No F*cking Way | Financial Audit

🍿 WHATTTTTTTT- she just opened a *NEW AFFIRM* before filming for TIKTOK SHOP AGHJHHHH- you need to see this post show, watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join 💵📱Download the *DollarWise Budgeting App* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. *AND REMEMBER* those who sign up for DollarWise Premium *annual* get a signed version of the Cook Book, just submit proof of purchase here: https://tally.so/r/3xzPq5 💸🤑💰 *FREE TRIAL* To make our classes and budgeting app *more affordable*, we bundled them together for an *80% DISCOUNT* and for this month only, you can try DollarWise Central for *free* - check it out here and change your life: https://dollarwise.com/dollarwise-central/ 🔋⚡🥤🔋 *STOP SPENDING $4 ON BS ENERGY DRINKS* Gamersupps tastes better and costs only *$00.25 per serving* - use my link, and save 10% https://gamersupps.gg/caleb and if you want *FREE SAMPLES* to test, just type in code CALEB ___________________________________________ ▶SPONSORS: Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 ___________________________________________ ▶EDUCATION: 1. Get your own free Hammer Financial Score: https://www.calebhammer.com 💸🤑💰 2. Get all of my educational programs for a much lower cost here, including the premium version of my budgeting app: https://dollarwise.com/dollarwise-central/ 💸💸💸💸 ___________________________________________ ▶RESOURCES 💵💸🤑💰💲👩🏻‍💻📓✍🏻💡 1. *I'VE MOVED MY INVESTMENTS TO WEBULL* do the same and transfer to my investing app of choice here: https://www.webull.com/k/Caleb and you get: *Cash bonus of $200 - $30,000* depending on initial funding amount, up to 8.1% APY, and up to 3.5% IRA Match. 2. Checking & Savings: Get up to $500^ before payday when you sign up and set up direct deposit. No credit check. No interest*. No mandatory fees: https://clickurl.ca/caleb-mypay 3. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer 4. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 5. The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 6. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/ 7. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 8. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ___________________________________________ Chapters: 00:00 Intro 07:33 she said the thing! 24:00 correlation?? 38:33 *pretends to be shocked* 51:35 W justification 01:12:10 thats ridiculous lol ___________________________________________ ▶More Content 🍿🎥📺🎞️🎬 1. Financial Audit Follow-Ups here: https://www.youtube.com/@financialauditfollowups 2. Caleb Hammer Livestreams: https://linktr.ee/calebhammerlive 3. Livestream Cutdown VODs: https://www.youtube.com/@livecalebhammer ___________________________________________ ▶EXTRA 1. My socials: https://stan.store/calebhammer 2. Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply ___________________________________________ ▶*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. ▶Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Speaker 00

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• 0:30Speaker 01

  Welcome to the 50th Hunger Games.

• 0:32Speaker 02

  Witness the beginning of the revolution.

• 0:34Speaker 01

  Hey Mitch, you've been trying to take down these games from the start.

• 0:37Speaker 02

  Filmed for IMAX.

• 0:38Speaker 01

  Make them remember you.

• 0:41Speaker 02

  The Hunger Games: Sunrise on the Weeping, November 20th, rated P13.

• 0:45Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. Are you acting like an insufferable [BLEEP]? Oh my [BLEEP], within the last year she has affirmed $700 of La Boo Boo's. What a joke. You should be embarrassed. I'm embarrassed for even having that happen on my own show. Quicksilver card.

• 1:02Speaker 01

  That one... may have been for a purchase.

• 1:11Caleb Hammer?

  Sign up for the new and improved Dollar Wise Budgeting app. Take the free trial and if you like it, sign up for the annual version to save a ton of money and get my budget-friendly cookbook signed by me and mailed directly to you. And for a limited time only, if you want to bundle all of my educational programs together with the Budget app, join Dollar Wise Central and save 80%. Take the trial and learn more at dollarwise.com.

• 1:33Speaker 01

  Hi, my name's Farrah. I'm 27 years old from... ugh, sorry. Hi, my name's-

• 1:39Caleb Hammer?

  Are we choking? I'd be choking if I spent 16% of my money on fast food as well.

• 1:47Caleb Hammer?

  Where are you from?

• 1:48Speaker 01

  New Orleans, Louisiana.

• 1:49Caleb Hammer?

  And this is Financial Audit.

• 1:52Caleb Hammer?

  Just want to make sure you're alive so you can make it through this. It was a little light, and I'm from...

• 1:59Caleb Hammer?

  So, okay.

• 2:02Caleb Hammer?

  What are you doing Louisiana for a living?

• 2:04Speaker 01

  I am a patient access rep at a pediatric specialty office.

• 2:09Caleb Hammer?

  Okay, sure. What does that make? What do you make?

• 2:12Speaker 01

  Um, fifteen ninety-five an hour.

• 2:13Caleb Hammer?

  Yee. Now, Louis, New Orleans, not one of the more expensive cities, declining population has been since a very long time. Katrina definitely puts it over the edge.

• 2:23Speaker 01

  Yeah.

• 2:24Caleb Hammer?

  Okay, so I don't know how fifteen stretches there. I'll be completely honest, in a lower income city, lower cost of living city, how you living? How many, wait, before you answer that, how many hours a week are you working?

• 2:34Speaker 01

  Forty.

• 2:35Caleb Hammer?

  Okay. What hits your account on a monthly or biweekly, whatever your thing is?

• 2:40Speaker 01

  Around nineteen hundred.

• 2:42Caleb Hammer?

  Okay. How you doing? Nineteen hundred in Louisiana?

• 2:46Speaker 01

  Not, not good.

• 2:47Caleb Hammer?

  No?

• 2:48Speaker 01

  No.

• 2:48Caleb Hammer?

  I'm gonna need a little more than that on a podcast.

• 2:53Speaker 01

  Um, it's not enough to survive.

• 2:57Caleb Hammer?

  Why don't you go get a different job?

• 2:59Speaker 01

  I like what I do and I like the company I work for.

• 3:03Caleb Hammer?

  But you can't survive. What comes first? Survival or liking the company we work for? Preferably, we can match both together, but when one is not happening, the one we're choosing to happen over the other is survival.

• 3:18Speaker 01

  I feel like I should enjoy my job.

• 3:22Caleb Hammer?

  Sure. I agree. I would like you to. Should, entitled to, I wouldn't say so. You prefer that over working?

• 3:31Speaker 01

  No, there, there was an opportunity for me to get like a leadership position, but...

• 3:38Caleb Hammer?

  Which would have come with what pay?

• 3:40Speaker 01

  That wasn't disclosed.

• 3:41Caleb Hammer?

  And what was the opportunity of which it did not take hold?

• 3:45Speaker 01

  Um.

• 3:45Caleb Hammer?

  And why?

• 3:46Speaker 01

  So I would have basically been like the leader of all of the patient access reps. So over about maybe six or seven people. Um, and they ended up going with someone else.

• 3:58Caleb Hammer?

  Okay, so you did not have an opportunity?

• 4:02Caleb Hammer?

  There was an opportunity that you tried, but it was not yours.

• 4:06Speaker 01

  My manager made it seem like it was in the bag for me.

• 4:10Caleb Hammer?

  Well, instead, now you gotta put the fries in the bag because it didn't work out. I'm sorry. That is the reality. Listen, I would love you to get a promotion. That'd be great. Okay, I'm glad I got I'm glad you like your job. Let's pretend there are two pillars here.

• 4:24Speaker 01

  I'm not doing that bad. It just looks bad on paper.

• 4:28Caleb Hammer?

  You said you're struggling to survive. I'd say that's bad in paper and in person.

• 4:32Speaker 01

  I feel like I've gotten a little bit better lately.

• 4:36Caleb Hammer?

  Okay, that's what everyone says. Oh.

• 4:38Speaker 01

  It's the truth.

• 4:39Caleb Hammer?

  That's what everyone says on this show. If that's the truth, then.

• 4:47Speaker 01

  I feel like most of those are just payments and interest.

• 4:50Caleb Hammer?

  Okay.

• 4:53Caleb Hammer?

  We giggle at everything. Every sentence we say.

• 4:56Speaker 01

  Yeah.

• 4:56Caleb Hammer?

  We giggle at.

• 4:57Speaker 01

  Yep.

• 4:57Caleb Hammer?

  Okay. Let's pretend there's two pillars in the job world, okay? It's New Orleans, so it's safe, okay?

• 5:05Speaker 01

  New Orleans is not safe.

• 5:08Caleb Hammer?

  Well, for these two. This is enjoying our job. This is survival. I would like them both to exist. But if we gotta crash into one of them and bring it down.

• 5:21Caleb Hammer?

  It's the enjoyment because survival is more important.

• 5:25Caleb Hammer?

  I prefer both, but you have to choose survival.

• 5:29Speaker 01

  Why do I have to, though?

• 5:30Caleb Hammer?

  Because if you're not surviving, then you don't show up to the job at some point. Then you don't have a place to live. You don't have food. What do you mean? Why would I have to?

• 5:40Caleb Hammer?

  How? Explain that logic to me.

• 5:42Speaker 01

  I mean, I enjoy my job and I'm the best at my job. I'm not getting fired anytime soon.

• 5:47Caleb Hammer?

  Which is why you got promoted.

• 5:50Speaker 01

  They, my manager told me she felt like because I was already like, like I already knew all of the other patient access people that it would be difficult for me to like suddenly become a manager over them.

• 6:05Caleb Hammer?

  That's some cope.

• 6:08Caleb Hammer?

  That is cope. If you were the best for the job, you would have gotten the job.

• 6:11Speaker 01

  I mean, I feel that way too, but.

• 6:13Caleb Hammer?

  Yeah. So maybe you appreciate the company, but they don't appreciate you. Meaning, oh, we look for a different job. Is where that goes traditionally.

• 6:22Speaker 01

  Actually did leave this job for like three months and then went back.

• 6:25Caleb Hammer?

  What were you doing in that three months?

• 6:27Speaker 01

  I was a case coordinator for a pediatric home health company.

• 6:30Caleb Hammer?

  What did you make?

• 6:32Speaker 01

  Sixteen fifty an hour.

• 6:34Caleb Hammer?

  Okay, a little bump.

• 6:35Speaker 01

  Yeah.

• 6:36Caleb Hammer?

  Percentage wise decent, but.

• 6:38Speaker 01

  The insurance was way better.

• 6:40Caleb Hammer?

  That's good.

• 6:41Speaker 01

  I didn't enjoy it though, so I left and went back.

• 6:44Caleb Hammer?

  Were you able to make more of a survival during that?

• 6:46Speaker 01

  My living situation was different at the time. So yes.

• 6:49Caleb Hammer?

  Okay. Why not put your living situation back to that then? Obviously that's not the situation that.

• 6:53Speaker 01

  I don't want to be in that situation again.

• 6:55Caleb Hammer?

  Okay. Well, it's all I want with you. I just want to pick.

• 7:00Speaker 01

  I haven't got it in like five minutes. Don't make that face.

• 7:02Caleb Hammer?

  Uh, we've been filming for six.

• 7:04Speaker 01

  Can you even see?

• 7:05Caleb Hammer?

  You look better.

• 7:08Speaker 01

  I'm gonna take mine off too then.

• 7:10Caleb Hammer?

  So why in your entire life, everything we're doing here? Is you just choosing what's a little more pleasant? Cause what ends up again, if it's the, we're not able to live pillar that doesn't exist. Life will not be pleasant across the board. You might enjoy the job you go to, but if you get evicted, if you lose a housing situation, if you're in high interest debt forever, you can't make your payments, your credit substantially. You need to borrow for whatever reason with a car or whatever. At some point you're not able to qualify for anything other than predatory. Maybe you take out payday loans. Maybe you start getting a cash advance cycle of death.

• 7:46Caleb Hammer?

  That's not a good life. I would say that would then outweigh not having the job we absolutely love. Now again, I am not saying I don't want you, want you to be in a job you love. I am not saying that. I want both to be there. But you have to choose survival over that.

• 8:01Speaker 01

  My.

• 8:02Caleb Hammer?

  Or, or if you're working 40 hours a week and you want to continue that, that's fine. You gotta go work a second job.

• 8:07Speaker 01

  My issue isn't my income. I just like to spend money on things that I don't need.

• 8:12Caleb Hammer?

  Okay. Well then, um, the solution would be, uh, I want to, I want to make sure I want to confirm. Oh yeah. It's, don't do that, you dumb.

• 8:23Speaker 01

  That's why I'm here.

• 8:26Caleb Hammer?

  So I'm able to just make you not spend money? I'm able to make you not spend 20% of your spending, which is spending more than you bring in on fast food. I'm able to do that for you?

• 8:36Speaker 01

  You?

• 8:36Caleb Hammer?

  I go there, I hold your hand, I ride the fucking streets of New Orleans on my tubas and whatnot, and I'm making you not spend money? I'm there.

• 8:48Speaker 01

  I feel like you yelling at me is gonna engrain it in my head.

• 8:51Caleb Hammer?

  Listen, whatever kinks you have is fine, I'm not judging, but I am not able to be the shift. I'm able to tell you what's a good way to do it, but if you already recognize what the problem is, yet you are not out there doing the fix that is necessary, what the can I do?

• 9:06Speaker 01

  It's hard.

• 9:07Caleb Hammer?

  It's hard. Oh, good. Guys, it's hard. It's hard!

• 9:12Speaker 01

  I want things. I wanted a La Boo Boo.

• 9:15Caleb Hammer?

  Okay, great.

• 9:16Speaker 01

  Do you wanna see it?

• 9:17Caleb Hammer?

  Nope, don't give a Alright, here comes a non-consensual La Boo Boo.

• 9:22Speaker 01

  Look at it.

• 9:22Caleb Hammer?

  Great, you got the most boring one. It's gray.

• 9:25Speaker 01

  At least it's better than this one sitting. I'm like, what'd he say fuck me for? I'm standing.

• 9:29Caleb Hammer?

  Let's put it away. Let's put it away, cuz

• 9:31Speaker 01

  Do you wanna see Piplop?

• 9:32Caleb Hammer?

  I don't care about this. That's not even a La Boo Boo. That's, that's nothing. No one knows what that is.

• 9:38Speaker 01

  It's Piplop.

• 9:40Caleb Hammer?

  Alright, she's a child. That's great. I'm glad we're establishing this. Wonderful, and that vibes with your attitude of, "Oh, I'm picking my job I like over being able to survive. Oh, I want things and I'm not able to cut it back, and I need you to hold my hand." Yeah, you're never gonna do anything, are ya? You're never gonna be successful, are ya? You're just a child. Like, what the even was that little fucking stunt you just did? What a joke.

• 10:04Speaker 01

  I

• 10:05Caleb Hammer?

  It's embarrassing. You should be embarrassed. I'm embarrassed for even having that happen on my own show.

• 10:10Speaker 01

  I'm embarrassed every day.

• 10:12Caleb Hammer?

  You should be.

• 10:13Speaker 01

  I am.

• 10:13Caleb Hammer?

  Good.

• 10:14Speaker 01

  Great.

• 10:15Caleb Hammer?

  Whenever I'm embarrassed, I usually change the thing that is embarrassing me. Why are you incapable of change or anything, or any progress or maturity?

• 10:24Speaker 01

  Because I'm a child. Like you said.

• 10:26Caleb Hammer?

  I mean, what the even is that answer? Obviously, that is what I'm saying you're acting like, but you're just gonna sit there and say you're a child? What can I do then? Like, okay, then go. Lay in your crib. The conversation's done.

• 10:35Speaker 01

  Are you gonna give me a pacifier?

• 10:40Caleb Hammer?

  What the are you doing?

• 10:41Speaker 01

  I'm just here.

• 10:43Caleb Hammer?

  For what reason?

• 10:45Speaker 01

  I do want help to try to figure out my finances.

• 10:50Caleb Hammer?

  Why are you acting like an insufferable?

• 10:54Caleb Hammer?

  Yeah, Google that away. Cope that Google. Go for it.

• 10:59Caleb Hammer?

  Like, what the are we doing? Dude, you're acting like a

• 11:04Speaker 01

  That's not my intention.

• 11:05Caleb Hammer?

  What? What is your intention then, right now?

• 11:08Speaker 01

  I genuinely want your help.

• 11:10Caleb Hammer?

  What does that help look like to you?

• 11:12Speaker 01

  I budget. Like, I

• 11:15Caleb Hammer?

  You budget?

• 11:16Speaker 01

  I do.

• 11:16Caleb Hammer?

  Great. Tell me how much you spent last month.

• 11:18Speaker 01

  More than I made.

• 11:20Caleb Hammer?

  Tell me how much you spent that last month. You budgeting professional queen.

• 11:24Speaker 01

  Like, twenty-four hundred.

• 11:26Caleb Hammer?

  Twenty-eight. So you don't even know that. Then you bring in nineteen.

• 11:29Speaker 01

  It was close.

• 11:30Caleb Hammer?

  Kind of percentage-wise, not really, but okay.

• 11:34Speaker 01

  It was around that ballpark.

• 11:36Caleb Hammer?

  Sure, I guess. Unless in the median average hourly wage in New Orleans is twenty-eight, you're substantially under that. You're you're in you're in the beyond lower category of paid. And you're like, oh, because I enjoy my job, that's okay? There's other jobs you enjoy that you might get paid more that you might have to stick out a job you don't like for a bit to gather experience or move up in a company. You think there's only one job that's enjoyable in this world?

• 12:02Speaker 01

  No, but I would like to see what opportunities I do have in this company.

• 12:08Caleb Hammer?

  Oh, you bought a budgeting chart from Etsy. Okay, so that's your

• 12:11Speaker 01

  Yeah.

• 12:12Caleb Hammer?

  Okay. Sorry, what were you saying?

• 12:13Speaker 01

  I want to see how I can grow in the company that I'm with right now.

• 12:17Caleb Hammer?

  Okay, that company denied you growth.

• 12:20Speaker 01

  In that area.

• 12:25Speaker 04

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• 12:56Speaker 01

  There's other areas of the company.

• 12:58Caleb Hammer?

  Then why haven't you done it?

• 13:00Speaker 01

  Because I need help from my management.

• 13:03Caleb Hammer?

  Okay, you need help from everyone except for yourself, apparently, because you can't do anything on your own. It sounds like you need help from me for your finances. You need help from management to promote you. What the you can't do anything, huh?

• 13:13Speaker 01

  I can't promote myself.

• 13:14Caleb Hammer?

  You can't promote yourself, but you can put yourself in a position where you would have won the promotion. You didn't, you were not chosen, even though your manager said you were a shoo-in. Again, yes, the manager makes the promotion. Yes, I make the budget, call out the bull. You have to do with the action that is stopping your bull spending, actually budgeting, getting the education you need. Via what we provide, but actually taking it, implementing it, improving your life. Yes, the manager opens a promotion and it is up to you to then go get it.

• 13:43Speaker 01

  I did, I had an interview.

• 13:46Caleb Hammer?

  You don't understand what I'm saying. It's up to you to practice your interview skills, to update your skills, to make sure you are the winner. Why did the other person win over you?

• 13:56Speaker 01

  Because they were from a different company and had more experience. They had management experience.

• 14:00Caleb Hammer?

  There you go, and you didn't, so you needed that.

• 14:03Speaker 01

  I'm trying to get the management experience.

• 14:04Caleb Hammer?

  Yeah, but you might have to leave to another company you don't like in order to get management experience, in order to accumulate the skills and resume necessary to get the job you want.

• 14:12Speaker 01

  Maybe.

• 14:13Caleb Hammer?

  Maybe, no, you're just sitting in their job because you find it comfy.

• 14:18Caleb Hammer?

  But you're not surviving, you're spending more than you make. The categories are complete.

• 14:23Speaker 01

  It's not that bad.

• 14:24Caleb Hammer?

  How's it not that bad, please?

• 14:26Speaker 01

  I'm not, I'm not on the streets.

• 14:28Caleb Hammer?

  Yet, what's your rent, huh?

• 14:31Speaker 01

  Seven fifty.

• 14:32Caleb Hammer?

  Okay, seven fifty, sounds like lovely rent, right? Well, she brings in nineteen hundred, so let's see.

• 14:36Speaker 01

  I don't live by myself, I live with my.

• 14:38Caleb Hammer?

  Your rent is seven fifty.

• 14:40Speaker 01

  So I live with my boyfriend and his roommate. They take care of the rent, I help out with groceries, utilities.

• 14:47Caleb Hammer?

  Wow, okay, so even without rent, you're spending more than you make.

• 14:52Caleb Hammer?

  A winner, promoter, I just don't get it. Listen, and with someone like you, let's see.

• 14:58Caleb Hammer?

  Yeah, the under shopping is crazy, it's just, and that could be things like Amazon, Walmart. Pull up your Amazon right now, I want to see what's in your cart. Is there in your cart? Let's see.

• 15:11Caleb Hammer?

  What's your saved emergency fund currently? Zero. Okay, so you can't even cover an 11, a 1,000 hour emergency. If it wasn't for your boyfriend, maybe you would be on the streets. Cause how the would you cover something when it pops up? She has 34 things in her cart. She has 34 things that are Amazon cart. She has some sunglasses, crochet kit thing, hanging cute crochet car. Bullshit. Shh. Funny can't read her. Fuck you. Cat license plate. Oh, we know who she is. Off we go compatible Nissan key fob. Nissan key fob, cat nip toys, cat collars, cat pillows, cat toys. Possibly. No, you shouldn't. Don't.

• 15:54Caleb Hammer?

  Do not. That is irresponsible and disgusting and selfish of you. You cannot financially take care of a kitten. Kitten, lot of medical expenses, lots of vet things out of the gate. Kitten becomes cat. Cat becomes vet emergencies. You cannot take care of them. You cannot provide the high end food. It is selfish of you. You want a cat. You cannot take care of a cat. That is disgusting. Okay. Cat, cat chews, scar gel. I. Cat case. Hurt my. Keychain bullshit. A big pig stuffed animal. I don't know how to cook cookbook. Well, sign up for the annual version of our budget nap and you'll get this for free. You get it for free because you're a guest, obviously. La Fu Fu, it looks like, and then. It's a La Boo Boo. This is not a La Boo Boo. Yes, it is.

• 16:39Caleb Hammer?

  Seventeen dollar original. Scum and kachagori shashi honey shy room. That's something different. Box. Captain America key holder ring because we mean everything in a stupid world. A Kirby pop out costume. That's for Halloween. I can't tell the difference. Kirby jet stream three collar ballpoint pen. Dr. Pepper candle. I love Dr. Pepper. Well.

• 17:04Caleb Hammer?

  Try Diet. Dr. Pepper.

• 17:06Speaker 01

  I like Dr. Pepper Zero.

• 17:08Caleb Hammer?

  Diet Cherry Dr. Pepper is like top tier beverage, by the way. I'm gonna throw that out there. Young Caro Framed Black Cat Wall Art. Monster Juice Monster. Monopoly Supernatural.

• 17:21Speaker 01

  That's my favorite TV show.

• 17:22Caleb Hammer?

  Original Rocko Roomy Holiday Series Blind Box.

• 17:25Speaker 01

  I like Blind Boxes.

• 17:27Caleb Hammer?

  Sign X Original Plug Series Blind Box.

• 17:29Speaker 01

  I like Blind Boxes.

• 17:30Caleb Hammer?

  Cat Bed Shut the [__] up is what you're gonna do instead. Sunny Angel A Must Fan Hipster Series Figure X. Medi- Medi Cube.

• 17:40Speaker 01

  That's like for your face.

• 17:43Caleb Hammer?

  What about it? What are you doing? I don't care. Captain America Shield.

• 17:46Speaker 01

  Your pores.

• 17:47Caleb Hammer?

  La Fufu Cat Hat. Pureology Color Fantic Maxing [__] dumb stupid. Great. So that's just her [__] card. I didn't even go through her purchases. I assume we're gonna do that. So yeah, no [__]. It's just impulse [__]. No plan whatsoever. Don't have a thousand dollars. If your boyfriend breaks up with you, good [__] luck. You wouldn't be able to survive. How long have you been in this relationship?

• 18:10Speaker 01

  We make a year next month.

• 18:12Caleb Hammer?

  Good luck if this relationship dies. Oh, you're closer to homelessness than you are.

• 18:20Caleb Hammer?

  Confessing.

• 18:20Speaker 01

  He co-signed a car for me.

• 18:26Caleb Hammer?

  Let me see a picture of this man. It it won't be on camera unless we get consent, obviously. Do we have consent to put it on camera?

• 18:32Speaker 01

  I would have to ask him.

• 18:33Caleb Hammer?

  Oh, he's a septum piercing. That's usually for the other side, but okay.

• 18:39Speaker 01

  What do you mean?

• 18:40Caleb Hammer?

  Well, he's a septum piercing male.

• 18:42Speaker 01

  Yeah.

• 18:42Caleb Hammer?

  Usually it's women.

• 18:44Speaker 01

  I don't want my septum.

• 18:46Caleb Hammer?

  Good. I appreciate that, but it's just it was a shocker to see.

• 18:49Speaker 01

  Guess what? It's cages.

• 18:51Caleb Hammer?

  Yeah.

• 18:54Caleb Hammer?

  Yes, he does.

• 18:57Caleb Hammer?

  And you think this isn't that bad then, huh? That's what we're hearing. Colton thinks you might be the biggest impulse spender we've ever had since he started.

• 19:05Speaker 01

  Because I still have my basic necessities.

• 19:09Caleb Hammer?

  Dude, you don't pay for your largest overhead for the average person, which is rent. You're subsidized by your boyfriend, and yet you still blow it all.

• 19:17Speaker 01

  I help with bills, though.

• 19:19Caleb Hammer?

  Groceries, come on.

• 19:20Speaker 01

  No, I help with internet and gas.

• 19:23Caleb Hammer?

  Oh, yippee. That's not even close to rent.

• 19:25Speaker 01

  That's something.

• 19:26Caleb Hammer?

  It's something. I'm not saying it's nothing.

• 19:29Speaker 01

  It's not like I live there for free.

• 19:30Caleb Hammer?

  But it's not. But it's not comparable. It's not comparable.

• 19:35Speaker 01

  It's not like I live there for free.

• 19:37Caleb Hammer?

  No, she fills her TikTok shopping cart like it's... Show me your TikTok shopping cart. Like, oh, what are you doing? What kind of creature are you? Why?

• 19:46Speaker 01

  I wish I knew the answer.

• 19:49Speaker 01

  Sorry.

• 19:52Speaker 01

  Sorry about that.

• 19:53Caleb Hammer?

  So you're never behind on your bills, then, is what you're telling me?

• 19:56Speaker 01

  I've not... I'm not gonna lie, I've been behind before, but I...

• 19:59Caleb Hammer?

  When was the last time?

• 20:01Speaker 01

  Not within like a year or two, I feel like.

• 20:03Caleb Hammer?

  Uh, by the way, it was April.

• 20:05Speaker 01

  When? Which one?

• 20:06Caleb Hammer?

  April.

• 20:07Speaker 01

  No.

• 20:08Caleb Hammer?

  That's the one.

• 20:09Speaker 01

  No, what was I late on?

• 20:11Caleb Hammer?

  April.

• 20:12Speaker 01

  But what was I late on?

• 20:13Caleb Hammer?

  I don't have that data, but that's what you... We've established you and the producer.

• 20:18Speaker 01

  That might... That might have been credit one.

• 20:21Caleb Hammer?

  What do you think behind? What do you think qua... What do you think qualifies as behind you, dude? Oh, good, we got gel pens, headphones.

• 20:30Speaker 01

  I like pens.

• 20:31Caleb Hammer?

  Breathing nasal strips.

• 20:33Speaker 01

  I snore.

• 20:35Caleb Hammer?

  Yeah.

• 20:37Speaker 01

  You probably do too.

• 20:38Caleb Hammer?

  No. Stop the cap.

• 20:43Speaker 01

  I'm surprised.

• 20:44Caleb Hammer?

  Girl, I'm sorry. I don't think we should do the comparing game. I'm sorry. A hat, a tumbler.

• 20:55Caleb Hammer?

  Solid color bathrobe, another tumbler, another tumbler, another tumbler.

• 20:58Speaker 01

  I like cups.

• 20:59Caleb Hammer?

  Wifi. Oh, good. I'm glad. That's like, woo, yippee. You like cups?

• 21:05Speaker 01

  Yep.

• 21:05Caleb Hammer?

  Snoring last night, zero percent.

• 21:09Speaker 01

  You do that with your Apple Watch?

• 21:11Caleb Hammer?

  I do this with Eight Sleep.

• 21:12Speaker 01

  What's that?

• 21:13Caleb Hammer?

  They were a sponsor. I mean, they're not sponsoring this episode, but they are very good for what it's worth. I bought her before they were a sponsor.

• 21:20Speaker 01

  It's an app?

• 21:20Caleb Hammer?

  Oh, they are a sponsor. Uh, well, no, no, it's like it cools and heats your bed, but it also tracks your stuff.

• 21:25Speaker 01

  I need that cuz.

• 21:30Speaker 01

  If I had, if I had the money, if I had the money.

• 21:32Caleb Hammer?

  You do not. It is a high-priced item, but for those who can't afford it, it is pretty sick. I'm not gonna lie. Zero pore pads again, lavender. Dude, you're just filled with. This is just got a cosmetic bag. What is this? Uh, cushion, cushionier, woman's lame cork foot bullshit. More put on your love foofus wearable blankets. Dude, why don't you just?

• 21:59Speaker 01

  Some of that's for my boyfriend.

• 22:00Caleb Hammer?

  Can you like just act like a normal person?

• 22:03Speaker 01

  Some of that for my boyfriend.

• 22:04Caleb Hammer?

  We got, we needed a little.

• 22:06Speaker 01

  And I need to buy him a gift.

• 22:07Caleb Hammer?

  His birthday passed and you didn't get him the gifts already. Wow. I'm glad he's subsidizing you.

• 22:12Speaker 01

  I already got him a new work boots.

• 22:14Caleb Hammer?

  He's really taken care of. Oh, wow. His favorite sunflower wall hook.

• 22:18Speaker 01

  He asked for those and I got them for him.

• 22:20Caleb Hammer?

  For them.

• 22:21Speaker 01

  Yeah.

• 22:22Caleb Hammer?

  Don't worry bumper sticker floating the lemon. I do this. Oh, this is endless. The walking taco nacho cheese and bull dumb history. I'm, I'm gonna die.

• 22:31Speaker 01

  I got bored on the drive over.

• 22:35Caleb Hammer?

  Huh?

• 22:36Speaker 01

  I was.

• 22:36Caleb Hammer?

  Were you driving?

• 22:38Speaker 01

  I was at rest stops.

• 22:41Speaker 01

  I had to rest. New Orleans is far.

• 22:43Caleb Hammer?

  No, it's six hours.

• 22:45Speaker 01

  Seven and I'm.

• 22:46Caleb Hammer?

  As far as road trips go, that is not that bad.

• 22:48Speaker 01

  By myself, I've never driven that far.

• 22:51Caleb Hammer?

  You had to stop and actually rest, rest?

• 22:54Speaker 01

  I've been up since 6:30 yesterday. I had work yesterday.

• 22:58Caleb Hammer?

  You didn't sleep last night?

• 22:59Speaker 01

  I left at 7:00 last night.

• 23:01Caleb Hammer?

  Let's talk about student loans. I know it's something we all avoid talking about, but if your private student loans are crushing you, Y Refi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and the ability to repay. That is a game changer in a market where most lenders only see a number. Interest rates? Under 6% guaranteed. That's practically a unicorn in student lending. Plus, they offer structured payment plans to lower your monthly bill, and even a cosign a release program so your mom and dad can step off the hook. Y Refi is known for their personal service. No faceless call centers. You get a dedicated rep who actually cares about your progress.

• 23:46Caleb Hammer?

  They've got a 4.6 star rating on Google, which tells you people genuinely like working with them. So if your private student loans are burying you, it is time to reach out. Y Refi wants to help you climb out of debt, not push you further into it. Check them out at yrefy.com/hammer. That is Y-R-E-F-Y.com/hammer. Or call 888-973-3978. That is 888-973-3978. Break free from the high interest trap and get your finances under control once and for all. So you didn't sleep last night?

• 24:21Speaker 01

  No.

• 24:22Caleb Hammer?

  The math isn't adding up.

• 24:24Speaker 01

  I've been up since 6:30 yesterday. Yesterday.

• 24:27Caleb Hammer?

  Well, I guess if you took an hour rest at every rest stop once an hour, yeah, that would make sense.

• 24:32Speaker 01

  Yeah.

• 24:33Caleb Hammer?

  Okay, so your rest stop equals adding things to your TikTok cart. And it was about, it was a thousand bucks in there. That's half your monthly income. In fact, more.

• 24:43Speaker 01

  I mean, more than a thousand dollars a month.

• 24:45Caleb Hammer?

  Oh, you were... What did I just say? Can you tell me what I just said?

• 24:49Speaker 01

  That's more than my monthly income. Half. You said half.

• 24:53Caleb Hammer?

  There you go. You put it together. Just like you were late for your boyfriend's birthday, you were late to my last sentence.

• 25:00Speaker 01

  He got his gift early. Cause we thought it got lost.

• 25:04Caleb Hammer?

  Oh, boy.

• 25:06Speaker 01

  So.

• 25:07Caleb Hammer?

  Why do you, why do you think you have this impulse spending from your own perspective? Let's get a little reflection here.

• 25:13Speaker 01

  So when I was younger, well, I just know stories because my mom did pass in 2009. So I know, like, I hear stories from like my aunt and stuff.

• 25:24Caleb Hammer?

  Stories, stories of what?

• 25:25Speaker 01

  Her impulse spending.

• 25:28Caleb Hammer?

  Wait, hold on. Okay.

• 25:30Speaker 01

  And I like.

• 25:30Caleb Hammer?

  Hold on, hold on. Let me clarify this with, let's start with the, uh, uh, sympathy. I'm sorry, your mom passed away.

• 25:36Speaker 01

  Thank you.

• 25:37Caleb Hammer?

  That sucks. That's horrible. I will literally break when my mom passes away. It's gonna be the worst moment of my life by far. Number two. You hearing stories about how your mom was an impulse spender is why you're an impulse spender? You don't even witness her being an impulse spender. She heard stories.

• 25:54Speaker 01

  I, I wouldn't.

• 25:55Caleb Hammer?

  Why are you saying you heard stories?

• 25:56Speaker 01

  I have heard stories and that like kind of triggered some memories of her dragging me to Kmart with her.

• 26:05Caleb Hammer?

  This, that's why you think you can't control yourself?

• 26:08Speaker 01

  She would see something and feel the need to buy 10 of it and try to justify, oh, this will be a Christmas gift for this person. This will be a birthday gift for this person.

• 26:17Caleb Hammer?

  You're talking, do you hear how you're talking lady? You're, you're, you're, you're showing how she was bad at it.

• 26:23Speaker 01

  Yeah.

• 26:23Caleb Hammer?

  When I saw people do bad things, I do the opposite. I'm confused. What are you saying here?

• 26:30Speaker 01

  I don't wanna be this way.

• 26:35Caleb Hammer?

  Oh, my goodness. Okay. So there's, there's absolutely no responsibility on you.

• 26:40Speaker 01

  I feel like I picked up those tendencies from her though.

• 26:43Caleb Hammer?

  No, man. Dude, I don't even know. Oh, good. Your mom used to open up credit cards in other people's names as well.

• 26:49Speaker 01

  Yeah.

• 26:50Caleb Hammer?

  Okay. Yeah, maybe like mother, like daughter.

• 26:53Speaker 01

  No, I have never done that.

• 26:54Caleb Hammer?

  Hmm, we'll see about that.

• 26:56Speaker 01

  No, that's, I'm not like Jenny from Jenny and, I mean.

• 26:59Caleb Hammer?

  Your car was just totaled last week?

• 27:01Speaker 01

  Last month. It was last week when I spoke to the producers.

• 27:05Caleb Hammer?

  Oh, what are you doing?

• 27:07Speaker 01

  So I've gotten a new car since then.

• 27:11Speaker 01

  That's the one that

• 27:11Caleb Hammer?

  Financed?

• 27:12Speaker 01

  Yes.

• 27:13Caleb Hammer?

  Was there was there fucking financing on the last car?

• 27:16Speaker 01

  Yes.

• 27:19Caleb Hammer?

  Did the gap cover it? Oh, thank

• 27:22Speaker 01

  Whatever.

• 27:22Caleb Hammer?

  Dude, people, people around, man. No, you can break, you can break little rules within your insurance and then they won't cover it. Oh, yeah.

• 27:30Speaker 01

  I didn't know that.

• 27:32Caleb Hammer?

  I'm glad you didn't.

• 27:33Speaker 01

  An email last night saying that the last payment was made to the lien holder for that car and my credit score went up.

• 27:39Caleb Hammer?

  Well, I guess you're winning. I guess you're winning.

• 27:42Speaker 01

  I mean, I think I'm doing better because I'm not having to pay rent.

• 27:46Caleb Hammer?

  A house.

• 27:47Speaker 01

  I moved in quicker than I wanted to with my boyfriend, but that's because I got kicked out of my last living situation.

• 27:56Speaker 00

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• 28:26Caleb Hammer?

  What?

• 28:27Speaker 01

  So I was living with my ex's mom.

• 28:31Speaker 01

  Listen.

• 28:31Caleb Hammer?

  Moved in with your ex sooner than you wanted to, but the reason is because your ex's mom kicked you out?

• 28:36Speaker 01

  No, I moved in with my current boyfriend sooner than I wanted.

• 28:40Caleb Hammer?

  Oh, your ex's, oh, your ex, you're with your ex's mom?

• 28:43Speaker 01

  Yeah.

• 28:43Caleb Hammer?

  Well, dating your current boyfriend.

• 28:45Speaker 01

  He was okay with it. He trusts me.

• 28:48Caleb Hammer?

  But why'd she kick you out?

• 28:49Speaker 01

  We have different views on like politics and stuff and

• 28:53Caleb Hammer?

  You guys talk about it.

• 28:55Speaker 01

  Because she brought it up and I kept asking her to be quiet because she was being really ignorant and just

• 29:03Caleb Hammer?

  She was being really ignorant?

• 29:04Speaker 01

  Yeah, and I told her that she was so closed minded that it's disgusting.

• 29:08Caleb Hammer?

  What is ignorant?

• 29:09Speaker 01

  I don't know if I'm allowed to talk about it.

• 29:11Caleb Hammer?

  If you're allowed to?

• 29:12Speaker 01

  Like

• 29:13Caleb Hammer?

  You signed an NDA?

• 29:14Speaker 01

  No, people might be offended.

• 29:16Caleb Hammer?

  What's the ignorant? I'm curious what's so ignorant that you got kicked out?

• 29:20Speaker 01

  That trans people shouldn't be allowed in like the gender that they identify as restrooms. So like a transgender woman shouldn't be allowed in a woman's restroom.

• 29:28Caleb Hammer?

  Are you trans?

• 29:29Speaker 01

  No. But

• 29:31Caleb Hammer?

  Why was this conversation happening? Why did she kick you out for it?

• 29:34Speaker 01

  Well, I don't know how it started. I was talking about a cruise that me and my friends were supposed to be going on. It got canceled. We're not going. Um, yeah. Um, and then something about like the tariffs. Um, got brought up and then we started talking about Trump. And then that got brought up somehow.

• 29:53Caleb Hammer?

  If you guys know you're on opposite ends, it's like

• 29:55Speaker 01

  She started it. I wasn't talking about politics.

• 29:58Caleb Hammer?

  You wouldn't be involved in the conversation, though. It would not have continued to go down the road if you weren't continuing the conversation.

• 30:04Speaker 01

  No, she's no.

• 30:05Caleb Hammer?

  You weren't just sitting there and she was like tariffs? Trump.

• 30:08Speaker 01

  No.

• 30:09Caleb Hammer?

  Rans.

• 30:09Speaker 01

  So she mentioned tariffs and I, I did say something about Trump because I thought

• 30:14Caleb Hammer?

  Same, told you.

• 30:14Speaker 01

  I thought that it was his fault, but she was like, no, it's not. And then like in Mexico and stuff.

• 30:22Speaker 01

  Cause you know how he raised the tariffs like?

• 30:23Caleb Hammer?

  Yeah, I'm just confused how, what you're even talking about. Okay, whatever. It doesn't matter. Okay, so you disagree with politics and she kicked you out?

• 30:29Speaker 01

  So I told her that she was so close minded that it's disgusting because of what she said about

• 30:33Caleb Hammer?

  Why would you attack the person that's keeping you over their head? Well, just go in your room and just like

• 30:37Speaker 01

  She was attacking me. She was getting loud with me.

• 30:40Caleb Hammer?

  Well, she doesn't like your position. That's fine. Separate. We have to separate, guys. The fucking politics cannot be a battle.

• 30:47Speaker 01

  I was trying and she just kept saying, why? Cause you know I'm right. Why? Cause you know I'm right. Cause I could ask on her to be quiet. And then when I told her

• 30:53Caleb Hammer?

  Yeah, but no one likes to be called ignorant and closed minded, though. Obviously she viewed that as a personal attack.

• 30:58Speaker 01

  Well, yeah, but then she started throwing the stuff that she's done for me in my face.

• 31:01Caleb Hammer?

  Well, yeah, I mean, she's allowing you to stay there. That is probably a truth.

• 31:06Speaker 01

  Yeah. I was kind of living their own free, so.

• 31:11Caleb Hammer?

  So, yes. But again, just separate.

• 31:15Speaker 01

  I was trying.

• 31:15Caleb Hammer?

  No, you were not. From everything you've said, no, you were not. You both enabled these

• 31:19Speaker 01

  I was trying, I was trying to fix my lunch for work the next day. And then I was gonna go in my room. And when I said, what I said about her being ignorant and closed minded.

• 31:28Caleb Hammer?

  So you're like, you're ignorant and she kicked you out?

• 31:30Speaker 01

  She said, cause I had mentioned to her that my boyfriend wanted me to move in within the next few months. This was back in like February.

• 31:38Caleb Hammer?

  Your boyfriend trans?

• 31:39Speaker 01

  No. I have friends that are like LGBTQ, so. And I have, like, one of my childhood best friends is trans.

• 31:45Caleb Hammer?

  Okay.

• 31:47Speaker 01

  I just, I was like trying to think of-

• 31:49Caleb Hammer?

  Isn't that a productive conversation to have? If you guys are completely opposite ends of the things, I like, I don't get it. It's just like, I wouldn't have that conversation.

• 31:55Speaker 01

  I didn't want to have that conversation. She's the one that brought up the transgender people.

• 31:59Caleb Hammer?

  Yeah, but you could have stayed quiet if we were playing diplomatically and you were just throwing ignorant, ignorant, ignorant.

• 32:03Speaker 01

  I was, I was trying to stay quiet, but then she started to keep going on.

• 32:07Caleb Hammer?

  Great, okay, so she kicked you out.

• 32:08Speaker 01

  She said, "You know what? You can go pack your bags and leave now instead of in a couple of months."

• 32:12Caleb Hammer?

  What do you call a trans nephew?

• 32:14Speaker 01

  Huh?

• 32:15Caleb Hammer?

  What do you call a trans nephew?

• 32:17Speaker 01

  I don't know.

• 32:18Caleb Hammer?

  A nibbling.

• 32:21Caleb Hammer?

  We learned that on the show and that is a hilarious word. Why did they choose that? What the [bleep] are we doing? A nibbling.

• 32:27Speaker 01

  What is that?

• 32:28Caleb Hammer?

  That's your gender neutral nephew.

• 32:31Speaker 01

  Wouldn't it just be a child?

• 32:33Caleb Hammer?

  You better not question it. You will be ignorant. You'll be very ignorant, real quick.

• 32:38Speaker 01

  I'll be ignorant.

• 32:39Caleb Hammer?

  It is, it is a nibbling.

• 32:40Speaker 01

  It sounds like you're nibbling on something.

• 32:42Caleb Hammer?

  Uh, that sounds like a bigot. Ladies and gentlemen of Financial Audit, this is one of the most exciting moments in this channel's history. You know I've been working on building all these educational tools, our budgeting app, all this crazy stuff of this past year, because that is where my passion is. We finally did it and now we put it all into one program called Dollar Wise Central. You get the premium version of my budgeting app. You'll get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner stuff and finance all the way to the advanced stuff, collaborated by experts with the lowest refund rate in the industry for a reason. And guess what?

• 33:22Caleb Hammer?

  If you are struggling or you want to learn more or you want to change your life in any way whatsoever, like literal tens of thousands of people have done with our programs, go to dollarwise.com. Click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no-brainer. Dollarwise.com. Let's [bleep] go!

• 33:47Speaker 01

  Yeah, she kicked me out. And then the next day she tried texting me say like apologizing and saying that I could come back.

• 33:53Caleb Hammer?

  Well, there we go.

• 33:54Speaker 01

  I didn't want to go back.

• 33:55Caleb Hammer?

  Well, no.

• 33:56Speaker 01

  Because she said some really hurtful things.

• 33:58Caleb Hammer?

  You both said hurtful things to each other. Come on.

• 34:02Speaker 01

  She was throwing the stuff that she's done for me in my face.

• 34:05Caleb Hammer?

  Well, she was doing things.

• 34:06Speaker 01

  I know, but she would constantly tell me, oh, don't worry about it. Don't worry about it. Like I'm doing this for you because you're like a daughter to me.

• 34:13Caleb Hammer?

  Listen, you guys were in a hostile conversation that what bubbles up and it comes out. That's where it comes out. It sucks, but that is.

• 34:19Speaker 01

  I didn't say anything to that extent to her, though.

• 34:22Caleb Hammer?

  Come on, you both find different things insulting. We're all individuals in this. We find different things insulting.

• 34:28Speaker 01

  She basically called me a freeloader and said, good luck with your boyfriend because you're not going to be paying any bills when you live with him.

• 34:33Caleb Hammer?

  She was attacked. I'm not, I'm not saying what she said was good, but you were attacking her. She attacked back. It wasn't great. And also you kind of are freeloading on your boyfriend.

• 34:41Speaker 01

  I help with bills. I help more than I did with her.

• 34:45Caleb Hammer?

  Well, because you did nothing.

• 34:47Speaker 01

  She told me, she told me.

• 34:48Caleb Hammer?

  I know, but literally if you provide $1, you're providing more than what you did with her. So like, yes.

• 34:54Speaker 01

  A quarter. She would tell me like, if you can't give me anything, the check, that's fine.

• 34:59Caleb Hammer?

  No, I'm not arguing against it. I'm just saying, obviously, yes, you providing literally anything is more than what you were doing.

• 35:05Speaker 01

  Yeah.

• 35:06Caleb Hammer?

  She still kind of not doing much. Okay, great. Listen.

• 35:12Caleb Hammer?

  Zero to 10, what do you think your financial score is? Zero being the worst, 10 being the best.

• 35:15Speaker 01

  A zero.

• 35:16Caleb Hammer?

  Good. Reasonable.

• 35:18Speaker 01

  I'm like a negative 10, probably.

• 35:19Caleb Hammer?

  That doesn't exist. If you want your Hammer financial score, figure out where you stand in the world of finance to see where you're failing, see where you're doing really good. Take the assessment at CalebHammer.com. It is free. And 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. Sign up for the free trial. If you like it, you can save a lot of money by signing up for the annual version. And what you do, I'll sign a budget friendly cookbook that I made and I'll mail it directly to you. And you can also bundle it with all of our educational products together by joining Dollar Wise Central. That is 80% off. Go to DollarWise.com. Learn more. Let's do this thing.

• 35:53Speaker 01

  Are those veggies real?

• 35:55Caleb Hammer?

  Huh?

• 35:55Speaker 01

  Are the veggies real on the car?

• 35:57Caleb Hammer?

  Yes.

• 35:58Speaker 01

  Okay.

• 35:59Caleb Hammer?

  Yeah, I was taking it to my house.

• 36:00Speaker 01

  Cute.

• 36:01Caleb Hammer?

  Okay. Oh, credit one. We're gonna open with a credit one. The indication that we are

• 36:07Speaker 01

  That a credible with finances.

• 36:09Caleb Hammer?

  That accounts. We're not doing that bad. It is indicative of, oh, you probably have really good finances. Credit one, everyone's favorite. Okay. Uh, oh, if we're not over the limit.

• 36:22Speaker 01

  That's probably from interest charges.

• 36:24Caleb Hammer?

  Uh, let's see. Well, no, you actually were already over the limit. The only way interest charges would push you over the limit

• 36:34Caleb Hammer?

  is by you not making a payment on time and get hit with late fees and whatnot. Didn't happen this month. Looks like it happened in April.

• 36:44Speaker 01

  Yeah.

• 36:45Caleb Hammer?

  Cause that's what pushed us over. Then your minimum monthly payment isn't enough to pull you under with how over you went. What's going on with this card?

• 36:54Speaker 01

  I wanted something that I didn't have.

• 36:58Caleb Hammer?

  What?

• 36:58Speaker 01

  The money for. I don't remember that card.

• 37:01Caleb Hammer?

  You don't even see this is.

• 37:02Speaker 01

  And that's why. A couple of years old.

• 37:03Caleb Hammer?

  And this is that that's it's been maxed out for a couple of years.

• 37:06Speaker 01

  Yeah.

• 37:06Caleb Hammer?

  And that's why this is a broken philosophy that you have with the spending money on things because you don't even know what you got. It's something so insignificant that it doesn't even matter. Doesn't positively impact your life today, yet you are paying interest on it today. You are paying fees on it today. You are paying late fees on it today. Now you're over the limit today on something you got a couple of years ago that you don't even remember.

• 37:29Speaker 01

  It could have been food.

• 37:30Caleb Hammer?

  It could have been, I'm sure. When you spend a ton on it. So $41 is your minimum monthly payment. Takes three years to pay off if you do minimum payments on time only without purchasing anything. And I bet if there was room to purchase, you would. Listen, $85 of fees, $117 of interest. And this is crazy. And of course, instead of 28.24% interest rate.

• 37:54Speaker 01

  I had it almost paid off before, and then they upped my credit limit.

• 37:59Caleb Hammer?

  So how does that?

• 38:00Speaker 01

  So I started using on it again.

• 38:02Caleb Hammer?

  But wouldn't you still had like available credit if you almost had paid it off? Why does them upping the credit limit all of a sudden be like, oh, let's go?

• 38:10Speaker 01

  I saw that I could spend more and I found something that was that I wanted.

• 38:15Caleb Hammer?

  Of which we don't remember.

• 38:17Speaker 01

  Yeah.

• 38:18Caleb Hammer?

  I mean, we know that you probably got through your purchases that you've talked about with Colton. Hundred twenty dollar AirPods phone upgrade, you know, a hundred forty dollars to pay the difference. I mean, a hundred dollars a minimum on fast food a week still. So it's like.

• 38:35Speaker 01

  That's why I had that cookbook in my Amazon cart.

• 38:39Caleb Hammer?

  In the cart. The cart. Wasn't even purchased. It's in the cart. You're still considering whether or not you want to cook.

• 38:48Speaker 01

  I, I want to cook. I want to learn how to cook.

• 38:52Caleb Hammer?

  What's complicated about cooking?

• 38:54Speaker 01

  So I messed up making like pre-made brownies before.

• 39:00Caleb Hammer?

  Like, I don't.

• 39:01Speaker 01

  I guess.

• 39:03Caleb Hammer?

  Okay. Do you go out a lot or are you like a stay at home kind of person?

• 39:09Speaker 01

  Like eating?

• 39:10Caleb Hammer?

  I don't know. Just in general.

• 39:11Speaker 01

  In general, I'm more of a homebody.

• 39:12Caleb Hammer?

  You're a homebody. Then why the are you not cooking if you're just at home? I guess that just leaves the DoorDash probably.

• 39:19Speaker 01

  Groceries are expensive.

• 39:21Caleb Hammer?

  Not as expensive as DoorDash. What?

• 39:23Speaker 01

  I don't DoorDash. I'll go like go and pick something up.

• 39:25Caleb Hammer?

  It's not as expensive as that.

• 39:28Speaker 01

  It depends.

• 39:28Caleb Hammer?

  No, it does not.

• 39:29Speaker 01

  My meal at McDonald's is like six, seven dollars.

• 39:32Caleb Hammer?

  Great. Your meal meal prepped would be less.

• 39:35Speaker 01

  I doubt it.

• 39:36Caleb Hammer?

  Well, I can get you.

• 39:40Caleb Hammer?

  I can get you at per meal. If we call it a twenty eight day month divided by three, I can get you at per meal. Two dollars and ninety cents if we're meal prepping. Yes, that is the math we've proven and we check it once a quarter to make sure it still works. And that's using the recipes in that cookbook.

• 39:57Speaker 01

  That's.

• 39:59Caleb Hammer?

  But that involves meal prepping.

• 40:01Speaker 01

  I would.

• 40:03Caleb Hammer?

  Like brand new meal three times a day.

• 40:06Speaker 01

  I know. I understand that.

• 40:08Caleb Hammer?

  Okay.

• 40:09Speaker 01

  I eat leftovers.

• 40:10Caleb Hammer?

  Dude, you're a homebody.

• 40:11Speaker 01

  Yeah.

• 40:12Caleb Hammer?

  Why the what are we doing? If you're not believing, why can't you just stay home and cook?

• 40:18Speaker 01

  Because my boyfriend asks me, "Hey, do you wanna get McDonald's?"

• 40:21Caleb Hammer?

  And your answer's no.

• 40:22Speaker 01

  My answer is yes.

• 40:24Caleb Hammer?

  Well, your answer should be no. I mean, I've been told all you do is literally just watch TV if you're not at work, so.

• 40:31Speaker 01

  Yeah.

• 40:33Caleb Hammer?

  Cook? You have all the time in the fucking world!

• 40:37Speaker 01

  It gets hot in the house. We don't have central AC. And it's.

• 40:41Caleb Hammer?

  You're already there.

• 40:43Speaker 01

  But it gets hot in the house and I don't like.

• 40:44Caleb Hammer?

  Vent it out.

• 40:45Speaker 01

  How? We don't have central AC.

• 40:47Caleb Hammer?

  Vent it out in a window and a fan, you dumb tit.

• 40:50Speaker 01

  I guess.

• 40:51Caleb Hammer?

  You guess?

• 40:52Speaker 01

  It's hot outside.

• 40:54Caleb Hammer?

  Oh, my. Yes, but you can vent it out. If it's hotter outside than in, then close the window and just cook. Again, you're meal prepping a couple of times a week. The rest is just warming up what you meal prepped. So it's not like that impacts every day, anyway. There's lots of cold meal preps in there as well. Overnight oats and stuff like that. Salads.

• 41:12Speaker 01

  I like salad.

• 41:15Speaker 01

  I love salad.

• 41:17Caleb Hammer?

  Okay.

• 41:17Speaker 01

  Maybe I'll get a big salad and like a tub of ranch with some grilled chicken on it.

• 41:24Caleb Hammer?

  A tub of ranch?

• 41:25Speaker 01

  I love ranch. Outback ranch is so good.

• 41:28Caleb Hammer?

  Ding ding ding. Oh, Outback Ranch specifically. Okay.

• 41:30Speaker 01

  Yes.

• 41:31Caleb Hammer?

  Um. Yes.

• 41:35Caleb Hammer?

  Let's not use ranch anymore, because one, expensive, two.

• 41:39Speaker 01

  I love ranch.

• 41:40Caleb Hammer?

  I love ranch, too. I also love making it to the age of 60.

• 41:44Speaker 01

  Okay, what about Caesar dressing?

• 41:45Caleb Hammer?

  Dude, any dressing is okay if you use it in a reasonable amount.

• 41:48Speaker 01

  Yeah, valid.

• 41:49Caleb Hammer?

  You are not.

• 41:50Speaker 01

  Well, you're saying not to use ranch at all.

• 41:52Caleb Hammer?

  In a reasonable amount.

• 41:54Speaker 01

  Okay. I might be able to do that.

• 41:56Caleb Hammer?

  Buddy. Let's just talk about, and this sometimes upsets people, but I don't really give a f***. Pearl clutches are weird.

• 42:03Caleb Hammer?

  There's, you're gonna have to make big sacrifices to budget. To get out of debt and to have a fully furnished home and get on track for retirement. There's also no point of doing any of that if you're gonna die at 40.

• 42:13Speaker 01

  That's around the age my mom died.

• 42:15Caleb Hammer?

  That's not surprising. Were you guys similar?

• 42:18Speaker 01

  She had a massive heart attack, so.

• 42:21Caleb Hammer?

  Are you, were you guys similar?

• 42:24Speaker 01

  Like, was she fat too?

• 42:25Caleb Hammer?

  Yes, morbidly obese, let's be honest.

• 42:27Speaker 01

  Well, yeah, she had a heart attack.

• 42:28Caleb Hammer?

  I don't know, people have heart attacks that aren't, but that is a, that'll get you there a lot quicker.

• 42:33Speaker 01

  As far as I know, my heart is fine.

• 42:35Caleb Hammer?

  Buddy, you're 27.

• 42:37Speaker 01

  Yeah.

• 42:38Caleb Hammer?

  Thought could happen in 13 years, it can go downhill real quick.

• 42:41Speaker 01

  I'm home because it doesn't.

• 42:42Caleb Hammer?

  The hope isn't what does it? I'm sorry. No, no, no, we need to talk objective things. It's not a fat shamey thing, we got permission to do all this, blah, blah, blah, blah, blah. She and gave us all the consent in the world, so that's why I'm doing this. I wouldn't go up to a random person in the street and say this. You're morbidly obese.

• 42:56Speaker 01

  I know. My BMI is like over 50.

• 43:01Caleb Hammer?

  Oh. Um, yeah, that's bad. Uh. Yeah, 40 is like, kinda where you're gonna be concluding this mission of life. That's not good for your boyfriend if you want to be together longer, selfish. Two, what's the point of sacrificing all this if you're not gonna actually do it? And I usually hate that argument for most people, cuz when most people say it, statistically, they will live into their 60s, 70s, maybe even 80s. So it's like, no, sacrifice for the statistical likelihood that you're gonna do it, that you're gonna make it there.

• 43:30Speaker 01

  13 years is a lot of years to still live.

• 43:33Caleb Hammer?

  It's a lot of years to still live, but it's like you will be sacrificing during that, if we're, if we're doing this correctly. But, I mean, that's 200 milligrams of coffee right there with a heart that you already have, that is surrounded by-

• 43:46Speaker 01

  I am running off of 24 hours of that.

• 43:49Caleb Hammer?

  I understand, I'm just saying, I want us to be objective here, we're talking about, sure, yeah, talking about morbid obesity specifically isn't a financial conversation, but it does involve the entire life that we're having here. What is the point of sacrificing payoff all this debt, getting fully funded emergency fund, and save for a retirement you'll never see?

• 44:08Caleb Hammer?

  Your mom, morbidly obese, had a heart attack in 40 and died. You're living the same lifestyle, BMI over 50. Terrifying. And I know I'm a fat. I get it.

• 44:19Speaker 01

  Your BMI is probably like 20.

• 44:21Caleb Hammer?

  I'm, I'm, I'm barely in the obese category, I'm almost 100.

• 44:25Speaker 01

  We love that.

• 44:26Caleb Hammer?

  Yeah, they're monthly mukbangs and the Hammer Elite membership is not helping, but

• 44:32Caleb Hammer?

  Cheesecake Factory this last time, not helping.

• 44:35Speaker 01

  I've never had Cheesecake Factory.

• 44:36Caleb Hammer?

  Don't.

• 44:38Speaker 01

  Okay. I'll take your word for it.

• 44:40Caleb Hammer?

  Well, a slice of cheesecake is over a thousand calories.

• 44:42Speaker 01

  Really?

• 44:43Caleb Hammer?

  Yes. Uh, okay. Either way, do you understand what I'm saying?

• 44:46Speaker 01

  Yes.

• 44:47Caleb Hammer?

  And this you meal prepping, cooking at home is a kill the bird with two still kill bird. No, no, what is it? What is it?

• 44:55Speaker 01

  Kill two birds with one stone.

• 44:57Caleb Hammer?

  Yeah, well, yeah, two birds with one stone. Living longer via getting healthier. Finance is good.

• 45:06Caleb Hammer?

  We like that.

• 45:10Caleb Hammer?

  What? This isn't even like a sexual thing. What does your do this?

• 45:16Caleb Hammer?

  Mine doesn't.

• 45:21Speaker 01

  Okay.

• 45:22Caleb Hammer?

  So it's very important and it's a very serious thing. Okay. Like, yes, we make jokes and roasts and stuff. As you were well aware and are well aware, yes, that's for the fun of the conversation. Ha, ha, ha, ha, ha. That's real. I do not want you to follow your mom's footsteps. And there's no point in doing this if you.

• 45:40Speaker 01

  I don't want to follow her footsteps either.

• 45:42Caleb Hammer?

  You're doing nothing to change it. I'm sorry. You've probably only got, come on, what's?

• 45:48Caleb Hammer?

  I'm sorry. You, how much do you weigh?

• 45:50Speaker 01

  My biggest, I've been like three oh two right now.

• 45:53Caleb Hammer?

  Do you know what you weigh?

• 45:54Speaker 01

  Two eighty seven.

• 45:55Caleb Hammer?

  And how tall are you?

• 45:56Speaker 01

  Five four ish.

• 45:58Caleb Hammer?

  Hi, listen here, financial audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers in the resources section in the description below. The first one, I've moved my investments to Weebull. Do the same and transfer to my investing app of choice and you get cash bonuses of $200 all the way up to $30,000 depending on initial funding amount. And up to 8.1% APY on your money and up to 3.5 matches for your IRA. And then number two, a great new checking account that I've switched over from SoFi and it's called Chime.

• 46:38Caleb Hammer?

  Get that $550 bonus when you sign up with direct deposit and get almost 4% on your money just sitting there. And then three, automate your investing with Acorns. Usually sign up incentives are only five bucks, but you get $20 with.

• 46:53Speaker 04

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• 47:22Caleb Hammer?

  My link, number four, you can increase your income and boost your resume with a course career certification. Five, if T-Mobile is good in your area, switch to Helium and get a literal $0 a month phone plan for the same exact service. But most importantly, go get your free Hammer financial score and see where you stand in the world of finances. Take the assessment at CalebHammer.com. You will not regret any of these change your life today. Yeah. Okay, so...

• 47:50Speaker 01

  If only I was taller.

• 47:51Caleb Hammer?

  I don't think that's the issue we're dealing with here.

• 47:55Caleb Hammer?

  Okay, so time to take it seriously. And you're not, you don't want to follow her for stuff, so you're doing nothing to change that.

• 48:00Speaker 01

  I feel like I don't have the motivation to want to be healthier.

• 48:04Caleb Hammer?

  Okay, here's the motivation. You won't die in 13 years.

• 48:10Caleb Hammer?

  If that's not a motivation enough, I don't know what is. Death? Death?

• 48:15Speaker 01

  Who knows what my life will be like in 13 years?

• 48:18Caleb Hammer?

  Dead. Probably. Unfortunately. Happened to your mom.

• 48:25Caleb Hammer?

  And that sucked!

• 48:27Speaker 01

  She died in a GameStop parking lot.

• 48:29Caleb Hammer?

  It's the ultimate way to go out, but...

• 48:32Speaker 01

  She was behind the driver's seat. She was about to head home. And like, it happened and she...

• 48:38Caleb Hammer?

  Okay. I'm sorry.

• 48:39Speaker 01

  I'm sorry, I'm not trying to be morbid.

• 48:42Caleb Hammer?

  Well, you're not! No, you are to yourself!

• 48:46Caleb Hammer?

  That's why they call it morbid obesity.

• 48:48Speaker 01

  I wasn't about to say that.

• 48:50Caleb Hammer?

  Well, no, I mean, that is...

• 48:52Speaker 01

  I know.

• 48:52Caleb Hammer?

  That's why, okay.

• 48:53Speaker 01

  Wait, is it?

• 48:54Caleb Hammer?

  I think so, okay, Amazon Chase card.

• 48:56Speaker 01

  Yes.

• 48:57Caleb Hammer?

  $712.76 on here with a minimum payment of $35. Two years to pay this off. You're purchasing still on a card that is, oh, over the limit. This is also over the [bleep] limit by 12 bucks! What are we doing?

• 49:11Speaker 01

  That was probably my Prime membership.

• 49:15Caleb Hammer?

  Maybe pull out your Amazon for me. Hundred seven in interest this year so far. I want to see what you've purchased. We saw what's in your car. I want to see what you've purchased. What you're buying on Amazon. So ridiculous. All this interest is coming in hundred seven this year so far. Substantial balance in these minimums. These payments are going to stack up for your income.

• 49:33Speaker 01

  I, I understand that. And that's why I feel like I'm in the position I am is because of all the minimums.

• 49:39Caleb Hammer?

  Okay, here's the purchases. Uh, we got some bra. We got love stuffed animals hammock. Oh my gosh, hammocks for our stuffed animals.

• 49:48Speaker 01

  Yeah, I had a lot of stuffed animals.

• 49:49Caleb Hammer?

  Stop, stop, stop, stop. Hyperallegenic nose stud, women, men, surgical something. Okay. Sixteen stainless steel keychain. This is all just so stupid, dude. Magic John Tupac iPhone thing. You're already getting iPhone stupid. Great. I don't give a, okay? I don't care. You have no money. What a dream. La Boo Boo case. She got a La Boo Boo case protecting. Oh, we're dying, ladies and gentlemen. The, the La Boo Boo gods heard me about the on this La Boo Boo purchase and.

• 50:26Speaker 01

  I'm not even using the case as the thing.

• 50:28Caleb Hammer?

  She's not even using the case as the thing. Great. She got a protectorate case and then she doesn't even use it. She just keeps it on her.

• 50:36Caleb Hammer?

  Oh, side in box mat. That thing for iPhone. That's for my boyfriend. Flip flops. Just cover your toes, please.

• 50:44Speaker 01

  I am today.

• 50:45Caleb Hammer?

  None of us need that.

• 50:46Speaker 01

  Covering them today.

• 50:47Caleb Hammer?

  Velvet cloak with hood.

• 50:49Speaker 01

  That was for my boyfriend. He was, we were watching Harry Potter and he was feeling very wizardy.

• 50:56Caleb Hammer?

  Oh, I hate you guys. Oh, I'm sorry. What the? What you, you're twenty seven!

• 51:04Speaker 01

  I'm not even really into Harry Potter like that. What house are you?

• 51:08Caleb Hammer?

  What do you think?

• 51:10Speaker 01

  Ravenclaw.

• 51:11Caleb Hammer?

  Slytherin.

• 51:13Speaker 01

  My boyfriend is too. I'm a Hufflepuff.

• 51:20Caleb Hammer?

  Every entrepreneur and business owner is in Slytherin.

• 51:23Speaker 01

  Really?

• 51:24Caleb Hammer?

  Yeah.

• 51:26Caleb Hammer?

  Tress Wellness Hard Wax.

• 51:28Speaker 01

  I had to wash my face.

• 51:30Caleb Hammer?

  Fucking more plushy bullshit. There's some closed toed shoes.

• 51:33Speaker 01

  I'm wearing them right now.

• 51:35Caleb Hammer?

  Good. We're lucky. We're blessed.

• 51:40Caleb Hammer?

  Oh, oh, I got a note that you were absolutely thrilled and absolutely gushing on the phone with Colton that you found out you can affirm on Amazon.

• 51:49Speaker 01

  Yeah.

• 51:52Caleb Hammer?

  Wonderful. Great. New financial unlocked.

• 51:58Speaker 01

  That's what most of my affirms usually are, is Amazon purchases.

• 52:04Caleb Hammer?

  Well, something else we will be getting to affirm then.

• 52:09Caleb Hammer?

  Merrick Bank Visa. Okay, it's a credit card.

• 52:14Speaker 01

  Yes.

• 52:15Caleb Hammer?

  Purchasing again on a card that is over the limit. This is three in a row. We've looked at three cards that are all over the limit. This one's over the limit by $12. What the are you doing? You don't care about anything. You don't give a do you?

• 52:25Speaker 01

  I do.

• 52:26Caleb Hammer?

  Dude, you're over the limit on the three cards we've looked at. Please explain to me any kind of indication that suggests you care.

• 52:33Speaker 01

  I'm here.

• 52:34Caleb Hammer?

  That is, come on. I like, that's exciting. I'm glad, but you haven't shown in your actions that you care. Good. You stand in front of a camera for two hours. I mean, that's not insignificant. I don't want to discount that, but it's like you're not doing anything in your own actions and finances.

• 52:49Speaker 01

  That's why I'm here because I want to be able to be able to take those actions and be better.

• 52:55Caleb Hammer?

  I hope so. $612.60 minimum monthly payment, $35. What?

• 53:00Speaker 01

  I was confused because when I first opened the card, it was um like a 500 um credit limit.

• 53:06Caleb Hammer?

  Probably went up.

• 53:07Speaker 01

  It did.

• 53:07Caleb Hammer?

  Great.

• 53:08Speaker 01

  I remember because when I used it.

• 53:10Caleb Hammer?

  $14.86 of interest accrued after you purchased, pushed it up above. Great. Listen, you can use the Fizz card. At least it's a debit card that builds credit. That's what I would allow you to do. And if you ever want to get a big girl job, I'll get you a course career certification so you can build your resume and do that.

• 53:25Caleb Hammer?

  I'll help you with either of those things, but listen, what's the critical purchase we did? McDonald's. Shocker. Laundry cat? You don't have laundry in apartment? Okay, that's fine. We will budget that in.

• 53:36Speaker 01

  I've recently started going to my aunt's house. She's like 15 ish minutes away from me.

• 53:41Caleb Hammer?

  Well, that's fine as well. And if you have to pay for laundry, that's okay. Like it is. Like if you don't have it in the place, that's fine. I'm okay with that. Uh, but the McDonald's, what the [__] are we doing? And then pushing it about the credit limit? Not paying off a card takes two years to pay off minimum payments without purchasing, but you can't not go to McDonald's. That's all you do.

• 53:55Speaker 01

  It's like five minutes away from the house.

• 53:57Caleb Hammer?

  Why does that matter? It's money you don't have.

• 54:00Speaker 01

  It's right there.

• 54:01Caleb Hammer?

  Why does that matter if it's money you don't have? There's McDonald's everywhere. That's kind of what they're known for.

• 54:08Caleb Hammer?

  What's your McDonald's order?

• 54:09Speaker 01

  Um, so lately I've been getting like the two cheeseburgers and a fry. Like the two cheeseburger meal and a fry.

• 54:17Caleb Hammer?

  Two cheeseburgers?

• 54:18Speaker 01

  Yeah, they're small.

• 54:25Speaker 01

  Sometimes I'll get a hot and spicy.

• 54:27Caleb Hammer?

  Huh?

• 54:28Speaker 01

  Sometimes I'll get a hot and spicy instead.

• 54:31Caleb Hammer?

  No drink?

• 54:32Speaker 01

  Yeah, I'll get um, either Dr. Pepper or Hi-C.

• 54:35Caleb Hammer?

  What size?

• 54:37Speaker 01

  Large.

• 54:40Caleb Hammer?

  Forty years old, huh?

• 54:45Speaker 01

  I feel like I balance like the sodas out because I do drink a lot of water.

• 55:01Caleb Hammer?

  I wish I, I wish it wasn't so [__] saying that to laugh to. It's like you, that is your literal life. It's, it's, it's tragic. Okay, Capital One, what's going on with this?

• 55:12Speaker 01

  Which one?

• 55:13Caleb Hammer?

  It's just, oh, Platinum.

• 55:15Speaker 01

  Which one? I have two.

• 55:18Caleb Hammer?

  Uh, World? Huh? Capital Platinum Card, World Mastercard.

• 55:23Speaker 01

  World?

• 55:25Caleb Hammer?

  That's what it says. I don't know.

• 55:26Speaker 01

  Um, probably wanted something that I didn't have the money for.

• 55:30Caleb Hammer?

  Oh, good. Yeah. It's a balance of $508. Does that help narrow it down?

• 55:35Speaker 01

  Uh, not really.

• 55:36Caleb Hammer?

  How could I tell you which one then if not the balance would even answer it?

• 55:41Caleb Hammer?

  She's over the credit limit, four in a row now, four in the row now, she's over the limit, the limit's 500. You're over the limit of everything dude, you're over the BMI limit, you're over on all the credit limits, you're just

• 55:53Speaker 01

  It was probably interest that brought it over.

• 55:56Caleb Hammer?

  No, you dumb, I'm sorry, I'm sorry, I'm sorry, I'm sorry, shh, quiet, that is, that is ridiculous. The interest alone, if you did not purchase and you made a minimum payment, would not do it. It would never do it, never, never, not even on a payday loan would it do it.

• 56:12Speaker 01

  What did I purchase on that card?

• 56:14Caleb Hammer?

  I will get into that, I need you to know that, it would not do that.

• 56:18Speaker 01

  Okay.

• 56:18Caleb Hammer?

  The minimum monthly payment is constructed in a way where you will pay it off, it will not just endlessly go off. It might take forever, but it will be paid off. But if you make a payment and it goes $2 under the limit, then you make a $20, $2.12 purchase, no after the interest then hits, it goes above, nope, that's how it works, it's only because you purchased, because you made the choices. Choices, yours.

• 56:47Caleb Hammer?

  What?

• 56:48Speaker 01

  Was that Taco Bell or McDonald's?

• 56:50Caleb Hammer?

  It was DoorDash, and what you said you didn't do, you dumb tit, Popeyes, then you went into a gas station and got probably a Celsius or something.

• 56:57Speaker 01

  I usually drink Monster.

• 56:59Caleb Hammer?

  Great, you went into the gas station and got some Monster.

• 57:01Speaker 01

  Probably.

• 57:02Caleb Hammer?

  Is it Monster Zero?

• 57:03Speaker 01

  No. I like

• 57:05Caleb Hammer?

  For what it's worth, those things are so calorically dense, they're insane.

• 57:08Speaker 01

  What do you mean dense?

• 57:10Caleb Hammer?

  As in they have a ton of calories.

• 57:12Speaker 01

  Oh.

• 57:13Caleb Hammer?

  For the amount that you're consuming. What is, what is the calorie, Brandon, do you know, you, you drink that shit, don't you? No, a Monster.

• 57:21Speaker 04

  Oh, not a Monster, that's disgusting.

• 57:23Caleb Hammer?

  Uh, well, no, no, no, we established on fat and fatter, it is actually quite yummy, but it's but it's like disgusting in terms of health, but it, but it's yummy.

• 57:32Speaker 04

  Monsters are like 200 calories a Monster.

• 57:34Speaker 01

  This is like 10 calories.

• 57:36Caleb Hammer?

  Yeah, because it's Celsius.

• 57:38Speaker 01

  But the pipeline punch is so good.

• 57:42Speaker 01

  It's the best flavor.

• 57:43Caleb Hammer?

  I'm Googling it. The normal one's 230. It's probably similar. It's actually a little lower for what it's worth.

• 57:47Speaker 01

  Oh, really?

• 57:48Caleb Hammer?

  Um, uh, 200.

• 57:51Speaker 01

  Jazz hands.

• 57:52Caleb Hammer?

  We're on a diet.

• 57:54Speaker 01

  Who's on a diet?

• 57:55Caleb Hammer?

  Great. So we got a monster and we DoorDash Popeyes, of which, again, we said we did not do, ever.

• 58:01Speaker 01

  I never said I never did it.

• 58:03Caleb Hammer?

  It's kind of what you were at least suggesting through your language. Replay it, throw it in. Not as expensive as DoorDash. What?

• 58:09Speaker 01

  I don't DoorDash. I'll go like go and pick something up.

• 58:11Caleb Hammer?

  It's not as expensive as that. Come on. That's what it at least sounded like with your words you were saying.

• 58:16Speaker 01

  Because you made it sound like I only DoorDash, like once did DoorDash.

• 58:22Caleb Hammer?

  This is crazy. You pushed it over the limit for Monster and Popeyes.

• 58:29Speaker 01

  I probably needed a Monster that morning.

• 58:32Caleb Hammer?

  There's no such thing.

• 58:33Speaker 01

  Yes, there is.

• 58:34Caleb Hammer?

  As need?

• 58:35Speaker 01

  If I didn't get a good night's sleep, I need something to keep me awake.

• 58:39Caleb Hammer?

  Buddy, then you were just keeping that cycle going.

• 58:41Speaker 01

  What do you mean?

• 58:42Caleb Hammer?

  If you are overcompensating by not getting enough sleep and not keeping your caffeine at a baseline level, you're overcompensating. You are gonna make it harder to sleep still.

• 58:51Speaker 01

  It's not that I don't get enough sleep. I just don't sleep good.

• 58:54Caleb Hammer?

  No, I'm sorry. But that that is how that works medically.

• 59:00Speaker 01

  It's probably because I have sleep apnea.

• 59:02Caleb Hammer?

  Yes, that's what I'm saying.

• 59:04Speaker 01

  I'm supposed to have a sleep apnea machine.

• 59:05Caleb Hammer?

  No, yeah, let's just get to the grave quicker. Come on. I'm not saying that it's an insult. This is like not a surprise. It's like you can solve these issues by doing just a couple of things that we're talking about that also improve your finances.

• 59:22Caleb Hammer?

  Okay, interest, yeah, 82 bucks. Yeah, 29% rate. Okay, we got a venture one card.

• 59:28Speaker 01

  Okay.

• 59:28Caleb Hammer?

  What's going on with this? Is it, I probably got something I couldn't afford? Or is there a little more information, perhaps? A little more reflection?

• 59:36Speaker 01

  I want to.

• 59:40Caleb Hammer?

  All right, ladies and gentlemen, get her on Rogan immediately.

• 59:42Speaker 01

  What's Rogan?

• 59:46Caleb Hammer?

  You're a cable TV watcher? Is that what the TV you're watching all day?

• 59:49Speaker 01

  No, we use streaming services.

• 59:54Caleb Hammer?

  Do you use YouTube?

• 59:55Speaker 01

  Yeah.

• 59:56Caleb Hammer?

  Listen, it's okay if you don't watch, but the fact that you just don't know, I'm a little concerned.

• 1:00:00Speaker 01

  I do watch you.

• 1:00:01Caleb Hammer?

  Out of just...

• 1:00:01Speaker 01

  I was listening to your pod.

• 1:00:03Caleb Hammer?

  Not me. It's okay if you don't watch him, that's, that's fine. I'm not, I'm not advocating for that specifically.

• 1:00:07Speaker 01

  Is he another finance?

• 1:00:08Caleb Hammer?

  Dude, it's just the top podcast. And it's okay if you don't like it or like it. I'm not, I'm not, I'm not, I'm not suggesting that. I'm just like, it's literally the top. So it's like, how do you not know that? Like, what cultural blindness do we have?

• 1:00:18Speaker 01

  Yeah.

• 1:00:19Caleb Hammer?

  I lost the paper for the last one. I need to know the minimum monthly payment for the Capital One Platinum that we went through.

• 1:00:26Speaker 01

  All of them are 25, the minimum.

• 1:00:28Caleb Hammer?

  Okay, 25.

• 1:00:29Speaker 01

  Yeah, all for, for all Capital One ones.

• 1:00:31Caleb Hammer?

  Okay, this Capital One Venture is also a 25 at a $506 balance. It is. It's over the limit. Good, dude. This is five in a row. This is five in a row.

• 1:00:41Speaker 01

  Five for five.

• 1:00:42Caleb Hammer?

  Colton's saying all you watch is Supernatural, so I don't want to hear it.

• 1:00:44Speaker 01

  Yeah.

• 1:00:45Caleb Hammer?

  No, well then, yeah, I'm not surprised you don't know who people are.

• 1:00:48Speaker 01

  I...

• 1:00:49Caleb Hammer?

  That's fine.

• 1:00:50Speaker 01

  Use that card to go to a Supernatural convention.

• 1:00:55Caleb Hammer?

  Is this Supernatural an old show?

• 1:00:57Speaker 01

  Yes, but they still do conventions. They still do conventions.

• 1:01:01Caleb Hammer?

  That we go over a limit for?

• 1:01:03Speaker 01

  Yes.

• 1:01:04Caleb Hammer?

  Oh my goodness. From the cloaks to become wizards to Supernatural conventions to being maxed out on every card plus more? Oh, what are we doing? There's just, there's no indication that you actually do care. I'm sorry. You say I care, and that's why I'm sitting in this seat?

• 1:01:19Speaker 01

  That was a couple of years ago. That was the reason I opened that card.

• 1:01:22Caleb Hammer?

  But it isn't. Either way, you are over now and you got the cloak last month, so I don't want to hear it.

• 1:01:26Speaker 01

  The cloak has nothing to do with Supernatural.

• 1:01:28Caleb Hammer?

  I am talking about your spending behavior. Why are you laughing?

• 1:01:34Speaker 01

  I don't know. I'm sorry.

• 1:01:38Caleb Hammer?

  You're taking this seriously?

• 1:01:40Speaker 01

  No. Um, yes, I'm sorry.

• 1:01:42Speaker 00

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• 1:02:12Speaker 01

  Wait, no, that was, I am taking this seriously, I'm sorry.

• 1:02:16Caleb Hammer?

  Two years to pay this off, it was Disney Plus. Yep, there's a subscription. We got, we're keeping Disney Plus on a card that is over the limit. Well done, you're never gonna be debt-free.

• 1:02:27Speaker 01

  That's what brought it over the limit.

• 1:02:28Caleb Hammer?

  No shit, and that, guess what, believe it or not, charges on a reoccurring basis. So, that's gonna keep it over the limit. Yeah?

• 1:02:38Speaker 01

  Recently, I made like a bigger payment, like a minimum payment, so hopefully it won't go over again.

• 1:02:46Caleb Hammer?

  Doubt, cuz that's not how this works, dude. It's just gonna keep going cuz there's more, this is more money. Alright, another platinum card, so we'll call this the second platinum. Four hundred fifty-six dollars and eighty-one cents. Wow, the first time we're not over. Well done, you're about forty bucks to get there, but, okay, thrilling, twenty-five dollar minimum payment. Two years to pay this off, they're all two years, but that's if you don't purchase. And you didn't purchase on this, cuz it's like the first one we didn't purchase on, so it didn't go over. I'm sure you will, well, now that there's the ability to purchase. Thirty-one point two-four percent interest rate.

• 1:03:21Speaker 01

  You don't wanna know my car, but, interest rate.

• 1:03:24Caleb Hammer?

  Huh?

• 1:03:24Speaker 01

  You don't wanna know my car.

• 1:03:26Caleb Hammer?

  Well, in fact, I do, but we'll find out when we get to it, for fuck's sake.

• 1:03:29Speaker 01

  Cuz if you think that's bad.

• 1:03:31Caleb Hammer?

  Well!

• 1:03:33Caleb Hammer?

  Okay. Okay, we have a Target card of which we didn't send a statement. We sent...

• 1:03:40Speaker 01

  That...

• 1:03:41Caleb Hammer?

  We sent a screenshot of the "Download Your Statement" page. And there's all the months of her statements instead of actually clicking...

• 1:03:48Speaker 01

  The statement is really small at the top. It wouldn't let me download it. I can try to read it for you. I can read... I have eyes. Okay, okay. Oh, I'm sorry. I didn't know if you were nearsighted or farsighted.

• 1:03:59Caleb Hammer?

  But I have glasses.

• 1:04:00Speaker 01

  That doesn't matter.

• 1:04:02Caleb Hammer?

  $366.60. You're under by 30 bucks. Yeah, but you're Target-obsessed, aren't you?

• 1:04:08Speaker 01

  I used to be.

• 1:04:09Caleb Hammer?

  That's how you get your steps in. $366.30 minimum monthly payment.

• 1:04:17Caleb Hammer?

  15 months to pay this off. Again, no purchases, but $8.88 of interest this last month.

• 1:04:23Speaker 01

  So if there's been no purchases... Oh, never mind. I'm thinking of something else.

• 1:04:28Caleb Hammer?

  Ah, man, this just keeps going. Are we... Are we... Are we making a third Fat Stack week at this point? This is crazy. This week has been the most insane week of filming I've ever experienced. And that's why the wink... The wink... The ink is so dull. Because we've... We've just... We're just running out of ink with you people. This is crazy this week.

• 1:04:46Speaker 01

  Print in black and white then.

• 1:04:47Caleb Hammer?

  Huh?

• 1:04:47Speaker 01

  Print in black and white.

• 1:04:48Caleb Hammer?

  Dude, this... This is...

• 1:04:50Speaker 01

  It's orange.

• 1:04:51Caleb Hammer?

  Yeah, but the black and white is what's... Oh, you... Yeah, I hate you. No, I don't. That's not true. Just, I don't... I hate that moment. Torrid! What's going on, Torrid?!

• 1:05:02Speaker 01

  I purchase clothes with that card, like, when I need them.

• 1:05:08Caleb Hammer?

  Why would you need more? You already have.

• 1:05:10Speaker 01

  It was initially open because I needed some pants for work.

• 1:05:13Caleb Hammer?

  You did not have pants.

• 1:05:14Speaker 01

  Not that specific type, no. And it was Black Friday.

• 1:05:17Caleb Hammer?

  Okay, so we got 200... Or $352.34 of pants?

• 1:05:22Speaker 01

  No.

• 1:05:22Caleb Hammer?

  Single pair?

• 1:05:23Speaker 01

  I... That... When I opened that card, that was the reason I bought it.

• 1:05:26Caleb Hammer?

  Right.

• 1:05:27Speaker 01

  Opened it. That was... Yeah.

• 1:05:30Speaker 02

  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.

• 1:05:48Caleb Hammer?

  Well, then take the train, Jeff!

• 1:05:50Speaker 02

  And brand-new shows, Fat and Fatter.

• 1:05:53Caleb Hammer?

  That is... That one is... I would go off-brand.

• 1:05:58Speaker 02

  Behind the Audit.

• 1:06:00Speaker 04

  Well, this was wild!

• 1:06:02Speaker 02

  Shop Smart.

• 1:06:07Speaker 02

  And now, upgrading from one livestream 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.

• 1:06:24Caleb Hammer?

  You guys are destroying your financial future. Spending like you have unlimited money, but you're just going further in the hole. What do you mean? You have a literal $1,100 monthly car payment! Yeah, it's getting a little tight. $264 in monthly subscriptions! I didn't know we had that many. You guys have to take control of your finances. How? Just download the Dollar Wise Budgeting app. It shows all of your expenses in one place. It helps you monitor your finances so you're not blowing hundreds of dollars a year on things you don't need. Download the Dollar Wise Budgeting app today and take advantage of your free trial. And now, I mean, you're still purchasing. You've got something at Torrid for $56,078 cents.

• 1:07:08Speaker 01

  That was probably a new bra.

• 1:07:10Caleb Hammer?

  You did not have bras.

• 1:07:13Caleb Hammer?

  You did not have bras.

• 1:07:14Speaker 01

  Not one that fit me properly, no.

• 1:07:16Caleb Hammer?

  Are boobs fluctuating endlessly?

• 1:07:18Speaker 01

  Different types fit differently. Like, different styles. They have different styles.

• 1:07:22Caleb Hammer?

  Why didn't you have, by 27, bras that fit you?

• 1:07:26Speaker 01

  Huh? That's not the only thing I've bought.

• 1:07:29Caleb Hammer?

  I'm just confused how you had to spend this. Like, of 27 years, you never got bras that worked.

• 1:07:38Speaker 01

  I purchased more than bras with that card.

• 1:07:40Caleb Hammer?

  No, you said this was bras, though. This purchase.

• 1:07:44Speaker 01

  Like, the most recent purchases, recent purchase was a bra.

• 1:07:47Caleb Hammer?

  And I'm confused how you did not have any bras that fit you.

• 1:07:50Speaker 01

  Because I was buying the wrong style.

• 1:07:52Caleb Hammer?

  For 27 years?

• 1:07:54Speaker 01

  I guess.

• 1:07:57Caleb Hammer?

  Oh, for fuck's sake. Okay, 11 hours and one cent of interest is accruing. Yeah, it's close to the limit. At least you're not over. Oh, you've had a late fee this year so far. Well done.

• 1:08:07Speaker 01

  Um. I don't remember that.

• 1:08:11Caleb Hammer?

  I'm sure you don't.

• 1:08:13Caleb Hammer?

  Thirty-five! Thirty-five point nine-nine percent interest. Oh, that's insanity. That is disgusting. Never even fucking seen that on a credit card, as far as I remember. Oh, okay, let's keep going. Let's keep going. Zable. What the fuck is a zable? You're getting things that are just like made up British words. Oh, zable, oh, good, good, zable, zable. Oh, zable card, so I can get my fleabum.

• 1:08:41Caleb Hammer?

  What the fuck is this?

• 1:08:42Speaker 01

  That's a credit card.

• 1:08:48Caleb Hammer?

  Wonderful answer. Ladies and gentlemen, get her on Theo Von next.

• 1:08:53Caleb Hammer?

  Our interview queen. What's going on with it, perhaps?

• 1:08:57Speaker 01

  I use it for food, I think, mostly.

• 1:09:01Caleb Hammer?

  Okay. Yeah, $26.58 of purchases, $8.84 of interest. Oh, we're over the limit once more! $301.63, $25 minimum monthly payment.

• 1:09:16Caleb Hammer?

  Yeah, we DoorDash Subway. So, so far, we've had a few going out to eat, but two out of three of them have been DoorDashing. And are we still sure the majority's not DoorDash? Because right now, the majority is leaning towards DoorDash. I'm sure we're gonna get a lot more on checking, because, oh, you spent a lot.

• 1:09:30Speaker 01

  No, a lot of the, like, charges on my checking for food is, like, drive-through.

• 1:09:34Caleb Hammer?

  Well, it's funny, because you don't have the room to purchase it on your credit cards, or else you would. They're all maxed out, and many over.

• 1:09:41Speaker 01

  Yeah.

• 1:09:42Caleb Hammer?

  Crazy. Why, in your financial situation, $15 an hour, are we getting so much DoorDash in a month? Like, that's insane. Is that not insane?

• 1:09:50Speaker 01

  I'll bring lunch. Like, I'll bring, like, a frozen.

• 1:09:53Caleb Hammer?

  Dude, I don't even need to hear that. I'm asking, is it not insane that you alone are getting DoorDash? At $15 an hour?

• 1:10:02Speaker 01

  It might be insane, yeah.

• 1:10:03Caleb Hammer?

  Yes, it is.

• 1:10:05Speaker 01

  It might be.

• 1:10:06Caleb Hammer?

  It is. Quick silver card.

• 1:10:08Speaker 01

  Um, that one

• 1:10:14Speaker 01

  may have been for an

• 1:10:19Speaker 01

  a purchase.

• 1:10:22Caleb Hammer?

  Wow.

• 1:10:22Speaker 01

  Obviously, I'm sorry. No, stop.

• 1:10:25Caleb Hammer?

  Thirty seconds to really get to that fucking, now really insightful.

• 1:10:31Speaker 01

  I was trying to remember the exact purchase.

• 1:10:32Caleb Hammer?

  I can't even think of another interview show we should get her on. Let's get her on Jimmy Kimmel.

• 1:10:38Speaker 01

  Um, maybe Amazon.

• 1:10:42Speaker 01

  Even though I have an Amazon.

• 1:10:43Caleb Hammer?

  You didn't even purchase, dude. You didn't even purchase. It's pretty close to max out, but you didn't even purchase. Okay, you made your minimum payment of 25 bucks and that was it.

• 1:10:53Caleb Hammer?

  The six hours and 31 cents of interest accrued.

• 1:10:57Caleb Hammer?

  We've made it to a firm.

• 1:11:00Caleb Hammer?

  And it's 36% interest rate. Oh, I'm losing hope on this one. Who? Who's too many fat stacks this week? That is not making fun of your weight. That is the amount of paperwork.

• 1:11:12Caleb Hammer?

  But I guess by saying I wasn't making fun of your weight, I called attention to us, so.

• 1:11:17Speaker 01

  Even if you were, it's okay.

• 1:11:19Caleb Hammer?

  I know.

• 1:11:22Caleb Hammer?

  Well, I wouldn't be saying it if it wasn't already allowed. I don't just make fun of people without their permission.

• 1:11:29Caleb Hammer?

  $447.50 is owed on here.

• 1:11:33Speaker 01

  That is for concert tickets.

• 1:11:36Caleb Hammer?

  To who? The fat IPs?

• 1:11:40Speaker 01

  Boom.

• 1:11:42Caleb Hammer?

  I'm gonna kill myself.

• 1:11:44Speaker 01

  Um, take a wild guess. Just guess.

• 1:11:47Caleb Hammer?

  Get me on Kill Tony.

• 1:11:50Caleb Hammer?

  Fat and black doesn't even sound similar. What did I do? I'm like, I'm literally constructing noose, every noose ever right now. I need to just.

• 1:11:59Speaker 01

  You really are trying to make fun of my weight.

• 1:12:03Caleb Hammer?

  Huh?

• 1:12:03Speaker 01

  You said the fat IP.

• 1:12:05Caleb Hammer?

  Oh, you're going back to that?

• 1:12:06Speaker 01

  You were just so.

• 1:12:07Caleb Hammer?

  I was making fun of myself, though, how horrendous that was. Phew. Like, it didn't, it wasn't even, it wasn't even bad enough to get a smirk from anyone in the room. You know how a joke can be so bad that it gets a smirk?

• 1:12:20Caleb Hammer?

  Not even that.

• 1:12:21Speaker 01

  So, that's, um, I'm going to see Twenty One Pilots in October.

• 1:12:25Caleb Hammer?

  What the could they been up to? They're, this 2015. They, they, they, that's, they're done.

• 1:12:31Speaker 01

  Honest, like, Tyler said after this tour, they don't know when they'll be touring again.

• 1:12:34Caleb Hammer?

  Who's Tyler?

• 1:12:35Speaker 01

  One of the guys.

• 1:12:36Caleb Hammer?

  Is that your boyfriend?

• 1:12:37Speaker 01

  No, one of the guys on Twenty One Pilots.

• 1:12:39Caleb Hammer?

  You can't just name drop people. Well, I don't know.

• 1:12:40Speaker 01

  Well, you said 2015, so I thought you knew who they were.

• 1:12:43Caleb Hammer?

  I know who they are. Why would I know their surnames?

• 1:12:46Speaker 01

  I thought you knew their names, because you knew

• 1:12:48Caleb Hammer?

  No!

• 1:12:48Speaker 01

  that they were popular in 2015.

• 1:12:50Caleb Hammer?

  I know a lot of bands. I don't know their names.

• 1:12:52Speaker 01

  Well, yeah.

• 1:12:53Caleb Hammer?

  Why the would I care?

• 1:12:54Speaker 01

  Tyler is the, um, like singer.

• 1:12:56Caleb Hammer?

  I know Tyler, the creator's name is Tyler.

• 1:12:59Speaker 01

  Well, the singer's name is Tyler, too. But he said that they don't know when they'll be touring again after this tour.

• 1:13:04Caleb Hammer?

  Well, that's because they've heavily fallen off.

• 1:13:07Speaker 01

  No, it's because they've been touring a lot.

• 1:13:10Speaker 01

  They have not heavily fallen off. Don't even play with me.

• 1:13:14Speaker 01

  I.

• 1:13:15Caleb Hammer?

  Dude, I like their music in 2015.

• 1:13:18Speaker 01

  Have you listened to their new stuff?

• 1:13:20Caleb Hammer?

  Nobody has. That's the point.

• 1:13:21Speaker 01

  I have.

• 1:13:23Caleb Hammer?

  And I guess you make up for at least three people, so.

• 1:13:27Caleb Hammer?

  That's helping them get there.

• 1:13:29Speaker 01

  But, um, I was supposed to be going with a friend and her husband, but that's not happening anymore.

• 1:13:35Caleb Hammer?

  Which one? I don't care. Great. So you purchased something for, it's barely not even happening anymore. You're going alone. Wonderful.

• 1:13:41Speaker 01

  She.

• 1:13:42Caleb Hammer?

  Hey, what's your minimum monthly payment on this?

• 1:13:45Speaker 01

  Forty.

• 1:13:46Caleb Hammer?

  Wonderful. This will be paid off in, by when you're forty.

• 1:13:50Speaker 01

  She's still paying me for her and her husband's half, because she went behind my back and bought concert tickets for a different concert that same day in a different, um.

• 1:13:58Caleb Hammer?

  What band?

• 1:14:00Speaker 01

  A K-pop group.

• 1:14:01Caleb Hammer?

  Now, that seems valid.

• 1:14:03Speaker 01

  What do you mean?

• 1:14:04Caleb Hammer?

  I don't know, but at least people listen to them.

• 1:14:06Speaker 01

  You don't even know, you don't even know the group.

• 1:14:08Caleb Hammer?

  No, but K-pop's huge right now.

• 1:14:10Speaker 01

  K-pop has been huge.

• 1:14:11Caleb Hammer?

  Exactly.

• 1:14:13Speaker 01

  We just saw.

• 1:14:13Caleb Hammer?

  Guess who's not? Guess who is?

• 1:14:16Speaker 01

  We just.

• 1:14:16Caleb Hammer?

  Sorry. I can't. I'm sorry.

• 1:14:22Caleb Hammer?

  Okay, what is this affirm that is 120?

• 1:14:27Caleb Hammer?

  I would never make these jokes if it wasn't for this. I mean, kind of here and there with my friends. Sure. $126.81 at a 36% interest rate. What is this?

• 1:14:36Speaker 01

  It's probably Sheen.

• 1:14:37Caleb Hammer?

  It was Sheen. Wonderful.

• 1:14:39Speaker 01

  For my two La Boo Boo's.

• 1:14:41Caleb Hammer?

  From Sheen?

• 1:14:42Speaker 01

  They're authentic.

• 1:14:46Caleb Hammer?

  You want me to jack you off? What do we?

• 1:14:48Speaker 01

  I don't have that for you to do that.

• 1:14:50Caleb Hammer?

  We can still call it that, but it's.

• 1:14:54Speaker 01

  I can't get them off Popmart.

• 1:14:55Caleb Hammer?

  You shouldn't get them.

• 1:14:57Speaker 01

  I wanted them.

• 1:14:58Caleb Hammer?

  Within the last year, she has affirmed $700 of La Boo Boo's.

• 1:15:04Speaker 01

  Yeah.

• 1:15:05Caleb Hammer?

  Great. Well, we're paying 36% interest on La Boo Boo, making a multi, multi billionaire even more multi, multi. Wonderful. And that fad's already kind of already going, so.

• 1:15:14Speaker 01

  Not really. They're still really hard to get.

• 1:15:15Caleb Hammer?

  Oh, my God. It's just like 21 Pilots. Come on. It's like you're not recognizing the trend. They're not as relevant as they were a few months ago.

• 1:15:22Speaker 01

  First of all, quit coming for 21 Pilots. They didn't do anything to you.

• 1:15:26Caleb Hammer?

  10 years ago.

• 1:15:27Speaker 01

  Exactly. You might. I don't know what you should listen to.

• 1:15:32Caleb Hammer?

  Sabrina. So Chime, and I like Chime. I mean, they're the high yield savings account that we market. And I'm okay, again, with like pay advance stuff. There are way to finesse it. You and people on the show do not, and it is anti you. Now, hopefully you're not even using that. You didn't. Okay, good.

• 1:15:49Speaker 01

  I've used it once. You're talking about like borrowing from like my.

• 1:15:53Caleb Hammer?

  Yeah, you just get. Well, you get your check early, but yeah.

• 1:15:55Speaker 01

  Yeah, I've done it.

• 1:15:56Caleb Hammer?

  Well, okay, so nothing really happened in this account. Okay, now Experian.

• 1:16:02Caleb Hammer?

  Goodyear Tire?

• 1:16:04Speaker 01

  Yes. I have a Goodyear card.

• 1:16:06Caleb Hammer?

  I wish we could have gotten a statement for that, but okay.

• 1:16:09Speaker 01

  I sent a screenshot.

• 1:16:10Caleb Hammer?

  Of your experience?

• 1:16:12Speaker 01

  No, of the Goodyear card.

• 1:16:19Caleb Hammer?

  Okay, well, I don't know. It's a hundred, or it's a thousand one hundred twenty-five dollars with a thirty twenty-five over the limit somehow. Great. But what's your minimum payment? Forty? Great. Wonderful. What's the interest rate?

• 1:16:35Caleb Hammer?

  Did you struggle to breathe?

• 1:16:36Speaker 01

  No, I don't know my interest rate.

• 1:16:38Caleb Hammer?

  Okay, what's your minimum payment on that, La Boo Boo?

• 1:16:42Speaker 01

  A little boo boo? Uh, I think like eleven or twelve.

• 1:16:45Caleb Hammer?

  Yeah, I forgot to write that down. Okay, Best Egg. It's not New Egg. I don't know what Best Egg is. What's Best Egg?

• 1:16:51Speaker 01

  That's a personal loan.

• 1:16:53Caleb Hammer?

  Good. For wh- oh, no. Yes, it totally is. Three thousand, three hundred eighty-two dollars and fifty cents. What? For what?

• 1:17:03Speaker 01

  Uh, that was also for the Supernatural Convention.

• 1:17:06Caleb Hammer?

  Oh, what? This is three thousand, three hundred eighty-two dollars?

• 1:17:11Speaker 01

  The loan was for five thousand. It didn't all go towards-

• 1:17:14Caleb Hammer?

  How much did?

• 1:17:16Speaker 01

  Like a thousand?

• 1:17:17Caleb Hammer?

  Ah, where'd the rest of it go?

• 1:17:21Speaker 01

  Towards trying to pay my debt.

• 1:17:23Caleb Hammer?

  So, and that clearly worked so well, and then the credit limit, if you do not change your behavior before you consolidate your debt, you will end up with double the debt.

• 1:17:31Speaker 01

  I've learned-

• 1:17:32Caleb Hammer?

  Because they rake it right the back up. Here, it's up again, and this is another prime example.

• 1:17:37Speaker 01

  I've learned that the hard way.

• 1:17:39Caleb Hammer?

  Wait, oh, for f***ing sake, what did you do yesterday with this loan? Or the day before, you had a phone call. What did you do? What did you do? Tell them right now. Tell the audience right now.

• 1:17:49Speaker 01

  I had to ask for an extension. No, because when I got in my car acc-

• 1:17:56Caleb Hammer?

  Ah!

• 1:17:57Speaker 01

  When I got in my car accident in August, I was out of work for a few days.

• 1:18:00Caleb Hammer?

  This was totally called in the green room right before filming this!

• 1:18:04Speaker 01

  Well, yeah, because I just asked for the extension yesterday because my payment was about to come up, like, literally tomorrow.

• 1:18:09Caleb Hammer?

  I'm glad we're getting doordashed within the last month. I'm glad we're getting Klarna La Boo Boo's within this last month. Now we have to call and get our loan extended. Well done. Maturity at its prime. Great. What is the interest rate on this f***ing thing, huh?

• 1:18:22Speaker 01

  I don't know.

• 1:18:23Caleb Hammer?

  Great, well, neither do I because it's not on here. How do you not know anything?

• 1:18:27Speaker 01

  I can look it up if you want.

• 1:18:29Caleb Hammer?

  No, I'm gonna calculate it.

• 1:18:30Speaker 01

  Okay. I asked for like-

• 1:18:35Speaker 01

  X.

• 1:18:37Caleb Hammer?

  What?

• 1:18:38Speaker 01

  I asked for a month extension and they-

• 1:18:40Caleb Hammer?

  You asked?

• 1:18:41Speaker 01

  And they gave me two.

• 1:18:43Speaker 01

  So now I don't have a payment till November.

• 1:18:46Caleb Hammer?

  It's a 28% interest rate, 29.

• 1:18:53Caleb Hammer?

  Oh, he went to a Pokemon convention too, wonderful.

• 1:18:55Speaker 01

  Yeah, well, a couple of years, no, last year.

• 1:18:57Caleb Hammer?

  Alright, this, oh, she has a payday loan.

• 1:19:02Speaker 01

  That's not a payday loan!

• 1:19:04Caleb Hammer?

  It says payday loan!

• 1:19:06Speaker 01

  No, that's pay-

• 1:19:07Caleb Hammer?

  Oh, it says payday loan, sorry, I'm going from your existence in front of me. You're right, but the product is called Grow Up, that would be nice.

• 1:19:14Speaker 01

  I have, that's my Gerber life insurance policy that my mom took out for me when I was young.

• 1:19:18Caleb Hammer?

  Okay, well, that's-

• 1:19:22Speaker 01

  And I took a loan out from that to try to consolidate my debt.

• 1:19:30Caleb Hammer?

  Oh, good.

• 1:19:32Speaker 04

  Purchase new carpet from The Home Depot and get it installed for free right now. Shop the stylish choices and simple pricing of carpet from Home Decorator's Collection, Traffic Master, or Life Proof with Pet Proof Technology, and see for yourself why nobody beats our prices. Enjoy new carpet with free installation right now at The Home Depot. Offer valid October 15th through November 1st, 2026. Exclusions apply. For licenses, see homedepot.com/license numbers.

• 1:20:01Caleb Hammer?

  Jeff, oh, you're, you're collecting infinity stones! This is insane! And what did you use it for?

• 1:20:09Speaker 01

  To try to consult-

• 1:20:10Caleb Hammer?

  What loans?

• 1:20:11Speaker 01

  Credit cards.

• 1:20:12Caleb Hammer?

  No, Affirm.

• 1:20:14Speaker 01

  Oh, yeah.

• 1:20:17Speaker 01

  And credit cards.

• 1:20:22Speaker 01

  Cause at one point, I was having to pay Affirm like a hundred dollars per paycheck.

• 1:20:29Speaker 01

  That's how many I had. Okay.

• 1:20:34Caleb Hammer?

  Quiet. It's a silent moment. I need to focus on how much this is insane. And how

• 1:20:45Caleb Hammer?

  much I don't want to be in this episode anymore. Cause how the they even solve this?

• 1:20:54Caleb Hammer?

  So what is it? This is a Gerber?

• 1:20:57Speaker 01

  It's a life insurance loan.

• 1:20:59Caleb Hammer?

  Shh, quiet. We're whispering. This is a silent time. I'm developing an aneurysm from your numbers.

• 1:21:11Caleb Hammer?

  What's your minimum monthly payment, lady?

• 1:21:13Speaker 01

  I don't have. It's still quiet time.

• 1:21:16Caleb Hammer?

  Yes.

• 1:21:16Speaker 01

  I don't have a minimum monthly payment.

• 1:21:18Caleb Hammer?

  What the?

• 1:21:19Speaker 01

  Um, I pay it when I can.

• 1:21:21Caleb Hammer?

  Two thousand sixty seven dollars and ninety seven cents is their interest?

• 1:21:26Speaker 01

  Hmm.

• 1:21:27Caleb Hammer?

  They probably wouldn't let you borrow without interest.

• 1:21:29Speaker 01

  I don't think so.

• 1:21:29Caleb Hammer?

  Why would they let you borrow without interest?

• 1:21:31Speaker 01

  I don't know.

• 1:21:32Caleb Hammer?

  Great. Is it a whole life? Sometimes you can do that.

• 1:21:36Speaker 01

  I don't think, I don't think there's an interest rate.

• 1:21:38Caleb Hammer?

  I don't think Gerber offers.

• 1:21:39Speaker 01

  It doesn't go up every time.

• 1:21:40Caleb Hammer?

  All right, we're done with quiet mode. Fuck that.

• 1:21:42Speaker 01

  Okay.

• 1:21:43Caleb Hammer?

  Okay, main financial, is this the car?

• 1:21:45Speaker 01

  That was my old car that got paid off. My old.

• 1:21:47Caleb Hammer?

  So it's done. I don't, we can, right? Okay.

• 1:21:52Speaker 01

  I do have the information for my new car loan.

• 1:21:55Caleb Hammer?

  But we don't have it.

• 1:21:56Speaker 01

  No, because I just got it on Monday. It's a twenty nineteen Nissan Rogue.

• 1:22:01Caleb Hammer?

  Have we done the value check on that? Uh, let's take a look. Let's take a look. Let's find a twenty nineteen Nissan Rogue. How many miles?

• 1:22:07Speaker 01

  Uh, eight. When I got it, it was like seventy nine, but I've put like five hundred, so like eighty thousand.

• 1:22:13Caleb Hammer?

  Eighty thousand miles. Twenty nineteen Nissan Rogue. Condition, pretty good?

• 1:22:16Speaker 01

  Mm hmm.

• 1:22:17Caleb Hammer?

  Hey? What do you want? What's the balance?

• 1:22:21Speaker 01

  So the balance is like eighteen thousand?

• 1:22:23Caleb Hammer?

  Like eighteen thousand, okay. What's your minimum monthly payment?

• 1:22:26Speaker 01

  Five oh eight.

• 1:22:29Caleb Hammer?

  What's the interest?

• 1:22:31Speaker 01

  Seventeen point six.

• 1:22:35Caleb Hammer?

  What the are we doing here? Cause your credit's death and you had to get a predatory loan if you were gonna get a loan on a car.

• 1:22:40Speaker 01

  My boyfriend.

• 1:22:41Caleb Hammer?

  Oh, and you get a cosigner from your boyfriend, right?

• 1:22:43Speaker 01

  So he is actually the main, like they put him as the main person because his credit's a little bit better. And I'm the co-borrower, but the car's mine.

• 1:22:52Caleb Hammer?

  Oh, no, you guys haven't even been dating for a year.

• 1:22:59Speaker 01

  That's how serious he is about me.

• 1:23:01Caleb Hammer?

  Oh, fuck off, fuck off.

• 1:23:04Speaker 01

  Literally what he told me.

• 1:23:05Caleb Hammer?

  Oh, he's, oh, what a joke. Yeah, he's, he's romancing you. Can you not tell the difference? So, oh, he met her so much, blah, blah, blah, blah, blah. Yeah, he's, he's doing love words.

• 1:23:16Speaker 01

  He is not love bombing.

• 1:23:17Caleb Hammer?

  I'm not saying love bombing. I'm not TikTok where everything's, everyone's a victim because they got flirted with, okay? Okay, I said he's flirting with you. He's love wording. He's words of affirmation. There you go.

• 1:23:30Speaker 01

  Why is that a bad thing?

• 1:23:31Caleb Hammer?

  Because you're conflating it with this is a perfectly reliable situation that there's gonna be no wrong. That we're not gonna break up. Everything's perfect. Let's get debt together.

• 1:23:39Speaker 01

  We don't plan on breaking up.

• 1:23:41Caleb Hammer?

  No, oh, yes, I, I love the classic going into a relationship with a plan to break up.

• 1:23:46Speaker 01

  Some people date to just date.

• 1:23:48Caleb Hammer?

  Yeah, but that's not a relationship. That's just dating.

• 1:23:51Speaker 01

  Yeah. Um.

• 1:23:53Caleb Hammer?

  Oh, lady, have you been, have you ever existed in this world before? I'm concerned that not.

• 1:23:59Speaker 01

  Like, barely.

• 1:24:03Caleb Hammer?

  Yeah, because you just watched Supernatural on repeat. $339.

• 1:24:09Caleb Hammer?

  Zaline money, and you're checking it out. Zaline money out. Taco Bell, getting monsters, getting monsters, McDonald's, McDonald's, I'm gonna die. I'm gonna die. Your car's worth $16,000, by the way.

• 1:24:18Speaker 01

  That's, yeah, that's what they asked for it.

• 1:24:23Caleb Hammer?

  And then that's taxes and everything on top of that.

• 1:24:27Caleb Hammer?

  Little Caesar Subway, really?

• 1:24:33Caleb Hammer?

  Using Subway for all it's meant for. Taco Bell, McDonald's, get in a monster. Coca-Cola, TikTok shop, McDonald's. Oh, oh, wow. We really do go to McDonald's every day. When I said that earlier, I was kinda making a fat joke, but turns out stereotypes exist for a reason. Get in a monster, Apple Pay, out. Get in a monster. Get in a monster Pizza Hut. Get in a monster Apple bill. McDonald's, get in a monster. Go into the buffet. Get in a monster McDonald's.

• 1:25:05Speaker 01

  I told you there wouldn't be any door dash.

• 1:25:09Caleb Hammer?

  There were in other ones. Accruing credit cards.

• 1:25:12Speaker 01

  I said on that, there wouldn't be any door dash.

• 1:25:17Caleb Hammer?

  Okay, like no money in our savings. Wonderful. Oh, wait.

• 1:25:22Speaker 01

  So I have a savings account that's specifically for my bills.

• 1:25:27Caleb Hammer?

  Okay, so it's not a savings account.

• 1:25:29Speaker 01

  Um, I mean, it's labeled like a savings account. It's not a checking account.

• 1:25:34Caleb Hammer?

  But you're not keeping money in.

• 1:25:35Speaker 01

  No. Like the bills come out.

• 1:25:37Caleb Hammer?

  So zeros, what I'm gonna consider then.

• 1:25:39Speaker 01

  Yeah, basically.

• 1:25:40Caleb Hammer?

  Wonderful. Great.

• 1:25:44Caleb Hammer?

  This time checking account, 171. Again, Popeyes, McDonald's.

• 1:25:52Caleb Hammer?

  That's pretty much it.

• 1:25:55Caleb Hammer?

  Wow, let's see if this is budgetable. Let's see if this is even budgetable. Genuinely curious. All right, so debt equals $26,993.22. Very bad for your income situation. The income is $1,900. Okay, let's add up these minimum monthly payments. Credit one, $41. Amazon, $35. Merrick Bank, $35. Capital Platinum, $25. Venture one, $25. Platinum number two, $25. Target card, $30.

• 1:26:32Caleb Hammer?

  Tord card, $30. Zobble, $25. Quicksilver, $25. The first affirm, $40. Second affirm, $11. Goodyear, $40. Personal loan, 206.79. And then our new Nissan, 508. That brings our minimum monthly payments to $1,179.79.

• 1:27:00Caleb Hammer?

  Wonderful. Great. Now, what do you provide to the utilities and internet and all that stuff? How much money is that?

• 1:27:06Speaker 01

  So I give my boyfriend about 200 each check.

• 1:27:10Caleb Hammer?

  Check?

• 1:27:11Speaker 01

  Yeah.

• 1:27:11Caleb Hammer?

  So 400 hours a month?

• 1:27:12Speaker 01

  Yes.

• 1:27:13Caleb Hammer?

  Okay. We're already up to $1,500 by the way. 1,900 to live off of. Great. What's your phone bill?

• 1:27:20Speaker 01

  Like 150?

• 1:27:22Caleb Hammer?

  Why? Because you owe on your phone. When you're done, if T-Mobile's getting your area, switch to helium.

• 1:27:26Speaker 01

  I only pay $8 for my phone because of a promotion.

• 1:27:30Caleb Hammer?

  But, so the whole service is 150? Okay, great. Well, switch. The once your phone is paid off again, switch to a lower paying service.

• 1:27:37Speaker 01

  I do plan on it.

• 1:27:38Caleb Hammer?

  That's how they get you. Oh, it's cheap. You know, my minimum payment for my phone, but you're paying a ton for your phone's service. Okay. Room, room, drive, drive. How much gas?

• 1:27:46Speaker 01

  Um, a month.

• 1:27:49Caleb Hammer?

  Yes.

• 1:27:50Speaker 01

  Like 40.

• 1:27:53Caleb Hammer?

  Okay, car insurance?

• 1:27:56Speaker 01

  267.

• 1:28:02Caleb Hammer?

  Uh, we are now over budget officially, but you said you buy groceries for the house?

• 1:28:05Speaker 01

  Mm-hmm.

• 1:28:06Caleb Hammer?

  So for three people?

• 1:28:07Speaker 01

  Yes.

• 1:28:08Caleb Hammer?

  Well, you can contribute 800 of that pile. Um, uh, that's insane. I would rather split $700 rent, by the way, than that because this math is no longer mathing. Uh, TP fund, anything else you need to survive? 100 bucks. Medical, healthcare, any copays?

• 1:28:25Speaker 01

  Um, they're usually 35, 30.

• 1:28:29Caleb Hammer?

  Is that once a month? Like what?

• 1:28:31Speaker 01

  I don't go to the doctor often.

• 1:28:32Caleb Hammer?

  Okay, so I don't put it in there then, right?

• 1:28:34Speaker 01

  Well, I go in my, I see a therapist.

• 1:28:36Caleb Hammer?

  Okay, how much?

• 1:28:36Speaker 01

  That's 35.

• 1:28:37Caleb Hammer?

  Okay, 35. I dare to ask, but gym?

• 1:28:41Speaker 01

  No.

• 1:28:42Caleb Hammer?

  Okay. Let's put in 50 bucks because you need to go to the gym.

• 1:28:47Speaker 01

  What kind of gym membership is that expensive?

• 1:28:49Caleb Hammer?

  Let's just, let's just call it 50 just to be safe because I don't know. Planet Fitness might be cheaper. I don't know.

• 1:28:55Speaker 01

  Okay.

• 1:28:56Caleb Hammer?

  Uh, you said you have a pet, right?

• 1:28:58Speaker 01

  Yes.

• 1:28:59Caleb Hammer?

  What?

• 1:29:00Speaker 01

  Okay.

• 1:29:01Caleb Hammer?

  Age?

• 1:29:02Speaker 01

  He is like seven.

• 1:29:04Caleb Hammer?

  Uh, I don't know if you can get pet insurance on that. Maybe. I'll, I'll, I'll put in 60 bucks because you need to make sure you get a good pet insurance. How much for cat food?

• 1:29:13Speaker 01

  Um, maybe 20.

• 1:29:18Caleb Hammer?

  Anything else that needs to be in your budget that I have not put in yet? Can't put anything in subscriptions because we're already over budget. Um. Okay, you can. Brandon got his cat at seven pet insurance. So anything else that needs to be in your budget? No. Okay, well, $2,2923.79. Just a thing, stop with this food splitting thing. You can't do that. I would contribute, see if you can contribute to rent, not the full utilities. Let's see if we can contribute, we can split rent utilities down the middle. I think you will save more money instead of you doing food. You're actually getting kind of milked here. You're getting a little, or you're spending more money than you would. So let's say that brings it down to like 2,500. You're still pretty, you need about an extra $600 a month. If you want to stay in this job, that's great. You need to go work a second job, which means no more supernatural every single night.

• 1:30:02Caleb Hammer?

  You're working, you need to bring in at least an extra thousand dollars. So you can throw $400 towards debt. That's a minimum because $400 towards debt at $26,993.22, divided by that $400, just wait, no. $26,993.22 divided by 400 is 67 months, which comes out to still five and a half years, but that's better than nothing. And you do got to get out of debt. Unfortunately, with five and a half years, that gives you only, based on your history, seven more years to live. And that's not even, by the way, a fully funded emergency fund. Probably get five years to live with a fully funded emergency fund. Not great. So we got to change the health part as well, but the meal prepping is going to help with that. And I put it in a gym that's going to help with that.

• 1:30:46Caleb Hammer?

  Let's start taking that seriously because I want you to be around. Okay. Okay, we got to film follow ups together, right? So let's, let's, let's stay on the planet for a good, long while. Um. So that's what you got to do. What I would prefer is that you go and just get a better job at a different place. And then we always shop around until you land somewhere that you like, that you are getting paid well for. That is the ultimate goal, but you need to bring in a minimum extra thousand where you are now. And you need to split rent utilities and take care of your own food. Sprint utilities is you split down the middle. That'll bring you down to about 2,500 because right now you need to bring an extra $1,500, $1,600 in order to have a chance to pay this off in five and a half years. And then fully funded emergency fund a year after that, maybe. Okay, so that's where we are. Oh.

• 1:31:32Caleb Hammer?

  Oh, they said I'm gonna be pissed. Colton's saying I'm gonna be pissed. I guess there's something in the post-show that's about to piss me the [__] off. Great. Usually, okay, great. Let's get your Hammer Financial Score first and then we'll go into the post-show. All right, spending in a budget. You ever spent? Zero out of 10. Debt? Well, this is as bad as you can get without collections or RSTs. So one out of 10. Emergency fund? Well, nothing. Zero out of 10. Retirement?

• 1:31:55Speaker 01

  I don't even know.

• 1:31:56Caleb Hammer?

  Zero out of 10. Real estate, zero out of 10. It's gonna be a Hammer Financial Score, rounded up to a point five out of 10. Ladies and gentlemen, click that join button next to our channel name and join Hammer Elite to get three premium shows posted every single day, Monday through Friday, where you can also come watch this Financial Audit Post Show, of which apparently I'm gonna crash out. I can't wait. So apparently there's something. Tell me, what is it?

• 1:32:20Speaker 01

  I just opened a fair to firm.

• 1:32:22Caleb Hammer?

  For what? What did you kid?

• 1:32:24Speaker 01

  TikTok shop.

• 1:32:25Caleb Hammer?

  What did you spend at TikTok shop? Because I know there's a thousand dollars in the cart right now.

• 1:32:29Speaker 01

  Well, I got this car.

• 1:32:33Caleb Hammer?

  Exclusive members content. Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.

• 1:32:44Speaker 04

  Purchase new carpet from The Home Depot and get it installed for free right now. Shop the stylish choices and simple pricing of carpet from Home Decorator's Collection, Traffic Master, or life-proof with pet-proof technology, and see for yourself why nobody beats our prices. Enjoy new carpet with free installation right now at The Home Depot. Offer valid October 15th through November 1st, 2026. Exclusions apply. For licenses, see homedepot.com/license numbers.