F*ck This Pathological Liar | Financial Audit

▶I bring the boyfriend into the post show and the drama get juiiccyyyyyy- Watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶▶Download my *budgeting app* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. This comes with automatic account connections, my budget-friendly cookbook, an online community, and exclusive discounts on my products- change your financial future *NOW* ▶▶▶ *AND REMEMBER* those who sign up for Simpler Budget Premium *annual* get a signed versions of the Cook Book and Simpler Budget Founders Edition Journal, just send proof of annual here: https://tally.so/r/3xzPq5 Build credit fast and get your first month FREE at https://getkikoff.com/caleb today. Thanks to Kikoff for sponsoring us! Go to https://meetfabric.com/CALEB and apply today, risk-free Try InVideo AI for free - https://invideo.io/i/CalebHammer. You can use my code 'CALEBHAMMER50' to get twice the number of video generation credits in your first month. ▶▶▶Download my *budgeting app* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay ▶ Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ___________________________________________ ▶EDUCATION: 1. Bundle my budgeting, debt, investing and real estate program for *15% off* https://calebhammer.com/classpack/ 2. *The best budgeting program online: https://calebhammer.com/budget 3. Get my investing class and I’ll give you a $100 towards investing: https://calebhammer.com/investing 4. Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula 5. Everything you need for buying your first home to buy your first investment property: https://calebhammer.com/realestate/ 6. Get your own free Hammer Financial Score: https://www.calebhammer.com ___________________________________________ ▶RESOURCES 1. Checking & Savings: Get up to 3.80% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link 2. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer 3. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 4. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer 5. The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 6. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/ 7. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 8. Therapy: Make SonderMind your mental health home in 2025. Sign up at: https://pages.sondermind.com/caleb/ 9. Stock Investing: Earn up to $5,000 in Cash Back every year on your Stocks & ETFs. Terms apply: https://silomarkets.com/caleb All investing involves risk. Silo Financial LLC (“Silo”) is registered with the SEC. The creator receives cash compensation and is not affiliated with Silo. Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Speaker 00

  At Edward Jones, we believe rich is about taking care of what gives your life meaning. That's why your financial advisor personalizes your plan to help you preserve your progress and create something that lasts. Let's find your rich. Edward Jones. Member SIPC.

• 0:15Speaker 01

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• 0:45Caleb Hammer?

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

• 0:49Speaker 03

  I'm not a liar.

• 0:51Caleb Hammer?

  The numbers are the numbers.

• 0:52Speaker 03

  I need you to listen to me. I don't care. That's the one thing. I'm not a [bleep] liar. I am not a [bleep] liar.

• 0:58Caleb Hammer?

  What the [bleep] are you talking about? You don't know what the [bleep] you're talking about. Either a [bleep] moron or a liar, and we've discovered it was a liar. Download my budgeting app today and take control of your money once and for all. And for a limited time only, sign up for the annual version of Premium and get my cookbook and notebook signed and mailed directly to you. Link in the description and pinned comment below.

• 1:20Speaker 03

  Hey, my name's Pandora. I'm 27 years old and I live in Orange County, California, and you're watching Financial Audit.

• 1:28Caleb Hammer?

  That's such a pleasant intro. What a pleasant intro for what is probably, knowing this show, going to be a non-pleasant conversation. So, thank you for the slight bit of joy that I get to feel. Well, let's get into the pain. What do you do for a living?

• 1:43Speaker 03

  I recently just got two jobs, and I work in the beauty industry as a social media marketing manager, as well as like a digital marketing manager.

• 1:52Caleb Hammer?

  So two?

• 1:53Speaker 03

  Yes, it's two.

• 1:54Caleb Hammer?

  And these are separate?

• 1:55Speaker 03

  Yes.

• 1:55Caleb Hammer?

  Different companies?

• 1:56Speaker 03

  Yes. Technically, three, because one's like equity-based, but...

• 2:01Caleb Hammer?

  Is it for the same company or different companies?

• 2:03Speaker 03

  All three are different companies.

• 2:04Caleb Hammer?

  Well, what's the other? What's the equity-based one?

• 2:07Speaker 03

  Cosmetics. They're all cosmetics.

• 2:10Caleb Hammer?

  What's the job?

• 2:11Speaker 03

  Uh, one is a influencer.

• 2:13Caleb Hammer?

  No, the, the, the equity one.

• 2:15Speaker 03

  Yeah, that's what I'm saying. I don't, I'm not paid. I'm paid in equity.

• 2:19Caleb Hammer?

  What's the job?

• 2:20Speaker 03

  I'm a social media manager.

• 2:22Caleb Hammer?

  Okay, so two social media managers and one brand manager, is that what I heard?

• 2:25Speaker 03

  Yes. My official, okay, let me give you my official titles because it's a little confusing.

• 2:30Caleb Hammer?

  And the joy is immediately gone.

• 2:32Speaker 03

  One is a social media manager and influencer manager.

• 2:36Caleb Hammer?

  Cool, let's start with that one. How many hours a week?

• 2:39Speaker 03

  Thirty, minimum, but I go up to like sixty.

• 2:42Caleb Hammer?

  What do you make?

• 2:43Speaker 03

  Zero.

• 2:45Caleb Hammer?

  Is that the equity one?

• 2:46Speaker 03

  Yes.

• 2:47Caleb Hammer?

  What's your equity?

• 2:48Speaker 03

  I'm not allowed to just say necessarily.

• 2:51Caleb Hammer?

  Can you give me a range?

• 2:54Speaker 03

  Five digits.

• 2:57Caleb Hammer?

  Uh, no, that's what it's worth. Is it a publicly traded company?

• 3:01Speaker 03

  Not yet.

• 3:02Caleb Hammer?

  Okay, so that, both, basically, but, no, no, like, like, you know, like, percentage wise? Like, no more than this percent.

• 3:09Speaker 03

  No more than twenty percent.

• 3:11Caleb Hammer?

  That would be insane for a social media manager. No more than twenty percent, better be like two percent.

• 3:17Speaker 03

  Well, they like really value all the work I put in because it really extends.

• 3:21Caleb Hammer?

  Their stock. Okay, and this other job. Uh, let's start with number two.

• 3:27Speaker 03

  Number two, I am a social media manager, more for community engagement.

• 3:32Caleb Hammer?

  How many hours?

• 3:34Speaker 03

  Minimum ten. And they have asked me, are you comfortable with exceeding that? And I said, yes.

• 3:44Caleb Hammer?

  What do you make in that job, that barely hobby of a job?

• 3:48Speaker 03

  Thirty dollars an hour.

• 3:49Caleb Hammer?

  Yeah, but ten hours a week.

• 3:53Speaker 03

  It pays my car payment and I'm okay with that because I need.

• 3:58Caleb Hammer?

  That our minimum acceptance and achieving the survival of life, okay, sure. Okay, so five hundred dollars a week with that one, before taxes, I'm not sure, I'm, I'm sure there's not much with it, but. Third job.

• 4:13Speaker 03

  Third job, I am the lead project manager for multiple accounts.

• 4:19Caleb Hammer?

  Uh, sounds exciting. Let's hear how it's not. How many hours a week are you working?

• 4:24Speaker 03

  Twenty hours minimum.

• 4:25Caleb Hammer?

  There it is.

• 4:26Speaker 03

  Thirty-five dollars an hour.

• 4:29Caleb Hammer?

  How many hours a week do you work? You keep giving your minimum, which is great, but how many hours a week do you work?

• 4:34Speaker 03

  I just got signed on like two days before this, so it's starting at 20 hours.

• 4:42Caleb Hammer?

  Okay, 35 an hour?

• 4:43Speaker 03

  Mm-hmm.

• 4:44Caleb Hammer?

  And you manage accounts, but there's no commission, no retention commission, no signing people up commission? It's just flat?

• 4:49Speaker 03

  It's a flat, and the reason why it's flat is because that's not in my remit to onboard. It's just to help the process of bringing an idea to execution.

• 4:59Caleb Hammer?

  Okay, so I'm gonna assume not much is taken out in terms of taxes, but of the 1,200 that hits on a weekly basis, say you walk away with a...

• 5:07Speaker 03

  Well, hold on. No, this is also being funneled into my LLC, and it's an S corp, so I'm taxless.

• 5:14Caleb Hammer?

  Is there contracting positions?

• 5:14Speaker 03

  Yes, everything's contract.

• 5:17Caleb Hammer?

  Oh, for fuck's sake, are you setting an adequate amount aside for taxes? For fuck's sake, what is wrong with everyone? What is wrong with everyone? What? Why? Just why?

• 5:27Speaker 03

  I haven't had the chance because I haven't started these jobs.

• 5:30Caleb Hammer?

  Wait, you haven't got, you haven't started the 10 hours a week job yet either?

• 5:34Speaker 03

  I just started it yesterday.

• 5:36Caleb Hammer?

  What were you doing until a couple of fucking weeks ago?

• 5:40Speaker 03

  I did not, I didn't have a job. I just resigned from a huge position.

• 5:46Caleb Hammer?

  When?

• 5:47Speaker 03

  In February.

• 5:48Caleb Hammer?

  What was the position?

• 5:49Speaker 03

  Digital and social media manager.

• 5:51Caleb Hammer?

  How many, what were you making there?

• 5:53Speaker 03

  A hundred thousand dollars.

• 5:57Caleb Hammer?

  And you resigned?

• 5:58Speaker 03

  Yes.

• 6:03Speaker 03

  I had to. I was in the position where I resigned for, and I chose my mental health. That's what I did because I had been there for seven years.

• 6:11Caleb Hammer?

  Will your mental health be better if you're fucking homeless? Because here's the thing, I'm good with leaving a job, but you gotta have something lined up or a very chunky extra emergency fund to give yourself the room.

• 6:21Speaker 03

  I did, I did.

• 6:22Caleb Hammer?

  When you say did, does that mean did as in it's gone? 10,000, you, I'm sorry.

• 6:28Speaker 03

  I had so much money saved.

• 6:29Caleb Hammer?

  That is not, listen, that is, what? What's your, what, what do you need to make? What, what's your minimum expenses, everything together?

• 6:37Speaker 03

  A lot.

• 6:38Caleb Hammer?

  For some, yeah. How much on a monthly basis? Do you even know? Do you even know? You probably don't even know. Do you know? I bet you don't know.

• 6:44Speaker 03

  No, it was close to like thirty two hundred in monthly baseline expenses.

• 6:48Caleb Hammer?

  Okay, so you have like a three month emergency fund.

• 6:51Speaker 03

  Yes.

• 6:51Caleb Hammer?

  That's your extra, super duper chunky emergency fund? Fuck you. Like, that's not. Six months is what we go for minimum. And I was gonna suggest if you're just gonna leave a job without something lined up, twelve months, so you give yourself six months to find something.

• 7:01Speaker 03

  Yeah, but if you were in my shoes, you would have been like, I'm choosing myself. I'm not, I'm done.

• 7:06Caleb Hammer?

  That is a part of yourself, though. I, I agree. I agree. If a job is not working, if you, it does not agree with you, leave.

• 7:13Speaker 03

  That's what I did.

• 7:15Caleb Hammer?

  With the caveat.

• 7:17Speaker 03

  No.

• 7:17Caleb Hammer?

  Have something lined up, because you're gonna fuck yourself. And then your mental health's really not gonna be good when you can't pay rent and you have all these fees, or you get evicted, or a car gets repo'd.

• 7:29Speaker 03

  I was willing to take the fucking risk.

• 7:32Caleb Hammer?

  Well, you took the risk and now you're on this show, which means things are not going well. It means choosing yourself is fucking yourself. Because we really don't allow people on that aren't in that position.

• 7:40Speaker 03

  Yeah. But at the same time, like, I am so much happier as a person than to...

• 7:46Caleb Hammer?

  That's how you lose the roof. Well, you have jobs now, but I'm assuming you've drained through that ten.

• 7:53Speaker 03

  Yeah. I'm at like three thousand now.

• 7:56Caleb Hammer?

  So what now?

• 7:58Speaker 03

  Three thousand, thirty six hundred, thirty seven hundred?

• 8:02Caleb Hammer?

  We'll see.

• 8:05Caleb Hammer?

  What's the plan? What the fuck is going on? Or, no, I think I know what's going on. Why are you here? What's your intention?

• 8:14Speaker 03

  I am a recovering shopaholic, and to be truthfully honest, like painfully honest, I am afraid of what damage I could do in my life, and so I...

• 8:27Caleb Hammer?

  What do you mean?

• 8:28Speaker 03

  I have these...

• 8:29Caleb Hammer?

  Damage?

• 8:30Speaker 03

  Yeah, like, I have these crazy impulses and financial, like shopping impulses.

• 8:36Caleb Hammer?

  Play-Doh lipstick?

• 8:37Speaker 03

  That's mean. That's mean. And these were gifted.

• 8:41Caleb Hammer?

  I hope so. You're unemployed.

• 8:43Speaker 03

  I'm employed now.

• 8:45Caleb Hammer?

  Okay, keep going.

• 8:48Speaker 03

  So I am just like naturally just afraid of what I damage I could do because I will get in these mental positions where I'm like, fuck it, like, I'm gonna go do what I want to do because I want this, I want this now, and then-

• 9:01Caleb Hammer?

  How often does this happen?

• 9:04Speaker 03

  Not that often right now.

• 9:07Caleb Hammer?

  How often does this happen?

• 9:09Speaker 03

  When I had that six-figure job, a lot.

• 9:13Caleb Hammer?

  So now that money's coming back in?

• 9:15Speaker 03

  I'm getting it.

• 9:15Caleb Hammer?

  It is more like, oh, this is like pent up to at this point?

• 9:19Speaker 03

  No, no.

• 9:20Caleb Hammer?

  Oh, come on.

• 9:21Speaker 03

  I have, I have-

• 9:22Caleb Hammer?

  Okay, how often will you're making six figures?

• 9:25Speaker 03

  At least once a month. Just like-

• 9:27Caleb Hammer?

  And what does that look like to you?

• 9:30Speaker 03

  Like a thousand dollars I would just like dump out.

• 9:33Caleb Hammer?

  Twelve thousand dollars a year, you made a hundred thousand dollars before taxes, so you're spending probably close to maybe like 20% of your net income on just shopping sprees?

• 9:42Speaker 03

  But it's not like just clothes, it's going out, it's being with friends, it's eating.

• 9:47Caleb Hammer?

  Which we can budget in if we don't have debt, but we know you have debt, you just bragged about being able to make your car payment.

• 9:52Speaker 03

  Yeah.

• 9:52Caleb Hammer?

  So...

• 9:56Speaker 03

  I felt at that time I had the financial freedom and I-

• 10:00Caleb Hammer?

  Felt?

• 10:00Speaker 03

  Yeah. For my lifestyle and for my needs and my expenses, like, I had some extra to spend, but I-

• 10:07Caleb Hammer?

  Did you have bad debt?

• 10:09Speaker 03

  In like my car, but that's it.

• 10:11Caleb Hammer?

  That was it? So the credit cards have built up since leaving?

• 10:15Speaker 03

  Only a little, only a little, only-

• 10:17Caleb Hammer?

  Come on, you've got credit card debt.

• 10:19Speaker 03

  Barely, like, I mean-

• 10:20Caleb Hammer?

  Barely? You have no respect for money then, thousands is not barely still.

• 10:25Speaker 03

  I don't, but I do have respect for...

• 10:31Speaker 03

  Uh, like, some stuff, I guess, I don't know.

• 10:35Caleb Hammer?

  In what?

• 10:35Speaker 03

  I have respect for like, you know, I shouldn't say respect, I am mindful, I am mindful when it comes to like spending in certain areas.

• 10:44Caleb Hammer?

  What do you mean? You say shopaholic, you cannot control it when you go.

• 10:48Speaker 03

  I can control it.

• 10:49Caleb Hammer?

  Then stop fucking chappaholicing.

• 10:51Speaker 03

  But before, like, I am trying to keep it together now, but in my past, I was fucking bonkers.

• 10:58Caleb Hammer?

  And then you didn't have a job and maybe you were able to manage it better. But now you're gonna see income coming in again, which means you're probably gonna fall back to not being able to control.

• 11:05Speaker 03

  That's why I'm here is because that income is coming in, it's much less than that six-figure job.

• 11:10Caleb Hammer?

  And you're not even gonna set anything aside for taxes. You're gonna see that as spending money.

• 11:14Speaker 03

  I have to. I know I have to.

• 11:14Caleb Hammer?

  I agree, you have to. Trust me.

• 11:16Speaker 03

  I have QuickBooks to help me with.

• 11:18Caleb Hammer?

  Seeing the position of this show, that doesn't mean you will.

• 11:21Speaker 03

  I will do it. I am confident in that. Like, and that's where I just need the hard lesson of just like, you need to do X, Y, and Z. I can't keep relying on friends and family to be like, you should do this, you should do that. Because I get nowhere and I get so lost in the mix of opinions where if I have the hard lesson from someone who doesn't know me, but can be like, or Pandora, you're being being, and do this. I'm like, oh, okay. I can do that. But if my dad tells me, I'm like, whatever. Love you, Dad, but like.

• 11:54Caleb Hammer?

  So why are you in debt?

• 11:56Speaker 03

  Cause I make some bad choices.

• 11:58Caleb Hammer?

  But why? You just gave a whole fucking splurge that sounded relatively reasonable. At least compared to some other people on the show. So what the fuck are you talking about?

• 12:06Speaker 03

  I have impulses and I'm just scared.

• 12:09Caleb Hammer?

  What's your impulses? Cause you just said you were able to control them like a minute and a half ago.

• 12:14Speaker 03

  I have impulses at times and.

• 12:18Caleb Hammer?

  Go on.

• 12:19Speaker 03

  Like, just being a part of the moment. I'm very generous when I hang out with people. I hate when money is the obstacle of just with the group or if someone can't come hang out, I will foot the bill.

• 12:31Caleb Hammer?

  For months. Well, that's a pretty, that sounds, that sounds like, that sounds like an obstacle.

• 12:37Speaker 03

  I don't want money to be the obstacle for somebody else.

• 12:40Caleb Hammer?

  It is, though. If you have to cover them, that is an obstacle.

• 12:45Speaker 03

  But wouldn't-

• 12:46Caleb Hammer?

  When you don't make money.

• 12:48Speaker 03

  It's different, though. I feel like it's just different when I am, it's just like, I feel selfless. I'm trying to be selfless when it comes to like hanging out with my friends.

• 12:57Caleb Hammer?

  It's just dumb.

• 12:59Speaker 03

  I don't agree with you. It's not dumb.

• 13:01Caleb Hammer?

  You don't agree with me that it's not dumb? You're draining your emergency fund? You're draining your emergency fund and it's not dumb? What the are you talking about not dumb? That's the dumbest dude ever.

• 13:10Speaker 03

  If it means someone gets to hang out and have a good, like, for example,

• 13:12Caleb Hammer?

  That's an emergency.

• 13:13Speaker 03

  This past weekend, my partner's friends came up. They were visiting for the first time, my partner. My partner's friend, like, best friend.

• 13:21Caleb Hammer?

  Screams rainbow.

• 13:23Speaker 03

  No.

• 13:23Caleb Hammer?

  Oh, man?

• 13:25Speaker 03

  Yes.

• 13:25Caleb Hammer?

  Okay.

• 13:26Speaker 03

  Yes. I say partner, just, you know, just this-

• 13:28Caleb Hammer?

  Sure. Most women on the show are gay these days, so I don't know.

• 13:31Speaker 03

  Okay. Well, I'm not. And, um-

• 13:34Caleb Hammer?

  All right, don't be homophobic, that's all.

• 13:35Speaker 03

  I'm not homophobic, Caleb. But his best friend came up with his partner, or, yeah, who was also a woman, and, um-

• 13:44Caleb Hammer?

  His best friend's a woman?

• 13:46Speaker 03

  No. His best friend is a guy who brought up his girlfriend. It's their first time visiting us in our town.

• 13:53Caleb Hammer?

  Okay.

• 13:53Speaker 03

  And we took him out to breakfast. We showed him all around town and because, like, it was our vote of like, hey, let's go out for breakfast. I picked up the bill because, like, we ran a $200 tab on, you know, every, you know, breakfast item. And I was trying to be, like, welcoming and nice. Like, enjoy the moment. I want you to marinate.

• 14:12Caleb Hammer?

  No job. So that's an emergency?

• 14:14Speaker 03

  Yes. I'm a nice person and I want people to enjoy their time with me. I don't care if it's an emergency or not. I know money will come in.

• 14:23Caleb Hammer?

  That's not how that works. That's not true for everybody.

• 14:26Speaker 03

  I already knew I had two jobs coming in.

• 14:29Caleb Hammer?

  Coming in? They wasn't coming in yet. You're still draining your emergency fund.

• 14:33Speaker 03

  I don't care. I, I-

• 14:34Caleb Hammer?

  You don't care?

• 14:35Speaker 03

  I don't care.

• 14:36Caleb Hammer?

  Then what the are we doing?

• 14:37Speaker 03

  If it meant that person had a good time and they enjoyed, they ate, they're happy, they're-

• 14:44Caleb Hammer?

  Our straight partner's best friend's partner. That's the person we're draining our emergency fund from? This is so your car breaks down. What if your car broke down while you're unemployed?

• 14:54Speaker 03

  I would have the money because I had the emergency fund, but-

• 14:57Caleb Hammer?

  Yes, unless you didn't because you drained it down to three in two months from 10.

• 15:01Speaker 03

  I need you to listen to me. Like this-

• 15:03Caleb Hammer?

  That's the numbers. Is that not the numbers?

• 15:06Speaker 03

  I don't care if it's the numbers. What I care about is the experience with my friends and the people. And like you can't tell me you wouldn't have been generous if you were making the same amount of money that I was.

• 15:16Caleb Hammer?

  Survival mode.

• 15:17Speaker 03

  I wasn't in survival mode.

• 15:19Caleb Hammer?

  You should have been. You were unemployed.

• 15:21Speaker 03

  I know my baseline expenses. I know how big my emergency fund was.

• 15:24Caleb Hammer?

  Yeah, 3,000.

• 15:26Speaker 03

  No, my emergency fund was over 10,000.

• 15:28Caleb Hammer?

  It was this last weekend, he said.

• 15:29Speaker 03

  Yes, okay, it went down, whatever. But my point is, my point is, is like, people got to have a good time. They got to not think about the money. We all went out to breakfast.

• 15:39Caleb Hammer?

  What?

• 15:40Speaker 03

  Aren't you like for the experience?

• 15:42Caleb Hammer?

  I am, and I have a job. I can budget it. I put-

• 15:45Speaker 00

  At Edward Jones, we believe rich is more than caring about the latest and greatest. It's also taking care of what gives your life meaning. That's why your dedicated financial advisor meets you where you are with personalized financial strategies that help protect what matters. So you can preserve your progress while creating a path forward. The key to being rich is knowing what counts. Let's find your rich together. Edward Jones. Member SIPC.

• 16:15Caleb Hammer?

  And then the budget, I don't drain my emergency fund.

• 16:17Speaker 03

  The money will come back.

• 16:18Caleb Hammer?

  That's not how it works all the time.

• 16:21Speaker 03

  All of my finances that whole month were paid. Everything was fine. I was okay with allocating the $200 from that emergency fund to them.

• 16:31Caleb Hammer?

  What if you did?

• 16:32Speaker 03

  But it was okay to them.

• 16:34Caleb Hammer?

  What? It was okay to them? Great, good for them. I'm thrilled.

• 16:37Speaker 03

  It was okay for me, for them to spend money on them.

• 16:40Caleb Hammer?

  Because you got lucky. Because you got lucky. No emergency happened. If it did and it was more than 3,000.

• 16:47Speaker 03

  Then maybe we shouldn't call it an emergency fund. Maybe we should call it the fall fund. I don't care.

• 16:51Caleb Hammer?

  But that's not what it is. That's not what it is.

• 16:54Speaker 03

  That's what it is to me. It's not an emergency fund.

• 16:57Caleb Hammer?

  Like fucking have it on.

• 16:58Speaker 03

  I don't care at this point. Like they had got to have a good time. I enjoyed myself. I enjoyed their company.

• 17:04Caleb Hammer?

  Offensive for no reason. Okay. It's stupid. I get it. Could they not afford it?

• 17:08Speaker 03

  They might not have been able to. I don't know. One of the, the girl was from Vietnam. She wasn't, she was visiting with him because they met in Vietnam.

• 17:18Caleb Hammer?

  Okay. Good for, good for that. So they took her in for breakfast?

• 17:20Speaker 03

  I don't know their financials. And so I had offered because I know my financials and I could, I could extend the $200.

• 17:27Caleb Hammer?

  Vietnam.

• 17:28Speaker 03

  Well, I don't know how expensive or how, what it is. It's none of my business. I don't care. What I cared about was the moment.

• 17:34Caleb Hammer?

  You had an emergency fund and now you barely do. You didn't even have enough of emergency fund to quit your job.

• 17:41Speaker 03

  Well, yeah, but I, at the end of the day, like I just.

• 17:45Caleb Hammer?

  She accepted that one at least.

• 17:48Speaker 03

  I just wanted them to have a good time and not.

• 17:52Caleb Hammer?

  I know what you wanted. I am not against the heart of it. I'm not against the want. It is bad for you. You got lucky. And you still haven't had pay and you won't get paid for a couple of weeks.

• 18:02Speaker 03

  No, I'm submitting my invoices tomorrow. And they already like they, they said like, please submit, we'll pay you for the month. Like I, I'm sorry, not tomorrow. I, I submit it for May.

• 18:11Caleb Hammer?

  Yesterday was like your first day.

• 18:13Speaker 03

  Yeah. Yeah.

• 18:14Caleb Hammer?

  The fuck are you talking about? So you're barely going to get, you'll get paid like $5. Woo.

• 18:19Speaker 03

  It's not $5. It's like $300 for one job for a week and then like.

• 18:23Caleb Hammer?

  You just started.

• 18:25Speaker 03

  I know, but like I'm submitting my May invoice.

• 18:29Caleb Hammer?

  Oh, you get paid in advance?

• 18:31Speaker 03

  Yeah. Like just for the scenario of like when they onboarded me and when I started. Like I'll tack those extra days of the end of this month to that invoice and then include that month in advance.

• 18:43Caleb Hammer?

  The money hit?

• 18:44Speaker 03

  Uh, I have a net 15 on all of my invoices. So within that bracket, when I send it.

• 18:52Caleb Hammer?

  When does it hit?

• 18:54Speaker 03

  I don't know.

• 18:56Caleb Hammer?

  So you might be draining your emergency fund even more. And that's the thing is you're spending it on someone else's some Vietnamese breakfast. Okay, great.

• 19:04Speaker 03

  It's not a Vietnamese breakfast. We went to a normal breakfast place. She's just from Vietnam. She was cool and like it was her first time in the United States. So I just wanted to, you know, make her feel special and, you know, take care of her a little bit.

• 19:19Caleb Hammer?

  I'm not against the hard part. I just, I don't think you understand the importance of an emergency fund and the risk of it not being there. Such as since you have a partner, well, how long have you guys been together?

• 19:33Speaker 03

  Two years. We've been together two years.

• 19:35Caleb Hammer?

  Relying on each other?

• 19:36Speaker 03

  Not financially, no.

• 19:37Caleb Hammer?

  Okay.

• 19:38Speaker 03

  We have everything separate.

• 19:39Caleb Hammer?

  Well, guess what? He probably would have stood up and helped you if you drained it all the way to zero. Meaning you're honestly just letting him be your safety net.

• 19:47Speaker 03

  Uh, I don't rely on him.

• 19:49Caleb Hammer?

  Not rely, but what would happen?

• 19:51Speaker 03

  Financial, no, I would never ask him.

• 19:53Caleb Hammer?

  Really? If you had no money, couldn't pay rent, were about to get evicted, he would not help with, even without you asking.

• 19:58Speaker 03

  He would.

• 19:59Caleb Hammer?

  Exactly. So there's that little safety net there.

• 20:02Speaker 03

  But I would never.

• 20:03Caleb Hammer?

  And that's a lot when you're to [__] around.

• 20:04Speaker 03

  No, this is where I would not ever think about a safety net coming from him in our relationship.

• 20:11Caleb Hammer?

  But he would. You have that extra support system. And you're just able to [__] around and buy.

• 20:21Speaker 03

  I wouldn't ever rely on him though, in that respect.

• 20:23Caleb Hammer?

  No, you're not asking, but you know it's there.

• 20:25Speaker 03

  But in the same sense, like in, with all due respect to him, like he doesn't necessarily know about all of my finances and everything that's going on. So I don't.

• 20:34Caleb Hammer?

  What the [__] does he know? You guys have been dating for two years. Why isn't there any communication? You guys gonna get married? Wait, you guys don't even talk?

• 20:40Speaker 03

  No, we do talk, like we talk some about finances, but I don't, I would never share with them like, hey, I'm at rock bottom. Come save me or say, hey, I'm at rock bottom. Just wanted to let you know, but don't do anything about it.

• 20:51Caleb Hammer?

  So he would allow you to get kicked out on the street?

• 20:53Speaker 03

  No, he would watch me grind my ass off. Huh?

• 20:57Caleb Hammer?

  Are you guys gonna live together soon?

• 20:58Speaker 03

  We do.

• 20:59Caleb Hammer?

  Oh, so there's a safety net. He'd cover rent.

• 21:02Speaker 03

  No, he wouldn't. I would never let that happen. Not in a million years. I would never let that. I would run to my father. I would run to family members.

• 21:10Caleb Hammer?

  More support, more support.

• 21:11Speaker 03

  I would run and pull out of my ass before ever looking to him and saying, can I have some of your money? I am not that person in my relationship.

• 21:20Caleb Hammer?

  But you would take from others.

• 21:21Speaker 03

  I, well, I know that my dad would understand my position and I know he would.

• 21:27Caleb Hammer?

  Your position is you decided to have fun while you were unemployed. You were fun employed.

• 21:30Speaker 03

  I'm not having like all this fun, blowing my emergency fund on just random bullshit all the time.

• 21:35Caleb Hammer?

  I have your statements.

• 21:38Speaker 03

  I'm not doing it all the time.

• 21:40Caleb Hammer?

  You were not employed during these statements. I have your statements. You can't get out of a fucking lie.

• 21:47Speaker 03

  I'm not.

• 21:47Caleb Hammer?

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• 22:30Caleb Hammer?

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• 22:57Speaker 03

  That's the one thing. Don't, I'm not a fucking liar. I am not a fucking liar. And you know what? There is one other income I did not talk about.

• 23:06Caleb Hammer?

  A fourth income? This lady's $1,000 last month.

• 23:12Speaker 03

  I, in that time, in that time, I was also working for an Only Model and doing her social media management.

• 23:20Caleb Hammer?

  What, you were DMing? You were being the DMer?

• 23:22Speaker 03

  Not entirely, not like past this.

• 23:24Caleb Hammer?

  Reposting tits?

• 23:25Speaker 03

  No, I was using her accounts for like, or I was posting on her like Instagram and TikTok. Of course, it was like fully clothed, it wasn't nudity, but she was giving like sex tips and stuff, but um, when the account started, it didn't take off as fast as the agency was hoping and so they uh, pretty much discontinued it, but I never really had any people going like here's.

• 23:47Caleb Hammer?

  When'd you do this? How much did you make? How long?

• 23:50Speaker 03

  March, for three weeks, and I made $250. And I have not gotten paid yet.

• 23:57Caleb Hammer?

  So, $1,000 in mislabeled spending, $615 of going out to eat spending. Yeah, you're a liar.

• 24:05Speaker 03

  I'm not a liar.

• 24:07Caleb Hammer?

  The numbers are the numbers.

• 24:09Speaker 03

  I'm not a liar.

• 24:10Caleb Hammer?

  It was a lie. What do liars do? They lie. Or you're ignorant?

• 24:16Speaker 03

  I'd rather be ignorant, but I'm not a goddamn liar.

• 24:18Caleb Hammer?

  Well, you'd rather be ignorant, but I don't know which one yet. You spent minimum $1,615, minimum, we have more to go through, way more, on both, straight up, both things that do not just go out in both. $1,615, we know that when you were making zero, or at the best, $250 for an entire month. Not draining your emergency fund of bull, that's bull, that's a lie. That's a lie.

• 24:52Caleb Hammer?

  And you need to recognize it!

• 24:54Speaker 03

  You know what? I will, I will own my mistakes, but this is.

• 24:59Caleb Hammer?

  There it is, there, there they are.

• 25:00Speaker 03

  This is what I'm talking about.

• 25:01Caleb Hammer?

  Hey lady, here they are, those are the mistakes, and your mistake was you lied.

• 25:05Speaker 03

  Whatever. I'm not a liar.

• 25:08Caleb Hammer?

  Then why'd you lie?

• 25:09Speaker 03

  I'm not a liar.

• 25:10Caleb Hammer?

  But why'd you lie?

• 25:12Speaker 03

  I'm ignorant. I would choose ignorance.

• 25:15Caleb Hammer?

  So you didn't know that you were going out swipe swipe swipe swipe swipe swipe while you're unemployed? You had no idea a month ago?

• 25:21Speaker 03

  I knew what I was.

• 25:22Caleb Hammer?

  A month ago. Okay, so you weren't ignorant. So you were lying.

• 25:25Speaker 03

  I would, I'm not.

• 25:27Caleb Hammer?

  So you were lying. You told me you were not doing anything and sending all this money on fun and draining your emergency fund with that. Ooh, but you did.

• 25:35Speaker 03

  There's some things that I would like, yeah, okay, you know what? I'll meet you in the middle. There are some things I would splurge on, a few hundred bucks here and there.

• 25:42Caleb Hammer?

  So she's changing her statement?

• 25:45Speaker 03

  That I would, yes, I am changing my statement. I do acknowledge.

• 25:48Caleb Hammer?

  Because you.

• 25:50Speaker 03

  Spent money knowing that I did not have income. However, there is a moment in time where like I had worked my fucking ass off for seven years.

• 26:01Caleb Hammer?

  At that company that you left?

• 26:02Speaker 03

  No vacation. No vacation for seven years. I gave them tears, sweat and I'm like, could get emotional over it.

• 26:10Caleb Hammer?

  Dude, it just sounds like you're fucking working. I don't.

• 26:12Speaker 03

  No, it's so much deeper than that. And I gave them my everything.

• 26:17Caleb Hammer?

  I respect the grind. I don't, but I don't like fucking jerk people off over them. I'm sorry.

• 26:21Speaker 03

  Yeah.

• 26:21Caleb Hammer?

  It's like you didn't take a vacation. A lot of people don't take vacations when they're in.

• 26:24Speaker 03

  Here's the thing. I did take vacations, but they never let you take vacations because they'd call you, they'd text you, they, hey, you know, Pandora, we need X, Y, and Z. We need this.

• 26:32Caleb Hammer?

  Was it a small business?

• 26:36Speaker 03

  Not, I mean, yes and no.

• 26:38Caleb Hammer?

  How many employees?

• 26:40Speaker 03

  Ten.

• 26:41Caleb Hammer?

  It's really hard because that means you are likely an individual contributor. And even though, yes, we want you to take a vacation and we want that. If you're gone for a week, that lightly can shut a lot of things down. Now it's management's responsibility to try to find a way around it to disturb you less. But in a situation like that in a small business, it is harder. I get it. I get it as the person who runs this small business and our business is larger than that. And it's when someone takes time off and we want them to, it is still difficult that maybe something didn't happen. Maybe it wasn't fully prepared and a DM is required.

• 27:15Speaker 03

  Yeah.

• 27:15Caleb Hammer?

  Whether or not you want to.

• 27:17Speaker 03

  And here's the thing in all of it, too. There was a period in time in that seven years where I was OK with being that resourceful person and being, you know, reachable and I had, you know, there was times where I had reassured.

• 27:28Caleb Hammer?

  Why are you crying about it? You were grinding. We all grinded at a job for a while.

• 27:31Speaker 03

  Well, because there's some trauma in it and there was some, there's a lot of stuff in it that's like on the emotional side, but in terms of just the hierarchy of everything, I grinded my ass off for this one business for seven years. I left abruptly and so for the first time in two months that I had no job, I f***ed off and did whatever I wanted to do. And I don't say that.

• 27:53Caleb Hammer?

  But then you have to budget for that. And also, and also, and also, you told me that's literally what you didn't do.

• 28:01Caleb Hammer?

  And also, you told me that's literally what you didn't do. What, five minutes ago, 10 minutes ago? I don't know at this point. So it's like, OK, which one is it? Are we deciding? We're just trying to look good? What are we doing? So we need to have just a f***ing reasonable conversation here. I need to know where your brain is.

• 28:16Speaker 03

  I made mistakes in the two months that I did not have a job and that is the person that I am afraid of when I get, when I have these new jobs with these new incomes of letting that person bleed into.

• 28:29Caleb Hammer?

  Especially since you're not going to make as much.

• 28:31Speaker 03

  Yeah.

• 28:31Caleb Hammer?

  You're not going to make as much and you have to set 30% aside.

• 28:36Caleb Hammer?

  What are we talking? What was it? A thousand? No, no, no. OK.

• 28:38Speaker 03

  So $30 for 10 hours minimum right now, plus the 35 an hour for 20 hours minimum.

• 28:45Caleb Hammer?

  So 1,000? Did I get that? 35 times 20 plus 300, so 1,000 a week?

• 28:53Speaker 03

  Yes.

• 28:56Caleb Hammer?

  Times that by 52, divide that by 12, we're looking at 4,333, but after setting 30% aside, we're looking at making $3,033. Uh, not great for Orange County.

• 29:12Speaker 03

  That's why I'm here, because I want to restructure my finances, so I can

• 29:17Caleb Hammer?

  At a certain cost of living place, though, there is like a little that just like a budget can do. You can't live in Manhattan on 50,000 hours a year and a budget will just fix it. Like, you have to be in like a rent-controlled situation from like 50 years ago, or you have to like sleep with a rat. Or who knows, like, it's, or you just have to make more money, or you can't live in Manhattan. Like, I don't know if this is what situation this is.

• 29:39Speaker 03

  I do have to highlight that this is the minimum amount that I'll make every month, because I also have my own business where it's a marketing, social media, like, digital marketing, social media agency,

• 29:52Speaker 03

  that will bring in the additional, hopefully, income and potential clients. But I'm not relying on it. I'm not relying on it in this conversation.

• 29:59Caleb Hammer?

  Now that we know, if you're lying to anyone, you're lying to yourself, until you come around and say the actual truth, what did you spend your money on in between then and now?

• 30:10Speaker 03

  Um, in the last two months, part of that money has gone to the foundational stuff, but I think the most important to highlight is

• 30:19Caleb Hammer?

  What's foundational?

• 30:20Speaker 03

  Like rent and my car payment. But in the last two months, it had to go to an attorney, because I hired an attorney for a lawsuit that I had to be a part of.

• 30:30Caleb Hammer?

  For fucking what?

• 30:32Speaker 03

  I can't speak to it too much, but

• 30:34Caleb Hammer?

  It's ongoing?

• 30:35Speaker 03

  Uh, yes. It is. I mean, I'm not a part of it anymore. I was brought in as a witness, but there was

• 30:40Caleb Hammer?

  And you had to hire an attorney?

• 30:42Speaker 03

  Yes.

• 30:43Caleb Hammer?

  Yeah, better be safe than sorry. What did it cost?

• 30:46Speaker 03

  Six thousand dollars.

• 30:47Caleb Hammer?

  How'd you pay it to them?

• 30:48Speaker 03

  A firm.

• 30:49Caleb Hammer?

  Oh, you fucking affirmed a lawyer to be a witness? Oh, for fuck's sake.

• 30:56Speaker 03

  I had to, because there was not only just a witness, I had like him overview a lot of contracts to make sure

• 31:03Caleb Hammer?

  So this is for work?

• 31:04Speaker 03

  Yeah.

• 31:06Caleb Hammer?

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• 31:46Speaker 03

  Not me. Not me, but I was worried I was gonna get in trouble. And so I hired the attorney because I needed a third party attorney.

• 31:54Caleb Hammer?

  Potentially this place was a good place to leave and I support that. Spend a little time grinding. You already did it for seven years. Call six months more. Save up more money and then leave or apply to jobs like it's your second full-time job in life. When you get an income, even if it's less of an income, that is okay.

• 32:09Speaker 03

  Caleb, I couldn't. I had, I, I felt, not that I had, I felt that it was in my best interest and for my future and my mental health that I needed to get out now, get a goddamn attorney to protect myself.

• 32:23Caleb Hammer?

  Couldn't you save up more money in the seven years you were there then? You only had three months set aside.

• 32:27Speaker 03

  Because I spent a ton of money from bad habits and I-

• 32:31Caleb Hammer?

  Action has consequences and then you're dealing with them.

• 32:34Speaker 03

  I want to grow as a person. That's why I'm here because I'm scared of that.

• 32:38Caleb Hammer?

  Stop with the, "That's why I'm here." Such an annoying trope. I'm not, like, I am right now trying to get to know you, trying to get where your mind is at. That helps us as we go through the financial situation. I'll get you a budget. I'll give you some tips. I will set you up with all the resources we can. I'll put you all through our classes. You get the premium version of the budget app, therapy with Sondre Mine. We'll do anything. We'll do anything. I got that. I cannot fix your absolute you though.

• 33:05Speaker 03

  Yes.

• 33:05Caleb Hammer?

  I can't fix that. I am not a therapist. I can maybe readjust your mindset and things.

• 33:09Speaker 03

  I just need to be called on it because I will lie to myself as you've seen through this little tidbit is like-

• 33:16Caleb Hammer?

  If you recognize it, why can't, why aren't you, why aren't you doing anything to fix it? When I recognize flaws, I try to do something.

• 33:21Speaker 03

  I did and then I had this income come in and then I blindsided myself. No, no, no, like this six-figure job.

• 33:27Caleb Hammer?

  Yeah, but that's for the last seven years.

• 33:30Speaker 03

  Yeah, but it kept growing over the last seven years and like

• 33:34Caleb Hammer?

  You couldn't adjust in seven years?

• 33:36Speaker 03

  My expenses never changed, like my foundation.

• 33:39Caleb Hammer?

  You could not adjust anything.

• 33:40Speaker 03

  I did. I used to be much worse. I used to be a fricking monster spender. Like, we're talking forty, up plus forty thousand dollars in credit card debt. I don't have that now. I've changed in that regard of like hyper spending and or a hyper focused spend.

• 33:57Caleb Hammer?

  Paycheck to paycheck now?

• 33:59Speaker 03

  No, absolutely not. I will be probably after we go through the numbers and the new budget with this income, pretty damn close.

• 34:10Caleb Hammer?

  All right. Well, where do you think you are in the world of your finances? Zero to ten, zero being the worst, ten being the best?

• 34:18Speaker 03

  Five.

• 34:20Caleb Hammer?

  How the five? You're draining your emergency fund.

• 34:24Speaker 03

  Financial score?

• 34:25Caleb Hammer?

  When'd you take it?

• 34:26Speaker 03

  Two months, a month ago, like when I applied, I was a nine. And I was like, there's no fucking way in hell.

• 34:33Caleb Hammer?

  Correctly?

• 34:34Speaker 03

  That's what I was asking.

• 34:35Caleb Hammer?

  Own a house?

• 34:36Speaker 03

  No.

• 34:36Caleb Hammer?

  You wouldn't have been a nine.

• 34:38Speaker 03

  Well, that's why I was like, is it nine out of fifty? And like, I don't know if I read it wrong, I put something wrong.

• 34:43Caleb Hammer?

  You probably didn't get to the final score. It was probably nine out of fifty. You probably saw that part. You're probably a two. Guys, if you want your Hammer Financial Score, take the assessment, figure out where you are in the world of finances at CalebHammer.com or head on down to the link in the description below. Also, make sure you download my budget app, guys. Thousands of people are taking, taking advantage of it on a daily basis, new people. And they are signing up for it. They are changing their lives. And remember, when you sign up for the annual version of premium, I will send you the cookbook where you can't get it anywhere else. I will sign it and I will send it directly to your doorstep. All right. And if you want to be on the show, make sure you apply at CalebHammer.com/apply.

• 35:24Caleb Hammer?

  All right, let's go into the numbers.

• 35:32Caleb Hammer?

  What the

• 35:34Caleb Hammer?

  the am I looking at? Camera? Can you tell me what the am I looking at? New camera, new angle. Tell me. The there's nothing here, there's not a balance, is this a debt?

• 35:45Speaker 03

  What are you, I don't know which statement you're looking at.

• 35:48Caleb Hammer?

  I don't know either, because it is not a statement, it's not a screenshot. Like a meme.

• 35:53Speaker 03

  Oh, this is the recent one, this is my Delta American Express.

• 35:58Caleb Hammer?

  Spinning down like fucking crazy, spinning down like fucking crazy.

• 36:04Caleb Hammer?

  Okay. It's your Amex.

• 36:07Speaker 03

  Mm hmm.

• 36:08Caleb Hammer?

  It's a balance.

• 36:10Speaker 03

  Right now? Around like 5,000?

• 36:14Caleb Hammer?

  300.

• 36:15Speaker 00

  At Edward Jones, we believe rich is more than caring about the latest and greatest. It's also taking care of what gives your life meaning. That's why your dedicated financial advisor meets you where you are with personalized financial strategies that help protect what matters so you can preserve your progress while creating a path forward. The key to being rich is knowing what counts. Let's find your rich together. Edward Jones, member SIPC.

• 36:44Caleb Hammer?

  Thousand in emergency funds, no, actually not. It's really 2,000, for sake.

• 36:49Speaker 03

  But that's where I do have to disclose my attorney fee. Because I did not think I was going to get called into the actual hearing.

• 36:57Caleb Hammer?

  But you affirmed that, not American Express.

• 36:59Speaker 03

  Well, no, no, no, there's a 5,000 a firm retainer that I had to do to hold him for like all of my contract revisions, all of that stuff. And then I didn't think I was going to get called in as a witness because I was just subpoenaed to be a part of a deposition. And so he had to attend. And

• 37:17Speaker 03

  when they said, oh, no, you're going to be a witness in this, I had to pay extra to have him attend.

• 37:22Caleb Hammer?

  How much?

• 37:25Speaker 03

  Um, I believe it's now 2,200.

• 37:29Caleb Hammer?

  So the question is, one, that's only half. But the question is, if you had to put $2,500 on a thing when you only have $3,000 in an emergency fund, no fucking income, no idea when the income's gonna be coming in. Hey, let me continue. You don't even know, and you have to be able to pay rent, but that's about to be drained by the time you get paid again. Okay, great, great, great. But we have a credit card. That's really only we have $500 now because $2,500 on a credit card, $3,000 on an emergency fund, payments coming, whatever. I don't know, but we gotta do our expenses. So what do we decide to do? What do we decide to do? We double it to 5,000? In what world does that make sense? How do you double to 5,000? Fucking brewing. Let's go get fucked up. Fucking brewing. Mid journey. We're paying for fucking mid journey. Liberty Sports Bar, Stellar Brew. All we do is get drunk and fucked up.

• 38:09Speaker 03

  No, Stellar Brew is a coffee place.

• 38:12Caleb Hammer?

  And then caffeinated the next morning.

• 38:14Speaker 03

  Well, that's different. That's different. Wait, wait, wait, wait.

• 38:16Caleb Hammer?

  Main Street Pizza, Edward Ward-Ryzen Restaurant.

• 38:20Speaker 03

  Two of those, two of those. Compassion.

• 38:22Caleb Hammer?

  Are you gonna justify it?

• 38:23Speaker 03

  Give me compassion on this one. Two of those, I took my friend out who just went through another court hearing. Not my girlfriend, like my friend. My girl, that's a friend. I'm not dating a woman. I took her out. She just went through court. She had to appear in court. She was a victim of domestic abuse. I can't. I was just helping. I was being a good friend. And then during the hearing, when we had a break, I took her out to coffee, helped her out there, got myself a little something. It was a fucking rough day.

• 38:50Caleb Hammer?

  Okay, so you can justify one thing out of a thousand.

• 38:53Speaker 03

  Two, two, at least the two.

• 38:54Caleb Hammer?

  Out of a thousand.

• 38:55Speaker 03

  I took her, we went to go get a drink after, and I was like, of course, everybody offered to pay, and I'm, you know, I just, I hate this. I don't hate it. I love being the person where it's just generous and just like helping out in the moment.

• 39:08Caleb Hammer?

  Cause that's also for yourself.

• 39:09Speaker 03

  I don't want to. I would rather bust my ass and work 10 different jobs.

• 39:15Caleb Hammer?

  There is a psychological argument that it says that, you know, a lot of the gift giving, a lot of stuff like that, the selflessness, a lot of it comes from selfish behavior, though, because it's making yourself feel good. It's not like you're doing a bad action, don't get me wrong, but at least recognize that it's because it makes you feel good that you're doing all this. But you're still hurting yourself.

• 39:34Speaker 03

  I, there's, that's, you hit the, honestly, like you hit the nail on the head of like self-harming that way.

• 39:41Caleb Hammer?

  Alright, well, hold on.

• 39:43Speaker 03

  That's the, not necessarily a core character trait of myself, I feel, but it has been a lingering demon in my closet.

• 39:50Caleb Hammer?

  You know what else is lingering? Distant brewing. Premium.

• 39:56Speaker 03

  That's for you.

• 39:57Caleb Hammer?

  Well, thank you. I appreciate it. The ads actually give me more money, but that's okay.

• 40:03Speaker 03

  Yeah, I do that.

• 40:04Caleb Hammer?

  Australia Hoff Restaurant. Distant Brewing. Membership. Is it ours?

• 40:11Speaker 03

  Yeah.

• 40:12Caleb Hammer?

  You have the membership to ours?

• 40:13Speaker 03

  Yeah.

• 40:15Caleb Hammer?

  Then this is the, okay, the battle. This is the mental battle I have. It's like, it's a business. It's good. But what just like.

• 40:22Speaker 03

  Well, I'm like a big fan of the show and like.

• 40:24Caleb Hammer?

  But you're fucking dying. You're dying, dude.

• 40:28Speaker 03

  I don't feel like I'm dying.

• 40:30Caleb Hammer?

  Adults should be able to decide what is best for them and we should be able to put out the products.

• 40:33Speaker 03

  I feel like, I don't know. I just, I don't.

• 40:36Caleb Hammer?

  You don't even subscribe to the good version. You subscribe to the poster version, which is fine, but the elite version has like so much more content.

• 40:41Speaker 03

  Well, I was telling your team earlier. I was like, I really wanted to subscribe, but like, I was worried that it was gonna be like a point of contention in our conversation.

• 40:48Caleb Hammer?

  But we had a free month.

• 40:50Speaker 03

  Oh, I didn't.

• 40:50Caleb Hammer?

  Remember a couple of months ago, we had a free month?

• 40:52Speaker 03

  Oh, I didn't.

• 40:53Caleb Hammer?

  Oh, for fuck's sake.

• 40:54Speaker 03

  I'm sorry.

• 40:55Caleb Hammer?

  That's okay. Athletic thing.

• 40:58Speaker 03

  That's my gym membership.

• 41:00Caleb Hammer?

  Stub hub, stop hub! $356, you what?

• 41:04Speaker 03

  It's for my boyfriend's birthday.

• 41:06Caleb Hammer?

  Your boyfriend's, his birthday?

• 41:08Speaker 03

  Because he deserves to be treated well on his birthday.

• 41:10Caleb Hammer?

  Good suckers.

• 41:12Speaker 03

  No.

• 41:13Caleb Hammer?

  Well, poor him.

• 41:14Speaker 03

  I don't like, I would, I wanna take him to Vegas for the first time. Like, he hasn't been to, he's like sick.

• 41:21Caleb Hammer?

  Vegas? What the fuck? You're an animal, point it!

• 41:25Speaker 03

  I don't care. If it means.

• 41:27Caleb Hammer?

  You don't care. You're a fan of the show and you don't care. Fuck you. That's what I say to the fan of the show. Fuck you.

• 41:32Speaker 03

  No.

• 41:34Caleb Hammer?

  You don't care. I care. I care. I want you to do well. You are a human being that exists. No?

• 41:40Speaker 03

  No. Why can't he have a go, like, have a good birthday?

• 41:44Caleb Hammer?

  Maybe his parents should pay for it. Maybe he can pay for it. Maybe he can get a job. Maybe he can make savings. Maybe he can stop fucking yourself.

• 41:50Speaker 03

  Who says I didn't say for it? Or that I'm not gonna say for it?

• 41:53Caleb Hammer?

  Able to enjoy his birthday by not doing something extravagant.

• 41:57Speaker 03

  It's not extreme or like, we're gonna go see a show.

• 42:00Caleb Hammer?

  In a different show, in a different city. Come on. It doesn't have to be that. Doesn't have to be that. Trust me.

• 42:06Speaker 03

  You should have seen my good last year.

• 42:07Caleb Hammer?

  As a fellow man, a back scratch. Boom. Birthday gift of the century.

• 42:12Speaker 03

  Well, you know what? I appreciate the feedback, but I would like to...

• 42:18Caleb Hammer?

  Especially since he doesn't know your finances, so.

• 42:21Speaker 03

  I would rather treat him to something great and an experience.

• 42:25Caleb Hammer?

  You're not gonna survive, and then you'll never be able to treat him again.

• 42:28Speaker 03

  That's not true.

• 42:29Caleb Hammer?

  They said you spent $7,000 on his birthday last year?

• 42:32Speaker 03

  No, that was my dad.

• 42:34Caleb Hammer?

  Wait, who? Wait, what? You spent $7,000 on your dad's?

• 42:37Speaker 03

  Yes.

• 42:41Speaker 03

  I had the money at the time.

• 42:44Caleb Hammer?

  $7,000, that was about a month's worth of your income. Yeah, because it was a month's worth of fucking income.

• 42:49Speaker 03

  That one sucked.

• 42:50Caleb Hammer?

  Because it was a month's worth of income.

• 42:51Speaker 03

  But you know what?

• 42:52Caleb Hammer?

  What the was the birthday?

• 42:54Speaker 03

  It was his 50th. It was his 50th birthday, and nobody else was gonna throw it for him, and I took it upon...

• 43:01Caleb Hammer?

  Your mom's not there?

• 43:02Speaker 03

  No, she passed away.

• 43:03Caleb Hammer?

  Oh, okay. Damn it. I'm sorry.

• 43:07Speaker 03

  It's okay. But I had the money, and I wanted to... No, he's not remarried.

• 43:13Caleb Hammer?

  You know what's scarier than financial audit with six-figure debt? Leaving your family unprotected because you kept putting off getting life insurance? We think we're doing all the right things to plan for our family's future. Savings accounts, cutting back on spending, college funds. But what if the unexpected happens and you're no longer in the picture? A term life insurance policy could give your family more financial protection, and Fabric by Gerber Life can help. It's term life insurance for real people. No agents calling you at dinner, no endless paperwork. Just an online application that takes you less than 10 minutes, and you might not even need a health exam. Even if your job gives you life insurance, that coverage probably vanishes when you switch jobs. Fabric stays with you.

• 43:57Caleb Hammer?

  Plus, they have options that fit your family and your budget, with affordable options like $1 million in coverage for less than a dollar a day, which is less than my coffee budget during editing week. Especially if you're young and healthy. Now is the time to lock in those low rates, and it's legit. Fabric is backed by Gerber Life and has over 1,900 5-star reviews. And trust pilot with a rating of excellent. You also get access to tools like free digital wills and ways to invest for your kids without needing a finance degree. And you can manage it all right from your phone. It is that easy. Fabric has a 30 day money back guarantee and it can cancel anytime. So there's literally no risk to apply. So join the thousands of parents who've already done this with fabric.

• 44:43Caleb Hammer?

  Protect your family's financial future today. Apply right now in just minutes at meet fabric.com slash Caleb. That is meet fabric.com slash Caleb. M E E T fabric.com slash Caleb. Let's get back to the show.

• 44:56Speaker 03

  Um, he tried. Sorry, Dad.

• 44:58Caleb Hammer?

  He tried?

• 44:59Speaker 03

  He tried.

• 45:00Caleb Hammer?

  What happened?

• 45:01Speaker 03

  Um, it's just they, it's just like a two personalities that just I feel are not meant to be together, but they kept trying.

• 45:09Caleb Hammer?

  Um, so what the $7,000?

• 45:11Speaker 03

  Uh, the venue and the food I did it.

• 45:16Caleb Hammer?

  What was it?

• 45:17Speaker 03

  It was a restaurant and it was a private like sector of the restaurant.

• 45:21Caleb Hammer?

  Cost $7,000?

• 45:23Speaker 03

  Open bar and open like it's like a open food area.

• 45:27Caleb Hammer?

  What the are you doing?

• 45:28Speaker 03

  Well, it's an expensive town that we live in and it was like supporting a small business.

• 45:32Caleb Hammer?

  Do cheap things supporting a small business.

• 45:34Speaker 03

  The other one.

• 45:35Caleb Hammer?

  Small business now. Congratulations.

• 45:36Speaker 03

  The other one was gonna be $15,000.

• 45:39Caleb Hammer?

  Great. Let's choose the neither of those.

• 45:42Speaker 03

  I was gonna, well, it was also a surprise party. So I couldn't do it at the house because it's his house, you know?

• 45:47Caleb Hammer?

  Oh, do it at a park. Do it. Kingdom McDonald's. Do it anywhere.

• 45:51Speaker 03

  I wanted to give him something that not only he could remember, but appreciate and his friends and his coworkers.

• 45:58Caleb Hammer?

  Then it's great.

• 45:58Speaker 03

  I knew I put myself in a rough place, but I did not. He, haha, he would be very proud of me and he is very proud of me.

• 46:07Caleb Hammer?

  Does he know your finances?

• 46:08Speaker 03

  Yes.

• 46:09Caleb Hammer?

  He knows that you're about to be broken like a second.

• 46:13Speaker 03

  Kind of. I've worded it differently.

• 46:15Caleb Hammer?

  Right. Yeah, that's a good way to get someone's proper assessment of what they really think.

• 46:20Speaker 03

  Well.

• 46:20Caleb Hammer?

  Manipulate them with your words.

• 46:22Speaker 03

  I'm not a manipulator, but I definitely care about perception, which has also killed me in the past.

• 46:27Caleb Hammer?

  If you manipulate them to perceive you different, you are a manipulator and a liar.

• 46:33Speaker 03

  It is what it is. At the end of the day.

• 46:35Caleb Hammer?

  It is what it is.

• 46:36Speaker 03

  What was really cool is that he-

• 46:38Caleb Hammer?

  You just, it is what it is.

• 46:40Speaker 03

  It is what it is.

• 46:41Caleb Hammer?

  Being called a manipulator, okay.

• 46:42Speaker 03

  It is what it is.

• 46:43Caleb Hammer?

  Wonderful, that's-

• 46:43Speaker 03

  My dad got to enjoy his birthday in a very emotional window.

• 46:48Caleb Hammer?

  I'm not against the heart of it. You have to understand what I am saying. It is your uncontrolled, uncontrolled spending. You are not able to do these things that you want to do. You are pretending in that situation that you made three hundred thousand dollars a year. You are now living like you still make a hundred thousand dollars a year and you make zero dollars right now. So, this, like, I'm not against the heart. If you can afford it, if you can budget it, do it. No one can budget one month's income to a birthday party.

• 47:15Speaker 03

  Well, I had budgeted, what's actually crazy is I had budgeted six months in advance because I booked everything in advance so I could sprinkle it across my expense sheet.

• 47:25Caleb Hammer?

  It's a birthday. It is a [BLEEP] birthday.

• 47:28Speaker 03

  I love planning [BLEEP]. I am such a good, I should have been an event planner. But like, I love planning [BLEEP] for people that-

• 47:34Caleb Hammer?

  Why couldn't you have planned a better unemployment emergency fund then?

• 47:38Speaker 03

  I thought I did.

• 47:39Caleb Hammer?

  You can't plan anything for yourself, you can only plan for others.

• 47:42Speaker 03

  I put ten grand aside.

• 47:42Caleb Hammer?

  Ten grand is three months of your living expenses.

• 47:45Speaker 03

  And that took me out from underneath my feet.

• 47:47Caleb Hammer?

  No, it's not the attorney stuff. You put that on debt. Just your living expenses constitute three months. Ten thousand dollars.

• 47:56Caleb Hammer?

  Like, I want to give to my family too, but again, you just have to budget. You're just living off of, like, you make three hundred thousand.

• 48:02Speaker 03

  But, you know, I just, I would give anything for my friends and family and I'm also being asked by my grandmother for ten thousand dollars.

• 48:12Caleb Hammer?

  What the [BLEEP] to her unemployed granddaughter?

• 48:15Speaker 03

  Yes. She had asked me for ten thousand dollars.

• 48:19Caleb Hammer?

  Doing?

• 48:20Speaker 03

  She is not a [BLEEP]. She is not a, she's a nice lady.

• 48:24Caleb Hammer?

  What is this old bent doing?

• 48:26Speaker 03

  I'll give you that. But she is, she had asked me for ten thousand dollars for her website because she is a caregiver. Yes, she's a caregiver. She's eighty-two. She cares for the seniors. She is a hardworking immigrant who has never, Mexico.

• 48:44Speaker 03

  And she has not stopped working a day in her life since she was in sixth grade. And part of her venture. Yeah, no, she takes her vitamins. She's all about drinking her vitamins and she is like a steel horse.

• 48:56Caleb Hammer?

  I know.

• 48:58Speaker 03

  But so she wants the money for to to build a website to be a resource to other caregivers. And she thinks that that website.

• 49:06Caleb Hammer?

  Why can't she just go on Squarespace and?

• 49:08Speaker 03

  She doesn't know better and I'm trying to teach her. Oh, I'm trying to teach her and I'm also trying to tell her because she's also.

• 49:14Caleb Hammer?

  She asked her unemployed granddaughter for $10,000.

• 49:17Speaker 03

  I told her no. I told her no.

• 49:18Caleb Hammer?

  Yeah, but she asked for that.

• 49:19Speaker 03

  I know. Well, you know, she might be a little tone deaf. It's okay. She's old. I'm, you know, it is what it is.

• 49:25Caleb Hammer?

  Old people don't get, they're like, they're old.

• 49:28Speaker 03

  No, but they get desperate and she's trying.

• 49:30Caleb Hammer?

  Is she desperate?

• 49:31Speaker 03

  She's very desperate.

• 49:32Caleb Hammer?

  She's desperate? She's poor?

• 49:33Speaker 03

  Very poor.

• 49:34Caleb Hammer?

  Why?

• 49:34Speaker 03

  Reverse mortgage on her condo.

• 49:37Caleb Hammer?

  Oh, she's been working all her life, but she did not save anything for retirement?

• 49:40Speaker 03

  Because she put all of her money into her own entrepreneur, like her own business. And she sank.

• 49:45Caleb Hammer?

  The risk of it.

• 49:46Speaker 03

  Few million in that.

• 49:47Caleb Hammer?

  What? What, the caregiving business?

• 49:50Speaker 03

  No, this was for another venture on like disposable toothbrushes that she thought she was gonna.

• 49:56Caleb Hammer?

  Is it every toothbrush disposable?

• 49:58Speaker 03

  We all told her no.

• 49:59Caleb Hammer?

  Is it every toothbrush disposable?

• 50:01Speaker 03

  It's like, looks like a mint and you pop it in your mouth and like you roll it around your mouth and then that's that. And then like you spit it out and throw it away, but because they were plastic, not environmentally friendly. The government was like, we're not going to buy this because our men overseas are not gonna use this or our men and women overseas are not going to use this. Uh, and we're not going to litter all over, so.

• 50:22Caleb Hammer?

  Oh, for sake.

• 50:23Speaker 03

  We all had the same reaction of like, god damn it, woman, like, please stop.

• 50:28Caleb Hammer?

  She took the risk. I mean, that's the point. I mean, that's the point of.

• 50:30Speaker 03

  But that risk also jeopardized all of our family's finances because now my brother and I are getting ready to supplement that reverse mortgage.

• 50:37Caleb Hammer?

  Exactly. Sometimes the entrepreneur stuff and like many of the wannabe entrepreneurs on the show, a lot of it comes with, it's not just them, they're fucking, it's, it's risk on people around them.

• 50:45Speaker 03

  My heart, but that's the position I don't want to be in.

• 50:48Caleb Hammer?

  Opportunity to do that and she chose to do that. Now she has to deal with the consequences.

• 50:52Speaker 03

  And well, now we're getting.

• 50:53Caleb Hammer?

  No, don't give her 10,000.

• 50:54Speaker 03

  Of course not.

• 50:55Caleb Hammer?

  She should be ashamed of asking her unemployed granddaughter for 10,000 dollars. Did she ask everyone?

• 51:00Speaker 03

  She asked my father too.

• 51:01Caleb Hammer?

  She's for.

• 51:02Speaker 03

  Yeah, he said no because he also, I have one younger brother.

• 51:05Caleb Hammer?

  Did she ask him?

• 51:06Speaker 03

  No. Because he's like 21 and in college.

• 51:11Caleb Hammer?

  She has her unemployed granddaughter.

• 51:13Speaker 03

  That's the reason in my brain, I didn't ask her why she didn't ask him, but I told him and he was like freaking the out.

• 51:22Caleb Hammer?

  It just sounds like your family and kind of rubbed off to you or just bad with money, then just different ways at this point, I don't know.

• 51:29Speaker 03

  Yeah, I think one of the like worst habits I got from my family's generosity is when we see a potential job offering or a potential client or like another small business, that's like a family friends will buy that product or, you know,

• 51:45Caleb Hammer?

  Okay.

• 51:45Speaker 03

  Support them that way. Yeah. And like one of the, one of the companies that I tried to support was this clothing brand that for two months, they had dragged me on of like, we'll give you a job. We want to expand it.

• 51:56Caleb Hammer?

  They weren't friends. They were a potential employer.

• 51:58Speaker 03

  A potential employer. And I wanted to like, check out the quality of the product and like experience what the customer would experience. And so I bought like $500 worth of clothes over the course of a month. And unfortunately, some of the quality is just right.

• 52:15Caleb Hammer?

  What is the minimum monthly payment of the MX?

• 52:18Speaker 03

  I don't know.

• 52:19Caleb Hammer?

  For sake, pull it up then.

• 52:22Speaker 03

  Can I get it on my phone?

• 52:23Caleb Hammer?

  Yeah. Yeah.

• 52:27Speaker 03

  It is.

• 52:29Caleb Hammer?

  Oh, apparently you used to be fat. Good job.

• 52:31Speaker 03

  Yeah, I was a big girl for a long time.

• 52:34Caleb Hammer?

  How much do you pay a month?

• 52:38Speaker 03

  For that medication.

• 52:39Caleb Hammer?

  Ozempic, yeah.

• 52:41Speaker 03

  Uh, I paid $550. But I used to pay $25 before they rolled out the coupon and then my insurance would cover it. I turned 26, then I got booted off my dad's insurance and then, uh,

• 52:53Caleb Hammer?

  Quit your job.

• 52:54Speaker 03

  Then I lost my job and I stopped.

• 52:55Caleb Hammer?

  Didn't lose, you quit.

• 52:57Speaker 03

  Yeah, I resigned. Uh, my minimum monthly payment.

• 53:00Caleb Hammer?

  Is that not the same as quitting?

• 53:03Speaker 03

  It is quitting. Yeah, it is. I say resignation, just.

• 53:06Caleb Hammer?

  Was it a government job?

• 53:07Speaker 03

  No, I worked for a niche fragrance brand. Um, I have, I don't know what my minimum monthly payment is because it just says, It just says zero. It just says zero.

• 53:17Caleb Hammer?

  $5,833, not 5,000. So it's worse.

• 53:22Speaker 03

  Yeah.

• 53:26Caleb Hammer?

  What is Wade? Okay.

• 53:28Speaker 03

  That's the attorney.

• 53:29Caleb Hammer?

  Peacock, In-N-Out?

• 53:32Speaker 03

  That was for-

• 53:33Caleb Hammer?

  LinkedIn?

• 53:34Speaker 03

  I'm canceling LinkedIn.

• 53:36Caleb Hammer?

  Optimum?

• 53:37Speaker 03

  Internet.

• 53:39Caleb Hammer?

  Distant Brewing? There's Mozart, she with the Mozart's today, the coffee.

• 53:44Speaker 03

  It was great.

• 53:45Caleb Hammer?

  No, actually, the coffee's not that great, but-

• 53:47Speaker 03

  I loved it.

• 53:47Caleb Hammer?

  But, the view and aesthetic is incredible.

• 53:50Speaker 03

  Oh my god, and those homes across.

• 53:52Caleb Hammer?

  Coffee's a bit on the bitter side, they overcook that.

• 53:55Speaker 03

  I could see that. It was pretty good, like compared to Linsman at home.

• 53:59Caleb Hammer?

  Tell Orton County to stop being stupid. Facebook advertising? $1,646?

• 54:04Speaker 03

  Oh, that was from my previous employer. So that credit card used to be on their company account for Meta.

• 54:11Caleb Hammer?

  But do you have to pay that?

• 54:12Speaker 03

  They paid it. I already paid that off. They reimbursed me, but they would use my card.

• 54:16Caleb Hammer?

  It says Planet, it doesn't say it's paid off.

• 54:18Speaker 03

  No, you should see there in the transaction. It's at least in here, too.

• 54:21Caleb Hammer?

  Oh, okay, I do see that.

• 54:22Speaker 03

  Yeah.

• 54:23Caleb Hammer?

  Okay, Just Dance or another restaurant. I just go to restaurants every second of my life. You're right, I can't see a $15 minimum monthly payment. What in the world? Credit limit 32,000? No. Oh, so scary. I don't believe you.

• 54:35Speaker 03

  I did before. I had a really bad past.

• 54:38Caleb Hammer?

  I don't believe you.

• 54:39Speaker 03

  I used to get up there.

• 54:40Caleb Hammer?

  Nope. Mm-mm. I'm gonna guess it's like $300 a month. Okay!

• 54:44Speaker 03

  But I never pay the minimum. Hold on, I never pay the minimum monthly payment.

• 54:49Caleb Hammer?

  I tell you, run out of an emergency fund before you get paid. You don't seem to understand how money works.

• 54:54Speaker 03

  No, I do.

• 54:54Caleb Hammer?

  You can only do that until you don't have any money and you are this close to not having any money! Give me this.

• 55:02Speaker 03

  It sticks. It does stick.

• 55:06Caleb Hammer?

  Give me this.

• 55:08Speaker 03

  Oh, don't delete the app.

• 55:09Caleb Hammer?

  Not deleting the app. What app?

• 55:11Speaker 03

  Oh, I think-

• 55:12Caleb Hammer?

  What would I be deleting?

• 55:13Speaker 03

  I don't know. Delta or Amex or whatever, I don't know.

• 55:16Caleb Hammer?

  What the f- I don't know, you're swiping. I don't think deleting the app's gonna do anything for you. Look at your subscriptions. Well, you're unemployed. Fun-employed.

• 55:27Speaker 03

  Oh, is it not working?

• 55:28Caleb Hammer?

  Why do you have a phone?

• 55:30Speaker 03

  I just dropped it by accident.

• 55:32Caleb Hammer?

  Stop.

• 55:34Speaker 03

  But it's insured. I pay for the insurance on all of my stuff.

• 55:36Caleb Hammer?

  Great, it's sticky.

• 55:41Caleb Hammer?

  I can't get into your subscriptions. They won't even let me. It's so, I bet it's so that it won't even let you look.

• 55:47Speaker 03

  Here, I'll show you. It's not. Here.

• 55:53Speaker 03

  Oh gosh, this is, oh, it just went. Here you go. It's loading.

• 55:58Caleb Hammer?

  Oh, two Apple cares. One's huge.

• 56:00Speaker 03

  Yeah.

• 56:01Caleb Hammer?

  MacBook? You don't need Apple care for a MacBook. Come on. Unless you're just throwing it. Apple Music, it's a bit expensive. Apple TV Plus, it's great, but it is money when you're unemployed.

• 56:12Speaker 03

  I should cancel that one.

• 56:13Caleb Hammer?

  Definitely don't need that. Come on.

• 56:15Speaker 03

  No, my cousin uses it.

• 56:17Caleb Hammer?

  I don't give a make them pay for it. You're unemployed.

• 56:19Speaker 03

  I know, I know, I know.

• 56:20Caleb Hammer?

  It's 22 bucks.

• 56:21Speaker 03

  But at the same time, like she's single, going on dates.

• 56:24Caleb Hammer?

  I don't care.

• 56:27Speaker 03

  Okay, I do.

• 56:31Caleb Hammer?

  Make her just pay for it. Just make her pay for it.

• 56:36Speaker 03

  I do need to ask her, but I haven't.

• 56:38Caleb Hammer?

  She had Facetune and then she got skinny and she deleted.

• 56:41Speaker 03

  Oh, I had Facetune for my job. I use that for like some of the models that we.

• 56:45Speaker 01

  New and exclusive holiday decor just launched online at the Home Depot. Check out the viral Grand Duchess collection with smart holiday lights you can control from your phone. Easily customize the twinkle across trees, wreaths, and garlands to match your holiday vibe.

• 57:03Speaker 01

  Create stunning light effects, then switch it up with the tap of your fingers. Even the man in red will be impressed. Shop the holiday decor you want, online only, at HomeDepot.com.

• 57:15Speaker 03

  Use because sometimes they had, alright. They did reimburse me for some of that stuff. Can I?

• 57:22Caleb Hammer?

  Um, did you go to college?

• 57:24Speaker 03

  Yes, I have a bachelor's in science in business management.

• 57:28Caleb Hammer?

  Listen, I don't know, as you're along this journey, if you want any additional certification, I'm happy to gift you one from CourseCrews. It's what our audience uses, it's what my employees use. It's good stuff. If you need that, we'll give it. Let's move on because hopefully we've been on that card for a second. Apple card, great.

• 57:45Speaker 03

  This one I have the hardest time with because I feel like I don't spend that much, but somehow it accumulates. I know it sounds dumb.

• 57:53Caleb Hammer?

  It sounds dumb.

• 57:54Speaker 03

  I'm not, I don't feel like I am. At the end of the day, like it's piles up and I don't know. Like I've noticed throughout this journey of kind of liquidating what I need versus what I don't need, where there's some expenditure.

• 58:07Caleb Hammer?

  What the are you talking about? You spent a thousand six hundred fifteen dollars minimum on bull month. On minimum, minimum. What the are you talking about? You don't know what the you're talking about. Again, either a fucking moron or a liar. And we've discovered it was a liar. Don't try to make yourself look better than you are. It doesn't actually help you. Acknowledge your flaws, move on.

• 58:28Speaker 03

  Still not a liar.

• 58:33Caleb Hammer?

  Let me see your Apple balance on your phone.

• 58:35Speaker 03

  No.

• 58:36Caleb Hammer?

  How much is it? No, I don't believe you. Just pull it up. For sake.

• 58:42Speaker 03

  I don't want to. Hold on. It's on.

• 58:51Speaker 03

  Seventeen hundred eighty-nine dollars and five cents.

• 58:59Caleb Hammer?

  What the are you doing? So stupid. There is no need to make this worse. Ninety-five dollar minimum payment, eighteen point two, four percent interest rate. Why? Why does this need to be disgusting?

• 59:14Speaker 03

  Well, I use it to like when I put it on the mirror.

• 59:17Caleb Hammer?

  Uber, Uber, Uber.

• 59:18Speaker 03

  That was from today.

• 59:19Caleb Hammer?

  Uber, Uber. You didn't need all that today.

• 59:22Speaker 03

  No, we did because we were gonna.

• 59:23Caleb Hammer?

  You had fun.

• 59:24Speaker 03

  Well, we did like the boardwalk.

• 59:25Caleb Hammer?

  You would have just gone to here.

• 59:28Speaker 03

  Well, I did have fun.

• 59:29Caleb Hammer?

  Exactly. You had fun while unemployed and having no money and trading your emergency fund and having to pay lawyers and fucking around and destroying your life and while our grandma's begging for $10,000.

• 59:39Speaker 03

  She wasn't begging, but she was asking around for sure.

• 59:42Caleb Hammer?

  She probably doesn't have enough oxygen left to beg. That's her version.

• 59:45Speaker 03

  No, like I said, steel horse of a woman. And like, she is like 5'9" and a spicy 4'9".

• 59:50Caleb Hammer?

  Funny, fried, some grocery outlet, bargain, Etsy, Airbnb, Wall Street Journal. Expensive. 32 bucks?

• 1:00:01Speaker 03

  I know, I need to cancel it.

• 1:00:02Caleb Hammer?

  Ro, well, that's the one we use and that's 45 bucks, so that doesn't make sense.

• 1:00:07Speaker 03

  Why?

• 1:00:09Speaker 03

  Is it supposed to be more or less?

• 1:00:10Caleb Hammer?

  You said you were 500 a month.

• 1:00:11Speaker 03

  For what?

• 1:00:12Caleb Hammer?

  You're Ozempic.

• 1:00:14Speaker 03

  I stopped that.

• 1:00:15Caleb Hammer?

  Oh, and then you switched?

• 1:00:16Speaker 03

  Yeah. And I do natural supplements, but I haven't gone through with Ro. I just, right now, I'm talking to the doctor to assess what would be best for, because I also like,

• 1:00:26Caleb Hammer?

  Interest, interest, PayPal.

• 1:00:27Speaker 03

  diagnose pre-diabetic, PCOS, like I have a bunch. Yes.

• 1:00:31Caleb Hammer?

  How much have you lost?

• 1:00:32Speaker 03

  Oh, almost 100 pounds.

• 1:00:34Caleb Hammer?

  How are you so pre?

• 1:00:35Speaker 03

  It's just, my family has a history with diabetes.

• 1:00:37Caleb Hammer?

  Yeah, I was gonna say, you don't look super unhealthy.

• 1:00:40Speaker 03

  Doing pretty good right now.

• 1:00:41Caleb Hammer?

  Yeah.

• 1:00:42Speaker 03

  I feel a lot better.

• 1:00:43Caleb Hammer?

  What the [__] are we getting on Etsy while we're just dying?

• 1:00:50Caleb Hammer?

  What the [__] are we getting on Etsy while we're dying?

• 1:00:53Speaker 03

  This small business that I love because they create all these.

• 1:00:58Caleb Hammer?

  We're humanoid. We're humanoid. What the [__] is all this?

• 1:01:01Speaker 03

  That's cosmetics.

• 1:01:02Caleb Hammer?

  It's the same time.

• 1:01:03Speaker 03

  And those were, those were gifts to other people because I wanted that, because they were going to promote the brand as in part of my network.

• 1:01:09Caleb Hammer?

  What brand?

• 1:01:11Speaker 03

  Humanoid. We are humanoid. It's a cosmetics brand.

• 1:01:16Caleb Hammer?

  Okay.

• 1:01:19Caleb Hammer?

  I think you just need to go get a real job.

• 1:01:23Caleb Hammer?

  One real job.

• 1:01:25Speaker 03

  I love what I do and I love-

• 1:01:27Caleb Hammer?

  Yes, but I'd like you to get paid and not be paying weird money in different places from private accounts. One singular job.

• 1:01:37Caleb Hammer?

  Get deep into that company, grind, prove you're indispensable and move up.

• 1:01:40Speaker 03

  I did for seven years.

• 1:01:42Caleb Hammer?

  Yeah, but at a potentially bad company.

• 1:01:44Speaker 03

  And so I'm doing it again now of like starting from scratch.

• 1:01:47Caleb Hammer?

  Yeah, but you're at three. You can't hyper-focus. You can't hyper-focus and bring intensity into three.

• 1:01:51Speaker 03

  The reason why I've spread myself to three is for different experience. My resume has only shown one business in a few different positions and I'm looking to fly my wings a little. Take a little bit of a deep breath. Try something new.

• 1:02:04Caleb Hammer?

  Deep breath, you can't afford life.

• 1:02:05Speaker 03

  Yes, I can.

• 1:02:06Caleb Hammer?

  You literally can't.

• 1:02:08Speaker 03

  Once I get paid, I will be fine.

• 1:02:10Caleb Hammer?

  Well, find out. You're gonna be $3,000 a month.

• 1:02:15Caleb Hammer?

  I know y'all got ideas and big ones too. And maybe it's a short film, a YouTube explainer, a fake ad for an alien-run coffee shop. Whatever it is, the vision is there, but the execution, that's where things usually fall apart. Editing timelines, voiceovers, animations, it's a whole production. And unless you've got a full team or 40 hours to spare, that idea is probably staying on your notes app. But thanks to today's sponsor, InVideo AI, you can now sit in the director's seat and bring your ideas to life irrespective of your skill level. And with 10 million users across 150-plus countries, it's the only tool in the market that allows you to generate full-length videos using generative AI.

• 1:02:58Caleb Hammer?

  Say you want a trailer where Indiana Jones discovers influencers at Area 51.

• 1:03:03Speaker 04

  Indiana's face is a mix of confusion and shock as he watches the extraterrestrial influences. One alien spots Indiana, casually walks over and raises a collab ring light toward him. The alien offers India a ring light, talking about space talk, gesturing to join them.

• 1:03:18Caleb Hammer?

  I literally just typed that in and boom cinematic shots, dramatic music and a real trailer built from scratch. You wanna tweak it? Just tell in video, add my voice, make it funnier, translate to Spanish, change background music. You control everything with simple text commands. You can even clone your voice so every video sounds just like you. Indiana, always the skeptic, is drawn into her world of crystals, prophecies and extraterrestrial whispers. It's crazy, right? And the best part, you never touch a video timeline. InVideo does all the heavy lifting while you stay focused on your ideas. You can try InVideo AI for free using the link in the description or scan this QR code on screen. It'll save you hundreds of dollars that you would otherwise spend on editing, animating and other production

• 1:04:03Caleb Hammer?

  costs. So whether you're a creator, marketer, or just someone with wild ideas, this is the tool that lets you finally bring them to life. Let's get back to the video. For Orange County and debt!

• 1:04:16Speaker 03

  Minimum. That's like, because they have told me like, we're gonna give you more hours, but we just need to start out here.

• 1:04:21Caleb Hammer?

  Trust me, that doesn't-

• 1:04:22Speaker 03

  Especially with all the tariffs and going stuff going on right now. They've asked, you know, let's start here, but we will use you in other areas that will require more hours.

• 1:04:30Caleb Hammer?

  I mean, how much did all this fucking shit cost? Look, you're fucking loaded!

• 1:04:33Speaker 03

  Um, that was probably close to like $12,000. And that's just-

• 1:04:41Caleb Hammer?

  Tattoos are so fucking stupid expensive!

• 1:04:45Speaker 03

  It's not just for my arms. I have a good portion of my body pretty covered.

• 1:04:49Caleb Hammer?

  Congratulations. It's so fucking stupid. It's just so expensive!

• 1:04:53Speaker 03

  But I did all of this-

• 1:04:54Caleb Hammer?

  When's the last tattoo you got?

• 1:04:56Speaker 03

  Friday the 13th, like last year.

• 1:05:00Caleb Hammer?

  Thank fuck.

• 1:05:01Speaker 03

  Gosh.

• 1:05:02Caleb Hammer?

  So not while unemployed.

• 1:05:03Speaker 03

  No, I lied. No, nothing while I've been unemployed. I only did it-

• 1:05:07Caleb Hammer?

  Until you have a six-month emergency fund, no fucking tattoos.

• 1:05:09Speaker 03

  Yeah, I haven't. And I want to.

• 1:05:11Caleb Hammer?

  Yeah, no, again.

• 1:05:12Speaker 03

  But I'm not going to.

• 1:05:13Caleb Hammer?

  Are you? I don't necessarily believe that. Look at your spending. $1,615 on-

• 1:05:19Speaker 03

  My money.

• 1:05:19Caleb Hammer?

  I agree. You didn't. This last month, right now.

• 1:05:22Speaker 03

  That's what I'm going to do. That's what I-

• 1:05:22Caleb Hammer?

  I would like to believe that, but you did not, leading into this conversation.

• 1:05:27Speaker 03

  I am going to.

• 1:05:28Caleb Hammer?

  You're a person that says good things and then you don't do them.

• 1:05:30Speaker 03

  That's not true. I've liquidated so much stuff since I lost my job, where I've canceled subscriptions to like my favorite things of different drink companies or just small stuff that was, you know, I could pull from my paycheck.

• 1:05:46Caleb Hammer?

  So fucking stupid.

• 1:05:48Speaker 03

  Do you have any tattoos?

• 1:05:51Caleb Hammer?

  No.

• 1:05:52Speaker 03

  Do you?

• 1:05:53Caleb Hammer?

  I'm afraid.

• 1:05:53Speaker 03

  Do you want one?

• 1:05:55Caleb Hammer?

  I've wanted potentially a base clef right here. I'm not getting tattooed if that's what you're asking me.

• 1:06:01Speaker 03

  I could tattoo you.

• 1:06:02Caleb Hammer?

  No, I'm not getting tattooed.

• 1:06:04Speaker 03

  Like these little, I brought you a little gift where it's a stencil and we can put the product on.

• 1:06:09Caleb Hammer?

  Stencil? What product?

• 1:06:11Speaker 03

  It's the humanoid product. And it lasts-

• 1:06:15Caleb Hammer?

  Oh, you fucking plug.

• 1:06:18Speaker 03

  I just wanted you to like have some fun and add some color and like experience what a tattoo could feel like. Cause I didn't see any, you know, see any on you when I was watching some of the episodes, so. I don't know, have some color, have some fun.

• 1:06:33Caleb Hammer?

  No needles?

• 1:06:33Speaker 03

  No needles. Only a sticker.

• 1:06:38Caleb Hammer?

  You can put a dick right here.

• 1:06:40Speaker 03

  I'm not gonna do that.

• 1:06:42Caleb Hammer?

  Well, that's the only one I consent to.

• 1:06:44Speaker 03

  Okay.

• 1:06:45Caleb Hammer?

  Well, what, I don't know, what would you put there?

• 1:06:48Speaker 03

  You want me to show you the stencils or?

• 1:06:50Caleb Hammer?

  Oh, it's not custom?

• 1:06:51Speaker 03

  No, you can pick.

• 1:06:52Caleb Hammer?

  Yeah, show me the stencils.

• 1:06:57Speaker 03

  Let me get my, my bag of treats here.

• 1:07:01Speaker 03

  Well, I'll just show you one sheet. So it's like, unless you want a few different, like I have these designs.

• 1:07:11Speaker 03

  Where's the, I think you might like.

• 1:07:15Speaker 03

  Something like that. Oh, this one's a, this one's a good one too. If you wanna try. Something of that. I have pink, purple, green, red, white.

• 1:07:24Caleb Hammer?

  Green for the show. Do this little dinosaur guy.

• 1:07:29Speaker 03

  You wanna do that one? Let me find these.

• 1:07:33Speaker 03

  Will last for three days.

• 1:07:35Caleb Hammer?

  Are you purposely plugging this?

• 1:07:37Speaker 03

  No.

• 1:07:38Caleb Hammer?

  Cause no offense.

• 1:07:39Speaker 03

  I just wanted to give this to your team.

• 1:07:41Caleb Hammer?

  Like this is a risk of that business. I that's that's.

• 1:07:48Speaker 03

  You just have to let it dry.

• 1:07:49Caleb Hammer?

  A fifth grader.

• 1:07:52Speaker 03

  A cool fifth grader.

• 1:07:53Caleb Hammer?

  Yeah, but this is what they do at the fucking like park on a weekend.

• 1:07:58Speaker 03

  That's not what kids. Have you been to a park with kids?

• 1:08:01Caleb Hammer?

  Yeah, I just. Yeah, no, I was on a walk.

• 1:08:04Speaker 03

  Just let that dry and not peel it off.

• 1:08:05Caleb Hammer?

  I was at a, I was on a walk and there was like, you know, kids playing in a playground and a dude was set up doing little, you know, fucking little temporary tattoos, little, little painting things.

• 1:08:17Speaker 03

  Okay.

• 1:08:17Caleb Hammer?

  It's exactly what they do.

• 1:08:18Speaker 03

  Well, this isn't like a water transfer thing, but just let it dry because I kind of applied it a little thick, but it's.

• 1:08:24Caleb Hammer?

  Do tattoos just show hair because that's all this shows?

• 1:08:27Speaker 03

  Well, it's just because it's wet right now. It'll look cool after. I like it.

• 1:08:31Caleb Hammer?

  Full product review. Let's find out.

• 1:08:33Speaker 03

  Yeah, just let her dry.

• 1:08:35Caleb Hammer?

  Let's double the love. Ulta Beauty Reward. I agree. Okay.

• 1:08:41Speaker 03

  I love Ulta.

• 1:08:44Caleb Hammer?

  Why? They love you. You're getting fees and interest. It's a fucking late fee. Come on.

• 1:08:50Speaker 03

  That was my bad. I've been.

• 1:08:51Caleb Hammer?

  No shit.

• 1:08:52Speaker 03

  I know.

• 1:08:53Caleb Hammer?

  No, it's.

• 1:08:53Speaker 03

  It's.

• 1:08:54Caleb Hammer?

  He's bad.

• 1:08:54Speaker 03

  Here's the thing.

• 1:08:55Caleb Hammer?

  My bad? What do you mean? No, no.

• 1:08:56Speaker 03

  I thought it was on auto payment and it wasn't.

• 1:08:59Caleb Hammer?

  Why?

• 1:09:00Speaker 03

  Typical. I get it because I was being careless, Caleb.

• 1:09:03Caleb Hammer?

  Yes.

• 1:09:03Speaker 03

  Is that what you want to hear?

• 1:09:04Caleb Hammer?

  Yes.

• 1:09:06Speaker 03

  I was being careless and.

• 1:09:07Caleb Hammer?

  Now, what is going to suggest that you will be careful?

• 1:09:12Speaker 03

  I have no money, so I need to be careful.

• 1:09:15Caleb Hammer?

  Now you're actually recognizing you have no money. Now you're saying that because guess what? This whole time you're like, oh, I can survive. No, you know, not if you don't have no money.

• 1:09:24Speaker 03

  I'm at the point of really being desperate and of, you know, kind of sticking my neck out financially and, you know, making sure I'm not making the mistakes that I used to. And this is unfortunately one of them that I made. But.

• 1:09:43Caleb Hammer?

  So.

• 1:09:44Speaker 03

  It's not a big fee.

• 1:09:46Speaker 03

  Any consequences?

• 1:09:47Caleb Hammer?

  Are you kidding me? It's a fee when you're unemployed and have no money and you're draining your emergency fund and building your credit cards to the ceiling.

• 1:09:53Speaker 03

  It won't happen again. I've already set it up. I already set it up.

• 1:09:56Caleb Hammer?

  None of this will ever happen again. Yeah, she does it right before it comes on the show.

• 1:09:59Speaker 03

  I don't have the physical card, so I only had it signed up for one.

• 1:10:03Caleb Hammer?

  A digital wallet?

• 1:10:05Speaker 03

  It's not in my digital wallet. I don't think. I don't use it a lot. I only use the.

• 1:10:10Caleb Hammer?

  We owe $249.13.

• 1:10:14Caleb Hammer?

  Two dollars fifty eight cents of interest, two hundred dollars purchases, but then the fees, blah, blah, blah, forty dollar minimum monthly payment.

• 1:10:22Speaker 03

  That one always accrues baseline of twenty dollars because that's also holding my ChatGPT subscription.

• 1:10:28Caleb Hammer?

  Ulta?

• 1:10:29Speaker 03

  Yeah.

• 1:10:30Caleb Hammer?

  The?

• 1:10:31Speaker 03

  Just easy points.

• 1:10:32Caleb Hammer?

  Yeah, but then you accrue interest in late fees. So your points, it doesn't make any sense.

• 1:10:38Speaker 03

  And you know what? The only reason why I have this card.

• 1:10:42Caleb Hammer?

  Two hundred dollar version of ChatGPT.

• 1:10:44Speaker 03

  Oh, I did. I was reimbursed for that because my work asked me to play around with Sora.

• 1:10:49Caleb Hammer?

  Last work?

• 1:10:50Speaker 03

  Yes, the my bigger, the seven year one I had, but I was really bullied into having this card because I used to work for Ulta and I worked for them for like four years. And when the credit cards rolled out, they were shoving it down everybody's throat in terms of like staff.

• 1:11:07Caleb Hammer?

  But let's be honest, you have to spend a lot on makeup. I mean.

• 1:11:12Speaker 03

  For that job I did. And I also got like a discount.

• 1:11:14Caleb Hammer?

  You're pretty caked. I mean, this thing is.

• 1:11:17Speaker 03

  I'm not caked. I have like a little tinted moisturizer on with bronzer and blush and that's pretty much it and sunscreen. But for my job in my industry. Yeah, when I had that job, I was blown money. No, not now.

• 1:11:30Caleb Hammer?

  You do not spend a lot now.

• 1:11:32Speaker 03

  No, I only shop the deals when they have like the annual sales and stuff or it's like buy one, get one.

• 1:11:36Caleb Hammer?

  That's to get you to spend.

• 1:11:39Speaker 03

  Yeah, but I don't do it frequently. I only do it when I like need shampoo or and I don't even use that anymore for shampoo. I use like TikTok shop for that stuff because it's a little bit cheaper.

• 1:11:57Caleb Hammer?

  Okay. I don't know what the to do with you, man. TikTok and shop. Good luck.

• 1:12:06Caleb Hammer?

  Twenty two point two four percent interest.

• 1:12:11Caleb Hammer?

  All right, still going Capital One Venture. Venture one.

• 1:12:15Speaker 03

  Yes, that one.

• 1:12:16Caleb Hammer?

  Balance two hundred sixty nine dollars and ninety three cents with a minimum monthly payment of twenty five dollars, two, two hundred sixty nine dollars of purchases.

• 1:12:28Speaker 03

  Amazon. That is my Amazon card.

• 1:12:29Caleb Hammer?

  Hold your Amazon with your sticky phone.

• 1:12:37Speaker 03

  I'm gonna get yelled at.

• 1:12:41Caleb Hammer?

  If you already know that, then why are you doing it? Because this is still your choice. You could do the, "I'm not gonna do that anymore."

• 1:12:46Speaker 03

  Well, some of the stuff I actually- Because some of the stuff I needed because I broke my phone screen or I went off that medication- and I bought supplements.

• 1:12:56Caleb Hammer?

  And we needed a notebook and we needed blankets and we needed, oh my gosh, every supplement ever created in the history of the fucking world.

• 1:13:02Speaker 03

  My insulin's crazy and I'm gonna do everything to like-

• 1:13:06Caleb Hammer?

  I guess we're doing anal.

• 1:13:08Speaker 03

  What?

• 1:13:09Caleb Hammer?

  I don't know, you got lube.

• 1:13:11Speaker 03

  Oh.

• 1:13:13Speaker 03

  We're not doing anal.

• 1:13:14Caleb Hammer?

  No judgment.

• 1:13:15Speaker 03

  We're not.

• 1:13:17Caleb Hammer?

  You don't have to be defensive. Alright, like, we're all doing anal here. Right, Lindsay? Jake, we're all doing anal.

• 1:13:28Speaker 03

  You just bet yourself on that one. But, you know, the reason, I don't, whatever, I don't need to-

• 1:13:34Caleb Hammer?

  Proionics, Artifin, ruled notebook, come on, multiple notebooks in a month?

• 1:13:38Speaker 03

  Well, some of them are my boyfriend's-

• 1:13:41Caleb Hammer?

  Hard shell.

• 1:13:42Speaker 03

  Well, he pays me back for it. It's not like I'm going crazy. Like, some of the stuff is his too.

• 1:13:48Caleb Hammer?

  Uh, AirPods with ear hooks.

• 1:13:50Speaker 03

  Yeah, well, here's the thing.

• 1:13:51Caleb Hammer?

  Multi-functional food chopper, are we a fucking late night TV?

• 1:13:55Speaker 03

  No, mine broke and I needed to replace it.

• 1:13:57Caleb Hammer?

  Anti-cracking hard shell. You already have the Apple Care on the MacBook and what are you doing with the MacBook? It's just, I've never seen anyone break a MacBook.

• 1:14:04Speaker 03

  The previous cover broke.

• 1:14:05Caleb Hammer?

  Trojan pleasure pack lubricated, so lubricated, plus we got the lube, plus we got the-

• 1:14:09Speaker 03

  I don't, we're not having children right now, so we're using protection.

• 1:14:15Speaker 03

  I'm smart in that way.

• 1:14:16Caleb Hammer?

  No, I appreciate it, I appreciate it.

• 1:14:17Speaker 03

  Protecting the world from my bad habits, right now at least.

• 1:14:21Caleb Hammer?

  The child, yeah, sure. Just Javik USDA certified something, I don't know, extra-large magnetic-

• 1:14:30Speaker 03

  Oh, it's for de-potting my eyeshadows.

• 1:14:34Speaker 03

  I don't have room in my office space because I also like juggle with some like beauty influencer stuff, just kind of as my creative outlet and I'm

• 1:14:44Caleb Hammer?

  Stop. This is all money. This is all fucking money.

• 1:14:50Caleb Hammer?

  You need, you need fucking

• 1:14:53Caleb Hammer?

  different hobbies. You don't even need different hobbies.

• 1:14:55Speaker 03

  But there's nothing wrong.

• 1:14:57Caleb Hammer?

  You need to be like actually investing and like making a difference.

• 1:15:00Speaker 03

  Not only am I investing in myself and my hobbies, but I'm

• 1:15:03Caleb Hammer?

  So you have the mobile app on your phone and you're investing?

• 1:15:04Speaker 03

  I have invested in some cryptocurrency, but I did it before it was popular.

• 1:15:11Caleb Hammer?

  Okay, so you're a millionaire?

• 1:15:13Speaker 03

  No, I had invested in Dogecoin before. It was a penny. I invested $200 and now it's worth $2,000, but I haven't cashed it out. I'm not an investor. I'm not, I never, uh, but the thing is, I should have cashed out a while ago because when it went up with Elon's whole thing on SNL, I could have made 10 grand.

• 1:15:36Caleb Hammer?

  So you're still hold?

• 1:15:37Speaker 03

  I still held.

• 1:15:38Caleb Hammer?

  And?

• 1:15:39Speaker 03

  And I still am. And it's still over $2,000.

• 1:15:42Caleb Hammer?

  Then just solid pay off some debt, dude. I get it.

• 1:15:45Speaker 03

  I was thinking about it.

• 1:15:46Caleb Hammer?

  But it lowers your risk profile. I understand it might make more money at some point. Lower your risk profile. You're unemployed. You're a contractor. And you can get rid of contractors like this without any fear of legal repercussions.

• 1:15:58Speaker 03

  Well, my contracts are pretty extensive in terms of like if they were to fire me, I'm, I'm pretty protected. Like the, the contracts that, that we've all signed. It's not just like a

• 1:16:08Caleb Hammer?

  I'm sure the equity one, maybe. There's sure, I'm sure there's also a vesting period, right?

• 1:16:11Speaker 03

  All of them. That was part of why I have

• 1:16:13Caleb Hammer?

  Is there a vesting period in this equity one?

• 1:16:16Speaker 03

  I

• 1:16:16Caleb Hammer?

  How long do you have to be there?

• 1:16:18Speaker 03

  A year, a year. And I'm almost there.

• 1:16:20Caleb Hammer?

  Is this done?

• 1:16:21Speaker 03

  Yeah, you can peel it off.

• 1:16:23Caleb Hammer?

  Okay, it just looks like hair. A dinosaur with lots of hair.

• 1:16:27Speaker 03

  And then you can throw that in like water and it just goes away. It's like made without plastics and stuff. It's like supposed to.

• 1:16:35Speaker 03

  By the sweat of my palms, it'll start disintegrating.

• 1:16:38Caleb Hammer?

  Wow, guys, look.

• 1:16:40Speaker 03

  Well, you can like play with it, like not play with it, but like decorate it up. I don't know, like imagine if you were at a festival or something and you like wanted to like decorate your body. I don't know what you do in your spare time. It's none of my business, but like if you wanted to play with some color.

• 1:16:54Caleb Hammer?

  ACL, but it's just like this doesn't scream. I would go to it. Okay.

• 1:16:57Speaker 03

  Well, you would add more designs. The one kind of looks a little abstract.

• 1:17:00Caleb Hammer?

  When this company goes under next week.

• 1:17:03Speaker 03

  I don't think it is. I, that's why I am a part of it.

• 1:17:07Caleb Hammer?

  Which one is this? The equity one?

• 1:17:08Speaker 03

  Yes.

• 1:17:12Caleb Hammer?

  That's why 20% is worth a few thousand dollars.

• 1:17:14Speaker 03

  I actually don't know if it's.

• 1:17:16Speaker 00

  At Edward Jones, we believe rich is more than caring about the latest and greatest. It's also taking care of what gives your life meaning. That's why your dedicated financial advisor meets you where you are with personalized financial strategies that help protect what matters. So you can preserve your progress while creating a path forward. The key to being rich is knowing what counts. Let's find your rich together. Edward Jones. Member SIPC.

• 1:17:45Speaker 03

  20% off. That was just my best guess.

• 1:17:48Caleb Hammer?

  Okay, so don't be mean, don't be mean, don't be mean, don't be mean, don't be mean. Okay. Okay, oh, it's Kindle, Amazon, Amazon, Amazon Prime Video.

• 1:17:56Speaker 03

  This is my Amazon card. I told you it was my Amazon card.

• 1:17:59Caleb Hammer?

  We've got Prime Video and Kindle. Go to the library.

• 1:18:01Speaker 03

  I don't have, well, there is kind of.

• 1:18:03Caleb Hammer?

  Yeah, you live in Orange County. Go to the library.

• 1:18:05Speaker 03

  I know, I know.

• 1:18:05Caleb Hammer?

  Yeah, you know, so do it.

• 1:18:09Speaker 03

  I don't want to. It's so nice having a Kindle.

• 1:18:12Caleb Hammer?

  Person, you can do. What you should have been using this entire time was the FIS card. You already know it. You're in front of the channel. Just like everyone else. I'm surprised you don't have it.

• 1:18:22Speaker 03

  I don't want to sign up to another credit card because I've had these for a long time.

• 1:18:25Caleb Hammer?

  Card, though. It only allows you to spend it in your checking account where the rest of this is.

• 1:18:28Speaker 03

  Want to do that either.

• 1:18:30Caleb Hammer?

  Yeah, you want to spend more.

• 1:18:32Speaker 03

  No, I, I just.

• 1:18:35Caleb Hammer?

  Oh, here's the card. It's like 5% interest rate, not the worst, but of course not really confusing with the market when you're taking depreciation of the car.

• 1:18:41Speaker 03

  Yeah, it was definitely on the higher side, but like.

• 1:18:43Caleb Hammer?

  2024 Ford Bronco?

• 1:18:46Speaker 03

  2022.

• 1:18:46Caleb Hammer?

  22.

• 1:18:47Speaker 03

  Yeah.

• 1:18:48Caleb Hammer?

  Bottom tier.

• 1:18:49Speaker 03

  No. Second from the bottom tier. It's a great car. It's not a manual.

• 1:18:53Caleb Hammer?

  Cause I know the expensive for Broncos can be pretty expensive, like the upper ones.

• 1:18:57Speaker 03

  And I haven't made any like modifications to it or anything.

• 1:18:59Caleb Hammer?

  Which is why it's only fifteen thousand eight hundred sixty dollars, which unemployed sucks. But for when you had your last job, it's not the worst purchase.

• 1:19:06Speaker 03

  It really made sense.

• 1:19:07Caleb Hammer?

  But now having a four hundred fifty one dollar nine cent payment is not good.

• 1:19:13Speaker 03

  Yeah, I've definitely been prioritizing that one like alongside my rent to make sure I don't shoot myself in the foot.

• 1:19:21Caleb Hammer?

  What do you think it's worth?

• 1:19:24Speaker 03

  Um, in earlier, probably like right now, probably pretty close to what I bought it for. Based off of, I bought it for forty thousand.

• 1:19:36Caleb Hammer?

  You're and no, it's worth fifteen.

• 1:19:38Speaker 03

  Oh.

• 1:19:38Caleb Hammer?

  We checked, it's worth fifteen. You've you've break it even. You thought it was worth what you bought it for?

• 1:19:44Speaker 03

  Well, there was a moment in time where it was like all the parts shortage. I was offered like fifty grand. No, no, no, this was like three years ago, like two years ago. Sorry, whatever, but like.

• 1:19:54Caleb Hammer?

  It wasn't four years ago. It was three years ago. Okay, great.

• 1:20:00Speaker 03

  I I had an offer for like fifty thousand dollars and I was like, I needed the car.

• 1:20:04Caleb Hammer?

  It's worth fifteen thousand dollars because we're in a more closer to the normal market, so.

• 1:20:08Speaker 03

  Well, the car's great. It has had no problems, which is surprising for the manufacturer.

• 1:20:13Caleb Hammer?

  Statements for a firm, but I gotta pull it up. Pull up your firm.

• 1:20:19Caleb Hammer?

  How many miles around this car?

• 1:20:20Speaker 03

  Twenty three thousand.

• 1:20:21Caleb Hammer?

  How many? What's the condition?

• 1:20:23Speaker 03

  Brains making new, perfect. She lives in a garage right now. Um, hold on.

• 1:20:32Caleb Hammer?

  And and Venmo. Oh, my gosh, okay. Oh, we'll do a firm first.

• 1:20:37Speaker 03

  Sorry, it's like going a little slower than I want it to.

• 1:20:48Speaker 03

  I'm going as fast as I can, I promise.

• 1:20:50Caleb Hammer?

  Oh, you're good.

• 1:20:52Speaker 03

  I don't wanna look at this. Continue in browser.

• 1:20:55Caleb Hammer?

  Oh, but I'm gonna.

• 1:20:57Speaker 03

  Um, I don't know. Do you know how to navigate it? Like, on the browser? Cause I'm not entirely sure.

• 1:21:03Caleb Hammer?

  You don't have the fucking app?

• 1:21:04Speaker 03

  No. I don't.

• 1:21:06Caleb Hammer?

  Are you logged in?

• 1:21:08Speaker 03

  Yeah.

• 1:21:08Caleb Hammer?

  Oh, okay. Kill me now.

• 1:21:11Speaker 03

  Yes, I'm logged in.

• 1:21:12Caleb Hammer?

  Four thousand five hundred eighty-five dollars and seventy-three cents on a phone.

• 1:21:17Speaker 03

  And that's primarily the attorney stuff.

• 1:21:22Caleb Hammer?

  Due this month, uh, only forty-two. How are you ever gonna pay this off if due this month is only forty-two dollars sixty-seven cents?

• 1:21:28Speaker 03

  Well, I didn't choose, like, the most spaced-out option, cause I didn't wanna pay that much interest. But every month it charges me for that attorney fee is like four fifty.

• 1:21:37Caleb Hammer?

  What does Icon pass?

• 1:21:39Speaker 03

  That's for my ski pass.

• 1:21:41Caleb Hammer?

  What the fuck? Are you doing unemployment? Getting a twelve-hundred-dollar ski pass?

• 1:21:44Speaker 03

  That was-

• 1:21:44Caleb Hammer?

  Twelve-hundred-fucking-dollar ski pass unemployment?

• 1:21:46Speaker 03

  That was last season.

• 1:21:48Caleb Hammer?

  What the fuck are we doing?

• 1:21:49Speaker 03

  I had a job when I bought that. I put it on Affirm, cause I couldn't pay it all in front.

• 1:21:53Caleb Hammer?

  It's still fucking due. It's due now.

• 1:21:55Speaker 03

  No, I paid my last payment on that. That's all done.

• 1:21:57Caleb Hammer?

  Do this week. Okay.

• 1:21:58Speaker 03

  That's when I had my job.

• 1:21:59Caleb Hammer?

  Okay, okay, I got it. I got it. I got it. I got it. What's at Hardy Originals?

• 1:22:04Speaker 03

  The clothing store. I saw this skirt that I really liked, and then I got my boyfriend a pair of shorts for his birthday.

• 1:22:12Caleb Hammer?

  I got it. I got it. It went from fat to attractive, and then, you know, I had to get new clothes.

• 1:22:19Speaker 03

  Thank you.

• 1:22:19Caleb Hammer?

  I'd do the same. I'd do the same.

• 1:22:21Speaker 03

  I only bought one thing for myself, though.

• 1:22:22Caleb Hammer?

  But we don't finance it. We don't finance it.

• 1:22:24Speaker 03

  But it was zero interest, so I don't understand the harm.

• 1:22:26Caleb Hammer?

  Yeah, but now you're stuck in your minimum monthly payments, and your minimum monthly payment is a struggle right now, with all these adding up while you're unemployed. That's why. General merchandise, I don't even know what that is. Four hundred forty-eight dollars seventy-seven cents, due on May first.

• 1:22:38Speaker 03

  I think that's the attorney stuff.

• 1:22:39Caleb Hammer?

  No.

• 1:22:40Speaker 03

  That's the big one. That's weighing over my head. I know.

• 1:22:46Caleb Hammer?

  What is this? What is this? Cover FX Ice Cream Foundation? Cover Cream Foundation?

• 1:22:51Speaker 03

  Yes. Cover FX is a beauty brand. They had a sale. Everything was ten dollars.

• 1:22:55Caleb Hammer?

  Sales do not justify for you.

• 1:22:57Speaker 03

  But there was no interest, and I was like-

• 1:22:58Caleb Hammer?

  It doesn't matter. You're creating your minimum monthly payments that you are getting uncontrollable for you. That's what matters. That's what matters.

• 1:23:06Speaker 03

  I-

• 1:23:09Speaker 03

  Wanted it because it was cheap and they usually charge like 60 bucks and I just wanted it.

• 1:23:14Caleb Hammer?

  I'll see if I know. Nope, she's drinking beer that she always pays for in her profile picture.

• 1:23:23Speaker 03

  Girl likes to have a good time. Loosen up a little.

• 1:23:25Caleb Hammer?

  Spend her money.

• 1:23:26Speaker 03

  Yes, I do.

• 1:23:28Caleb Hammer?

  Not loose enough. Ordering lots of lube.

• 1:23:32Caleb Hammer?

  Uh, TikTok shop.

• 1:23:33Speaker 03

  Yes.

• 1:23:34Caleb Hammer?

  Just recently.

• 1:23:37Speaker 03

  There's some good sales on there and I could not help myself.

• 1:23:41Caleb Hammer?

  And a really attractive person named Charlie.

• 1:23:45Speaker 03

  Oh, that's my, one of my best friends. That was for

• 1:23:48Caleb Hammer?

  Nevermind, I zoomed in.

• 1:23:49Speaker 03

  A maternity gift. No, she's beautiful. I love her.

• 1:23:53Caleb Hammer?

  Peacock or Poshmark, Poshmark, TikTok shop, TikTok shop.

• 1:23:56Speaker 03

  That was for, uh, two dresses.

• 1:23:59Caleb Hammer?

  Mend, does your partner know about this? TikTok shop, TikTok shop, TikTok shop, TikTok shop, TikTok shop.

• 1:24:04Speaker 03

  He sees all of the deliveries.

• 1:24:05Caleb Hammer?

  Taylor, who might be potentially attractive, let's keep investigating.

• 1:24:09Speaker 03

  No, that was for her house burning down and the LA fires.

• 1:24:12Caleb Hammer?

  Really shouldn't zoom in. What the, how'd you, do you know her?

• 1:24:17Speaker 03

  Yeah.

• 1:24:17Caleb Hammer?

  Okay.

• 1:24:18Speaker 03

  And that was also when I had a job. And I, my heart went out to her and her community, so try to donate.

• 1:24:24Caleb Hammer?

  And your money.

• 1:24:25Speaker 03

  Well, yeah, that's what I just said. I think.

• 1:24:28Caleb Hammer?

  Said your heart.

• 1:24:28Speaker 03

  My heart and my money.

• 1:24:30Caleb Hammer?

  Okay.

• 1:24:32Caleb Hammer?

  Whew, I'm going in hard this episode. Okay, um.

• 1:24:37Caleb Hammer?

  Yeah, I mean, six thousand seven hundred in the checking account, right? But down from eight thousand five hundred, sounded a good sign.

• 1:24:43Speaker 03

  Yeah. My rent's expensive.

• 1:24:45Caleb Hammer?

  What's in it right now?

• 1:24:46Speaker 03

  Thirty six hundred?

• 1:24:47Caleb Hammer?

  Oh, for sake, so it went from seven thousand, six hundred, so it went from six thousand seven hundred to three thousand five hundred.

• 1:24:54Speaker 03

  Yes.

• 1:24:54Caleb Hammer?

  Oh.

• 1:24:55Speaker 03

  Yes, it did.

• 1:24:57Caleb Hammer?

  Oh.

• 1:25:00Speaker 03

  But I just got my tax return. Sorry, it's thirty three hundred.

• 1:25:06Caleb Hammer?

  And you're gonna be paying taxes next year.

• 1:25:08Speaker 03

  Do you want to see it?

• 1:25:09Caleb Hammer?

  Thirty three hundred, no, I don't need to see it.

• 1:25:14Caleb Hammer?

  ATM withdrawal, ATM withdrawal, ATM withdrawal Netflix.com.

• 1:25:17Speaker 03

  Oh, the ATM.

• 1:25:19Caleb Hammer?

  Venmo, which we know these are all TikTok shop.

• 1:25:21Speaker 03

  No.

• 1:25:21Caleb Hammer?

  Venmo, Venmo, Venmo, Venmo.

• 1:25:24Speaker 03

  No, some of that's for rent and all this like.

• 1:25:26Caleb Hammer?

  Venmo?

• 1:25:27Speaker 03

  Yeah.

• 1:25:27Caleb Hammer?

  Fun!

• 1:25:29Speaker 03

  Yeah, that's what we just talked about.

• 1:25:30Caleb Hammer?

  We did just talk about that.

• 1:25:31Speaker 03

  Yeah, that's, there's nothing new. I hope.

• 1:25:35Caleb Hammer?

  PayPal, PayPal, Venmo, Venmo. Technolo.

• 1:25:42Speaker 03

  I have no idea.

• 1:25:44Caleb Hammer?

  Uh, again, fourteen ninety-nine.

• 1:25:46Speaker 03

  Technolo?

• 1:25:47Caleb Hammer?

  NGCA Technolo.

• 1:25:50Speaker 03

  I have no idea.

• 1:25:51Caleb Hammer?

  It's always great to not know where our money is going to.

• 1:25:54Speaker 03

  Well, you know how like some transactions, they like put in weird names and you're like, what the hell is this? Almost ready to dispute it and you're like, oh, wait, no, that's that company, but they always have some.

• 1:26:02Caleb Hammer?

  I know.

• 1:26:03Speaker 03

  Name, weird name.

• 1:26:04Caleb Hammer?

  Mormon guys only. Oh, what is this? What is this weird name?

• 1:26:09Speaker 03

  Oh, that's.

• 1:26:09Caleb Hammer?

  This obviously has McDonald's. You gotta use the budget now, dude.

• 1:26:18Speaker 03

  I want to.

• 1:26:19Caleb Hammer?

  You get it for free forever.

• 1:26:20Speaker 03

  I wanna get ahead of this because I used to be so bad.

• 1:26:23Caleb Hammer?

  Used to? What?

• 1:26:26Speaker 03

  I used to be worse.

• 1:26:27Caleb Hammer?

  Okay, yeah, let's not use so bad because you are so bad. Uh, you brought in zero dollars last month and you spent ten thousand. Okay. Well done! Three thousand dollars, that's our new income after we set aside money for taxes. We're, okay, debt payers, let's just get that sorted out. Okay, here goes nearly a third. Eight hundred eighty-three dollars, seventy-six cents, housing, what's your rent, your portion?

• 1:27:00Speaker 03

  Sixteen hundred.

• 1:27:01Caleb Hammer?

  Your portion?

• 1:27:02Speaker 03

  Mm-hmm. Yeah, we live in a really nice spot, but it's like the best we could get for what we needed. And like have a garage and.

• 1:27:13Caleb Hammer?

  I don't even wanna fucking hear it.

• 1:27:15Speaker 03

  But even when I lived at home, I moved to home. There was a moment in time where I couldn't even afford my own rent and I moved home and my dad charged me fifteen hundred dollars a month for my room. So it's nice to at least.

• 1:27:27Caleb Hammer?

  So what is it again?

• 1:27:28Speaker 03

  Sixteen hundred.

• 1:27:30Caleb Hammer?

  Your portion of utilities, including internet?

• 1:27:32Speaker 03

  Two hundred.

• 1:27:34Caleb Hammer?

  Phone bill?

• 1:27:36Speaker 03

  Zero.

• 1:27:39Caleb Hammer?

  Mommy and daddy?

• 1:27:40Speaker 03

  My dad.

• 1:27:41Caleb Hammer?

  Mm-hmm. Vroom, vroom, drive, drive, gas.

• 1:27:45Speaker 03

  Ninety.

• 1:27:46Caleb Hammer?

  Okay, we don't drive much.

• 1:27:48Speaker 03

  No, I work from home.

• 1:27:49Caleb Hammer?

  Car insurance?

• 1:27:50Speaker 03

  My dad covers it.

• 1:27:52Caleb Hammer?

  You're so lucky. Three hundred dollars is what you're allowed to contribute to the food pile on a monthly basis. Hundred dollar to the TP fund that includes all your makeup and everything and lube and all the collections.

• 1:28:03Speaker 03

  I bought lube once.

• 1:28:06Caleb Hammer?

  Multi gallon.

• 1:28:07Speaker 03

  No, it wasn't. It was a little bottle. We use protection and I don't want to like break my skin.

• 1:28:14Caleb Hammer?

  Need to hear about your

• 1:28:15Speaker 01

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• 1:28:33Speaker 01

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• 1:28:45Caleb Hammer?

  Skin.

• 1:28:46Speaker 03

  I don't know, but like

• 1:28:47Caleb Hammer?

  I'm trying to make a little

• 1:28:48Speaker 03

  You were talking about anal and asking your team. That's like a huge HR violation.

• 1:28:52Caleb Hammer?

  HR violation. We have the contracts in place as necessary. Under Texas and United States law, when filmed, it is totally good.

• 1:29:02Speaker 03

  All right.

• 1:29:03Caleb Hammer?

  It was totally good and consented.

• 1:29:08Caleb Hammer?

  Yes, Jake signed the anal inquiry clause. The contract.

• 1:29:14Caleb Hammer?

  Your medical or healthcare stuff?

• 1:29:16Speaker 03

  I am going to apply for Calif- like Medi-Cal.

• 1:29:20Caleb Hammer?

  What's that gonna cost you?

• 1:29:22Speaker 03

  Hopefully nothing, but I don't know.

• 1:29:24Caleb Hammer?

  Make your money.

• 1:29:25Speaker 03

  Yeah.

• 1:29:25Caleb Hammer?

  Okay, and Jim?

• 1:29:27Speaker 03

  Yeah, that one's ninety dollars a month.

• 1:29:29Caleb Hammer?

  Do you have pets?

• 1:29:30Speaker 03

  Nope.

• 1:29:30Caleb Hammer?

  Good. No subscriptions? You can have business ones, but that takes out of your, your It'll help deduct.

• 1:29:37Speaker 03

  Yeah, some of them are my.

• 1:29:39Caleb Hammer?

  But you don't have much money that we need you to deduct anyway. Okay, anything else that needs to be in your budget that I have not taken into account yet? Obviously, I have a feeling we're gonna be f***ed, but. Well, luckily, Dettie's here to save the day.

• 1:29:50Speaker 03

  That's pretty much it, other than my like credit card payments.

• 1:29:53Caleb Hammer?

  All right, you are underwater by two hundred sixty-three dollars and seventy-six cents, so.

• 1:29:59Speaker 03

  I thought it was gonna be a lot worse, to be honest with you.

• 1:30:01Caleb Hammer?

  Well, this is you living off of not spending any money on bull**** and having daddy cover a third of the bills. You're okay with that? Yeah, you didn't do that.

• 1:30:08Speaker 03

  I do wanna take Mike and out of the equation.

• 1:30:11Caleb Hammer?

  You spent a th- I can't listen to anything you say. You, you, you say you want to. But literally, right before you came on the show, a thousand? Four hundred fifteen dollars on bull****.

• 1:30:22Speaker 03

  Yeah.

• 1:30:22Caleb Hammer?

  On bull****.

• 1:30:23Speaker 03

  But.

• 1:30:24Caleb Hammer?

  So, don't, but, listen, I'm done. Here's the thing. What you clearly need to do is a relatively simple solution. Obviously, budget, yes. Go through all the classes we did, those are created for you. Yes, that's the educational part, so you know how to manage your money. But the fact is, right now, you don't have enough money coming in, because you can't even break even.

• 1:30:39Speaker 03

  Yeah.

• 1:30:39Caleb Hammer?

  These three ventures you're do- stop.

• 1:30:41Speaker 03

  I'm listening.

• 1:30:42Caleb Hammer?

  These three ventures you're doing? No. We're not playing an equity long-term position, because you can't survive. Go get a real job now. Sixty, seventy thousand dollars a year, use your experience, you have a vast amount, show what you have done, the metrics you can provide, that you will provide value to the company, that you are willing to grind from the ground floor up, but obviously, hopefully, at a better place. Show that. Make that money, break even, start paying down some of the debt. Build up that merchant fund to six months again, and we need to start retiring, because we're getting, sending money to retirement, because you're almost done with your best decade of growth, and I don't see retirement.

• 1:31:16Speaker 03

  I mean, I do contribute to my Roth IRA.

• 1:31:18Caleb Hammer?

  How much is in there?

• 1:31:19Speaker 03

  I've contributed in full for the last five years.

• 1:31:22Caleb Hammer?

  How much is in there?

• 1:31:24Speaker 03

  Probably like almost ninety thousand?

• 1:31:27Caleb Hammer?

  Ninety thousand?

• 1:31:28Speaker 03

  I think so. I received some money.

• 1:31:32Caleb Hammer?

  You are so weird. Oh, there you go.

• 1:31:34Speaker 03

  I received some money that I didn't want to touch, so I put it in stocks.

• 1:31:38Caleb Hammer?

  That's what it was. Okay.

• 1:31:39Speaker 03

  I didn't want to touch it.

• 1:31:40Caleb Hammer?

  That's what you need to do is go get a real job instead of playing like kids with like these other jobs or playing equity position world. We're not doing it. You literally aren't breaking even. And so we can't do it. It's not our choice at this point, or you just have to go do another make believe job. It's like.

• 1:31:56Speaker 03

  And they're not make believe. It's like actual social media work.

• 1:31:59Caleb Hammer?

  Like, go do a full-time job. You have good experience and I'm sure you have great analytics that you can show that you will provide value to an organization. Do that. Okay?

• 1:32:12Speaker 03

  Okay.

• 1:32:14Caleb Hammer?

  Okay.

• 1:32:15Speaker 03

  I don't want to.

• 1:32:15Caleb Hammer?

  Right. Well, then you're not going to pay bills and [__] you. Debt? It's not egregious. You just make no money and it's stupid. Debt score two out of 10. Spending in a budget, overspent because you don't know how to survive. No wonder it's gone from 8,000 to 3,000 in like a month. Zero out of 10. Emergency fund? Well, barely anything left. We're at about a two out of 10 there. Uh, because I'm going to call 2,000 of it an emergency fund. The rest is just checking account. Retirement? That 90,000 is incredible. How much of it was gifted?

• 1:32:45Speaker 03

  Uh.

• 1:32:46Caleb Hammer?

  For your age, very happy. 10 out of 10. Real estate, zero out of 10.

• 1:32:53Caleb Hammer?

  Doesn't matter if it's gifted or not. It was there. I would have loved to see that, you know, a little more discipline being the reason that we got there for a sense of pride, but it is there regardless. Just don't [__] it up now. Hammer Finance score, looks like the site was right. Three out of 10. Okie dokes. Join us in the post show. We're going to bring in the boyfriend who does not know her financial situation. And, uh, yeah, we're, we're going to dig into that and then we're going to dig into more. Uh, actually, there's some drama that we weren't allowed to talk about on the main show that she wanted to keep for the post show. So we're going to dive into that as well. It's really juicy. Make sure you join the elite version for thousands of hours of extra content and download the budgeting app and change your life. See you in the post show. What do you think her finance? On a scale of one to 10? No, what do you think her finances are?

• 1:33:38Caleb Hammer?

  I couldn't tell you what I spent last month. Let alone what she spent last month. For your finances. You dated her when she was fat?

• 1:33:45Speaker 03

  Yeah.

• 1:33:46Caleb Hammer?

  Can I see before and after?

• 1:33:47Speaker 03

  Sure.

• 1:33:47Caleb Hammer?

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

• 1:33:58Speaker 00

  At Edward Jones, we believe rich is more than caring about the latest and greatest. It's also taking care of what gives your life meaning. That's why your dedicated financial advisor meets you where you are with personalized financial strategies that help protect what matters so you can preserve your progress while creating a path forward. The key to being rich is knowing what counts. Let's find your rich together. Edward Jones. Member SIPC.