I F*cking Hate Them | Financial Audit

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

• 0:00Speaker 00

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• 0:31Speaker 01

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• 0:59Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. You're the annoying one in this conversation. That is why I am ripping you. As you should. He probably needs someone to stand up to you for the first time because he never has, because he's probably a little bit of a pussy. Go fuck yourself.

• 1:13Speaker 03

  Don't be so f***ing mad at it.

• 1:14Caleb Hammer?

  Do you not let him speak in the house?

• 1:15Speaker 03

  No.

• 1:16Caleb Hammer?

  No, I think no was the correct answer.

• 1:18Speaker 03

  Is that your projecting?

• 1:19Caleb Hammer?

  We don't listen to people that look like you anymore.

• 1:22Speaker 03

  Is it a woman thing?

• 1:23Caleb Hammer?

  No, SJW thing.

• 1:24Speaker 03

  So you're sexist.

• 1:25Caleb Hammer?

  You don't give a f*** about your relationship.

• 1:27Speaker 03

  I'm working on it.

• 1:28Caleb Hammer?

  Work harder.

• 1:31Caleb Hammer?

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• 1:52Speaker 03

  Hi, I'm Jordan. I'm 26 years old.

• 1:54Speaker 04

  I'm Matt. I'm 24. We're from Springdale, Arkansas.

• 1:56Speaker 03

  And this is Financial Audit.

• 2:00Caleb Hammer?

  It sure is, and you guys drove down, right?

• 2:03Speaker 03

  Oh, yeah.

• 2:03Caleb Hammer?

  How high are you, Matt? Look at you. Look at you.

• 2:07Speaker 04

  Uh, I'm not.

• 2:08Caleb Hammer?

  You've either done 10 shots of [BLEEP] day, or, or just sleepless, driving through the night from Arkansas.

• 2:15Speaker 04

  Yup, that's exactly it.

• 2:17Speaker 03

  He's really tired, really tired.

• 2:19Caleb Hammer?

  Well, we got a big conversation ahead of us, big guy. Now, listen, again, I, I, I always say this, I go in blind with the audience, that's the fun of the show, but Colton, you know, kind of waddled in. In fact, you know, he often likes to skip, so he was skipping in. He skipped into my office this morning, he was like, hello Caleb. And I was like, oh, Colton, oh, hi, this, this must be exciting. And he said, oh, it is. Because he has no idea what the [BLEEP] is going on. Matt has no idea what the [BLEEP] is going on. His lady, this nice little lady here, septum piercing and all, is just hiding.

• 2:55Speaker 03

  I knew, I knew you were gonna say something. What's the prejudice against that?

• 3:01Caleb Hammer?

  Well, you look like a freak, but other than that...

• 3:02Speaker 03

  No, it's just an accessory.

• 3:05Caleb Hammer?

  It's, what did you?

• 3:06Speaker 03

  An accessory. It's an accessory. Get some hearing aids.

• 3:11Caleb Hammer?

  Well, but you said it very weird. You said it like...

• 3:14Speaker 03

  Accessory.

• 3:16Caleb Hammer?

  She's a very Californian.

• 3:17Speaker 03

  Sometimes I don't, well, I'm not from there, thank God.

• 3:20Caleb Hammer?

  Which is very weird, because you said it like you were. No, you just look like you belong in a pasture. But, but other than that, it's okay.

• 3:28Speaker 03

  I guess...

• 3:29Caleb Hammer?

  Correct.

• 3:32Caleb Hammer?

  But...

• 3:33Speaker 03

  Um, I used to weigh 360 pounds, so...

• 3:35Caleb Hammer?

  It wasn't a fat joke.

• 3:37Speaker 03

  Oh, well.

• 3:38Caleb Hammer?

  It was a...

• 3:40Speaker 03

  Oh, the bull, oh.

• 3:42Caleb Hammer?

  Oh, she's stupid, too, that comes along with it.

• 3:44Speaker 03

  She's a little ditzy, but that's okay.

• 3:46Speaker 04

  She does that.

• 3:48Caleb Hammer?

  Well, the main issue, and I think what Colton was trying to tell me, is that your lovely lady here has been hiding an absolute crazy amount of [BLEEP] from you, and you have no idea what is going on in the finances, and it's a complete shit show.

• 4:04Speaker 03

  Okay, first of all, first of all, not hiding.

• 4:08Caleb Hammer?

  Well, I was talking to him, but yeah, why don't, why don't, why don't you jump in, out of the gate? I think we kind of want to know what personality you are at this point. Sure, what's going on, lady?

• 4:17Speaker 03

  Oh, um, I just wanna, like...

• 4:21Speaker 03

  Get better at budgeting.

• 4:23Caleb Hammer?

  Well, congratulations, okay? What the f*** kind of answer is that? The fact is, I mean, the main note that I have is we want to take things to the next step, but she's hiding shit from him.

• 4:34Speaker 03

  Not exactly, no.

• 4:36Caleb Hammer?

  Okay, how would Mr. Matt describe it then? Because I feel like she's trying to downplay something here when the very note that we have from you guys is...

• 4:44Speaker 03

  Or are you trying to dramatize it?

• 4:46Caleb Hammer?

  Not necessarily, maybe, I don't know. The note we have from you guys, well, mostly him, is she says she's ready for the next step, but she keeps hiding her finances from me. That is the note we have, not from me, not from Colton, from him. So dramatizing, maybe, I don't know, but that would be from him. Maybe you should... Do you not let him speak in the house?

• 5:06Speaker 03

  No, we communicate very well.

• 5:07Caleb Hammer?

  No, I think no was the correct answer. And I feel like that's why you probably think it's dramatized, because you haven't heard what he wants to say and what he actually thinks. I'm already picking that vibe up from you.

• 5:17Speaker 03

  Is that you projecting? Are you projecting onto me?

• 5:20Caleb Hammer?

  I don't think so.

• 5:21Speaker 03

  You're projec... Oh, you're projecting onto him. Do you not get to talk in your relationship?

• 5:29Speaker 03

  Yes, no?

• 5:30Speaker 04

  Do I have the floor?

• 5:31Caleb Hammer?

  I would like you to.

• 5:33Speaker 04

  So, we want to move forward. But there are some things she's hinted at, things that I don't know the full story to.

• 5:45Speaker 04

  And we're here to...

• 5:46Caleb Hammer?

  Really? Sounds like she loves to talk. And yet you haven't gotten the full story somehow? Hmm, that's interesting.

• 5:51Speaker 03

  I'm not a storyteller, okay?

• 5:54Speaker 04

  Anyways, we're here to peel back the metaphorical onion layers here on the finances and bury all the secrets and hopefully set the record straight.

• 6:04Caleb Hammer?

  Why are there secrets? What is the next step? You say we're trying to move forward. What is forward? Where are we? What is forward?

• 6:11Speaker 03

  Um, well, we've been together a while and...

• 6:15Caleb Hammer?

  What's a while? Let's try to get specific in this conversation.

• 6:18Speaker 03

  Well, started officially dating in February. So that's like

• 6:22Caleb Hammer?

  I guess that's a while.

• 6:24Speaker 03

  That is a while.

• 6:25Caleb Hammer?

  When people say a while, I'm thinking a couple of years at a minimum. A while?

• 6:28Speaker 03

  No.

• 6:29Caleb Hammer?

  I would say for a little bit. My girlfriend and I have only been dating since February as well. I wouldn't say a while. I'd say we've been dating for a bit.

• 6:36Speaker 04

  Mm hmm.

• 6:36Speaker 03

  Well, different perception of time, I guess.

• 6:40Caleb Hammer?

  Okay, you're 26. You're not a child. I think we should have a pretty similar perception of time, but okay. So what is moving forward then when we've been dating for a little while?

• 6:49Speaker 03

  Thinking about marriage in the next year or so.

• 6:53Caleb Hammer?

  Well, that's good. I love that. Love. Love is in the air.

• 6:57Speaker 04

  Oh, yeah.

• 6:58Caleb Hammer?

  That's great. Are you consenting to that?

• 7:02Speaker 04

  I'm consenting. Um, I love her. And again, I just want to get all these finances filled out.

• 7:08Caleb Hammer?

  So what is going on then? What do you think is happening? Cause you're, you're, you're saying there's these things you need to peel from the onion and all that.

• 7:18Speaker 03

  How I pronounce things? Oh, yon.

• 7:27Caleb Hammer?

  To move forward into the marriage situation, what do you think is going on? What's your perception?

• 7:33Speaker 04

  Um, well, I've heard about a water system and I don't know the full story to it.

• 7:37Caleb Hammer?

  Heard about a water system.

• 7:38Speaker 04

  Mm hmm.

• 7:39Caleb Hammer?

  How do we hear about a wa- what's a?

• 7:40Speaker 03

  I mentioned.

• 7:41Caleb Hammer?

  Are you a homeowner?

• 7:43Speaker 04

  Uh, no, but uh, I believe it's from a past purchase or perhaps a loan.

• 7:51Caleb Hammer?

  Water, what, what's a wa- a water system for what? What are you watering?

• 7:55Speaker 04

  Yeah.

• 7:56Speaker 03

  Um.

• 7:57Speaker 04

  What are you watering?

• 7:58Speaker 03

  Well, my hair, because hard water is bad for your hair.

• 8:03Speaker 04

  No, Jesus.

• 8:05Speaker 03

  It's, okay, it's from like my past relationship that I was in. It was like a, it was like a rebound relationship and I didn't realize it at the time.

• 8:13Caleb Hammer?

  You rebounded with a water system?

• 8:14Speaker 03

  No, with a person, but he bought a house and then he was.

• 8:17Caleb Hammer?

  You know this guy?

• 8:19Speaker 04

  Never met him.

• 8:19Caleb Hammer?

  You're kind of reacting in an interesting way. So I feel like there's some blood. Not the greatest of the Bloods.

• 8:26Speaker 03

  He doesn't know him. Never met him, just heard about him.

• 8:30Speaker 04

  What I've heard, he is, he's a piece of work.

• 8:34Caleb Hammer?

  I don't know how that equals water system.

• 8:36Speaker 03

  So he, we were together for like a couple of months and we're tired of driving back and forth because we were like an hour away from each other. And so he was like, it would be easier if I just bought a house.

• 8:46Caleb Hammer?

  Oh.

• 8:46Speaker 03

  So he bought a house.

• 8:48Caleb Hammer?

  Luckily they go for pennies in Arkansas, but.

• 8:49Speaker 03

  It was in Missouri. Um, and it was way more than pennies there. Um, or way less than pennies, but he was like, I'm gonna get a house. So he got a house and I moved in.

• 9:00Caleb Hammer?

  Good for him, the boyfriend of two months. Good for him. I'm glad he got a, a house.

• 9:04Speaker 03

  Yeah, it was a bad decision.

• 9:05Caleb Hammer?

  Himself and him, and not you.

• 9:07Speaker 03

  Well, I moved in and.

• 9:09Caleb Hammer?

  As a roommate.

• 9:11Speaker 03

  Now at the time that like they sent all these people to like sell you solar panels and sell you these things.

• 9:17Caleb Hammer?

  Why does it matter if they come? They always come.

• 9:20Speaker 03

  Because it was.

• 9:21Caleb Hammer?

  The Mormons come, the solar panels come, they all come.

• 9:24Speaker 04

  Oh, yeah.

• 9:25Caleb Hammer?

  Why does it matter if they come?

• 9:26Speaker 03

  Well, I don't think Mormons come very often because it's a religious thing, but.

• 9:30Caleb Hammer?

  I think they come a lot with their multiple wives.

• 9:33Speaker 03

  I think that's dated, but.

• 9:35Caleb Hammer?

  Well, if they're lucky, they're dating a lot.

• 9:38Speaker 03

  He bought the house. One of those people came to the door and was like, oh, this water system. And at the time I was in the middle of losing weight and when you lose weight, your hair gets super thin. And I was like, oh my God, a water system would be great for my hair. And he was like, I can't get it on my own credit with just the.

• 9:50Caleb Hammer?

  What the are you doing? You're getting a water system just so, because you're losing weight. This is, that's a, feels like one of the more stupid excuses I've ever heard to go into a debt.

• 10:02Speaker 03

  Well, but it just.

• 10:02Caleb Hammer?

  Wait, is it a debt? You, you say you hear about a water system. What do you mean you hear about a water system?

• 10:08Speaker 04

  Well.

• 10:08Caleb Hammer?

  Where the like rumors of a water system?

• 10:09Speaker 04

  She told me about this, uh, past, I guess I'd call it a situationship and, uh.

• 10:15Caleb Hammer?

  Yeah, two months before moving in, that's actually pretty intense.

• 10:17Speaker 04

  And this is coming from the woman who will not drink water without ice in it. So.

• 10:23Caleb Hammer?

  Okay, bougie cow.

• 10:26Speaker 04

  So very particular about her water. And I think it stems from that. And she heard water system with, what was it? Soft, soft water?

• 10:33Speaker 03

  Reverse osmosis, okay?

• 10:35Speaker 04

  Oh, for fuck's sake.

• 10:37Speaker 03

  It had reverse osmosis.

• 10:37Caleb Hammer?

  You bought this. Fully, fully you.

• 10:41Speaker 03

  No, I didn't buy it. Okay.

• 10:43Caleb Hammer?

  I'm confused what this rumor of a water system is, that guy.

• 10:46Speaker 03

  He signed on it and he was like, oh, I can't get approved for it with just my name or credit. And so I cosigned.

• 10:53Caleb Hammer?

  And a water system.

• 10:54Speaker 03

  But I didn't understand what cosigning was at the time.

• 10:57Caleb Hammer?

  Okay, well, so far in the few minutes we've had, when you've used reasons for doing anything, it's just, I don't understand. You know what happens when you don't understand something? You learn, you f- what are you talking about? I don't understand shit all the time. Does that mean I just do? Does that mean I just do?

• 11:13Speaker 03

  Well, in the moment, it seemed like a rational decision.

• 11:16Caleb Hammer?

  The first time, I didn't understand how to stick it in, so I watched some porn.

• 11:20Speaker 03

  That does not tell you how to stick it in the correct way.

• 11:23Caleb Hammer?

  No, but it helped me at least proceed.

• 11:26Speaker 03

  You couldn't find a hole like crazy. You needed to learn that, but anyway.

• 11:30Caleb Hammer?

  I could have landed in the wrong one.

• 11:33Speaker 03

  Well, depends on your preferences, I guess.

• 11:36Caleb Hammer?

  The thing is, if I don't understand how to cook, I learn a recipe. If I don't understand how to drive, I learn how to drive. If I don't understand how to film or edit, I learn, you f- I didn't know that they sent solar salesmen?

• 11:52Speaker 03

  I didn't-

• 11:53Caleb Hammer?

  I didn't know what cosigning means?

• 11:55Speaker 03

  I didn't.

• 11:56Caleb Hammer?

  You tit. When was this? You tit. When was this?

• 12:01Speaker 03

  It was like last May. No, not this past May, the one before.

• 12:05Caleb Hammer?

  You were 25?

• 12:07Speaker 03

  Yeah.

• 12:07Caleb Hammer?

  At that time, you had access to GPT, you had access to Grapp, you had access to-

• 12:10Speaker 03

  I didn't even know GPT existed back then.

• 12:12Caleb Hammer?

  You don't know anything is your excuse for anything. You had access to Google, I know you know that. You had access to fucking Yahoo if you really wanted it.

• 12:18Speaker 03

  Okay, but besides that-

• 12:20Caleb Hammer?

  Bing.

• 12:20Speaker 03

  Besides the stupid water system, I'm doing great.

• 12:24Caleb Hammer?

  What is cosigning? Like, that is no longer an excuse anymore for anything in today's society.

• 12:29Speaker 03

  Well, because they-

• 12:29Caleb Hammer?

  I'm sorry, it's not.

• 12:30Speaker 03

  The way they explained it to me and maybe-

• 12:32Caleb Hammer?

  It's not 2002.

• 12:32Speaker 03

  Maybe because they were salesmen, like, I don't know, I took their word for it. They were like, this is what cosigning is and it's not even a big deal. And so I just took their word.

• 12:40Speaker 04

  I think part of it stems with the instant gratification.

• 12:43Speaker 03

  It was also that.

• 12:44Caleb Hammer?

  Instant gratification of reverse osmosis?

• 12:47Speaker 03

  Okay, listen.

• 12:48Speaker 04

  You'll find-

• 12:48Caleb Hammer?

  We have different gratifications.

• 12:50Speaker 04

  That this is a, uh, this is a pattern of instant gratification.

• 12:53Caleb Hammer?

  Well, how do you feel getting into dating this pattern for a potential long-term marriage?

• 12:57Speaker 03

  I'm more than just a pattern, okay?

• 13:00Speaker 04

  Considering-

• 13:01Speaker 03

  Don't minimize me.

• 13:02Speaker 04

  I've had to sort of steer her away from that. Um, and she has gotten better, but again, it is still quite frustrating sometimes.

• 13:12Caleb Hammer?

  I mean, in the entire conversation that you guys were having in the onboarding process with Colton, you were just incredibly just swearing that you were better off with finances and that you're actually doing pretty good with finances.

• 13:21Speaker 03

  I don't think we're doing bad. I think we're doing fine.

• 13:24Caleb Hammer?

  You wouldn't be here is the fun fact with that. Like, it's impossible. And you having that mentality, if you want to move forward, that mentality doesn't get you moving forward in a relationship. If you got, yeah, yeah, okay, oh yeah, what's your perspective on all this? I know you don't know the entire finances, but like, what do you think? What do you hear this? Like, what is even going through your head? I mean, she says she's emotionally self-aware, apparently.

• 13:46Speaker 03

  I am emotionally self-aware.

• 13:49Speaker 04

  And I'll give her credit, she does. She is self-aware, but uh, when it comes to finances-

• 13:52Caleb Hammer?

  No one with that hair is ever self-aware.

• 13:55Speaker 03

  I literally just did this, okay? I was like, I want a little bit of color.

• 13:58Caleb Hammer?

  Then you're certainly not self-aware.

• 14:00Speaker 03

  I am self-aware. It's gorgeous. I love it.

• 14:06Speaker 03

  You perm yours. I don't want to hear it.

• 14:08Caleb Hammer?

  All right, stalker. Matt?

• 14:09Speaker 03

  You talk about it.

• 14:12Speaker 04

  If we're staying on the hair topic for a second, I can't justify spending, how much was it?

• 14:17Speaker 03

  Which one?

• 14:19Speaker 04

  Uh, which appointment was it? What was the last appointment? What did it cost?

• 14:24Speaker 03

  $240.

• 14:25Speaker 04

  $240? If I get a haircut-

• 14:27Speaker 03

  It's justified. My hair looked really bad and then my self-esteem suffers and then-

• 14:31Caleb Hammer?

  It should still be.

• 14:32Speaker 03

  No, I think I look good.

• 14:34Caleb Hammer?

  You look like 2012 SJW.

• 14:39Speaker 03

  Well, it was popular then.

• 14:41Caleb Hammer?

  Then?

• 14:44Caleb Hammer?

  Okay, that cost you 300 bucks?

• 14:46Speaker 03

  I'm doing great.

• 14:48Caleb Hammer?

  Oh, that wasn't the question.

• 14:51Speaker 04

  Yup.

• 14:51Caleb Hammer?

  And also, are you? Again, you're on the show and you want to move forward as a couple.

• 14:55Speaker 03

  Here's the thing. He can't justify a hair purchase. Well, purchase. I don't think it's like a purchase. It's kind of like a support thing. It supports my mental health because it makes me feel better.

• 15:08Caleb Hammer?

  Ooh, which I'm not necessarily 100% opposed to. The thing is, I feel like if he is noticing a pattern of endless instant gratification for being the reason we're doing everything, it's like, it's a continuation of a pattern, yes, of which you might have associated with you, a pattern. That is continuing down this cycle of bad finances, not letting you guys get to that next step if that... There is a middle ground. You've never used conditioner a day in your life, I can tell. And you spend way too much on your hair. There is a middle ground here, ladies and gentlemen. Like, don't get me wrong.

• 15:39Speaker 04

  I conditioned this morning.

• 15:40Speaker 03

  Well, I've tried doing it myself.

• 15:42Speaker 04

  Feel it.

• 15:43Speaker 03

  I've tried doing my hair myself and it ended horribly.

• 15:46Caleb Hammer?

  I'm not saying that either. Again, that within itself is not inherently bad purchase, especially from, you know, the female perspective. Okay, I get it. But if it's an endless pattern of instant gratifications, leading us to financial misery, where we're not...

• 16:00Speaker 03

  I don't think we're in financial misery.

• 16:01Caleb Hammer?

  Well, he does. In order to get to the next step, which is your main goal, he's not willing to get there because you're being an absolute degenerate.

• 16:08Speaker 03

  No, I don't think you know the definition of that word.

• 16:11Caleb Hammer?

  I'm a degenerate, but in different, in more pleasant ways and more fun. And we love it. But the fact is, you are obviously holding it back, or else he would be going to the next step.

• 16:21Speaker 03

  I don't think I'm holding it back.

• 16:23Caleb Hammer?

  Well, let's hear what Matt says then.

• 16:24Speaker 03

  If it's not brought up.

• 16:25Caleb Hammer?

  Let's hear what Matt says then. Well, are you a pussy not bringing shit up?

• 16:29Speaker 04

  Uh, no, I bring it up, but even when I bring it up, uh, things like, uh, for example, the one wheel. Uh, I never even had a chance to say no. It just happened.

• 16:39Caleb Hammer?

  How much was the one wheel?

• 16:40Speaker 04

  How much is the one wheel? I know.

• 16:41Speaker 03

  Like, in total? Or like, it was like 3,700?

• 16:49Speaker 03

  That's not that bad. You have your hobbies. People spend more on stupid Legos or something.

• 16:56Caleb Hammer?

  I have money to budget. I'm responsible. No, and before this, before this, for years before this, when I fixed my shit, you guys are literally trying to move through the next step and you're spending thirty-seven

• 17:08Speaker 04

  You know what's bad?

• 17:09Caleb Hammer?

  hundred on a one-wheel?

• 17:10Speaker 04

  I already had two, and we were perfectly fine sharing.

• 17:13Caleb Hammer?

  What are we doing then?

• 17:14Speaker 04

  I already had-

• 17:14Caleb Hammer?

  Why'd she do thi- why'd she do this? Shut the fuck. I don't even wanna hear it. Why did she do this?

• 17:18Speaker 03

  Okay, you don't have to-

• 17:19Caleb Hammer?

  Oh, there she is! Come on. She can't listen.

• 17:23Speaker 04

  I wanna get it-

• 17:24Caleb Hammer?

  Oh my gosh, she keeps going!

• 17:25Speaker 03

  It was a bonding thing. It was a bonding thing.

• 17:27Caleb Hammer?

  Bonding? You bonding? What bonding?

• 17:29Speaker 03

  No, because it's a good, like, hobby that we do outdoors.

• 17:32Caleb Hammer?

  He had two. You are two people.

• 17:34Speaker 04

  Shh. I really, I really want one for myself.

• 17:39Caleb Hammer?

  Wait, he had two?

• 17:40Speaker 04

  I, I really wanted a one-wheel for myself.

• 17:42Speaker 03

  And one of them sucked, and I couldn't ride it.

• 17:45Speaker 04

  They had character.

• 17:46Caleb Hammer?

  Or I couldn't support you. Which one?

• 17:47Speaker 03

  Um-

• 17:48Speaker 04

  They had character.

• 17:49Speaker 03

  The first.

• 17:50Caleb Hammer?

  Huh?

• 17:50Speaker 04

  I've crashed them several times. They got some dings, they got some rough marks, they got some wear on them, but that doesn't make them any less capable of riding than the one you got.

• 18:01Speaker 03

  But, okay, to be fair, just to preface, I was like, okay, I really like this hobby that he's introduced me to, so I want one of my own because we were still early-

• 18:12Caleb Hammer?

  That's more important than the next step, though, because again, that's what's holding back.

• 18:15Speaker 03

  At the time, we had only been together for like four months, so I didn't know the long haul.

• 18:18Caleb Hammer?

  You're at eight, so that's halfway through.

• 18:20Speaker 03

  No, nine. And then we dated before that, but we weren't official, because I was making sure I was doing the right thing this time.

• 18:28Caleb Hammer?

  What? What? What's that mean?

• 18:30Speaker 03

  Like casually dating, but only seeing each other. No.

• 18:33Caleb Hammer?

  No?

• 18:34Speaker 03

  No.

• 18:35Caleb Hammer?

  What's the point?

• 18:36Speaker 03

  Going on dates and getting to know each other.

• 18:38Caleb Hammer?

  Ew.

• 18:39Speaker 03

  No.

• 18:39Caleb Hammer?

  I'm kidding. I'm kidding.

• 18:40Speaker 04

  That was like the first month.

• 18:42Caleb Hammer?

  Okay, so it's been 10 months.

• 18:44Speaker 03

  Well, but, I mean, not official.

• 18:47Caleb Hammer?

  I don't give a f**k about official, who cares? What, are we in middle school?

• 18:50Speaker 03

  I knew, because I wanted to make sure.

• 18:53Caleb Hammer?

  Like it, so I guess it makes sense.

• 18:55Speaker 03

  Sure. I'm sure it does, for you.

• 18:58Caleb Hammer?

  I mean, how much debt do you have? Well, Matt, how much debt do you think you guys have as a household?

• 19:05Speaker 04

  As a household?

• 19:08Speaker 04

  Well, we recently got a car from me, because mine was, uh, it was done.

• 19:15Speaker 04

  And I believe right now that's about 21? 21? No?

• 19:22Speaker 03

  23.

• 19:22Caleb Hammer?

  Nah, let Matt figure this out. I want Matt to figure out what the household finances are. The debt.

• 19:28Speaker 04

  And, um...

• 19:31Speaker 04

  So from my side of things, I know I have a 26,000, it's the car payment. Alright, it's a loan.

• 19:36Caleb Hammer?

  So the household, combined, what do you think it is? Because we're trying to make this a household, a combined household.

• 19:42Speaker 04

  I'd say somewhere about equal, so maybe 20,000 on her end.

• 19:47Caleb Hammer?

  Okay, which will bring us to...

• 19:48Speaker 03

  As a household?

• 19:50Speaker 04

  43.

• 19:51Caleb Hammer?

  Okay.

• 19:51Speaker 04

  Maybe.

• 19:51Caleb Hammer?

  And what do you think?

• 19:54Caleb Hammer?

  Bitch.

• 19:54Speaker 03

  As a household, you had to throw the bitch in there? Yeah, I'm sure you did. Do you feel good about that? Yeah, I'm glad you do. Um, okay, so maybe like... 30? Not, no... 30.

• 20:11Speaker 04

  30?

• 20:12Speaker 03

  Yeah.

• 20:14Speaker 04

  Oh my god.

• 20:14Speaker 03

  Like 30. With the car?

• 20:17Caleb Hammer?

  What's this reaction, Matt? What is this? What are you saying?

• 20:21Speaker 04

  I don't know, but I feel like it's gonna get...

• 20:23Speaker 03

  My car's paid off, so like, I don't think, I don't think it's crazy.

• 20:26Speaker 04

  I'd like to know what's in those papers in your hands a little bit more.

• 20:30Caleb Hammer?

  Well, I'll tell you what's in it. Eighty-two thousand, five hundred, sixty-nine dollars and ninety-three cents of debt. You say you're not that bad?

• 20:37Speaker 03

  It's not that bad.

• 20:38Caleb Hammer?

  It's not that bad.

• 20:39Speaker 03

  It's not that bad.

• 20:41Caleb Hammer?

  Well, you thought you...

• 20:42Speaker 03

  Twenty-three thousand if that is a car.

• 20:44Caleb Hammer?

  You thought you had 30?

• 20:45Speaker 03

  Yeah, well...

• 20:47Speaker 00

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

• 21:17Caleb Hammer?

  That's substantially different, more than double.

• 21:20Speaker 03

  Hmm.

• 21:22Caleb Hammer?

  Hmm? Are you able to, you're not able to disagree with more than double? Like, that's not something that's disagreeable.

• 21:27Speaker 03

  Yeah, okay, but I thought some of it would fall off, to be honest. Like, I thought it would just like, I thought it would be long enough to fall off.

• 21:33Caleb Hammer?

  Are you talking collections?

• 21:34Speaker 03

  Yeah.

• 21:35Caleb Hammer?

  Okay, maybe there's some collections. So you're gonna marry a woman that allows things to go to collections?

• 21:39Speaker 03

  I was in a different time.

• 21:41Caleb Hammer?

  Different, you're 26, dude. You haven't had that much.

• 21:43Speaker 03

  I wasn't when that happened.

• 21:45Caleb Hammer?

  Okay, 25.

• 21:46Speaker 03

  Well, before that, I was in a seven-year-long relationship.

• 21:50Caleb Hammer?

  Does she want a handshake? I don't know what she's looking for.

• 21:53Speaker 03

  I made really bad decisions.

• 21:54Speaker 04

  But, uh, yes, yes.

• 21:57Caleb Hammer?

  You just got a $3,700 one-wheel while being $82,000 in bad debt. You used to make really bad decisions? You don't give a [__] about your relationship.

• 22:06Speaker 03

  Um, first of all, I do.

• 22:07Caleb Hammer?

  No, you're not trying to do anything to get it forward. You're just trying to get yourself a one-wheel because you didn't want to be on his rusty one-wheel.

• 22:13Speaker 03

  I wanted my own too, because in that, at that time, I didn't know if we would, I didn't know if we were gonna like work out in the future. I try not to hold on to things like that and just let things flow. But I was like, if we weren't together later, I want my own, because...

• 22:27Caleb Hammer?

  Then buy it after a separation.

• 22:31Speaker 03

  But I wanted it then.

• 22:32Caleb Hammer?

  Well, no [__], so she prefers that over you guys getting married?

• 22:36Speaker 03

  That's not true.

• 22:36Caleb Hammer?

  But you chose it and you purchased it, which puts you behind, which puts you further away from marriage. So yes, you do.

• 22:45Caleb Hammer?

  And you don't stand up?

• 22:48Speaker 04

  I didn't have a chance to stand up with the one wheel.

• 22:50Caleb Hammer?

  Why? What do you mean?

• 22:51Speaker 03

  It was my

• 22:51Speaker 04

  I was at work and I got a text and if I could find it, I would show you. But it's so far in our text message logs at this point, but it went something like, "Hey babe, I bought a one wheel. I dropped my phone. I was planting vegetables in the ground. I dropped my phone."

• 23:09Speaker 03

  Out of excitement?

• 23:10Speaker 04

  No.

• 23:11Speaker 03

  Yeah. He was excited to ride one wheels with me.

• 23:16Speaker 04

  I was and I am. Always am. That's how we we pulled up to the office on our one wheels. But you just buying it outright, especially on someone else's credit? I would never.

• 23:31Speaker 03

  I make the payments though. I make the payments. It's like we're doing, we're doing good. Like I've got a house, well, I've got a house that I rent, but I've got a house, my car's paid off. I can afford to get my one wheel.

• 23:47Caleb Hammer?

  Can you?

• 23:47Speaker 03

  Yeah.

• 23:48Caleb Hammer?

  You're eighty three thousand dollars of bad debt and that's holding you back from marriage. How can you afford that? Fine. What's the household spent? Well, first, actually, what's your, what's your job?

• 23:57Speaker 03

  Well, before I came here or before

• 23:59Caleb Hammer?

  What's your job, Jordan?

• 24:01Speaker 03

  When I called you guys or you called me.

• 24:04Caleb Hammer?

  I never called you in my life.

• 24:05Speaker 03

  Yeah, but like when you guys called me and you were like, hey.

• 24:09Caleb Hammer?

  Oh, she can't answer this question. Okay.

• 24:11Speaker 03

  Yes, I can.

• 24:12Caleb Hammer?

  I understand why these conversations at home never go well. You know, if you could just answer the title of the job.

• 24:17Speaker 03

  There's a story to why.

• 24:19Caleb Hammer?

  Did I ask for a story?

• 24:20Speaker 03

  I don't care if you did or not. Are you done? Can I talk? Thank you.

• 24:26Caleb Hammer?

  Zoom, zoom.

• 24:27Speaker 03

  So I got

• 24:27Caleb Hammer?

  Pretend like you're on a one wheel.

• 24:29Speaker 03

  I got laid off.

• 24:31Speaker 03

  And

• 24:32Caleb Hammer?

  So you do not have a job?

• 24:33Speaker 03

  No, I have a job.

• 24:34Caleb Hammer?

  What is your job?

• 24:36Speaker 03

  I got laid off and then the next week I got another job. So I

• 24:40Caleb Hammer?

  Why does it even matter?

• 24:42Speaker 03

  I'm a receptionist.

• 24:43Caleb Hammer?

  That's the answer. That's the answer. Nothing else answered. Nothing else mattered.

• 24:48Speaker 03

  Yeah, cuz now I make a little bit more money.

• 24:50Caleb Hammer?

  Who cares then about the what the? You're a receptionist.

• 24:54Speaker 03

  Yeah.

• 24:54Caleb Hammer?

  Well done. I'm proud of you.

• 24:55Speaker 03

  Thank you.

• 24:56Caleb Hammer?

  Those poor customers. What do you make?

• 24:58Speaker 03

  I make twenty-one an hour.

• 25:02Caleb Hammer?

  Okay, in Arkansas, especially not in the major metro area of Little Rock, I'm sure that stretches actually decently far. What hits per paycheck cycle and what is that paycheck cycle?

• 25:11Speaker 03

  It's so new that I don't know exactly what it's gonna be, but I estimate because the insurance costs more for my paycheck that it'll be about the same as what I made before. So probably like eleven fifty to twelve hundred a paycheck.

• 25:22Caleb Hammer?

  Okay, so two thousand four hundred.

• 25:24Speaker 03

  Mm-hmm.

• 25:24Caleb Hammer?

  Per paycheck. Okay, and you can justify spending a month and a half worth of income on a one-wheel?

• 25:32Speaker 03

  It's a hobby.

• 25:33Caleb Hammer?

  Does it?

• 25:34Speaker 03

  And it beats my soul, Caleb.

• 25:36Caleb Hammer?

  How does that equal it being okay if it's a month and a half worth of income?

• 25:41Speaker 03

  Well, I also dog sit on the side, so like I get extra income, but it's not consistent, so I don't count it.

• 25:46Caleb Hammer?

  Well, can we count it? Like?

• 25:48Speaker 03

  I try not to.

• 25:48Caleb Hammer?

  Well, what is like the monthly average for dog sitting?

• 25:51Speaker 03

  It varies cuz like I don't, it really varies. I don't know.

• 25:57Caleb Hammer?

  Okay.

• 25:58Speaker 03

  I varies. It could be like twelve hundred. It could be two hundred.

• 26:02Caleb Hammer?

  And Matt, what do you do for a living?

• 26:05Speaker 04

  I work at a botanical garden. I dig holes.

• 26:09Speaker 03

  He's a plant guy.

• 26:10Speaker 04

  Mm-hmm.

• 26:13Caleb Hammer?

  Okay, what do you make digging holes?

• 26:15Speaker 04

  Eleven fifty biweekly.

• 26:17Caleb Hammer?

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• 27:02Caleb Hammer?

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• 27:48Caleb Hammer?

  I went from filming on my kitchen table in my condo to renting out an entire office with multiple sets, a shit ton of full time employees and some big time sponsors. Now, how I dialed in the exact formula for making videos that gets hundreds of thousands of views every single time. From thumbnails and trailers to editing and audio. We've got this whole YouTube thing down to a science. And the thing about science is it's meant to be taught. In fact, I've been thinking about doing a little YouTuber academy for a while now, but I need your help first. If this is something that you're actually interested in, can you fill out the form linked below? It only takes about a minute and it'll let me know what I should actually include in the academy. So fill it out and stay tuned. Honestly, it helped me out and I want to help the next generation as well.

• 28:31Caleb Hammer?

  So if you want to be included, just feel free. So the household is 4,700. I mean, how we doing on 4,700 when we're spending an entire household's month of income on one wheels, honestly? I think we're doing great. Matt?

• 28:48Speaker 04

  Uh, it's been rocky.

• 28:52Caleb Hammer?

  What is the difference? Why, why are we very different sides of the coin? When it comes to how the household is doing?

• 28:57Speaker 03

  I guess I'm more optimistic and I just think it could be worse.

• 29:03Caleb Hammer?

  It could be worse. Why does that all of a sudden make something good though? That doesn't make any sense.

• 29:06Speaker 03

  It makes it better.

• 29:07Caleb Hammer?

  No, does it? I will say this, I, I use, like I say it every time. If you inject once a day versus three times a day, that doesn't make, even though it's better, good. That does not work.

• 29:22Speaker 03

  But it's still better.

• 29:23Caleb Hammer?

  If the United States consists with one nuclear bomb instead of four, it doesn't make it good.

• 29:27Speaker 03

  But it makes it better.

• 29:29Caleb Hammer?

  It does make it better, but how did, but you make, make it sound like it's good.

• 29:33Speaker 03

  Good for me. I'm doing, I think we're doing great.

• 29:36Caleb Hammer?

  The median household income is $70,000 in Springdale, Arkansas.

• 29:43Caleb Hammer?

  You guys aren't there. You're probably, I mean, Nat, you're like 55.

• 29:51Speaker 04

  Yeah, we need to make some changes.

• 29:54Caleb Hammer?

  But I'm just confused on what's so different. She's optimistic. What would you say you, okay, fine. How would you describe him?

• 29:59Speaker 03

  Um, conservative. He wants to like save, save, save, save.

• 30:05Caleb Hammer?

  And this is bad?

• 30:06Speaker 03

  No, I wouldn't say it's bad. It's just like, we can't go do fun things or like-

• 30:12Caleb Hammer?

  Not always. No, you can't spend a month and a half worth of income. I'm sorry, you can't. No one can do that. If I went to spend a month and a half worth of income, that would be insane.

• 30:20Speaker 03

  I wanted to enjoy that hobby with him.

• 30:22Caleb Hammer?

  He already had two. You absolute beast.

• 30:25Speaker 03

  And one of them sucked. It's like on its last leg.

• 30:28Speaker 04

  You weren't riding that one. You were riding the good one.

• 30:31Speaker 03

  And then that one started having problems.

• 30:33Caleb Hammer?

  Oh, for fuck's sake.

• 30:34Speaker 04

  It still runs fine.

• 30:36Caleb Hammer?

  Huh?

• 30:36Speaker 04

  It still runs fine.

• 30:37Speaker 03

  He says.

• 30:38Caleb Hammer?

  Well, I'm kind of trusting him right now because you seem like you twist things to make what you do acceptable.

• 30:45Speaker 03

  No.

• 30:46Caleb Hammer?

  Yeah.

• 30:46Speaker 03

  No, I don't.

• 30:48Speaker 04

  She has a very, uh, I'm gonna make it work mentality.

• 30:51Caleb Hammer?

  Uh huh, but yeah, nothing has ever worked. I mean, you thought you had $30,000 of debt as a household.

• 30:55Speaker 03

  Because I can make it work. I don't think it's that bad.

• 30:58Caleb Hammer?

  Okay, we know what comes in. What was spent last month?

• 31:03Speaker 03

  Um.

• 31:07Speaker 03

  Did I do dog sitting last month?

• 31:10Caleb Hammer?

  That's such a great question. A hundred bucks, just about. A hundred bucks of dog sitting is what I got.

• 31:18Speaker 03

  Oh, no, that's just, I usually get the rest through like Venmo.

• 31:23Caleb Hammer?

  Uh huh, it was a hundred dollars.

• 31:26Speaker 03

  Interesting.

• 31:27Caleb Hammer?

  Interesting. What was spent last month?

• 31:29Speaker 03

  Uh, probably like, see, I don't know, two thousand, twenty-five hundred.

• 31:36Caleb Hammer?

  She's, okay, you're literally gonna marry a [BLEEP] person.

• 31:39Speaker 03

  You can't say that.

• 31:41Caleb Hammer?

  Yes, I can.

• 31:42Speaker 03

  You can't.

• 31:44Caleb Hammer?

  Boot fits.

• 31:44Speaker 03

  That's literally every driver in this state then.

• 31:47Caleb Hammer?

  We don't listen to people that look like you anymore. I don't know if you know this, you've lost all the power.

• 31:53Speaker 03

  What does that even mean? Are you, is it a woman thing?

• 31:56Caleb Hammer?

  No, SJW thing.

• 31:59Speaker 03

  So you're sexist.

• 32:01Caleb Hammer?

  That I, I said SJW, is that women?

• 32:05Speaker 03

  Um, well, I mean, I don't know, I don't know what SJW is, but you like to talk over women all the time.

• 32:11Caleb Hammer?

  I talk over everybody, including myself.

• 32:14Speaker 03

  You can't talk over yourself.

• 32:15Caleb Hammer?

  Oh, yes, I do. And that's why I flub so many words.

• 32:19Speaker 03

  No, that's just a stutter. That's just because you don't know how to speak.

• 32:22Caleb Hammer?

  I talk faster than I think. I don't know what I'm saying half the time.

• 32:25Speaker 03

  Well, then maybe you should stop and think for a minute.

• 32:27Caleb Hammer?

  Go. So.

• 32:30Speaker 00

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

• 32:59Speaker 03

  Can't say that.

• 33:00Caleb Hammer?

  I can, I just did. What, what are you, what are you, back? And again, we don't listen to people like you anymore. We really don't. You guys have no power. You guys were like 0.5% of the population online.

• 33:10Speaker 03

  I don't even know what a shadew is.

• 33:12Caleb Hammer?

  You're a performative virtue signaling weirdo. We already know that.

• 33:17Speaker 03

  Is that just because, is that just because of the piercing and the color?

• 33:21Caleb Hammer?

  And the color and the weird earrings that you made in a shed.

• 33:25Speaker 03

  Um, no, actually I purchased them from a museum.

• 33:27Caleb Hammer?

  Well, that's even worse because they look like they were made in a shed. That is as clear as day.

• 33:33Speaker 03

  Support small businesses. Don't be rude.

• 33:34Caleb Hammer?

  Small businesses is someone in an attic that's set up at a farmer's market.

• 33:38Speaker 03

  Yeah, exactly. Support small businesses.

• 33:41Caleb Hammer?

  Okay, yeah. It's a lemonade stand version of earrings. Okay, so either way, these people, you're connecting yourself to one of them?

• 33:51Speaker 04

  Like I said, she's been doing a lot better.

• 33:53Caleb Hammer?

  What?

• 33:54Speaker 04

  A lot better.

• 33:54Caleb Hammer?

  Okay, you guys spent 5,000 hours when you brought in about 4,500. So that's a lot better? I don't want to know where we came from. Lot better? She spent 30, she spent a month and a half, month and a half of income on a one wheel? That's all, she's doing a lot better? She thinks you guys have 30?

• 34:08Speaker 03

  A month and a half of income? No, it wasn't because...

• 34:10Caleb Hammer?

  Of your income, you dumb creature. Listen.

• 34:14Speaker 03

  I thought we were joining incomes.

• 34:16Caleb Hammer?

  Depending, you guys aren't even married, but potentially.

• 34:18Speaker 03

  Yeah, but you're talking about a conjoin, so like, get your facts straight.

• 34:21Caleb Hammer?

  Well, you went and bought it without him. Okay, fine, you spent basically a month's worth of household income. That is still insane, disgusting, stupid in every way whatsoever.

• 34:28Speaker 03

  It was worth it.

• 34:30Caleb Hammer?

  Was it?

• 34:31Speaker 03

  Yes.

• 34:33Caleb Hammer?

  I looked at him and she's doing the classic, the person we hate most in this entire world thing.

• 34:39Speaker 04

  Well, she's happy on it, but uh, it is definitely a stark reminder that we could have used that money.

• 34:45Speaker 03

  Do you not like going on one wheel rides with me?

• 34:48Speaker 04

  Oh, I love it.

• 34:48Caleb Hammer?

  You had two, you absolute beast.

• 34:50Speaker 03

  He had two and one sucks.

• 34:53Caleb Hammer?

  So is it a combined income or not? Is it?

• 34:56Speaker 03

  Wanted to be.

• 34:56Caleb Hammer?

  Is it a combined income or not? Is it? Is it a combined household or not?

• 35:00Speaker 04

  Yeah, with bills.

• 35:01Caleb Hammer?

  Tell me. Is it?

• 35:02Speaker 04

  With bills.

• 35:02Caleb Hammer?

  It is, then it's the combined one wheels too. Then he had two, one's yours. There you go. You.

• 35:08Speaker 03

  At four months.

• 35:09Caleb Hammer?

  Oh my gosh.

• 35:12Speaker 03

  You can't just act like at four months, you're gonna marry someone.

• 35:15Caleb Hammer?

  She's can, you're acting like riding someone's one wheel is a marriage. If I touch your one wheel after this, did I fucking like diddle you?

• 35:23Speaker 04

  True, true.

• 35:25Caleb Hammer?

  Like, what is happening?

• 35:28Caleb Hammer?

  Like, I'm, how did the conversations go in this household around finances? Please tell me in extensive detail.

• 35:34Speaker 03

  So.

• 35:35Speaker 04

  I want, I want, I want. No, no, no, no, no.

• 35:39Speaker 03

  That's bullshit.

• 35:41Speaker 04

  Sometimes does it anyway.

• 35:42Speaker 03

  That is, alright, well, hmm, what about Seven Broom? Hmm?

• 35:48Speaker 04

  Well, uh, well, when I have the money in my account to, uh.

• 35:52Speaker 03

  If it's joint income, do we have the money in our account? I say yes, but then you're like, why did we do that?

• 35:59Speaker 04

  That's not how we set up our finances, though.

• 36:02Speaker 04

  We had a joint account for joint bills, but then separate accounts for personal income.

• 36:06Speaker 03

  Is it joint income or not joint income?

• 36:10Speaker 04

  It's joint.

• 36:11Speaker 03

  But you just said.

• 36:12Speaker 04

  And the things that we both have to pay.

• 36:15Speaker 03

  That sounds different to me.

• 36:19Speaker 04

  Alright, are you gonna open up a bank account with someone like just a roommate?

• 36:25Speaker 03

  No.

• 36:27Speaker 03

  But you're.

• 36:28Caleb Hammer?

  This is how the conversations go around finances again. So she says, I want, I want, I want, you say, no, no, no, and then what?

• 36:35Speaker 04

  Tends to happen anyway.

• 36:37Caleb Hammer?

  So you're domineering and you get what you want no matter what? And yeah, you probably pretend like you're a victim still in the end.

• 36:43Speaker 03

  Okay, I have never had victim mentality. First and foremost, you have, I'm sure, I've never had victim mentality. Mm-hmm. I am literally like, I say I'm like a crack addict who doesn't do crack because I can always make things work.

• 36:59Caleb Hammer?

  You look like you've done.

• 37:00Speaker 03

  No, I don't. I have all my teeth. I literally like, I'm not picking scabs.

• 37:07Caleb Hammer?

  Close your mouth. You look like you could be toothless.

• 37:09Speaker 03

  I used to have an underbite.

• 37:11Caleb Hammer?

  Oh, that's why.

• 37:12Speaker 03

  Yeah.

• 37:13Caleb Hammer?

  That doesn't make me feel sympathy for saying that. I'm sorry.

• 37:16Speaker 03

  Anyway, I don't need sympathy. I'm not a victim.

• 37:17Caleb Hammer?

  You, you said it like you wanted me to feel bad.

• 37:20Speaker 03

  That's not how the conversations go.

• 37:22Speaker 04

  Besides the point.

• 37:23Caleb Hammer?

  How do the conversations go?

• 37:24Speaker 04

  It's always, we're gonna, I'm gonna make it work.

• 37:26Caleb Hammer?

  Who says that?

• 37:27Speaker 04

  She says it.

• 37:27Speaker 03

  I always make it work.

• 37:28Caleb Hammer?

  Well, no, you thought you had 30,000 dollars that you spent more than you made. No.

• 37:32Speaker 04

  We get hit with our bills naturally every month. And then it's like,

• 37:36Caleb Hammer?

  Surprise.

• 37:37Speaker 04

  We have X amount of money, but maybe it's a little under and she's like, I'm gonna make it work. Not, we're gonna make it work, I'm gonna make it work.

• 37:44Speaker 03

  I do make it work.

• 37:45Caleb Hammer?

  You spent 500 dollars more than you guys brought in last month.

• 37:48Speaker 03

  Well, I probably brought in 500 from somewhere else in cash.

• 37:51Caleb Hammer?

  No.

• 37:54Speaker 03

  No, I'm pretty sure I didn't. Well, I'm pretty sure I did.

• 37:57Caleb Hammer?

  No.

• 37:58Speaker 03

  If I go back and look, I made a lot of money.

• 38:00Caleb Hammer?

  No.

• 38:01Speaker 04

  But here's the deal.

• 38:02Caleb Hammer?

  She just doesn't live in reality. How can we, how can we work with someone who doesn't live in reality?

• 38:07Speaker 03

  I do live in reality, but you try to make it seem like reality is much more harsh than it is. It's not.

• 38:12Caleb Hammer?

  What do you mean? I just have your numbers on paper done by an accountant. A woman accountant, by the way, so it can't even be sexist. So I don't want to hear that.

• 38:20Speaker 03

  Yeah, it's just the way you talk over people, specifically women. And you always talk down on women. So don't even play on me.

• 38:25Caleb Hammer?

  Pause for a second. I've been talking over you more than him, but you've been the obnoxious cunt and he hasn't been. So if he was being the-

• 38:33Speaker 03

  I hope that makes you feel better. I feel like you project your aggression onto your guests. Like, is there something going on? Are you okay?

• 38:40Caleb Hammer?

  Yeah, I have an annoying [bleep] in front of me. It's, it's, it's very obnoxious. So yes, I'm dealing with it.

• 38:45Speaker 03

  No, I feel like this is just calling that into you.

• 38:47Caleb Hammer?

  If he was the annoying one, I would be talking in, of, in front of him. I roast guys all the time. Again, she, she has the victim mentality. I can already hear. You got Reddit written all over you.

• 38:56Speaker 03

  I don't even use Reddit.

• 38:57Caleb Hammer?

  That's what they all say. It's written all over you. You were born into it, like the Matrix.

• 39:02Speaker 03

  Um, no. I've never used Reddit. I've never posted on Reddit. Nothing.

• 39:07Caleb Hammer?

  It's an example of just how you act. You're that brained.

• 39:11Speaker 03

  I think my green is beautiful.

• 39:12Caleb Hammer?

  We upload more women than men because we get more women applicants by far. Don't get me wrong. So yes, you probably see more examples there, but every time a guy's on the show, which are typically Wednesdays, I obliterate them the same exact way.

• 39:25Speaker 03

  Um, the reason you probably have more women is because women are not afraid of you. So they come on here.

• 39:29Caleb Hammer?

  Why would I want someone afraid? What are you talking about? You're using that like it's a-

• 39:33Speaker 03

  You yell at people and maybe guys are like, oh, I'm an alpha. I'm not gonna go on there and have some fucking nerd talk shit to me.

• 39:40Caleb Hammer?

  Maybe he stopped being a pussy and applied to come on the show. I don't know. I, okay.

• 39:42Speaker 03

  Yeah, apply and come on the show.

• 39:43Caleb Hammer?

  Yeah, okay.

• 39:44Speaker 03

  We need more men on the show.

• 39:44Caleb Hammer?

  So I, I don't know what, I don't know what point you're trying to get to. You're the annoying one in this conversation. That is why I am ripping you.

• 39:53Speaker 03

  Maybe we just don't mesh.

• 39:55Caleb Hammer?

  Match, huh?

• 39:56Speaker 04

  As you should.

• 39:57Caleb Hammer?

  And he hasn't been annoying.

• 39:59Speaker 03

  Okay. Whatever.

• 40:01Caleb Hammer?

  Well, he probably needs someone to stand up to you for the first time because he never has because he's probably a little bit of a pussy. I am getting little cuck vibes.

• 40:10Speaker 04

  Go fuck yourself.

• 40:11Caleb Hammer?

  Whoa, okay. There's some balls.

• 40:13Speaker 04

  If there's something meant to be said, it'll be said.

• 40:16Caleb Hammer?

  What?

• 40:16Speaker 04

  But I'm not gonna talk over someone who needs to talk over other people.

• 40:19Caleb Hammer?

  But the thing is, big guy, you say no, she does it anyway. So you're a pushover.

• 40:23Speaker 04

  All right.

• 40:24Speaker 03

  Sometimes.

• 40:26Speaker 03

  I, um, I feel like I do communicate though. I feel like, okay.

• 40:30Caleb Hammer?

  Okay, you communicate by saying you're doing something, then you do it, regardless of what he thinks.

• 40:34Speaker 03

  I tell him and he's like-

• 40:36Caleb Hammer?

  You cuck him.

• 40:37Speaker 03

  Do we have the money for it? And I'm like, yeah, I think we have the money for it. I think we'll be fine.

• 40:43Speaker 04

  Here's the deal.

• 40:44Caleb Hammer?

  You cuck him and you actually smell like a Halloween store somehow. It's very weird.

• 40:48Speaker 03

  It's Dubai chocolate body butter.

• 40:49Caleb Hammer?

  Ugh, it smells like spirit Halloween in here.

• 40:52Speaker 04

  So usually, uh, what happens is whenever I tell her no, she goes to somewhere else. So instead of cucking me, she's cucking-

• 41:01Caleb Hammer?

  When dad says no, she goes to ask mom, who is someone else?

• 41:04Speaker 04

  Who's someone else?

• 41:05Speaker 03

  I don't.

• 41:05Caleb Hammer?

  Who are you going and asking?

• 41:06Speaker 03

  What are you referring to?

• 41:07Caleb Hammer?

  What are you referring to?

• 41:08Speaker 04

  Uh, well, for example, we were out and about in the impulse, the impulse gratification hit her and she just wanted to get an HTO drink so bad.

• 41:17Caleb Hammer?

  Huh?

• 41:18Speaker 04

  Her mom was in the neighborhood.

• 41:19Caleb Hammer?

  HTO?

• 41:21Speaker 04

  It's some tea place.

• 41:22Speaker 03

  It's tea. You have one here. I'm pretty sure.

• 41:24Caleb Hammer?

  Oh, that's the cha- it's not that good.

• 41:26Speaker 03

  I like it sometimes.

• 41:28Caleb Hammer?

  HTO?

• 41:29Speaker 03

  When I'm not feeling seven brew, I'll get an HTO.

• 41:32Caleb Hammer?

  I thought you said he was the seven brew guy.

• 41:33Speaker 03

  He is, but if he goes and gets it.

• 41:35Caleb Hammer?

  So you do it together, so shut the [__] up.

• 41:36Speaker 03

  Yeah, but like.

• 41:37Caleb Hammer?

  Nah.

• 41:39Speaker 03

  He's saying like I go and ask other people, but HTO is literally like three dollars.

• 41:42Caleb Hammer?

  Okay, so yeah, what was this ask other people thing?

• 41:44Speaker 04

  Uh, she calls her mom, who is so conveniently in the neighborhood and she's like.

• 41:48Speaker 03

  Um, she was at the time.

• 41:50Caleb Hammer?

  Can I have some money for HTO? You're asking your mother for HTO money at 26?

• 41:57Speaker 03

  Yes.

• 41:59Caleb Hammer?

  You're a joke and you want to sit here and say that you guys are doing well and you're ready to move to the next step? You're a joke. You're asking your mother for money to get tea. The [__] is wrong with you?

• 42:09Speaker 03

  Honestly, I don't think a lot. I think I'm very emotionally aware. I think we're not that bad off. Um, and I don't think asking to borrow money here and there when you pay it back is like a big problem.

• 42:20Caleb Hammer?

  Back from your family to get bullshit though. It's not even for like a life necessity. And you guys make okay money.

• 42:26Speaker 03

  That was a very rare occasion. I usually ask her for help whenever we need groceries.

• 42:30Caleb Hammer?

  So clearly he finds it very important.

• 42:32Speaker 04

  Mm-hmm.

• 42:33Speaker 03

  That's because he doesn't like asking for help.

• 42:36Caleb Hammer?

  You shouldn't need to ask for help. You guys make okay money in a cheap area. No, you're not a medium income yet, yet for the area, but you guys are also like 25.

• 42:43Speaker 04

  And if we're gonna be independent as a couple,

• 42:47Speaker 04

  with like potentially a kid, pets.

• 42:50Caleb Hammer?

  A kid?

• 42:51Speaker 03

  Eventually. Eventually.

• 42:55Caleb Hammer?

  I can't even be a part of the conversation right now, guys.

• 42:57Speaker 03

  Eventually, like I'm saying when I'm like 28 or 29.

• 43:01Caleb Hammer?

  Why her?

• 43:04Speaker 03

  I'm pretty [__] amazing, first and foremost.

• 43:07Speaker 04

  So, she is pretty amazing. However.

• 43:12Speaker 04

  Everything except the finances. It's literally everything.

• 43:15Caleb Hammer?

  How she communicates. How can you guys have serious conversations? You communicate. You don't allow communication back.

• 43:23Speaker 04

  She talks herself.

• 43:24Speaker 03

  False, false, he shuts down.

• 43:26Speaker 04

  Well, she talks herself into a circle until she admits what's wrong. And then the instant gratification comes back and replants the seed and the cycle restarts.

• 43:35Caleb Hammer?

  Always thinking about planting seeds, aren't you?

• 43:37Speaker 03

  Everything's a plant.

• 43:38Speaker 04

  Your plant leaking all over the carpet.

• 43:40Caleb Hammer?

  Yeah, that was an issue this morning.

• 43:42Speaker 04

  They're overwatered. They're probably gonna die.

• 43:44Caleb Hammer?

  It's not gonna die. It's been with us for years. Thank you. His name is Henry. He's okay. I just named him now. But he is struggling this morning. It is true.

• 43:51Speaker 04

  What about those fish in that tank?

• 43:53Caleb Hammer?

  Ah, fish. Thank you.

• 43:55Speaker 03

  Cause it killed the other ones.

• 43:57Caleb Hammer?

  No, the other ones jumped because they're guppies and they jump, but all the levels on the water are perfectly fine. We do testing. Thank you.

• 44:03Speaker 04

  You didn't feed them.

• 44:04Speaker 03

  I like the shrimp though.

• 44:04Caleb Hammer?

  He was fed on Monday. He's getting fed today. You guys are weird. What are you talking about? What are you on about?

• 44:09Speaker 03

  Living things. Talking about?

• 44:14Caleb Hammer?

  Whoa, whoa, whoa. Okay, so she says you shut down. I told you, you cuck him. In conversations, you cuck him.

• 44:20Speaker 03

  No.

• 44:21Caleb Hammer?

  You get cut. And you allow yourself to be cucked? Do you get off on it?

• 44:24Speaker 04

  No, and she doesn't.

• 44:26Caleb Hammer?

  Well, she said she does.

• 44:27Speaker 03

  No, I didn't.

• 44:28Caleb Hammer?

  You said he shuts down because you go at him.

• 44:31Speaker 03

  I don't cuck him.

• 44:32Caleb Hammer?

  Yeah, cuck him.

• 44:33Speaker 03

  No.

• 44:33Speaker 04

  You said that, Caleb.

• 44:34Caleb Hammer?

  You're getting cucked, big guy. Why do you, why do you shut down?

• 44:38Speaker 04

  Uh, because whenever you hit a wall and she's running in circles, it's like, you just let her run in circles till she gets tired.

• 44:45Caleb Hammer?

  Yeah, you must be miserable to have conversations with. You're probably just buzzing, buzzing, buzzing, buzzing.

• 44:49Speaker 03

  Um, I would say that it's where he says, like, I'm running in circles. I'm not running in circles. I'm just trying to make sure that he understands what I'm communicating because I'm... If you say one thing and someone hears another thing, then it's like, there's a miscommunication there. But then he doesn't want me to do that because he thinks I'm reiterating and reiterating, and I don't think I'm reiterating.

• 45:11Caleb Hammer?

  So how often does he go to Seven Brew then?

• 45:13Speaker 03

  Uh, multiple times a week.

• 45:15Speaker 04

  Not anymore.

• 45:17Speaker 03

  Yes, we have.

• 45:20Speaker 04

  How many times do we go this month?

• 45:24Speaker 03

  Enough to get at least two free drinks.

• 45:30Speaker 03

  So at least 10.

• 45:35Speaker 04

  How many times have you gone to Seven Brew this month?

• 45:38Speaker 03

  We?

• 45:39Speaker 04

  We're not always going together. I've had Seven Brew, I think, twice this month.

• 45:46Speaker 03

  Okay, what about when I bring it to you at work? Because you're like, "Yeah, I could use a coffee."

• 45:52Speaker 04

  I could use a coffee.

• 45:53Speaker 03

  And then you're like, "I show up with the coffee, there are no objections there."

• 45:58Speaker 04

  But are you gonna return it and get the money back?

• 46:00Speaker 03

  No, you're just happy I brought you one. You don't object, so it's fine.

• 46:04Caleb Hammer?

  You think she ever spends behind your back?

• 46:06Speaker 04

  Uh, yes. I know she does. The one wheel.

• 46:11Speaker 03

  That...

• 46:13Speaker 03

  That was with love in hopes that we could do our hobby together.

• 46:16Caleb Hammer?

  Oh, what a cope.

• 46:17Speaker 03

  No, it was not.

• 46:19Caleb Hammer?

  You love.

• 46:19Speaker 03

  I thought he would be excited so that we could do the hobby together.

• 46:23Caleb Hammer?

  There was already one. What is wrong with her on this?

• 46:25Speaker 03

  But the other one was shitty. You'll understand.

• 46:30Caleb Hammer?

  You'll understa... How would I ever understand?

• 46:33Speaker 03

  You've just gotta try one.

• 46:35Caleb Hammer?

  I've been on one.

• 46:35Speaker 03

  No, I don't think you have.

• 46:39Caleb Hammer?

  I mean, I quickly got off it because I'm not good at it.

• 46:42Speaker 03

  You didn't try hard enough.

• 46:43Caleb Hammer?

  Well, probably. I mean, what?

• 46:47Speaker 03

  You didn't try hard enough.

• 46:48Caleb Hammer?

  She's broken, my god. What is going on with her?

• 46:49Speaker 03

  Imagine being able to do that with your girlfriend and go like on trails.

• 46:53Caleb Hammer?

  She does on one wheel.

• 46:54Speaker 03

  But if she did, being able to do that and like go and save on gas. Save on gas.

• 47:00Caleb Hammer?

  We don't live in that kind of area yet.

• 47:02Speaker 03

  So, it was a worth it purchase to me.

• 47:06Caleb Hammer?

  Okay, so any more spending behind your back do you think happens?

• 47:10Speaker 04

  Uh, yeah, there's been several, uh, like bakery purchases and sometimes it is with like good intent and heart to bring me some food or something throughout the day, but then for me,

• 47:21Speaker 03

  Every single time.

• 47:22Speaker 04

  In my point of view, I am as frugal as it gets. Like, aside from Seven Brew. Like, I take those things. Like, Seven Brew's like my thing, alright?

• 47:33Speaker 03

  Okay, what about when you're like, "Let's go to the bakery"?

• 47:36Speaker 04

  Um, yeah, whenever we have a little bit of money to spend that's left over from past month's expenses.

• 47:45Speaker 03

  But I feel that way when I go to the bakery and bring you stuff. That's what I feel like it's coming from. So what's the difference?

• 47:52Speaker 04

  It's a lot more.

• 47:53Speaker 03

  But what's the difference?

• 47:55Caleb Hammer?

  Guys, you spent $400 going out to eat. Misleny's bullshit could be video games, could be Magic the Gathering. You guys look like Magic the Gathering type of people.

• 48:03Speaker 04

  Not anymore. House fire took it all.

• 48:05Caleb Hammer?

  There we go. Okay, good.

• 48:08Caleb Hammer?

  I'm kidding. That sucks.

• 48:11Caleb Hammer?

  Misleny's bullshit, though. $1,342.

• 48:15Speaker 03

  Are grocery trips trips?

• 48:16Caleb Hammer?

  No, they're not. Misleny's bullshit.

• 48:19Speaker 03

  Walmart?

• 48:20Caleb Hammer?

  No, that's unknown usually. That's $1,120. This is confirmed bullshit. And then confirmed going out to eat. That is $1,742. And confirmed bullshit with your guys' income that's coming in, especially now that you have a higher income. You did it before. You're spending 40%, 40% on bullshit. And you want to move the relationship along? Good luck. No, you want bullshit. You want instant gratification. You want to f around. You want to hide shit behind each other's back. And you want to not be able to communicate and you want to cuck him.

• 48:51Speaker 03

  I don't cuck him and I don't want to cuck him. Don't be so fatic. Like you make everything out to be horrible. It's not.

• 48:59Caleb Hammer?

  Would you say 40% is not?

• 49:00Speaker 03

  Okay, it was a more.

• 49:01Caleb Hammer?

  You tit.

• 49:02Speaker 03

  It was, it was a month. You're a tit first and foremost and not even a good looking one. Second of all.

• 49:08Caleb Hammer?

  Says the cow.

• 49:10Speaker 03

  Moo. I don't give a, I think it's cute. I can take it out whenever I want and look normal.

• 49:17Speaker 03

  But that doesn't affect like anything. Okay, here. I don't think it's that bad because that last.

• 49:22Caleb Hammer?

  40%.

• 49:23Speaker 03

  Last month.

• 49:25Caleb Hammer?

  Oh my god.

• 49:26Speaker 03

  Shut up.

• 49:26Caleb Hammer?

  What is so special about last month? Every month is special.

• 49:29Speaker 03

  It was his birthday and so we spent more on going out to eat and stuff because.

• 49:34Caleb Hammer?

  Birthday? Fuck you. You're trying to get to marriage.

• 49:38Speaker 03

  I'm just saying it was not a typical spending month for us. We spent more because we were going out with friends, family and all that for a birthday.

• 49:45Caleb Hammer?

  It's a disgusting joke. And by the way, there is unique things every single month. You're gonna have a birthday month. There's gonna be a Christmas month. There's gonna be a holiday month. There's gonna be, there's always something special. There's gonna be an emergency month. He had surgery this year, right? There's gonna be a surgery month. There are things that always happen. There is no such thing as a typical month. If you do not allow yourself the budget, if you do not have any boundaries on anything, if you do not hold yourself accountable, shut your f up. You don't try.

• 50:07Speaker 03

  I do try.

• 50:08Caleb Hammer?

  You don't know what the word try is. People like you have never tried anything in their life. They just complain online. Well. Doesn't look like it.

• 50:15Speaker 03

  Yeah, well, we weigh about the same.

• 50:17Caleb Hammer?

  Doubt it. How much do you weigh?

• 50:19Speaker 03

  Like 215.

• 50:20Caleb Hammer?

  And how tall are you?

• 50:21Speaker 03

  510.

• 50:21Caleb Hammer?

  Okay, one, you're an inch taller, so that weight distributes more.

• 50:25Speaker 03

  That's a coke.

• 50:26Caleb Hammer?

  Two, I'm 5'9". Three,

• 50:30Caleb Hammer?

  I'm 210.

• 50:31Speaker 04

  Does an inch usually make a difference to you?

• 50:32Speaker 03

  Well, you also don't have tits, so, different.

• 50:34Caleb Hammer?

  Huh?

• 50:35Speaker 03

  You don't have tits, different.

• 50:36Caleb Hammer?

  Says who?

• 50:39Speaker 03

  Are you proud of that?

• 50:40Caleb Hammer?

  Yes, I'm 5'9" and 5 pounds shorter.

• 50:44Speaker 03

  I bet you feel good about that.

• 50:46Caleb Hammer?

  Feeling pretty good. Feeling pretty good. Feeling pretty good.

• 50:49Speaker 03

  Yeah, have you ever tried to lose weight?

• 50:51Caleb Hammer?

  I'm down 20 pounds. What do you think trying to lose weight is?

• 50:54Speaker 03

  I'm proud of you, but you should try harder.

• 50:59Speaker 03

  20 pounds is crazy.

• 51:00Caleb Hammer?

  At least the first noise out of my mouth isn't moo when I wake up.

• 51:04Speaker 03

  It's not.

• 51:05Speaker 04

  Inches and pounds don't affect our finances, though.

• 51:08Caleb Hammer?

  Well, they do, and she eats like a pig.

• 51:10Speaker 03

  I don't.

• 51:12Speaker 04

  She can't.

• 51:12Speaker 03

  Protein shakes are expensive.

• 51:13Speaker 04

  She can't actually eat like a pig anymore.

• 51:16Speaker 03

  I literally can't, like, eat like a pig.

• 51:23Speaker 03

  You're quiet. Do you have anything else to say?

• 51:25Caleb Hammer?

  Just observing you. I'm just letting you go. Just like him, he lets you run in circles until you get tired, kinda like a pig.

• 51:32Speaker 03

  Well, you should try running in circles. Maybe you lose more than 20 pounds. That's crazy.

• 51:36Caleb Hammer?

  Are we, are we hating weight loss?

• 51:40Speaker 03

  Just hating that you're not trying harder? You say, "I don't know how to try."

• 51:43Caleb Hammer?

  Well, you don't know how to try. Look at you.

• 51:45Speaker 03

  I do know how to try, just not at the right thing, maybe.

• 51:48Caleb Hammer?

  Only one thing. You can look at everything. I've tried to try. I've tried to grow a business. Oh, success. Tried to grow a top 10 channel on YouTube. Oh, I did, success.

• 51:55Speaker 03

  I'm also in college. I'm in college.

• 51:59Caleb Hammer?

  Yeah, you look like a permanent college student. We, we all know that.

• 52:01Speaker 03

  No, I just started, because I didn't want to waste money on student loans when I didn't know what I wanted to do.

• 52:05Caleb Hammer?

  Go to college during the day, protest at night, cancel people on TikTok on the weekend. We know you.

• 52:09Speaker 03

  No, you don't.

• 52:12Speaker 03

  If I were to read a book by its cover, yours would suck.

• 52:14Caleb Hammer?

  Also, you know how much it... What? Did you ju... That was the most middle school thing I've ever heard in my life.

• 52:19Speaker 03

  Well...

• 52:20Caleb Hammer?

  Is that what they teach in Kansas or wherever you're from?

• 52:22Speaker 03

  No, this is how I feel. You're judgy.

• 52:26Caleb Hammer?

  Yes, when there's a [bleep] in front of me, of course. Have you heard me judge him not that much? No, not that much in 49 minutes, cuz he's not horrendous.

• 52:33Speaker 03

  Because he doesn't do anything crazy with his appearance.

• 52:36Caleb Hammer?

  Well, no.

• 52:37Speaker 03

  I'm just gonna have fun.

• 52:37Caleb Hammer?

  Come on, he looks like he is trapped in a gaming dungeon.

• 52:41Speaker 03

  No, he doesn't.

• 52:43Caleb Hammer?

  But since he is...

• 52:43Speaker 03

  He's beautiful. I love him.

• 52:46Caleb Hammer?

  But since he is not being a piece of shit, I'm not going on him.

• 52:49Speaker 03

  I'm not being a piece of shit.

• 52:52Speaker 03

  I'm not being a piece of shit.

• 52:54Caleb Hammer?

  You know what's more expensive than holiday travel? Your phone bill. And if you're still paying hundreds of bucks a month just to text your mom, "I landed," then we need to talk. This holiday season, give yourself the gift of not getting ripped off. Helium Mobile is flipping the script on phone plans. You can literally start at $0 a month with their Zero Plan. No contract, no credit check, no hidden fees. Just real, reliable service. It's perfect for light users, travelers, or that second SIM you pretend you don't need but totally do. You got kids? Helium Mobile's got Sprout, a $5 a month plan designed just for them. So if they forget their lunch or their brain, at least they can call you. And the best part? Helium Mobile combines nationwide 5G with a community-powered network, which keeps the cost stupid low, like free-level low.

• 53:38Caleb Hammer?

  Plus, you can earn rewards called Cloud Points to spend on places like Amazon and Apple just by using your phone. So ditch the holiday surcharge and get connected for less, or nothing at all. Download Helium Mobile today at heliummobile.com. Let's get back to the episode. All right, let's be real. My morning routine used to be chaos. I'd wake up, drink a coffee, and immediately drive into a financial nightmare. But now I actually start my day with something that sets me up to not feel like a gremlin: AG1. AG1 is the daily health drink that combines your multivitamin, pre- and probiotics, superfoods, and antioxidants all into one green scoop. Which means, instead of juggling five different bottles, I can just mix it up and boom, daily nutrition handled. Routines fall apart this time of year when...

• 54:21Caleb Hammer?

  With all the holidays and travel, but AG1 helps me stay consistent. It is quick, it tastes good, and keeps my energy supported, digestion smooth, and my wallet closed on unnecessary supplements. It has been so great for my immune health and would be great for yours as well. AG1 has their best offer ever. If you head to drinkag1.com/caleb, you'll get the welcome kit, a morning person hat, a bottle of vitamin D3 plus K2, an AG1 flavor sampler, and you'll get to try their new sleep supplement, AGZ, for free, which has been a game changer for my nightly routine. That's drinkag1.com/caleb for $126 and free gift for new subscribers. Let's get back to the episode.

• 55:01Speaker 03

  Don't even.

• 55:02Caleb Hammer?

  Come on, dude.

• 55:02Speaker 03

  He's so.

• 55:03Caleb Hammer?

  He fertilizes his plants with you.

• 55:06Speaker 03

  He fertilizes something.

• 55:09Speaker 03

  And you're gonna talk about your little dungeon play or whatever you do?

• 55:13Caleb Hammer?

  What?

• 55:13Speaker 03

  Oh, degenerate. That's what you.

• 55:15Speaker 00

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

• 55:44Speaker 03

  Said.

• 55:45Caleb Hammer?

  Yeah, I'm a little degenerate. We love a gooner degenerate. What the fuck are we talking about?

• 55:49Speaker 03

  It's not, but in a different way.

• 55:50Caleb Hammer?

  You know how hard she tries? She tries so hard. She got banned from Klarna.

• 55:54Speaker 03

  I didn't.

• 55:54Speaker 04

  Heard about that.

• 55:55Caleb Hammer?

  Oh, this is a real try hard.

• 55:58Speaker 03

  That was a long time ago.

• 56:00Caleb Hammer?

  Okay, you're banned from Klarna.

• 56:03Speaker 03

  Um, I'm only banned until I pay it off.

• 56:05Caleb Hammer?

  Dude, you're banned from Klarna. That's insane. If that's even a status associated with someone, that's insane.

• 56:13Speaker 03

  That's not banned. It's just, hey, pay this and then you can use it again.

• 56:16Speaker 04

  I found out about the Klarna thing when she got the one wheel because I asked her if she could just use the financing option. That's the future motion the company uses. And she was like, I'm banned from Klarna.

• 56:27Speaker 03

  I didn't say banned. I just said I can't use it.

• 56:31Speaker 03

  I'm not banned.

• 56:34Speaker 03

  I'm not banned.

• 56:35Caleb Hammer?

  I need you to talk in circles. Please, keep going.

• 56:37Speaker 03

  It's not a circle.

• 56:39Caleb Hammer?

  Uh huh. No, the weight loss is good. Where were you? Where'd you start?

• 56:44Speaker 03

  360.

• 56:45Caleb Hammer?

  That's pretty big. Well, a big loss and really big to start.

• 56:49Speaker 03

  Yeah.

• 56:50Caleb Hammer?

  Did you meet her at that level? Hmm. Oh, that's good.

• 56:55Speaker 03

  Yeah, right?

• 56:56Caleb Hammer?

  Yeah, yeah, yeah, yeah. I met her at the, like,

• 57:00Speaker 03

  And I do try, okay? I can build good habits.

• 57:04Caleb Hammer?

  What is this not?

• 57:05Speaker 03

  I changed my whole life.

• 57:07Caleb Hammer?

  Ozempic?

• 57:08Speaker 03

  No.

• 57:09Caleb Hammer?

  But what? That's not a bad thing if you do. It's a tool.

• 57:11Speaker 03

  No, no. I had gastroparesis.

• 57:14Caleb Hammer?

  Ah, okay. Well, another tool.

• 57:17Speaker 03

  But, yeah.

• 57:18Caleb Hammer?

  But tools aren't bad. Tools aren't bad.

• 57:20Speaker 03

  I still, like, I changed my whole diet, my whole life.

• 57:23Caleb Hammer?

  Don't necessarily change behavior. That's the thing. Cause many people, uh, a lot of the gastro surgeries, you know, the vast majority eventually rebound is the thing because it's a tool that can help you get somewhere. Just like consolidation can help your bankruptcy can help here, but it doesn't change the behavior. It means you could end up being a fat again.

• 57:39Speaker 03

  Well, even though I did change my behavior a year prior to that, I didn't find out until, cause I did like a weight management or weight loss program to change like my whole lifestyle to see if I could lose it myself. And then they did like tests and they saw that my stomach actually didn't work. I gastroparesis, like my food wouldn't move. Um, so then they had to take off the part that wasn't working.

• 58:00Caleb Hammer?

  What do you guys think your hammer financial score is as a household? Uh, zero to 10, zero being the worst, 10 being the best. Where do we think we are, guys? Ladies first.

• 58:11Speaker 03

  No, you first.

• 58:13Caleb Hammer?

  Wow, okay.

• 58:14Speaker 03

  Cause he's wrong.

• 58:16Caleb Hammer?

  Okay, yes, you definitely seem like the person that is right. He was closer to the dead number.

• 58:22Speaker 03

  I've been in therapy for eight years. I'm probably right.

• 58:24Caleb Hammer?

  You're in an enablement therapy. I can tell.

• 58:26Speaker 03

  I'm not.

• 58:26Caleb Hammer?

  Again, we know people like you. You are the worst among our civilization. You are in enablement therapy. You're not having a therapy therapist that actually helps you.

• 58:35Speaker 03

  Wrong.

• 58:35Caleb Hammer?

  Ask for a score out of 10? Yeah, zero to 10, zero being the worst, 10 being the best. Three or four.

• 58:40Speaker 03

  Seven.

• 58:42Caleb Hammer?

  Oh, she's fuck. Oh, she's so.

• 58:45Speaker 03

  Could be homeless. Have money in my retirement.

• 58:48Caleb Hammer?

  She's so. She's so. She is so stupid. What is wrong? Why are you doing? What is happening? What is wrong with you? Oh, how? Oh, my goodness.

• 59:00Speaker 03

  Are you done having your little dramatic attack?

• 59:02Caleb Hammer?

  It's a dramatic attack of just look at you. How can you even say a seven? Seven would never come close to being on the show. What the? Wrong with you?

• 59:10Speaker 03

  Nothing. What?

• 59:13Caleb Hammer?

  Yeah, your therapy is, your therapy is not working because you have no self-reflection.

• 59:16Speaker 03

  It's working.

• 59:17Caleb Hammer?

  Objectively not. If you want your Hammer financial score, get it. Uh, at CalebHammer.com. See where you stand in the world of finances, where you need to improve, where you're already doing well, what you need to do to improve. It's just free. It just takes a few minutes. So check it out. And if you don't want to be like a guest who ends up on the show, make sure you download the Dollar Wise Budgeting app. It is the app that powers the show, changes tens of thousands of people's lives out there who are subscribed to it. You can take the free trial. New features launched every single month. See if you like it. And if you do, sign up for the annual version because that saves you a lot of money.

• 59:48Caleb Hammer?

  And when you do, I will personally sign my budget friendly cookbook and mail it directly to you.

• 59:52Speaker 03

  Can I have that?

• 59:53Caleb Hammer?

  Dollarwise.app. I don't want to tempt you with more food.

• 59:57Speaker 03

  Now I lost weight. I didn't think about that.

• 59:59Caleb Hammer?

  You did one thing. I'm very proud of you. Most of us accomplish much more.

• 1:00:01Speaker 03

  At least I go to therapy. A lot of people don't even try.

• 1:00:04Caleb Hammer?

  Yeah, but you're going to enablement therapy.

• 1:00:06Speaker 03

  I'm not.

• 1:00:07Caleb Hammer?

  Listen to how you speak.

• 1:00:08Speaker 03

  I used to, I used to think like I couldn't even work a full-time job because my anxiety was so bad. But look at me now. I'm a full-time student and a full-time employee, getting more than 40 hours a week at some points. So.

• 1:00:19Caleb Hammer?

  Oh, she's doing what everyone else does in college. I'm really proud of her. You should like really pat her on the back.

• 1:00:24Speaker 03

  Some people don't do any of that shit.

• 1:00:25Caleb Hammer?

  You're right. Okay. You're slightly better than the worst among us, but you're pretty much there. Okay, I ask PC, what's this? Whose is it?

• 1:00:34Speaker 03

  Technically not mine, but I'm the cosigner.

• 1:00:38Caleb Hammer?

  Oh, so it's on yours? So you're a cosigner? Do you have to pay for it, or does the ex, is this the water?

• 1:00:43Speaker 03

  He's paying for it now.

• 1:00:45Caleb Hammer?

  Now?

• 1:00:45Speaker 03

  Yeah, he wasn't paying for it for many months.

• 1:00:48Caleb Hammer?

  So it's your credit. Yeah, there you go. One, two, three, four, five, in fact, this year so far. Which is your credit?

• 1:00:54Speaker 03

  Well, it was in the first place, so.

• 1:00:56Caleb Hammer?

  Twelve thousand four hundred and forty-two dollars. So what's, wait, what the fuck, how much?

• 1:01:02Speaker 03

  It was originally like-

• 1:01:03Caleb Hammer?

  Colton, you got a water system, right? How much was that? Six thousand. What the fuck did you get?

• 1:01:08Speaker 03

  It was like the water system that softens your water, and then it was also like a reverse osmosis.

• 1:01:12Caleb Hammer?

  Girl, you make twenty-four hundred a month. What the fuck are you doing? And that is high for you. You were making less. Again, this is what you're attaching yourself to? Look at that line. That's wild. I've never seen anything like that. What are you doing? Are you just down here all the time? Uh-uh. You're just like, you're fucking gooning at that computer all day.

• 1:01:27Speaker 03

  He's always looking in the dirt.

• 1:01:28Caleb Hammer?

  You have an incredible line right here. Do that again? I'm not gonna do anything you say. That's right.

• 1:01:34Speaker 03

  He's just in the dirt all the time.

• 1:01:38Caleb Hammer?

  I respect them. I respect them. If you would like to repot that later, we would appreciate it. It needs a bigger pot.

• 1:01:42Speaker 03

  He totally would.

• 1:01:43Caleb Hammer?

  It needs a bigger pot. We just don't have one. I'm up for higher. Huh? I'm up for higher. You're up for her? Higher. Higher?

• 1:01:50Speaker 03

  Yeah, a job.

• 1:01:52Caleb Hammer?

  Take care of your plants.

• 1:01:54Speaker 03

  He'll be your plant guy.

• 1:01:55Caleb Hammer?

  So, uh, this is brutally expensive. What's the interest rate on this?

• 1:01:58Speaker 03

  I don't know.

• 1:02:01Caleb Hammer?

  It was a hundred and nineteen days late. Mm-hmm.

• 1:02:04Speaker 03

  I don't know. I literally don't know anything about that.

• 1:02:06Caleb Hammer?

  It went up so much, it's a hundred and thirteen-

• 1:02:08Speaker 03

  Listen, I messaged him, that little puss boy, I messaged him and I was like-

• 1:02:12Caleb Hammer?

  This beast.

• 1:02:13Speaker 03

  I literally was like, hey, you need to figure out how to get my freaking name off of that, because it's not mine and I don't live there.

• 1:02:19Caleb Hammer?

  You cosigned. It's not up to him to get the name off. Here's a deal.

• 1:02:23Speaker 03

  Um, okay.

• 1:02:24Caleb Hammer?

  Here's a deal.

• 1:02:26Speaker 04

  No ring on the finger, that's gonna kill the credit. My credit.

• 1:02:31Caleb Hammer?

  Uh, well, it, it wouldn't. A ring on the finger wouldn't kill your credit.

• 1:02:35Speaker 04

  But all the other debts.

• 1:02:37Caleb Hammer?

  Um, no, what it could do is if you guys ever get assets together, depending on the laws in Missouri, right?

• 1:02:43Speaker 03

  Arkansas.

• 1:02:44Caleb Hammer?

  Arkansas. Yeah, this is one of those. But, yeah, you guys live where Boogie lives, that's right.

• 1:02:50Speaker 03

  I don't even know who that is.

• 1:02:52Caleb Hammer?

  Well, look outside, trust me, you'll see him.

• 1:02:54Speaker 03

  I'm not gonna lie, I really don't know how like, I don't know how it would fuck up a marriage. I really don't, I don't.

• 1:02:59Caleb Hammer?

  No, no, okay, yeah, if there are assets owned and you die, he would have to settle your debts oftentimes to get access to the assets.

• 1:03:06Speaker 03

  I don't plan on dying, so I think we're fine.

• 1:03:08Caleb Hammer?

  Believe it or not, that's not usually how that works.

• 1:03:10Speaker 04

  Mm-hmm.

• 1:03:15Caleb Hammer?

  Why can't you follow instructions?

• 1:03:17Speaker 04

  I did.

• 1:03:18Speaker 03

  He has ADHD, he has work.

• 1:03:21Caleb Hammer?

  I swear. This show obviously attracts the worst of the worst.

• 1:03:25Speaker 03

  Um, no, there's been way worse, okay? I'm not making all the excuses under the sun.

• 1:03:30Caleb Hammer?

  You even reminded him in the green room.

• 1:03:33Speaker 03

  What?

• 1:03:33Caleb Hammer?

  To mute his phone. Colt insane.

• 1:03:36Speaker 03

  Uh, I.

• 1:03:37Caleb Hammer?

  Why would you, oh, can I have some advice? You say, um, don't put a ring finger on it until all this is taken care of, right?

• 1:03:42Speaker 04

  Mm-hmm.

• 1:03:43Caleb Hammer?

  May I just advise not to put a finger on that ring?

• 1:03:46Speaker 03

  A, a finger on the ring?

• 1:03:48Caleb Hammer?

  A ring on that finger. May I just advise that?

• 1:03:51Speaker 04

  Um, nothing's happening until things get fixed.

• 1:03:54Caleb Hammer?

  May I just suggest that nothing hap- and?

• 1:03:58Speaker 04

  You can suggest?

• 1:03:59Speaker 03

  Your opinions are not that

• 1:04:02Speaker 03

  valid, I don't feel like.

• 1:04:03Caleb Hammer?

  Are they valid?

• 1:04:04Speaker 03

  No. They don't really matter.

• 1:04:06Caleb Hammer?

  Then why are you here?

• 1:04:08Speaker 03

  Like, opinions on our relationship?

• 1:04:11Caleb Hammer?

  Well, that's

• 1:04:12Speaker 03

  He's.

• 1:04:12Caleb Hammer?

  Everything right now is your relationship.

• 1:04:15Speaker 04

  We're here to get help.

• 1:04:18Speaker 04

  Big bag of shh, with your name on it.

• 1:04:21Speaker 03

  Don't shush me.

• 1:04:25Speaker 03

  Interesting.

• 1:04:26Speaker 04

  So the water system.

• 1:04:27Caleb Hammer?

  What? What's gonna happen on the car ride home now? No cucking for him tonight?

• 1:04:32Speaker 03

  Pussies.

• 1:04:35Speaker 03

  We're gonna go to Buc-Ee's.

• 1:04:36Caleb Hammer?

  Of course you are. You're gonna blow a bunch of money on Buc-Ee's. That's great. What's the minimum to payment on here that usually?

• 1:04:42Speaker 03

  Uh, I think it was like a hundred and... I wanna say a hundred and fifty, maybe.

• 1:04:51Caleb Hammer?

  So, a hundred and fifty. And I'm not gonna mark it down as a minimum payment you have to make. Now, why was he late and why did he restart?

• 1:04:57Speaker 03

  Um...

• 1:04:59Speaker 03

  We split up and he wasn't making payments, um, on the thing.

• 1:05:07Speaker 03

  I don't know. I'm gonna be honest.

• 1:05:08Caleb Hammer?

  What if he stops again?

• 1:05:11Speaker 03

  Uh, I don't know. I'm not paying it. I don't live there. I don't live there. It's not my house.

• 1:05:16Caleb Hammer?

  It's your credit, dude. It's not...

• 1:05:17Speaker 03

  But it's not my house.

• 1:05:18Caleb Hammer?

  It doesn't matter. It's your credit. It affects everything you do in the future, debt-wise.

• 1:05:23Speaker 03

  I don't know. He, he quit paying it and I don't know why. He was like depressed or something. I got him into therapy and, um, we ended up splitting up in like the last three to four months of our relationship, or if you could call it that. I was living out of my car until I got into my next apartment, so... Cause I wa- I didn't wanna be around him.

• 1:05:42Caleb Hammer?

  This means literally nothing. You're not getting a sob story and I don't give a fuck.

• 1:05:46Speaker 03

  I'm just saying, like, I don't know why he quit paying it.

• 1:05:47Caleb Hammer?

  It doesn't matter what if he stops again, was the question.

• 1:05:51Speaker 03

  I'm not paying it. That's not my water system.

• 1:05:54Caleb Hammer?

  It literally is, actually, legally.

• 1:05:55Speaker 03

  Well, I can't go get it. I can't just go take it out of the house.

• 1:05:58Caleb Hammer?

  No, but you owe. You owe.

• 1:06:01Speaker 03

  I'm not paying that. It's not mine. I don't wanna pay on it.

• 1:06:05Caleb Hammer?

  This is, again, what you are selecting. This, this mature creature, this very mature creature in front of me, is what you're selecting to make all of life's choices with in the future.

• 1:06:16Speaker 04

  She's not all that. She's not her past mistakes.

• 1:06:19Caleb Hammer?

  What? No, she is saying right now she will not pay for it, a debt that she would owe on. That's not her past, that's her future.

• 1:06:25Speaker 03

  Well, I can cross that bridge when I get there.

• 1:06:26Caleb Hammer?

  Well, you're literally saying you would not do it now, and I don't know if the bridge could hold you.

• 1:06:29Speaker 03

  That, you're one to talk. We're like a five-pound difference. Calm down.

• 1:06:33Caleb Hammer?

  Yeah, with one inch as well.

• 1:06:35Speaker 03

  You can use a couple more, I'm sure.

• 1:06:38Caleb Hammer?

  One inch is huge! Right, my guy? Right? Right?

• 1:06:45Speaker 03

  That's unfortunate.

• 1:06:47Speaker 04

  It's average.

• 1:06:51Caleb Hammer?

  We love an average king. Why do you owe money to your grandma? That's not average.

• 1:06:55Speaker 03

  Um, I got into an apartment that I thought I could afford and I couldn't.

• 1:07:02Caleb Hammer?

  She can't do anything. She can't do anything. Eight thousand bucks, by the way, is a lot of money. It's a lot of money. How much did you not afford? That's crazy. Eight thousand isn't a month of rent.

• 1:07:13Speaker 03

  It was like piling up like.

• 1:07:14Caleb Hammer?

  How many months of rent weren't you paying? Why weren't you paying rent?

• 1:07:17Speaker 03

  I was paying rent.

• 1:07:19Caleb Hammer?

  Then what's the struggle?

• 1:07:20Speaker 03

  There was like, I was falling behind because it was so expensive.

• 1:07:24Caleb Hammer?

  How much? Cause eight thousand is crazy.

• 1:07:26Speaker 03

  So, okay, so there was a lot of things like this apartment.

• 1:07:29Caleb Hammer?

  Oh, you bailed on your lease?

• 1:07:30Speaker 03

  Mm-hmm.

• 1:07:30Caleb Hammer?

  Well, that's why. Why'd you bail?

• 1:07:33Speaker 03

  Because I couldn't afford to live there anymore.

• 1:07:35Caleb Hammer?

  What was your rent?

• 1:07:36Speaker 03

  Fourteen hundred.

• 1:07:38Caleb Hammer?

  How could you possibly even sign up for that if you were making even less than you make now? Fourteen hundred? Fuck you, that's insanity.

• 1:07:44Speaker 03

  That was for a one bedroom.

• 1:07:46Caleb Hammer?

  Okay.

• 1:07:47Speaker 03

  Which is like crazy.

• 1:07:48Caleb Hammer?

  I agree. You're stupid for signing up for that.

• 1:07:51Speaker 03

  Well, it was the only place that had that. It was the only place that would approve me with a low like deposit.

• 1:07:56Caleb Hammer?

  Well, then.

• 1:07:56Speaker 03

  I didn't have a lot of money.

• 1:07:57Caleb Hammer?

  Then why are you all okay with up your credit even more in the future? Cause that's gonna limit your opportunities, just like that did. And then you got fucked.

• 1:08:04Speaker 03

  What's gonna limit my opportunities?

• 1:08:06Caleb Hammer?

  Oh, my gosh. Your credit score getting worse? If this dude doesn't pay and then you don't pay.

• 1:08:10Speaker 03

  Uh, like I said, I'll cross that bridge when I get there.

• 1:08:12Caleb Hammer?

  Okay, you're obsessed with this bridge. You'd already told me you would not pay.

• 1:08:16Speaker 03

  I don't want to pay and as of right now, I wouldn't pay.

• 1:08:19Caleb Hammer?

  Well, there you go. That obviously, your credit fucked you with this apartment. Then you got into a bad apartment you couldn't even afford, which I don't even know why you'd sign it in the end, but.

• 1:08:26Speaker 03

  It had a little yard and I needed a yard for my pets.

• 1:08:29Caleb Hammer?

  No.

• 1:08:30Speaker 03

  Yes.

• 1:08:30Caleb Hammer?

  No.

• 1:08:31Speaker 03

  Yes.

• 1:08:31Caleb Hammer?

  No.

• 1:08:32Speaker 03

  Yes.

• 1:08:32Caleb Hammer?

  Ivory's dog in apartment, two, two apartments. One condo, one apartment, no yard, go for walks.

• 1:08:40Speaker 03

  One of them is terrified of going on walks. I literally have tried to desensitize him. He's just a freaking crackhead. I don't know. Like putting a harness on him, he freaks out.

• 1:08:50Caleb Hammer?

  Oh my gosh, then you obviously should not have gotten that dog.

• 1:08:55Caleb Hammer?

  Cause you can't afford to take care of it.

• 1:08:56Speaker 03

  I can.

• 1:08:58Caleb Hammer?

  No, no, objectively, no. Okay, is there an agreed upon minimum payment with grandma? Or how does this work?

• 1:09:04Speaker 03

  No, it's like.

• 1:09:06Speaker 04

  Yeah, we set it in our budget.

• 1:09:09Caleb Hammer?

  Budget. You spent 500 more than you made last month. What budget?

• 1:09:13Speaker 03

  The one we tried to stick to.

• 1:09:18Speaker 04

  Once the year starts, 2026, we have it set up to put away 150 a month.

• 1:09:25Speaker 03

  Okay. They want us to put it into like a savings account instead of paying it back. And then once we have that amount saved.

• 1:09:30Caleb Hammer?

  It's such an enablement, piece of shit mentality. I get they're doing it out of a place of love, but it's, it's not good. You should pay them back. Okay, what is this? Okay. To someone's dad, 4,275. Why? Well, 675 for moving, 1,400 for dental work.

• 1:09:46Speaker 03

  Okay.

• 1:09:46Caleb Hammer?

  Wait, 2,200 for the one wheel?

• 1:09:50Speaker 03

  That's now 1,900.

• 1:09:52Caleb Hammer?

  You owe on this one wheel?

• 1:09:53Speaker 03

  Yeah, I'm paying the payments right now.

• 1:09:55Caleb Hammer?

  What a joke. What a joke to your father. You borrowed money from your father for the one wheel?

• 1:10:00Speaker 03

  No, I don't know. He just financed for me and I pay the payment.

• 1:10:03Caleb Hammer?

  You what? What's your minimum payment?

• 1:10:06Speaker 03

  280.

• 1:10:10Caleb Hammer?

  And then are you gonna roll that 280 into the rest of those debts from the dental and moving?

• 1:10:13Speaker 03

  That's the plan, yes.

• 1:10:15Caleb Hammer?

  Oh, you are a beast.

• 1:10:17Speaker 03

  Well, I'm getting extra pay right now, so I was actually gonna pay it off early.

• 1:10:20Caleb Hammer?

  Why would he even do that for you? Cause it's so enabling, such bad decision making. Why would he even do that?

• 1:10:26Speaker 03

  Because he, he saw how much fun I was having going one way.

• 1:10:29Caleb Hammer?

  I'm gonna call him in the post show.

• 1:10:30Speaker 03

  No, you're not.

• 1:10:30Caleb Hammer?

  Yes.

• 1:10:31Speaker 03

  No.

• 1:10:31Caleb Hammer?

  Yeah.

• 1:10:32Speaker 03

  No.

• 1:10:32Caleb Hammer?

  Oh, yes.

• 1:10:33Speaker 03

  No.

• 1:10:33Caleb Hammer?

  Why? Why?

• 1:10:36Speaker 03

  I don't think he'll answer the phone.

• 1:10:37Caleb Hammer?

  Well, we'll double. Text him right now. Say, expect a call in 30 minutes.

• 1:10:44Speaker 03

  I don't.

• 1:10:45Caleb Hammer?

  Call him.

• 1:10:47Caleb Hammer?

  We need to stop this enablement.

• 1:10:50Caleb Hammer?

  Text him.

• 1:10:51Speaker 03

  He won.

• 1:10:51Caleb Hammer?

  There it is.

• 1:10:55Caleb Hammer?

  I'm sure he's disappointed in

• 1:10:56Speaker 03

  He is not disappointed. I'm paying it.

• 1:10:59Caleb Hammer?

  Uh huh. Get the debt yourself then, bud.

• 1:11:03Speaker 03

  I'm paying it though. If I wasn't, that's a different story. I'm not having him pay for it.

• 1:11:08Caleb Hammer?

  Listen, you guys don't have a budget. You're not part of budget. I'll put you guys through Master Your Money. It's our, it's our program that goes through mastering your debt, mastering your budgeting, mastering your investing, mastering your real estate, mastering your job opportunities. So we'll put you through that whole program. Um, and that also comes with the premium version of the Dollar Wise Budgeting app. You guys get that forever. Um, so check it out and join the community there.

• 1:11:31Speaker 04

  Thank you.

• 1:11:32Caleb Hammer?

  All that at Calebhammer.com obviously, but um, yeah. I also get you guys the Fizz Card because obviously you guys can't manage debt to save your life. Good. Thank goodness. Better be managing it well.

• 1:11:43Speaker 03

  Yeah.

• 1:11:44Caleb Hammer?

  So you texted him?

• 1:11:46Speaker 03

  Yeah.

• 1:11:46Caleb Hammer?

  Good.

• 1:11:47Speaker 03

  We'll see what he says.

• 1:11:48Caleb Hammer?

  Good. Now you're nervous.

• 1:11:50Speaker 03

  Yeah, I love my dad.

• 1:11:52Caleb Hammer?

  Well, good. And I want him to love you too, but not by enabling you. This doesn't change the love. This, we need to get you on a better place and have your relationship not be abused.

• 1:12:03Speaker 03

  I don't think it's abused.

• 1:12:04Caleb Hammer?

  Yes, you do. You do. You, you abuse it. Yes, you do. Yes, you do. Not intentionally in like a manipulative bad way, but you are doing it.

• 1:12:12Speaker 03

  No, I'm not.

• 1:12:14Caleb Hammer?

  She's not willing to take any piece of feedback, by the way. Like, I wasn't even gooning on her that time. And she's not even willing to accept it.

• 1:12:20Speaker 03

  I'm not taking advantage of that. If he doesn't agree with it, he tells me no.

• 1:12:24Caleb Hammer?

  No, he's, he's thinking he's doing it out of love. He loves his daughter.

• 1:12:31Caleb Hammer?

  Yeah, let's keep going.

• 1:12:34Caleb Hammer?

  What's this? Okay, a list of collections. What the fuck am I looking at? The fuck am I looking at? Okay, Capital One in collections. You don't even know how much?

• 1:12:45Caleb Hammer?

  World Finance Loan? Huh?

• 1:12:47Speaker 03

  That's my legal name.

• 1:12:49Caleb Hammer?

  Oh, I don't know why that was in there then. Uh, something fine, uh, a world finance loan. What the is this? Open in 2024 and that already went in collections?

• 1:12:58Speaker 00

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• 1:13:28Caleb Hammer?

  It was for you and your ex.

• 1:13:29Speaker 03

  Okay, yeah, so he, when we were together, he went through like, uh, he tried to do this debt relief thing.

• 1:13:36Caleb Hammer?

  Which can be good depending, but you have to change your behavior.

• 1:13:39Speaker 03

  But they told me to stop paying my debt.

• 1:13:42Caleb Hammer?

  Yeah, sometimes they, yeah, for negotiation, yes.

• 1:13:44Speaker 03

  And then it went to collections.

• 1:13:47Caleb Hammer?

  Yep. But you have to go through the debt relief program.

• 1:13:50Speaker 03

  But they never told me that they weren't paying on mine. They added mine, but then they said they weren't paying on mine because

• 1:13:54Caleb Hammer?

  What?

• 1:13:55Speaker 03

  he had them remove it.

• 1:13:59Caleb Hammer?

  Post breakup?

• 1:14:00Speaker 03

  Yeah.

• 1:14:01Caleb Hammer?

  Well, yeah.

• 1:14:02Speaker 03

  And they hadn't settled.

• 1:14:03Caleb Hammer?

  Well, that'd be weird that it would be a part of his debt relief program and process.

• 1:14:06Speaker 03

  Well, that's what I thought, but they said they would add it on just for us to have one payment. And so then it was already in collections. I was like, what do I do now?

• 1:14:17Speaker 04

  How much do you have in collections?

• 1:14:19Caleb Hammer?

  That's a great question. Cause I don't know. No, you don't have numbers on here. This is a Google Doc where you're just like, you know? Wakefield and Associates, is that legal?

• 1:14:29Speaker 03

  Um, how much is it?

• 1:14:31Caleb Hammer?

  Originally Pathford Medical.

• 1:14:34Speaker 03

  Yeah, it was radiology.

• 1:14:37Speaker 03

  I don't know what for though.

• 1:14:38Caleb Hammer?

  What?

• 1:14:39Speaker 03

  It was a medical thing. I don't know what it was for though.

• 1:14:44Caleb Hammer?

  How do you not know?

• 1:14:45Speaker 03

  Because I did, I don't know. I go to the doctor a lot. So I don't remember what it was for.

• 1:14:52Caleb Hammer?

  Was she testing her tarde levels? Can you call and like, be like, hey, what is this for?

• 1:14:58Speaker 03

  It's already in collections. Does it matter now?

• 1:15:00Caleb Hammer?

  Um, well, yeah, it's credit and none of these are old. None of these are that old. They're gonna take forever to fall off. Credit Bureau Systems, seven, seventy-seven.

• 1:15:11Speaker 03

  Is that from 2024?

• 1:15:12Caleb Hammer?

  Yeah, the medical, yes. Yes!

• 1:15:15Speaker 03

  I thought Wakefield was from before that.

• 1:15:17Caleb Hammer?

  No! Mid Armor Accounts, thirty-seven. Are these in collections or are these loans?

• 1:15:25Speaker 03

  Loan.

• 1:15:26Caleb Hammer?

  Okay, so what the fuck is this? So I, uh, Petlands.

• 1:15:29Speaker 03

  I got a dog. I shouldn't have gone in.

• 1:15:32Caleb Hammer?

  No, you shouldn't. You can't afford a dog to save your life. Cause you owe eight thousand fifty-nine dollars on this. Where the credit limit is seven hundred. That, or seven thousand. You owe eight thousand where the credit limit is seven thousand.

• 1:15:44Speaker 03

  I didn't pay on it.

• 1:15:45Caleb Hammer?

  Yeah, no, it was the minimum payment, tit.

• 1:15:47Speaker 03

  I don't know. They closed it.

• 1:15:49Caleb Hammer?

  Oh, it's cool. So it's just, it's gonna go to collections. You're okay with that? You're just gonna let it sit there?

• 1:15:53Speaker 03

  I think it's already there.

• 1:15:54Caleb Hammer?

  You're not, you're, she's not gonna do, you, again, this? This? Look at this behavior. Look at her mindset. She doesn't give a, she still borrows from mom to go.

• 1:16:04Speaker 03

  I do give a.

• 1:16:04Caleb Hammer?

  You go to the tea place every day and you borrow mom for it?

• 1:16:06Speaker 03

  I don't go to the tea place every day.

• 1:16:07Caleb Hammer?

  And you borrow from mom for it instead of actually taking care of your dad ever?

• 1:16:11Speaker 03

  I'm working on it.

• 1:16:13Caleb Hammer?

  No, you're not! Work harder.

• 1:16:16Speaker 03

  You work harder.

• 1:16:17Caleb Hammer?

  I do. Does, does he work harder? Than you?

• 1:16:21Speaker 03

  Not on his seven brew habits.

• 1:16:24Caleb Hammer?

  As of lately.

• 1:16:27Speaker 03

  How frequent is lately?

• 1:16:30Caleb Hammer?

  Hmm, this past month.

• 1:16:33Speaker 03

  We have gone more in this past month.

• 1:16:38Speaker 03

  Then in a while, I feel like. So that's not true.

• 1:16:41Caleb Hammer?

  No, you made your dad co-sign on that loan and you didn't pay it? You're a horrible person.

• 1:16:46Speaker 03

  I didn't know how co-signing worked back then.

• 1:16:47Caleb Hammer?

  What? It's your second time. How did you not learn?

• 1:16:49Speaker 03

  No, that was my first time.

• 1:16:51Caleb Hammer?

  Then, then your second, then you couldn't make the excuse for the other one when you co-signed on the water?

• 1:16:54Speaker 03

  They didn't tell me what it-

• 1:16:55Caleb Hammer?

  No, what? They would never tell you. Why can't you-

• 1:16:57Speaker 03

  Cause I didn't know.

• 1:16:58Caleb Hammer?

  Why do you have no ability for any, any ability?

• 1:17:01Speaker 03

  I thought it was just for approval, not responsibility.

• 1:17:04Caleb Hammer?

  You can't do anything unless someone sits you down and holds your hands. You're incapable of doing anything. So far, that's what your excuses have been, that you can't do anything.

• 1:17:12Speaker 03

  No, I can do things.

• 1:17:14Caleb Hammer?

  No, unless someone sits you down.

• 1:17:15Speaker 03

  I just didn't have the right resources or didn't know where to look.

• 1:17:17Caleb Hammer?

  Resources is Google. Are you actually stupid?

• 1:17:19Speaker 03

  I didn't know where to look.

• 1:17:20Caleb Hammer?

  Google! Everything is Google. Oh, you are a, what is wrong with you?

• 1:17:25Speaker 03

  Nothing.

• 1:17:25Caleb Hammer?

  She, your kid will die in her hands.

• 1:17:28Speaker 03

  That's false.

• 1:17:29Caleb Hammer?

  No, she can't do anything. She'll be like, I don't know how to breastfeed. I'm gonna give up.

• 1:17:32Speaker 03

  That's bull.

• 1:17:33Caleb Hammer?

  And that's it. She won't look it up. She won't ask anyone. She's just done. If she can't figure it out, she would just, ugh.

• 1:17:38Speaker 03

  My mom's a nurse, so like, I know what to do.

• 1:17:41Caleb Hammer?

  Oh my gosh. So again, without someone holding your hand, you wouldn't be able to do it?

• 1:17:44Speaker 03

  Yes, I would.

• 1:17:45Caleb Hammer?

  You are so broken.

• 1:17:47Speaker 03

  You wouldn't either.

• 1:17:48Caleb Hammer?

  Yes, I look things up, you idiot. You idiot. I learn things all the time and I don't know.

• 1:17:53Speaker 03

  I have only started getting financially literate-

• 1:17:54Caleb Hammer?

  You idiot! You are an idiot. He's a dick.

• 1:17:57Speaker 03

  Sometimes, but, but not always. I just don't feel like, I feel like I'm not that bad.

• 1:18:04Caleb Hammer?

  Oh, shut the fuck up.

• 1:18:05Speaker 03

  I feel better than I did before.

• 1:18:06Caleb Hammer?

  Shut the fuck up.

• 1:18:07Speaker 03

  Not opening any other things.

• 1:18:09Caleb Hammer?

  Hey, you know what I'm doing right now? You know what I'm doing right now?

• 1:18:13Caleb Hammer?

  Huh? You know?

• 1:18:13Speaker 03

  Googling.

• 1:18:14Caleb Hammer?

  You know what I'm doing right now?

• 1:18:15Speaker 03

  Googling.

• 1:18:16Caleb Hammer?

  No, this is even better. You know what I'm, you know what I'm doing? I am Uber eating myself an expensive lunch because it's in the budget-

• 1:18:24Speaker 03

  Good for you.

• 1:18:25Caleb Hammer?

  Cause I can't afford it.

• 1:18:26Speaker 03

  I'm sure you need that.

• 1:18:26Caleb Hammer?

  Because I didn't have, got my life late twenties like you are.

• 1:18:29Speaker 03

  Well, you're gonna, your 20 pound weight loss, so.

• 1:18:31Caleb Hammer?

  It's a salad, you-

• 1:18:33Speaker 03

  Well, depends on what's in the salad.

• 1:18:35Caleb Hammer?

  That's kind of f***ing stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money, we like free money. You can get up to $350 in bonus cash right now. When you sign up for the checking account that I use, chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Odd and get free money at the same time. Who would have thought? That's incredible. Check it out, link in the description below. Sign up for chime, get that $350 right now in your checking account. Starbucks is bull**** and a waste of money. And you already know that by making your coffee at home and investing the rest. So now, you need to do that with your energy drink as well.

• 1:19:20Caleb Hammer?

  Make Gamer Subs at home for just 40 cents a serving. Honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. The number one ranked energy drink is Gamer Subs.

• 1:19:34Speaker 05

  Literally, the cherry flavor is insane.

• 1:19:37Caleb Hammer?

  Listen, you can also get free samples to see if you like it. Or 10% off your order at gamersubs.gg. Or click that link in the description below, type in code CALEB. Uh, chicken?

• 1:19:51Speaker 03

  Fried or grilled?

• 1:19:52Caleb Hammer?

  Grilled.

• 1:19:53Speaker 03

  Good for you.

• 1:19:55Speaker 06

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• 1:20:25Speaker 03

  Proud of you.

• 1:20:26Caleb Hammer?

  A light dressing? Mushrooms?

• 1:20:30Speaker 03

  That sounds good.

• 1:20:34Caleb Hammer?

  Don't pretend like you graze like your breed. It doesn't sound that good.

• 1:20:40Speaker 03

  I love vegetables. My favorite snack is vegetables. Ask him.

• 1:20:44Caleb Hammer?

  Ah, yes, a classic snack, vegetables.

• 1:20:47Speaker 03

  It is cucumbers, carrots, celery.

• 1:20:51Caleb Hammer?

  There we go. Those are actual things.

• 1:20:52Speaker 03

  They're so good.

• 1:20:53Caleb Hammer?

  And does he hold you a carrot out like this for you to?

• 1:20:57Speaker 03

  No. And your mating call doesn't work on me, so don't.

• 1:21:02Caleb Hammer?

  Mating call?

• 1:21:02Speaker 03

  Yeah.

• 1:21:04Caleb Hammer?

  Do it again.

• 1:21:05Speaker 03

  No, fits you better.

• 1:21:09Caleb Hammer?

  Please repeat what she just did like 10 times in a row.

• 1:21:17Caleb Hammer?

  Okay, we have an auto loan. So you fucked your dad. Well done.

• 1:21:21Speaker 03

  That.

• 1:21:21Caleb Hammer?

  Usually happens in Arkansas, right?

• 1:21:23Speaker 03

  Please.

• 1:21:26Speaker 03

  Disgusting. It's Arkansas.

• 1:21:28Caleb Hammer?

  I'm not the one in Arkansas, dude.

• 1:21:31Speaker 03

  He's in Oklahoma, so calm down.

• 1:21:34Caleb Hammer?

  Okay, we have an auto loan?

• 1:21:36Speaker 03

  Um, it's closed.

• 1:21:38Caleb Hammer?

  So this is what you considered paid off as you just didn't?

• 1:21:40Speaker 03

  No, no, no, I have a paid off vehicle.

• 1:21:42Caleb Hammer?

  So what is this?

• 1:21:43Speaker 03

  That was like the first car I ever financed on my own.

• 1:21:46Caleb Hammer?

  Why is it? Why do you owe?

• 1:21:48Speaker 03

  Because it got totaled and I didn't have gap insurance.

• 1:21:50Caleb Hammer?

  So it's also on your collection. So all this is collections?

• 1:21:52Speaker 03

  Yeah.

• 1:21:53Caleb Hammer?

  You are a disaster. So you had a car repo'd?

• 1:21:57Speaker 03

  No. It got totaled. The first one, I got two from that place. The first one, my ex at the time, or my ex now, but the, my past relationship, he totaled it. And so I got another one. And then I got T-boned by a city truck, broke my collarbone and it totaled the car.

• 1:22:15Speaker 03

  And I didn't have gap insurance.

• 1:22:17Caleb Hammer?

  Am I right?

• 1:22:18Speaker 03

  That wasn't my fault.

• 1:22:21Speaker 03

  I'm the one who drove through Dallas.

• 1:22:22Caleb Hammer?

  Shut the fuck, you're taking it so seriously. Oh, you drove through Dallas?

• 1:22:26Speaker 03

  That's a big feat. Okay, that was scary. That's a big feat. A big like achievement.

• 1:22:32Caleb Hammer?

  Is she? I have to ask this again. I just, I road tripped to Dallas a few times these past couple, these past couple of weeks and it was honestly one of the easiest drives I've ever done in my life.

• 1:22:42Speaker 03

  It was awful last night. It was really bad.

• 1:22:44Speaker 04

  I will say, we almost got hit twice by people.

• 1:22:46Speaker 03

  Do people don't, they don't use blinkers? They cut you off?

• 1:22:48Caleb Hammer?

  No, it's not difficult though. It's not difficult though.

• 1:22:50Speaker 04

  Yes, defensive driving.

• 1:22:51Speaker 03

  No, Texas drivers are awful.

• 1:22:53Speaker 04

  She hates that I'm a defensive driver.

• 1:22:54Caleb Hammer?

  When I was in Dallas, the first moment I went to Dallas, the second time, a couple of weeks ago, uh, the moment I got downtown, there were two individual moments separated by two minutes where someone was going the wrong way down a one way. It was very confusing, but it's not difficult. I just said, I'm not gonna crash into you.

• 1:23:11Speaker 03

  No, but other people were like about to crash into me and I had nowhere to go. There were walls on the sides.

• 1:23:14Caleb Hammer?

  No, I feel like you're just.

• 1:23:16Speaker 03

  No, it's for real. It was bad.

• 1:23:19Speaker 04

  She hates that I'm a defensive driver.

• 1:23:21Speaker 03

  He's not a defensive driver. He's a scared driver.

• 1:23:23Caleb Hammer?

  Were you driving or did he drive?

• 1:23:25Speaker 04

  She.

• 1:23:25Speaker 03

  I was driving.

• 1:23:26Speaker 04

  She, she drove, but uh.

• 1:23:28Caleb Hammer?

  Okay, progress serve? One progress serve?

• 1:23:30Speaker 03

  How much is it?

• 1:23:32Caleb Hammer?

  Uh, 275. This one has a monthly payment, so it's open.

• 1:23:36Speaker 03

  Oh, that's like.

• 1:23:36Caleb Hammer?

  Oh, this is just open in August.

• 1:23:37Speaker 03

  No, no, no. It's um, it's a, no, but I'm saying it's a credit building thing that I had through my like pay portal at work.

• 1:23:44Caleb Hammer?

  Why are you even doing credit building?

• 1:23:46Speaker 03

  It's like a one dollar monthly.

• 1:23:47Caleb Hammer?

  If you are literally everything else though, there's no point.

• 1:23:49Speaker 03

  Cause I'm trying to build credit. I'm trying to do better things.

• 1:23:52Caleb Hammer?

  Yeah, you won't take care of any collections.

• 1:23:56Speaker 03

  I don't really know how collections work.

• 1:23:59Caleb Hammer?

  Oh my gosh, are you, she is actually a child.

• 1:24:02Speaker 03

  No, I'm not.

• 1:24:03Caleb Hammer?

  If she doesn't know how it works, she gives up. She will not do any kind of semblance of learning. She will not put in any effort.

• 1:24:09Speaker 03

  I'm literally in college, so fuck you.

• 1:24:12Caleb Hammer?

  No, that is being handheld. Again, you're not willing to go out there and learn yourself. You're in class by someone else being, teaching you.

• 1:24:19Speaker 03

  They don't teach me. It's online. I have to do it.

• 1:24:23Caleb Hammer?

  Yeah, you have a curriculum there. Again, you are not, if there is a struggle, you will not figure out how to do it. Unless you are not in a pampered situation where someone is holding your hand.

• 1:24:32Speaker 03

  That's so bullshit.

• 1:24:32Caleb Hammer?

  What, what are you talking about? I don't, I don't have any collections. I don't know what a.

• 1:24:36Speaker 03

  Initially, I am illiterate. Outside of that, I am not.

• 1:24:40Caleb Hammer?

  But this part of finances is literally so easy. It takes five seconds online.

• 1:24:44Speaker 03

  I didn't know what collection, I thought when it was in collections, it's in collections and it's just staying there until it falls off.

• 1:24:50Caleb Hammer?

  She is a broken individual. I don't know how you're gonna deal with this.

• 1:24:53Speaker 03

  He glued me back together.

• 1:24:55Caleb Hammer?

  No.

• 1:24:55Speaker 03

  Yes, he did.

• 1:24:57Caleb Hammer?

  Do you hear how you're talking? No?

• 1:24:59Speaker 03

  Yes.

• 1:25:00Caleb Hammer?

  Okay, good one.

• 1:25:02Speaker 04

  So you didn't know what collections was?

• 1:25:05Speaker 03

  Do you know what collections is? Explain it to me.

• 1:25:09Speaker 04

  It's when you stop paying.

• 1:25:10Speaker 03

  No, but then what do you do with it?

• 1:25:13Speaker 04

  You pay it.

• 1:25:14Speaker 03

  But then your credit's already... So like, does it even matter?

• 1:25:17Caleb Hammer?

  Yes. Collections, collections getting off your credit dramatically improves your credit.

• 1:25:22Speaker 03

  Well, I didn't know that.

• 1:25:23Speaker 04

  You just pay it.

• 1:25:24Caleb Hammer?

  Yeah, you don't know anything because you're not willing to do anything.

• 1:25:26Speaker 03

  Yes, I am.

• 1:25:29Caleb Hammer?

  No, I mean, just no. Simply no. You can't say that. That is impossible.

• 1:25:35Caleb Hammer?

  Now, as far as I understand it, via this note that was just typed to me, the colleges you're going to is being paid for by your last company before you got laid off. How the f**k are you gonna do college now?

• 1:25:44Speaker 03

  Um, I'm going to a resource center that will pay for individuals to get a four-year degree, um, based on...

• 1:25:51Caleb Hammer?

  If they accept you, right?

• 1:25:52Speaker 03

  No, it's a diagnosis thing.

• 1:25:54Caleb Hammer?

  Okay. And what are you gonna be diagnosed with?

• 1:25:57Speaker 03

  PTSD. So like, they pay for it.

• 1:26:00Caleb Hammer?

  Okay, so it's something that...

• 1:26:02Speaker 03

  It's a rehabilit... It's like a rehabilitation thing.

• 1:26:04Caleb Hammer?

  It's impossible to actually analyze.

• 1:26:06Speaker 03

  No.

• 1:26:07Caleb Hammer?

  I mean, yeah, but you could tell them anything.

• 1:26:09Speaker 03

  No, but you have to have a provider that you've seen for an extended amount of time.

• 1:26:13Caleb Hammer?

  Hmm, okay. Well, maybe.

• 1:26:16Speaker 03

  But I could have utilized them years ago. I didn't know what I wanted to do.

• 1:26:19Caleb Hammer?

  Will they pay for the whole thing?

• 1:26:21Speaker 03

  The only thing I'm not sure about is because the school I'm going to is technically out of state, so I might have to switch to a local one.

• 1:26:27Caleb Hammer?

  What the f**k? I'm sure they have a limited amount of resources and a massive amount of applicants, so I don't know why you would be the magical one.

• 1:26:35Speaker 03

  They have a pretty good program. I mean, I was...

• 1:26:37Caleb Hammer?

  I'm sure they have a good program.

• 1:26:38Speaker 03

  I got approved for it before, but I didn't know what I wanted to do.

• 1:26:40Caleb Hammer?

  Every program has a limited number of resources, though.

• 1:26:43Speaker 03

  Yeah, it's, it's like, basically, they'll pay for something that will get you into a career.

• 1:26:50Caleb Hammer?

  So that might be a certification. Oh, listen, I'll get you...

• 1:26:51Speaker 03

  No, it's like a four-year...

• 1:26:52Caleb Hammer?

  I'll get you a certification through CourseCrew. As many people in the audience have used it, and they've improved their incomes, got new jobs, got great careers. So I'll get you one of those. I'll get you both one of those, because you both are pretty low income, especially you, lower. But yeah, for the area, it might be okay, but whatever. Listen, with that last, the credibility, and you owe $275, and you have a $25 minimum payment amount.

• 1:27:14Caleb Hammer?

  This is more collections, eleven thousand for something emergency.

• 1:27:19Caleb Hammer?

  Bariatic, oh, this is you?

• 1:27:20Speaker 03

  That was my stomach.

• 1:27:22Caleb Hammer?

  Surgery, oh. Okay, well, you owe that. Is that in collections? Yeah. That was eleven thousand in collections. I don't know how you're gonna deal with that. Hey, you got a lot of shit done, do ya? Yeah.

• 1:27:34Speaker 03

  Yeah, well, I had issues.

• 1:27:35Caleb Hammer?

  Well, yeah, emergency's emergency. I'm not criticizing for that. Okay, synchrony, who's this?

• 1:27:41Speaker 03

  Um, is that the care credit?

• 1:27:44Caleb Hammer?

  Uh.

• 1:27:44Speaker 03

  Yeah, that's care credit.

• 1:27:45Caleb Hammer?

  Yes.

• 1:27:48Speaker 03

  That's technically him, but it was for my LASIK.

• 1:27:51Caleb Hammer?

  Yeah, but it's on his credit.

• 1:27:52Speaker 03

  Yeah, but we pay more than the minimum every month. The minimum right now is like one oh nine, but we pay like one fifty.

• 1:27:59Caleb Hammer?

  No, the minimum is one oh nine and you paid one fifteen.

• 1:28:03Speaker 03

  Last month, but before that.

• 1:28:06Caleb Hammer?

  You pay one fifteen. And that one fifteen, by the way, was late! So it didn't even matter because you had a thirty dollar fee added, you fuck. You don't know anything. You don't know anything, ever.

• 1:28:18Speaker 03

  I don't know how that was late because it's on ACH.

• 1:28:20Caleb Hammer?

  Hey, by the way, this takes twenty years to pay off. And that's if you actually pay it on time, so.

• 1:28:26Speaker 03

  That's with the minimum.

• 1:28:27Caleb Hammer?

  Yeah, which is what you basically do, and you didn't, it doesn't even matter anyway. Because you shut the fuck up! When you pay slightly couple more dollars to the minimum, it didn't matter because you had a thirty dollar fee because you pay it late. So I don't wanna, what was this for again?

• 1:28:40Speaker 03

  LASIK.

• 1:28:42Caleb Hammer?

  You didn't have to get LASIK.

• 1:28:45Speaker 03

  Uh, I was paying a lot in glasses because I can't.

• 1:28:47Caleb Hammer?

  You didn't have to get LASIK. He now owes thirty four, um, okay, three thousand, three hundred thirty nine dollars.

• 1:28:56Caleb Hammer?

  You had to get LASIK. Come, I get glasses, I get glasses.

• 1:29:00Speaker 03

  Yeah, but it's hard to do board sports with the helmet, with the full face helmet on.

• 1:29:04Caleb Hammer?

  Hard to do what?

• 1:29:05Speaker 03

  Board sports, like sports with a full face helmet when you have glasses. And then you break them and then it's like so much money.

• 1:29:12Caleb Hammer?

  Okay, yeah, you get a cheap pair.

• 1:29:14Speaker 03

  And I can't even wear contacts.

• 1:29:15Caleb Hammer?

  You get a very cheap pair, very cheap pair meant just for the sports activities. Come on, I've been through this. Not specifically board sports, but.

• 1:29:24Caleb Hammer?

  Come on. Come on.

• 1:29:26Speaker 03

  It was worth it.

• 1:29:26Caleb Hammer?

  No, this is a cope. You are coping, you're making excuses.

• 1:29:29Speaker 03

  It was worth it.

• 1:29:29Caleb Hammer?

  You wanted this. That's it.

• 1:29:32Speaker 03

  And but it was.

• 1:29:32Caleb Hammer?

  And he had to put it on his credit. You've used him.

• 1:29:35Speaker 03

  I did not use him.

• 1:29:36Caleb Hammer?

  Um, yes, actually.

• 1:29:37Speaker 03

  No, I didn't use him.

• 1:29:39Caleb Hammer?

  Uh, literally, yes, it's there. What do you mean?

• 1:29:42Speaker 03

  I didn't do that without his permission or anything. This was something we talked about.

• 1:29:45Caleb Hammer?

  It doesn't have to be against his permission to use him.

• 1:29:47Speaker 04

  Uh, I didn't have any credit history at the time. I kept my credit history.

• 1:29:53Speaker 04

  So.

• 1:29:53Caleb Hammer?

  Oh, guy.

• 1:29:55Speaker 04

  I started to.

• 1:29:56Caleb Hammer?

  You're being used in this relationship so far.

• 1:29:58Speaker 03

  No, he's not.

• 1:29:59Caleb Hammer?

  Yes.

• 1:30:00Speaker 03

  No, don't project onto me just because.

• 1:30:02Caleb Hammer?

  Project.

• 1:30:02Speaker 03

  Your girlfriend can't make as much money as you.

• 1:30:04Caleb Hammer?

  What are you talking about? This is a document. This is a document.

• 1:30:07Speaker 03

  But I'm not using him. That was something we talked about.

• 1:30:12Speaker 04

  It was something we talked about.

• 1:30:13Caleb Hammer?

  I know you talked about it, but you used his credit.

• 1:30:16Speaker 03

  Credit, not him.

• 1:30:18Caleb Hammer?

  Yeah. Oh, my gosh. She's a mess. She's a mess. What am I looking at here?

• 1:30:22Speaker 03

  It was a credit card I have.

• 1:30:24Caleb Hammer?

  Was?

• 1:30:25Speaker 03

  Uh.

• 1:30:25Caleb Hammer?

  In collections?

• 1:30:26Speaker 03

  No, but I, it's not. I don't know. It just says that the balance is due in full, but it doesn't all, it also doesn't say close and there's no statement.

• 1:30:33Caleb Hammer?

  Well, it'll go to collections soon, but we'll put it down. What is the credit card called?

• 1:30:36Speaker 03

  Uh, First Premier.

• 1:30:39Caleb Hammer?

  You're a fucking mess. Okay, Empire Finance Loan. Yeah, you sent us the worst screenshot we've ever seen in the history of the show, so we don't know how to figure it out. What the f***ing going on with this? Because you're incapable of anything. She can't even figure out how to take good screenshots.

• 1:30:52Speaker 03

  It wasn't a screenshot, it was a statement.

• 1:30:54Caleb Hammer?

  So she can't even look up how to do it?

• 1:30:56Speaker 03

  It was what I downloaded from them.

• 1:30:57Caleb Hammer?

  Uh huh.

• 1:30:58Speaker 03

  It was.

• 1:30:59Caleb Hammer?

  Tell me, what's going on Empire Finance Loan?

• 1:31:00Speaker 03

  Uh, it's, I almost had it paid off, but when I got laid off, I renewed it because.

• 1:31:06Speaker 04

  You renewed it?

• 1:31:06Caleb Hammer?

  So it's a draw loan? You can draw it over and over?

• 1:31:08Speaker 03

  Yeah.

• 1:31:09Speaker 04

  Like renewed the whole thing?

• 1:31:12Speaker 03

  Well, yeah.

• 1:31:14Caleb Hammer?

  How much is owed on it?

• 1:31:15Speaker 03

  It's like $700.

• 1:31:17Caleb Hammer?

  And what's the minimum?

• 1:31:18Speaker 04

  Oh, my god.

• 1:31:20Speaker 03

  Like $111.

• 1:31:21Caleb Hammer?

  You're killing this, man. What do you think about all this so far? Because we have a lot to go through still. This is a fucking mess.

• 1:31:33Caleb Hammer?

  Wait, turn the side again?

• 1:31:34Speaker 03

  No.

• 1:31:37Speaker 03

  I think I look great. You're gonna bully me. And then I'll have to bully you back.

• 1:31:40Caleb Hammer?

  But you can't. There we go. There it is.

• 1:31:46Speaker 03

  I don't have meth mouth. I had an underbite, you idiot.

• 1:31:50Caleb Hammer?

  Whoa, why are we throwing around? Why are we throwing around words like?

• 1:31:55Speaker 03

  You throw around the word.

• 1:31:57Caleb Hammer?

  This is a financial, ladies and gentlemen, we keep it clean here.

• 1:31:59Speaker 03

  Yeah, okay. Just lifted and showed your nipple. Like, earlier. That's not clean. I don't know the last time you took a shower.

• 1:32:07Caleb Hammer?

  This morning. I take a shower every morning, but also, we're not talking about ancient history, lady.

• 1:32:11Speaker 03

  I don't have meth.

• 1:32:12Caleb Hammer?

  Women, always obsessed with the past in conversations.

• 1:32:14Speaker 03

  That's such a misogynistic thing of you to say.

• 1:32:17Caleb Hammer?

  It's also just a joke, but I know people like you can't handle those.

• 1:32:21Caleb Hammer?

  So what am I looking at here? Hospital, hospital, hospital. I'm sure you require a lot of diagnoses.

• 1:32:25Speaker 03

  That is.

• 1:32:28Caleb Hammer?

  Well, you sent this. Okay, you sent the screenshots. Let's see if you can read.

• 1:32:32Speaker 03

  Oh, that's because of, um.

• 1:32:34Caleb Hammer?

  Oh, college taught her how to read.

• 1:32:35Speaker 03

  Because I do, uh, treatments at the hospital for depression.

• 1:32:42Caleb Hammer?

  Okay, is that a debt?

• 1:32:44Speaker 03

  No, it's not.

• 1:32:45Caleb Hammer?

  Why do I see a balance of $3,395?

• 1:32:48Speaker 03

  It's copays.

• 1:32:49Caleb Hammer?

  Well, it says balance, so it's stacking up balances?

• 1:32:52Speaker 03

  Yeah.

• 1:32:52Caleb Hammer?

  Won't they maybe not see you eventually?

• 1:32:56Speaker 03

  Uh.

• 1:32:57Caleb Hammer?

  If you don't ever pay?

• 1:32:59Speaker 03

  No.

• 1:33:00Caleb Hammer?

  Yeah, maybe.

• 1:33:01Speaker 03

  Mm-mm.

• 1:33:02Caleb Hammer?

  How do you know?

• 1:33:02Speaker 03

  Cause I haven't paid in a long time.

• 1:33:04Caleb Hammer?

  I know, but there's probably a limit. 3,395, she doesn't pay anything, by the way. She's, um.

• 1:33:10Speaker 03

  They never asked me for my.

• 1:33:11Caleb Hammer?

  Attach yourself to her, you're.

• 1:33:13Speaker 03

  They never asked me for my. And I don't get physical bills from them, so.

• 1:33:17Caleb Hammer?

  Oh, she does ketamine. And now I understand what's going on.

• 1:33:20Speaker 03

  It's bravado.

• 1:33:20Caleb Hammer?

  Now I understand. You are full.

• 1:33:23Speaker 03

  Bravado.

• 1:33:24Caleb Hammer?

  Dude, how close to the hole are you? You?

• 1:33:28Speaker 03

  It's bravado. What, what hole? Apparently you can't find the right one ever, so tell me which one you're talking about.

• 1:33:34Caleb Hammer?

  I can now. I can now. Sometimes I like to.

• 1:33:37Speaker 04

  Search with a Google search.

• 1:33:38Caleb Hammer?

  Yeah, I, I learned. I learned. And sometimes I like to pretend like I'm lost and I go, whoa, wrong one! But, I'm kidding. That's a joke. That's a very, some, some weird hit piece YouTuber out there is gonna see that and think that I'm actually talking about.

• 1:33:53Speaker 03

  It's bravado and it's very helpful. It got me out of a really dark place. So I

• 1:33:58Caleb Hammer?

  I get it. You love the K-hole.

• 1:34:00Speaker 03

  But they also don't, they, they don't tell me what the copays are because they don't always know what insurance is gonna pay.

• 1:34:05Caleb Hammer?

  What's this world finance?

• 1:34:07Speaker 03

  That's his.

• 1:34:09Speaker 04

  Uh, I had a surgery back in May.

• 1:34:12Caleb Hammer?

  What are you getting surgeries for?

• 1:34:14Speaker 04

  Double hernia I had for a couple of years.

• 1:34:16Caleb Hammer?

  What are you getting hernias for?

• 1:34:18Speaker 03

  Probably board sports.

• 1:34:20Speaker 04

  Yeah.

• 1:34:20Caleb Hammer?

  Isn't it just one wheeling? You guys, you aren't surfing or still.

• 1:34:23Speaker 04

  Well, I do pro one-wheel racing whenever I was younger.

• 1:34:28Speaker 03

  Don't give that look just because you don't have a skill like that.

• 1:34:31Speaker 04

  Um, I'm talking.

• 1:34:32Caleb Hammer?

  Yeah, but one, he is talking. Thank you. And two, I don't think anyone's ever heard of pro one-wheel.

• 1:34:39Speaker 03

  Yeah, they have. It's on TV.

• 1:34:40Speaker 04

  So regardless.

• 1:34:42Speaker 03

  The sports channel.

• 1:34:43Speaker 04

  ESPN.

• 1:34:44Caleb Hammer?

  The sports channel. My favorite channel to tune into for my evening news.

• 1:34:48Speaker 03

  It's on ESPN.

• 1:34:52Speaker 04

  You don't watch TV, do you?

• 1:34:53Caleb Hammer?

  Sports I do.

• 1:34:55Speaker 03

  It's on ESPN. Look up.

• 1:34:57Caleb Hammer?

  ESPN.com, ESPN Plus probably.

• 1:35:01Speaker 04

  But, uh.

• 1:35:02Caleb Hammer?

  Okay. Well, you got a balance of $728 with a minimum to be able to have an 104. I'm sorry. You got hurt.

• 1:35:09Speaker 04

  But after the surgery, we just, the uh, FMLA wasn't covering our bills, so had to take out something.

• 1:35:17Caleb Hammer?

  Chase Auto. This must be you then. You got a 13% interest rate.

• 1:35:20Speaker 03

  They, they tried to give us the 25 first.

• 1:35:23Speaker 04

  Yeah.

• 1:35:23Caleb Hammer?

  Well, probably deserve it, but either way.

• 1:35:25Speaker 03

  Down there. And then we're gonna refinance.

• 1:35:27Caleb Hammer?

  By stretching the term, probably?

• 1:35:29Speaker 03

  No, no. They kept calling me and asking like, cause we sat outside the dealership for like over an hour discussing the vehicle. And we ended up leaving because I was like, if you can't get the payment under 500 and you can't get the interest rate round.

• 1:35:40Caleb Hammer?

  Payment. They stretched the term.

• 1:35:42Speaker 03

  No, they didn't. We left.

• 1:35:44Caleb Hammer?

  There's no way.

• 1:35:45Speaker 03

  And they kept calling us for weeks and weeks and weeks. And eventually they were like, okay, if we just run it under him, we can get the interest rate down to this.

• 1:35:52Speaker 04

  But, uh.

• 1:35:53Speaker 03

  And the payment under five.

• 1:35:54Speaker 04

  I was able to trade in, uh.

• 1:35:56Speaker 03

  His vehicle.

• 1:35:57Speaker 04

  My car, which was not worth what it was.

• 1:35:58Caleb Hammer?

  Payment 470 is insane for your guys' income. Guys, what's this car worth? You owe $23,316. What do you think it's worth?

• 1:36:04Speaker 03

  Uh, I would say probably 21.

• 1:36:07Caleb Hammer?

  19. Yeah. Private sale. So trade in probably 16, 15.

• 1:36:13Speaker 03

  I mean, it's not horrible.

• 1:36:15Caleb Hammer?

  No, but you are under, so we can't really do any kind of fun flexibility here. We kind of could. Honestly, one thing I might do is if it's worth nineteen, shit.

• 1:36:26Caleb Hammer?

  You could private sale it, borrow the difference and then get a $10,000 car. Then you'll have like a 13, $14,000 car debt to take care of instead of 23. That could help us. Your minimum payment would be about the same. But this is too much car for your guys' income, especially with all your debt. It's not even, not even close.

• 1:36:47Caleb Hammer?

  Too much car.

• 1:36:49Speaker 03

  I've made worse car decisions, so I can't really say anything.

• 1:36:51Caleb Hammer?

  What you've done. Why do I give a shit? Why do you make this all about you? I'm talking about his car. You're such an obnoxious creature. How do you deal with this?

• 1:36:59Speaker 03

  I can't really speak on that because I've made worse decisions.

• 1:37:02Caleb Hammer?

  Congratulations, then don't speak. Try that for the first time in your life.

• 1:37:05Speaker 03

  Have you?

• 1:37:06Caleb Hammer?

  Yes, but not when I'm on my podcast.

• 1:37:09Speaker 03

  Proud of you.

• 1:37:12Speaker 03

  You want a gold star?

• 1:37:13Caleb Hammer?

  Yeah, that's what I seek, is her approval.

• 1:37:17Speaker 04

  But once I had more credit history built up, I was going to refinance for a lower payment.

• 1:37:23Caleb Hammer?

  Dude, I don't know. I might sell it, borrow three to pay it off and get a $10,000 car and a $10,000 loan. At least that way you owe 13,000 bucks. Minimum payment will be about the same, interest rate about the same.

• 1:37:36Caleb Hammer?

  That's something I might do, might consider that because that it's rough and you're going to be paying it off forever. This term has to be substantial. What is it, 72 months, 84, whatever, something like that?

• 1:37:46Caleb Hammer?

  Nobody knows. Okay, that's great.

• 1:37:48Speaker 03

  I think it was 72.

• 1:37:49Speaker 04

  72.

• 1:37:49Caleb Hammer?

  Yeah, that's horrendous. Should be no more than 32 or it's unaffordable for you. That means you can't afford it and you certainly can't afford this, not even close. And it's already going underwater. One pay, what's this? Credit builder and other credit builder?

• 1:38:02Speaker 03

  Yeah, that was the credit builder.

• 1:38:03Caleb Hammer?

  That we already saw?

• 1:38:04Speaker 03

  Yeah.

• 1:38:06Caleb Hammer?

  Yeah, it's just in and out, in and out, in and out, in and out. Oh, wait. No, not the restaurant. I mean, transferring. But then also, we do get in here. You go in and get some bullshit. What are you getting some bullshit for? What bullshit are we getting? What are we getting in some bullshit?

• 1:38:18Speaker 03

  I don't know.

• 1:38:19Caleb Hammer?

  Six dollars fifteen cents from Walmart. What are we getting?

• 1:38:22Speaker 03

  Um, I don't know. I cook at home a lot.

• 1:38:25Caleb Hammer?

  I know it ain't carrots. What are we getting?

• 1:38:27Speaker 03

  Really, it could have been like a bag of potatoes.

• 1:38:29Caleb Hammer?

  No, no, no, no, no. Probably potato chips because you went in and you actually got something from Walmart that was likely groceries. But at the same time, you also got something for six dollars and fifteen cents. So you had like a second little purchase. What are we getting?

• 1:38:41Speaker 03

  I don't know.

• 1:38:43Caleb Hammer?

  Bullshit.

• 1:38:43Speaker 03

  It, it could have. I'm trying to think. I really don't know.

• 1:38:47Caleb Hammer?

  Cupid's lingerie.

• 1:38:48Speaker 03

  It's where I get my shaving cream.

• 1:38:52Caleb Hammer?

  Uh, Seven Brew Tic Tac Shop. Okay, no more Seven Brew. Seven Brew's illegal. Make our coffee at home. Listen, if it requires. You are gonna let me talk for a second, creature.

• 1:39:04Caleb Hammer?

  Yeah, that's your beastly noises, we know.

• 1:39:10Caleb Hammer?

  We don't need any more proof that you were hatched from an egg. We don't. Okay? We really don't. You're making your coffee at home. We can invest in some good beans and it will still be cheaper. If you guys are energy drink people or Gatorade people like hydration drinks, you are getting Gamer Subs. You are making this for thirty-five cents a serving. Seven Brew's good as.

• 1:39:32Speaker 03

  Here's the problem.

• 1:39:33Caleb Hammer?

  Don't give a.

• 1:39:34Speaker 03

  I bought an espresso machine, a shitty little Nespresso machine.

• 1:39:37Caleb Hammer?

  I'm doing my pitch. I'm doing my pitch. Quiet now. Quiet now, lady. Here you go. Free samples. Do you guys like energy drinks?

• 1:39:42Speaker 03

  I do.

• 1:39:43Caleb Hammer?

  Okay, there you go. You make your energy drinks at home now for forty cents a serving. Get your free samples. Link in the description below. GamerSubs.gg. Type in code HAMMER to get that, Caleb. And then get whatever flavor you want. Thirty-five cents a serving. Gamer Subs. It's very good. It's also a hydration drink version if you're not a caffeine person. Check it out. Yeah, they're very goodie.

• 1:40:00Speaker 03

  Espresso machine.

• 1:40:01Caleb Hammer?

  Okay.

• 1:40:02Speaker 03

  It's a little one. It's just like the little Mr. Coffee.

• 1:40:05Caleb Hammer?

  You got an Xbox purchase in here in this checking account. Checking account. Wait, hold on. Yeah, we have Xbox, Five Below, sushi, guess who? Five Below, bullshit, bullshit, going and getting some bullshit, bullshit, bullshit, bullshit, Seven Brew, Seven Brew Bakery, bowling, boba. It's just you guys spend so much of bullshit.

• 1:40:27Speaker 03

  The bowling was a family thing.

• 1:40:28Caleb Hammer?

  Shut the [bleep] I don't give a [bleep]. Coffee, coffee, Seven Brews, coffee, Seven Brews, bullshit, bullshit, bullshit, bullshit, endless bullshit, McDonald's, bullshit, uh, Cox, bullshit, Walmart, bullshit, bullshit, bullshit, bullshit.

• 1:40:42Speaker 03

  Cox got refunded.

• 1:40:43Caleb Hammer?

  Wendy's, Wendy's, Taco Bell, shh, shh, shh, shh, shh.

• 1:40:49Speaker 03

  Well, you want an explanation, I'm giving you one.

• 1:40:51Caleb Hammer?

  I don't want to hear you for the rest of my life.

• 1:40:53Speaker 03

  It was for internet.

• 1:40:54Caleb Hammer?

  Quiet.

• 1:40:55Speaker 03

  When we moved.

• 1:40:56Caleb Hammer?

  Quiet. Boars Nest, Moore Seven Brew, bullshit, bullshit, Venmo, Victoria's Secret, [bleep], TikTok shop.

• 1:41:03Speaker 03

  I needed new bras.

• 1:41:04Caleb Hammer?

  No.

• 1:41:05Speaker 03

  Yes, I did. Mine ripped in the middle.

• 1:41:06Caleb Hammer?

  No, I just don't want to hear about your tits. Uh, state beauty.

• 1:41:09Speaker 03

  Bras are not tits, it's clothing.

• 1:41:10Caleb Hammer?

  Tits. Tropical Smoothie, Victoria's Secret, [bleep], Seven Brew, Prestige Man, bullshit, bullshit, bullshit, Zelle.

• 1:41:18Speaker 03

  That's rent.

• 1:41:19Caleb Hammer?

  DoorDash. Bakery, DoorDash. DoorDash. DoorDash. Spring Oaks.

• 1:41:27Speaker 03

  Maybe with Billy Will.

• 1:41:28Caleb Hammer?

  [bleep].

• 1:41:29Speaker 03

  Oh, that was one.

• 1:41:30Caleb Hammer?

  Boars, [bleep], Aiden Cellular, Raising Canes, bullshit, Boars Nest, Spring Oaks, Tropical Smoothie, bullshit, bullshit. 401K, the one we bragged about that we're so proud of.

• 1:41:41Speaker 03

  I am.

• 1:41:42Caleb Hammer?

  Okay, uh, 7,000 bucks, yeah, okay, actually, for your income, no, it's halfway decent at your age.

• 1:41:48Speaker 03

  And I'm transferring that into a Roth IRA.

• 1:41:51Caleb Hammer?

  Rolling over.

• 1:41:53Speaker 03

  Yeah, that.

• 1:41:55Caleb Hammer?

  Disaster. Let's see if we can budget this. Okay, still brutal, it's about a fourth of your income, even though most of your debts don't even have minimum payments, and who knows if you have to add that 150 for the water system if you get [bleep] by your ex. $1,104.22, what is your rent?

• 1:42:19Speaker 03

  It's like 475 each.

• 1:42:21Caleb Hammer?

  We're combining as a household, aren't we?

• 1:42:24Speaker 03

  Well, we have, we also have a third roommate.

• 1:42:26Caleb Hammer?

  Okay, 950, okay, so 950, okay, gas, electric, utilities, internet, all that, how much for you two?

• 1:42:32Speaker 03

  Well, I'm not sure, because we just.

• 1:42:34Caleb Hammer?

  Oh, my gosh.

• 1:42:35Speaker 03

  It's because we just moved, and so all the deposits are still for like the utilities.

• 1:42:39Caleb Hammer?

  Projector, [bleep] just gas.

• 1:42:40Speaker 03

  Probably like, I would say that the electric will probably be 200.

• 1:42:44Caleb Hammer?

  Split between three?

• 1:42:45Speaker 03

  Yeah.

• 1:42:46Caleb Hammer?

  Okay, internet, gas.

• 1:42:48Speaker 03

  Internet's 120, split between three.

• 1:42:52Caleb Hammer?

  Gas, is there gas? Is there no gas?

• 1:42:54Speaker 03

  Probably like fifty a month.

• 1:42:56Caleb Hammer?

  Hey, yeah, good, good, good. So between three. Okay. So for you guys, two forty seven phone bills.

• 1:43:05Speaker 04

  Oh, God. I hate this part.

• 1:43:08Caleb Hammer?

  Well, let's give me a number. Perhaps would be nice. Would like that.

• 1:43:13Speaker 04

  So my phone bill is sixty.

• 1:43:17Caleb Hammer?

  Good, and yours, how about let's get it out because I'm hungry.

• 1:43:20Speaker 03

  Uh, like three hundred and sixty.

• 1:43:23Caleb Hammer?

  Not even gonna ask, it's just.

• 1:43:26Caleb Hammer?

  Four twenty. Well, raise it up, gas, vroom, vroom, drive, drive.

• 1:43:31Speaker 04

  Uh, maybe sixty a month.

• 1:43:35Speaker 03

  For me, it's, I would say probably about the same.

• 1:43:38Caleb Hammer?

  One twenty, car insurances.

• 1:43:40Speaker 03

  Uh, mine's one sixty five.

• 1:43:42Speaker 04

  Mine's, uh, one ten, one twenty, say one twenty.

• 1:43:47Caleb Hammer?

  Two eighty five. Necessary food, six hundred. Use the budget from the cookbook, use the meal plan that is included in the budget class in the master your money series. TP fun, anything else you guys need to survive, one fifty should be good. Medical health here, other copays.

• 1:44:04Speaker 03

  Um, I go.

• 1:44:05Caleb Hammer?

  Yes, you do have copays, they're stacking up. What's our copays on a monthly basis? Come on.

• 1:44:09Speaker 03

  I think it's like thirty five per therapy. So that's like seventy a month for that. And then this bravado is like, I pay for the, um, medication and that's, I want to say it's like forty a month.

• 1:44:23Caleb Hammer?

  One ten, is there a gym?

• 1:44:25Speaker 03

  Yes.

• 1:44:26Caleb Hammer?

  How much?

• 1:44:26Speaker 03

  Like twenty eight.

• 1:44:29Speaker 03

  It's for the.

• 1:44:29Caleb Hammer?

  Subscription, so let's try forty. Pets, do they have pet insurance?

• 1:44:33Speaker 03

  So they don't right now. I didn't know if I should get.

• 1:44:36Caleb Hammer?

  Agents and health, agents and health.

• 1:44:38Speaker 03

  One of them's fourteen.

• 1:44:39Caleb Hammer?

  Okay, nope, the other one.

• 1:44:41Speaker 03

  Seven.

• 1:44:41Caleb Hammer?

  Health?

• 1:44:42Speaker 03

  Uh, good.

• 1:44:43Caleb Hammer?

  Okay, I'll do that, fifty bucks, pet food, how much?

• 1:44:46Speaker 03

  Well, I have another one.

• 1:44:47Caleb Hammer?

  How much or what, age and health?

• 1:44:49Speaker 03

  Um, I have.

• 1:44:51Caleb Hammer?

  Age and health?

• 1:44:52Speaker 03

  He's like two or three.

• 1:44:54Caleb Hammer?

  And health?

• 1:44:54Speaker 03

  Good.

• 1:44:55Caleb Hammer?

  Okay, a hundred. Pet food?

• 1:44:57Speaker 03

  That's not the only one.

• 1:44:58Caleb Hammer?

  Why did you, why aren't you just giving me how many pets? Ages and health, please, please.

• 1:45:03Speaker 03

  Nine, goo- good.

• 1:45:04Caleb Hammer?

  Okay, probably not, but maybe.

• 1:45:06Speaker 03

  Three, good. And the other one's a lizard, so I don't know if you need to do.

• 1:45:08Caleb Hammer?

  No, one fifty, pet food, how much?

• 1:45:11Speaker 03

  Um, probably like a hundred.

• 1:45:13Caleb Hammer?

  Okay, anything else that needs to be in your budget that I have not taken into account, please, now or never?

• 1:45:19Caleb Hammer?

  Um, I really I mean, it's obviously pretty much over.

• 1:45:23Speaker 03

  We want to set aside the money for my grandparents.

• 1:45:26Caleb Hammer?

  There's no way you don't have enough.

• 1:45:27Speaker 03

  Putting into savings.

• 1:45:28Caleb Hammer?

  Nah, good luck, but let's find out. I'll see if there's anything left over. I would like to save, but. Ah?

• 1:45:35Caleb Hammer?

  Ah?

• 1:45:35Speaker 03

  He wants to save.

• 1:45:38Caleb Hammer?

  Uh, the answer to I want to save is, oh, maybe $4,304.22. Listen, probably no savings yet, but.

• 1:45:48Caleb Hammer?

  Let's see, you have an extra around a 400 bucks a month because you bring in a little extra with the pet sitting. You're going to ramp that up the best you can. You might pick up a second job, by the way. It's 400 hours a month is pretty, pretty brutal on all this because that $82,569.92 that we're going to minus the 12,442. Actually, hold on. I want to get rid of collections as well. Okay, let's see.

• 1:46:14Caleb Hammer?

  Okay, dad, 4,275, grandma, 8,000, $40,000 of debt to pay off. So it still takes eight years. Bankruptcy would be better, but that isn't clear family. That doesn't fix your car situation. So the reality is you need to go bring an extra $400 a month. You need to go bring an extra $400 a month. Okay, so with that extra 1,200, just about of the 40,000.

• 1:46:40Caleb Hammer?

  There we go.

• 1:46:43Caleb Hammer?

  Pays it off in two and a half years.

• 1:46:46Caleb Hammer?

  So those are the minimum dollars that have to be coming in. Really, to make any progress on this bankruptcy is not going to really solve much. Uh, I might be able to do a consolidation, maybe your debt thing, but again, that doesn't take your major debts are the ones and that aren't going to be forgiven in any of these unless you get rid of your car and your family dies. So, and we don't want any of that to happen. Okay? I would do the car trade in thing that maybe brings us down to two years instead of two and a half. That helps. Then after that six month emergency fund and then we need to catch up on retirement for the household. You're doing okay for yourself, but once we do the combined household, we're dramatically behind. So we need to really start catching up on your end.

• 1:47:22Speaker 03

  What's your retirement?

• 1:47:23Caleb Hammer?

  Nothing. So as I see.

• 1:47:24Speaker 03

  That's not true.

• 1:47:25Caleb Hammer?

  Oh, well, why? I don't see it.

• 1:47:26Speaker 04

  Roth and 401.

• 1:47:28Caleb Hammer?

  Well, Roth IRA, I'm assuming, but how much are in both?

• 1:47:31Speaker 04

  I have 7K.

• 1:47:32Caleb Hammer?

  Okay.

• 1:47:33Speaker 04

  As of last.

• 1:47:34Caleb Hammer?

  And then 401K?

• 1:47:35Speaker 04

  Um, I believe that's about 5,000 now.

• 1:47:38Caleb Hammer?

  Okay. Um, good. Well, we still need to contribute about 20% to keep us on track for retirement. So maybe I'd get a one month emergency fund now. You need to go work, work, work, work, work, or get better jobs, take the course career certifications. Maybe college is on pause for a second. I don't know. But we're doing that, doing the car trade in, then we're grinding this out and we're paying it off in two years. Call it three years to get a fully funded emergency fund as well. And you guys are living a great life and you're not even 30 yet. So it's not bad. You'll be 29. That's not bad. That's a good life. That's a good future. You have to go bring in more money right now and you have to follow the budget. Use the Dollar Wise Budgeting app. Go through the Master Your Money series. That's the plan. And think about the car trade in situation.

• 1:48:17Speaker 04

  Gotcha.

• 1:48:17Caleb Hammer?

  Not trade in, but sell and bar the difference. Okay. Hammer Financial Score. Spending in a budget. What you overspent? Zero out of 10. Debt, there's questions. Zero out of 10. Emergency fund, there's nothing. Zero out of 10. Retirement? This is the one thing we have going for us. So you are at 10 and 5, right? Right?

• 1:48:31Speaker 03

  Seven and 5.

• 1:48:32Speaker 04

  You're seven and 5.

• 1:48:33Caleb Hammer?

  And then you're at what?

• 1:48:34Speaker 03

  It's like 7.

• 1:48:39Caleb Hammer?

  Okay. My 20, 20,000, 19,000 bucks for your income level are usually, what are we at? Like 65,000, $60,000 before taxes. What do they have in the way? We'll double in seven years. Yeah. I mean, we're about, I'd say a four out of 10. Real estate, zero out of 10. So Q7 on, yeah, seven out of 10, you're a one out of 10. Click that join button. Join us for the Hammer Financial Audit Post Show or the Kill, whatever, you know, uh, it's, it's a fun extra 20 minutes of every single episode. Join Hammer Elites. Three premium shows posted every single day, Monday through Friday. Make sure to get your Hammer Financial Score at kalebhammer.com. See you in the post show.

• 1:49:19Speaker 04

  Are the children done talking? Who are you talking to? Yo.

• 1:49:22Speaker 06

  If you would have gone up like two more levels, we would have had financial audits first this way.

• 1:49:26Speaker 03

  To be fair, he doesn't say a lot normally anyway. Like he.

• 1:49:30Speaker 04

  That he doesn't say a lot or do you not let him get a word?

• 1:49:32Speaker 03

  No, he doesn't really have a lot to say.

• 1:49:34Speaker 04

  She cucks him in 14.

• 1:49:35Speaker 03

  No.

• 1:49:36Speaker 04

  Thank you. You're here because you don't have a spine to say it to her.

• 1:49:39Speaker 05

  Camera Elite is the best YouTube membership on the platform, and I just upgraded it. New dedicated premium shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join, and that's a promise.