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Transcript 15,270 words · 7 speakers
Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.
0:00 Speaker 00 Now, more than ever, we need someone on our side. But Rob Whitman? Whitman's votes drove up costs, cut Medicaid, and risked 350,000 Virginians' health care to pay for tax breaks for himself and his donors. He's not on our side. Shannon Taylor will fight corruption, cut taxes, and bring down costs. This November, vote for Shannon Taylor. She's for us. Paid for by HMP, the House Majority PAC dot com. Not authorized by any candidate or candidate's committee.
0:30 Speaker 01 Honey, that flu keeping you up? Did you take Nyquil Intense Flu?
0:34 Speaker 02 Nah, I got this. Hmm, okay, I don't got this.
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0:50 Speaker 01 You do got this.
0:52 Speaker 03 Nyquil Intense Flu. The nighttime sniffling, aching, aching fever, best sleep with a flu medicine. Use as directed. Keep out of reach of children.
0:59 Caleb Hammer? To watch episodes of Financial Audit a week earlier, check us out on YouTube.
1:02 Speaker 05 Hi, my name's Priscilla, and I'm 26 years old.
1:05 Speaker 06 My name's Tony. I'm 26 years old. We live in Lutes, Florida.
1:08 Speaker 05 And this is Financial Audit.
1:10 Caleb Hammer? Thanks for coming over from Florida, guys. Let's start with you, Priscilla, because... You're welcome, because you're right.
1:19 Caleb Hammer? Yeah. Because you're right in front of me. Let's start with you. What do you do for a living in Florida?
1:24 Speaker 05 Uh, I work in accounting for a real estate and property management firm.
1:28 Caleb Hammer? Very good. What are you making?
1:30 Speaker 05 Uh, 21 an hour.
1:32 Caleb Hammer? How many hours a week?
1:33 Speaker 05 40.
1:34 Caleb Hammer? What would you say hits your account on a monthly basis?
1:36 Speaker 05 Um, I think it's 1426, 1425.
1:41 Caleb Hammer? Okay.
1:41 Speaker 05 All right, sorry.
1:42 Caleb Hammer? Is that a paycheck?
1:44 Speaker 05 Every two weeks, yeah.
1:45 Caleb Hammer? 1426, okay.
1:47 Speaker 06 You got it, you got it, yeah.
1:49 Caleb Hammer? Okay, encouraging, off the bat.
1:51 Speaker 06 You have to be. You got to roll with it. And anytime you go through it, you just got to go.
1:55 Speaker 05 All right.
1:55 Speaker 06 Yeah.
1:56 Caleb Hammer? Oh, wow. All right, what do you do?
1:58 Speaker 06 It's one of those days. So I am a private investigator. The irony poisoning is... Yeah, indeed. In my job, we work with creditors, foreclosure. I'm going to go with it. With the foreclosures, we do with that. Debtors, collections, replevance. We are the people who find you, trying to find your information, and try to locate you so the court can get processed.
2:15 Caleb Hammer? And what do you make?
2:16 Speaker 06 I make $17 an hour.
2:18 Caleb Hammer? Oh, that was a lot for $17 an hour.
2:21 Speaker 06 I'm proud of my failures.
2:27 Speaker 06 You know, what are you gonna do in life? You gotta try your best and you just do what you can. Yes.
2:31 Caleb Hammer? The fuck you doing? You're just sitting there giggling.
2:33 Speaker 06 You know, it's just when the stress comes over you and you just kind of.
2:37 Caleb Hammer? Are you stressed about being on camera?
2:39 Speaker 06 I am a little bit, but with that being, that's where it is from, but just having to be here.
2:43 Caleb Hammer? Come down, come down with me. We're here. We're filming. We're talking about your finances. Easy. What? Okay. Well, so how much hits your account on a monthly basis? How many hours a week do you work?
2:55 Speaker 06 Forty hours a week usually hits around, um, there's two paychecks in a month, right? Three?
3:00 Speaker 05 Yes.
3:00 Speaker 06 Okay, two.
3:01 Caleb Hammer? Depends on the.
3:02 Speaker 06 So twenty-two hundred, twenty-two hundred a month.
3:04 Caleb Hammer? Cool. So how do we, is this a dual, I'm assuming we're on a dual income household. Are you guys married?
3:11 Speaker 06 We are getting married soon.
3:12 Caleb Hammer? Getting married? This is a pre-marriage conversation?
3:15 Speaker 05 Yeah.
3:15 Caleb Hammer? Okay. Are you running away from this as fast as I am about to?
3:19 Speaker 05 Uh, thinking about it.
3:21 Speaker 06 No, you've been stuck with me ever since. First day of freshman, no, we're not gonna go past this. I'm sorry.
3:25 Caleb Hammer? Freshman?
3:26 Speaker 06 First day of freshman year, I saw her look in her eyes. I'm like, this is the one.
3:29 Caleb Hammer? Yeah, but how old were you?
3:31 Speaker 06 I was the same age. I was freshman too. Like, I'm twenty-six, she's twenty-six. And so I saw her, I was like, I fell in love at first sight. Chased you down like a rabid dog until senior year, until you finally gave me a chance, like, fine, all right, I'll put up with you. You've been stuck with me ever since.
3:44 Speaker 05 I finally said yes, and then here's, here's where it got me.
3:48 Speaker 06 Yeah, that's where it got you.
3:49 Speaker 05 Yeah.
3:50 Speaker 06 We're here.
3:52 Speaker 06 Yeah.
3:52 Caleb Hammer? Is this what he's normally like?
3:57 Speaker 05 Yeah.
3:57 Speaker 06 I'm actually worse and I'm sorry. I really am.
3:59 Caleb Hammer? I don't know what that means, but.
4:02 Speaker 05 Yeah.
4:02 Speaker 06 I'm frantic. I'm kind of crazy. I'm out there and I kind of just go with whatever I'm feeling. The more nervous I am, sometimes I just go and just.
4:10 Speaker 05 His sentences are running because he's nervous, but he is like this.
4:13 Speaker 06 Yeah, I'm not running.
4:14 Caleb Hammer? Do you like it?
4:16 Speaker 05 I mean, yeah, I want to marry him.
4:18 Speaker 06 Yes.
4:19 Caleb Hammer? You do?
4:19 Speaker 05 Yeah.
4:21 Speaker 06 Good answer, good answer.
4:23 Caleb Hammer? You said twenty-two hundred on a monthly basis. Okay. Oh.
4:29 Caleb Hammer? Five thousand dollars on a monthly basis probably hits on households.
4:35 Speaker 06 Okay.
4:35 Caleb Hammer? How are we living? How are we in Lutz, right? Lutz?
4:39 Speaker 06 Struggling. It's an expensive place.
4:41 Caleb Hammer? Lutz is?
4:42 Speaker 06 Oh, yeah.
4:43 Caleb Hammer? I've never heard of Lutz. Okay.
4:45 Speaker 05 It's a smaller area, just right by Tampa.
4:47 Caleb Hammer? So how are we doing? What's life looking like today?
4:50 Speaker 06 Uh, life is looking like today, uh, trying not to live paycheck to paycheck. Stop using the damn credit and even know.
4:57 Caleb Hammer? So are you trying then?
4:58 Speaker 06 We are trying. We are, um, I mean, uh, trying. We do our job. We go out. We pay the bills and everything, but also we try to save when we can, but we suck at that.
5:09 Speaker 05 Yeah.
5:10 Caleb Hammer? Why? Why do we suck at that?
5:11 Speaker 06 It's the temptations of impulse buying. Like, oh, I want this. Well, I'm not really happy, so let's get this.
5:17 Speaker 05 Normally, like, he's in the mood to buy something and then I'm not, and then I'm in the mood to buy something.
5:23 Caleb Hammer? And I'm not.
5:23 Speaker 05 When he's not, but then we go along with it anyway.
5:25 Speaker 06 Yeah, and we just end.
5:26 Caleb Hammer? Like, no matter what, like, I can see you be not being in the mood for something, and then he gets it because he just overpowers all the oxygen in the room. There's nothing you can do.
5:37 Speaker 05 No, I actually know you, but.
5:39 Speaker 06 Oh, absolutely.
5:40 Caleb Hammer? Yeah, but does he listen or does he sit on you? Like, what?
5:42 Speaker 05 He listens.
5:43 Speaker 06 I try not to sit on you. I'm sorry when I do.
5:45 Speaker 05 But we, uh, I do go along with that and then it ends up costing us.
5:51 Caleb Hammer? Okay, so we enable each other's bad behavior.
5:53 Speaker 06 We tend to, yes.
5:54 Speaker 05 Yeah.
5:55 Speaker 06 It's not, in hindsight, when you look at that, I mean, I should get therapy. Yeah, is that, that is probably not the best thing to do.
6:02 Caleb Hammer? Do you guys sit down and talk about your money?
6:06 Speaker 05 Sometimes.
6:07 Speaker 06 Recently.
6:08 Caleb Hammer? What is sometimes?
6:09 Speaker 05 I mean.
6:12 Caleb Hammer? What does sometimes look like? What do you mean when you say sometimes?
6:14 Speaker 06 Sometimes, uh, uh, when we're talking about, uh, discussing money and stuff like, wow, uh, we don't really have much money this month. Where the hell is all the money going? Maybe let's not eat out as much. Or maybe try to get cheaper things from now on and try to delegate that. That's usually.
6:29 Speaker 05 I just, I don't even know, like, where your money goes sometimes.
6:33 Caleb Hammer? Wait, why? Why? Why doesn't she know where your money goes?
6:36 Speaker 06 Well, because a lot of times it's just, um.
6:38 Caleb Hammer? You know where her money goes?
6:39 Speaker 06 I, I just figure it just goes to.
6:41 Caleb Hammer? So you don't know where her money?
6:42 Speaker 06 I don't know where the money goes.
6:43 Speaker 05 Yeah, we don't really talk about it.
6:44 Caleb Hammer? Her?
6:44 Speaker 06 No, I don't.
6:45 Caleb Hammer? Why do we not know? How, how informed are we on each other's financial position?
6:50 Speaker 06 Uh, scale one to 10? I don't know.
6:52 Speaker 05 I just found out today he had a savings account that is costing him.
6:57 Speaker 06 With fees.
6:59 Speaker 05 Yeah.
7:00 Speaker 06 Today?
7:00 Caleb Hammer? How are you guys getting into marriage? How long have we been engaged?
7:03 Speaker 05 Two years?
7:05 Caleb Hammer? You've been engaged two years and we don't know anything about each other? So we know like the microcosms about each other's financial position?
7:11 Speaker 06 Yes. We know what we make kind of at times to time.
7:16 Caleb Hammer? Is this a we're afraid to get old till it's settled down situation? What's happening?
7:20 Speaker 06 You know, when you, when you put it like that, a lot of the times like we want more experiences. We want to have that fun. We don't really want to try to focus on the small things. Let's try to figure out like the happiness ahead, the happiness of now, instead of like hunkering down. And that's pretty much just how it is really. We go through, we see it and it's like, oh, we'll handle it another day, another day, we'll do it. Another day after that.
7:42 Speaker 05 Yeah, but like, I don't.
7:45 Speaker 05 I see like all these random things on your account though, and I just, I feel like.
7:50 Caleb Hammer? And so what does it usually? What does it usually look like? And then what do you ask? What does he say?
7:56 Speaker 05 Well, like.
7:56 Caleb Hammer? Trying to get a baseline here because this is a fucking what the fuck?
8:00 Speaker 05 Finding out that like you go to Dunkin before work and like things like that. So I just feel like I can't.
8:05 Caleb Hammer? Are we worried about a single one or is this, are you recognizing ongoing patterns? What are we seeing?
8:10 Speaker 05 I don't, it fluctuates. It becomes a pattern for a while and then it stops and then.
8:14 Speaker 06 Stops, does that sometimes the lottery craving hits and then you gotta.
8:18 Speaker 05 Yeah, he gets lottery tickets a lot, but so I just don't.
8:22 Caleb Hammer? What do you know about his financial position?
8:25 Speaker 05 Um, he doesn't understand finances very much and sometimes struggles to.
8:35 Speaker 05 Hold back.
8:37 Speaker 06 Yeah.
8:37 Caleb Hammer? What? Spending, okay, what do you know about her financial position?
8:40 Speaker 06 What I know about her financial position is that she likes to put things towards savings. She's like getting a plan, things going on, budging through XL, seeing where the money's going in and out and things and seeing what she can afford, or sometimes you might need to help me with rent on things.
8:53 Speaker 05 And yet I'm still here, though.
8:55 Speaker 06 Yes, you're still here, but I think that's what I know. That's what I think.
8:58 Speaker 05 That's what I try to do, but.
9:01 Caleb Hammer? So what are we doing here? What do you want from me? Because so far you've talked at each other.
9:06 Speaker 06 Okay.
9:06 Caleb Hammer? What are we doing?
9:08 Speaker 05 Mm hmm.
9:08 Caleb Hammer? What are we talking about today?
9:09 Speaker 06 So basically what we're talking about is is that we noticed that our finances were not, they were only getting worse, you know, collections were calling me, things were running behind, and it was a terrible situation that I wanted to get out of. And we're gonna be married soon. I don't want that to be in the future. I don't want that from our family, our kids.
9:26 Speaker 05 Like, I want to make sure that we have a plan before we start like a joint.
9:30 Caleb Hammer? What have we done? What have we done to change that, then? If this is something we want to do, what have we done?
9:35 Speaker 05 He started using a spreadsheet that I.
9:38 Caleb Hammer? A spreadsheet?
9:39 Speaker 05 Yeah.
9:40 Caleb Hammer? Okay.
9:41 Speaker 06 For a month?
9:42 Caleb Hammer? Exactly, that's how it usually goes. Exactly, so, okay. Okay.
9:48 Caleb Hammer? Me?
9:49 Speaker 06 Yeah. It's one of those moments, one of those days. Got to get into the finances, got to do it.
9:59 Caleb Hammer? You help me here?
10:00 Speaker 05 I, I got nothing. I mean.
10:02 Caleb Hammer? How do you tame him? How do you?
10:07 Caleb Hammer? Do you?
10:08 Speaker 05 No. I mean.
10:10 Caleb Hammer? You just let this happen?
10:12 Speaker 05 Yeah, just kind of run with it.
10:13 Speaker 06 A lot of times I would just go and go and go. I guess maybe I can also go into finances, too.
10:17 Speaker 05 Let them run out and then go.
10:20 Caleb Hammer? We're trying to fix things before marriage. When are you getting married?
10:24 Speaker 06 July 25th.
10:25 Caleb Hammer? July 25th, okay. Is the, is it a small wedding, big wedding, mid-sized wedding? Have we paid for it? What is the situation? Because obviously that is going to be an expense coming up.
10:34 Speaker 05 It's a mid-sized wedding, I think.
10:36 Caleb Hammer? Cost?
10:38 Speaker 05 Twelve thousand?
10:40 Caleb Hammer? What have we paid so far?
10:43 Speaker 05 Well, I put it on a credit card.
10:45 Caleb Hammer? So it's on a credit card? And is it the whole thing?
10:48 Speaker 06 Yeah, it's cover.
10:50 Speaker 05 Yeah.
10:50 Caleb Hammer? So the wedding's done? Well, the wedding didn't happen.
10:54 Speaker 05 Well, there's a
10:54 Caleb Hammer? Paid for, done. Paid for, done.
10:56 Speaker 05 There's a couple more expenses that need to be paid for.
10:58 Caleb Hammer? Yeah.
10:59 Speaker 05 Um, so like the cake and then some other people, uh, and then then we're gonna add some guests and that will cost more money.
11:09 Caleb Hammer? How many people are going to this thing?
11:10 Speaker 05 Seventy and it's all friends and
11:12 Caleb Hammer? Seventy, that's a decent amount.
11:15 Speaker 06 Mostly just family members.
11:17 Speaker 05 Yeah.
11:17 Caleb Hammer? Yeah. And of course, how much do we have in debt for this household? We're going into a marriage. How, what's the household debt number? What is the household debt number?
11:27 Speaker 06 Can you put a number on it?
11:28 Caleb Hammer? Yeah, this is, well, we certainly can. This is a scary situation that you guys don't even know what the household debt's gonna look like. And we're headed into a marriage. We're already spending $25,000 or whatever on this wedding. Wonderful on a credit card. So what is this household debt currently?
11:44 Speaker 05 Thirty-five thousand?
11:46 Speaker 06 Thirty-five thousand or not forty-five thousand. Has to be.
11:49 Speaker 05 If we're including school debt, yeah.
11:51 Speaker 06 Exactly, yeah.
11:52 Caleb Hammer? Forty-five thousand at the, at the, at the height?
11:54 Speaker 06 Something, yeah.
11:55 Caleb Hammer? Thirty-five, thirty-five to forty-five.
11:57 Speaker 05 Yeah.
11:57 Speaker 06 Okay, sounds accurate.
11:58 Caleb Hammer? Yeah. Eighty-seven thousand, seven hundred forty-one.
12:00 Speaker 06 You're fucking kidding.
12:01 Caleb Hammer? Nope.
12:02 Speaker 05 Eighty-seven.
12:05 Caleb Hammer? So you guys better not be going on.
12:07 Speaker 06 But it's like that, we still wanna go to Japan after the wedding. We still wanna do that. How'd that honeymoon?
12:10 Caleb Hammer? Well, after, it's a wedding to Japan? What the fuck is that gonna cost?
12:14 Speaker 05 Two weeks.
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13:46 Caleb Hammer? you earn an 8.1% APY for three months. Whether you want to build out your investment portfolio, level up your market analysis, or you just love getting cash rewards, this is the platform you need. So hit the link in the description to get started with Moomoo and claim your $150 cash reward after making a qualified deposit. Thanks again to Moomoo for sponsoring this video. Let's get back into the audit. Um, okay, so have we got this priced out? Obviously, is there paid time off from your all positions?
14:17 Speaker 06 Well, with my job-
14:18 Caleb Hammer? Are we losing income?
14:20 Speaker 06 With my job, it's I'm trying to save with the PTO. They don't allow for up to two weeks, they can't do it. Only a maximum of 40 hours of doing that. I'm trying to talk with my management team to see if we can try to extend that.
14:31 Caleb Hammer? From 40 hours to two weeks?
14:34 Speaker 06 They said they can only do a limited PTO of 40 hours. You can't go above that.
14:40 Caleb Hammer? That's okay, and you?
14:42 Speaker 05 Uh, yeah, my job will allow it.
14:44 Caleb Hammer? Two weeks, paid time off. Paid time off.
14:47 Speaker 05 Most of it, probably about 10 days.
14:49 Caleb Hammer? So we have a little bit of lost income, more on your side, a little less on your side. And then, what is likely going to be thousands for this trip? Have we priced out the trip? What do we know about the trip? $87,000, double the debt you guys thought you had. Double the household debt, yeah, we're going to Japan, spending $25,000 on our credit card. And then we're still expanding the wedding even more. So how much is Japan?
15:08 Speaker 05 We're thinking.
15:09 Caleb Hammer? How do we not know? We're headed there in a couple of months.
15:12 Speaker 06 It's a country, you know where it is. We know we're gonna have fun there.
15:14 Caleb Hammer? Have you not done the travel fucking plan with someone?
15:18 Speaker 05 Five to seven thousand is what I'm imagining.
15:19 Caleb Hammer? Seven thousand?
15:20 Speaker 05 At five to seven thousand.
15:22 Caleb Hammer? Five to seven thousand. So we want to get this closer to six figures to debt? We're trying to just get there closer? Cause you're not cash flowing that. You're not cash flowing it. Going to Japan?
15:32 Speaker 06 Yeah, absolutely.
15:32 Caleb Hammer? Sure on that.
15:34 Speaker 06 Well, we're trying not to.
15:35 Caleb Hammer? How? You can't even cash flow a single cent of your wedding? How are you gonna cash flow Japan?
15:41 Speaker 06 I guess try to save for as much as we can.
15:44 Speaker 05 Yeah.
15:44 Speaker 06 Try really. Doing that, getting our credit cards, getting things manageable. Build a small savings for it. That's pretty.
15:51 Caleb Hammer? In a few fucking months, your debt is double what you thought it was. What are you talking about? Do we want to go into this marriage with a bunch of?
16:02 Caleb Hammer? Is there an anchor in this relationship as in holding back the boat from going forward? Is it equal distribution of fury? What is going on here? Self diagnosed. What is the problem?
16:15 Speaker 06 I guess the problem was.
16:16 Caleb Hammer? Others are being enabled and obviously.
16:18 Speaker 06 It's really just, we're too focused on just the present. We want these things. We want this, this nice clothing, going to the video game, the food.
16:27 Caleb Hammer? You could.
16:27 Speaker 05 I mean, I feel like I've been a little bit of the anchor with financials, though.
16:31 Caleb Hammer? You're holding them back?
16:33 Speaker 05 Or no, like keeping things afloat.
16:38 Caleb Hammer? Okay, so how are you gonna attach yourself to this in a marriage situation?
16:42 Speaker 05 I mean, we've, we've been trying.
16:45 Caleb Hammer? We've been trying. No, no, I know you've been trying. How are you willing to do that?
16:51 Speaker 05 Cutting back expenses?
16:53 Caleb Hammer? I'm not asking, I'm not asking what you're gonna do. How are you okay with it?
17:00 Caleb Hammer? You try to do better. And you have this person that's gonna dramatically hold you back. And seems like everything's a fucking joke to him as far as I can pick up so far. So how are you okay with that?
17:13 Speaker 05 I mean. I don't know, just living life and.
17:18 Caleb Hammer? Oh my.
17:20 Caleb Hammer? Yeah, you guys are gonna be in debt through your 40s and 50s.
17:27 Speaker 06 It's really, that's not what we.
17:30 Caleb Hammer? Is that what you want? But listen to your language.
17:32 Speaker 06 Yeah, I listened to it and it's like I can justify it in the moment. But if I'm just gonna destroy the future, I get really, get really, get out of mindset of getting all that. Not planning this shit.
17:44 Caleb Hammer? So 5,000 came in. Right?
17:47 Speaker 06 Yeah.
17:48 Caleb Hammer? Sorry, income. What was spent last month?
17:51 Speaker 06 Last month.
17:52 Caleb Hammer? Household. You should, because we're gonna be a combined household. So what do we think? 5,000, 5,000 came in for the household. So that's your normal month. Well, went out for the household. Let's have your guess first. Let's have your guess first.
18:03 Speaker 06 I would probably guess.
18:06 Speaker 06 I'm gonna guess 7,000.
18:08 Caleb Hammer? Okay, so we're okay with spending 2,000 more than we make. Great.
18:13 Speaker 05 I was gonna say 6,500.
18:15 Caleb Hammer? Why are we okay with that?
18:17 Speaker 06 Okay.
18:17 Caleb Hammer? How do you save for Japan spending 1,500 or 1,000 more than we make? Where's this cash flow, Japan? Huh?
18:25 Speaker 05 It was an off month.
18:27 Caleb Hammer? Yeah, every month will be an off month in different ways. Come on.
18:31 Speaker 06 We can just open up a new credit card. We can go to Japan.
18:33 Caleb Hammer? No, no, no, you said, yes, I mean, yes, you can. But if we're trying to get over six figures in debt, you said you were gonna cash flow. That's what you just told me five minutes ago.
18:41 Speaker 06 Yes, I did. Absolutely.
18:43 Caleb Hammer? That's not cash flowing it, you dumb tit.
18:45 Speaker 05 We're not opening another card.
18:47 Speaker 06 It's planning.
18:49 Speaker 05 You better not.
18:50 Speaker 06 No, I'm not. I'm not going to. I'm trying to think of ideas. Ideas to get this path going.
18:54 Caleb Hammer? By the way, $8,130 was spent last month.
18:57 Speaker 06 Just in last month. Of all the money going out.
19:00 Caleb Hammer? Oh my god. All the spending. What do you think your combined household financial score would be? I'm gonna go three, two, one, go on go. I want you guys to give me your answer at the same time. 10 being the best finances, zero being the worst finances for the combined household. Three, two, one.
19:18 Speaker 05 1.5.
19:19 Caleb Hammer? Okay. Well, at least you guys seem to be reasonable there. Guys, if you want your Hammer Financial Score, check it out. Uh, go to CalebHammer.com or click the link below and take the, uh, take the test and we'll show you where you are in the world of finances. And if you want to come on the show and you're a little quieter, go to CalebHammer.com slash apply and I would actually be happy to have you in the studio. Chase Inc. I mean, if we know we have like 85,000 hours to go throughout, not really surprised that this is so dense. Okay. Chase Inc., what's going on? Are we both on this? Is this someone else's? Like, is this an individual card?
20:00 Speaker 06 It's gonna be Priscilla.
20:01 Caleb Hammer? Priscilla, okay. So what's going on with Chase Inc., Priscilla?
20:04 Speaker 05 Wait, what's the balance?
20:07 Caleb Hammer? I'll tell you, the balance is $5,910.12 with a minimum monthly payment of 147. What is going on?
20:15 Speaker 06 I think that was the business card.
20:17 Speaker 05 Yeah, was that the business?
20:18 Caleb Hammer? What business do you have?
20:19 Speaker 06 You, dog.
20:20 Speaker 05 We used to have a business.
20:21 Speaker 06 Absolutely.
20:22 Caleb Hammer? You both?
20:24 Speaker 05 Yeah.
20:24 Speaker 06 Yeah.
20:25 Caleb Hammer? We tried this together?
20:27 Speaker 06 I didn't have the good credit. She had the good credit, so we took a venture.
20:31 Caleb Hammer? So we opened a credit card for it?
20:32 Speaker 06 Absolutely, gotta start off with a business.
20:33 Caleb Hammer? Sure, what about a small business loan? What about a personal loan? What about something that's not 30% interest? What are you talking about?
20:39 Speaker 06 That would be worse than doing a credit card.
20:40 Caleb Hammer? Yeah, 12% interest loan is worse than...
20:42 Speaker 06 A credit card grows.
20:43 Caleb Hammer? Grows?
20:44 Speaker 06 Yeah, it's like you do, they give you more money to use it.
20:47 Caleb Hammer? I'm not crazy, that's a thing.
20:48 Speaker 05 I didn't know you could do a personal loan.
20:51 Caleb Hammer? Well, I don't know if you would have got approved for one. Uh, do you mean that your, uh, your limit going up?
20:57 Speaker 06 Yes, absolutely.
20:58 Caleb Hammer? But this is more ability for you to get more debt.
21:02 Speaker 06 But it's, it can be managed if the business is going well and everything.
21:06 Caleb Hammer? Yes, it can be, but if you have interest in minimum...
21:09 Speaker 06 Borrow with me one second here, my man. My dog, my brother. So with you going into it, it was a great market with all the research going on. You gotta know what...
21:16 Caleb Hammer? With all the research going on?
21:18 Speaker 06 You think it's a poker fishing in the table? Not gonna happen, no. You have to see what are the conditions, the card? What is the market? Is it seizing? Is it a core deck? What rarity is going out? What's the limited edition? Going to Starlight? All this research is going out, inflowing, transportation... Of all the things, how much this post is gonna cost, stamping, weight, all that. I did all the research of it.
21:35 Speaker 05 No, who did the calculation for posted stamping costs, all that? Okay.
21:40 Speaker 06 Yes.
21:41 Speaker 05 Just wanna make sure.
21:42 Speaker 06 But I researched about the value of the cards and everything.
21:44 Speaker 05 Yeah.
21:44 Speaker 06 Yes.
21:47 Caleb Hammer? You know his face looks like a circle of pubes, right?
21:51 Speaker 06 Right.
21:52 Caleb Hammer? Holy. So obviously this business did not work out. You still have debt on it. You still have debt on it.
21:58 Speaker 05 It worked in the beginning.
21:59 Caleb Hammer? It worked in the beginning, but it didn't. I don't care if it works in the beginning. I care if it works in the like throughout, continuing as in giving us money. But what is the beginning to work the first month? What are we talking about? When did this end? What is the status of it now?
22:14 Speaker 06 Okay.
22:14 Speaker 05 So it's basically, it's like.
22:16 Speaker 06 It's dissolved.
22:17 Speaker 05 Yes.
22:19 Speaker 06 Not the debt, no. The status of it, um, the well in the beginning of it, it was, it was going good. Couple five hundred dollars of profit, a thousand dollars of profit a month of how the system, but we hit one flow of, of a bad batch and got lost a, a big investment on that.
22:33 Speaker 05 It's basically a lottery every time we buy a, a case of them.
22:37 Caleb Hammer? Oh, really? It's fucking like, we're like loot creating this shit.
22:40 Speaker 06 Yeah.
22:40 Speaker 05 Yeah.
22:41 Caleb Hammer? Oh, this is so fucking stupid. And you're hoping to get cards where in, within the batch overall, it's more valued than.
22:47 Speaker 06 Absolutely.
22:48 Caleb Hammer? Oh, that was your business?
22:50 Speaker 06 Yeah, and then we're gonna build a store.
22:51 Caleb Hammer? Lottery cards.
22:54 Speaker 06 So.
22:55 Caleb Hammer? Your business was lottery.
22:56 Speaker 06 I was tired of the day to day job.
22:58 Caleb Hammer? Yeah, no, so why don't you do something that provides value then?
23:00 Speaker 06 It could provide value, open a startup store.
23:03 Caleb Hammer? Sounds like you have a lot of debt on this card still, so it didn't really work. And one month set you guys back and led to the inevitable collapse. If one month led to the collapse, this was not a business that was going to be successful.
23:15 Speaker 06 Doesn't mean it can't be successful in the future.
23:16 Caleb Hammer? So far, uh, no success.
23:19 Speaker 05 We were hoping to grow it and it just.
23:21 Caleb Hammer? Oh, you're hoping.
23:22 Speaker 05 It never worked out.
23:23 Caleb Hammer? We were hoping.
23:24 Speaker 06 You gotta have hope in life. What, what else is there?
23:26 Caleb Hammer? Of course you do, but you just that hope alone. It's with a plan, with a strategy. The hope is to the goals, but the hope isn't the only thing that gets you to goals. You have to have step by step plan and it's always gonna change as it moves, as you go along to get to that goal.
23:43 Speaker 06 I want it to be like your own boss, your own hours, everything you could focus that, manage that.
23:49 Caleb Hammer? Why didn't you start again, a business that provides value then?
23:53 Speaker 06 People like cards.
23:54 Caleb Hammer? People do like cards, but you were just hoping to fucking game the market. You were day trading Pokemon. Yu-Gi-Oh. Don't insult me like that. Yu-Gi-Oh.
24:03 Speaker 06 Oh, whatever.
24:04 Caleb Hammer? I don't know. That's not my thing.
24:06 Speaker 05 I mean, like, I didn't know much about it, but I was willing to invest with them and stuff and give it a try.
24:11 Caleb Hammer? You got f***ing cokes into this?
24:13 Speaker 05 Well, okay, so I-
24:15 Caleb Hammer? We went into debt for this. We didn't even cash flow it. Cause if you cash flowed the cards in a down month, ooh, oopsie, oh, well. You went into f***ing debt? How did we gain 6,000 hours of debt in Yu-Gi-Oh?
24:26 Speaker 05 And-
24:26 Caleb Hammer? In Yu-Gi-Oh?
24:28 Speaker 05 We used our own money, too.
24:30 Caleb Hammer? Guys, this is pretty exciting. Well, zoom in. Let's talk about this for a second. Okay. So I do a little bit negotiating here and there, you know, when we're having sponsorships and stuff like that. And you know, I've been working with Moomoo for a while. And I got a little special negotiation for you guys, because I wanted to get you free money. Because if I get money from them, I want you to get money from them. And then, you know, we're all happy. And the thing is, what I got was exactly what I would want to get if I were putting money in an investing account. Immediate returns on investment. So right now, I got for you guys, and only you guys, literally no other creator has this. If you deposit 2,000 hours into Moomoo, you get an instant $150, and then 8.1% APY on that money. That's like a 16% return.
25:11 Caleb Hammer? It's crazy. It's absolutely awesome. Get the free money now. Link in the description below. Let's do this thing. Let's make some money. So I'm sure, but how do we get 6,000 hours a day in Yu-Gi-Oh?
25:21 Speaker 06 So you gotta look for the rare cards and selling that and doing that.
25:25 Caleb Hammer? Why the debt? How'd we do the debt? Why wasn't it cash flow with the money you guys had? You guys don't not make money. You make 60,000 hours a year combined net.
25:35 Speaker 06 We, honestly, the truth is, we just got tired of the business, tired of doing it. And we're like, let's just abandon it. We, it's, it wasn't worth it anymore.
25:43 Speaker 05 I mean, we tried to cash flow. We put like thousands of dollars into the business, trying to buy-
25:48 Caleb Hammer? Business?
25:49 Speaker 06 Okay, okay.
25:50 Caleb Hammer? Lottery? Can you go f***ing lottery?
25:52 Speaker 05 We were trying.
25:52 Caleb Hammer? Lottery? How? You cannot allow this man to convince you into this kind of shit.
25:58 Speaker 06 Get a fucking brainwash her.
26:00 Caleb Hammer? She just went along with it because she loves you and she wanted to support you.
26:03 Speaker 06 I love her too and it was we had conversation multiple weeks, multiple, whoa, whoa, whoa.
26:07 Speaker 05 I've always wanted to try a business.
26:08 Speaker 06 Let's do this thing.
26:10 Caleb Hammer? No, all I'm saying is you really wanted to do it and you, you know, convinced her and she wanted to support you. And don't go along with that. Call him out his bullshit. I mean, you're, how much have you spent on this and into this business in general?
26:25 Speaker 05 We probably put about like seven grand into it.
26:28 Caleb Hammer? Oh, fucking.
26:32 Caleb Hammer? How long did it last?
26:34 Speaker 06 About a year. A year, right?
26:36 Speaker 05 Less than a year and a half. Yeah.
26:38 Speaker 06 Yeah, something like that.
26:40 Caleb Hammer? If I literally put that money
26:44 Caleb Hammer? into just like an empty mu mu account, the investing app I use, literally just like $2,000, you get an instant $150, which is incredible. And then you get another like 8.1% APY on that money. Imagine $7,000 doing that. It's like a 16% return like instantly, pretty much. Imagine $7,000 just sitting there on that 8.1% APY. Crazy, but instead we put it in your cards and now we have a $5,000 debt. To fucking, $5,000 debt is all we have left of it.
27:18 Speaker 06 I didn't have the heart of the cards. What can I say?
27:19 Caleb Hammer? It's accruing almost $90 in interest on a monthly basis.
27:23 Speaker 06 But it's not going to be there forever.
27:25 Caleb Hammer? Wow, says who? I mean.
27:28 Speaker 06 Me, I just said it. Hello?
27:29 Caleb Hammer? Yeah, well, evidence do we have to suggest that? Because I see only minimum payments, which you're right, it wouldn't be there forever. It'd probably be paid off in like 30 years or something.
27:37 Speaker 06 30 years?
27:39 Caleb Hammer? I don't have the.
27:40 Speaker 06 Not even, not even 10 years it would take with a minimum? 30? No, am I in the wrong?
27:48 Speaker 05 We'll pay more. We'll pay it sooner.
27:50 Speaker 06 Am I in the wrong?
27:53 Caleb Hammer? On what? I don't.
27:54 Speaker 06 So like, okay, let's say we did the minimum payments. Would it take like 10 years, seven years?
27:58 Caleb Hammer? I don't, I don't have the, uh, I don't have the math in front of me.
28:01 Speaker 06 An absurd amount of time is what you're telling me.
28:02 Caleb Hammer? An absurd amount of time, absolutely. Oh, you're embarrassing her. You're embarrassing me. This is insane. How are you not embarrassed?
28:12 Speaker 06 You're talking about it.
28:12 Caleb Hammer? So, oh, this conversation's miserable.
28:15 Speaker 06 If you don't, if you're.
28:15 Caleb Hammer? Are you guys not miserable? I am miserable.
28:18 Speaker 06 No, I'm, I'm having a good time. It's understanding.
28:20 Caleb Hammer? I think you're the only one. The audience probably isn't having a good time either. Everything's a joke to this guy. You know, your marriage might be considered a joke to him, too.
28:30 Speaker 06 I don't think it is. I think it's a journey and experience.
28:33 Caleb Hammer? I think I would actually be concerned. I'm concerned. Discover it.
28:41 Caleb Hammer? I would love to discover how to leave this room right now. Three thousand nine hundred eighty. There sure is, but I have a job to do. It's usually the best job in the world today. Oh, okay. Eighty-six dollar minimum monthly payment. We're purchasing. Why are we? Okay, whose card is this? Are we?
29:02 Speaker 05 Uh.
29:03 Caleb Hammer? Discover it.
29:03 Speaker 05 That one's mine.
29:05 Caleb Hammer? What are you doing? Why are you purchasing? I thought you were the good one. I thought you were holding us above water. I'm purchasing a hundred and ninety-five dollars while sixty-five dollars and ninety-four cents of interest is accruing.
29:16 Speaker 05 I mean, there's.
29:17 Caleb Hammer? The good one of the relationship.
29:18 Speaker 05 There's subscriptions on it. Just auto, no, like.
29:21 Caleb Hammer? Cancel them or move them somewhere else. Listen, you're not the annoying one, but that doesn't mean you're automatically good.
29:28 Speaker 05 I mean, he also has, he's an authorized user, too.
29:32 Speaker 06 I'll only use it during emergencies. I don't just go spinning.
29:34 Caleb Hammer? Why don't we have an emergency fund? How long does this take to pay off?
29:37 Speaker 05 That's why.
29:37 Caleb Hammer? Minimum monthly payments only without purchases and you're incapable of not purchasing, especially allowing this man to be an authorized user. How long does it take to pay off? Please?
29:48 Speaker 06 You gotta guess.
29:49 Caleb Hammer? Please?
29:50 Speaker 05 Uh, thirty-six years.
29:54 Caleb Hammer? For sake, no, sixteen, but that's still insane.
29:58 Speaker 05 Only with the minimum, though, like we.
30:00 Caleb Hammer? Yeah, but you purchase on it. Did you not know that?
30:04 Speaker 06 That's credit card. You make purchases.
30:06 Caleb Hammer? It's a vase. This fucking show.
30:09 Speaker 06 Addiction, dog. What can I say?
30:10 Caleb Hammer? No, I think it's like everyone with bad finances in this world also makes bad lung decisions. Like, this seems to be a trend.
30:17 Speaker 06 It's not, it's not tobacco. It's not cigars.
30:20 Caleb Hammer? You're right. It's probably worse.
30:22 Speaker 06 Said it's weed. No, I said it's not weed. It's nicotine.
30:26 Caleb Hammer? Yeah, but we don't know what the is even in that.
30:30 Caleb Hammer? Renaissance benefits? What, what is this?
30:32 Speaker 05 Oh, that's a vision insurance.
30:35 Caleb Hammer? Vision insurance on a credit card?
30:37 Speaker 05 Yeah.
30:40 Caleb Hammer? I always Pay for it with your fucking money.
30:42 Speaker 05 I always thought it was better to have like at least one purchase on it a month.
30:46 Caleb Hammer? Let's still leave it open, sure, but that I guess, and that's if you're paying it off every month. You're not even paying it off. More fucking vapes, forty five dollars, forty two dollars vapes, twenty one dollars of vapes, to Amazon orders at a seventeen point two four percent interest rate.
31:02 Speaker 06 You gotta restock. If you're empty, you gotta get your supply. So if you see in the bulk, you know, it's not, we're not the ones getting the disposal. We have a mod, we have a vape. You gotta get the juice coils. You're good for a couple of months. It's, it's cheaper than going to the disposable. I promise you. I'm not gonna lie to you.
31:22 Speaker 05 I mean, I recently quit nicotine too.
31:27 Caleb Hammer? Well, is that what he said?
31:31 Caleb Hammer? What was the two?
31:34 Speaker 05 Oh, just
31:34 Caleb Hammer? I honestly, I'm not processing, I'm not processing any words he's saying because I've just tuned him out. So I thought maybe through that entire rambling mess, he said that maybe he stopped.
31:45 Speaker 05 No.
31:46 Caleb Hammer? Okay. Okay.
31:50 Speaker 06 No, but yes, you did recently just stopped.
31:52 Caleb Hammer? Good.
31:54 Speaker 06 A month clean, I believe, right?
31:55 Caleb Hammer? Should I fucking kick him out into the fucking lobby so we can continue this conversation?
32:00 Speaker 06 What I need to do
32:01 Caleb Hammer? Wait, wait, if I get annoyed.
32:02 Speaker 06 Tell me what I can do.
32:02 Caleb Hammer? Shut the fuck up. Stop trying, are you trying to be silly?
32:06 Speaker 06 I'm not trying to. It's just distress and anxiety.
32:10 Speaker 06 You know, if I keep laughing off, maybe I don't have to face the things I'm feeling.
32:13 Caleb Hammer? Face the things you're feeling? What are you feeling?
32:15 Speaker 06 Terrified.
32:16 Caleb Hammer? Terrified of what?
32:17 Speaker 06 Seeing how this is what
32:18 Caleb Hammer? Then why haven't you done anything?
32:20 Speaker 06 Because I try to avoid it, try to run from it.
32:22 Caleb Hammer? What does that do?
32:23 Speaker 06 It just makes it even worse.
32:25 Caleb Hammer? Uh huh.
32:25 Speaker 06 Go on, go on, but then it just keeps getting piles and piles. The pile gets bigger. You don't want to look at it.
32:30 Caleb Hammer? Uh huh.
32:31 Speaker 06 And I want to start looking at this and get this done.
32:35 Caleb Hammer? Okay. So you want to start looking, then why haven't you?
32:38 Speaker 06 I, I recently started doing that looking too. I build an Excel sheet, seeing where the money's going out.
32:43 Caleb Hammer? You've built the Excel sheet. We know about the Excel sheet. You haven't done anything with the
32:46 Speaker 05 It's my Excel sheet that you're using.
32:50 Speaker 06 I didn't know how to do it until
32:51 Caleb Hammer? All right. Neither of you leave this office until you download the simpler budget app. You download that. We'll get you the premium version for free. There's a multi-week trial out there for people who want to test out the premium version. Uh, and if you want the Founder's Edition simpler budget notebook, just, uh, take the annual option that which saves you money anyway. And I'll send you one signed, but either way, use it, use the automatic account connection features. Everything that comes with the, the community chat in there, keep each other accountable. Budget this, maybe it's a household preparing to go into this thing. So you actually understand what accounts each other have, because you'll see it in there. You'll see each other spending across the other, the, the entire thing. You'll actually know what's happening.
33:38 Caleb Hammer? So you do not leave until you do that. Okay.
33:42 Speaker 06 I'll get that going.
33:43 Speaker 05 Yep.
33:44 Speaker 06 Yeah.
33:45 Caleb Hammer? Which credit card did you guys put the wedding on by the way?
33:49 Speaker 05 The one you're looking at.
33:50 Caleb Hammer? The wedding was on this card?
33:52 Speaker 05 Yeah.
33:53 Caleb Hammer? What else these? Okay. How much?
33:58 Speaker 06 It had a good deal.
34:00 Speaker 05 We.
34:01 Speaker 06 They did. They said if you pay up all in front, you get $2,000 off of it.
34:05 Caleb Hammer? Okay.
34:06 Speaker 05 So we put, I think, eight grand on it.
34:13 Caleb Hammer? Why on a credit card?
34:16 Speaker 06 Because we were trying to get.
34:17 Speaker 05 Because of that discount.
34:19 Speaker 06 It was like pay and fold, do it now.
34:21 Speaker 05 So, I mean, we had a savings going.
34:25 Caleb Hammer? Why not go into being able to pay for a wedding when we have the fucking money to? You're engaged for, you've been engaged for two years. We couldn't do two years to save up for this.
34:35 Speaker 06 We knew we wanted to do it.
34:36 Speaker 05 Okay.
34:38 Speaker 06 That's not what I said. What, what the fuck are you talking about? I didn't, you were saying like, oh, you're all engaged for two years.
34:42 Caleb Hammer? Yeah, you've had two years to prepare for the fucking wedding cost, because you knew you were getting married. What the fuck are you talking about? This guy's. Oh, I don't like him. Please, please. Let's talk about something important. You can do what feels like everything to prepare for your family's future, but be honest. How secure would their future be if you are suddenly not around to provide for them? Thinking of your loved ones struggling without you there is stressful and upsetting, but the good news is it's actually easier than you think it is to line up some extra protection so that they have some extra security in case the unexpected happens to you. But with today's sponsor, Fabric by Gerber Life, applying for term life insurance is totally simple and convenient. You can get the coverage
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37:23 Speaker 05 I was gonna say what happened was we had a savings going, right?
37:27 Speaker 05 Um.
37:27 Caleb Hammer? Yeah.
37:30 Speaker 05 But then, instead of using it for the wedding, we used it for a new car.
37:36 Speaker 05 We paid it for.
37:37 Caleb Hammer? When? When?
37:39 Speaker 06 Okay, this was justified.
37:41 Caleb Hammer? Wh- this when? Uh, last year.
37:44 Speaker 05 Six months ago?
37:45 Speaker 06 Six years, yeah. It was in September, September last year.
37:48 Caleb Hammer? Justified.
37:49 Speaker 06 Absolutely. My car was breaking down. This was happening. I was doing repairs on it. It was a 2011 Ford Escape. Got it from my mother. It was a beautiful car. I loved it. Very grateful for it. What happened? End up tires blowing out, transmission problems, compression, a gear shift, breaking it. Probably doing like a thousand dollars repairs a month on it just to get to work. Couldn't do with it. Never had a new car in my life, so I thought it would be great to have something reliable.
38:15 Caleb Hammer? What did he just say?
38:18 Speaker 05 Um, basically, his car was breaking down a lot. We were spending money on repairs.
38:23 Caleb Hammer? The car's so good. Come on. I come every time I drive it, dude. It's, it's, it's worth it. It really is. When you have that feeling, going to work, you're not sad, you're not, you know, unhappy about it. You're having that delight. You're driving on Swiss blissful lane of Goonin Central, shooting down straight. And then go happy with it. No matter how bad the job is, you can go home happy. I think that's worth, worth a lot of it. If I were her, I would never be going home happy.
38:50 Speaker 05 I'm, I'm pretty happy.
38:52 Caleb Hammer? Yeah.
38:54 Caleb Hammer? I don't know.
38:56 Caleb Hammer? I don't know what prayers you say at night.
39:01 Speaker 05 I don't know.
39:02 Speaker 06 Whatever god you're praying to, I bless him every single day. I do. I'm very lucky to have you. Extremely.
39:07 Caleb Hammer? Oh. Jeez. Okay.
39:16 Caleb Hammer? I guess I'm just gonna move forward.
39:21 Caleb Hammer? Discover, another Discover. Is this your version of the Discover?
39:25 Speaker 06 This is my Discover, correct.
39:26 Caleb Hammer? Okay. Okay, what's going on with this card?
39:30 Speaker 06 Uh, so basically, that was probably my oldest Discover, uh, credit card. Uh, family members like, hey, you should get into credit, start building that when I was young, like 18 years old. Starting doing that, it's like, oh, I had money on it. I could spend it. And I maxed it out in a couple of months and it's been maxed out.
39:45 Caleb Hammer? A couple of fucking mo-
39:46 Speaker 06 It's been maxed out ever since.
39:49 Caleb Hammer? Are you serious?
39:51 Speaker 05 I actually remember, I, I tried to get him to get a card, cause I thought he would pay it off every month.
39:58 Caleb Hammer? Wait, wait, wait, how long has this been maxed out?
40:01 Speaker 06 Ever since I had it, basically. Oh, but in years of length of time, probably six years?
40:07 Caleb Hammer? It's been maxed out for six years?
40:10 Speaker 06 Something like that.
40:10 Caleb Hammer? Give me that card. Give me that pink card. Maxed out for six fucking years. Give me that card.
40:17 Speaker 06 It's a pretty, it's rainbow.
40:19 Caleb Hammer? Please, can I cut this up for you? Cause I do not, it's been maxed out for seven years. Do I have consent to chop this up? Cause I cannot let you leave with this card.
40:29 Speaker 06 I wanna do the honors of cutting it.
40:31 Caleb Hammer? Okay, as long as you actually fucking cut it. And no, I don't care about throwing scissors at you. I'm afraid of you holding them, though.
40:37 Speaker 06 I cut it.
40:39 Caleb Hammer? Is, is your entire, is this a bit to you?
40:41 Speaker 06 No, I just-
40:41 Caleb Hammer? No, is this conversation a bit to you?
40:43 Speaker 06 It's not a bit to me at all.
40:44 Caleb Hammer? Then what the fuck?
40:45 Speaker 06 It, it's just me trying to be stupid and idiotic, not trying to face my situations. I cut the-
40:51 Caleb Hammer? If you, if you know that, you know that, you just said that. That's like the fourth time you said that. If you know that, then stop!
41:00 Caleb Hammer? For the sake! You're a child! Oh, my god! I, I can't fucking deal with you!
41:08 Caleb Hammer? He's not ready for this fucking conversation. Maybe you are. He's not. Are you able to ever have a serious conversation with this man? And that's a generous man.
41:18 Speaker 05 Uh, yeah, it's... I don't, you have to set the situation, I guess. I don't know. I, I don't know. Yes, the answer is yes.
41:26 Caleb Hammer? How? How possibly?
41:30 Speaker 05 I don't, I guess you just listen to me.
41:32 Speaker 06 I guess I do. I try to push everything out that's not you, really. And just think, and...
41:37 Caleb Hammer? Then what the fuck can I do?
41:40 Speaker 06 What you can do is just really put in some blamed view, and I've seen her react.
41:44 Caleb Hammer? Blamed view, you're a f-
41:52 Speaker 06 Oh, it's gone.
41:53 Caleb Hammer? It's gone!
42:01 Speaker 06 Maxed out for so long.
42:02 Caleb Hammer? Congratulations. Good. I'm so proud of you. It's so, and it's above max, you little f- It's above max. Well done. Hundred thirteen dollars minimum payment. You're so good. Well done. Thirty dollars of purchases and sixteen cents with ninety-two dollars and eighty cents of interest. Congratulations. Well done. It's above the credit limit. Well, get done. You're doing so well for your future wife. You're doing so well for this future marriage. You're doing so well for your future kids. You're doing so well for your future house. You're doing so well for your future retirement. Good job. You've had seven years to do anything with this card. You said, "No, I'm gonna be a child instead." Good job. Congratulations. Maybe it's time to wake the f- -up. Maybe it's time to be an adult and actually act like you're in your twenties for the first time in your life. Instead of acting like you're fucking sixteen. No, not even sixteen. That'd be way too mature for how you're acting.
42:45 Caleb Hammer? Maybe instead of acting like you're eleven, you'll act like you're twenty-six. Like you have someone that's depending on you. Like you're headed into something serious. Maybe you'll act like a fucking man for the first time in your life. For sake, maxed out for seven years. What a joke. Sixteen years to pay off. He goes for Caribou and Ein- Yeah, it, um, oh. Oh, it's, you went to a restaurant. Einstein's. Couldn't say the word.
43:11 Speaker 06 It's been a long, this has been a long childish mindset.
43:14 Caleb Hammer? Yes, I fucking know that. I can tell. I'm in front of you, and I don't find it cute or funny. I'm finding a massive waste of her time, my time, producers time, their time. Maybe she'll get something out of this. Maybe you act like a [__] adult for the first time by the end of this. I don't know.
43:31 Speaker 06 I can promise I'm gonna definitely.
43:32 Caleb Hammer? No, you can promise nothing. I don't want to hear a word from you. I'm done with your existence. I am done with your existence. Me.
43:43 Caleb Hammer? That's for ruining my Friday. Four thousand, six hundred and ninety-two dollars and twenty-one cents.
43:51 Caleb Hammer? Hundred and twenty-four dollars is your minimum monthly payment.
43:55 Caleb Hammer? Oh, good. A thousand, five hundred, twenty-five dollars and fifty-five cents of purchases. Well, there is seventy-eight dollars and one cent of interest accruing. Our balance is now basically nine hundred dollars more than it was. Whose card is this?
44:09 Speaker 05 That one's mine.
44:10 Caleb Hammer? Is he an authorized user?
44:12 Speaker 05 No.
44:12 Speaker 06 No.
44:12 Caleb Hammer? What the [__] are all these purchases? The one who's good with finances in the house, the one who's lifting us up, the one who's keeping us all afloat. What are these purchases?
44:21 Speaker 05 Uh, those are everyday purchases and I.
44:24 Caleb Hammer? Everyday purchases?
44:25 Speaker 05 I used to pay it off.
44:25 Caleb Hammer? What is an everyday purchase to you?
44:27 Speaker 05 Like groceries?
44:29 Caleb Hammer? Groceries. You got a thousand, five hundred, twenty-five thousand groceries.
44:32 Speaker 05 Uh.
44:34 Speaker 05 Whatever else comes up.
44:35 Caleb Hammer? Whatever else you don't know. You don't possibly know. You wouldn't know.
44:41 Caleb Hammer? Do you not know?
44:42 Speaker 05 I'm not sure.
44:47 Speaker 06 But then again, I'm thinking really is that it's probably of the mindset is that we it's like, oh, we need to spend, we need to get something or we need to, oh, we need to get gas. I'll just use this main credit card every day.
44:59 Caleb Hammer? Main.
44:59 Speaker 06 This is my mindset when I go into these things. It could be that also.
45:06 Speaker 06 Especially when the money's low in the balance and you're like.
45:08 Caleb Hammer? Why are we allowing the money to get low? You guys don't make insignificant money. Together, combined household income, you guys do pretty okay, close to the median household in the United States.
45:17 Speaker 06 So when you say that, that we don't, we make a pretty decent significant amount of money.
45:21 Caleb Hammer? Sixty thousand net.
45:22 Speaker 06 I always thought, uh, kind of like just be in the mindset of the debt's always there. It's never gonna go away. Why start now? Why do this?
45:30 Caleb Hammer? Then why are you here?
45:33 Speaker 06 Because things were starting to get really bad.
45:36 Caleb Hammer? What?
45:37 Speaker 05 I mean like-
45:37 Speaker 06 Collecting agencies were trying to get in contact me, cards were saying like-
45:41 Caleb Hammer? So this collection-
45:42 Speaker 05 So also like he gets these monthly payments for school and stuff.
45:47 Caleb Hammer? School?
45:47 Speaker 05 He would have to explain that one.
45:48 Speaker 06 Yes, I receive military VA benefits.
45:50 Caleb Hammer? You were in the military?
45:52 Speaker 06 No, my mother was. She's 100% disabled veteran, shows she receives benefits of that. I, since I'm her child, I receive monthly siphon while I'm in college of, so what that's funny.
46:03 Speaker 05 But they come like, pretty sporadically, so lately I've been having to pay rent and do other things instead of paying off the cards.
46:11 Caleb Hammer? Well, I mean, it's pretty normal for someone to have to pay their own rent.
46:14 Speaker 05 We have, we have, uh, our payments are split up for various things, so I pay certain bills, he pays the others, and I've been having to cover his, his share.
46:23 Caleb Hammer? Well, I mean, you guys aren't technically married, but you're about to get married, you've been on a test run for the last two years. Why not at least practice what it's like to have a, instead of like, I'm taking care of this bill, you take care of that, but blah, blah, blah, blah, blah. Like, on to one little pot, pot goes to bills, no matter whose money was assigned to the dollar in the pot.
46:41 Speaker 05 Yeah, we're trying to, we're trying to acclimate to getting-
46:44 Speaker 06 That was a conversation we've been having for a few months.
46:46 Speaker 05 Cause for years-
46:47 Caleb Hammer? So what the fuck have we done then? With progress with that?
46:50 Speaker 05 Well, for years, we had everything that was like, is all separated. I used to keep a tab of money that he owed me, and it just sort of accumulated.
46:59 Caleb Hammer? A tab of money that he owed you?
47:01 Speaker 05 Yeah, I actually-
47:03 Caleb Hammer? What was it to get up to?
47:04 Speaker 05 Well, I actually got an inheritance at one point, and-
47:08 Caleb Hammer? How much?
47:10 Speaker 05 Fifty thousand? I paid my car off though, with it.
47:15 Caleb Hammer? How much was the car loan?
47:17 Speaker 05 Uh, I paid it like twenty-five thousand.
47:21 Caleb Hammer? You did not, yeah, twenty-five, fuck it, okay. So you had twenty-five left-
47:24 Speaker 06 But it was paid off.
47:25 Caleb Hammer? You have, shut the fuck-
47:26 Speaker 05 And then-
47:26 Caleb Hammer? Twenty-five left, where'd it go?
47:29 Speaker 05 Then the rest went to like a year and a half of living expenses. Well, one to three years.
47:36 Caleb Hammer? Why weren't you cash flowing living and all that just like grow in the market or something?
47:41 Speaker 06 We were both just pretty much.
47:43 Speaker 05 Dumb and stupid.
47:45 Speaker 06 We wanted to pay the full year of rent. That's what our place was. That's how they were managing it. And it was like, oh, we're just in bad situation mentally or whatever. That was like, oh, let's just stay home. Let's just stay home and focus on the year.
47:58 Caleb Hammer? You guys were just staying home? You stayed home for a full year? Didn't do work?
48:02 Speaker 06 Pretty much.
48:03 Caleb Hammer? Wait, wait, wait. When was this? What the fuck?
48:07 Speaker 06 Yeah, I think it was twenty eighteen.
48:09 Speaker 05 I dropped out of school and then didn't get a job.
48:13 Caleb Hammer? Yeah, it was it was pre pandemic and you guys literally just stayed at home for a year.
48:17 Speaker 06 Pandemic was a beautiful time for us. So we did nothing change really.
48:21 Caleb Hammer? Yes, I can tell your maturity did not grow in those years. I know. It was a wonderful time for you. So good. It's been so beneficial. Okay. How the can we justify staying home in two thousand eighteen for a full year and doing nothing? Just rotting? And not making any progress in life?
48:41 Speaker 06 I guess the problem is not being happy. So it's like, oh, we have the money. Maybe this can make us happy. We can focus on.
48:48 Caleb Hammer? But blowing twenty five thousand dollars, you knew you'd have to go back. Twenty five thousand won't last a lifetime. You know, you had a limited twenty five thousand. How'd you guys even survive? Could you even survive on twenty five thousand for a year?
48:59 Speaker 06 Now, absolutely not.
49:01 Caleb Hammer? But then you did?
49:02 Speaker 06 Yeah.
49:03 Caleb Hammer? You didn't borrow anything else or have to make anything else?
49:05 Speaker 05 Well, I don't know about your credit cards because I guess they were maxed out for that time.
49:09 Speaker 06 I did have a credit one, but not.
49:11 Caleb Hammer? Credit one?
49:12 Speaker 06 I don't have that anymore, but that was that was very maxed out. She actually looked at it and saw like it was horrible. It's like, you need to get rid of this right away. I got rid of it, closed the account, paid it off a long time ago. I did it. So that's that's a sign of hope that I am able to achieve that.
49:36 Caleb Hammer? I mean, I ain't heard you stayed home for a full year, so.
49:43 Caleb Hammer? I obviously didn't really learn a lesson through any of that. Cause look where we are, guys. Thought you had thirty to forty thousand dollars of debt.
49:52 Caleb Hammer? Eighty-five thousand.
49:54 Caleb Hammer? Right. Yes, there's lots of groceries, maybe. Walmart's a little hard to tell sometimes. And some psychiatric. And some other things like that. Oh, pediatric. Pediatric? Wait, do you guys have a kid?
50:08 Speaker 05 No, um, I go get allergy shots. So that's what the pediatric is.
50:15 Caleb Hammer? Okay, but then donuts, cafe, Amazon, and another subscription.
50:21 Speaker 06 We do want a kid in the future, but we're not gonna bring that child into this financial situation. That's the biggest reason.
50:28 Speaker 05 It's kind of our motivation for wanting to fix it.
50:30 Caleb Hammer? You know, you remind me of Private Pile.
50:32 Speaker 06 I really don't know what that is.
50:33 Speaker 05 I don't know what that is.
50:38 Caleb Hammer? Just never give him a fucking rifle.
50:42 Speaker 06 I mean, I want a rifle. We own three guns. Shotgun, assault rifle.
50:47 Caleb Hammer? Hopefully just not near a school. Seventy-eight dollars in interest occurring on a monthly basis.
50:54 Caleb Hammer? So this is the everyday card.
50:56 Speaker 05 Yeah.
50:59 Caleb Hammer? Why? Why pay interest on every day?
51:03 Speaker 05 I'm not good at using a debit card.
51:06 Caleb Hammer? Not good at? What do you mean not good? How how you be good at using a debit?
51:10 Speaker 05 Well, it seems more stressful because I don't know how much is in my checking.
51:14 Caleb Hammer? How about you, uh, no?
51:16 Speaker 05 Yeah.
51:17 Caleb Hammer? How about we, uh, budget? Literally, you'd you'd open this up for budget app and it would fucking tell you across everything. It would tell you across everything.
51:27 Caleb Hammer? Good for you.
51:28 Speaker 00 Now, more than ever, we need someone on our side. But Rob Whitman? Whitman's votes drove up costs, cut Medicaid, and risked 350,000 Virginians' healthcare to pay for tax breaks for himself and his donors. He's not on our side. Shannon Taylor will fight corruption, cut taxes, and bring down costs. This November, vote for Shannon Taylor. She's for us. Paid for by HMP, the House Majority PAC dot com. Not authorized by any candidate or candidate's committee.
51:57 Caleb Hammer? Oh, my gosh. Okay. I will allow you to use the Fizz card. It's the only one I'll let you use because it builds credit. But it's a debit card, so you can only spend what's in your checking account. That's the only thing I will allow you to use it as a credit card. You guys are not capable of utilizing debt for your own benefit. Not even close, not for a single second. It is an enemy for you.
52:19 Speaker 06 Definitely seeing how much it damages it. And not even for the, of just the money's sake, but the future's sake. How damning it can be.
52:28 Caleb Hammer? Best Buy.
52:30 Caleb Hammer? Is that you?
52:31 Speaker 06 That is absolutely me, yes.
52:34 Caleb Hammer? $2,179.46, the minimum monthly payment of $78. $10 of purchases. I mean, again, the balance, even though you put the 70, you know, whatever dollars of purchases, or $76, which was the last one for the minimum monthly payment, the balance only went down by $11 because of your interest in purchases.
52:59 Speaker 06 So that's actually an interesting story there. So with Best Buy, you know, I actually never shop at Best Buy.
53:05 Caleb Hammer? Careful. Listen carefully. You might need a translator for me, please.
53:08 Speaker 05 Okay.
53:09 Caleb Hammer? Ramble.
53:11 Speaker 06 I went to Best Buy. I wanted a Fortnite skin and you had to get a new phone for it. So that's how Best Buy was born. That's the true, honest to God, swear to me, I'm a merchant.
53:20 Caleb Hammer? And you wanted to start a fucking Yu-Gi-Oh! business with this guy?
53:23 Speaker 05 I actually only found that out a few days ago.
53:25 Speaker 06 I thought. I said it before, but I guess not.
53:28 Speaker 05 I, I only found that out a few days ago.
53:30 Speaker 06 Okay.
53:30 Speaker 05 So.
53:31 Caleb Hammer? You don't know what you say.
53:34 Caleb Hammer? You don't know what you say.
53:35 Speaker 06 What do you mean I don't know what I say?
53:36 Caleb Hammer? Air leaves your mouth and you have no idea what you say. I wouldn't be confident that you've ever said or didn't say anything.
53:43 Speaker 06 So I'm just mindlessly going?
53:44 Caleb Hammer? Yes.
53:46 Speaker 06 What makes you?
53:46 Speaker 05 I actually agree, yeah.
53:48 Speaker 06 Is it?
53:49 Caleb Hammer? Your wife almost agrees, so maybe be with me on this.
53:52 Speaker 06 Recognizing that's where the joke is coming from, maybe, uh, definitely the day, oh, just don't think about it. Mindless, go, go, go, go. Everyone thinks you're just a big joke, you just don't think about things.
54:01 Caleb Hammer? Everything, no, that's not why people think you're a joke, it's because you act like a fucking joke. Look how you did the first 25 minutes of this conversation, 30 minutes.
54:07 Speaker 06 I wasn't even thinking, I was just instinctively or just, my first reaction was to do that.
54:16 Caleb Hammer? So what kind of phone did you get?
54:18 Speaker 06 Oh, man, I don't even, it was a Samsung Note 7, I think?
54:22 Caleb Hammer? It's just a?
54:22 Speaker 06 Something like that.
54:24 Caleb Hammer? Okay, so you have that card?
54:26 Speaker 06 Yes, I do.
54:26 Caleb Hammer? You gonna chop off that fucking card?
54:28 Speaker 06 I'm gonna chop that card.
54:30 Speaker 05 Why don't you just chop up all of them while you're at it?
54:32 Caleb Hammer? Yeah, why don't you, fucking seriously? Good?
54:35 Speaker 06 That's all the cards.
54:36 Caleb Hammer? Good, so I do.
54:37 Speaker 06 That's every?
54:38 Caleb Hammer? Credit cards, credit cards, guy, credit cards.
54:41 Speaker 05 Alright, so which ones are the credit cards?
54:43 Speaker 06 Every single one here, every, every single one.
54:45 Caleb Hammer? Really? You don't have a single debit card in there?
54:47 Speaker 06 I, I do have a debit card, it's just not in here.
54:50 Caleb Hammer? What? Okay, okay, okay, go on!
54:54 Speaker 06 Well, the credit cards, you-
54:55 Caleb Hammer? Go!
54:55 Speaker 06 Okay. That's fine. Capital One.
55:09 Speaker 06 Stupid fucking business.
55:15 Speaker 06 And diamonds, sir. Yeah, we're gonna get married, but I don't want to, all the, I could've waited on this shit. Paying, goddamn 256 on this shit.
55:28 Speaker 06 Pissing me off. All this shit.
55:32 Speaker 06 Cut it, it's done, it's done.
55:37 Speaker 06 Alright.
55:38 Caleb Hammer? I'm gonna gift you three therapy sessions through Sondermind.
55:42 Speaker 06 Thank you.
55:43 Caleb Hammer? I use them, the audience uses them. Please use them.
55:49 Caleb Hammer? Guys, I just wanted to say an extra thank you for making Simpler Budget an incredibly popular app. I wasn't expecting it, but we literally get like thousands of downloads a day. And a lot of you are actually changing your financial future and we've been hearing from you. So, thank you all for supporting us. We just wanted to continue to say thank you and give people the opportunity to try out the app. So, we still have a two-week free trial in there for the premium version. And of course, everyone that signs up for an annual version, at least for this next quarter, will get a Founder's Edition Simpler Budget Notebook. And it is signed by me, sent directly to you. So, that's a special thank you for putting your trust in us to create an amazing budgeting app. And let me tell you, the features that we're gonna release throughout this next year are about to be crazy. I'm gonna make this the best budgeting app that has ever existed.
56:34 Caleb Hammer? Seriously, download Simpler Budget now. It's incredible. The time to take control of your finances is literally right now.
56:41 Speaker 06 Definitely going to. I've been seeing therapists lately, too.
56:44 Caleb Hammer? Lately, therapists, multiple, geniuses therapists, what are you doing?
56:47 Speaker 06 Uh, we've been discussing really, discussing how much I really need a therapy in my life. I never used it in my life until recently. I was with ther- go ahead.
56:55 Speaker 05 Yeah, he's just trying to find the right one. The last- first time trying it.
56:59 Speaker 06 Last one I had, uh, wasn't really good fit and he was getting high all the time. He showed me his brass knuckles and I'm like, I wanna find a different therapist. I swear to God, this is not a joke that actually happened.
57:08 Caleb Hammer? I just concerned you went down a fucking alley and-
57:12 Speaker 06 No, no, nothing on the source.
57:14 Caleb Hammer? Saw a dude without teeth and you're like, let me talk to you.
57:17 Speaker 06 No, no, no, didn't do that.
57:19 Caleb Hammer? I know you just kinda ramble to people, so.
57:21 Speaker 06 I, I do, I do. I feel like maybe-
57:25 Caleb Hammer? Does this man allow him to go outside alone?
57:27 Speaker 05 Yeah, he actually got his concealed carry.
57:30 Speaker 06 Yeah.
57:34 Speaker 06 If I was ever gonna be in a situation where I need it, I have it. It's a beautiful thing. It's a beautiful thing.
57:41 Caleb Hammer? I'm very glad we have an armed security guard at these offices.
57:46 Speaker 06 Is that why he was so on? Okay.
57:47 Caleb Hammer? Yes, that is why. He wandered you down and everything.
57:54 Caleb Hammer? Very glad he started coming here today. For the first time.
57:59 Speaker 06 Fucking probably heard us on the phones like, get this fucking psycho out of here. You have to check his ass.
58:07 Caleb Hammer? Okay, $2,179 minimum payment. What kind of phone did you get with this?
58:13 Speaker 06 Uh, the phone with the Best Buy again?
58:14 Caleb Hammer? Yeah, it's the phone with the Best Buy.
58:15 Speaker 06 Galaxy Note S7.
58:17 Caleb Hammer? Okay, is that your phone?
58:19 Speaker 06 No, this is not my current phone.
58:21 Caleb Hammer? Yeah. Hmm, new to the gas station, probably got some bull because it's a little cheap for gas. Interest, of course, is accruing. We're sitting at 30% interest rate.
58:33 Speaker 06 On the Best Buy?
58:34 Caleb Hammer? The producers are not entirely convinced that you are not his just legal caretaker and we're putting on.
58:40 Speaker 06 You're my wrangler.
58:41 Speaker 05 Do I get paid for that or?
58:43 Speaker 06 I mean legally you sign.
58:44 Caleb Hammer? And then he's not allowed to know. It's kind of like a Shawsh- not, no.
58:52 Caleb Hammer? Okay, Capital One, what's this?
58:56 Speaker 05 His card.
58:56 Speaker 06 Oh yeah, that is my card there. Uh, to be honest, it was the exact same situation with old credit one I had.
59:02 Caleb Hammer? It's maxed out.
59:03 Speaker 06 Saw it on the mail.
59:04 Caleb Hammer? It's over maxed out.
59:05 Speaker 06 I was like, oh, a new credit card. I was like, oh, my debt's already [bleeped]. I'm trying to get a credit card so I can use money. And, uh, I got approved and maxed out ever since.
59:16 Caleb Hammer? Okay, $35 minimum payment, literally maxed out ever since. Yeah, purchases. You make a minimum payment, then you purchase it, goes over with the interest that hits. Seven years to pay off just a thousand dollars. That's fucking madness. I don't know why. Why can't you just not [bleep] spend on this? Why can't you? This would have been paid off by now with how long you've been doing it. Why not just not [bleep] spend on this?
59:38 Speaker 06 I guess it was because I just was constantly living to paycheck to paycheck a long time.
59:41 Caleb Hammer? But you weren't. You were just being a [bleep] with your spending. It wasn't paycheck to paycheck. People misuse that term. Paycheck to paycheck is your necessities, paycheck to paycheck. You were spending hundreds of dollars, if not thousands of dollars a month on fun. And you're like, if I can't do this with my paycheck, I'm paycheck to paycheck. Pour me, wah wah wah. No? Caretaker, tell them what I mean.
1:00:02 Speaker 06 I mean, if I didn't have the mon- this is my mindset back then. If I didn't have the money in my, in my bank account, all I need.
1:00:07 Caleb Hammer? Mindset back then, this just [bleep] happened to you, little tit. This just happened. This just happened back then. Don't tell me back then. No, back then. It's for vapor and pike smokes.
1:00:18 Speaker 06 I'm addicted, I'm an addiction.
1:00:20 Caleb Hammer? Yeah, no, you're a dick and addicted. I know.
1:00:24 Speaker 06 I take the compliment, mine's not that big, so if I'm a bigger.
1:00:27 Caleb Hammer? We're not surprised. No one's surprised. Is that true?
1:00:32 Speaker 05 No, I don't know.
1:00:35 Caleb Hammer? Well, his character shouldn't be seen anyway. This is an appropriate relationship.
1:00:42 Speaker 06 I've already had a talk with HR.
1:00:44 Caleb Hammer? Oh my gosh, okay.
1:00:49 Caleb Hammer? Okay, what is this international diamond center? Is this her ring?
1:00:52 Speaker 06 That is exclusive, I can't spend it anywhere else. That is her ring and her wedding band that I got. Yes.
1:00:57 Caleb Hammer? Band?
1:00:58 Speaker 06 Yeah, wedding band.
1:00:59 Caleb Hammer? What the fuck are we talking about?
1:01:00 Speaker 06 Like, you need it for the wedding.
1:01:02 Speaker 05 So like, an engagement ring and then a band around it for the wedding part?
1:01:05 Speaker 06 Like a full set.
1:01:07 Caleb Hammer? I thought that was just the ring, sorry.
1:01:08 Speaker 06 No, it's like two separate things.
1:01:11 Caleb Hammer? The ring's the thing on top of it, the diamond, and the band is what's around it?
1:01:16 Speaker 06 So if you see like the ring, there's like an attachment part on the bottom of it.
1:01:20 Speaker 05 So here's, here's the engagement ring and stuff, and then you put like a band underneath it or above it? And that's the, uh, the wedding part?
1:01:28 Speaker 06 Yeah.
1:01:28 Caleb Hammer? What?
1:01:30 Speaker 06 That's a thing, like, we're not.
1:01:31 Caleb Hammer? Yeah. No, it probably is, I'm probably, I don't know.
1:01:34 Speaker 05 I don't have it on, because I'm not married yet.
1:01:37 Caleb Hammer? Okay.
1:01:38 Speaker 06 I'm probably legally, I think about it, my IQ is probably not that high enough.
1:01:41 Speaker 05 I told Jade to get tested.
1:01:42 Speaker 06 You did, you actually, we actually had this conversation, that's not a joke, we had this conversation many times. Her sister, we're looking at me, it's like, hey, is he autistic? Like, is he, does he have this mental deficiency?
1:01:52 Caleb Hammer? Autism is the least of my concerns.
1:01:54 Speaker 06 We, um, we was like, well, maybe I should see a psychiatrist, I'm taking IQ. Maybe I'm fucking Einstein, I just don't know it. Gonna unlock that.
1:02:03 Speaker 05 Or the opposite, you know?
1:02:05 Speaker 06 The opposite?
1:02:06 Speaker 05 Opposite of Einstein.
1:02:08 Speaker 06 People know about me, though. It's like, that was the guy who was the opposite of Einstein, I don't know.
1:02:14 Speaker 06 Yeah! Brilliant. I got it!
1:02:18 Speaker 06 That's probably the smartest thing I've ever said.
1:02:22 Speaker 05 I'm in disbelief, okay.
1:02:24 Speaker 06 God. So when do I need to get tested?
1:02:27 Caleb Hammer? How has he survived? How has he survived? Well, it's because of you, since you knew each other since freshman year.
1:02:37 Caleb Hammer? Sorry.
1:02:38 Speaker 06 Usually when I meet people, they say they will never forget me. They don't really go into detail, but I get that a lot.
1:02:46 Caleb Hammer? Jake typed room temperature IQ.
1:02:50 Caleb Hammer? It made me chuckle.
1:02:52 Speaker 06 More like Celsius, but yeah.
1:02:56 Speaker 06 That's a smart joke. Because Celsius is a lot lower than Fahrenheit.
1:03:02 Caleb Hammer? Okay, no, no, no, I know, I see. When we stop. Can I please, can I please talk about this credit card? Oh my, $5,289.82. $28 a purchase, oh, interest, interest, fees.
1:03:17 Speaker 06 Fees, what is a fee?
1:03:17 Caleb Hammer? Fees?
1:03:20 Caleb Hammer? Delay fee, you. Did you know he's late on your fucking diamond? Hey, throw that away, it's late, it's not even paying on it.
1:03:26 Speaker 06 It was one time, it was one time.
1:03:27 Caleb Hammer? Fuck you, all it takes is one time and I don't have proof of that because all I have is the first month of the year. I haven't seen last year, so fuck you, I don't know, when'd you get this?
1:03:34 Speaker 06 Uh, two years.
1:03:36 Caleb Hammer? Two years ago, so it's still $5,000 on, you got fucking fees? Not paying, why aren't you, why aren't you paying on time, fee?
1:03:42 Speaker 06 Uh, the, the two months I didn't have received my military benefits and stuff, that's when was the late fee that was occurring. And I decided to do my car payment more than anything, so that's not.
1:03:52 Caleb Hammer? How about you just don't go off, how about you just don't fucking smoke, babe? Why don't you just get, not do all that other bull that we've seen?
1:04:01 Speaker 05 Why was it late anyways? Because I've been sending you money.
1:04:05 Speaker 06 I thought I, uh, paid everything that needed to be gone.
1:04:08 Caleb Hammer? The wedding band was $3,000, what's the rest?
1:04:11 Speaker 06 The engagement ring.
1:04:13 Caleb Hammer? Was it another, like, three?
1:04:15 Speaker 06 I think this one was around $5,000 originally, I believe.
1:04:18 Caleb Hammer? Yeah, I got.
1:04:20 Speaker 06 Listen, for all the shit he has to put up, it's worth it.
1:04:22 Caleb Hammer? Like a few months' salary? Yeah, you just financed it.
1:04:30 Speaker 06 Am I giving you like indigestion?
1:04:32 Caleb Hammer? I'm yelling cuz you're a fucking
1:04:37 Speaker 06 I wish.
1:04:39 Caleb Hammer? Makes sense. It doesn't make sense.
1:04:41 Speaker 06 Doesn't need to be. I can live.
1:04:43 Caleb Hammer? Okay, he's reverting. He's reverting.
1:04:46 Speaker 05 Yeah.
1:04:47 Caleb Hammer? He's reverting. Can you please like do something about this?
1:04:51 Speaker 05 Take a breath.
1:04:51 Caleb Hammer? Nothing I can do.
1:04:52 Speaker 05 Take a breath.
1:04:53 Caleb Hammer? Really? You have no ability.
1:04:56 Speaker 05 I'm working on it. I'm trying.
1:04:57 Caleb Hammer? Really? This is what you do? This is how he's gotten here?
1:05:00 Speaker 05 Yeah.
1:05:01 Caleb Hammer? I'm joking. This is how he's gotten here.
1:05:03 Speaker 05 It gets worse with nerves. I know that.
1:05:05 Caleb Hammer? No one's told him to ever just shut the fuck up.
1:05:08 Speaker 06 They did. I just didn't.
1:05:08 Caleb Hammer? Shut the fuck up! What is this collections? Oh, it was an emergency medical associate. Is this when you hit your head at one?
1:05:20 Speaker 06 Uh, that's when I one time I got too high one time and it's hallucinating so much I went to the hospital. It was a bad time.
1:05:27 Caleb Hammer? Did you ever come back down?
1:05:30 Speaker 06 Uh, the next day.
1:05:33 Speaker 06 Went to dispensary. I got my license to medicinal and tried it one time. We went woke up in the ER.
1:05:43 Caleb Hammer? Why are you with this? Six hundred and ninety-five dollars.
1:05:48 Caleb Hammer? What is DFC? It's a Honda. It's the Honda.
1:05:50 Speaker 06 Yes, that's my car.
1:05:51 Caleb Hammer? Thirty-nine percent interest rate. It's not even competing with the market.
1:05:55 Speaker 06 It's not too bad.
1:05:56 Caleb Hammer? It's fucking bad.
1:05:58 Speaker 06 I mean, nine percent. It's not that bad.
1:06:00 Caleb Hammer? It's bad. Just because it's not twenty-five doesn't mean it's a good interest rate and an depreciating asset.
1:06:08 Caleb Hammer? What's it worth? Well, first, we know you owe thirty-three thousand, six hundred, forty-nine dollars and forty-seven cents. Gosh, have people even made it this far in the episode? I'm very curious. With a minimum monthly payment of, oh my, can I say what the minimum monthly payment is?
1:06:26 Speaker 06 Yes.
1:06:26 Caleb Hammer? I don't know what it is. Tell me what it is.
1:06:28 Speaker 06 Uh, I believe it's five hundred and sixty dollars and eighty-four cents.
1:06:31 Caleb Hammer? What's it worth?
1:06:32 Speaker 06 Um, I honestly couldn't tell you if I had a guess, probably.
1:06:35 Caleb Hammer? Twenty-five, it's worth twenty-five, you're underwater by eight.
1:06:38 Speaker 06 Okay.
1:06:39 Caleb Hammer? What?
1:06:40 Speaker 06 So, another thing originally why I got that car, my, my mom was a big supporter of me, it's like, you really need a new car, Wendell, you, you need to do this.
1:06:46 Caleb Hammer? She's an American. Every American thinks you should go get an expensive car, expensive car loan, blah, blah, blah, eighty-four months, it's, this is the American way.
1:06:54 Speaker 06 She's been helping.
1:06:54 Caleb Hammer? I don't give a, who said it? Huh?
1:06:56 Speaker 06 She, she is helping per month, she's given us, uh, two hundred dollars to help with that car payment, and she's been helping with that.
1:07:02 Caleb Hammer? Yeah, and tell how long, what's her health, what's her age?
1:07:05 Speaker 06 Uh, she, I think around, uh, sixty, she just turned.
1:07:07 Caleb Hammer? Job situation?
1:07:08 Speaker 06 Uh, she doesn't work, she's a fully, uh, disabled veteran, yeah, so she has that.
1:07:13 Caleb Hammer? How's her health then?
1:07:14 Speaker 06 She's doing good, she's good. She has muscle pains and stuff, but she's good, healthy.
1:07:19 Speaker 06 She's a fighter.
1:07:20 Caleb Hammer? Okay, so I'm gonna put three hundred and sixty-four is what you owe, and we're gonna minus two hundred dollars, at least when we do our budgeting equation.
1:07:28 Caleb Hammer? Okay, uh, direct unsubsidized, so this is student loans, five point five percent interest rate. I know you couldn't complete a degree, so I'm assuming this is for you.
1:07:37 Speaker 06 Uh, that actually is mine.
1:07:38 Speaker 05 That's for, yeah, that's for him.
1:07:40 Speaker 06 I, I, me too, I dropped out of high school and stuff.
1:07:43 Caleb Hammer? That makes more sense.
1:07:44 Speaker 06 And I realized, um, like, I wanna pursue better things in my life, I wanna get educated, I wanna achieve more. I've always been working ever since I was seventeen years old, maybe I want more money, better jobs. So, I am going for my bachelor's in, uh, cybersecurity.
1:07:57 Caleb Hammer? Okay.
1:07:59 Caleb Hammer? When they said cybersecurity, are you sure that wasn't you just putting shapes through the right shap holes? You owe six thousand two hundred and ninety-six, I'll gift you a course career certification, cause they have a lot of tech, tech stuff too, that can help boost the, uh, boost your resume, so we can get you a higher paying job.
1:08:17 Speaker 06 I was actually looking into a lot of IT certifications.
1:08:20 Caleb Hammer? What's your minimum monthly payment on this?
1:08:23 Speaker 06 I'm not paying.
1:08:24 Speaker 05 It hasn't started yet.
1:08:26 Caleb Hammer? I'm still enrolled. You're still enrolled?
1:08:28 Speaker 06 Yes, I believe it ends around 2027.
1:08:32 Caleb Hammer? The schooling?
1:08:33 Speaker 06 I believe until that point I got my bachelor's.
1:08:35 Caleb Hammer? Oh, you're going bachelor's in cybersecurity?
1:08:37 Speaker 06 Yes, I am.
1:08:38 Caleb Hammer? Dang.
1:08:39 Speaker 06 Because I.
1:08:40 Caleb Hammer? One of my, one of my best friends went to a cybersecurity bootcamp, no college or anything, he's making well over six figures.
1:08:46 Speaker 06 I was researching, a lot of the certifications really helps with that.
1:08:49 Caleb Hammer? Certifications?
1:08:50 Speaker 06 Yeah, comps, CI, all that stuff.
1:08:56 Speaker 05 I mean, you started going because it was partially paid for by the VA benefits.
1:09:00 Caleb Hammer? But that's done?
1:09:02 Speaker 06 It's still going.
1:09:03 Caleb Hammer? Oh, yeah, you get a monthly stipend. What do you get?
1:09:05 Speaker 06 Uh, it, you, it should.
1:09:07 Caleb Hammer? Is it only during school semesters?
1:09:09 Speaker 06 Only during school, yes.
1:09:10 Caleb Hammer? Okay, how much?
1:09:11 Speaker 06 I think roughly around 1,200 a month.
1:09:13 Caleb Hammer? The, how are you guys struggling? What a blessing. How are you guys f-ing this up? That's the big part. How many semesters are we in school, or months are we in school a year total? Does it count winter break?
1:09:27 Speaker 06 I think that, that was the part I just learned about when it two months didn't happen. So I believe, uh, 10 months of the year.
1:09:32 Caleb Hammer? Okay.
1:09:36 Speaker 05 And then I also just started school.
1:09:38 Caleb Hammer? So we're gonna call it a thousand dollars a month. You just started school?
1:09:41 Speaker 05 Yeah, I, I dropped out of college, uh, mid-bachelor.
1:09:44 Caleb Hammer? I did too. It's not the worst thing. Wait, around three thousand? Wait, wait, wait, wait. How many student loans? Wait, wait, wait, what's your student loan total?
1:09:53 Speaker 06 I think around like over 20,000 some of the time.
1:09:59 Caleb Hammer? Oh, fuck, I thought that was just one.
1:10:02 Speaker 06 Oh, God.
1:10:02 Caleb Hammer? You're borrowing a lot from someone that gets a thousand, two hundred dollars a month, my gosh.
1:10:12 Caleb Hammer? So no one's twenty five thousand one hundred ninety six.
1:10:19 Caleb Hammer? Damn it. Okay, that's a lot.
1:10:22 Speaker 06 It's a damn good degree.
1:10:23 Caleb Hammer? What is this university thing?
1:10:25 Speaker 05 No one's mine.
1:10:26 Caleb Hammer? Why aren't you not paying five hundred forty nine dollars?
1:10:30 Speaker 05 I didn't have it.
1:10:32 Caleb Hammer? What's a four?
1:10:34 Speaker 05 That's for uh my first semester.
1:10:36 Caleb Hammer? What the fuck? Your semester's five hundred forty nine dollars? You're not even paying it?
1:10:41 Speaker 05 Well, no, I paid. So it's broken down into half semesters. I paid for the first half of the semester.
1:10:47 Caleb Hammer? This is the second half?
1:10:47 Speaker 05 That's the second half.
1:10:48 Caleb Hammer? A thousand dollars a semester?
1:10:50 Speaker 05 Um, I have scholarships in one.
1:10:53 Caleb Hammer? Oh, that's incredible. Pay it before they don't allow you to enroll in new semesters.
1:10:58 Speaker 05 I.
1:10:58 Caleb Hammer? Oh, my gosh, guys. Five hundred dollars you make. You make five thousand dollars net a month, plus a thousand on average from the extra VA thing. Six thousand dollars a month. Pay a five hundred dollar twice a semester thing. Oh, my gosh. You spent thousands more than you guys made, but it all went to bull instead of actually things that actually sell your debt. Sell your fucking debt. Sell your debt.
1:11:27 Speaker 06 It it should.
1:11:28 Caleb Hammer? What?
1:11:28 Speaker 06 It should be all.
1:11:29 Caleb Hammer? What?
1:11:29 Speaker 06 It should be.
1:11:29 Caleb Hammer? So that's all your debt?
1:11:30 Speaker 06 It should be, yes.
1:11:31 Caleb Hammer? Nine hundred sixty three and some in Wells Fargo. Who's?
1:11:35 Speaker 05 Yes.
1:11:36 Caleb Hammer? Okay. McDonald's. Good. Instead of fucking.
1:11:41 Caleb Hammer? Using our scholarship and bull and cash flow in school a little better or pay off any credit card, keeping two credit cards maxed out for seven years? Good. Let's immediately go to McDonald's and Title Wave and KFC and ATM withdrawal hundred three dollars. ATM transaction fee three dollars. Go in and get into bull. Go in and get into bull jewelry advantage. I think that's your payment, right?
1:12:04 Speaker 06 Yes, that is my payment correct.
1:12:05 Caleb Hammer? ATM withdrawal eight hundred dollars. Look, did that go? Where the fuck did that go?
1:12:10 Speaker 05 Is that the casino?
1:12:11 Speaker 06 Yeah, casino. That's where we went.
1:12:16 Speaker 06 You only need to win the one time. When you do the lottery, you need to win the one time.
1:12:21 Caleb Hammer? So.
1:12:23 Caleb Hammer? So he hasn't given up on the bull. He hasn't given up on the bull. He hasn't given up. He hasn't given up on the fucking bull. He's still doing that. What do you think about this? You OK with that? Eight hundred dollars. Listen, two credit cards maxed out that he's refused to pay off for fucking years? For almost a decade, a decade, and he's going to eight hundred. You have a wedding to pay for. You wanted to go to Japan. He's eight hundred dollars the fucking lottery. Your business failed doing the stupid lottery. And he's going to eight hundred dollars right out of the bank, going to the fucking lottery. You're OK with this? You're accepting this. You're OK with this? You're gonna stay with a man that fucking does that. You're OK?
1:12:55 Speaker 05 Working on it? I mean, I did.
1:12:57 Caleb Hammer? No, you're fucking not. You are enabling. You're just quiet. You don't give a shit.
1:13:02 Speaker 06 We did.
1:13:02 Caleb Hammer? Or if you do, you just. It's so fucking stupid.
1:13:07 Speaker 05 We went together, but he he lost. He you brought more to lose.
1:13:12 Speaker 06 I did, yes.
1:13:13 Speaker 05 So.
1:13:16 Speaker 06 It was a fun time.
1:13:17 Caleb Hammer? What a moronic fucking episode. Dunkin' Donuts, Dunkin' Donuts, Playstation Network. Go in and get into bullshit, Amazon. Go to the fucking insane place again. What is this? I funny meme, I funny meme, I funny meme, I funny meme, I funny meme, I funny meme.
1:13:30 Speaker 06 Base.
1:13:31 Speaker 05 You're paying for that?
1:13:32 Caleb Hammer? What the is that?
1:13:33 Speaker 06 Sometimes when I funny, great platform.
1:13:35 Caleb Hammer? I don't know what it is, Tommy!
1:13:37 Speaker 06 It's like Instagram memes and posts, like a social media.
1:13:41 Caleb Hammer? You're paying for it?
1:13:42 Speaker 06 Sometimes when you see a banger of a post, you do a little charity.
1:13:45 Caleb Hammer? Oh, charity?
1:13:47 Speaker 06 Absolutely.
1:13:48 Caleb Hammer? Oh, charity, you're charity. You doing charity? You! You have a wedding to pay for, you fuck.
1:13:58 Speaker 06 It was ninety nine cents.
1:13:59 Caleb Hammer? Ninety nine cents a million fucking times, you cunt. What the fuck do you think you're doing? Playstation Network, Playstation Network, same purchase. What a joke! Hundreds, thousands, because of the fucking casino. Down the drain, all for fucking bull, bull, bull. This is so dumb. This is so fucking dumb. This is so fucking dumb. I'm, I have, I have zero hope after that checking account. You have lost your pain fucking memes. Your entire life is a meme, entire joke. You're dragging her down and she's just accepting it. I, I, and who knows why?
1:14:43 Caleb Hammer? That's an equation we will never be able to figure out by the end of this conversation, I'll tell you that. Me.
1:14:50 Speaker 06 But there is a hope.
1:14:51 Caleb Hammer? Eighteen dollars in savings, you're doing so well, you're gonna be such a supportive positive.
1:14:56 Speaker 06 I am.
1:14:56 Caleb Hammer? Who's the, shut the fuck up, who's the eighteen dollars in Chase? Ha!
1:15:01 Speaker 05 Oh, Chase.
1:15:01 Caleb Hammer? How much have you guys lost at the casino recently? Just how much?
1:15:05 Speaker 05 Oh.
1:15:05 Speaker 06 I know, I brought, uh, I lost two thousand.
1:15:08 Speaker 05 Two thousand, I probably lost like five hundred.
1:15:15 Speaker 06 Um, actually, when I, right, Lotto tickets, so probably three thousand.
1:15:19 Speaker 05 Oh, jeez.
1:15:20 Speaker 06 Yeah.
1:15:21 Caleb Hammer? No, my.
1:15:23 Speaker 05 I mean, he wins sometimes.
1:15:24 Caleb Hammer? Lotto tickets, oh!
1:15:27 Caleb Hammer? He doesn't make it back.
1:15:30 Speaker 06 Not yet.
1:15:31 Caleb Hammer? I'm gonna like, actually, I'm, okay, okay, don't end it, don't end it, oh, you have no idea how bad I wanna end it.
1:15:44 Speaker 06 I think it's good, we can keep it going.
1:15:47 Caleb Hammer? You don't have to. What is good?
1:15:50 Speaker 06 Good that I'm hearing all this and digesting and listening to it. I have, I have hope.
1:15:55 Caleb Hammer? God! God!
1:15:58 Speaker 06 I mean, it was only like a hundred or two hundred dollars a month on Lotto tickets, some, cause.
1:16:03 Caleb Hammer? Oooh!
1:16:05 Speaker 06 You gotta like play to win.
1:16:06 Speaker 05 You don't do it anymore, at least.
1:16:09 Speaker 06 I haven't done it recently now.
1:16:10 Speaker 05 Yeah.
1:16:11 Caleb Hammer? Oooh!
1:16:19 Caleb Hammer? Do I have to film a fucking post show with these?
1:16:23 Caleb Hammer? I want him gone!
1:16:28 Caleb Hammer? I want him gone!
1:16:32 Caleb Hammer? Oh, fuck me.
1:16:33 Speaker 06 I came to meet you, man.
1:16:34 Caleb Hammer? Shut the, I don't care, I don't care, I'm sorry. Listen, if we met in public, I'm sure it'd have been great, it would have been. Pleasant five seconds of both of our times. Oh, this is not pleasant. We've been together way too long and I do not vibe with your personality. I do not vibe with your personality. I do not, I. Okay, okay, okay. I'm doing, I'm doing the thing. I don't know if you guys ever do this. I don't know if you guys ever do this out there in the audience. I don't know if you guys ever do this. I'm doing the thing where it's like kind of before having to rip off a Band-Aid or to like as a kid when you're taking the little, the shot of the nasty medicine or something. Like before you get a shot, I'm doing the thing where I'm just kind of like closing off and I'm just hoping this like goes away, but it's not. So I just need to go through with this and think. And just finish this bull.
1:17:18 Caleb Hammer? This is your checking account forty one dollars.
1:17:21 Speaker 05 Yeah.
1:17:21 Caleb Hammer? Chase, okay, good. ATM, what's wrong? Well done. We're probably casino. Probably casino.
1:17:34 Caleb Hammer? Ah, seven hundred five dollars in a checking savings account. Oddly surprising.
1:17:42 Caleb Hammer? Four hundred, oh, well, that's total, isn't it?
1:17:47 Caleb Hammer? One thousand seven hundred. Huh?
1:17:50 Speaker 05 Sorry, there are multiple savings accounts, just.
1:17:53 Caleb Hammer? Oh, okay, okay. I probably added up to about a thousand five hundred, okay. Robin Hood, a thousand seven hundred.
1:18:03 Caleb Hammer? What's it invested in? Our grand retirement plan?
1:18:07 Speaker 05 Uh, mostly S and P.
1:18:12 Caleb Hammer? It's not mine, so I don't, I don't know.
1:18:22 Speaker 05 I mean, there were some bad investments, but.
1:18:24 Caleb Hammer? In the past. Your worst investment was fucking sticking with him. Damn.
1:18:34 Caleb Hammer? I think you, I think you won the lottery with me. We do love each other. We treat each other good.
1:18:45 Caleb Hammer? Okay. Okay.
1:18:50 Caleb Hammer? I'm contemplating whether or not just to move on to the post show for my own sanity? Or to make a budget?
1:18:58 Caleb Hammer? You could just use the budget app. Do I really need to make a budget? I don't know. Do I have to? Do I have?
1:19:04 Caleb Hammer? Okay, Lindsay's saying yes, but I am the boss. So that is the good. The good thing about this. Said I can skip the last few statements. I went through every statement.
1:19:15 Caleb Hammer? I'm done. I want to. I'm not even looking at him. I don't want him.
1:19:21 Speaker 06 He's not.
1:19:23 Caleb Hammer? Hush now.
1:19:29 Caleb Hammer? Okay. Okay.
1:19:33 Caleb Hammer? I might need a fresh budget. And I believe I've thrown my calculator.
1:19:42 Speaker 05 I think the calculator's gone.
1:19:49 Caleb Hammer? Thank you.
1:20:14 Caleb Hammer? Congratulations. You're one of those guests.
1:20:17 Speaker 06 What's one of those guests?
1:20:22 Caleb Hammer? One thousand two hundred thirty dollars and twenty cents. This is how you'll forever be known. What a thing to be proud of. Six thousand dollars? What's your rent?
1:20:33 Speaker 05 Eighteen hundred?
1:20:36 Caleb Hammer? Utilities?
1:20:39 Speaker 05 Oh, um.
1:20:40 Speaker 06 I believe it's a medium.
1:20:41 Speaker 05 Spectrum? Oh, wait. Yeah, what's water?
1:20:46 Speaker 06 Water should be forty.
1:20:47 Speaker 05 Electric is one fifty.
1:20:50 Caleb Hammer? Internet?
1:20:52 Speaker 06 I believe that is, I think, forty or.
1:20:55 Caleb Hammer? Rent is insurance?
1:20:57 Speaker 05 Twelve.
1:20:59 Caleb Hammer? Gas, room, room, drive, drive. The car, gas that you drive.
1:21:04 Speaker 05 I think fifty for me. I don't drive much.
1:21:06 Speaker 06 Mine probably has to be around sixty-five a month.
1:21:12 Caleb Hammer? One sixteen. Car insurance for both.
1:21:15 Speaker 05 Uh, four fifty.
1:21:19 Caleb Hammer? Phone bill.
1:21:21 Speaker 06 Actually, um, we don't have a phone bill.
1:21:23 Caleb Hammer? Good.
1:21:23 Speaker 06 Our father is.
1:21:24 Caleb Hammer? That's it. That's it. Don't need a life story.
1:21:30 Caleb Hammer? Six hundred dollars for food. Use the cookbook.
1:21:34 Speaker 05 Alright.
1:21:35 Caleb Hammer? Comes with the premium version of the app. TP fund anything else to survive, two hundred dollars, medical or healthcare. I saw some medical things. How much on a monthly basis?
1:21:44 Speaker 05 Um, three fifty or four hundred.
1:21:49 Caleb Hammer? No subscriptions. Do you have any pets?
1:21:51 Speaker 05 Yeah, we have two cats.
1:21:54 Caleb Hammer? Ages and health?
1:21:56 Speaker 05 Uh, one is two years old, one is, uh, ten.
1:22:01 Caleb Hammer? Okay, for the two year olds, we're getting pet insurance, gonna put forty bucks in.
1:22:04 Speaker 05 We have, uh, pet insurance.
1:22:05 Caleb Hammer? How much is it?
1:22:06 Speaker 05 Uh, fifty total?
1:22:09 Speaker 06 It was actually thanks to your show that we actually got pet insurance.
1:22:12 Caleb Hammer? Cat food?
1:22:13 Speaker 05 Um.
1:22:15 Speaker 06 Is that like forty a month?
1:22:16 Speaker 05 Yeah, I think thirty or forty.
1:22:18 Caleb Hammer? Anything else that needs to be in the budget?
1:22:22 Speaker 05 Uh, I don't think so.
1:22:25 Caleb Hammer? Congratulations. You guys have a leftover of nine hundred hours on a monthly basis.
1:22:34 Speaker 06 And we're spending even more than that.
1:22:37 Caleb Hammer? Takes a hundred six months to pay off your guys' debt without any additional debt accumulating. That's eight point eight years.
1:22:47 Caleb Hammer? You're not gonna do anything, so I'm not gonna do any recommendations, but I did my fucking obligation. I am done.
1:22:54 Caleb Hammer? Okay. Sorry.
1:22:58 Caleb Hammer? Okay.
1:23:04 Caleb Hammer? Finish your college?
1:23:05 Speaker 06 Yes.
1:23:06 Caleb Hammer? Get back. You're you're going into a high, high paying career field that will help pay this off quicker. That will help. You, are you cutting down on work to go to college?
1:23:17 Speaker 05 Uh, no, I'm doing overtime.
1:23:18 Caleb Hammer? Cash flow this as much as possible, get through college, then grind out this debt, then get the fully funded emergency fund. We could probably, college, you have a couple of years left. College, you have how much left?
1:23:27 Speaker 05 Year and a half.
1:23:28 Caleb Hammer? Okay, so we could probably finish that up. You're about two years for college as well. Very good. And then I think with those higher incomes going into the field, probably four years, four years after that. So four, five, six. I think we could do this in six years, pay off all debt, get a fully funded emergency fund that's called seven years. I think you're gonna heavily focus on minimum life expenses and paying down high interest debt while we can borrow it at lower interest for school until then. And then, once you're done with school, higher income jobs and pay off the debt, get the fully funded emergency fund. I think it's a seven year process, including the school. Setting a budget, zero out of 10. That's everything you need to survive. Or, what am I saying? I broke you. That's not a thing to be proud of.
1:24:08 Caleb Hammer? Zero out of 10, because you overspent dramatically. You have collections, so zero out of 10. Debt score, emergency fund, two out of 10, making a little way. Retirement, that's a little, the Robin Hood's fucking joke, one out of 10. Real estate, zero out of 10.
1:24:28 Caleb Hammer? Financial score, one out of 10. Join us in the post-show. Who knows? Maybe I'll kill myself, maybe I won't. Let's find out.
1:24:37 Caleb Hammer? Uh, the elite version has thousands of hours of extra content. Happy content. Much better content. Content where I don't want to die.
1:24:45 Speaker 00 Now, more than ever, we need someone on our side. But Rob Whitman? Whitman's votes drove up costs, cut Medicaid, and risked 350,000 Virginians' healthcare to pay for tax breaks for himself and his donors. He's not on our side. Shannon Taylor will fight corruption, cut taxes, and bring down costs. This November, vote for Shannon Taylor. She's for us. Paid for by HMP, the HouseMajorityPac.com, not authorized by any candidate or candidate's committee.
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