I've Never Hated A More Vile Piece of Trash | Financial Audit

▶This post show is *crazy* ... after stealing $1k a month from her dad for "substances ", I made her call and confess... it went a way you'll never expect, watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶▶Bundle my budgeting, debt + investing program for *15%* *off* : https://calebhammer.com/classpack/ PDS Debt is offering a free debt analysis. Make this the year you take control of your debt. It only takes thirty seconds. Get yours at https://PDSDebt.com/hammer Looking for lower rates and better terms quickly and easily? Click https://money.com/caleb-mortgage-refi to compare the best mortgage refinance options with Money.com. Paid endorsement. This message is sponsored by Money.com, which receives compensation from its marketing partners for some of the products and services featured. Eligibility requirements apply and offers may be subject to change without notice. Learn more about how Money.com makes money. Make SonderMind your mental health home in 2025. Sign up at: https://pages.sondermind.com/caleb/ ▶▶▶Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶EDUCATION: 1) Bundle my budgeting, debt + investing program for *15%* *off* : https://calebhammer.com/classpack/ 2) The best budgeting program online: https://calebhammer.com/budget 3) Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing 4) Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula 5) Get your own free Hammer Financial Score: https://www.calebhammer.com _______________________ ▶RESOURCES 1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://soficreator.pxf.io/c/5535481/2083783/25681?adcampaigngroup=bank&adnetwork=brand *affiliate link 2) Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services. Click this link https://j.moomoo.com/Caleb to get up to 15 free stocks from moomoo U. S when you make a qualified deposit + earn 4.6% on uninvested cash + an additional 3.5% APY Coupon for 3 months for new users!! Terms & Conditions Apply 3) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 4) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer 5) The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 6) Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today! 7) Helium Mobile: save a ton on your phone bill, sign up and get 30 days of FREE trial when using promo code CALEB https://hellohelium.com/ 8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 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

  Now streaming on Paramount Plus.

• 0:33Speaker 02

  I'm Dexter Morgan. I've been killing killers for half my life. It gets to you.

• 0:38Speaker 03

  You're having a midlife crisis.

• 0:39Speaker 02

  I'm not ready for this.

• 0:41Speaker 01

  He's back.

• 0:42Speaker 02

  I'm older. I'm wiser.

• 0:45Speaker 01

  And sharper than ever.

• 0:47Speaker 02

  Things are gonna get messy. But if I can't believe in myself, I can't believe in anything.

• 0:54Speaker 01

  Dexter Resurrection. New season now streaming on the Paramount Plus Premium Plan.

• 1:00Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. Maybe if we can't pay our bills, we're not buying [BLEEP].

• 1:06Speaker 05

  I'm gonna have to disagree on that one, but...

• 1:08Caleb Hammer?

  For $1,000 a month! How often were you drunk driving before you lost your [BLEEP] car because you hit it?

• 1:13Speaker 05

  That was only the second time that I ever did that.

• 1:16Caleb Hammer?

  Are you literally a stupid human? Dude, that's disgusting.

• 1:20Speaker 05

  This is your party years. When you get 30 is when you get it together.

• 1:24Caleb Hammer?

  Someone could have died. That's not cute.

• 1:29Caleb Hammer?

  All of our education is bundled together for 15% off with a 30-day money-back guarantee. Go to CalebHammer.com/bundle or click the link in the description or pinned comment below.

• 1:38Speaker 05

  Hi, my name is Sam. I'm 26 years old. I live in Austin, Texas, and this is Financial Audit.

• 1:45Caleb Hammer?

  Do your piercings ever kiss each other? They're like right next to each other.

• 1:48Speaker 05

  Um, no, because this one is farther into my face than this one.

• 1:52Caleb Hammer?

  Uh huh. What do you do for a living here in Austin? Thanks for coming into the studio, by the way.

• 1:56Speaker 05

  I am a drayage operations specialist.

• 1:59Caleb Hammer?

  Wait, I'm sorry. A what?

• 2:00Speaker 05

  A drayage operations specialist at a transportation brokerage.

• 2:05Caleb Hammer?

  Interesting. Okay, so wait, so what do you do generally?

• 2:07Speaker 05

  I work with customers and carriers for a non-asset-owning brokerage to facilitate the movement of shipping containers for imports and exports.

• 2:17Caleb Hammer?

  That sounds like it was right off a corporate website.

• 2:19Speaker 05

  No, that's just how I describe it.

• 2:22Caleb Hammer?

  What, what are you making this job?

• 2:23Speaker 05

  Sixty-three thousand five a year and then quarterly, I get an approximate thirty-two hundred dollar bonus.

• 2:31Caleb Hammer?

  You basically make seventy-two-ish?

• 2:36Speaker 05

  Right now, I'm sitting at seventy-two, so it'll probably be around seventy-five.

• 2:41Caleb Hammer?

  Okay, so you make close to the median household income in the entire city of Austin. Uh, that would not be reflected in how you are today, but how do you feel living on that in Austin?

• 2:53Speaker 05

  I am having a great time. My finances will definitely reflect that. Um. I would say I'm having a good time, but I could definitely make better use of my money.

• 3:05Caleb Hammer?

  What do you mean?

• 3:06Speaker 05

  I spend a lot of time at the bar down the street from my house, um, and partying with my friends, which is a costly habit.

• 3:16Caleb Hammer?

  Yeah, that really is. How often do you say you party?

• 3:19Speaker 05

  Well, I would say I always party on Fridays and Saturdays.

• 3:23Caleb Hammer?

  Always.

• 3:24Speaker 05

  And then usually one day during the week, but I definitely drink probably six days a week.

• 3:32Caleb Hammer?

  Why? Do you hate your job, your like life, or like what is this? Cause that almost sounds like an escape to me. I don't know for sure, but like.

• 3:41Speaker 05

  I made really good friends with the bartenders down the street from my house.

• 3:47Caleb Hammer?

  Hold on. You say you drink six days a week, but then you party three. What is the difference in your mind? What is partying? What are we doing when we're partying?

• 3:55Speaker 05

  We're like going to like the clubs and like doing substances and like getting really wild.

• 4:01Caleb Hammer?

  How expensive is this? Her party evening?

• 4:06Speaker 05

  I mean, maybe only like a thousand dollars a month.

• 4:12Caleb Hammer?

  It's what, what do you mean only? Do you?

• 4:16Caleb Hammer?

  That sounds immediately like someone that does not have the respect for the dollar. Only a thousand? A thousand's a substantial amount of money.

• 4:24Speaker 05

  I mean, for what we're buying though, I think that's like fair price.

• 4:32Caleb Hammer?

  So this costs you a thousand dollars a month to keep up a party lifestyle?

• 4:36Speaker 05

  Yeah, and then my friends-

• 4:37Caleb Hammer?

  And that is more important than being able to operate in life and have any sense of security and being able to retire. What does your life look like? Okay, you like to party. What does your life look like? What are we looking at today? What, what, what is this whole thing?

• 4:51Speaker 05

  Uh-

• 4:52Caleb Hammer?

  You and documents. What are we looking at? Thousand hours a month. It's nothing, guys. So what are we looking at?

• 4:58Speaker 05

  All of my, my spending. I mean, I like to buy clothes. I like to party. Um-

• 5:07Caleb Hammer?

  Just your spending? You think it's just your spending is what we're looking at?

• 5:10Speaker 05

  I mean, it's habits. It's habits.

• 5:13Caleb Hammer?

  Yeah, but what about your lack of? What's in your savings?

• 5:17Speaker 05

  A penny.

• 5:18Caleb Hammer?

  Okay, so what the happens if you get laid off tomorrow?

• 5:21Speaker 05

  I got a 401K.

• 5:23Caleb Hammer?

  That's not how that works. You know that's not how- I need to be very clear. You know that's not how that works, right?

• 5:30Speaker 05

  I mean, my friends that have been laid off or quit, they all just pulled out their 401Ks.

• 5:35Caleb Hammer?

  Then what's the point of having a 401K in your mind?

• 5:37Speaker 05

  For when you need money.

• 5:38Caleb Hammer?

  No, it's not for-

• 5:42Caleb Hammer?

  It is not for when you need money. It is literally a tax-advantaged retirement account.

• 5:47Speaker 05

  Yeah, but if you fall on hard times-

• 5:49Caleb Hammer?

  Then you pay a 10% fee- Taking it out. So why would you not just put it in a savings account versus a 401K? You take it out of your 401K, you pay a 10% fee, and then taxes on any of the gains.

• 6:01Speaker 05

  Because if we're- the reality is, I can't just like put it in my savings account, because if I put it in my savings account and then we're at the bar and I need more money- Just transfer it from my savings account or my second checking account to my bank account. No, I don't have self-control.

• 6:17Caleb Hammer?

  What's in your 401K?

• 6:19Speaker 05

  Um, almost nine grand.

• 6:21Caleb Hammer?

  Okay, so what about retirement then? If that's, if you think of a 401K as a savings account, what about retirement then?

• 6:29Speaker 05

  Well, I've never pulled from it.

• 6:31Caleb Hammer?

  Yeah, but you just said if I get laid off, because you have a penny in savings. I know you haven't pulled from it now. You've also never worked in a bad economy.

• 6:45Speaker 05

  No, um, I mean, I don't, I don't really think about retirement or anything past like thirty.

• 6:53Caleb Hammer?

  What, what the fuck are you talking about? Thirty's four years away. What are you talking about?

• 6:57Speaker 05

  Yeah, that's four years. There's plenty of time to get it together.

• 7:01Caleb Hammer?

  To get, but, okay, so retirement, to be very clear, retirement is depending on your time now. That nine thousand dollars, if it's invested properly, is has the time to grow over the course of decades. If you put off and put off and put off, when you're putting more in, it has no time or less time to actually grow. You're literally, by you taking it away or putting less in it, you are preventing yourself from being able to retire. Why does that not matter? Why does partying today matter more than retirement? Well, because you can't see retirement right now, but you can see partying right now?

• 7:42Speaker 05

  Um, no, but in my friend group, I'm the life of the party, so I'm like the good time.

• 7:47Caleb Hammer?

  Your life isn't gonna exist soon, financially speaking.

• 7:51Speaker 05

  Well.

• 7:52Caleb Hammer?

  What are you gonna do? What, okay, you're the life of the party when it comes to your friend group, so everyone has fun, cool. So all of a sudden, we all become fifty-nine and a half, we can pull from tax, you know, advantage retirement accounts, cool. So they're all able to retire, and then the life of the party, she's just under a bridge?

• 8:05Speaker 05

  I definitely don't see myself under a bridge.

• 8:08Caleb Hammer?

  Because you probably don't see the consequences of what mismanagement is. We don't know what social security is gonna look like by the time we retire. They keep having to push the age for that.

• 8:18Speaker 05

  Um, I mean, I was like raised by my aunt, and she didn't have a 401K, and she is retired, and she's perfectly fine, so I've always thought.

• 8:27Caleb Hammer?

  Situation, there's always context. One, social security does exist today, in some form.

• 8:34Speaker 05

  Well, she, she's like getting money from.

• 8:40Speaker 05

  My, so like, I was raised by my aunt and uncle. My uncle passed away a couple of years ago, so she's like, living off of his pension.

• 8:46Caleb Hammer?

  There you go!

• 8:47Speaker 05

  But like, she doesn't have it, she didn't have any money.

• 8:49Caleb Hammer?

  Yeah, but she prepared with her husband.

• 8:51Speaker 05

  No, she didn't do that. She didn't even know she had that money.

• 8:54Caleb Hammer?

  Okay, then she got lucky. You're relying on getting lucky.

• 8:57Speaker 05

  Yeah. That's what I've been doing for like, two years. Like, whenever I don't have money, I'm just like, well, it'll come from somewhere, and it always does.

• 9:06Caleb Hammer?

  You have nine thousand dollars in your retirement account. You need seventy-five thousand dollars in your retirement account in four years. Where is that additional sixty-whatever coming from?

• 9:14Speaker 05

  I mean, I'm still contributing.

• 9:15Caleb Hammer?

  Comes from nowhere, from hopes and dreams and wishes and wants?

• 9:19Speaker 05

  I mean, I'm still contributing to it, so it's coming from me contributing.

• 9:22Caleb Hammer?

  Yeah, but not sixty thousand dollars in four years, is it?

• 9:26Speaker 05

  No, but I just, I didn't even know what a 401K was until literally two years ago.

• 9:31Caleb Hammer?

  Well, that's fine. That's okay. But it's the philosophy of money just ends up getting there. That's not what-

• 9:38Speaker 05

  It does.

• 9:39Caleb Hammer?

  But that's not, what, like, manifesting money?

• 9:41Speaker 05

  Yeah, it works every time.

• 9:44Caleb Hammer?

  No, it doesn't. No, it do- no, no. It, no, it can legitimately not, because you are in more debt, you have a negative net worth, so no. You're probably utilizing credit and considering that money coming.

• 9:55Speaker 05

  No, I'm talking like, cash. Like-

• 9:58Caleb Hammer?

  Yeah, but you're still have more debt than you are worth.

• 10:02Speaker 05

  Well, yeah, I know that.

• 10:03Caleb Hammer?

  Those drugs have [BLEEP] your brain.

• 10:05Speaker 05

  Maybe a little bit.

• 10:06Caleb Hammer?

  Oh, I don't know about a little bit. Come on, you're not, you're not manifesting money. You go work, you [BLEEP] make the money and you make use of it.

• 10:13Speaker 05

  I mean, I do make money.

• 10:14Caleb Hammer?

  You literally talked about blowing a thousand dollars as the conversation opener. You don't understand money. You don't know money, you don't respect money.

• 10:22Speaker 05

  No, not at all. It comes and goes.

• 10:25Caleb Hammer?

  Yes, but you could be setting yourself up for a scary situation. Hopefully, you'd get unemployment, or a severance or something if laid off, but there are so many different things. You don't know what happens if wha- okay, okay, okay. What's your car situation?

• 10:39Speaker 05

  Well, I have a, I have a car payment.

• 10:43Caleb Hammer?

  Yes.

• 10:44Speaker 05

  A few years in, um.

• 10:46Caleb Hammer?

  What's the car?

• 10:47Speaker 05

  A 2019 Chevy Spark.

• 10:49Caleb Hammer?

  Cool. Well, I don't know anything about Sparks, but what if it just

• 10:53Caleb Hammer?

  and it just dies? Nothing that insurance would cover. Okay, so it just bap and you need a car. You need a car. What do you do? What do you do? One sentence savings? Is that a pull for four or one car?

• 11:05Speaker 05

  No, actually I did crash my car at one point. Um, I went to a friend's birthday at Fogo de Chao and I ordered some drinks and they gave me more than I ordered and then I left

• 11:18Caleb Hammer?

  The f**k is wrong with you?

• 11:20Speaker 05

  And I crashed my car in the garage.

• 11:22Caleb Hammer?

  What the f**k is wrong with you?

• 11:23Speaker 05

  Yeah, it was a bad mistake.

• 11:25Caleb Hammer?

  Bad mistake?

• 11:27Speaker 05

  Yeah.

• 11:27Caleb Hammer?

  When was this?

• 11:28Speaker 05

  This was in April. I had to pay seventeen hundred dollars.

• 11:31Caleb Hammer?

  I compared to a lot of people, especially the internet, because the internet's obsessed with just f**king moral hierarchies and performative outrage, whatever. I am okay if you made a mistake a couple of years ago and worked and matured beyond there, that is difference. You made this a few f**king months ago and I'm not gonna just like, no, that's disgusting. Someone could have died. That's not cute. That's not funny. That's also, you didn't just grow from that after a few months.

• 11:58Speaker 05

  I mean, I don't drunk drive anymore.

• 12:00Caleb Hammer?

  Anymore? How often were you drunk driving before you lost your car because you hit it? Because you, what the

• 12:07Speaker 05

  That was only the second time that I ever did that.

• 12:10Caleb Hammer?

  Are you stupid? Are you literally a stupid human? You.

• 12:15Speaker 05

  I thought I was

• 12:16Caleb Hammer?

  That's disgusting. Dude, you just, that's disgusting. I'm sorry. Like, I was memeing on you a lot with some of this conversation. That's disgusting. That is disgusting. You drunk driving? You. That's disgusting.

• 12:29Speaker 05

  Yeah.

• 12:29Caleb Hammer?

  It's not other, other people aren't consenting to going out and you drunk driving.

• 12:34Speaker 05

  No, not at all. I don't think.

• 12:36Caleb Hammer?

  You.

• 12:37Speaker 05

  Uh, I didn't even mean to get this car. I had no choice.

• 12:41Caleb Hammer?

  Yeah, no, you drunk drive like a dumb

• 12:44Speaker 05

  It's the same car.

• 12:44Caleb Hammer?

  Can't stop doing drunk nine days a week.

• 12:46Speaker 05

  I'm still driving the same car. I paid seventeen hundred dollars to

• 12:51Caleb Hammer?

  You have an Uber. If you have a drink or two, an Uber.

• 12:54Speaker 05

  But I didn't even mean to get into this car loan.

• 12:57Caleb Hammer?

  How many drinks did you take? They're stronger than you thought, but how many drinks did you have?

• 13:00Speaker 05

  Four.

• 13:01Caleb Hammer?

  You. Grow the

• 13:02Speaker 05

  I mean.

• 13:05Speaker 05

  Yeah, I haven't always like drink though.

• 13:10Speaker 05

  So like I really started partying like in the last few years.

• 13:14Caleb Hammer?

  Great, so we've developed substance addictions and drinking habits.

• 13:18Speaker 05

  I wouldn't call it an addiction.

• 13:20Caleb Hammer?

  Every day of the week except for one in our mid twenties instead of our party years.

• 13:25Speaker 05

  This is your party years. When you get thirty is when you get it together. This is your party years.

• 13:32Caleb Hammer?

  I don't see someone like you who has lost a car via drinking and driving getting it together.

• 13:38Speaker 05

  No, no, I didn't lose the car.

• 13:39Caleb Hammer?

  Someone who goes and parties three times a week and drinks every night except for one. That's not a all of a sudden we just get it together. I think you're using that as a Band-Aid as a, oh, it will be fine. I kick the can down the road. That's not how people like you turn out.

• 13:56Speaker 05

  Well.

• 13:56Caleb Hammer?

  You're actually like

• 13:59Caleb Hammer?

  like a little degenerate.

• 14:01Speaker 05

  Sure, some people would say that, I guess. Um, I wouldn't call myself that.

• 14:05Caleb Hammer?

  Okay with that.

• 14:07Speaker 05

  Cause I'm having a good time.

• 14:08Caleb Hammer?

  Yeah, you are, but you are destroying yourself. You're destroying your systems. You're destroying your body, your brain. I mean, look, you can't even comprehend math. It's

• 14:20Caleb Hammer?

  and potentially putting other people in harm. How are we okay with that?

• 14:23Speaker 05

  That I'm not.

• 14:24Caleb Hammer?

  Are you not able to have fun without your entire life up?

• 14:28Speaker 05

  Well, yeah, definitely. Um, but the, the car situation, like I have the same car. I didn't total the car. I paid seventeen hundred dollars to get it fixed.

• 14:39Caleb Hammer?

  Again, what happens if your car becomes totaled and you have one cent in savings?

• 14:43Speaker 05

  Well, here's what happened last time. Um, I actually had a car before this car that was paid off. My dad bought it for me. Um, it was a beater, but it worked. And then I took, I lied to my boss and said I had a family emergency so I could come to Austin to a party. And

• 15:06Caleb Hammer?

  Oh, you're a

• 15:07Speaker 05

  I was gone, somebody stole my car and lit it on fire.

• 15:11Caleb Hammer?

  Good.

• 15:11Speaker 05

  And that's how I ended up with the car I have now.

• 15:16Speaker 05

  So if something

• 15:17Caleb Hammer?

  How'd you get the car you have now? You borrowed?

• 15:20Speaker 05

  No, I didn't. Well, I borrowed on the

• 15:22Caleb Hammer?

  You have a loan, are you stupid?

• 15:23Speaker 05

  But I didn't borrow money from anyone else. My dad took me to get it.

• 15:27Caleb Hammer?

  From the bank.

• 15:27Speaker 05

  Yeah, just from the bank. My parents didn't give me money though.

• 15:30Caleb Hammer?

  What are you?

• 15:35Caleb Hammer?

  Oh my, um, oh my gosh. I don't even know, like...

• 15:40Speaker 05

  But yes, I did borrow money from the bank.

• 15:42Caleb Hammer?

  I want to give you free money right now. I've partnered with different resources that will literally give you hundreds of dollars the moment you sign up for them. Check out my investing app of choice, Mu Mu, where they give you up to 15 free stocks and 8.1% interest on your uninvested cash when you sign up with my link. Do you want a more traditional savings account? Check out where I keep my emergency fund, SoFi, where they'll give you 4.5% on your money and up to $300. Would you rather have automated investing? Sign up for Acorns with my link and you'll get $20 right now instead of the usual $5 you'd get from your friend's referral. You can also sign up for our investing program and get $100 in cash deposited into your Mu Mu account. This is the best way to learn what your investing profile looks like and what investing strategies

• 16:26Caleb Hammer?

  to use based on that. All of this free money is linked in the resources section of the description below, so don't pass up the free money, because I'll punch you. So that's what you would do again, is the answer, right?

• 16:38Speaker 05

  I mean, isn't that what every American does?

• 16:40Caleb Hammer?

  I guess, but you would already have a previous car loan.

• 16:42Speaker 05

  Correct.

• 16:43Caleb Hammer?

  When instead, if you didn't spend 1,000 hours a month [bleep]ing yourself up, you could literally have an emergency fund in less than a year that would get a 10,000-hour used car if you needed to.

• 16:56Speaker 05

  Realistically, that would probably be right, but that's just not where I'm at.

• 17:00Caleb Hammer?

  What do you mean? I'm saying if you did, no [bleep] not where you're at. Why do you think you're on the [bleep] show?

• 17:05Speaker 05

  Well, then...

• 17:07Speaker 06

  Priceline Negotiator. It's me, the... Priceline Negotiator. We don't need the jingle twice. What about a third time? Stop it. This is about vacation inflation and how Priceline negotiates amazing deals on hotels, flights, and rental cars.

• 17:24Speaker 06

  Yeah, but I didn't mention that you can save up to 60% off hotels in the Priceline app.

• 17:30Speaker 06

  Fine. No one deals more deals than... Please stop.

• 17:35Speaker 06

  Touche.

• 17:37Caleb Hammer?

  Why don't we do that instead, huh?

• 17:40Speaker 05

  Cause then it's not as fun, then I'm just gonna be sitting at home.

• 17:43Caleb Hammer?

  No, no, it's not! Sometimes we sacrifice as adults, this is what happens. We sacrifice fun. Dude, when I was starting in sales down here and I wanted to make money to pay off debt, I could have lived up life as high as I wanted, I could have got a nice car, I could have been stupid as I could have done so much things, but guess what I sacrificed? And now, I'm actually relatively secure in my life, and I live a good hea- well, except for this part, healthy life.

• 18:10Speaker 05

  Gosh, you beat there.

• 18:11Caleb Hammer?

  Yeah, you do. At least my brain's not.

• 18:14Speaker 05

  Can't beat you on that one. But you know, I, I say that compared to most people, I'm still pretty smart. I mean, I work at a hard job and I'm not stupid, I just do a lot of

• 18:28Caleb Hammer?

  Yeah, and you got daddy issue piercing, so I don't know.

• 18:31Speaker 05

  Oh, good thing I don't have daddy issues though, just mommy issues.

• 18:35Caleb Hammer?

  What the [bleep] am I dealing with right now?

• 18:39Caleb Hammer?

  So what hits your account on a monthly basis? Payroll?

• 18:43Speaker 05

  Thirty-six to thirty-eight hundred a month, after taxes.

• 18:47Caleb Hammer?

  Yep, about thirty-eight hit.

• 18:51Caleb Hammer?

  Why are you here?

• 18:55Speaker 05

  Because I have no clue what I'm doing with any of my money and...

• 19:00Caleb Hammer?

  You know, a thousand of it's going to [bleep] and drinking.

• 19:03Speaker 05

  I know that much. I know that much.

• 19:06Caleb Hammer?

  Good. A third of our income.

• 19:10Speaker 05

  Yeah, I mean... I sacrifice other things for the things that I want.

• 19:17Caleb Hammer?

  And that's what you want?

• 19:18Speaker 05

  Is to party, yeah.

• 19:20Caleb Hammer?

  Then what are we doing? Then what are we doing? Why? Why do this?

• 19:24Speaker 05

  Because maybe if I see that it's realistic to like pay everything off or to like actually save money and get out of this situation, I would.

• 19:33Caleb Hammer?

  Okay, save money, get out of the situation. Three thousand eight hundred comes in on a monthly basis. How much did you spend last month?

• 19:38Speaker 05

  Probably fifty-five hundred.

• 19:41Caleb Hammer?

  You're okay with spending fifty-five fucking hundred? When less than four thousand comes in. Why would you even consider that to be just like?

• 19:50Caleb Hammer?

  That's what it is.

• 19:53Caleb Hammer?

  How is it even acceptable to come out of your mouth?

• 19:56Speaker 05

  I mean... It could be worse always.

• 19:59Caleb Hammer?

  Always, yeah. Ended up under a bridge as a drug addict, we'll see.

• 20:03Speaker 05

  I definitely won't be under a bridge. My dad wouldn't let that happen.

• 20:06Caleb Hammer?

  Yeah, while he's alive.

• 20:09Speaker 05

  He'll be here awhile.

• 20:10Caleb Hammer?

  I certainly hope so. The world plays dirty tricks.

• 20:13Speaker 05

  Oh, I know. I'm not immune to those.

• 20:16Caleb Hammer?

  No one is. Let's not victim ourselves.

• 20:19Speaker 05

  Oh, I'm not a victim.

• 20:20Caleb Hammer?

  Okay, I'm just saying you cannot fully rely on that a hundred percent.

• 20:24Speaker 05

  No, but that's what I rely on right now. Is my dad.

• 20:29Caleb Hammer?

  How have you made it this far? Oh, because you're dad.

• 20:35Caleb Hammer?

  Good, good.

• 20:37Speaker 05

  I wasn't always this bad.

• 20:41Caleb Hammer?

  I know, you started up your life two years ago, you said.

• 20:45Speaker 05

  Yeah, I wasn't always this bad.

• 20:51Caleb Hammer?

  Six thousand, that's what you spent. So five hundred dollars more than you thought. And you thought you spent a thousand five hundred dollars more than you make. So like I'm, I'm, I... What do I even think about that? You're saying you came on because oh, maybe I can find that is realistic to pay off debt? But you already spent a thousand five hundred dollars more than you bring in. Thousand seven hundred, according to you, but it's actually two thousand two hundred. So...

• 21:16Caleb Hammer?

  Again, what?

• 21:17Speaker 05

  I mean, some of that, though, is like, actual bills. Like, I know that part of that is rent, and there's a three hundred dollar car payment in that. So not all of it is just fun.

• 21:31Caleb Hammer?

  Yeah. Three hundred dollars of, um, six thousand dollars. That's interesting.

• 21:37Caleb Hammer?

  You know? Okay, summer bills, you know? Maybe if we can't pay our bills, we're not buying some drugs! For a thousand dollars a month! Is this a how- how is that a, just like, a mind-blowing concept?

• 21:50Speaker 05

  I do pay my bills. My bills are paid.

• 21:52Caleb Hammer?

  What are you, fucking, Tammy? No, Amy.

• 21:56Speaker 05

  Oh, no. No, I'm not Amy.

• 21:58Caleb Hammer?

  You know who I'm talking about?

• 21:59Speaker 05

  Yeah, I do.

• 21:59Caleb Hammer?

  Yeah, you said her line.

• 22:01Speaker 05

  But my bills are paid. I do pay my bills, and then I overspend after.

• 22:05Caleb Hammer?

  Your debt is going up! Your debt is going up!

• 22:08Speaker 05

  Actually, that card too, I did have it paid down.

• 22:11Caleb Hammer?

  Oh my-

• 22:14Speaker 05

  And then I started spending on it again, cuz I got drunk and I just wanted more drinks.

• 22:21Caleb Hammer?

  Loser, dude.

• 22:24Caleb Hammer?

  Sorry.

• 22:25Speaker 05

  I'm gonna have to disagree on that one, but that's okay.

• 22:28Caleb Hammer?

  You're blowing all your money on booze and drugs.

• 22:30Speaker 05

  There's some clothes in there, some gas, some food.

• 22:35Speaker 05

  You know, some necessities.

• 22:37Caleb Hammer?

  Your debt's going up.

• 22:39Speaker 05

  Yeah, it is.

• 22:40Caleb Hammer?

  For booze and drugs.

• 22:42Speaker 05

  Well, that's not exactly what's on the credit cards. The credit cards is like-

• 22:46Caleb Hammer?

  When we see people like that in their forties, where you're headed? We call them losers.

• 22:52Speaker 05

  Well, good thing I'm not forty.

• 22:53Caleb Hammer?

  Where you're headed. These are the patterns-

• 22:56Speaker 05

  Who's to know that I'll be there in a year?

• 22:57Caleb Hammer?

  Cuz the, huh?

• 22:59Speaker 05

  I might not be in the same place in a year. I might be doing something else.

• 23:02Caleb Hammer?

  Of course, that is the hypothetical always. But the thing is, the people that end up there in the mid-forties, many of them look like this in their mid-twenty's.

• 23:11Speaker 05

  Well, I mean... Yeah, but I could stop anytime. I just don't-

• 23:16Caleb Hammer?

  Then stop!

• 23:17Speaker 05

  I just don't.

• 23:17Caleb Hammer?

  Then stop!

• 23:20Caleb Hammer?

  Problem solved! Thousand of it. Still a thousand to go.

• 23:26Speaker 05

  I'm definitely still gonna wanna go out here and there.

• 23:30Caleb Hammer?

  And what is the point? What are we doing? Why is you-

• 23:33Speaker 05

  You can pay off debt and have fun.

• 23:35Caleb Hammer?

  Why is you? We don't know yet for you. We don't know. When, when, when people have room for fun, I give them room for fun. The thing is, why would you find going out

• 23:49Caleb Hammer?

  to be better than being able to have any sense of security? You could have so much fun. You could have so much fun and retire if you weren't having to pay the minimum payments on debts. You could have so much fun and have job security by having a six-month emergency fund. And have fun at the same time if you literally sacrificed for it. A temporary sacrifice. You never sacrificed in your life? The fact that you're not willing to stop having fun temporarily, just to have any sense of security.

• 24:16Speaker 05

  I've sacrificed before.

• 24:18Caleb Hammer?

  What? What is your sacrifice?

• 24:21Speaker 05

  Um, there is, there is a time where I was like making large payments to my credit cards instead of going out. Well, I got bored and so-

• 24:31Caleb Hammer?

  Then you need to find coping mechanisms and other uses of your time. If the only way you have fun is getting fucked up, again, loser. You need to find other ways. You need to have better friends. There are things you can do.

• 24:43Speaker 05

  My friends are good friends. They all have my back. We all take care of each other. We make sure everyone's fine, like-

• 24:48Caleb Hammer?

  But you're not fine. You're not being taken care of. Your, your life is financially-

• 24:54Speaker 05

  I mean-

• 24:54Caleb Hammer?

  So that is incorrect.

• 24:56Speaker 05

  Those are my choices. That's not, that has nothing to do with them. That has nothing to do with my friends.

• 25:00Caleb Hammer?

  You, you're bored because when you- Were you hanging out with them during that situation?

• 25:05Speaker 05

  What situation?

• 25:07Caleb Hammer?

  You paying off debt and not going out and partying and raging?

• 25:09Speaker 05

  No.

• 25:10Caleb Hammer?

  Exactly. So maybe you need to find different friends, cuz they equal spending a thousand dollars a month on fucking up your brain.

• 25:20Speaker 05

  I would say they're good friends, but we can agree to disagree.

• 25:25Caleb Hammer?

  No, we can't. No, we can't. It seems pretty objective when I lay it out.

• 25:31Speaker 05

  I wouldn't say they're bad people.

• 25:33Caleb Hammer?

  No, no, I'm not saying they're bad people, but they might be bad friends for you.

• 25:37Speaker 05

  I think we're all just young and we wanna have a good time.

• 25:40Caleb Hammer?

  You're gonna consider yourself young forever, then?

• 25:43Speaker 05

  No.

• 25:44Caleb Hammer?

  Yes, you are. This is how people end up. You do not understand. This is where the people who end up like that start like this. You're not gonna be like, "Oh, you know what? I'm old." I feel the same that I felt when I was twenty.

• 25:57Speaker 05

  I've stopped before. I've been sober before.

• 26:01Caleb Hammer?

  You couldn't maintain it?

• 26:03Speaker 05

  I maintained it for a long time.

• 26:05Caleb Hammer?

  It's a long time.

• 26:06Speaker 05

  Well, for me, it felt like a long time. Um, when I was nineteen, I was sober fourteen months.

• 26:14Speaker 05

  Yes.

• 26:15Caleb Hammer?

  When did you start using?

• 26:17Speaker 05

  Seventeen.

• 26:19Caleb Hammer?

  Oh, my.

• 26:23Caleb Hammer?

  Let's get into the finances, cuz may as well, but I'm... If anyone has any help in this conversation, good for you.

• 26:36Caleb Hammer?

  Alright, just a quick little interjection. I know these past few minutes in the video have been absolutely insane and I'm going really hard. And it's because I take that stuff very emotional when it comes to addictions and drunk driving and stuff. But I actually have some really good news. At the date that this video is going live, she filmed exactly a month prior. And we got an update from her that she's been a month sober now, and that's incredible. And I think that is worth celebrating. And we're in her corner. We are willing to help, connect with resources, and do anything just like any guest who's ever been on. And we are rooting for her. So, a little bit of positivity in this, uh, intense moment. Now, back to the episode. Self-assess, where do you think you are? Zero to ten, zero being the worst finances, ten being the best?

• 27:21Speaker 05

  I'm gonna say a one.

• 27:24Caleb Hammer?

  What about your brain health?

• 27:27Speaker 05

  Um, I'd give that like an eight.

• 27:30Caleb Hammer?

  Mm-hmm. If you want your Hammer Financial Score, it's free. Figure out where you stand, where your finances stand, where your financial health is. Uh, that link is in the description below. And if you want to come on the show, come on the show. We'll have a good time here. I'm not having a good time here with this one, but usually 99% of them are a good time. I'll give you a verbal punching. Just don't be a [bleep] drunk driver and I won't actually dislike you. Uh, go to CalebHammer.com/apply and I'd be happy to have you on.

• 27:56Caleb Hammer?

  U.S. Bank.

• 27:58Speaker 05

  Yeah, so that card?

• 28:00Caleb Hammer?

  Nothing pisses me off more than drunk drivers. Like, I, I don't feel like you deserve help.

• 28:06Speaker 05

  I mean, that's fair. I think it was [bleep] choice. I learned my lesson. Haven't done it again.

• 28:11Caleb Hammer?

  You've done it twice, though.

• 28:14Speaker 05

  Yeah, it was a bad choice.

• 28:15Caleb Hammer?

  Like, I'm good with making mistakes once.

• 28:19Speaker 05

  To be honest, I really like when I left the restaurant. Because we, it was four drinks over the course of two hours. And we were eating a lot and stuff. And when I left, I felt fine. And what happened is when we-

• 28:32Caleb Hammer?

  Do you even know what feeling fine's like?

• 28:33Speaker 05

  Yeah, I do.

• 28:34Caleb Hammer?

  You're [bleep] up endlessly. You're every day of your life. Every day of your life. Yeah, but you won't be after this statistically.

• 28:40Speaker 05

  I will be.

• 28:41Caleb Hammer?

  Really? So this is your one of seven?

• 28:44Speaker 05

  Well, yesterday would technically be my one of seven.

• 28:46Caleb Hammer?

  So you're gonna be [bleep] up tonight, according to you?

• 28:49Speaker 05

  I mean, I wouldn't consider having like two drinks.

• 28:52Caleb Hammer?

  I don't know how you live, man, but look at what you've described so far. This U.S. Bank, $1,679.86 with a $79 minimum monthly payment. Okay. So you made a little more than the minimum. It didn't matter, though. It didn't [bleep] matter. It was a credit. No, we got some credit. Is that what it was?

• 29:11Speaker 05

  No, that's a payment. That's a payment. I pay 120 on that one every time.

• 29:15Caleb Hammer?

  Okay, so you paid more than the minimum. Good job. Well done. Then you purchased $167. So what even was the [bleep] point? Because we went from $1,593, even though you paid 120, it went to $1,679. So it went up, plus essentially $40 of interest. So if interest is accruing, we are not able to pay off the full balance. Why are we purchasing on this card?

• 29:38Speaker 05

  I wasn't for a long time.

• 29:39Caleb Hammer?

  I don't give a [__] you are right now. So why are we purchasing on this card? Why do I give a [__] you haven't for a long time?

• 29:46Speaker 05

  Okay, I think-

• 29:47Caleb Hammer?

  You are right now!

• 29:48Speaker 05

  I don't know for sure, but I think it was at Lavacca.

• 29:53Caleb Hammer?

  It's at multiple places and Lavacca's not one of them.

• 29:56Speaker 05

  Oh, well, that's what I would assume it was at.

• 29:59Caleb Hammer?

  And you're incorrect, so I don't give a [__].

• 30:02Speaker 05

  Well, I don't know what I bought.

• 30:03Caleb Hammer?

  Why are you purchasing on a damn card that you can't pay off? And why are you especially purchasing more than a minimum monthly payment?

• 30:10Speaker 05

  I really don't know what I bought.

• 30:11Caleb Hammer?

  I don't give a [__], why would you spend on the card?

• 30:14Speaker 05

  Cause there was money on it.

• 30:16Caleb Hammer?

  Huh?

• 30:17Speaker 05

  Cause there was money.

• 30:18Caleb Hammer?

  Are you talking about availability?

• 30:19Speaker 05

  Yeah, there was, and uh-

• 30:21Caleb Hammer?

  What? There's a few hundred dollars of availability? So this is what you mean by manifesting money? You have a [__] three hundred dollar availability to spend on a credit card? That's manifesting money?

• 30:30Speaker 05

  No!

• 30:31Caleb Hammer?

  That's what gets you places?

• 30:32Speaker 05

  No. I mean like, actual like, cash. Like, one time I needed money-

• 30:37Caleb Hammer?

  Why don't you manifest enough to pay off this card? Oh wait, you didn't. You ended up spending more than you put on it. So [__] you, what are you talking about? That is obviously bull [__] then. That is obviously not how it works, cause look where you are.

• 30:48Speaker 05

  I mean-

• 30:48Caleb Hammer?

  Do you not get this?

• 30:49Speaker 05

  Sometimes, if I just like, have bills coming out of my bank, then I just use that card.

• 30:56Caleb Hammer?

  What?

• 30:57Speaker 05

  Yeah.

• 30:57Caleb Hammer?

  For, for, for, for anything else that's not bills?

• 31:00Speaker 05

  Yeah.

• 31:00Caleb Hammer?

  Why not have enough in your [__] bank account to- You make just under the median household income of Austin, [__] Texas! And you live on the cheap side of town.

• 31:10Speaker 05

  Yeah. I mean-

• 31:13Caleb Hammer?

  Wait.

• 31:15Caleb Hammer?

  Do I know that? Wait. Don't, uh, we'll bleep it. What's that, what side of town are you in? Nah, okay. Well, it depends how far south you are. But, but, maybe.

• 31:27Caleb Hammer?

  Either way, uh, this makes no sense. Why not have enough money-

• 31:31Speaker 05

  I know, it makes no sense.

• 31:33Caleb Hammer?

  Oh, wonderful, so you, you're, you, so you changed it then? Cause you know.

• 31:37Speaker 05

  No, I haven't changed it, because-

• 31:41Speaker 05

  I guess I just thought, well, I'm already [bleep] so who cares? And I'll deal with it later.

• 31:53Speaker 05

  I'm a big, I'll deal with it later.

• 31:55Caleb Hammer?

  No [bleep] with your [bleep] use, with your drinking, with your [bleep] money, with your retirement, with your emergency fund, with your debt. No [bleep] that is your entire [bleep] life sentiment is I'll deal with it later. This is huge for financial audit. For a year now, my team and I have worked with experts to create what I truly believe are the three best educational programs in the financial space online. We have our budgeting program where I teach you how to create, manage, and revolutionize your budget and control your money. And then there's the investing program where I teach you to define what investing profile applies to you and your life, and then teach what specific investing strategies applies to you in that situation.

• 32:37Caleb Hammer?

  And now finally, we have our debt program where I teach you the best ways to pay off debt, manage debt, and even take advantage of good debt. This has been a revolutionary project that we've been working on for over a year now. And just like over 10,000 people who've already taken our educational programs, you can now take advantage of all three of them bundled together at a 15% discount. I've heard from thousands of people now who've taken these classes and they've literally changed their lives for the better. And finally, you can too, at a more affordable price. Head to CalebHammer.com or click the link in the description below. You will not regret this.

• 33:15Speaker 05

  I mean.

• 33:15Caleb Hammer?

  But the later it just gets, it becomes overwhelming, it becomes bankruptcy required, becomes, or a car gets repoed, becomes getting affected because you're not paying that rent. You know, so many things happen. It comes, a car breaks down and, or your car gets [bleep] insurance is a couple, whatever it is. And, okay, then you already have a car loan and you have no choice but to get another car loan, but maybe your debt income's [bleep] and you only get something predatory like a 30% car loan. If you even get that, you don't know, you don't understand how bad it can get because you've had debt debt to take care of your entire life so far, which is probably [bleep].

• 33:49Speaker 05

  I would say he takes care of my whole life.

• 33:52Caleb Hammer?

  But you're allowed to lean back on him.

• 33:54Speaker 05

  I mean, if I need something, yeah.

• 33:55Caleb Hammer?

  Exactly. So you, that's what they're for to use?

• 33:58Speaker 05

  No, to help.

• 33:59Caleb Hammer?

  No, no, no, no, no, no, no, no, no, no, no, no, no. You don't use them for help. You use them to not save up an emergency fund. You use them to not contribute enough to retirement. You use them so you can around. You don't use them for help. Help is if you have no other chance and you have tried everything. Yes, help. You are not trying everything. You're just allowing to fall back on them. Your parents are not an emergency fund.

• 34:23Speaker 05

  My dad knows about my financial situation.

• 34:25Caleb Hammer?

  Then he's a dumb who's enabling his daughter.

• 34:29Speaker 05

  I wouldn't say so, but that's just my opinion.

• 34:34Speaker 05

  I think he's a good guy.

• 34:35Caleb Hammer?

  Your opinion? Do you just say that about anything regardless if it's like, is that what you're like? I, I, I don't, you could say that about anything. That's bullshit. That is not a get out of things. He is obviously, he's literally enabling you spending a thousand dollars a month on.

• 34:51Speaker 05

  Well, he also enables my sister and my brother. So I think that.

• 34:54Caleb Hammer?

  What? They also do a thousand months, uh, dollars a month on drugs?

• 34:58Speaker 05

  Well.

• 34:59Caleb Hammer?

  Then he up as a parent.

• 35:00Speaker 05

  I wouldn't say.

• 35:01Caleb Hammer?

  I thought maybe you'd be the failure kid. We can accept that, but.

• 35:04Speaker 05

  No, there's, there's four of us.

• 35:06Caleb Hammer?

  And they're all failure kids. So.

• 35:08Speaker 05

  Well, we have one sister who's like, she's pretty well off and she like, did the right thing. Um.

• 35:14Caleb Hammer?

  Why, why, why, why wouldn't you want to be like her?

• 35:17Speaker 05

  I prefer not to say.

• 35:21Speaker 05

  Her life just does not seem appealing to me.

• 35:24Caleb Hammer?

  Okay. I'm not going to force you to say anything you don't want to say. I think that would have been a very insightful and helpful thing because obviously.

• 35:33Speaker 05

  Lifestyle isn't appealing and she's like. I mean, she has a lot of money, but like.

• 35:40Caleb Hammer?

  It's not just about the accumulation of wealth.

• 35:42Speaker 05

  But like, I wouldn't say that she's like any happier than the rest of us. So it's not really something that I look at and I'm like, oh, let me be rich and miserable.

• 35:53Caleb Hammer?

  Are you miserable?

• 35:55Speaker 05

  No. But I don't think she's having a great time all the time.

• 36:01Speaker 05

  So I don't look at her as an example, cuz like it's just not who I would wanna be or the lifestyle that I would want. So I can't take an example from that.

• 36:10Caleb Hammer?

  Okay, sure. Her life isn't fulfilling in different ways, okay. Like, again, it's not about the accumulation of wealth specifically. And if what you're looking for isn't to live her life, that's not necessarily a bad thing.

• 36:27Caleb Hammer?

  You know, she would have to have fun, enjoy. The literal act of getting a dollar bill is not what's gonna drive the happiness of the entirety of life. Obviously, money can help with happiness cuz it avoids stressors in certain areas. It certainly does. Many people say there's a cap that you can earn where you can't get happiness beyond that. I don't know, I don't really give a.

• 36:49Caleb Hammer?

  But you're gonna be really unhappy when dad's not there and you lose a job and you don't have anything.

• 36:54Speaker 05

  So far, up to this point, I have never lost a job.

• 36:59Caleb Hammer?

  You're twenty-six. You've been in the professional workforce post-college for a few years.

• 37:04Speaker 05

  I didn't even go to college.

• 37:05Caleb Hammer?

  You've been in the professional workforce, real professional workforce, for less than a decade. You've never experienced a downturn in the economy, you've never experienced a bad job market.

• 37:16Speaker 05

  Yeah, but working in logistics, like the market flips all the time and people do get laid off.

• 37:20Caleb Hammer?

  But you've never actually.

• 37:22Speaker 05

  I just worked through one. I just worked through a market flip.

• 37:25Caleb Hammer?

  A market flip, but you've never experienced a whole entire economic downturn.

• 37:30Speaker 05

  No, but I also work in an industry that is always going to need people.

• 37:34Caleb Hammer?

  That's interesting cuz literally almost everyone says that who is overconfident. Same thing with medical, guess what? You don't know what happens. We did not see a housing market collapse. That's why it was a bubble. Hindsight, twenty-twenty.

• 37:49Speaker 05

  I mean, yeah.

• 37:49Caleb Hammer?

  But you don't know what is going to happen and why the next economic collapse, which is human nature, is going to happen.

• 37:56Speaker 05

  I know everyone says that, but also, I work in logistics, we always need goods and product delivered and imported and exported, that's never gonna stop.

• 38:05Caleb Hammer?

  Good thing there's no conversations about tariffs and trade wars happening in the.

• 38:09Speaker 05

  We're still going to be moving product.

• 38:11Caleb Hammer?

  I know, but you, oh, you were beyond overconfident. And also, maybe they just don't like you. Maybe you just don't become a, maybe you slack and you're not a good worker and they just don't want you.

• 38:22Speaker 05

  That's not the problem.

• 38:23Caleb Hammer?

  Uh, not right now.

• 38:27Speaker 05

  No, right now-

• 38:28Caleb Hammer?

  Maybe you become injured. There is so much that can happen.

• 38:33Speaker 05

  I mean, I see things very black and white. It's like either one way or the other way.

• 38:37Caleb Hammer?

  No, you see things very roses and rainbows.

• 38:41Speaker 05

  Yeah, life is supposed to be fun. What's the point in living if we don't have any fun?

• 38:46Caleb Hammer?

  Life is supposed to be fun.

• 38:47Speaker 05

  We're not here to just work and die.

• 38:49Caleb Hammer?

  We're not here for anything. We're an accumulation of cells. We're not fucking entitled to anything. We are lucky that somehow humans have gotten to the point where we've been able to build civilization 200 years ago. Oh, you know, we'd all die like in infanthood. This isn't some magical thing that is happening.

• 39:10Speaker 05

  No, but if I'm-

• 39:11Caleb Hammer?

  We're not here to work and die. We're also not here for fun. We're literally just born and we exist as a combination of cells. Congratulations.

• 39:18Speaker 05

  But some of you want to work and die and some of you, some of us want to have fun while we're here.

• 39:24Caleb Hammer?

  And why are you fucking here? I don't care. Listen, if you-

• 39:26Speaker 05

  It's bad. It's bad. I mean, I'm-

• 39:29Caleb Hammer?

  Then what's the point? Listen, I don't care. If you actually want to just live that life, I'm okay with it. Do it. Do it. Go, I will encourage you to live your life that you want to do as long as you don't negatively affect others. Do it.

• 39:43Speaker 05

  Yeah, but I think-

• 39:44Caleb Hammer?

  Now stop for a second. I don't care. That's fine. I'm talking to you about this and trying to get this stuff through because the people that come on the show come to get financial help. So that's why I'm going through that. If you want to live that life, do it. I don't care as long as you don't hurt other people. So where I would disagree is if you start your life so much that you start mooching off of others, that's instead of being a productive member of society. That is where I would not like what you're doing because then you're actually taking advantage of others. But if you just party it up, make your income blow it all, whatever, that's fine. You do you. Retirement, who knows how you would do that as long as you don't drain from others, whatever.

• 40:22Speaker 05

  Yeah, I think

• 40:24Speaker 05

  there's probably a way to like have fun and not spend $6,000 a month.

• 40:31Speaker 05

  I just haven't figured it out.

• 40:33Caleb Hammer?

  You'd probably spend thirty percent of your money on fun if you're budgeting properly.

• 40:37Speaker 05

  Well, I attempted to budget for two months and like track my spending.

• 40:43Caleb Hammer?

  Yeah.

• 40:44Speaker 05

  But then I saw that for the month, I spent fifty-five hundred dollars and then I stopped tracking my spending.

• 40:51Caleb Hammer?

  Isn't that usually when we're like, oh shit.

• 40:54Speaker 05

  I did say, oh shit, and then I was like, well, I don't really know where to cut back.

• 41:01Caleb Hammer?

  So then we did, okay, so great.

• 41:03Speaker 05

  Yes.

• 41:04Caleb Hammer?

  Productive evening.

• 41:05Speaker 05

  Productive evening, for sure.

• 41:07Caleb Hammer?

  You'll get our budgeting class, you'll get our investing class, you'll get our, uh, our debt class. Take them, take the quiz. I don't, I don't believe in you, blah, blah, blah, blah, blah, blah. Y'all get fifteen percent off if you bundle them together. You get it for free. I hope you take it.

• 41:20Speaker 05

  I will.

• 41:21Caleb Hammer?

  Goodwill. That's where we went on here on a credit card that we can't pay off.

• 41:27Caleb Hammer?

  Just a few bucks in Target, so we're stopping and we're getting something. We got, we went to the market, got some bullshit.

• 41:31Speaker 05

  That market is actually.

• 41:33Caleb Hammer?

  Went to the market and got.

• 41:34Speaker 06

  Bonjour, compadre. It's the

• 41:38Speaker 06

  How do I negotiate so many great travel deals? My greatest gadget, the Priceline app. It's got hotel deals, flight deals, rental car deals, all of those deals in a bundle. Deals, game day deals, concert trip deals. No one deals more deals than Priceline. Hold your horses, there's more. The app lets you filter hotels by neighborhood, vibe, star level, and amenities like pools and spas and beachfronts. Wait, I'm not done. Stop cutting me off.

• 42:05Speaker 05

  Actually, not a store.

• 42:06Caleb Hammer?

  Yeah.

• 42:07Speaker 05

  It's like these little, well, I guess it is. It's little mini-marts that are set up at my work.

• 42:12Caleb Hammer?

  Yeah.

• 42:13Speaker 05

  So, that's me getting like Red Bulls and snacks.

• 42:18Caleb Hammer?

  So, okay, great. Things that

• 42:22Caleb Hammer?

  you've literally had likely two late fees on this card this year so far. As in, you did not have enough money, yet you are still building up. All the way up, but two late fees doesn't matter, guys. Thank goodness.

• 42:34Speaker 05

  Actually, those weren't because I didn't have money to pay. It was because I forgot.

• 42:38Caleb Hammer?

  Auto pay!

• 42:40Speaker 05

  Well, it's on auto pay now.

• 42:42Caleb Hammer?

  Think.

• 42:43Speaker 05

  It has been for a little bit.

• 42:45Caleb Hammer?

  And then total interest this year so far on one card, five hundred dollars.

• 42:50Speaker 05

  Yeah.

• 42:53Caleb Hammer?

  It's insane, it's insane. That a thousand dollars a month? Literally, if you put it...

• 43:00Speaker 05

  That's the problem. I think that I can utilize it better and still go out.

• 43:06Caleb Hammer?

  I'm not opposed to you having fun. I'm opposed to the [__] parts depending, but it's, you know, heavily dependent, but... Even that just thousand dollars, you could let it sit in, uh, uh, uh, if you opened a Mu Mu account, that's the app that I use for investing. If you just put it in there, you don't even invest it. You get like 8.1% on your money. Literally 8%, 8% uninvested. Just sits there for people that sign up. 8%, but instead, this is going to...

• 43:36Caleb Hammer?

  In your system.

• 43:39Caleb Hammer?

  It's crazy. City Double Cash, I love this card. But you're not using it correctly. Not even close. In fact, the only thing I would recommend for you is the Fizz card. Cause it acts like a debit card. You have the Fizz card?

• 43:53Speaker 05

  Yes.

• 43:53Caleb Hammer?

  Good. Is it in here?

• 43:55Speaker 05

  No, it's a recent thing.

• 43:57Caleb Hammer?

  Well, that's good. I'm glad you have that. As long as you utilize it properly, but obviously the city, you're not. Well, cause it kind of forces you to, unlike this.

• 44:06Speaker 05

  Well, I actually got it because I watched your show and was like, yeah, I probably need to stop.

• 44:10Caleb Hammer?

  You watch this show?

• 44:12Speaker 05

  A lot.

• 44:14Caleb Hammer?

  The [__] wrong with you?

• 44:16Speaker 05

  That's, that's really...

• 44:17Caleb Hammer?

  What is your goal here?

• 44:19Speaker 05

  No, that's really why I applied because I, I don't know anything about money and then when I started tracking...

• 44:27Caleb Hammer?

  This is the damn thing. You watch it. Sure, it's a fun show.

• 44:30Speaker 05

  No, but once I started tracking, I realized like, oh, this is way worse than I thought and I really don't know what I'm doing.

• 44:36Caleb Hammer?

  Exactly, but this is the thing. This is what people like you do. I'm not a magic pill.

• 44:40Speaker 05

  No, I don't think you are.

• 44:41Caleb Hammer?

  I don't fix everything. Then what is the point again for coming? Cause I don't fix this. I, I do the wake up call. I want to drive home some points. I want to drive home some points. The wake up call?

• 44:53Speaker 05

  Yeah.

• 44:53Caleb Hammer?

  Doesn't sound like I'm getting through so far. And then...

• 44:55Speaker 05

  We just started.

• 44:57Caleb Hammer?

  Not really. And, and then I create a budget and I do connect you with resources as well.

• 45:03Speaker 05

  I just need someone to look at it all and tell me that I'm fucked.

• 45:06Caleb Hammer?

  If I connect you with a financial advisor, will you, will, are they even able to come through to you? Like, will they even be able to break through this like? Wall of substance in your brain like I'm so confused.

• 45:19Speaker 05

  I'm a coherent functioning like high functioning person.

• 45:26Speaker 05

  I think most people in my life would agree. I'm kind of at a loss once I started like looking at everything and what I'm spending and I realized that I have no idea what I'm doing. Obviously, I don't think you're gonna fix everything, but I need some perspective about what I'm doing with my life.

• 45:47Caleb Hammer?

  I've been trying to give some perspective. You're just, I think, kind of like a brick wall. Like, you're just one of those people. This might be something to accept, but you just might be one of those people that's like, I want help within the moment that like an opinion that goes against the worldview happens, they just shut down. Listen, on here you have a thousand five hundred eighteen dollars and three cents. Fees? Why is there a fee? Why is there a thirty dollar fee? Uh, me, and then a thirty seven dollar interest. Okay, you made the minimum monthly. Now it's seventy, it's gone up. What happened here? Why's the fee? It's because you're over the credit limit. You're fucking over the credit limit!

• 46:30Speaker 05

  That was an accident.

• 46:32Caleb Hammer?

  Why are we over the credit limit?

• 46:34Speaker 05

  What happened was I didn't mean to use that card.

• 46:37Caleb Hammer?

  Cause I was high.

• 46:39Speaker 05

  Sure, yeah. I didn't mean to use that card. And then by the time I realized, it was too late and the transaction already went through, so I just chalked it up to a loss.

• 46:52Caleb Hammer?

  Can I ask you a question that might be considered inappropriate, but I don't give a some not a weird pearl collector. Uh, but also might be considered offensive and I do care about that, but that's why I'm asking permission.

• 47:04Speaker 05

  What?

• 47:05Caleb Hammer?

  Okay, I guess that's permission.

• 47:06Speaker 05

  What's the question?

• 47:07Caleb Hammer?

  Okay.

• 47:11Caleb Hammer?

  When's the last time you had a relationship?

• 47:16Speaker 05

  Um, probably a couple of months ago.

• 47:21Caleb Hammer?

  Probably a cou- okay.

• 47:23Speaker 05

  I don't like to date exclusively.

• 47:24Caleb Hammer?

  Was he a dealer?

• 47:26Speaker 05

  No.

• 47:26Caleb Hammer?

  Okay, that wasn't my real question. That was a jab. How long did it last?

• 47:31Speaker 05

  I broke up with him after a month.

• 47:36Speaker 05

  But I've had, I've had long-term relationships.

• 47:40Caleb Hammer?

  How do they deal with you and your existence and your habits and your everything?

• 47:46Speaker 05

  I pick men that

• 47:48Caleb Hammer?

  Are fuckers.

• 47:49Speaker 05

  Know that they let me run the show. It's my way or the highway.

• 47:53Caleb Hammer?

  Little sub boys?

• 47:54Speaker 05

  Yeah.

• 47:55Caleb Hammer?

  Little subby boys?

• 47:56Speaker 05

  That's what I go for.

• 47:57Caleb Hammer?

  You like little subs?

• 47:59Speaker 05

  Yeah, simp guys, you know, they'll just let you do whatever you want.

• 48:04Caleb Hammer?

  So weird.

• 48:05Speaker 05

  They don't care.

• 48:06Caleb Hammer?

  I know. I'm just trying to picture. I don't think I know anyone like that, but they get very like, um,

• 48:15Caleb Hammer?

  as well. They're like, okay with this. They're okay with you being like a failure in life other than your income.

• 48:23Caleb Hammer?

  We're all looking for a fresh start this time of year. From eating better to losing weight, we all have some bad habits to stop and some good ones to start. You can give your finances a huge fresh start. Make this year the year you start getting out of debt and stop being crushed by it. And the first step is to contact PDS Debt for a personalized debt solution. If you're making debt payments every month on your debt and your balances aren't going down, PDS has solutions for you. Everyone with $10,000 or more in eligible debt qualifies and there's no minimum credit score required. Bad and fair credit are accepted. Save more while paying off your debt in a fraction of the time. I was struggling to get out of debt for a long time back in my early twenties and if I had a solution

• 49:05Caleb Hammer?

  that would have gotten me there quicker while I also fixed my behavior, I would have taken it because it would have allowed me to kickstart everything I'm trying to do now even earlier. PDS Debt strives to understand your specific scenario and can help provide Alternative solutions to becoming debt free. Make this the year you take control of your debt. Get a free debt analysis right now at P D S debt dot com slash hammer. It only takes thirty seconds. That's P D S D E B T dot com slash hammer. P D S debt dot com slash hammer.

• 49:36Speaker 05

  I don't think any of them would consider me a failure. Um, but I've definitely had some of them that are like, hey, I think you should stay in the house more.

• 49:45Caleb Hammer?

  I don't even care about staying in the house part.

• 49:49Caleb Hammer?

  Does it have to do with the potential bad habits?

• 49:51Speaker 05

  Yes.

• 49:52Caleb Hammer?

  Okay, why are you not willing to listen to anyone? It sounds like many people have tried to tell you the reality of your life. The reality of your potential problem, how it's affecting things. Now your relationships can't last. What do you mean you don't date exclusively? Does that mean you're just like fucking around? Well, that's okay. I'm not judging. Never mind.

• 50:07Speaker 05

  I mean.

• 50:08Caleb Hammer?

  I don't care.

• 50:08Speaker 05

  I'm not gonna call a man my boyfriend. I'm not gonna, I'm not gonna exclusively date a man.

• 50:15Caleb Hammer?

  I don't care.

• 50:15Speaker 05

  So. Yeah, I mean, I have little boyfriends.

• 50:19Caleb Hammer?

  Little boyfriends. She just has a little. Okay. That's post show talk. That's post show talk. That's where we get into the. Inappropriate stuff. But that makes sense. The reason I ask is that like, how do people, you know, put up with that? Have they ever said anything? Well, they don't put up with it and they do say something, even though they're simple little simpies. Simple little. Little, little bit. Little, little bottoms.

• 50:45Speaker 05

  I mean, they'll say something, but I usually get my way.

• 50:47Caleb Hammer?

  And even they are willing to speak up.

• 50:49Speaker 05

  But I usually get my way.

• 50:51Caleb Hammer?

  Uh huh. Sure. It was the only fee this year so far on this card. What was the fee?

• 50:57Speaker 05

  It was for that over.

• 50:58Caleb Hammer?

  It was a return fee because you didn't have enough money in your account that was paying for this.

• 51:03Speaker 05

  I don't know when that happened.

• 51:04Caleb Hammer?

  You don't even.

• 51:06Speaker 05

  No, to be honest, that card, I.

• 51:10Speaker 05

  Need to pay better attention to cuz I don't use it anymore. I like cut all of them up. So I don't use it anymore. So

• 51:19Caleb Hammer?

  You've cut your, but that can't be true. You were using that last card.

• 51:22Speaker 05

  Well, that last one is on my Apple Pay.

• 51:25Caleb Hammer?

  Then what's the point of cutting it up? That's just a physical moving. Doesn't matter if you're not, if you're, if you're still using the cards.

• 51:33Speaker 05

  Well, cut it up.

• 51:34Caleb Hammer?

  That's the same act as you just ordering a replacement because you cut it up.

• 51:38Speaker 05

  Cut it up and then I went out and realized while I was buzzed that I could add it to my Apple Pay.

• 51:43Caleb Hammer?

  Four hundred dollars of interest accrued this year. So fucking far.

• 51:47Speaker 05

  Yeah.

• 51:48Caleb Hammer?

  Just on that damn card.

• 51:51Caleb Hammer?

  For sake. You know, the resources I was gonna connect you with are different. Usually I connect people with like the course careers for like income stuff, but I guess I'm not connecting you with that. No, we're doing the mental health one for you.

• 52:04Speaker 05

  I go to therapy and I see a psychiatrist.

• 52:07Caleb Hammer?

  What? Okay, maybe you need to try a different therapist. We work with Sandermind for our guests. We can get you three free therapy sessions with them if you would like three free and then of course the audience always gets a deal. Every time we get a resource for the guest, the audience gets to deal as well. So Sandermind, and then I'm also gonna give you a free session with of the financial advisors that I personally use. Okay? Actually use that and please actually listen to them and please consider the therapy a bit more. And then, um, everyone in the audience also gets a free session with, uh, the ther- uh, not the therapist, the, uh, uh, domain money who I use. As the advisors, but my gosh. So take advantage of those resources. Okay. I don't think, I don't, you don't need the career resources. You need the I'm fucked up resources.

• 52:49Speaker 05

  Okay.

• 52:49Caleb Hammer?

  What is this ally? What are we looking at?

• 52:51Speaker 05

  That's my car payment.

• 52:52Caleb Hammer?

  Yeah, it is. Okay. Why do you have an unpaid balance?

• 52:58Speaker 05

  Cause that was before it was due.

• 53:01Caleb Hammer?

  Okay.

• 53:01Speaker 05

  That was right. This statement was right before it was due.

• 53:05Caleb Hammer?

  Just what is the total owed on? Oh, here it is. Nine thousand four hundred forty seven dollars and eighty.

• 53:11Speaker 05

  Which honestly I've paid a lot of that off. Because it started out at seventeen thousand.

• 53:18Caleb Hammer?

  But extra?

• 53:20Speaker 05

  So it, no, so the original loan amount was like seventeen thousand three hundred.

• 53:24Caleb Hammer?

  What is the interest on here?

• 53:26Speaker 05

  Eight percent.

• 53:28Caleb Hammer?

  It's not good.

• 53:29Speaker 05

  No, but it was, it was that situation where my car got lit on fire and so I, I went and got this. This was the cheapest car on the lot and we just bought it.

• 53:38Caleb Hammer?

  Yeah, probably not the cheapest interest rate for when you got it, though.

• 53:40Speaker 05

  No, it's not the best. I got it during covid.

• 53:43Caleb Hammer?

  I know, you could have got a much lower rate, except your finances are.

• 53:46Speaker 05

  Actually, they weren't as bad back then.

• 53:48Caleb Hammer?

  Then what the fuck? Why didn't you shop for rates? Did you get this through the dealer?

• 53:52Speaker 05

  Yeah, because I actually came back from Texas.

• 53:55Caleb Hammer?

  Shop rates, guys, shop rates.

• 53:56Speaker 05

  I came back from Texas and that day I needed a car, so we went and bought this car in six hours.

• 54:03Caleb Hammer?

  Oh, no, no, we can Uber for a couple of weeks to save thousands of dollars. Yes, we can.

• 54:08Speaker 05

  No, not in Portland, Oregon. I don't trust anybody. My dad didn't want me to ride the bus or Uber either.

• 54:14Caleb Hammer?

  Then daddy can drive, or daddy can get a rental car.

• 54:17Speaker 05

  I mean, he offered that.

• 54:18Caleb Hammer?

  There you go. We don't get a car in six hours.

• 54:20Speaker 05

  I didn't want him to.

• 54:21Caleb Hammer?

  But that leads to bad fucking mistakes, obviously. Dude, you're not open to anything. Everything is, the fence, the fence, the fence, the fence, the fence.

• 54:30Speaker 05

  It's just like, it's really hard to live in a, a city with no car.

• 54:34Caleb Hammer?

  No shit, I'm not saying don't have a car, but you went from I can't have no car to six hours.

• 54:41Speaker 05

  Yeah.

• 54:42Caleb Hammer?

  If you need to sacrifice for a week with Uber or DAD D or a rental car, if it saves thousands of dollars, it is worth it.

• 54:51Speaker 05

  I guess, I mean, I didn't know anything about buying a car, honestly, so I thought like, oh, this is just how it goes.

• 54:57Caleb Hammer?

  It is, pretty much for Americans, because Americans are dumb.

• 55:00Speaker 05

  Yeah, I didn't, like, all my.

• 55:02Caleb Hammer?

  Learn this for your next car, but again, what?

• 55:03Speaker 05

  I'm not getting another car for a long time.

• 55:06Caleb Hammer?

  You don't know that.

• 55:07Speaker 05

  Unless this one dies.

• 55:08Caleb Hammer?

  This is your confidence thing. Exactly, this is your confidence thing. You don't know what's going to happen. You don't know what is going to happen.

• 55:16Speaker 05

  No.

• 55:16Caleb Hammer?

  But you are pretending like everything's gonna be perfect always, no matter what.

• 55:19Speaker 05

  Yeah, that's what I do. I mean, it helps me get.

• 55:23Caleb Hammer?

  It doesn't help you get by?

• 55:24Speaker 05

  It doesn't.

• 55:25Caleb Hammer?

  It might help you get to sleep tonight, but um, you know, a year from now, you could end up like many of the guests on the show that are beyond.

• 55:33Speaker 05

  That's.

• 55:34Caleb Hammer?

  Beyond, because that's where people end up who are like you. You're in the preventative stage. No, you are in many cases, but I mean, but you are in that before stage before like the total no way out situation. You are lucky enough to have a strong income. What's the car worth? I mean, you owe nine thousand on it. What's it worth?

• 55:52Speaker 05

  Well, because of the body damage, the quote that I got was about twenty-five hundred.

• 56:00Caleb Hammer?

  Sounds about right. Good job. You're under by five thousand dollars.

• 56:02Speaker 05

  Yep.

• 56:03Caleb Hammer?

  Well done.

• 56:04Speaker 05

  It was worth more until I damaged the body of the car.

• 56:09Caleb Hammer?

  That's how it goes. Still would have been underwater decently dramatically.

• 56:14Speaker 05

  Yeah, I think when I was owing ten or eleven thousand, it was valued at eighty-four hundred.

• 56:20Caleb Hammer?

  Capital one, okay.

• 56:25Speaker 05

  I will say though, I, I have two, two cards I did completely. I don't spend on them. They're at zero. One of them is closed. So I'm not like spending every single cent that I have.

• 56:38Caleb Hammer?

  Are you fucking stupid? You spent six thousand dollars. You bring in less than four. Shut the fuck up.

• 56:43Speaker 05

  But I'm not using all my credit.

• 56:44Caleb Hammer?

  The number. Oh, if that's what you're saying.

• 56:47Speaker 05

  Yeah, I'm not using all my credit.

• 56:49Caleb Hammer?

  Well done. The most basic minimum thing we could do to not die. Well done. Good job. You're not touching the top of the stove and keeping your hand there the whole time. Yeah, you did it. So proud of you. Well, guys, let's get out the ceremony. Confetti.

• 57:12Caleb Hammer?

  Well, at least Lindsay's telling me that we're gonna talk about, apparently the post show is gonna be fun. She says that's gonna lift my mood. So I'm excited for that. Because so far, not so great. Oh, good. We're purchasing two hundred dollars on here and the balance went up by a hundred dollars. Oh, good. We're at the credit limit. You know, the thing you just bragged about not ever doing. We're at the credit limit on here.

• 57:35Speaker 05

  I said on two cards I didn't do it.

• 57:38Caleb Hammer?

  Well done. Congratulations. Thank you.

• 57:40Speaker 05

  I don't know what I bought on that card.

• 57:42Caleb Hammer?

  You don't know what you buy on any.

• 57:44Speaker 05

  No, I really, honestly, unless.

• 57:47Caleb Hammer?

  Even just looking at your damn accounts is a start.

• 57:52Speaker 05

  Yeah, I think that once my account gets below a certain amount is when I stop looking.

• 57:58Caleb Hammer?

  Guys, I'm pulling out this [bleep] thing for this.

• 58:01Speaker 05

  But I do try to check it, but yeah, once I get to a certain amount of money, it just like, I just don't look at it anymore.

• 58:09Caleb Hammer?

  I'm gonna call out to the audience now. Cause I know I'm suffering right now. And I know that this person in front of me is [bleep] up a lot. Don't stack and make it worse, cause I know this is one of those episodes where someone, people would go really hard in the comments. Maybe let's just be chill on this one.

• 58:34Caleb Hammer?

  For fuck's sake. I can, I can barely take this, and usually if that's the case, like for [bleep]. Okay, twenty-five dollar minimum payment.

• 58:46Caleb Hammer?

  Went inside, got some [bleep] from Target, Amazon, Amazon, [bleep] Target, [bleep] Target.

• 58:53Speaker 05

  The problem with Target-

• 58:54Speaker 06

  Bonjour, compadre. It's the- Priceline Negotiator! How do I negotiate so many great travel deals? My greatest gadget, the Priceline app. It's got hotel deals, flight deals, rental car deals, all of those deals in a bundle. Deals, game day deals, concert trip deals. No one deals more deals than Priceline. Hold your horses, there's more. The app lets you filter hotels by neighborhood, vibe, star level, and amenities like pools and spas and beachfronts. Wait, I'm not done. Stop cutting me off.

• 59:24Speaker 05

  Target is, I, it's a convenience thing because-

• 59:28Caleb Hammer?

  Yeah?

• 59:29Speaker 05

  Well, cause I, there's, if I don't have something that I need or whatever, I live right behind a Target, so-

• 59:36Caleb Hammer?

  Oh!

• 59:36Speaker 05

  That's why I go to Target so much.

• 59:38Caleb Hammer?

  I love to see those receipts and see what was purchased on them.

• 59:42Speaker 05

  It's a lot of, um, snacks. For when I am stoned?

• 59:48Caleb Hammer?

  We must have been stoned quite a few times, even more.

• 59:52Speaker 05

  Um, I smoke like every day.

• 59:54Caleb Hammer?

  But those aren't even the we're talking about throughout this conversation, right?

• 59:58Speaker 05

  No.

• 59:58Caleb Hammer?

  Yeah, exactly. Okay. But, okay, but then you smoke just the normal thing that a lot of people do as well on a daily basis. I don't care as much about that one, but even still on a daily basis, that starts to sound a little dependenty and also very expensive. And also it's obviously leading to bad financial situations and also it's not good for your lung. So, I mean, there's a lot of things.

• 1:00:17Speaker 05

  Yeah, that's one I recognize, like, I is not leading me to a good financial situation because when I'm getting stoned, I'm buying food all the time and it, I shouldn't be doing that.

• 1:00:28Caleb Hammer?

  Do you also like, smoke cigarettes and vape? Are you the person that does it all? Of course you do.

• 1:00:34Speaker 05

  But I didn't start vaping until six months ago.

• 1:00:37Caleb Hammer?

  Who starts at twenty-six?

• 1:00:41Speaker 05

  I used to smoke cigarettes when I was like eighteen and then I stopped.

• 1:00:45Caleb Hammer?

  Yay, you made it. You did what is so hard for so many other people. Why go back to it? At a more addictive level because the concentration is usually higher.

• 1:00:54Speaker 05

  What happened is-

• 1:00:55Caleb Hammer?

  Why are you trying to not be able to breathe in twenty years?

• 1:00:58Speaker 05

  Really, it just stemmed from going out with my friends while hitting a vape.

• 1:01:03Caleb Hammer?

  Bad friend group for you. This is so enable you. You guys all do bad things.

• 1:01:08Speaker 05

  Yeah, I would say we definitely enable each other.

• 1:01:10Caleb Hammer?

  Then they are not good friends. They might feel nice, but that does not equal good friends. It legitimately doesn't. I don't care if that hurts and that's probably hard because it's also really hard to make friends as adults.

• 1:01:21Speaker 05

  I mean, I have like good, some good friends.

• 1:01:23Caleb Hammer?

  Then we need to cut out the bad ones.

• 1:01:27Speaker 05

  I've tried, but I always go back.

• 1:01:30Caleb Hammer?

  Because you have addicted things, you probably need to go to community things and talk to your therapist double time or get a new therapist if this one's just allowing.

• 1:01:40Caleb Hammer?

  And my nose itches like I do a bunch of But I promise I don't Cause I'd probably have a fuck panic attack

• 1:01:48Caleb Hammer?

  I don't even like drinking

• 1:01:51Caleb Hammer?

  I like the polar opposite of you I don't do any of that

• 1:01:54Speaker 05

  I have accepted that this is just where I'm at right now

• 1:01:57Caleb Hammer?

  Why accept that? That's not something you have to accept. You can change things.

• 1:02:01Speaker 05

  Um

• 1:02:02Caleb Hammer?

  You can change things.

• 1:02:02Speaker 05

  Cause that's like, well, I did recently try to like sober up And it lasted sixty-five days and then I don't really know

• 1:02:16Caleb Hammer?

  What happened?

• 1:02:17Speaker 05

  We were dealing with a lot of family stress and I decided that I didn't want to be sober anymore.

• 1:02:23Caleb Hammer?

  That's when you need to surround yourself with a really strong community. When hard times are what pushes us back over the edge. Why'd you get sobered in the first place?

• 1:02:34Speaker 05

  Cause it was a problem. It was like, it was, well

• 1:02:41Speaker 05

  I think at that point I was like functioning, but people around me were like, hey, we can definitely tell that you're like not okay.

• 1:02:51Caleb Hammer?

  And when people say they're functioning, and if people are already starting to say it, you go from functioning to not overnight. When you say you're happy, are you sure?

• 1:03:02Speaker 05

  I mean, I feel like I'm having a good time.

• 1:03:04Caleb Hammer?

  A good time, but are you happy?

• 1:03:08Caleb Hammer?

  Be real with me, are you happy?

• 1:03:09Speaker 05

  I wouldn't say I'm happy, but I wouldn't say I'm like miserable.

• 1:03:12Caleb Hammer?

  It doesn't have to be miserable, but if you're not happy,

• 1:03:17Caleb Hammer?

  we need to change that. We need to strive for what makes us happy and obviously continuing down this path is not, is not what's getting us there. I'm not saying you're either very happy or very miserable. That doesn't have to be how life works. Humanity is much more complicated than that.

• 1:03:32Speaker 05

  Yeah.

• 1:03:32Caleb Hammer?

  But you don't seem happy. And I don't know you like that. I don't. But just looking at this, looking at the copes you're doing through this conversation, the arguing back and forth, and just trying to justify and just trying to make it almost like disguised to be able to sleep better at night, that things are better than they are. I don't think you're happy. And you tried to get sober because you recognized the major issues. Then you fell back into it.

• 1:03:56Speaker 05

  Yeah, I think that's a pretty consistent like ebb and flow. I like get sober sometimes, then I go back, then I get sober again.

• 1:04:05Caleb Hammer?

  Okay, and that, I mean, that means we're not just having fun. That means we have a problem.

• 1:04:10Speaker 05

  I mean, I've been to rehab twice.

• 1:04:12Caleb Hammer?

  Oh, my gosh, this is so much more extensive than I think any of us thought.

• 1:04:15Speaker 05

  I've been to rehab twice already.

• 1:04:17Caleb Hammer?

  When? When was the last time?

• 1:04:19Speaker 05

  Uh, I haven't been to rehab since-

• 1:04:20Caleb Hammer?

  You made it at the beginning. You literally just made it sound like you were just going out and partying. And because of that, you were getting [BLEEP] and stuff at that time. You did not make it sound as extensive as all of a sudden-

• 1:04:30Speaker 05

  Uh, I haven't been to rehab since 2016.

• 1:04:32Caleb Hammer?

  Well, okay, I mean, yeah. But that doesn't mean you don't have a problem, because obviously you do.

• 1:04:40Caleb Hammer?

  What was rehab, like, well, I don't need to go into specifics.

• 1:04:44Speaker 05

  Um, I mean, I could talk about what I was there for.

• 1:04:47Caleb Hammer?

  You, you can, you can talk about what you want to talk about. I don't want you to say anything you're uncomfortable with.

• 1:04:50Speaker 05

  The first time I went, I was there for alcohol.

• 1:04:53Caleb Hammer?

  Okay.

• 1:04:54Speaker 05

  The second time I was-

• 1:04:54Caleb Hammer?

  And you drink every day, except for one.

• 1:04:56Speaker 05

  Uh, the second time was for-

• 1:04:59Caleb Hammer?

  Oh, oh my.

• 1:05:01Speaker 05

  Yes, but I've been-

• 1:05:02Caleb Hammer?

  The M word, ladies and gentlemen, the Walter White one.

• 1:05:05Speaker 05

  Um, and then I was sober for 10 months, and then I tried hair-

• 1:05:09Caleb Hammer?

  Oh, the H word this time.

• 1:05:11Speaker 05

  But I've been sober for [BLEEP] for eight years.

• 1:05:14Caleb Hammer?

  Okay, so both of them for eight years. Oh, my gosh. At 20?

• 1:05:18Speaker 05

  Yeah.

• 1:05:19Caleb Hammer?

  Oh, this is so... That's horrible. Does your dad know?

• 1:05:24Speaker 05

  Yeah, my dad.

• 1:05:25Caleb Hammer?

  And he is supporting this current lifestyle, even though he knows you're in rehab for those.

• 1:05:29Speaker 05

  I don't think he knows to the extent that I'm doing stuff.

• 1:05:32Caleb Hammer?

  I'm gonna sound like a nineteen fifty's dad, but. It's a slippery slope. Like, I mean, but, no, like, seriously, for where you are with the substances you're taking, you have the wrong evening, get surrounded with the wrong people, end up at the wrong place. You'll do one of those by accident, even a lacing.

• 1:05:48Speaker 05

  Yeah, I do worry about that sometimes.

• 1:05:50Caleb Hammer?

  And you should, because that's very real.

• 1:05:52Speaker 05

  Or something.

• 1:05:53Caleb Hammer?

  Exactly, because that's very real. We need to get as far away from this as possible. You made it sound like it was fun at the beginning, but now this is something actually serious that I'm not gonna fuck around with. And I don't know if this therapist is working if we continue to.

• 1:06:06Speaker 05

  I mean, I've been seeing her since I moved here two and a half years ago, but.

• 1:06:11Caleb Hammer?

  It's okay to break up with the therapist and see another one.

• 1:06:13Speaker 05

  Uh, I would say the last four months, I've probably only seen her a total of like three times.

• 1:06:21Caleb Hammer?

  Why?

• 1:06:22Speaker 05

  I just don't go.

• 1:06:25Caleb Hammer?

  Therapy without putting in the work on your end isn't therapy.

• 1:06:28Speaker 05

  I just don't feel, I think we were a good fit at first. I don't think we are now, but I'm kind of.

• 1:06:33Caleb Hammer?

  Tell me why.

• 1:06:36Speaker 05

  Uh. I just don't like her approach. I mean, I think.

• 1:06:41Caleb Hammer?

  Is it because she's not validating what you want to hear?

• 1:06:43Speaker 05

  No, I mean.

• 1:06:44Caleb Hammer?

  What's her approach and what don't you like?

• 1:06:46Speaker 05

  I just think a lot of times when I bring up like trauma or anything like that and we talk about it, she's very just like, mm-hmm. Like, I could see why you would feel that way, but it's like, okay, now what do we do to get past this?

• 1:06:59Caleb Hammer?

  Yes.

• 1:06:59Speaker 05

  So I'm not getting that, though.

• 1:07:02Caleb Hammer?

  You're not getting the what do we do to get past it?

• 1:07:03Speaker 05

  She's not really giving me that, so I kind of just don't go because.

• 1:07:07Caleb Hammer?

  I can, I'm not in the mental health world, but I'm in this world. I have four to five of these conversations a week, depending on the week. No offense, I mean, when everyone goes, uh, when everyone, almost everyone I talk to now, they get confronted with mistakes, they are making bad things in their life, they immediately try to blame it on trauma. And then everyone either elevates their trauma, and right now we are living in a culture where TikTok is literally trauma Olympics. People will try to one up their traumas. Like, I'm not saying that's. I don't know your traumas and we let's not let's not even talk about it because it doesn't matter. But you know, maybe to the therapist, she's just she. I don't know, maybe she's hearing it in the way that sometimes I hear about it where it's like. You know, maybe a little bit of pushback, a little bit of something was given to you to try to change your mindset and you immediately went to the.

• 1:07:52Caleb Hammer?

  You know, the victim part, which is not necessarily a bad thing because some people do have real traumas. But again, we live in a culture right now where. Everyone is associating everything with the trauma. Someone will stub their toe and they will. Make an excuse about it for the next thirty years of how their life isn't impacted by it.

• 1:08:09Speaker 05

  No, yeah, I definitely would say it's not anything like like that.

• 1:08:12Caleb Hammer?

  See, oh. Mocha.

• 1:08:15Speaker 05

  I would say this is pretty heavy stuff.

• 1:08:17Caleb Hammer?

  Okay, and okay, and you know, maybe that's real, maybe that's real. And that's the part about the TikTok trauma Olympics or. People that are younger than me or people in my age where they're just endlessly. I can't, I can never remember how to pronounce the word, but. Infatizing infantilizing themselves, you know, everyone's like always pretending. That they're always a kid forever and they're always young, they're always immature and they're always having to one up each other's trauma. Is it discounts real people going through actual real things? So if you had a real trauma, unfortunately, all their talk. It discounts.

• 1:08:50Speaker 05

  It negates all of it.

• 1:08:51Caleb Hammer?

  It negates all of it. It's a lot of that in this world right now. Everyone's trying to get their fifteen minutes online. Capital one, one thousand four hundred thirty dollars, Capital One Quicksilver with a fifty two dollar minimum monthly payment.

• 1:09:06Caleb Hammer?

  Again, purchasing.

• 1:09:07Speaker 05

  Yeah.

• 1:09:07Caleb Hammer?

  Purchase more than we spent with interest accruing. It went up from one thousand three hundred ninety five to a thousand four hundred thirty. It's at the credit limit.

• 1:09:16Speaker 05

  That one.

• 1:09:17Caleb Hammer?

  Twenty bucks off. It's twenty bucks off, dude.

• 1:09:19Speaker 05

  That one did, that one, I will say, there was a point when I was getting my. Because we get a bonus quarterly, we used to get bonuses monthly. We we voted to change it to quarterly to get more. So when I was getting my bonuses at one point. I was paying those off at higher amounts and then my dog broke his back and I put it on the card.

• 1:09:42Caleb Hammer?

  Let's get straight to the point. If you're paying more. Each month on your mortgage than you'd like or have a reason for change. It may be time to consider refinancing. Luckily, money.com has put together a list of its best options. That could be a game changer for you. First off, refinancing with the right company could significantly lower your monthly payments. Who doesn't want to keep more money in their pocket each month? Money.com makes it easy by showing you multiple refinancing options in one place. You can quickly compare companies to find an option that best fits your financial goals. Plus, you might want to tap into your home's equity for renovations or a big purchase. Money.com can help you find the best companies so you're comparing options to get the deal that enhances your financial flexibility without the extra hassle. And the best part, it's all straightforward.

• 1:10:25Caleb Hammer?

  No jargon, no endless browsing, just a simple, clear path to find a better mortgage situation. So if you're considering refinancing, check out best options at money.com at the link in the description today. It can seriously be a financial game changer. This is a paid endorsement sponsored by money.com, which is compensated by its marketing partners.

• 1:10:42Speaker 05

  No, because my dog's really old, so it's really expensive. It's like a hundred and seventy six dollars a month for his.

• 1:10:47Caleb Hammer?

  How much was the?

• 1:10:48Speaker 05

  Five hundred and fifty.

• 1:10:50Caleb Hammer?

  But you with your income can afford five hundred and fifty. You should have an emergency fund that would cover that. You shouldn't have credit card debt in the first place. Yeah, this is what happens. That's the consequence of you spending a thousand dollars in a month versus having an emergency fund. It's the next time your dog is sick, you have to pick and choose. Your credit card's already maxed out, so how would you pay another five hundred dollars? Was there that much of a limit on the USA Bank was three hundred? Citibank was like a couple hundred, so maybe you max out every card. But what would you do if it's a thousand dollar thing of that? Like, you're pushing yourself to your limit and maybe you lose a dog. Like, why? Why do that to yourself? And to something that you took on the responsibility of taking care of. It's being an irresponsible owner. You were fucking about Uber.

• 1:11:35Caleb Hammer?

  Yeah, I'm here, it's Uber, Uber, Uber.

• 1:11:37Speaker 05

  That's because I had to with my friend group. We rotate who pays for the Ubers when we go places. And it was my turn to pay for the Ubers.

• 1:11:49Caleb Hammer?

  Then you still can't go out because you're putting it on a card that you're not paying off. That is accruing interest that is at its credit limit. If you are responsible when you go out for doing that, then you can't afford to go out. And if you had, you've had two late payments on this card as well this year so far, and almost $400 in interest accrued. It is almost like a copy and paste of every stupid card and then a bookstore, which can't afford, go to the library. We pay taxes for it. And it's really nice. You're relatively

• 1:12:17Speaker 05

  I have been to that library.

• 1:12:19Caleb Hammer?

  And it's really nice.

• 1:12:21Speaker 05

  It's kind of overwhelming. It's really big.

• 1:12:24Caleb Hammer?

  That's what she said.

• 1:12:27Caleb Hammer?

  Oh my gosh, a building with five stories?

• 1:12:30Speaker 05

  Yeah, but if you're looking for something specific, it's like overwhelming.

• 1:12:34Caleb Hammer?

  They have the kiosk where you type it in, it tells you where it is.

• 1:12:36Speaker 05

  Never seen that.

• 1:12:38Caleb Hammer?

  Ask a librarian. You've seen those.

• 1:12:41Speaker 05

  Yeah, I've seen those.

• 1:12:43Caleb Hammer?

  They're in every library.

• 1:12:44Speaker 05

  Yeah, I know.

• 1:12:45Caleb Hammer?

  Can also access them all online.

• 1:12:46Speaker 05

  Um, I do sometimes use online stuff.

• 1:12:49Caleb Hammer?

  Good, no more bookstore then. Tell you're out of debt, have a fully funded emergency fund, and contributing 20% to retirement, so you have a chance of survival.

• 1:13:00Caleb Hammer?

  Uh, what is this?

• 1:13:01Speaker 05

  Uh, that is from a time that I tried to consolidate my debt.

• 1:13:06Caleb Hammer?

  Consolidating debt without fixing the behavior first, ladies and gentlemen. Part 1,508. Every episode at this

• 1:13:14Speaker 05

  So what happened was I was doing research on like, I was younger when I did that and I

• 1:13:21Caleb Hammer?

  What's a younger? Cause you're 20.

• 1:13:23Speaker 05

  I mean, I was like, I was like 19 or 20.

• 1:13:26Caleb Hammer?

  Okay.

• 1:13:26Speaker 05

  And I was like trying to figure out what my options were. And it was like, oh, just take this loan and consolidate this debt. And I watched some YouTube videos that were like, Yeah, you could do that. It'll help you on interest.

• 1:13:38Caleb Hammer?

  You can do it and it can help you on interest.

• 1:13:40Speaker 05

  And when I first did it, I wasn't spending on the cards again, but then a year later, I started spending on the cards again. And I also, I, I did two of those.

• 1:13:51Caleb Hammer?

  Yes, I see.

• 1:13:53Speaker 05

  I have two debt consolidations.

• 1:13:54Caleb Hammer?

  5,376 across the board.

• 1:13:58Caleb Hammer?

  The thing is.

• 1:14:05Caleb Hammer?

  You didn't fix your behavior.

• 1:14:06Speaker 05

  No.

• 1:14:06Caleb Hammer?

  I mean, all that is correct that you just said that they were teaching that you just have to fix your behavior or else you end up in this position. And if you don't think you can fix out the behavior, you need to close the accounts, not cut up credit cards, close the accounts. If you can't manage it, you can't have access to it. It's just like the [bleep]. If you have that [bleep] on the other side of the room, [bleep].

• 1:14:26Speaker 05

  I mean, I wouldn't do it.

• 1:14:28Caleb Hammer?

  Okay, booze on the other side of the room.

• 1:14:30Speaker 05

  I would drink it.

• 1:14:31Caleb Hammer?

  Exactly. Like, it's better to not have access to it if we can't control ourselves. And that has to do with debt as well. If you cannot control, realize it and figure that out. So again, okay.

• 1:14:45Caleb Hammer?

  I did not walk in today and expect this, my gosh.

• 1:14:48Speaker 05

  One of those is nearing the end.

• 1:14:51Caleb Hammer?

  Yeah, one's at 1,168, but even still, I mean, this still takes a bit. 81, let's see.

• 1:15:01Caleb Hammer?

  Ah, 15.9% interest, me!

• 1:15:03Speaker 05

  Yeah, that was before I knew anything about interest and what it meant.

• 1:15:06Caleb Hammer?

  Oh, the other one's 15.35.

• 1:15:09Speaker 05

  Yeah.

• 1:15:10Caleb Hammer?

  Okay, what's your [bleep]? Ah! The one that's nearing the end, [bleep] you nearing the end, you're past due on it, [bleep] you.

• 1:15:16Speaker 05

  I am, yeah.

• 1:15:17Caleb Hammer?

  Near in the end.

• 1:15:18Speaker 05

  I forgot to pay it.

• 1:15:19Caleb Hammer?

  There's no nearing the end if we don't pay it!

• 1:15:21Speaker 05

  Those are really hard to set up on auto pay.

• 1:15:25Caleb Hammer?

  What?

• 1:15:26Speaker 05

  Those specifically.

• 1:15:27Caleb Hammer?

  Yeah, wow!

• 1:15:29Speaker 05

  It's like some stupid thing where it makes deposits into your account and you have to like find them and enter them and then they'll approve your account for auto pay. And I was trying to set it up and it wouldn't work, so I just gave up.

• 1:15:49Caleb Hammer?

  Minimum monthly payment, 329 for both and 32 cents, both together.

• 1:15:55Speaker 05

  Yeah.

• 1:15:56Caleb Hammer?

  But we're behind on one!

• 1:16:00Caleb Hammer?

  Afterpay, this just keeps going! Oh, we're gapping and gapping and gapping!

• 1:16:05Speaker 05

  It's not funny, I'm sorry. It's not funny.

• 1:16:09Caleb Hammer?

  What?

• 1:16:10Speaker 05

  I didn't realize it was that bad.

• 1:16:13Caleb Hammer?

  What? You're Afterpay?

• 1:16:15Speaker 05

  Yeah.

• 1:16:16Caleb Hammer?

  You don't know what you're doing? You're gapping, you're gapping, you're fuck going, you're ga- Isn't that the little bobbleheads? Gapping, gapping, gapping, gapping!

• 1:16:23Speaker 05

  Uh, yeah, I mean, I didn't realize how many I had.

• 1:16:29Caleb Hammer?

  Oh, and then there's a farm as well!

• 1:16:32Speaker 05

  That's from Amazon.

• 1:16:33Caleb Hammer?

  Oh, stop! What are you f- getting? Pull up your Amazon for me. Pull up your Amazon for me. I've seen quite a few Amazons. Pull it up, pull it up. Let's see, come on.

• 1:16:41Speaker 05

  Ah.

• 1:16:42Caleb Hammer?

  Pull it up! Pull it up? Yeah, let me see.

• 1:16:49Caleb Hammer?

  Pull it up! Little sneaky, little peeky onto the Amazon.

• 1:16:55Speaker 06

  Bonjour, compadre. It's the Priceline Negotiator! How do I negotiate so many great travel deals? My greatest gadget: the Priceline app. It's got hotel deals, flight deals, rental car deals, all of those deals in a bundle. Deals, game day deals, concert trip deals. No one deals more deals than Priceline. Hold your horses, there's more. The app lets you filter hotels by neighborhood, vibe, star level, and amenities like pools and spas and beachfronts. Wait, I'm not done. Stop cutting me off.

• 1:17:25Speaker 05

  I think you're gonna laugh at the second purchase. Cause it is a finance book.

• 1:17:31Caleb Hammer?

  Is it really? Well, at least you're taking the steps, you're just not willing to deal with the confrontation and realizing that you are sometimes the financial diet. Okay, I've heard of that.

• 1:17:42Speaker 05

  It's actually kinda helpful.

• 1:17:44Caleb Hammer?

  Great, but you need to confront your actual issues. Cause you're not doing that. You got a little broom thing, a little...

• 1:17:51Speaker 05

  It's to clean the floors. One of my dogs has a medical condition and so he can't-

• 1:17:56Caleb Hammer?

  How old's that dog?

• 1:17:58Speaker 05

  He is two and a half.

• 1:17:59Caleb Hammer?

  Get insurance on him?

• 1:18:01Speaker 05

  Uh, I haven't yet.

• 1:18:02Caleb Hammer?

  Get insurance on him.

• 1:18:03Speaker 05

  But I- his is cheap. I've quoted it.

• 1:18:06Caleb Hammer?

  Get insurance on him.

• 1:18:07Speaker 05

  His is like thirty bucks.

• 1:18:08Caleb Hammer?

  Get insurance on him. Shirts for days and yoga stuff and booty shorts.

• 1:18:15Speaker 05

  I buy a lot of clothes.

• 1:18:16Caleb Hammer?

  Lots of booty shorts.

• 1:18:19Caleb Hammer?

  She's out there.

• 1:18:23Caleb Hammer?

  Quit like a woman.

• 1:18:25Speaker 05

  It's about quitting drinking.

• 1:18:25Caleb Hammer?

  I don't think you should. Oh, okay. I think you should.

• 1:18:28Speaker 05

  That's about not drinking.

• 1:18:29Caleb Hammer?

  Dear alcohol and breaking up, okay. Well, see, some of this is actually showing, got a finance book and we want to quit drinking. This is good. Why don't you go to group sessions or anything?

• 1:18:38Speaker 05

  So, funny story, uh, I actually used to go to in this complex.

• 1:18:43Caleb Hammer?

  That is funny.

• 1:18:44Speaker 05

  Um, but then my-

• 1:18:45Caleb Hammer?

  Oh, in this complex?

• 1:18:46Speaker 05

  Yes, in this sweet building. Um, but then the lady that I was meeting with had a stroke.

• 1:18:52Caleb Hammer?

  That's not good.

• 1:18:52Speaker 05

  Um, so then they discontinued my sessions, um, and I refused to go to AA at all.

• 1:18:57Caleb Hammer?

  Why?

• 1:18:58Speaker 05

  Um, I went to AA when I was younger and it, they're a cult. It was the worst experience of my life.

• 1:19:02Caleb Hammer?

  Okay, try to go to a different one. Go with someone?

• 1:19:04Speaker 05

  No, it was no. I'm not open to that.

• 1:19:07Caleb Hammer?

  Okay, you're not open to it?

• 1:19:09Speaker 05

  No, it was literally the worst experience of my life.

• 1:19:11Caleb Hammer?

  Um, okay, the only thing is, is just you haven't been able to quit drinking. What you're doing isn't working?

• 1:19:18Speaker 05

  Yeah, I don't think AA is the solution.

• 1:19:20Caleb Hammer?

  Okay, but what you're doing is not working.

• 1:19:22Speaker 05

  No, but that's not gonna work.

• 1:19:24Caleb Hammer?

  Okay, but we know for a fact, factually, 100% fact, that's an assumption, okay, based on experience.

• 1:19:31Speaker 05

  No, it's a fact because I was in AA for two years.

• 1:19:34Caleb Hammer?

  When you were young.

• 1:19:35Speaker 05

  And I pretty much got pushed out by a big group of people.

• 1:19:39Caleb Hammer?

  Then you might need to go to a different one. Maybe that person, that, the group that was running it just wasn't good at it. That's lotion. Calm down. Moisturizing everything.

• 1:19:49Speaker 05

  I mean, yeah, you don't want dry skin. It's cold.

• 1:19:52Caleb Hammer?

  No, it is cold, but, okay, that wasn't the worst of all purchases. Again, uh, all I'm saying, this is all I'm saying.

• 1:20:00Caleb Hammer?

  There, more than anything, we know for 100% fact, what you are doing now is not working.

• 1:20:06Speaker 05

  No, not at all.

• 1:20:09Caleb Hammer?

  Okay.

• 1:20:10Speaker 05

  Uh, yeah, so those are all just me recklessly buying clothes.

• 1:20:16Caleb Hammer?

  Yeah, it's $193 a month.

• 1:20:18Speaker 05

  Which really I could pay off in one payment. I just have to-

• 1:20:22Caleb Hammer?

  Yes, and it's, so it's basically about, okay, I'm gonna say, about 540 bucks.

• 1:20:31Caleb Hammer?

  And a firm, one seventy-three, why not just pay that off, forty-three dollars a month?

• 1:20:35Speaker 05

  I don't know why I didn't, just, I was, I was stoned when I did that.

• 1:20:38Caleb Hammer?

  You need to stop all of it. You go to every substance.

• 1:20:42Speaker 05

  Yeah, I've tried a lot of stuff.

• 1:20:44Caleb Hammer?

  That is your escape.

• 1:20:46Speaker 05

  I like to say that's how I relax.

• 1:20:50Caleb Hammer?

  But now you know no other way to relax, cuz now you're on edge if you're not doing that.

• 1:20:54Speaker 05

  I mean, that's just how I grew up.

• 1:20:55Caleb Hammer?

  And that obviously sucks. And your dad...

• 1:20:58Speaker 05

  Not my dad, I was raised by my aunt and uncle.

• 1:21:00Caleb Hammer?

  Okay, and that obviously sucks, but if that is how I relax, that means you can't relax without it. And when I'm looking at you, I can tell. One seventy-three, it's the balance, forty-three dollars. You're sober right now?

• 1:21:14Speaker 05

  One hundred percent.

• 1:21:15Caleb Hammer?

  Hundred percent?

• 1:21:15Speaker 05

  Yes. I have not used a single substance today.

• 1:21:18Caleb Hammer?

  Good. I wouldn't want you on if you're not sober.

• 1:21:21Speaker 05

  Um, that's a medical bill.

• 1:21:24Caleb Hammer?

  Yeah, a thousand six hundred twenty-eight?

• 1:21:26Speaker 05

  Yeah, um, I...

• 1:21:29Caleb Hammer?

  What happened?

• 1:21:30Speaker 05

  Uh, pre-cancer. That's what that's...

• 1:21:32Caleb Hammer?

  Pre-cancer? What's pre-cancer?

• 1:21:34Speaker 05

  Pre-cancerous cells.

• 1:21:36Caleb Hammer?

  So what do you do with that?

• 1:21:37Speaker 05

  That's a biopsy from the...

• 1:21:40Caleb Hammer?

  And now what?

• 1:21:41Speaker 05

  I'm supposed to have surgery.

• 1:21:43Caleb Hammer?

  Where?

• 1:21:44Speaker 05

  Um, I don't think that matters.

• 1:21:46Caleb Hammer?

  I guess not, but it's just a conversation. That's fine.

• 1:21:50Speaker 05

  It's personal.

• 1:21:51Caleb Hammer?

  Yeah, this whole thing is. But it's okay. One thousand six hundred twenty-eight. Uh, have you called them and got on a monthly payment?

• 1:21:57Speaker 05

  No. Because I want to call the insurance first, because they're denying the whole thing.

• 1:22:03Caleb Hammer?

  Call the insurance first.

• 1:22:04Speaker 05

  And I don't think that's accurate.

• 1:22:06Caleb Hammer?

  Call the insurance first, try to work with them, and then from there, potentially negotiate with hospital, and then from there,

• 1:22:12Speaker 05

  Yeah.

• 1:22:13Caleb Hammer?

  From there, then get on a monthly payment.

• 1:22:15Speaker 05

  That's kinda why I haven't started that one, cuz I need to...

• 1:22:17Caleb Hammer?

  Yeah, we'll start it now.

• 1:22:19Speaker 05

  Yeah.

• 1:22:19Caleb Hammer?

  Not the payment, but get in contact with them now.

• 1:22:22Speaker 05

  Okay.

• 1:22:22Caleb Hammer?

  Okay, a hundred twenty-one dollars in this checking. Is that all the debt?

• 1:22:25Speaker 05

  That's all the debt.

• 1:22:27Caleb Hammer?

  Okay.

• 1:22:27Speaker 05

  Nothing else. Everything else is paid.

• 1:22:32Caleb Hammer?

  Barton Hills.

• 1:22:34Caleb Hammer?

  It's like a mall, right?

• 1:22:36Speaker 05

  No, that is a food, like a little, uh, convenience store thing.

• 1:22:42Caleb Hammer?

  Great, stopping in and getting probably booze or vapes or bullshit.

• 1:22:46Speaker 05

  I think getting booze and vapes.

• 1:22:48Caleb Hammer?

  Sure you were. Ah, going in and getting some BS, Afterpay and Thunder Chef, Thunder Chef.

• 1:22:55Speaker 05

  Thunder Chef is La Vodka.

• 1:22:57Caleb Hammer?

  Twin Liquors.

• 1:22:58Speaker 05

  Yeah.

• 1:22:59Caleb Hammer?

  And Copperhead and going in and getting some BS and Taco Cabana, Thunder Chef, Headway.

• 1:23:06Speaker 05

  Headway's therapy.

• 1:23:07Caleb Hammer?

  Radio, okay, good. Radio Coffee, Radio Coffee, going in Target getting some BS, Sheba Hut, McDonald's. There it is, there was your payment that was rejected.

• 1:23:17Speaker 05

  Yeah.

• 1:23:18Caleb Hammer?

  So, you got a rejected.

• 1:23:21Speaker 05

  Yeah.

• 1:23:22Caleb Hammer?

  Did you get hit with any overdrafts or anything? Okay, good.

• 1:23:26Speaker 05

  No, I have it set up to where it can't overdraft at all.

• 1:23:29Caleb Hammer?

  So now you're just getting fees on the other things that you're not paying on time. Okay, Venmo out sixty bucks, liquor thirteen fifty-two, going in getting some BS, some BS, Netflix. Getting some BS. Habit Restore, what is that?

• 1:23:44Speaker 05

  It's a thrift store.

• 1:23:47Caleb Hammer?

  Twin Liquors, a DM at a hundred dollars.

• 1:23:51Caleb Hammer?

  Yeah.

• 1:23:51Speaker 05

  Yeah.

• 1:23:52Caleb Hammer?

  Venmo a hundred dollars. Worst Fest, Worst Fest. Cash app out fifty dollars, going in getting some BS, some BS, some BS, Amazon, Target BS, Target BS, Taco Bell, Amazon. Target, Market Work, Market Work. Ah, Afterpay, La, uh, La Vodka. Cash app out a hundred dollars, Venmo out sixty dollars, conveniently looks the same constantly. Zelling out ten dollars, going in getting some BS, Afterpay, McDonald's, Market Work, Market Work. Kindle, again, we have the fucking library.

• 1:24:27Speaker 05

  Yeah, I actually have the-

• 1:24:29Caleb Hammer?

  Thunder Chef.

• 1:24:30Speaker 05

  The Libby app now, so I can use those books instead of using the subscription.

• 1:24:37Caleb Hammer?

  Oh my gosh, what is this?

• 1:24:38Speaker 05

  What?

• 1:24:39Caleb Hammer?

  A hundred dollars in from My Flex, what is that? Are you prepaying? Are you prepaychecking?

• 1:24:46Speaker 05

  Uh, yeah, we have an app called Flex Pay and I'm taking my paycheck early when I need money.

• 1:24:50Caleb Hammer?

  There has to be fees and stuff.

• 1:24:53Speaker 05

  It's, well.

• 1:24:54Caleb Hammer?

  They don't just do it for free out of generosity. Go on!

• 1:24:58Speaker 05

  If you have it, hit your bank account instantly, it's three dollars.

• 1:25:02Caleb Hammer?

  Do you?

• 1:25:03Speaker 05

  Yeah.

• 1:25:03Caleb Hammer?

  Oh, how much, how often?

• 1:25:08Speaker 05

  Weekly.

• 1:25:09Caleb Hammer?

  Are you, why?

• 1:25:11Speaker 05

  This, the Flex Pay is a, the Flex Pay is a recent thing.

• 1:25:16Caleb Hammer?

  I'm so done.

• 1:25:16Speaker 05

  I wasn't.

• 1:25:17Caleb Hammer?

  It's recent, so it's only getting worse.

• 1:25:19Speaker 05

  I haven't used it before.

• 1:25:21Caleb Hammer?

  Great!

• 1:25:22Speaker 05

  Until we started going out a lot more.

• 1:25:24Caleb Hammer?

  Oh, you leave these friends, leave these friends. Has your therapist told you that?

• 1:25:28Speaker 05

  Uh, yeah. She, I mean, she, she thinks that I should like get some hobbies.

• 1:25:33Caleb Hammer?

  There's nothing I can do here. There's nothing I can do here.

• 1:25:36Speaker 05

  She thinks I should get.

• 1:25:37Caleb Hammer?

  There's nothing I can do here. If your therapist has been talking to you about this, if your, if your family and friends and people around you and coworkers have been talking to you about this.

• 1:25:46Speaker 05

  It's hard to change habits.

• 1:25:47Caleb Hammer?

  There is nothing I can do here. I am not different.

• 1:25:51Speaker 05

  It's hard to change habits.

• 1:25:53Caleb Hammer?

  Great, but again, there's nothing I can do here.

• 1:25:57Speaker 05

  I mean.

• 1:25:58Caleb Hammer?

  I appreciate you coming on.

• 1:26:00Speaker 05

  Perspective for me. I guess I just don't realize how bad my friend group is or anything, like.

• 1:26:07Caleb Hammer?

  Only everyone around you has ever told you. Your dad's not helping you by enabling, he know, he knows you went to rehab and he knows you spent a thousand hours a month on, and he enables you. Bad parent.

• 1:26:20Speaker 05

  I don't think he knows what I'm buying, per se.

• 1:26:23Caleb Hammer?

  Oh, you said he did.

• 1:26:24Speaker 05

  He knows some of it, not everything.

• 1:26:26Caleb Hammer?

  What does he know?

• 1:26:27Speaker 05

  Shrooms and mar.

• 1:26:29Caleb Hammer?

  And he's okay with that? Even though you already have been to rehab?

• 1:26:33Speaker 05

  Yes.

• 1:26:33Caleb Hammer?

  I wouldn't care about recreationally casual, some people doing things, but you, it's dangerous. You, it's dangerous because of your past.

• 1:26:43Speaker 05

  I think that I try not to think about.

• 1:26:46Caleb Hammer?

  No shit.

• 1:26:46Speaker 05

  The past.

• 1:26:48Caleb Hammer?

  That's not help.

• 1:26:49Speaker 05

  But I realize now that my friends are probably.

• 1:26:53Caleb Hammer?

  I'm not saying don't beat yourself up over the past, but if you recognize a problem in the past, that's okay, because it prevents you from doing dumb shit for your.

• 1:27:01Speaker 05

  No, and I feel like I'm trying to cut.

• 1:27:06Caleb Hammer?

  What do you mean? You spent 2,000 dollars more than you made? Shut the [bleep] you don't know what the word trying is. You are now cash advancing because you're going out more. That is not trying. Shut the [bleep] up. You're never going to get ahead. If you literally say you're trying. You're not. Do not give yourself that kind of credit. You are not. You went in, got some bull [bleep] Har Fargo and Taco Cabana and more cash app 100 bucks. Zelling out 20 bucks. Barton Hills, Randalls. Lavica, La Vaca.

• 1:27:37Speaker 05

  La Vaca?

• 1:27:38Caleb Hammer?

  Yeah, going and getting some BS. Cash app and out 100 bucks and going and getting some BS. And other withdrawal was rejected. Oh, food mart, DoorDash, McDonald's. This, this isn't, this is insane dude. Lavica, going in and getting some BS. How [bleep] long is this? This is so much spending!

• 1:27:58Speaker 05

  I did not realize it was that much.

• 1:28:01Caleb Hammer?

  Dude, I...

• 1:28:04Caleb Hammer?

  I don't think we're halfway through. We're not halfway through it.

• 1:28:07Speaker 05

  I did not realize that much.

• 1:28:10Caleb Hammer?

  Dude.

• 1:28:10Speaker 05

  A lot of it is La Vaca.

• 1:28:12Caleb Hammer?

  What is that?

• 1:28:13Speaker 05

  It's a bar. I...

• 1:28:16Caleb Hammer?

  Market work, market work. Cash app, bar, bar, cash app, Venmo. Going and getting some BS, foe. Cash app, zelling out Taco Bell. Going and getting some BS, McDonald's, cash app, market work, market work. I'm just gonna fly through this cuz this is [bleep] stupid. Mod Pizza, bar, going and getting some BS. Cash app. Car wash, we live in Austin.

• 1:28:41Speaker 05

  I drove to Utah, so my car was covered in bugs.

• 1:28:44Caleb Hammer?

  Okay. Throw a bucket of water on it.

• 1:28:47Speaker 05

  I thought about that, but the apartment complex won't let us like wash or detail our cars.

• 1:28:51Caleb Hammer?

  Throw a bucket of water.

• 1:28:53Speaker 05

  No, they were stuck on there from the sun.

• 1:28:55Caleb Hammer?

  Nurish nutrition cuz we're living a very healthy life.

• 1:28:59Speaker 05

  That's, that's a, that's a, um, dietitian.

• 1:29:02Caleb Hammer?

  Yeah.

• 1:29:02Speaker 05

  I see a dietitian.

• 1:29:04Caleb Hammer?

  I think that's the least of your worries.

• 1:29:05Speaker 05

  Well, I have eating disorders, so...

• 1:29:07Caleb Hammer?

  Oh my fuck!

• 1:29:12Caleb Hammer?

  Okay.

• 1:29:13Speaker 05

  That's why I see her.

• 1:29:15Caleb Hammer?

  Okay, then yes, that is a good purchase. That's a good purchase. I thought you meant just trying to get on.

• 1:29:23Caleb Hammer?

  Which one?

• 1:29:25Speaker 05

  Um, binging and then starving myself at the same time.

• 1:29:29Caleb Hammer?

  Okay. Good, then keep that up. Keep going with the person, not the disorder.

• 1:29:36Speaker 05

  Yeah, I'm gonna keep seeing her.

• 1:29:38Caleb Hammer?

  I binge as well. That's why I have tits. I'm a man.

• 1:29:41Speaker 05

  I have tits too.

• 1:29:42Caleb Hammer?

  Well, you're supposed to. I am a very titty.

• 1:29:50Caleb Hammer?

  Yeah?

• 1:29:53Caleb Hammer?

  That one tickled you? Okay.

• 1:29:56Speaker 05

  Sorry.

• 1:29:57Caleb Hammer?

  Tattoos, bar, Domino's, went in, got some BS. Afterpay, Afterpay, and other which I rejected. ATM which raw, Cash App, Marketwork, Macwork, Spotify. Going in, getting some BS, Taco Bell, Afterpay, Afterpay, Apple Cash Sent. Which raw rejected, Venwing out, the jackalope.

• 1:30:22Speaker 05

  Jackalope is part of Copperhead.

• 1:30:24Caleb Hammer?

  BS. Discovery. And Discovery, you pay for?

• 1:30:31Speaker 05

  It's Discovery Plus because I'm addicted to True Crime and 90 Day Fiance.

• 1:30:36Caleb Hammer?

  A lot of things.

• 1:30:36Speaker 05

  I know.

• 1:30:37Caleb Hammer?

  90 Day Fiance is on HBO. I don't want you to.

• 1:30:39Speaker 05

  No, that one's more expensive. That's why I didn't get it.

• 1:30:42Caleb Hammer?

  It is, it is, it is, it is.

• 1:30:43Speaker 05

  Cause that one is only like.

• 1:30:44Caleb Hammer?

  Listen, I love good trash TV. I love good trash TV.

• 1:30:48Speaker 05

  That's the only reason I have Discovery. Like Netflix, I had, I canceled that because I don't even watch it. And Discovery Plus is the only like streaming subscription that I have.

• 1:30:58Caleb Hammer?

  And then Target.

• 1:31:03Caleb Hammer?

  This is insane.

• 1:31:05Speaker 05

  Yeah, it's, it's bad.

• 1:31:07Caleb Hammer?

  I guess we can see if there's any room here. I mean. You obviously have other things to work on before the finances are even.

• 1:31:14Speaker 05

  No, but I think that the finances are still affecting me.

• 1:31:21Speaker 05

  I think that if I see that I can figure it out, it'll make it me more motivated to actually do it.

• 1:31:29Caleb Hammer?

  I hope so. I would rather you deal with your addiction without the extra stress of other stuff. Deal with that, then we can focus on the budget part.

• 1:31:36Speaker 05

  Yeah, but as long as I'm stressed about the budget, I'm not gonna do better.

• 1:31:40Caleb Hammer?

  Oh, fair, fair play. Fair play. Something you'll have to talk to your therapist about. Possibly an addiction counselor as well. Which I highly recommend. Well, thank you. Thank you, Ms. Lindsay. I look forward to this delicious tea in the post show. I'm excited.

• 1:31:57Caleb Hammer?

  What could it be? I don't know, because you've like, I don't know, I feel like I've, like this entire episode's been tea. This is crazy.

• 1:32:04Speaker 05

  There's a lot of tea.

• 1:32:04Caleb Hammer?

  Got a paper cut. Okay, so three thousand eight hundred, your minimum monthly payments.

• 1:32:14Speaker 05

  I really feel like the minimum payments are not unmanageable. I'm just being stupid.

• 1:32:23Speaker 05

  And prioritizing what I want to do over what I need to do.

• 1:32:29Caleb Hammer?

  Well, not including your, um, your college was paid for?

• 1:32:34Speaker 05

  I didn't go to college.

• 1:32:35Caleb Hammer?

  That's right.

• 1:32:35Speaker 05

  When I was supposed to graduate high school, uh, I dropped out to go to rehab.

• 1:32:40Caleb Hammer?

  Right.

• 1:33:12Caleb Hammer?

  Not including the medical bill because we don't know what that would be yet. Our minimum payment is a thousand ninety-six fifty-eight, meaning you do that plus your minimum monthly drug payments and you only have a thousand eight hundred left of your three thousand eight hundred. See where we're going wrong? What's your rent?

• 1:33:29Speaker 05

  Well, right now I'm paying eleven forty-five, but I'm about to move.

• 1:33:34Caleb Hammer?

  When?

• 1:33:35Speaker 05

  This week.

• 1:33:36Caleb Hammer?

  To?

• 1:33:37Speaker 05

  A cheaper unit for seven hundred.

• 1:33:39Caleb Hammer?

  Very good. Utilities, let's say two fifty?

• 1:33:43Speaker 05

  Not even.

• 1:33:44Caleb Hammer?

  For the new place? Let's just be conservative.

• 1:33:46Speaker 05

  Okay.

• 1:33:46Caleb Hammer?

  Internet? Uh, let's include that all in. Okay. Gas, room, room, drive, drive, how much?

• 1:33:52Speaker 05

  For a month, one fifty.

• 1:33:54Caleb Hammer?

  Car insurance?

• 1:33:55Speaker 05

  That's also one fifty-five.

• 1:33:59Caleb Hammer?

  Necessary food, you can do three hundred. You know, I'm gonna move that to four hundred just in case your dietitian has extra needs.

• 1:34:05Speaker 05

  Thank you.

• 1:34:05Caleb Hammer?

  Um, cause I want you to be healthy there. TP fund, hundred bucks. Dietitian, uh, and therapist, how much a month?

• 1:34:13Speaker 05

  Well, dietitian, therapist, and psychiatrist is a total in a month of one twenty.

• 1:34:20Caleb Hammer?

  Any other medicals?

• 1:34:21Speaker 05

  Yeah, and then I pay, every three months, I pay a hundred dollars for medication.

• 1:34:27Caleb Hammer?

  Okay, so we'll add thirty-three, thirty-four for that, okay.

• 1:34:35Caleb Hammer?

  Okay. No subscriptions, you're gonna get thirty-five dollar pen insurance for the one you can, cause they're young and healthy. Except for that weird little disorder, but I think that's okay.

• 1:34:46Speaker 05

  He has hydrocephalus.

• 1:34:47Caleb Hammer?

  Okay. I'm gonna say fifty bucks a month.

• 1:34:53Caleb Hammer?

  Gym?

• 1:34:54Speaker 05

  That automatically comes out of my paycheck. So like before taxes even come out?

• 1:34:59Caleb Hammer?

  Oh no, what did you sign up for?

• 1:35:01Speaker 05

  It's only twenty-four dollars.

• 1:35:02Caleb Hammer?

  What did you sign up for?

• 1:35:03Speaker 05

  It's just Gold's Gym.

• 1:35:05Caleb Hammer?

  And that comes out before, okay.

• 1:35:07Speaker 05

  Yeah, so our job, we get a discounted, um... Membership, but you can cancel at any time.

• 1:35:13Caleb Hammer?

  Anything else that needs to be in, I know you just don't see it like in your bill, so you're less likely to cancel it. I mean, that's like good business.

• 1:35:20Speaker 05

  My pay stubs though, so I do see it on there.

• 1:35:22Caleb Hammer?

  That's what you check is your pay stub.

• 1:35:24Speaker 05

  Yeah, I do check that to make sure it's right.

• 1:35:27Caleb Hammer?

  Okay, anything else that needs to be in your budget?

• 1:35:28Speaker 05

  No, that should be everything.

• 1:35:30Caleb Hammer?

  Okay, well, three thousand fifty-five fifty-two, three thousand eight hundred is what you have. I'm gonna put you on a tight budget for a second, but we can eventually put in some fun. Cause I know cold turkey on everything is very difficult. I don't necessarily want you to do that. But seven forty-four forty-eight is what you have left on a monthly basis. We could budget in some fun, but let's just do an example. Let's just see where we are today. Let's include the medical and let's just see how long in general that would take to pay off, you know, not including interest.

• 1:36:05Caleb Hammer?

  But, you know, that makes up for being able to roll in the, the minimum monthly payments that you're paying off.

• 1:36:11Speaker 05

  Okay.

• 1:36:17Caleb Hammer?

  Takes thirty months.

• 1:36:21Caleb Hammer?

  It's pretty rough. Two and a half years. So.

• 1:36:27Caleb Hammer?

  Well, no, basically.

• 1:36:29Speaker 05

  Pretty much three.

• 1:36:30Caleb Hammer?

  Yeah, basically.

• 1:36:32Caleb Hammer?

  So here's my philosophy on this. I mean, I go tight budget for a lot of people, especially when they're in like the death scenario. But with all the things you have going on and working with the dietitian and the issues we have and the addiction things. My thing is, and this is my philosophy that goes for everyone, just I don't think a lot of the people need it that I talked to. I would rather this take four years with you having some fun if it means you accomplish it in four years. Than having a less likely percentage chance of accomplishing it in a shorter amount of time by going hard. So if you put in here fun money, let's say a couple hundred bucks a month, and that stretches this out to four years, a hundred fifty bucks a month.

• 1:37:05Speaker 05

  I think I need to really.

• 1:37:10Speaker 05

  Go low on that fun money.

• 1:37:11Caleb Hammer?

  Well, as low as you can, sure, but I would rather, whatever gets you the highest percent chance, there is.

• 1:37:17Speaker 05

  I think it's realistic to spend a hundred dollars.

• 1:37:20Caleb Hammer?

  But that's the thing, the thing is if I give you some fun money and it stretches it from four years to 10 years, like, no.

• 1:37:26Speaker 05

  I don't want that.

• 1:37:27Caleb Hammer?

  But that's when I would say that philosophy doesn't work anymore. But if we're going from three to four years, but we have a hundred percent chance of completing it versus a 70% chance, I'm gonna go for the hundred.

• 1:37:35Speaker 05

  Okay.

• 1:37:36Caleb Hammer?

  So, budget that in, do, talk to the advisor, use the mental health resources, use the classes, figure that out, you're gonna have to figure out some of this, and we'll, we'll hold your hand, ask questions as you have them, come back for follow-ups, send us emails, all this stuff, use the Discord. But, for now, I would rather this to go to four years, give yourself about a hundred fifty bucks for fun, you need to manage this and learn how to build a budget and learn how to stick to it, because that's you, again, I'm not a magic pill, this puts your situation in perspective, this gives you a light idea of what to do, and then there's resources, but I'm not a magic pill. Guys, make sure to join our YouTube membership, join us on the post show, and all the exclusive financial audits, live streams, and extra shows that we do where you can call in and ask your own financial questions. Make sure you guys join that Hammer Elite for your best value.

• 1:38:19Caleb Hammer?

  For the Hammer Financial Score for you today, spending a budget you overspent, zero out of ten, debt, no collections, for what it's worth, but they're all pretty much maxed out, it's almost as bad as it gets. Hmm, yeah, yeah, one out of ten, emergency fund, a penny, zero out of ten, retirement, you're behind, but you're also, for someone that...

• 1:38:42Speaker 05

  I just started contributing two years ago, though, so I feel like...

• 1:38:45Caleb Hammer?

  Well, I know, but you're, we're trying to get you to seventy-five thousand hours by thirty.

• 1:38:49Speaker 05

  Which I originally, well, I originally was contributing ten percent.

• 1:38:54Caleb Hammer?

  Okay.

• 1:38:55Speaker 05

  But it really, it like, kinda fucked me.

• 1:38:59Caleb Hammer?

  Well, you can do that when debt's gone.

• 1:39:01Speaker 05

  Yeah, and what happened is, because I had debt, it made my paycheck too small.

• 1:39:05Caleb Hammer?

  I'm gonna give you a three out of ten there, and then real estate, zero out of ten. So, Hammer Financial Score. That is gonna be a 1 out of 10. Get yours, link in the description below. Alright guys, make sure to check out our resources before you go to the post show. 15% off all of our education bundled together. It's the best that is offered online. I'm confident in that and there's a 30 day money back guarantee if it's not for you. See you in the post show.

• 1:39:29Speaker 05

  He doesn't know you do. No.

• 1:39:30Caleb Hammer?

  Do you actually want to fix this?

• 1:39:32Speaker 05

  I would.

• 1:39:32Caleb Hammer?

  Are you willing to call and tell him?

• 1:39:34Speaker 05

  Right now? Yeah, I'll call my dad.

• 1:39:36Caleb Hammer?

  You'll tell him that you spent a thousand dollars a month on and you're willing to just confess.

• 1:39:40Speaker 05

  I'll tell him right now.

• 1:39:43Speaker 05

  Hello? I spent a thousand dollars and that includes

• 1:39:49Caleb Hammer?

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

• 1:39:53Speaker 00

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• 1:40:03Speaker 00

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