of flood a bit. And we had mentioned it to the builder, right? So they were like, hey, man, sorry. We kind of sloped it the way it could, whatever. They couldn't help us basically in the warranty.

• 40:48Caleb Hammer?

  Then you had a bad realtor.

• 40:49Speaker 04

  Yeah, it was pretty. Yeah.

• 40:50Speaker 03

  Yeah, we didn't have a good realtor.

• 40:52Speaker 04

  Point is, I was like, all right, I'm gonna make, I'm like a DIY a French drain. So then I went to go buy all the shit that I needed. Yes. So.

• 41:02Caleb Hammer?

  That's, that's why we're like.

• 41:03Speaker 04

  That's what that is, dude. The French drain, all the materials, the rocks, the pipe, the.

• 41:09Caleb Hammer?

  What? You over maxed out a car?

• 41:12Speaker 04

  I didn't. It was the interest.

• 41:14Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 41:43Caleb Hammer?

  I kind of. If you make minimum three payments on time with the interest rate required, like they will not go over the limit. It will not. If you make minimum three payments on time, even if you're at the limit, it will not go over.

• 42:00Speaker 04

  The problem with that was, and I'll be honest, so like I'd make a payment, but then I'd go and spend more than the payment, you know?

• 42:06Caleb Hammer?

  There it is, you dick. Why would you do that when you have a wife and child?

• 42:11Speaker 04

  Cause I wasn't paying attention to what the limit was, but like the way I saw it was.

• 42:16Caleb Hammer?

  No, obviously you kind of worked because you waited for room to spend on there and then you went spending.

• 42:20Speaker 04

  It was on auto pay.

• 42:21Caleb Hammer?

  So that's a lie.

• 42:21Speaker 04

  It was on auto pay.

• 42:22Caleb Hammer?

  But you waited for the payment to hit and then you knew you could just spend. So you knew it was maxed out or else you'd be spending before the payment hit. So you knew it was there. Don't bull. Don't bull me.

• 42:34Speaker 04

  We needed certain things.

• 42:36Caleb Hammer?

  Listen, I'm okay with the flooding thing and you had a bad realtor, bad contracts, but even still, obviously, once you had the ability to spend on the cart, you did, and that is why it's been pushed over.

• 42:45Speaker 04

  Yeah.

• 42:45Caleb Hammer?

  You have a wife and child at home. I don't care about your Home Depot addiction.

• 42:51Speaker 04

  But my thing was, there was, dude, we got, we had the, what do they call that? The four pillars or whatever, food, shelter, all that, all that taken care of. So I was like, all right, look, we're gonna do this to add a little bit of comfort to our house. So in my mind, it was kinda necessary because I wanted, you know, my daughter to be able to go outside and play in the grass and, you know, have stuff for her, right?

• 43:13Caleb Hammer?

  And we can budget that in. We don't have to do everything at once and over max out a credit card. I'm not against it.

• 43:18Speaker 04

  The method was bad.

• 43:20Caleb Hammer?

  Yes, that's what I'm saying. Are you not hearing that? That's literally what I am arguing about. You're over the limit, dude. We still have no grass, though. You have deferred interest coming up in not long.

• 43:31Speaker 04

  It's all the crab grass.

• 43:33Caleb Hammer?

  Listen, the limit is 2,200, but you have a balance of 2,733,58 cents with a minimum monthly payment of $81. I mean, fees being hit.

• 43:41Speaker 04

  So I think the other thing with that was-

• 43:43Caleb Hammer?

  Here, here it is, dick. Here it is. Here it is, you [bleep]. You little, dude, this is what it is.

• 43:50Caleb Hammer?

  This is actually what is going on. There you go.

• 43:56Speaker 04

  Why can't you see it?

• 43:57Caleb Hammer?

  Seven of the nine months at the time of this statement,

• 44:01Caleb Hammer?

  all the payments bounced because you didn't have enough money in your checking account and you got fees on it. And that is why it's been pushed over. Is that what happened? You don't know what happened?

• 44:09Speaker 04

  I didn't know that.

• 44:09Caleb Hammer?

  Why don't you? You took over the finances, you said.

• 44:13Speaker 04

  Yeah.

• 44:13Caleb Hammer?

  Recently? I'm not gonna look at this. Recently? You're not looking at a statement? How do you take over the finances and- Well, I'm taking over the payment. Wait, how do neither of you know this? This is insane.

• 44:22Speaker 04

  It was the, okay, in my mind, it was a [bleep] auto pay.

• 44:25Caleb Hammer?

  It was, and you didn't have enough money, so it bounced, and you've accumulated $219 of fees!

• 44:32Speaker 04

  I didn't know that.

• 44:32Caleb Hammer?

  Fees! How? It's in the statement! You guys said you were looking at your [bleep] now. I'm doing so much better recently. How? What are you talking about?

• 44:40Speaker 04

  That was before.

• 44:42Caleb Hammer?

  No, this is now. This is this year. You would know this walking into this room.

• 44:47Speaker 04

  I didn't look at the statements.

• 44:49Caleb Hammer?

  How are you doing this without looking at your documents? You're not doing this correct?

• 44:54Speaker 04

  Login, all I would do is login to the app. Look at it and say, okay, it's enrolled in auto pay. Let me make a payment now. Boom.

• 45:00Caleb Hammer?

  Oh, but if you don't have enough money in your checking account, auto pay does not work.

• 45:04Speaker 04

  That's the thing. It did. So like, it did have money, but by the time.

• 45:08Caleb Hammer?

  Two times this year it has.

• 45:09Speaker 04

  I guess by the time that the payment like drafted.

• 45:12Caleb Hammer?

  For the 10th month.

• 45:13Speaker 04

  Other fucking payments had gone through.

• 45:15Caleb Hammer?

  Two times it's worked. Two times it's worked. It's worked 20% of the time. It has failed 80.

• 45:23Speaker 04

  Well, all right. So in because.

• 45:25Caleb Hammer?

  Why? What are we fucking around with in the checking account? Oh, there's bull spending.

• 45:29Speaker 04

  There is bull.

• 45:30Caleb Hammer?

  Approximately about 20% of your spending was the bull. Whenever you don't have enough money in your checking account to make your monthly payments, what the is wrong with you guys? Come on, you took over the finances. Why is that possibly, possibly something that's happening?

• 45:41Speaker 03

  Look, I did not look into the statements. I only asked him, hey, what payments do you have coming up?

• 45:46Caleb Hammer?

  So you haven't taken over the finances? You just wanted to know what payments are happening.

• 45:49Speaker 04

  I mean, of course.

• 45:50Caleb Hammer?

  What's the point of taking over some if not knowing what is going on as a whole?

• 45:53Speaker 03

  Well, I'm, I don't know what goes on with his own cards. I only know.

• 45:56Caleb Hammer?

  His own cards? But you guys, you've combined all this, isn't it? If we're paying for his own cards from our joint checking account, which I'm assuming, what do we want to know? You're trusting the guy that lied about finances for years?

• 46:07Speaker 03

  No, no, I'm trusting his words on, okay, this is the monthly payments.

• 46:10Caleb Hammer?

  He hasn't obliterated that trust?

• 46:12Speaker 03

  That's it.

• 46:13Caleb Hammer?

  How is he not obliterated this financial trust?

• 46:15Speaker 03

  I mean, he has now more for sure.

• 46:17Speaker 04

  But.

• 46:18Caleb Hammer?

  Well, he didn't even know this. Like, I don't even know how. A thousand dollars of interest this year, hundreds of dollars of fees in one card, one card. Over the limit by hundreds of dollars. Deferred interest is going to hit in just the coming months.

• 46:35Speaker 04

  Well, all right, look, so whenever we'd make the payment, I'm sure this kind of lines up with other payments. So whenever I'd auto pay, it would take a couple of days to draft. By the time that payment drafts, I guess the money wouldn't be there because another payment hit.

• 46:48Caleb Hammer?

  Dude, 80 bucks?

• 46:50Speaker 04

  Dude, no.

• 46:51Caleb Hammer?

  You're telling me 81? No. Why? Put it, what?

• 46:57Speaker 04

  So I'd auto pay it for at least like a hundred or 125.

• 47:00Caleb Hammer?

  Why not just minimum?

• 47:01Speaker 04

  Pay a little bit more.

• 47:02Caleb Hammer?

  But you're paying literally two times this year.

• 47:07Speaker 04

  I know. It was a bad plan, but we can improve it now. Now that we know, I didn't know. I honestly didn't know. Maybe that was part of the problem.

• 47:18Caleb Hammer?

  I would say that's a big part is you guys don't know anything, especially now that you've taken over. You don't know. What are you? You haven't taken over.

• 47:26Speaker 03

  Look, I at least got us a little bit caught up this time. A little bit caught up.

• 47:31Caleb Hammer?

  A little bit caught up. What are you talking about? We literally just had a late. No, we literally just had a late payment this statement. Like, I don't want to hear this.

• 47:39Speaker 03

  Okay, well, this is his statement. I'm not going to deal with that.

• 47:41Caleb Hammer?

  Why? Well, you guys are together.

• 47:42Speaker 03

  Yeah, we're together, but at the beginning, it was just you, and now we're trying to be together.

• 47:47Caleb Hammer?

  You don't know that. You probably had a draft attempted. You don't know if it went through. You do not, because you didn't even know it's missed 80% of this year.

• 47:55Speaker 04

  Yeah, I didn't know that. That was crazy.

• 47:56Caleb Hammer?

  So you cannot tell me it's been fixed since. You can't.

• 48:01Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 48:31Caleb Hammer?

  It's at a 30% interest rate of death insanity. Why?

• 48:34Speaker 04

  I know. It's pretty bad.

• 48:35Caleb Hammer?

  And like just.

• 48:35Speaker 04

  So when I first got it, the original plan was we're going to get the appliances and that was 0%.

• 48:41Caleb Hammer?

  The guy with plans, always having plans. Nothing's ever worked. Go on, what was your plan? Grand plan?

• 48:46Speaker 04

  I never said it was a good plan. I just said it was a plan.

• 48:48Caleb Hammer?

  Have you never had a good plan in your life?

• 48:49Speaker 04

  Alright, so it was zero interest for, for, you know, the one year, whatever the promotion is. Uh, so that's what we did. We got the appliances and I was like, alright, we're good. We're not going to buy anything else on it, but then kept coming up, so.

• 49:04Caleb Hammer?

  It kept coming up. You spent 20% on bull.

• 49:06Speaker 04

  Yeah, pretty much.

• 49:08Caleb Hammer?

  It kept coming up. What are you talking about? Shit kept coming up?

• 49:11Speaker 04

  It kept coming up like we needed to do the French drain.

• 49:13Caleb Hammer?

  We had to do grass.

• 49:14Speaker 04

  We had to do grass.

• 49:15Caleb Hammer?

  We would have, the house would have burned down without the grass in the back.

• 49:19Speaker 04

  We had pests, dude. We like, we tried to DIY like the pest control and all kinds of shit.

• 49:23Caleb Hammer?

  Oh, dude, I'll just knock it out of the gate.

• 49:26Speaker 03

  We didn't have to pay for pest control.

• 49:28Speaker 04

  We had to pay like 3K for, what do they call that? Exclusion for like rats and like to prevent anything from getting inside.

• 49:34Caleb Hammer?

  Obviously, I would encourage that, but I would also encourage making your payments on time.

• 49:40Caleb Hammer?

  And having enough money in your checking account.

• 49:42Speaker 04

  We had enough money at the time.

• 49:44Caleb Hammer?

  No.

• 49:45Speaker 04

  It wouldn't, by the time the payment hit, it wasn't enough money.

• 49:49Caleb Hammer?

  At the time dude, that is the time you would need to have the money. What are you talking about?

• 49:52Speaker 04

  Okay, so, yeah.

• 49:54Caleb Hammer?

  You are making no sense.

• 49:56Speaker 04

  Okay, when the, when I clicked authorize pay, there was money in the account. I guess by the time it drafted, there wasn't fucking money.

• 50:03Speaker 03

  This is my conversation every time with him. He's trying to justify what he did.

• 50:06Caleb Hammer?

  Yeah, he is. You really are. Why are you an endless justifier? You're not? Now you're gonna try to justify how you're not justifying? What are you talking about? What are you, this is, how can she have a conversation with you? How can you guys have conversations at all?

• 50:20Speaker 03

  You see, this is the supposedly conversation we have.

• 50:23Speaker 04

  Tell you what, I'll ask my therapist.

• 50:26Caleb Hammer?

  Uh huh.

• 50:27Speaker 03

  Okay.

• 50:28Caleb Hammer?

  Well, how have those been going?

• 50:30Speaker 04

  Eh, pretty good.

• 50:31Caleb Hammer?

  We like couples therapy, oh, crazy. I don't know if I like crazy. How's it crazy?

• 50:36Speaker 03

  Yeah, because we let everything out and we both start going at it and crying.

• 50:41Caleb Hammer?

  A couple therapists are supposed to, hopefully.

• 50:43Speaker 03

  I mean, she does listen, of course.

• 50:44Caleb Hammer?

  No, not just listen, step in and make sure the conversation is healthy.

• 50:48Speaker 03

  She does. What I mean crazy is between me and him, like, we both are going at it and then, yeah.

• 50:54Caleb Hammer?

  What are you guys not holding back on these days? What's going on right now?

• 50:59Speaker 04

  Uh, just, I would say it's, it's tension that's built up.

• 51:03Caleb Hammer?

  What was the big?

• 51:04Speaker 04

  We got let loose. Because, uh, she broke her finger.

• 51:07Caleb Hammer?

  The Friday before that.

• 51:09Speaker 04

  Before that?

• 51:09Caleb Hammer?

  Yeah. Come on, what was the last big blow up?

• 51:12Speaker 04

  Last big blow up was over, what, Chipley Donuts?

• 51:19Speaker 03

  Yeah.

• 51:20Speaker 04

  Yeah, so basically, we have this thing at work where if you get to work late, you have to buy breakfast for the team. I had gone late a couple times already, and so I was like, alright, fuck, I know we don't got it, let me just buy some donuts real quick. I bought like 20 bucks worth of.

• 51:34Speaker 03

  26.

• 51:35Speaker 04

  26 bucks worth of breakfast and took it for the team. And it was a bad call, but I was like, alright, look.

• 51:43Speaker 03

  But his excuse is, I'm gonna get a check on Friday for my other job.

• 51:47Speaker 04

  I am, I worked a lot of hours that week.

• 51:48Speaker 03

  And I'm like, that money's gonna go to pay daycare, so we might.

• 51:52Caleb Hammer?

  It's hard.

• 51:53Speaker 04

  But that was the big check.

• 51:54Caleb Hammer?

  It's hard. I was gonna say I don't want you to spend it, and the excuse you use is horrible about getting paid. I also have a hard time, like, if that is their kind of culture that's been agreed upon at work. I mean, I'm not horribly opposed to him doing that in a one-time way. A one-time way? What I'm opposed to is if you know that is the thing and you're in the worst position out of almost anyone there, don't be late, dick!

• 52:18Speaker 04

  Thank you. Work crazy hours.

• 52:21Caleb Hammer?

  Dude, like I kick you.

• 52:22Speaker 04

  So I go into work at like...

• 52:23Caleb Hammer?

  Yeah, but you were the one who was late. That means all the people that work crazy hours got there before you.

• 52:27Speaker 04

  No, actually, they get there after me. I was supposed to be the first one. So I get there at like...

• 52:31Caleb Hammer?

  You're the safety guy. Get there. You're the manager. Come on.

• 52:33Speaker 04

  Yeah, but it's... Dude, when you're working every day, fucking like two, because I work, I go in at 3 a.m. And I have to be, I have to leave my house at like 1:30.

• 52:41Caleb Hammer?

  That's annoying, but if that's what you agreed upon, then do it.

• 52:43Speaker 04

  Yeah, I know, but dude, it gets hard. After a while, it wears on you.

• 52:47Caleb Hammer?

  It does, but you have to do it. I mean, I get here late. I mean, I guess I don't really have like a time I have to get here.

• 52:51Speaker 04

  Every now and then, it's not that it's fine. I don't try to make that a habit.

• 52:54Caleb Hammer?

  Buying breakfast for everyone too. Also, it doesn't matter because I don't really have anything to do before filming, so...

• 53:00Speaker 04

  No, we got a lot of shit to do.

• 53:01Caleb Hammer?

  Exactly! So we gotta go!

• 53:03Speaker 04

  That's what I'm saying. Dude, it gets fucking hard. It wears on you.

• 53:06Caleb Hammer?

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• 53:47Caleb Hammer?

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• 54:26Speaker 04

  Yeah. Oh, dude.

• 54:28Caleb Hammer?

  Two times overdue!

• 54:30Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 55:00Caleb Hammer?

  Why the possible? Why?

• 55:01Speaker 04

  I thought it was on auto pay.

• 55:04Caleb Hammer?

  Oh, so here, okay. Then so I understand why you wanted to step in, but your stepping in has failed.

• 55:10Speaker 04

  Okay. It, everything is supposed to be on auto pay. So in my mind, as long as there's money coming in.

• 55:15Caleb Hammer?

  If you do not have enough money, you're checking account, auto pay doesn't matter.

• 55:20Speaker 04

  There is enough money every week, but then it gets, it gets taken over by other bills if they hit beforehand.

• 55:26Caleb Hammer?

  This is a bill.

• 55:27Speaker 03

  But this is why I told you, check on what you have on auto pay and which ones do you not have in auto pay? And like either take them off.

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• 56:03Speaker 03

  And try to make the payments how we have them to make them scheduled.

• 56:06Speaker 04

  I think it's more of a.

• 56:07Speaker 03

  What we have on the week.

• 56:08Speaker 04

  I think it's more of a timing issue.

• 56:09Speaker 03

  Oh, my God.

• 56:10Caleb Hammer?

  What is the management philosophy here around our payments? Cause we have two accounts in a row that are completely in terms of making payments. What, what is the philosophy we're using? The strategy we're using? The communication we're doing. Okay. Cause you said there's a magical little board and you're following the board and everything's good, except it's not. Once we got into the numbers.

• 56:28Speaker 04

  The board is recent. So before it was just like, all right, every week we get paid.

• 56:32Caleb Hammer?

  Now. Like this is now.

• 56:37Speaker 04

  So basically.

• 56:38Caleb Hammer?

  Wait, you made the board yesterday?

• 56:40Speaker 04

  When we get paid, we pay everything that to do that week. That's kind of the.

• 56:43Caleb Hammer?

  You're budgeting weekly?

• 56:45Speaker 04

  Yeah.

• 56:45Caleb Hammer?

  Guys, that's not an accurate budgeting process.

• 56:48Speaker 03

  I mean, it's temporary and that's why we apply.

• 56:50Caleb Hammer?

  No, it's not temporary. It's gonna be forever because you're budgeting incorrectly.

• 56:54Speaker 04

  We've switched to budgeting monthly now.

• 56:56Caleb Hammer?

  That's good.

• 56:56Speaker 04

  So that's what she does. She learns.

• 56:58Caleb Hammer?

  Start?

• 56:59Speaker 03

  I do the whole month.

• 57:00Speaker 04

  She'll do the whole month and so we plan out, okay, next week we gotta pay this, we gotta pay that.

• 57:04Speaker 03

  And then we have this left over is gonna roll over to the next week.

• 57:06Speaker 04

  For the past couple of months, it's been a cluster.

• 57:09Caleb Hammer?

  Amazon's overdue, Alta's overdue. Wouldn't be surprised if Costco and Amazon, the other Amazon, ended up being overdue. So on a firm, which by the way, this is one of the craziest firm balances we've ever had because usually it doesn't let you get up this high. Three thousand twenty-two dollars and thirty-five cents. That's crazy.

• 57:25Speaker 04

  Yeah.

• 57:26Caleb Hammer?

  On a firm?

• 57:26Speaker 04

  Well.

• 57:27Caleb Hammer?

  What are we doing?

• 57:28Speaker 04

  I had a lot of good, good purchases with those guys. It was recently that, you know, everything kind of went. But for the most part, we've been pretty good about staying on top of it. And we use it for like, that's actually necessary. Like, it's not like we're buying a bunch of bullshit.

• 57:43Caleb Hammer?

  What are you talking about? That was her hair.

• 57:46Speaker 04

  Exactly.

• 57:48Caleb Hammer?

  That's not necessary.

• 57:48Speaker 04

  It wasn't necessary, but I wanted to do something nice.

• 57:51Caleb Hammer?

  I would too. I like that you did, except you did it in your. Because you couldn't afford it, so obviously you shouldn't have done it. And you got a secret skeleton telescope after watching In a Cellar.

• 58:02Speaker 04

  It was a good movie, so I was.

• 58:04Caleb Hammer?

  It is a good movie. I like it.

• 58:05Speaker 04

  Okay.

• 58:06Caleb Hammer?

  Well, I don't know.

• 58:08Speaker 04

  All right, the problem with that was I was, we were super inspired after watching it.

• 58:12Speaker 03

  We?

• 58:15Speaker 04

  I was like.

• 58:17Caleb Hammer?

  McConaughey made you emotional.

• 58:19Speaker 04

  Cried, but it was, uh, we were inspired. We watched it together.

• 58:24Caleb Hammer?

  You're quite a few years behind on that one, I'll be honest.

• 58:26Speaker 04

  I know, I know, but it still holds up, you know?

• 58:28Caleb Hammer?

  Yeah, soundtrack's great. I get it. You get excited.

• 58:30Speaker 04

  All right.

• 58:31Caleb Hammer?

  So you buy a telescope?

• 58:32Speaker 04

  It's because the problem is, I have a bad habit of getting into different hobbies. You know how they're like, oh, you're gonna be a fucking.

• 58:39Caleb Hammer?

  Telescope is your hobby?

• 58:40Speaker 04

  No, I thought it could be, right? I was like, man, I'm gonna get into fucking.

• 58:42Caleb Hammer?

  That doesn't get you to a black hole.

• 58:45Speaker 03

  That's so nice.

• 58:48Speaker 03

  I just remember it arriving and me opening the box and seeing a telescope and I was like, what the is this?

• 58:56Speaker 04

  What'd you do?

• 58:57Speaker 03

  I called him and I was like, what is this? He's like, I got a telescope and I was like, we don't need it. Why would you get this? We owe stuff, you know, we have payments to do. Why the hell are you gonna get an Amazon? I mean, a telescope. And then he was like, oh, I mean, I got it with a firm. Another firm? I already knew this was manageable.

• 59:18Speaker 04

  We don't have necessities on here. And how many times have you used this telescope? I used it, well, we already got rid of it.

• 59:25Speaker 04

  How? We got it at a garage sale. How much did you get for it? So we bought, so that's the thing. So telescopes, after we watched the movie, I was like, like, as I'm sitting next to her, I'm on a firm and I'm like, not on a firm, I'm on Amazon and I'm like, alright, I was like, maybe we should get like a telescope. Cause not only that, I was like, we didn't, I didn't tell her. In my mind, I was saying, hey, what if I get a fucking telescope? So we can actually like go outside, cause you know, where we live, it's a little on the outskirts. You don't have the light pollution, you can actually see stars and I was like, it'd be nice to get into it so that later, whenever our daughter is old enough, I can show her like, hey, look, that's, you know, whatever. And so, dude. The moon? Well, aside from the moon, right? I was like, it'd be a cool little hobby, a little science hobby to get into.

• 1:00:10Speaker 04

  Uh, let's try it, right? So I was like, I wanna see Saturn at least, right? Cause that's what the whole uh, promotion was for that uh, that telescope. So whenever I uh, I started, apparently there's like a range, right? So there's like the cheap bullshit ones that are like 50 bucks. And then there's like the really high end ones. I was like, let me go with one that's like a little lower to mid tier. So the one that I got was worth like 200 and I used it maybe once. It sat in our garage. It started with my eyes, cause I wear glasses, but um. How much did you sell it for? A hundred bucks.

• 1:00:47Speaker 04

  So really, the only thing I saw was how quickly 200 could turn into 100.

• 1:00:53Caleb Hammer?

  Now as far as I know, she made you sell it. You didn't even choose to sell it, she made you sell it.

• 1:00:57Speaker 04

  Well, it was sitting there for a while, so I was like alright. But, I mean on the bright side, it was one of my least expensive hobbies. Cause before I'd gotten into other shit, like, I got into the [BLEEP] and so we had a bunch of [BLEEP].

• 1:01:07Caleb Hammer?

  What's F A S A F W T?

• 1:01:11Speaker 04

  Safety baby. Um, so with that, I got a...

• 1:01:14Caleb Hammer?

  You affirmed, like a license?

• 1:01:16Speaker 04

  No dude, for...

• 1:01:17Caleb Hammer?

  I think your minimum payment's somewhere like 200 bucks a month on a firm currently.

• 1:01:20Speaker 04

  Probably, it's a little bit more than that.

• 1:01:21Caleb Hammer?

  Pull up your Amazon, someone pull up their Amazon.

• 1:01:23Speaker 03

  He has.

• 1:01:24Caleb Hammer?

  And start a screen recording.

• 1:01:25Speaker 04

  So, with the, uh, well, yeah, Amazon's a little...

• 1:01:34Speaker 04

  Take a little peek at that.

• 1:01:36Speaker 03

  Don't expose everything in there, please.

• 1:01:39Speaker 04

  Okay.

• 1:01:40Caleb Hammer?

  Oh, you got your, you're the safety guy and you got your safety test on a firm and then you failed it, so you have to do it again.

• 1:01:45Speaker 04

  Well, look, it was a hard test. Not everybody [BLEEP] can pass it, it's the, it's the top of the top. Once I get that, it opens up a lot of doors.

• 1:01:53Caleb Hammer?

  Safety?

• 1:01:54Speaker 04

  Hey bro, you'd be surprised, man.

• 1:01:56Caleb Hammer?

  Okay, we got an alarm clock, cause phones definitely don't do that.

• 1:01:59Speaker 04

  Exactly, it has to be for heavy...

• 1:02:01Caleb Hammer?

  What? The 2021 MacBook Pro?

• 1:02:03Speaker 04

  Okay, that was for my mom.

• 1:02:05Caleb Hammer?

  What?

• 1:02:05Speaker 04

  I didn't pay for that.

• 1:02:06Caleb Hammer?

  Phantom Academy, bull [BLEEP]. Oh cowboy boots, rubber boots.

• 1:02:10Speaker 04

  They're work boots.

• 1:02:11Caleb Hammer?

  Running shoes!

• 1:02:13Speaker 04

  I didn't need running shoes.

• 1:02:15Caleb Hammer?

  Non-slip helmet, bull [BLEEP].

• 1:02:17Speaker 04

  You need it for work, it's all work shit.

• 1:02:19Caleb Hammer?

  Soccer shin guards?

• 1:02:21Speaker 04

  That's...

• 1:02:22Speaker 03

  The alarm clock just got here this week.

• 1:02:24Caleb Hammer?

  The [BLEEP] why? Why?

• 1:02:27Speaker 04

  I'm a heavy sleeper, the [BLEEP] phone alarms don't work, I had to get the mess.

• 1:02:31Caleb Hammer?

  Put it across the room, you dick!

• 1:02:33Speaker 04

  It don't work, it wakes them up, it won't wake me up.

• 1:02:36Speaker 03

  It wakes me and my baby up.

• 1:02:37Caleb Hammer?

  Then slap him!

• 1:02:38Speaker 03

  I do! I kick him, I literally kick him with my feet, I...

• 1:02:43Speaker 04

  I basically die at night. In the morning, I'll try to wake up. That's essentially what happens.

• 1:02:49Caleb Hammer?

  This firm just keeps going. This is insanity. You're gonna be paying things forever. Roman Valley Ranch? La Raza Western? Where? Walmart? B C S P?

• 1:02:59Speaker 04

  Those are paid. B C S P was my test.

• 1:03:02Caleb Hammer?

  Yeah, those ones were previous, but this is crazy. Yeah, the test you failed?

• 1:03:05Speaker 04

  Yeah.

• 1:03:06Caleb Hammer?

  Okay.

• 1:03:06Speaker 04

  I'll buy one question.

• 1:03:07Caleb Hammer?

  Diamond store?

• 1:03:09Speaker 04

  Yeah.

• 1:03:09Caleb Hammer?

  What is this diamond store?

• 1:03:10Speaker 04

  So my daughter needed earrings.

• 1:03:12Caleb Hammer?

  Needed?

• 1:03:13Speaker 04

  Well, she had earrings.

• 1:03:15Speaker 03

  I mean, she needed them.

• 1:03:16Caleb Hammer?

  What the [bleep] are you talking about?

• 1:03:18Speaker 04

  They have to be real gold.

• 1:03:19Speaker 03

  They needed, she needed them for the holes to not close. The little holes on her ears.

• 1:03:24Speaker 04

  She needed it to be real gold because otherwise she'll have an allergic reaction.

• 1:03:27Speaker 03

  Like it'll create like a bump in the back.

• 1:03:29Caleb Hammer?

  Nothing else exists except for gold out there. Nothing. And gold's expensive right now.

• 1:03:34Speaker 04

  It, well, yeah.

• 1:03:36Speaker 03

  I mean, it wasn't so expensive.

• 1:03:38Speaker 04

  And we ended up getting a necklace, right? Or a bracelet or something?

• 1:03:42Speaker 03

  Yeah.

• 1:03:42Speaker 04

  I forgot.

• 1:03:43Speaker 03

  A necklace.

• 1:03:43Caleb Hammer?

  Why?

• 1:03:45Speaker 03

  Because I've never had one like that.

• 1:03:47Caleb Hammer?

  You couldn't afford anything. You're also not even wearing it.

• 1:03:49Speaker 03

  I mean, we did have a credit card at that time. He, he said, oh, we're gonna pay it off.

• 1:03:53Caleb Hammer?

  Minimum payment takes nine years to pay this off.

• 1:03:56Speaker 04

  Yeah, but I mean, it's.

• 1:03:57Caleb Hammer?

  Minimum payment only, and it's literally only at $651.62, and minimum payment takes nine years to pay off. Minimum payment, 30 bucks.

• 1:04:05Speaker 04

  Yeah, but you.

• 1:04:05Caleb Hammer?

  What the [bleep] are we doing?

• 1:04:06Speaker 04

  Before, we'll pay more when we can.

• 1:04:08Caleb Hammer?

  Well, we'll pay more when we can. Can never comes, though.

• 1:04:11Speaker 03

  Yeah.

• 1:04:12Caleb Hammer?

  When never comes. 14 years for the Home Depot card. 14! Your child will be, uh, 16 years old. Passing that quinceañera.

• 1:04:24Speaker 04

  Mm-hmm.

• 1:04:28Speaker 04

  Well, okay, but my idea was.

• 1:04:31Speaker 03

  That was racist.

• 1:04:32Speaker 04

  The plan was, we're.

• 1:04:33Caleb Hammer?

  Oh, tell me you're not doing a quinceañera.

• 1:04:35Speaker 03

  No.

• 1:04:36Caleb Hammer?

  What?

• 1:04:37Speaker 03

  No, I'm just kidding.

• 1:04:37Caleb Hammer?

  I can't go outside in Austin without seeing Five being done.

• 1:04:41Speaker 04

  Really?

• 1:04:41Caleb Hammer?

  Yes! Go to any park and everyone's in dresses.

• 1:04:44Speaker 03

  I mean, I'll let her choose. Speaking of quinceañera, or maybe going somewhere and that's it.

• 1:04:49Speaker 04

  Well, she's smart. She'll go somewhere. Yeah.

• 1:04:53Caleb Hammer?

  Promotional plans ending soon.

• 1:04:55Speaker 04

  Yeah, so look, the idea was we're gonna get it and we're gonna pay it off. Uh, paying more than the monthly minimum.

• 1:05:02Caleb Hammer?

  What? We're gonna pay it off? Oh, it ended! It ended at the time of filming!

• 1:05:11Caleb Hammer?

  You just had $500 in deferred interest hit.

• 1:05:16Caleb Hammer?

  That means this has gone up to about, oh, a thousand?

• 1:05:23Speaker 04

  I think the time period is-

• 1:05:24Caleb Hammer?

  Thousand one hundred fifty-one dollars. Minimum payment now is probably like sixty. What have we done? You didn't even know this, did you?

• 1:05:31Speaker 04

  I didn't even know it.

• 1:05:31Caleb Hammer?

  This ended two days ago. You f- this ended two days ago. Two days ago from filming. Two days ago from filming. Yeah, you made a minimum. From filming. The deferred interest all hit, though.

• 1:05:45Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 1:06:14Caleb Hammer?

  Why does she need her ear pierced? Because it's cute.

• 1:06:19Speaker 04

  Well, we got it when she was-

• 1:06:21Caleb Hammer?

  You know what a need is. You have a child. You need to learn the difference between a need or a want. You are not the child you have one to take care of.

• 1:06:28Speaker 04

  She, she got her piercing when she was like, what?

• 1:06:31Caleb Hammer?

  Like nine?

• 1:06:32Speaker 04

  Six months?

• 1:06:32Caleb Hammer?

  Six months?

• 1:06:33Speaker 04

  Six months, something like that, right? Nine months?

• 1:06:35Caleb Hammer?

  Nine months.

• 1:06:36Speaker 04

  Alright, yeah, she got her ears pierced at like nine months and so-

• 1:06:38Caleb Hammer?

  Well, I, what, but, okay, great. She got her ears pierced in nine months. And it's super exciting. I don't care. She can get her ears pierced again, right? I mean, what, what are we doing here? This is absolutely crazy.

• 1:06:47Speaker 04

  I'd rather pay so that she doesn't go through that pain again.

• 1:06:52Speaker 04

  That was the kind of like a thought process. Okay.

• 1:06:54Caleb Hammer?

  Thought process is now you just had $500 of deferred interest hit two days ago.

• 1:06:59Speaker 04

  Well, I didn't know about that, but.

• 1:07:01Caleb Hammer?

  Now you do, and you're, this is insane, and now interest is accruing across the board on this as well.

• 1:07:07Speaker 04

  So the plan is to.

• 1:07:09Caleb Hammer?

  Oh, here, here he comes with the plan. Let's hear the plan, please, plan guy, tell me, tell me, Mr. Planner.

• 1:07:14Speaker 04

  All right, we're gonna pay a little bit more, uh.

• 1:07:17Caleb Hammer?

  Oh, with what money, buddy? You never have enough money in your checking account to make your minimum payments in the first two accounts we looked at. Well, how does this plan work? Can you please define this plan for me and the strategy behind it?

• 1:07:26Speaker 04

  Well, with the second job that I'm now making more money.

• 1:07:29Caleb Hammer?

  You are making more money, more money comes with more spending. You just spent, you.

• 1:07:33Speaker 04

  No.

• 1:07:33Caleb Hammer?

  Hey, I'm gonna let you know, you guys were already making a killing compared to everyone else before.

• 1:07:38Speaker 04

  Okay, so.

• 1:07:39Caleb Hammer?

  That wasn't the issue. Income's not your issue at this point. It's really not.

• 1:07:42Speaker 04

  But we also changed eating out as much. We also changed a couple habits.

• 1:07:46Caleb Hammer?

  Not in your statement, so I don't believe that. Listen, I'll let you use the FIS card, debit card that builds credit, because at least it only lets you spend what's in your checking account. And you obviously cannot manage anything beyond that. It's as clear as day. It's clear as day.

• 1:07:59Speaker 04

  I would say that I have a false sense of confidence that it's gonna fucking be paid.

• 1:08:04Caleb Hammer?

  And if you know it's a false sense, stop. I'll also get whoever wants a course course certification, whatever field you're in, so you can also look to get a, uh, even bigger increase raise whenever those come. So I'll get you one of those. Um.

• 1:08:20Caleb Hammer?

  This is moronic. This is so stupid. So stupid. You made progress going down from $1,441 down to that 600, and now it's up to $1,151.62 because you allowed the deferred interest to hit two days ago. What a joke. All while spending enough on bull to have paid that off in a month.

• 1:08:44Speaker 04

  Well, the way I see it was.

• 1:08:46Caleb Hammer?

  Oh, how do you see it?

• 1:08:47Speaker 04

  We did, we did, I didn't get ex, like I wasn't. Aware of that.

• 1:08:52Caleb Hammer?

  You can look at a statement, dick.

• 1:08:53Speaker 04

  Yeah, but I wasn't aware of that. And I don't look at statements as much.

• 1:08:56Caleb Hammer?

  Well, obvi- as much, did you ever?

• 1:08:58Speaker 04

  Who really opens [__] statements? Unless you get a mail to you.

• 1:09:00Caleb Hammer?

  If you are the one trying to fix your financial situation, the answer would be you.

• 1:09:03Speaker 04

  Well, yeah, but I didn't look at them before. So, cuz I had, in my mind, it was being taken care of by the auto pay.

• 1:09:10Caleb Hammer?

  Before, it could have been a few weeks ago and you would have known this exact thing.

• 1:09:14Speaker 04

  I'll be the first one to tell you I don't look at the statements.

• 1:09:16Caleb Hammer?

  Dude, if I just sat down, we didn't even have a conversation, and I went through these statements to get all the top pieces of information, I could do it in 10 minutes. Let's say because I've done that a little more commonly, a little more frequently, I can do it quick. You could have done it in 30. All of these statements is not difficult. To at least see, is there a deferred interest? Are there late payments? What's the balance in here? Are we above the limit? Are we making our minimum payment on time? All this [__] is so easy, so easy. This would have taken you such a limited time.

• 1:09:44Speaker 04

  But you don't know what you don't know. So it's super easy. Well, I didn't [__] know. How do I know what to learn if I don't know to learn it?

• 1:09:51Caleb Hammer?

  The statements. It's as easy as that.

• 1:09:53Speaker 04

  I'll look at it.

• 1:09:53Caleb Hammer?

  No, exactly. But that's when you would have learned. You know they exist.

• 1:09:58Speaker 04

  I would have learned it if I didn't look at it.

• 1:09:59Caleb Hammer?

  I don't understand your logic. Can you translate for him? Cuz?

• 1:10:03Speaker 03

  I can barely understand them, and this is our arguments all the time. Cuz then I have questions.

• 1:10:08Caleb Hammer?

  How frequently?

• 1:10:09Speaker 03

  Almost every, every other day.

• 1:10:11Caleb Hammer?

  Really?

• 1:10:12Speaker 03

  Yes.

• 1:10:12Caleb Hammer?

  Every other day.

• 1:10:13Speaker 04

  Other day.

• 1:10:14Speaker 03

  No, no, we still have it every day.

• 1:10:18Caleb Hammer?

  And are they productive?

• 1:10:20Speaker 03

  Hmm.

• 1:10:22Caleb Hammer?

  Yes.

• 1:10:26Speaker 03

  It depends.

• 1:10:27Caleb Hammer?

  On?

• 1:10:29Speaker 03

  If we have the money, or if he wants to listen, and...

• 1:10:33Caleb Hammer?

  If he wants to listen?

• 1:10:35Speaker 03

  Yeah. Cuz then he continues with like, but this, but that, but this and this and that. And I'm like, okay, I don't wanna hear it.

• 1:10:42Caleb Hammer?

  This conversation.

• 1:10:43Speaker 03

  I don't wanna hear it. Okay, shut up. Bye.

• 1:10:46Speaker 04

  Okay, look, in my defense.

• 1:10:48Caleb Hammer?

  Oh, here we go.

• 1:10:50Speaker 04

  Okay, in my defense.

• 1:10:53Speaker 04

  We're, we have a greater capacity to start paying off now. So it's not that I'm saying, okay, let's continue our bad habits. We realize, okay, we fucked it up, but at least you are continuing them.

• 1:11:05Caleb Hammer?

  You just hit your furthest hit. You can't make a progress towards a situation that you don't even know the situation. No, but you can't make progress towards this situation if you don't even know the situation. You can't. That doesn't make any sense. How can you tell me you're gonna make progress towards it if you don't even know what's happening?

• 1:11:19Speaker 04

  That's why we're here. We don't fucking know what's happening.

• 1:11:21Caleb Hammer?

  But you said that was your plan.

• 1:11:27Speaker 03

  You did say that though.

• 1:11:29Caleb Hammer?

  You did say that though. And speaking of plans, late fee immediately this month on the Discover it. What's up with the Discover it card?

• 1:11:37Speaker 04

  Honestly, I'd have to say the same thing, dude, cuz I thought I made a payment on that. That was, it's on auto pay.

• 1:11:42Caleb Hammer?

  Did.

• 1:11:45Caleb Hammer?

  And didn't have enough money.

• 1:11:47Speaker 04

  Probably. But in my mind, like, I said, I said the auto pay on, or I'll pay it. I'll go into the app, pay it.

• 1:11:56Caleb Hammer?

  You're above the limit. You're above.

• 1:12:02Caleb Hammer?

  You have a child.

• 1:12:03Speaker 04

  Slightly. How much am I above the limit?

• 1:12:05Caleb Hammer?

  Sixteen dollars and thirteen cents. That's horrible. You weren't above it last month. You've gone above it.

• 1:12:10Speaker 04

  Yeah, but I didn't.

• 1:12:11Caleb Hammer?

  Thirty-five dollar minimum payment, five hundred sixteen dollars and thirteen cent, uh, balance. Yeah, credit score's in the five hundreds. That's insane. Nineteen months to pay off if you make your minimum payments, which you don't. Uh, late fee, yep, there it is. It's a late fee. It's a return check fee specifically.

• 1:12:29Caleb Hammer?

  So it's the only one this year on this card, surprisingly enough. And what is it for? Well, gas, that's okay, but you did a Grab a Bite Grill, Grab a Bite Grill, McDonald's and Grab a Bite Grill. And I wouldn't put gas on a card that you can't pay off or even make a minimum payment on anyway. I would put it on a debit card.

• 1:12:46Speaker 04

  Yeah, I mean, honestly, I don't even know what the grabbing bite, grab a bite grill is.

• 1:12:51Speaker 03

  I do not know. You're the one who goes out to eat.

• 1:12:53Caleb Hammer?

  Three times. It's two dollars sixty cents, two dollars ten cents, eight dollars fifty-two cents.

• 1:12:59Speaker 04

  Those are different days?

• 1:13:01Caleb Hammer?

  Yeah.

• 1:13:02Speaker 04

  No, no. Oh, I think it was whenever I'd pick up our daughter, I'd buy her like an apple juice on the way to pick her up. I'd stop by the gas station and buy her apple juice.

• 1:13:11Caleb Hammer?

  Why don't you guys just pre-stock per serving on a better basis, apple juice at home?

• 1:13:15Speaker 04

  I know, so we do, but then I forget to take it cuz I'm rushing out at two in the morning, you know?

• 1:13:22Speaker 04

  So like I don't, okay, I would say

• 1:13:24Caleb Hammer?

  You didn't just get apple juice, though. You got yourself something and then you got yourself something more.

• 1:13:29Speaker 04

  Yeah, well, sometimes.

• 1:13:30Caleb Hammer?

  What'd you get?

• 1:13:31Speaker 04

  Didn't always.

• 1:13:32Caleb Hammer?

  What do you get?

• 1:13:33Speaker 04

  What do I get? Like, drinks or what?

• 1:13:34Caleb Hammer?

  Yeah, you stop at the gas station and you get shit.

• 1:13:37Speaker 04

  I'll get like a [bleep] Dr. Pepper, whatever.

• 1:13:39Caleb Hammer?

  That makes no sense. I don't understand this. You're drinking, you're drinking an energy drink right now. Take this free sample here. Taking up for free samples of this. This is Gamers Sub specifically. These are energy drink powders. Just like you should make your coffee at home instead of going in Starbucks and spending like $5 a coffee. Get that, make that [bleep]. It is 25 cents a serving. 25 cents a serving, almost endless flavors. Get yours 10% off. Link in the description below. 25 cents a serving. Make your energy drink at home. It tastes better and it's more convenient. You just take it and you can have unlimited amounts. Get your free samples also by typing in code Caleb on the site. Link in the description below and you can see what flavors you like. And then, at that point, you can figure out which one to get. No more buying coffee out. No more buying energy drinks out.

• 1:14:23Speaker 06

  I like coffee.

• 1:14:23Caleb Hammer?

  Make it at, I do too, so I make good coffee.

• 1:14:26Speaker 04

  The coffee.

• 1:14:27Caleb Hammer?

  I do too, so I make good coffee.

• 1:14:29Speaker 04

  The coffee feed here is.

• 1:14:30Caleb Hammer?

  All you do, good, make coffee at home. Make your energy drink at home. It's better, it tastes good and it's cheaper and it's affordable. Yes.

• 1:14:36Speaker 06

  No.

• 1:14:37Caleb Hammer?

  Then you make [bleep] coffee.

• 1:14:38Speaker 06

  No, no, no, I've tried. I even look at TikTok videos, YouTube videos. It tastes water down.

• 1:14:44Caleb Hammer?

  Cause you can't do co- what? Coffee is not difficult.

• 1:14:47Speaker 06

  No, but.

• 1:14:48Speaker 04

  No, no, she makes like that [bleep].

• 1:14:50Speaker 06

  I like lattes.

• 1:14:51Caleb Hammer?

  I make a latte every morning.

• 1:14:53Speaker 06

  Okay, then make me one and see if it tastes good.

• 1:14:55Caleb Hammer?

  Okay.

• 1:14:56Speaker 06

  Okay.

• 1:14:56Caleb Hammer?

  Uh, who's one of our latte makers here in the office? Who's always making a latte?

• 1:15:03Caleb Hammer?

  Can, can?

• 1:15:04Speaker 06

  Make me a latte.

• 1:15:05Caleb Hammer?

  Let's get, can Josh make her a latte?

• 1:15:06Speaker 04

  She, she likes those [bleep] like really bougie lattes with a little powder.

• 1:15:12Caleb Hammer?

  Well, we, I don't think, we don't have ice in the office, so you're gonna have a hot one and you're gonna determine if it's good, okay? You take, this is with a brevle. It's an investment upfront, yes, but it saves you so much money over time. So we'll get Josh. He's also Mexican, so you guys feel right at home.

• 1:15:26Speaker 04

  It's a Mexican coffee automatic?

• 1:15:28Caleb Hammer?

  Yes.

• 1:15:29Speaker 04

  Dude, she, so we bought her-

• 1:15:30Caleb Hammer?

  Every employee I have is Mexican these days. I don't know what's happening.

• 1:15:32Speaker 04

  Yeah, taking over.

• 1:15:35Speaker 04

  Dude, we bought her an espresso machine, so she could make it at-

• 1:15:38Speaker 03

  Espresso?

• 1:15:39Speaker 04

  Espresso.

• 1:15:39Caleb Hammer?

  What? That's everything! You just have to get good beans, you- And you gotta dial it-

• 1:15:44Speaker 03

  I have tried-

• 1:15:45Caleb Hammer?

  Oh, it's better. Oh, you are just a con-

• 1:15:47Speaker 03

  Look, I wanted Lily's coffee. Lily's coffee is so good. That thing tastes so creamy and sweet. Oh my god. I recommend it. In Willis, Texas.

• 1:15:54Caleb Hammer?

  What do you like, flavor-wise? Either hazelnut or vanilla? Pick one, because that's what we have here.

• 1:15:59Speaker 03

  Vanilla.

• 1:16:00Caleb Hammer?

  Okay, can we do vanilla, Lindsay?

• 1:16:03Speaker 03

  You see, you failed.

• 1:16:05Caleb Hammer?

  Well, you get what you need at home, you tit.

• 1:16:08Speaker 04

  I don't know, she's picking with her coffee.

• 1:16:10Caleb Hammer?

  Energy drinks at home, coffee at home. I don't want to fucking hear it.

• 1:16:15Speaker 03

  Coffee out.

• 1:16:18Caleb Hammer?

  Hehehe, I can't afford to take care of my kid. Hehehe.

• 1:16:21Speaker 04

  It does add up, the coffee. It does.

• 1:16:23Caleb Hammer?

  Yes, objectively, coffee out is not cheap.

• 1:16:26Speaker 04

  That was the whole point of getting the espresso machine, so she could make it at home, but she continues to go to that coffee shop. Because, okay, they make good coffee, I get it, but it's fucking cheaper to just do it at home.

• 1:16:37Caleb Hammer?

  It's so, it's not even comparable.

• 1:16:39Speaker 04

  She even has all the syrups.

• 1:16:40Caleb Hammer?

  Me and my girlfriend, one of our favorite things to do is to go either get brunch or coffee every Saturday and Sunday. I can afford it, it's in my budget. I get it. It's fun, it's nice being in a new environment, trying a new little drink. I get it. It's nice. You can't afford it, you can barely keep the roof over your head. You guys are late on almost every payment, and you're over maxed out. No, no, you guys are together or not. Choose.

• 1:17:00Speaker 03

  We were not in the beginning.

• 1:17:02Caleb Hammer?

  But are you today? We have caramel, is that okay? You like caramel?

• 1:17:06Speaker 03

  Yes.

• 1:17:06Caleb Hammer?

  Mexicans love caramel. You guys put caramel on everything. Trace slay chase, all caramel. It's just like, come on. You're always putting caramel, even though it's so sweet and milk. And I love it. I mean, don't get me wrong, it's actually like my favorite dessert. Trace slay chase, fuck me up. I love it, and it makes me, it's great.

• 1:17:20Speaker 03

  I know.

• 1:17:22Caleb Hammer?

  Quicksilver one, what's going on with this?

• 1:17:24Speaker 04

  Which one? Mine? Okay.

• 1:17:26Speaker 03

  Yes, they're all yours.

• 1:17:27Speaker 04

  Okay, those are mine. So, those are like my everyday bullshit cards and...

• 1:17:32Caleb Hammer?

  Why are you allowed to have everyday bullshit?

• 1:17:35Speaker 04

  I know. That's the, that's the bad part. So, it was for food, gas, like that.

• 1:17:43Caleb Hammer?

  Okay, well, first of all, gas isn't bullshit, but I wouldn't be putting it on a credit card that you can't pay off, that is accruing interest, and you spend eighty bucks, twelve cents. Interest is accruing, it's over the limit.

• 1:17:53Speaker 04

  So, the idea was...

• 1:17:54Caleb Hammer?

  It's over the limit, you tit. Three, he's three over the limit so far. THREE!

• 1:17:58Speaker 04

  By four dollars.

• 1:17:59Caleb Hammer?

  It's over the limit.

• 1:18:01Speaker 04

  But I'd made the payment to get it under the limit.

• 1:18:04Caleb Hammer?

  No, you did at the start of the month, and then you went over by the end again after interest hit. Eighteen months to pay this off.

• 1:18:11Speaker 04

  Walk in the line.

• 1:18:13Caleb Hammer?

  No, it's stupid. You're getting Peacock.

• 1:18:15Speaker 04

  So, we cancelled that.

• 1:18:17Caleb Hammer?

  Well, you should, because what's the point of Peacock?

• 1:18:19Speaker 03

  That's what I said.

• 1:18:19Speaker 04

  I know.

• 1:18:20Speaker 03

  He doesn't even watch it, it's just there.

• 1:18:21Speaker 04

  I watch The Office.

• 1:18:24Speaker 03

  No, you don't.

• 1:18:25Speaker 04

  I did, like, three times, and then I cancelled it.

• 1:18:28Speaker 03

  There you go.

• 1:18:29Speaker 04

  But it was...

• 1:18:30Caleb Hammer?

  You went to the gas station, you got an energy drink.

• 1:18:32Speaker 04

  It was...

• 1:18:32Caleb Hammer?

  Drink, there it is, right there, two thirty-seven.

• 1:18:34Speaker 04

  Yeah.

• 1:18:35Caleb Hammer?

  Twenty-five cents at home, ladies and gentlemen, link in the description. This is insane. L. Tricon Row text? Tricon Row?

• 1:18:47Speaker 04

  Tri...

• 1:18:48Caleb Hammer?

  Tricon Row?

• 1:18:49Speaker 04

  I think that's a restaurant.

• 1:18:50Caleb Hammer?

  You spent forty-three bucks.

• 1:18:51Speaker 04

  Oh, yeah, it's a restaurant.

• 1:18:52Speaker 03

  El... Let me see?

• 1:18:53Speaker 04

  El Tri.

• 1:18:54Speaker 03

  Oh, El Tri.

• 1:18:55Caleb Hammer?

  Prime video, now that's better, but even still, you probably can't afford it, YouTube's free anyway. Then you went into HEB and got some bullshit, because I highly doubt that it's groceries, so I'll be completely honest.

• 1:19:02Speaker 04

  No, HEB is, uh, like, our go-to grocery.

• 1:19:05Caleb Hammer?

  Whoa! Peacock is trash. As a former NBC employee, I can say it. You can legally say that?

• 1:19:12Speaker 04

  I don't work there, it's trash.

• 1:19:14Speaker 03

  Have you ever signed a contract?

• 1:19:15Caleb Hammer?

  Well, that was the Quicksilver. You have two Quicksovers?

• 1:19:18Speaker 04

  No, no, no, it's a Quicksilver and then a Platinum, but they're both basically the same...

• 1:19:21Caleb Hammer?

  Team, not over the limit, you're at the limit. Two hundred and eighty-one dollars and ninety-eight cents, minimum payment, twenty-five dollars again. What's going on with this card?

• 1:19:31Speaker 04

  It's the same thing, dude, it's, it's honestly, I go back and forth.

• 1:19:35Caleb Hammer?

  Why? Why are you doing this?

• 1:19:35Speaker 04

  Because whenever there's not enough money in the debit account, because we got bills, whatever.

• 1:19:39Caleb Hammer?

  Checking.

• 1:19:39Speaker 04

  That's like the backup, and then there's a backup to the backup.

• 1:19:44Speaker 03

  Well, that's what I told him when he started opening these. I'm like, why are you opening more? Why are you adding more?

• 1:19:49Speaker 04

  Originally, it was, hey, we need to get some credit cards to build credit and build that credit history. And then, uh, we did good for a while and then it went whenever we really got into it.

• 1:20:00Caleb Hammer?

  It's in Whataburger, parking, Fiesta bar, and catering. Something, maybe it's a vending machine or purchasing something at work. I don't know.

• 1:20:08Speaker 04

  Yeah, it's like a vending.

• 1:20:09Caleb Hammer?

  And then Home Depot, not even on the Home Depot card. You just couldn't stay away.

• 1:20:14Speaker 04

  Guilty pleasure.

• 1:20:15Caleb Hammer?

  It's like, it's the golden arches to you. Wanna know a dirty little secret? And no, I'm not starting an only [BLEEP]. You're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use Dollar Wise. It shows you exactly where your money's going every single month. Spending, subscriptions, and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download Dollar Wise today, you'll get this to try for free plus three months for just $9.99. So you can finally take control and see what your money's been doing behind your back. Click below to get started.

• 1:20:56Speaker 04

  Dude, they got a lot of [BLEEP] good deals, but the thing is, every time I go-

• 1:21:00Caleb Hammer?

  Things you don't need.

• 1:21:01Speaker 04

  Every time I go, it's for something we need, like an air filter. We need to replace this and that. We need to replace- We need salt for the water softeners. Like shit like that.

• 1:21:11Caleb Hammer?

  You don't need the soft water, though.

• 1:21:13Speaker 04

  We do, bro.

• 1:21:14Caleb Hammer?

  That bad?

• 1:21:15Speaker 04

  It's bad.

• 1:21:16Caleb Hammer?

  I'll accept that one. Listen, but even still, you're just endlessly finding excuses to spend money in Home Depot, and I love Home Depot.

• 1:21:23Speaker 04

  Better than [BLEEP] Lowe's.

• 1:21:24Caleb Hammer?

  Of course. And I love Home Depot. It's great. But again, I just budgeted out and I don't go there when I don't need to, but every time I do, I'm like, ooh, yay. This is you guys. This is your future.

• 1:21:34Speaker 03

  Yeah.

• 1:21:35Caleb Hammer?

  What do you think? How's your feeling?

• 1:21:37Speaker 03

  Lied to and just feel like we're in a big hole right now that it's gonna take us years to get out of, which I never wanted to end up in. So that's why I kept asking you, hey, make sure we make our payments. What are we all? Da-da-da. And it was part of the communication. This is the reason why we're also in therapy is because of this. Everything just went [BLEEP].

• 1:21:59Caleb Hammer?

  Would you guys just blow up on each other in therapy?

• 1:22:02Speaker 04

  Yeah, well, she blows up on me and then I'll like try to defend myself. That's kinda how that usually goes.

• 1:22:09Speaker 03

  With the defending himself with the payments.

• 1:22:12Caleb Hammer?

  Why do you blow up on him?

• 1:22:13Speaker 04

  And then my therapist is like, how do you defend yourself?

• 1:22:16Speaker 03

  Well, because it's a lot of like rage and anger towards him not telling me anything, communication and also just...

• 1:22:26Speaker 04

  It wasn't that I was intentionally hiding anything from you. It was that I didn't want her to have that additional stress. I'd rather carry the burden myself, try to figure it the fuck out. I tried to figure it the fuck out and do what I could to keep things going and essentially keep, like, you know what they say, like, keep her, uh, like, kinda blindly happy, right? And so it was bad.

• 1:22:48Caleb Hammer?

  Well, look how it turned out.

• 1:22:49Speaker 04

  I know now.

• 1:22:51Caleb Hammer?

  So why try to defend?

• 1:22:55Speaker 04

  I wanted, she already had a lot of [BLEEP] going on.

• 1:22:58Caleb Hammer?

  Wanted now.

• 1:22:58Speaker 04

  I know. Well, now we're working on it as a team.

• 1:23:02Caleb Hammer?

  But you tried to defend.

• 1:23:05Speaker 04

  I guess it's just, it's hard to accept that, you know, made some mistakes along the way, but there is that good intention of trying to get shit back in line, which is why we're taking that big step here.

• 1:23:16Speaker 03

  But you also had to, during that whole entire time, you should have thought about, okay, she's, her names are also on certain things with me.

• 1:23:22Speaker 04

  Yeah.

• 1:23:23Speaker 03

  I [BLEEP] up, her credit [BLEEP] up, we're [BLEEP], we're both [BLEEP] and that's something that I always brought up to you. You [BLEEP], it's gonna [BLEEP] me up too. So then we're both going down. It's a teamwork thing, so we both work to go up, not down.

• 1:23:37Speaker 04

  Yeah, I know. That's why. So like we, all the major things, like the car, the house, [BLEEP] that, that we're both on, I tried to keep that like front and center.

• 1:23:46Speaker 03

  But we still...

• 1:23:47Speaker 04

  But we still kind of, cuz those are the biggest payments, right?

• 1:23:49Caleb Hammer?

  Well, tell me, what's his main financial? Cuz it's chunky.

• 1:23:52Speaker 04

  The main financial?

• 1:23:53Caleb Hammer?

  One main financial.

• 1:23:54Speaker 04

  That was, we took out that loan because at that time, uh, she was between jobs.

• 1:23:58Caleb Hammer?

  No. Is this a survival loan?

• 1:24:00Speaker 04

  It was a survival loan.

• 1:24:02Caleb Hammer?

  While you were making seventy-five thousand dollars a year at your lowest?

• 1:24:04Speaker 04

  Yeah.

• 1:24:04Caleb Hammer?

  What a joke.

• 1:24:06Speaker 04

  It was a survival loan because she didn't have a job.

• 1:24:09Caleb Hammer?

  It doesn't, dude, you were making... Literally just above the median household.

• 1:24:14Speaker 04

  But we were already in a hole. So in order to survive and continue, keep everything from getting like repossessed, we had to get a survival loan. I said, okay, we're gonna get this loan until you get a job and then you can help me pay it. That was the idea. She got a good job, but it didn't work out. She lasted like two weeks and then quit, you know?

• 1:24:33Speaker 03

  Yeah, because they wanted me from 6 a.m. to 6 p.m. And my daughter's daycare is about, uh, they open at 6:30 a.m.

• 1:24:43Caleb Hammer?

  Do a different daycare?

• 1:24:46Speaker 03

  I was already comfortable with that daycare.

• 1:24:48Caleb Hammer?

  Yeah, in the Houston, Woodland, Sugar Land metropolitan area, median household income is 80,000. You're just five under that with one income temporarily. So you borrow this at a 27.74% interest rate? You owe $8,916.74 with a minimum payment of 289.67. Then you think that helps you?

• 1:25:08Speaker 04

  It did at the time. It helped us, it helped us cover like two months worth of bills.

• 1:25:13Caleb Hammer?

  Till she got a job. Credit card payments not get paid. You're already doing that anyway.

• 1:25:18Speaker 04

  But at the time, we were in good standing. And so we're like, all right, let's try to keep it in good standing until you can make more money to kind of help out. Um, because like, truth be told.

• 1:25:27Caleb Hammer?

  So we borrow a 30% loan though?

• 1:25:30Speaker 04

  I know, bad call. But it was for the sake of trying to survive the next few months until she got a job and then she could help me pay. Right? So the idea was we're gonna take a step back to take two steps forward, right? So that was kind of the thought process behind that. And we justified it as, you know, we need this in order to keep everything in check.

• 1:25:53Caleb Hammer?

  Okay, and then PCI, what's this?

• 1:25:56Speaker 04

  So PCI is a water softener system. We got on that one.

• 1:25:59Speaker 03

  It's because we do need it.

• 1:26:01Speaker 04

  Because it's expensive, but it was, um.

• 1:26:03Caleb Hammer?

  Okay, but how'd you get?

• 1:28:41Speaker 03

  I like sweetness.

• 1:28:43Caleb Hammer?

  Give, give, give, give, give! What, I'm gonna have the other side!

• 1:28:47Speaker 06

  Yeah, we'll take a sip on the other side.

• 1:28:48Caleb Hammer?

  I'm gonna have the other side! Give, give, give, give, give, give, give!

• 1:28:52Speaker 06

  Where do you go to get your coffee?

• 1:28:53Speaker 03

  Lily's. Lily's Coffee!

• 1:28:55Speaker 06

  Lily's Coffee.

• 1:28:56Caleb Hammer?

  Well, first of all, you gotta get to the coffee.

• 1:28:58Speaker 03

  That's what I was trying to get to, but...

• 1:29:01Speaker 03

  It's not sweet enough, though.

• 1:29:04Caleb Hammer?

  This is... I don't think latte is supposed to be sweet, are they? Well, she's getting like candy coffee.

• 1:29:09Speaker 04

  Yeah, she's getting like candy. She gets like the...

• 1:29:11Speaker 03

  Like the Terra Mica.

• 1:29:12Caleb Hammer?

  This is nice!

• 1:29:13Speaker 04

  The fucking...

• 1:29:14Caleb Hammer?

  This is good!

• 1:29:15Speaker 06

  The fucking cocoa powder on top and shit.

• 1:29:17Caleb Hammer?

  Dude, that's wonderful!

• 1:29:18Speaker 03

  Why are you giving it back?

• 1:29:18Caleb Hammer?

  Well done!

• 1:29:19Speaker 03

  You're so live us over it now.

• 1:29:20Speaker 06

  I need to take a sip from the other side.

• 1:29:21Caleb Hammer?

  Dude, get in there, enjoy what you got! This is wonderful!

• 1:29:25Speaker 03

  What if I was sick and I was coming up with something?

• 1:29:26Speaker 06

  This is actually really good coffee.

• 1:29:27Caleb Hammer?

  Really good!

• 1:29:29Speaker 06

  Shout out Medici Beans.

• 1:29:30Caleb Hammer?

  Yes, Medici. See, what we do is we get the beans from the coffee shop we like, and we make the coffee. It's as easy as that, it's cheaper.

• 1:29:36Speaker 06

  But if you like it sweeter, now mind you, I did a little bit of syrup. You can always add more.

• 1:29:40Caleb Hammer?

  You can always add more!

• 1:29:41Speaker 06

  You can add other creamers.

• 1:29:43Caleb Hammer?

  Come on!

• 1:29:44Speaker 03

  You just need to go and try it, that's it, that's all I'm gonna say.

• 1:29:47Caleb Hammer?

  It's because the thing is, she's not that placey.

• 1:29:49Speaker 06

  You gotta talk to her, Killer.

• 1:29:50Caleb Hammer?

  Alright, thank you, Josh. Thank you.

• 1:29:56Speaker 03

  You know, I used to dance for a Florida girl.

• 1:29:59Caleb Hammer?

  What'd you call me? Say it to my face.

• 1:30:04Caleb Hammer?

  Fuck my what?

• 1:30:07Caleb Hammer?

  Come on, you can make coffee at home, just add more sweetness! Get their syrup, figure out what syrup they have, and get it! It's from like India or some... It's from like someplace, like foreign, she imports it. India loves to send things. Oh, yeah.

• 1:30:22Speaker 03

  Okay. We'll do my best.

• 1:30:24Caleb Hammer?

  Mostly people, but... Especially engineers.

• 1:30:25Speaker 03

  We'll do my best.

• 1:30:27Caleb Hammer?

  But just get them, just get some, come on!

• 1:30:30Speaker 03

  Okay, we'll try my best, okay? No promises.

• 1:30:34Speaker 04

  Making progress.

• 1:30:36Caleb Hammer?

  Okay, well, you've had a late fee on this.

• 1:30:38Speaker 04

  Yeah, pretty much. Uh, but again, that one's on-

• 1:30:42Caleb Hammer?

  Seven hundred and eighteen dollars and twenty-six cents of interest this year.

• 1:30:45Speaker 04

  Yeah.

• 1:30:46Caleb Hammer?

  Medical bills.

• 1:30:47Speaker 04

  The medical bills are crazy.

• 1:30:49Caleb Hammer?

  Didn't send any statements, but she told Colton Yo about fourteen thousand.

• 1:30:52Speaker 04

  Yeah.

• 1:30:52Caleb Hammer?

  For what, birth?

• 1:30:54Speaker 04

  Birth, um, also, like, you know, obvi- since after we had our daughter, um, and, you know, she quit her job, my daughter got, she got sick, and then she got sick, and every time we'd go to the emergency room-

• 1:31:06Caleb Hammer?

  What's your insurance situation?

• 1:31:08Speaker 04

  So my insurance situation is I have, you know, full health insurance, medical, dental, and everything. She's not on it because we're not married.

• 1:31:16Caleb Hammer?

  You're not married!

• 1:31:17Speaker 04

  No.

• 1:31:18Caleb Hammer?

  Get married!

• 1:31:19Speaker 04

  We're sinners, but-

• 1:31:20Caleb Hammer?

  Just get married. Just get married.

• 1:31:23Speaker 04

  That's what I told her.

• 1:31:24Speaker 03

  What if I'm about to leave him?

• 1:31:25Caleb Hammer?

  Doesn't- Are you?

• 1:31:27Speaker 04

  No. Maybe.

• 1:31:28Caleb Hammer?

  Get married. There's extra legal protections that come with the tax benefits, a lot of stuff. There's no reason not to.

• 1:31:32Speaker 04

  Legally, on, on the-

• 1:31:34Caleb Hammer?

  Get legally married.

• 1:31:35Speaker 04

  Last, last year, we did report as married, filing jointly. So, I guess, tax-wise, we're married, but we haven't gone to court, is what I'm saying. We haven't gone to get this marriage certificate, and that's what they asked for, for the insurance. I have my daughter on my insurance, uh, but I don't have her on my insurance.

• 1:31:51Caleb Hammer?

  Wait, but you got a refund from your deductible after giving birth, but you spent it instead.

• 1:31:55Speaker 03

  To me, it was a check, and I was like, okay.

• 1:31:59Caleb Hammer?

  Do you have a minimum monthly payment on this medical debt? Have you negotiated?

• 1:32:02Speaker 04

  No, we haven't started.

• 1:32:03Caleb Hammer?

  Just negotiate. Get on a minimum.

• 1:32:05Speaker 04

  Well, we're trying to catch up on everything else first, and then we'll worry about that.

• 1:32:09Caleb Hammer?

  Chase Auto, great. Oh!

• 1:32:11Speaker 04

  Yeah, that dude-

• 1:32:12Caleb Hammer?

  You've not received your last scheduled payment in full! Amount due three thousand eleven?

• 1:32:18Speaker 04

  That's too much.

• 1:32:19Caleb Hammer?

  The minimum payment is a thousand four hundred and fifty-five dollars and fifty-four and fifty-seven cents? What is this car? What is this possibly car?

• 1:32:27Speaker 04

  That's a-

• 1:32:27Caleb Hammer?

  What is this? Wow, is this, this is, I think it's the second highest payment I've ever seen in the history of this, sorry, I think two thousand was the top. What are you doing? What do you have? Hold!

• 1:32:37Speaker 03

  Okay.

• 1:32:37Speaker 04

  Okay, so it's a twenty twenty-three Jeep Grand Cherokee.

• 1:32:40Caleb Hammer?

  You're a jerk! Cherokee for fifteen hundred dollars a month?

• 1:32:44Speaker 04

  Okay, listen.

• 1:32:45Caleb Hammer?

  Why?

• 1:32:46Speaker 04

  It's a long story. It's a long story. Okay, so-

• 1:32:49Speaker 03

  There is a story to this.

• 1:32:50Speaker 04

  All right. Listen to this.

• 1:32:55Speaker 06

  Tell me you're getting fees added at a 14.18% interest rate as well. Oh, principal balance, $64,378.9 cents. Why?

• 1:33:10Speaker 04

  He's got some vocals.

• 1:33:11Caleb Hammer?

  Explain.

• 1:33:12Speaker 04

  So.

• 1:33:13Caleb Hammer?

  I mean, sorry. It's okay. It's believed.

• 1:33:17Speaker 04

  All right. So essentially what happened was when we first got together, I had a fucked up truck that was in the shop. Right? I was borrowing a truck and I had mine was I had a Silverado and it was fully paid off, but it was a piece of shit, right?

• 1:33:30Speaker 06

  Okay, get to it. Why do you have to get a Grand Cherokee?

• 1:33:33Speaker 04

  After that truck, after the Silverado, I was like, I need a new truck for work. Has to be a truck because I haul shit sometimes. So I got a 20, like a 2015 Dodge Ram, whatever. It was like 20K.

• 1:33:45Caleb Hammer?

  We love it. Okay.

• 1:33:46Speaker 04

  Okay. 20K. Um, a couple of months later, the engine fucked up, transmission fucked up, everything fucked up. That truck went, when I called the insurance, I'm like, hey, man, because since it's a used vehicle, they gave it to me as is, whatever from dealership. So they were like, hey, we're not covering anything. You don't have warranty on it. So call your insurance. I called my insurance, asked me two questions. Did you hit something? No.

• 1:34:07Caleb Hammer?

  Yeah, it's insurance.

• 1:34:08Speaker 04

  Did you fucking, did something hit you? And I was like, no. They're like, all right, well, fuck you. Look.

• 1:34:12Caleb Hammer?

  Yeah, I agree.

• 1:34:13Speaker 04

  So, all right. I didn't know that. I thought they fucking covered anything.

• 1:34:16Speaker 06

  Insurance?

• 1:34:17Speaker 04

  Yeah, dude, it's if it has full coverage.

• 1:34:19Caleb Hammer?

  I already told them.

• 1:34:20Speaker 04

  If it has full coverage, you would expect it to be coverage.

• 1:34:24Speaker 06

  Continue.

• 1:34:25Speaker 04

  Okay. Point is, after that truck, I took it to the dealership to figure out what the fuck was wrong with it. It was the engine, transmission, some other shit was wrong with it. And so they're like, yeah, man, like they basically sold you a lemon, like it sucks.

• 1:34:38Caleb Hammer?

  I don't like, this is why I like having a car that doesn't have an engine, transmission, or any of that shit. Continue.

• 1:34:43Speaker 04

  But anyways, after that, I was like, okay, so what are my options? They're like, well, you can pay the repairs. It's like 15 grand. They're like, or, you know, you can trade it in. And I was like, well, I owe 20 on it. I was like, I'm not, I'm basically super upside down on it at this point because the truck is worth like a thousand bucks for junk. So they were like, you can get traded in.

• 1:35:04Caleb Hammer?

  Negative equity.

• 1:35:05Speaker 04

  I rolled over negative, negative equity.

• 1:35:07Caleb Hammer?

  What's the truck work worth? Oh, I have it. What do you think it's worth?

• 1:35:10Speaker 04

  The Jeep Grand Cherokee, it's worth like 28K now.

• 1:35:13Caleb Hammer?

  It's worth $27,000. You owe 64,378.9 cents. 15% interest rate, 1,450, and you're behind.

• 1:35:22Speaker 03

  Yep.

• 1:35:23Speaker 04

  Yeah.

• 1:35:23Caleb Hammer?

  What the fuck can we do? And then what's this? Is this another car? 2024 something?

• 1:35:27Speaker 04

  No, no, that's the RV.

• 1:35:30Speaker 04

  That's the RV.

• 1:35:31Caleb Hammer?

  So tell me about this R.

• 1:35:33Speaker 04

  So the RV was an agreement um that I made with my mom um because she was helping us out. So then she's all like, hey, by the way, I'm gonna be, you know, roaming around, I guess, the US or something. She was like, I need an RV so that I can live in, whatever. She was using it to live in because she has a ha- she has like a whole ranch in Mexico. So she'll come, when she comes here, um, she'll stay in that RV and then go back to back and forth from Mexico to here, right?

• 1:35:59Caleb Hammer?

  So you took out an 11% debt for her with a minimum payment of 54186?

• 1:36:03Speaker 04

  The idea was originally, she's like, you know, let's buy it, we'll go, you know, I'll pay you on it and then uh you it'll just be on your credit, but she'll pay it. What ended up happening was she had a little truck, like hand me down truck.

• 1:36:17Caleb Hammer?

  Oh!

• 1:36:18Speaker 04

  And she's all like, I'll give you my truck and you take over the payments. And I was like, alright, cool. So we took that truck and we sold it to have more money uh to kind of keep us, you know, afloat when she wasn't working. And then I ended up taking over the payments for the RV. So now we owe the RV.

• 1:36:34Caleb Hammer?

  What is wrong with you? This is, this is ridiculous.

• 1:36:37Speaker 04

  Bad plan.

• 1:36:37Caleb Hammer?

  You owe 21,543 dollars and 66 cents on it. Repo it.

• 1:36:43Speaker 04

  Well, she still lives in it.

• 1:36:46Caleb Hammer?

  So then no, oh, then, oh, where is it? You gotta tell her to get out of it and get it back in. You gotta tell her she can't live in it.

• 1:36:55Caleb Hammer?

  And you gotta voluntary repo.

• 1:36:57Speaker 04

  So she should, do I have to evict her?

• 1:37:00Caleb Hammer?

  Kind of, kind of, yeah. Yeah. Put her in hotels when she visits. It's cheaper to do that every once in a while.

• 1:37:10Speaker 03

  She kind of lives on both. She stays here for like two, three months and then goes back for like a month.

• 1:37:15Caleb Hammer?

  She can't live at home with you guys when she's here?

• 1:37:17Speaker 04

  No.

• 1:37:17Caleb Hammer?

  Be a grand.

• 1:37:18Speaker 04

  She's a free spirit. She's a.

• 1:37:20Speaker 03

  Energy.

• 1:37:21Speaker 04

  You remember that uh, you remember that lady I had on here with the energies and the tarot cards and?

• 1:37:26Caleb Hammer?

  I think so.

• 1:37:26Speaker 04

  That's basically her. I could have been, it's almost like I was watching my mom.

• 1:37:30Caleb Hammer?

  You trusted to go into debt for that person?

• 1:37:33Speaker 04

  Well, she helped us out a lot. She did help us out a lot.

• 1:37:35Caleb Hammer?

  Financially?

• 1:37:36Speaker 04

  She, she helped us pay for my daughter's daycare when we didn't have enough. She would pay us like half the payment or something.

• 1:37:41Caleb Hammer?

  Yeah, but that doesn't mean going into a debt. Maybe offer to put money down or something.

• 1:37:44Speaker 04

  Like also whenever we're trying to get.

• 1:37:46Caleb Hammer?

  Late charges, of course. Oh, for god's sake.

• 1:37:48Speaker 04

  Yeah.

• 1:37:49Caleb Hammer?

  Let's keep going, cuz my gas. Okay, Mr. Cooper, this is a mortgage.

• 1:37:53Speaker 04

  Yes.

• 1:37:55Caleb Hammer?

  Oi, oi, oi.

• 1:37:57Speaker 04

  See, it's cheaper than the apartment.

• 1:38:00Caleb Hammer?

  Uh, yes, but we, if I went apartment shopping for you, I guarantee I could find something cheaper.

• 1:38:04Speaker 04

  Yeah, but is it nice?

• 1:38:06Caleb Hammer?

  Potentially!

• 1:38:07Speaker 04

  No!

• 1:38:07Caleb Hammer?

  But it's not!

• 1:38:08Speaker 04

  No, no! Well, shut the fuck up!

• 1:38:10Caleb Hammer?

  Dude, we're fucking- Shut the fuck up in the entire Houston area?

• 1:38:12Speaker 04

  Yes! Dude.

• 1:38:13Caleb Hammer?

  No, I know housing!

• 1:38:16Speaker 04

  Oh, really?

• 1:38:18Caleb Hammer?

  Yes!

• 1:38:23Speaker 06

  You're so ugly, shut up, dude.

• 1:38:26Speaker 04

  It's worth more than that now, we got the valuation estimate.

• 1:38:29Caleb Hammer?

  Valuation via who?

• 1:38:31Speaker 04

  A Mr. Cooper.

• 1:38:33Caleb Hammer?

  Uh, no, I have Mr. Cooper as well, no, I don't care about that, this is mine.

• 1:38:39Caleb Hammer?

  Okay, so you owe a total of...

• 1:38:41Speaker 04

  Two hundred and something.

• 1:38:45Caleb Hammer?

  What the fuck is the balance?

• 1:38:47Speaker 04

  Last night checked.

• 1:38:48Caleb Hammer?

  Uh, 7%, right, don't love that, oh, here we go. Two hundred and eighteen thousand-

• 1:38:52Speaker 04

  Is it 7%? Dude, I thought it was 675.

• 1:38:55Caleb Hammer?

  Dude, round it up by a percentage, a .1 percentage gets it as 7. I mean, it does, but, yeah, two hundred and eighteen thousand, seven hundred and forty-one dollars and eighty-nine cents.

• 1:39:08Caleb Hammer?

  Minimum monthly payment. By the way,

• 1:39:13Caleb Hammer?

  as ranks can go up and down, this will only ever go up cuz property taxes will only ever go up. One thousand, seven hundred and sixty-six dollars and twenty-one cents. You could refinance to a lower rate, that might make it go down.

• 1:39:22Speaker 04

  Homestead exemption, whatever.

• 1:39:23Caleb Hammer?

  If you sold it today, I mean, you have an equity position of about five thousand hours, if you sold it today, you'd lose money, so, this is not great.

• 1:39:31Caleb Hammer?

  Easy as that.

• 1:39:31Speaker 04

  That's today, but what about like in March?

• 1:39:33Caleb Hammer?

  Oh.

• 1:39:34Speaker 04

  Whenever the new year comes in, you see what I'm saying? Cuz they're building a bunch of shit nearby.

• 1:39:38Caleb Hammer?

  They're building shit everywhere, it's just, every metro region in Texas is growing and building. That means-

• 1:39:44Speaker 04

  Therefore, we can only win.

• 1:39:45Caleb Hammer?

  Therefore, that is not true, you're literally would have to write a check for about ten thousand hours if he closes today. If you sold it today, you'd have to write a check for ten thousand hours. It has gone down in value.

• 1:39:57Caleb Hammer?

  Uh, since, yeah, middle of this year, it's gone up at the beginning of the year, now it's gone down. Yeah, this is not, this is a really stupid thing to do, guys. Really stupid thing to do.

• 1:40:11Speaker 04

  I don't think so. We have a pretty nice house.

• 1:40:13Caleb Hammer?

  Objectively, yes. No, I mean, it's, it's fine. It's a small little ranch house. It's fine. Definitely on the far edge of Houston.

• 1:40:21Speaker 04

  The far, far edge?

• 1:40:22Caleb Hammer?

  Yeah.

• 1:40:23Speaker 04

  It's all the way the middle of nowhere.

• 1:40:26Caleb Hammer?

  Yeah, which is extra stupid because there's no work there. Makes no sense.

• 1:40:31Speaker 03

  Yeah.

• 1:40:32Caleb Hammer?

  Well, remember with the rent that is comparable to this in civilization comes with jobs that pay money that you're close to. Okay, student loans, who, who got the student loans?

• 1:40:43Speaker 03

  He did.

• 1:40:44Speaker 04

  I did. So she...

• 1:40:46Speaker 03

  I was able to pay mine.

• 1:40:47Speaker 04

  She was able...

• 1:40:48Caleb Hammer?

  You finished yours?

• 1:40:49Speaker 03

  Well, I finished school without having getting any loans.

• 1:40:51Caleb Hammer?

  Okay, what's your, what, what did you do?

• 1:40:53Speaker 04

  I got loans, um...

• 1:40:57Caleb Hammer?

  For what?

• 1:40:57Speaker 04

  I got loans for my degree. I have a bachelor's in safety management.

• 1:41:00Caleb Hammer?

  There you go, that's...

• 1:41:02Speaker 04

  So I got a bachelor's, but...

• 1:41:03Caleb Hammer?

  Yeah, that's good.

• 1:41:04Speaker 04

  Basically...

• 1:41:05Speaker 03

  I mean, it could have been paid off if you didn't have to pay somebody.

• 1:41:08Caleb Hammer?

  I mean, it's fine. You got a good return on investment. You make good money. I'm not complaining about this.

• 1:41:11Speaker 04

  Yeah.

• 1:41:11Caleb Hammer?

  And it's federal student loans anyway.

• 1:41:12Speaker 04

  It was a kind of a stupid thing because I could have paid my college.

• 1:41:16Caleb Hammer?

  Could have if you didn't, whatever. Twenty-six thousand, eight hundred, twenty-seven dollars and seventy-one cents. Your payment plans, uh, oh, regular's one eighty-seven, thirty-six.

• 1:41:25Speaker 04

  Yeah, something like that.

• 1:41:29Caleb Hammer?

  Okay, and it's federal, so I'm not freaking out about it. I'll minimum payment until it's paid off.

• 1:41:33Speaker 04

  I think it's all like, what, subsidized, right? All the subsidized student loans?

• 1:41:37Caleb Hammer?

  You might have some unsubsidized, let's see.

• 1:41:39Speaker 04

  I don't even know, dude.

• 1:41:40Caleb Hammer?

  I can't. You know, the statement's not great, so I don't know. Okay, either way.

• 1:41:47Caleb Hammer?

  Is there seriously more? No, what is this?

• 1:41:50Speaker 04

  Is there more? No, dude, that's my, that's my 401K.

• 1:41:52Caleb Hammer?

  I was standing low balance.

• 1:41:53Speaker 04

  Yeah, so I had a loan from my 401K. So.

• 1:41:57Caleb Hammer?

  Collecting it all.

• 1:41:58Speaker 04

  Again, it was a survival. No, the, the, the deposit that I deposited every check is like 50 bucks.

• 1:42:06Speaker 04

  Well, it gets, it gets deducted from the balance.

• 1:42:08Caleb Hammer?

  Yes, it would be called due and then everything you've been growing will get. It's so stupid.

• 1:42:14Speaker 04

  I mean, I have more in there than.

• 1:42:16Caleb Hammer?

  You have 1,002, yeah, cuz, well, first of all, first of all, what it's worth, you've probably borrowed close to everything you've put in outside of employee contributions. You can't borrow from employee contributions. Um, so, but the debt is 1,227 dollars and 36 cents. Retirement accounts are about, um, almost five.

• 1:42:34Caleb Hammer?

  Just under five. Um.

• 1:42:38Speaker 04

  So the cool thing.

• 1:42:39Caleb Hammer?

  Risky. The cool thing, yeah.

• 1:42:41Speaker 04

  Well, I was gonna say, addition to that, we also have, uh, like, I guess, part of the company, right? Is, uh, the employee stock stuff.

• 1:42:48Caleb Hammer?

  Checking accounts are negative 930.

• 1:42:51Speaker 03

  Which one's that one?

• 1:42:52Speaker 04

  Negative 30 cents.

• 1:42:54Caleb Hammer?

  Negative $9.30.

• 1:42:56Speaker 04

  I couldn't see, I don't have my glasses.

• 1:42:57Speaker 03

  That's our junk account?

• 1:42:58Speaker 04

  Yeah.

• 1:42:59Speaker 03

  Oh, that's why.

• 1:43:00Caleb Hammer?

  I took over the finances, she said.

• 1:43:04Speaker 03

  I mean, if.

• 1:43:04Caleb Hammer?

  Oh, you took out a hardship loan less than two weeks ago for $700, so it's not listed. On your 401K?

• 1:43:09Speaker 04

  Yeah. We needed to make the payment, so we didn't go late. I didn't, my whole thing was, I don't wanna go 30 days late on the car payment, so we took it out.

• 1:43:18Speaker 03

  No, you took it out for the RV cuz you're behind on the RV.

• 1:43:22Speaker 04

  That's right. That's what that was.

• 1:43:24Caleb Hammer?

  And then we. Possession would barely even help you on the Cherokee cuz they wouldn't be able to sell it for much.

• 1:43:28Speaker 04

  Exactly.

• 1:43:30Caleb Hammer?

  That's insane, okay, and then negative on the checking account? She didn't even know this, she took over the. Chick, and you, since we're negative, since we're negative, we're getting Chick-fil-A, Shipley Donuts, there it is. There's a fee, there's a fee, bull, nothing, bunt cake, nothing, bunt cake, Pizza Hut, Food Truck, El Tree, McDonald's, McDonald's, went in the bull store and got some bull, Ariana's Bakery, we affirmed, made an affirmed payment, grill, uh, egg up grill. picks up grill, Lily, parking, little Aang. Affirm, affirm, ATM withdrawal, who knows where the that went, tacos at Toro.

• 1:44:06Caleb Hammer?

  Eggie barbecue joint, selling on money, it's all bull, check in the box, we have a child, this is disgusting, you're negative, you're checking account, what a joke. Little Monica, affirm, retrying payment on something, great, that's wonderful for your Home Depot card. Something, you got something at a Plaza, sawdust, restaurant, Starbucks, premier catering again, whatever that is, little Monica. Uh, twenty dollars to, oh, Easy Tag, you're taking tolls, affirm, going in and getting some bullshit from the gas station again, gamer stuff's cheaper. Twenty-five cents a serving, and it tastes better, I promise. One feels chocolate, you can make yourself one of those servings, take it, dude, they're free. What a joke, overdrafts up the dick, just stupid, stupid, bull, dumb.

• 1:44:48Caleb Hammer?

  I don't even know. Let's just see if this is even possible, because that's the big question at this point.

• 1:44:53Speaker 03

  I mean.

• 1:44:54Caleb Hammer?

  So we do eat, we did eat out a lot before.

• 1:44:59Caleb Hammer?

  No, I don't want to hear this. This is what, this is, this just happened. Total income is good, nine thousand nine hundred twenty-three. Minimum monthly debt payments, let's get this. Oh, you don't have any, you guys, what did you put down on the house? It was not much, it was like. Okay, three, so, so far you're underwater, actually, on the house. Okay, minimum monthly payments outside of mortgage is three thousand twenty-five thousand eighty-seven. When'd you get the house? July of twenty-three.

• 1:45:27Caleb Hammer?

  Okay, and your mortgage, one thousand seven hundred sixty-six dollars and twenty-one cents. Gas, electric, utilities, internet, all that combined, about how much? I know it fluctuates, but. Like utilities? Utilities and internet all combined, how much? Probably like, what, four hundred bucks, maybe? Okay, four hundred bucks, phone bill? Just ninety, whatever you pay.

• 1:45:50Speaker 03

  Yeah, uh, sixty.

• 1:45:52Caleb Hammer?

  Sixty, that's not bad, it's something like helium. Yeah. We have, okay, that's good. We like helium, fifteen bucks a line for the T-Mobile service, we like that. Uh, transportation, okay, so gas, from, from, drive, drive.

• 1:46:02Speaker 03

  About almost eighty dollars.

• 1:46:05Caleb Hammer?

  A month?

• 1:46:06Speaker 03

  Oh, no, a week, I'm sorry. I was thinking a week.

• 1:46:08Caleb Hammer?

  So three twenty a month? Yeah. Car insurances?

• 1:46:12Speaker 04

  Uh, we pay-

• 1:46:13Speaker 03

  One twenty-five.

• 1:46:15Speaker 04

  Is it one twenty-five?

• 1:46:16Speaker 03

  Yeah.

• 1:46:16Speaker 04

  Yeah, one twenty-five.

• 1:46:18Caleb Hammer?

  Okay, groceries, we should be able to do for the two-year-old. Two-year-old's off the tit, right? I think?

• 1:46:23Speaker 04

  No.

• 1:46:24Caleb Hammer?

  Two-year-old's on the tit?

• 1:46:24Speaker 03

  No, no. You're saying tit, right? She eats food. Milk and food.

• 1:46:30Speaker 04

  Yeah, we have to buy for three.

• 1:46:31Caleb Hammer?

  Oh, my gosh. Seven hundred bucks should be fine.

• 1:46:34Speaker 03

  I was gonna say less.

• 1:46:35Speaker 04

  That's a lot, yeah.

• 1:46:36Caleb Hammer?

  Two hundred dollars, TP- Oh, yeah, six hundred for groceries should be fine.

• 1:46:39Speaker 03

  I typically do-

• 1:46:39Caleb Hammer?

  I was being generous.

• 1:46:40Speaker 03

  Six hundred.

• 1:46:41Caleb Hammer?

  Okay, TP fund, anything else you need to survive? Tampons, toilet paper, all the good stuff, toothpaste, things for the kid, that's what you got. Diapers, blah, blah, blah, blah, blah, two hundred. Actually, I'll say two fifty. Two fifty, medical health care, any copays on a monthly basis.

• 1:46:52Speaker 04

  Twelve fifty, cuz that fee-

• 1:46:53Caleb Hammer?

  Twelve fifty. Subscriptions, let's see if I can budget in twenty-five even. Do you have any pets? You mentioned pets before, what do we have?

• 1:47:01Speaker 04

  We had a shit, but now we're down to just a turtle, a an immortal Mexican chihuahua, and a cat.

• 1:47:12Speaker 03

  Yes.

• 1:47:12Caleb Hammer?

  What's the cat age in health?

• 1:47:14Speaker 04

  He's like four or five months.

• 1:47:16Speaker 03

  Yeah.

• 1:47:16Caleb Hammer?

  Oh!

• 1:47:16Speaker 04

  So he's, yeah.

• 1:47:17Caleb Hammer?

  Okay, pet insurance on the cat, fifty bucks. How much for pet food and pet maintenance on a monthly basis?

• 1:47:21Speaker 04

  What, fifty bucks, maybe?

• 1:47:23Caleb Hammer?

  Okay, anything else that needs to be in your budget that I have not taken into account?

• 1:47:26Speaker 03

  Mm-mm.

• 1:47:28Caleb Hammer?

  Okay. Man, this is all love.

• 1:47:31Speaker 04

  Did you include the RV payment?

• 1:47:32Caleb Hammer?

  Yeah, that's in the debt.

• 1:47:33Speaker 04

  Cuz we missed that, like, last time. We did a whole plan and forgot.

• 1:47:38Speaker 03

  But you didn't mention it.

• 1:47:39Caleb Hammer?

  It's your consistent plans. They're always so-

• 1:47:42Speaker 04

  Damn right.

• 1:47:43Caleb Hammer?

  Slam. Okay, I mean, you guys have room, seven hundred, seven thousand, cuz you guys have an incredible income. Again, this was not an income issue. This is not an income issue, even before you got this new job, it is not an income issue. You got an extra two thousand dollars a month. I'm gonna give you five hundred dollars in fun, so that you can maintain this situation. Let's call it five thou- a thousand five hundred dollars left a month, okay? Five hundred hours of fun gets you some good shit and I don't oftentimes get the chance to do that. So 357,085.52 total debt. Let's minus the mortgage of 218,741 dollars and 89 cents and also minus the student loans of 26,931 dollars and 45 cents.

• 1:48:28Caleb Hammer?

  Brings us to a total debt of 111,412 cents, uh, 412 dollars and 18 cents of bad, bad, bad, bad, bad, bad debt. A thousand 500 dollars a month. Pay this off in 72 months is chunky, but um, six years? No, I don't think you have to do bankruptcy because we're giving you a good fun budget. You're able to maintain. You're working a lot. You're getting pay raises. Once you're able to take up more shifts at work, you do. And obviously by the time the kid will be in elementary school, well before this is finished, you know, halfway into this process. So your income will be substantially boosted. I think you guys pay it off in five years. Sassy black woman was incorrect. I don't think you need to do bankruptcy.

• 1:49:05Speaker 04

  She didn't make me feel.

• 1:49:06Caleb Hammer?

  Sassy white boy says no. Sassy white boy says no. I think five years to pay this off and it's not that bad, guys. It's not that bad.

• 1:49:14Speaker 04

  It was really funny though.

• 1:49:15Caleb Hammer?

  And then you get a fully funded emergency fund and then we really need to catch back up on retirement. I think we do for a little bit at least 50% on needs, 25% to fund, which is a substantial amount of money, the income you guys have, and 25% to catch up on retirement. Okay. Join us in the post show. Colton's saying we got some juicy stuff to talk about. I don't know what it is yet, but let's get the hammer financial score first. Spending in a budget. You actually technically underspent on this last month, but you also weren't putting your money towards debt because payments were failing and you were overdrafting. It didn't make sense. So it's still with the overdraft, zero out of 10. Debt, it's horrendous. I mean, just straight up, it's horrendous. There's no collections or IRS debt, so one out of 10. But uh, emergency fund, soon the debt will be zero out of 10 once medical

• 1:49:58Caleb Hammer?

  goes to collections. Emergency fund, there's nothing, zero out of 10. Retirement, you withdrew, you borrowed against 401k loan. Okay. At least there's, I'll give a one out of 10, generous. Real estate, it's not going to be great. At least you're in the market, but you would lose money today. You have a navigate, you've lost money since you put it in and as I, and you've only put more money into the house anyway with the spending you've done. Three out of 10.

• 1:50:21Caleb Hammer?

  Hammer Financial Score, I mean, yeah, 1 out of 10.

• 1:50:24Speaker 04

  That was right.

• 1:50:25Caleb Hammer?

  1 out of 10. Guys, click that join button, get 3 premium shows posted every single day, Monday through Friday in Hammerly, including an extra 20 minutes of every Financial On An episode, including this episode where we got some really juicy stuff to talk about. I'll see you guys there. Bye bye. But apparently, since you submitted documents to come on the show, you've built up balances on your credit card.

• 1:50:43Speaker 04

  Miss in charge of our finances.

• 1:50:45Caleb Hammer?

  Capital One, Carter's, TJ Maxx, what the? Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. 3 exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise.

• 1:51:08Speaker 07

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