I'll Get Cancelled For This... | Financial Audit

*OOOOOOO I CALLED HER EX THAT SHE CHEATED ON* The confrontation was absolutely crazy, you need to see this post show, watch here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡️ https://hammerelite.com 30% off *LIMITED TIME ONLY* as a launch bonus 🎁 WE JUST LAUNCHED The Hammer For Life Box! Limited Edition Merch ONLY Available to the FIRST 1000 to Purchase AND once they're gone, they're gone FOREVER! https://hamr.link/app-launch 💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join ============================= 👉 Checking & Savings: get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-website 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/FAquiz ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 If you or someone you know experienced serious mental health struggles as a result of social media use, you may be entitled to a potential recovery of over $1,000. Visit https://morganmorganpa.sjv.io/c/7273707/3841482/23429?sharedid=caleb-hammer to submit a claim now. ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡️Learn how to budget: https://bit.ly/4sspyGh ⚡️Learn how to invest: https://bit.ly/41mr8OP ⚡️Pay off your debt: https://bit.ly/41mr8OP ============================= *Check Out My Resources* ============================= 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer ============================= *Chapters* ============================= 00:00 Intro 01:00 Job & Income 02:20 her WHAT 05:50 professional victim..? 09:28 ooooh she cheated loool 16:48 bro thinks shes better than everyone.. 21:25 i love lying in my relationships!! 26:40 wdym whats the point of retirement? LMFAAO 31:25 lets call the boyfriend (he knows nothing) 43:35 she LIED to him about being on Financial Audit too??? 55:40 gawk gawk do be helping 01:06:35 grandma be moving crazy LMFAAO 01:15:00 her entire family moves crazy wtf 01:26:30 bullsh*t bullsh*t bullsh*t 01:29:56 Budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Speaker 00

  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.

• 0:31Speaker 01

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• 0:59Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. We have information from your ex that she thinks you cheated on her. That's what she thinks, that doesn't mean it's true. Conveniently, you are with the guy that she accused you of cheating with. So when your pussy keeps getting you in trouble, it's because you're cheating. Why don't you call your boyfriend? Let me see what he thinks.

• 1:16Speaker 03

  I can try calling him, he's at work right now, he might not answer.

• 1:18Caleb Hammer?

  Yeah, try to call him. Hey, what's up? I have an exclusive offer just for you. But there's only one week left to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Plus, I just launched the brand new Hammer Elite app available on every major platform. To celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join, and that's a promise.

• 1:54Speaker 03

  Hi, I'm Bree. I'm 26. I'm from Houston, Texas, and this is Financial Audit.

• 2:00Caleb Hammer?

  Thanks for coming over to Austin. What do you do in Houston for a living, Bree?

• 2:04Speaker 03

  Um, I have like an office position, so like I'll answer calls, take orders, really rudimentary office. It's like

• 2:10Caleb Hammer?

  You're the front desk?

• 2:11Speaker 03

  Yeah.

• 2:12Caleb Hammer?

  This is a receptionist. This is like intern. Okay.

• 2:14Speaker 03

  Not intern. Like, I'm full-time.

• 2:16Caleb Hammer?

  Taking orders?

• 2:17Speaker 03

  Customers call. They say, hey, I want this product.

• 2:20Caleb Hammer?

  Oh.

• 2:20Speaker 03

  I, I put it in the system. I take payment and then I give it

• 2:24Caleb Hammer?

  But not sales, no commission?

• 2:26Speaker 03

  No, no commission, no. I'm not a sales rep, exactly. Customers just call.

• 2:29Caleb Hammer?

  Okay, well, cool. What do you make in this position?

• 2:32Speaker 03

  I make 20 an hour. I'm salary, so...

• 2:36Caleb Hammer?

  20 an hour salary? So what's your, what's your salary?

• 2:40Speaker 03

  I get paid by weekly and

• 2:43Caleb Hammer?

  And what's your salary? What's your income? What's your pay?

• 2:47Speaker 03

  Like, when I get paid every paycheck?

• 2:48Caleb Hammer?

  When they say what your salary is, they're like, you make, this is your salary that you're accepting on a yearly basis?

• 2:53Speaker 03

  Oh, a year? I make 42,000 a year.

• 2:56Caleb Hammer?

  Okay.

• 2:57Speaker 03

  Yeah.

• 2:57Caleb Hammer?

  Listen, I mean, Houston, as far as all the Texas cities go, definitely, it's not the most expensive, but it's kind of in that middle range. But 42, still hard to stretch. And speaking of stretching, the quote I have from you before coming on the show is, my [BLEEP] getting me in trouble.

• 3:17Speaker 03

  Yeah.

• 3:17Caleb Hammer?

  So if we're not making much money, and your [BLEEP] keeps getting you in trouble,

• 3:26Speaker 03

  It's

• 3:26Caleb Hammer?

  How are you surviving in Houston on that?

• 3:29Speaker 03

  Well, it got me in trouble because, so I moved to Texas from Maryland three years ago. I've only been in Texas for three years.

• 3:37Caleb Hammer?

  Baltimore?

• 3:38Speaker 03

  A little town named Cumberland. It's like two, three hours from Baltimore. So you know how Maryland is like big, it gets little, and then gets big again? I live You've ever seen the shape of Maryland?

• 3:47Caleb Hammer?

  I don't look at Maryland.

• 3:49Speaker 03

  You have a picture of Michigan, I'm just saying.

• 3:50Caleb Hammer?

  Also, I don't give a [BLEEP] because I'm from Michigan.

• 3:51Speaker 03

  Okay, whatever.

• 3:52Caleb Hammer?

  Should I have a frame of like Illinois on there as well?

• 3:56Speaker 03

  You don't know what states, states look like?

• 3:57Caleb Hammer?

  Relatively, for Maryland.

• 3:58Speaker 03

  Okay, well, anyway, Maryland. I lived like in the mountains, like countryside, rural, in The sticks type deal. Okay, well, me and her started dating, moved to Texas. She was really controlling with the whole relationship. So say she wanted to go out to eat.

• 4:13Caleb Hammer?

  By the way, it's interesting that every single ex of a relationship that comes on here, the other person was always the bad one. Every time. That's interesting how that works. Keep going.

• 4:21Speaker 03

  Sure. So we would argue a lot about finances. She wanted a joint account. There was no reason for us to have a joint account. We lived in an apartment. We didn't have a mortgage. We didn't share bills, anything like that. She wanted to combine combine finances. I didn't want to do that. Saw no reason. So if she was hungry and I didn't feel like making anything, she would just always want to go out to eat. And would never cook food for herself, never went to a grocery shop.

• 4:44Caleb Hammer?

  What is this, an ex vent hour? Like, I don't, what is this?

• 4:47Speaker 03

  I spent a lot of money on her in our relationship.

• 4:52Caleb Hammer?

  When did you break up?

• 4:53Speaker 03

  New Year's Eve.

• 4:55Caleb Hammer?

  Oh, okay. So that is actually recently.

• 4:56Speaker 03

  Yeah.

• 4:57Caleb Hammer?

  Just said that. My goodness, that would have saved me a few minutes.

• 4:59Speaker 03

  Sorry.

• 4:59Caleb Hammer?

  I do not need to, oh my goodness, my goodness, she didn't do the dishes.

• 5:04Speaker 03

  It was like, she would want to go out to eat. I, if she didn't have money for it, I would pay for it. And then if I wanted something for myself, it was then an issue.

• 5:15Caleb Hammer?

  Stay with her so long. If she was up your finances because she wouldn't contribute and you had to take care of her. Why'd you stay with her so long? I'm not giving you victim treatment when you decided to stay.

• 5:27Speaker 03

  Like, I would stay because like, it would get to a boiling point and I would be like, I don't want to be together anymore.

• 5:32Caleb Hammer?

  She the one that caused the in-

• 5:33Speaker 03

  Would, yes.

• 5:34Caleb Hammer?

  The injuries?

• 5:35Speaker 03

  Injuries.

• 5:36Caleb Hammer?

  The scars, the eyebrow scars.

• 5:38Speaker 03

  No, that's just fashion.

• 5:39Caleb Hammer?

  Fashion?

• 5:40Speaker 03

  Yeah. You know how people like get piercings and all that? It's just fashion. It's just hair. You just put a little slit. You've never seen people with slits in their eyebrows?

• 5:48Caleb Hammer?

  Uh, injured people?

• 5:50Speaker 03

  Injured.

• 5:50Caleb Hammer?

  I've seen some scars.

• 5:52Speaker 03

  No, it's not a scar. No. She was never physically abusive, just mentally and verbally.

• 5:56Caleb Hammer?

  Uh huh. So this is again, every ex in the history of the show and yet, okay, this is, this is, if it's every ex ever? And I can never hear the other person's side. It's like, can I even believe it in the end? I have a hard time.

• 6:07Speaker 03

  Believe what you want to believe. I'm just letting you know. She was really controlling and a lot of my debt stemmed from our relationship.

• 6:14Caleb Hammer?

  Why'd you stay?

• 6:15Speaker 03

  She would tell me she would change and that things would get better.

• 6:18Caleb Hammer?

  And how many times does that need to be said until you are able to advocate for yourself?

• 6:21Speaker 03

  It was said ultimately three times. Then the third time is when I left.

• 6:24Caleb Hammer?

  Okay, how long were you together?

• 6:26Speaker 03

  We were together three years and some change.

• 6:28Caleb Hammer?

  Okay, she's through finances for three years. So you're saying everything here is because of her?

• 6:33Speaker 03

  For the most part.

• 6:34Caleb Hammer?

  Really? Cause the last time someone said that, it was like 5%.

• 6:37Speaker 03

  A lot of it happened while we were together. A lot of it happened while we were together. The debt, like if I didn't have.

• 6:43Caleb Hammer?

  If you didn't have money to go treat her, you would just go into debt to treat her?

• 6:47Speaker 03

  I would use like the Cash App borrow or use Afterpay.

• 6:53Caleb Hammer?

  Why are you struggling today? Cause we're four months in, four and a half months in from New Year's.

• 6:58Speaker 03

  Yeah, I get paid like twice a month. I still have to pay all my bills.

• 7:02Caleb Hammer?

  Pay twice a month. Welcome to Paychex.

• 7:04Speaker 03

  Yeah, I have to pay all of my bills.

• 7:06Caleb Hammer?

  Okay, welcome to adulthood. You're 26.

• 7:08Speaker 03

  Whatever money I have left over, I am trying to put towards my debt.

• 7:12Caleb Hammer?

  Are you?

• 7:14Speaker 03

  I mean, yeah, I'm trying. Yeah.

• 7:16Caleb Hammer?

  What is trying? When you don't actually do it, how can you tell me you're trying? Like, what is that word?

• 7:21Speaker 03

  Whatever money I have left over after bills, after gas, after whatever necessities I need at the house, I'll put towards my credit card or towards the Cash App.

• 7:31Caleb Hammer?

  I'll put towards credit card, which is why I spend hundreds on miscellaneous bullshit, hundreds on going out to eat. That's not going towards the credit card. That's money going towards bullshit.

• 7:44Speaker 03

  A lot of it was when we were together and.

• 7:47Caleb Hammer?

  No, this isn't. You going out to eat right now after your terrible two checks? Oh, crazy. How are you gonna survive two checks? No one else has to deal with that. You can't tell me it all goes to the credit card when it goes to going out to eat and miscellaneous bullshit.

• 8:02Speaker 03

  It was going out to eat with her.

• 8:04Caleb Hammer?

  No, this wasn't. You broke up New Year's. We're four and a half months in.

• 8:10Speaker 03

  Yeah.

• 8:10Caleb Hammer?

  Do you not realize that time has passed?

• 8:12Speaker 03

  Yes. The debt that has accumulated majority of it.

• 8:16Caleb Hammer?

  I'm saying the money you have after your bills, you spend it on bullshit now. It's not going towards that. You can't say that's her. She's not here anymore.

• 8:25Speaker 03

  Yeah.

• 8:26Caleb Hammer?

  Yeah?

• 8:27Speaker 03

  Well, I mean, I just, I don't know.

• 8:28Caleb Hammer?

  So you're lying to me.

• 8:30Speaker 03

  How am I lying?

• 8:31Caleb Hammer?

  Cause it's not going to debt. It's going to bullshit. How are you not able to comprehend this as much? Is that the Maryland educational system?

• 8:38Speaker 03

  No.

• 8:38Caleb Hammer?

  Well, how Baltimore? I don't understand.

• 8:40Speaker 03

  I'm not from Baltimore.

• 8:41Caleb Hammer?

  Allegedly.

• 8:42Speaker 03

  Not.

• 8:44Speaker 03

  You think all black people are from Baltimore?

• 8:45Caleb Hammer?

  Yes. So-

• 8:47Speaker 03

  No. You think that's the hub for all black people is Baltimore? You think that's where everyone's from?

• 8:53Caleb Hammer?

  Atlanta.

• 8:53Speaker 03

  Do I sound like I'm from Baltimore? Have you ever met someone from Baltimore?

• 8:57Caleb Hammer?

  I crossed the street.

• 8:58Speaker 03

  You crossed the street? Were you scared? Were you scared? Were you scared you were gonna get robbed?

• 9:03Caleb Hammer?

  It was a joke.

• 9:04Speaker 03

  Okay.

• 9:04Caleb Hammer?

  A joke.

• 9:05Speaker 03

  Okay. No.

• 9:06Caleb Hammer?

  All, all, all is good here.

• 9:08Speaker 03

  Okay, good. I'm glad. There's no reason to be scared. I know you don't have a lot of black guests. You have not had a lot of black guests.

• 9:16Caleb Hammer?

  Ah, no, I just employ them.

• 9:17Speaker 03

  That's great. That's great. Love that for you.

• 9:19Caleb Hammer?

  Because I believe in-

• 9:22Speaker 03

  Eagle rights?

• 9:23Caleb Hammer?

  Well, let's not go that far. Trading a-

• 9:24Speaker 03

  Oh, oh!

• 9:25Caleb Hammer?

  A better future for civilization.

• 9:27Speaker 03

  Yeah, okay. I'm glad.

• 9:29Caleb Hammer?

  How do you not understand what I am trying to say, though? For that whole thing.

• 9:32Speaker 03

  Okay.

• 9:33Caleb Hammer?

  I am trying to say you are lying to me because it's not going to the cards.

• 9:38Caleb Hammer?

  It is going to bullshit.

• 9:40Speaker 03

  So after we broke up, I had to, obviously, I had to get my own apartment. We had, it was me, her, her mom, and her brother in an apartment. And so when we broke up, obviously, I couldn't live there anymore. So, had to get my own apartment. This, that, and the third, whatever. Down payment, first months, all that.

• 9:57Caleb Hammer?

  Yeah.

• 9:58Speaker 03

  Yeah.

• 9:59Caleb Hammer?

  Did you have to emergency move out where you kicked out?

• 10:01Speaker 03

  No, yes. Yeah, so we broke up New Year's Eve.

• 10:03Caleb Hammer?

  It happens, I don't know.

• 10:04Speaker 03

  I found, like, the cheapest thing I could as fast as I could, so...

• 10:10Caleb Hammer?

  What is as fast as you could? As fast as you could is you moved out and you immediately got a boyfriend.

• 10:14Speaker 03

  I didn't immediately get a boyfriend.

• 10:16Caleb Hammer?

  You immediately got a boyfriend. You got a boyfriend pretty damn quick. We're four and a half months in, you already are locked down. The thing is, if your [BLEEP] keeps getting you in trouble-

• 10:24Speaker 03

  We realized we liked each other.

• 10:26Caleb Hammer?

  It's going to keep getting you in trouble right now, though.

• 10:27Speaker 03

  We liked each other, and he treats me a million times better than my ex.

• 10:30Caleb Hammer?

  That's great, while you're three months in, while you're dating your ex for years. So we'll see how that goes. But if you're three months in and it's only been four months since you broke up, yes, you immediately got with someone. And if historically, you keep getting in these situations where you're giving everything, going into debt for the other person-

• 10:45Speaker 03

  We and him have known each other for a really long time. We've known each other for, like, as long as I've been in Texas. Like, okay, so, me and him work together- And nothing emerged until

• 10:57Caleb Hammer?

  Yeah, allegedly.

• 10:58Speaker 03

  Had broken up.

• 10:59Caleb Hammer?

  Allegedly, your ex accuses you.

• 11:01Speaker 03

  Well, yeah, because she doesn't trust men. She doesn't trust any men. No, she believes that men and women cannot platonically be friends.

• 11:09Caleb Hammer?

  From your ex that she thinks you cheated on her.

• 11:11Speaker 03

  She does think I cheated on her with him. That's what she thinks. That doesn't mean it's true. That does not mean it's true. I never cheated on her.

• 11:17Caleb Hammer?

  Well, who do we believe? You say she's verbally bad. She says you're a cheater. And now, now conveniently, you are with the guy that she accused you of cheating with.

• 11:26Speaker 03

  Okay, yeah, that does not.

• 11:27Caleb Hammer?

  So she accused you while you were dating of, hey, oop, you're cheating with him. And then conveniently, right after breaking up, you're with him.

• 11:33Speaker 03

  I cheated on her with him because at work, when there's nothing to do, we would go out by the docks and we would hit our vapes, whatever.

• 11:41Caleb Hammer?

  And conveniently, right after breaking up, you get with him.

• 11:45Speaker 03

  Well, no, she pulled up to work one day unannounced and saw me and him like just standing there talking, hitting, hitting our vapes. So she was like, why are you so close to him?

• 11:51Caleb Hammer?

  How does this change that you immediately got with him after breaking up?

• 11:55Speaker 03

  I didn't immediately get with him.

• 11:57Caleb Hammer?

  Basically damn immediately. Within a couple of weeks. Come on.

• 12:01Speaker 03

  We realized like, oh, hey, you're kind of cute. We were like, mm, you know, things kind of just emerged. Like, things just happen. Like, we, he treats me so much better. He's like, you know, you really didn't deserve that. He was going through, he got out of a relationship around the same time and him and his ex were going through the same thing. We were like, wow, we're both going through these problems.

• 12:20Caleb Hammer?

  Come on, we can all read through this.

• 12:22Speaker 03

  You can believe whatever you want to believe.

• 12:24Caleb Hammer?

  You were also just endlessly complaining about your girlfriend all day at work around this guy. His relationships ending like that.

• 12:31Speaker 03

  Everyone at work complains about their home life. Everyone at work complains about their home life.

• 12:34Caleb Hammer?

  I don't just sit here complaining about my relationship all day.

• 12:38Speaker 03

  You never vent to anyone. You never vent to anyone about things that are going wrong.

• 12:42Caleb Hammer?

  I really don't think so. No, I'm getting head shake nose.

• 12:44Speaker 03

  Like your best friend, your parent, like you don't vent.

• 12:47Caleb Hammer?

  Bad shit isn't happening.

• 12:49Speaker 03

  Okay, good. I'm glad. But bad shit was happening for me. So yes.

• 12:53Caleb Hammer?

  But you're, but with the person that also conveniently like, oh, he's getting out of a relationship. Oh, I'm getting out of a relationship. Oh, we definitely haven't been cheating. We're not together. Oops, we're together.

• 13:04Speaker 03

  We never cheated.

• 13:06Caleb Hammer?

  Right, but your ex was seeing flirty messages with other men in Discord.

• 13:10Speaker 03

  That was years. She scrolled back years in my messages. I was at work, she was at home. She knew I was-

• 13:18Caleb Hammer?

  She worked with you.

• 13:19Speaker 03

  This, so we did work together.

• 13:21Caleb Hammer?

  She saw what was happening.

• 13:22Speaker 03

  We worked together, her position, everyone in that position, that whole position got laid off. So she got laid off, she collected unemployment, so she was home all the time, I still had my job there. So when I was at work, she texted me like, "Oh, here are these guys you're in the server with."

• 13:35Caleb Hammer?

  Did you ever sleep with a guy in Discord?

• 13:37Speaker 03

  Yeah, but it was not when we were together.

• 13:42Speaker 03

  It was years before I even met her that I slept with this guy. And we're all from a small town, like, things happen, everyone knows everyone, we can still be friends after things happen like that.

• 13:52Speaker 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.

• 14:22Speaker 03

  And it's not weird, you know, like, that's just the friend group, like, it's- Everyone can be friends, like, it's only weird if you make it weird. So anyway, she saw these messages that were from literally years before I met her, but she was mad that I was still in communication with them.

• 14:37Caleb Hammer?

  So when your pussy keeps getting you in trouble, it's because you're cheating.

• 14:39Speaker 03

  I'd never cheated on her.

• 14:42Caleb Hammer?

  You wouldn't admit that right now.

• 14:44Speaker 03

  Do you have a Bible in here? I will right hand swear on the Bible that I never cheated on her.

• 14:47Caleb Hammer?

  Are you religious?

• 14:48Speaker 03

  That's like the holy grail of telling the truth, isn't it?

• 14:51Caleb Hammer?

  Okay, well, isn't that the whole point of swearing on the Bible is if you believe in it?

• 14:55Speaker 03

  That's like the most way I can prove that I didn't cheat on her. No.

• 14:59Caleb Hammer?

  So it wouldn't matter?

• 15:00Speaker 03

  Oh, well, I don't know how else to prove that I'm telling the truth. You're gonna believe whatever.

• 15:05Caleb Hammer?

  Because she worked there too.

• 15:06Speaker 03

  She saw us next to each other.

• 15:08Caleb Hammer?

  And you got together immediately with him afterwards.

• 15:10Speaker 03

  The flirting messages were with someone completely different from literally years ago.

• 15:13Caleb Hammer?

  Like, don't get me wrong, I'm leaning on the side of, okay, you probably didn't, but just with how everything is lining up.

• 15:19Speaker 03

  No, she was super trad in the sense where she didn't believe that men and women could platonically be friends. She did not believe that at all, even with her own brother.

• 15:29Caleb Hammer?

  And maybe she was right though, cuz you got with him immediately.

• 15:32Speaker 03

  Even when we were together, I would hang out with her brother.

• 15:35Caleb Hammer?

  When was the first day he stuck it in you?

• 15:38Speaker 03

  Oh, my God, not till, like, February, like, literally time.

• 15:43Caleb Hammer?

  If you guys are three months in, that doesn't line up. That means you guys started dating before.

• 15:47Speaker 03

  February. No, we started dating at the end of February.

• 15:51Caleb Hammer?

  But then you're not three months in.

• 15:52Speaker 03

  We're coming up on three months. Careful, your eyes will get stuck like that.

• 15:58Caleb Hammer?

  What, doing this?

• 15:59Speaker 03

  Yeah.

• 16:00Caleb Hammer?

  It's not eyes, it's...

• 16:01Speaker 03

  Your eye literally almost rolled in the back of your head. I had no one to tell me what I could and couldn't do. So, yeah, I had this extra money that I wasn't spending on her, so it felt good to spend it on myself.

• 16:14Caleb Hammer?

  There it is, cope the f*** cope. You said your money after bills are going to debt, no, they're going after feeling good about yourself and slitting your eyebrows. That's it.

• 16:24Speaker 03

  It, yeah, it does make me feel good when I haven't been able to do anything for myself for three years.

• 16:29Caleb Hammer?

  You lied to me.

• 16:30Speaker 03

  I was not able to do anything for myself for three years.

• 16:34Caleb Hammer?

  You lied to me, caught you in the lie. Hmm, only if I had more proof on the cheating.

• 16:38Speaker 03

  How did I lie?

• 16:38Caleb Hammer?

  Cuz you said it would all go to debt after bills. No, it goes to bullshit, and you're saying it's cuz it makes you feel good because you never had to do things.

• 16:44Speaker 03

  And I would put money towards my debt. I'm not saying I would put everything that I had left over towards my debt. Yeah, I would put some towards my debt, but yeah, I would buy myself things to feel good.

• 16:56Caleb Hammer?

  So it's a lie, you lied to me.

• 16:59Speaker 03

  How's that a lie?

• 17:00Caleb Hammer?

  All going to making you feel good, not going towards debt.

• 17:03Speaker 03

  Some of it is going towards debt.

• 17:05Caleb Hammer?

  Like, a minimum payment, but that's the basic bare minimum.

• 17:10Speaker 03

  It's something.

• 17:11Caleb Hammer?

  Not if you still spend on it. That just makes it go worse.

• 17:14Speaker 03

  I haven't spent on my credit card in over a month.

• 17:18Caleb Hammer?

  Well, one, I don't even know, because I have your most recent statements, but who knows? Everyone, when they apply to come on the show, changes behavior for a couple of weeks. Doesn't mean it's permanent. Just like before you go on any kind of show. Who, nothing suggests that. Look where you are, but even.

• 17:32Speaker 03

  That's why I'm here.

• 17:33Caleb Hammer?

  Oh, my gosh, you're just hitting every catchphrase. Can you just [bleep] yourself in Minecraft? This is so annoying. You're hitting every catchphrase for like no reason. The thing, I, obviously, the reality is, everyone, before they come on any show that involves changes, they do change for like a couple of weeks. That changes nothing about the reality of your actual situation.

• 17:51Speaker 03

  It's a learned behavior. Things change.

• 17:55Caleb Hammer?

  That's an excuse to do it?

• 17:56Speaker 03

  It's not an excuse. It's me saying, okay, I'm now going to change the way that I spend and change the way that I spend my money.

• 18:04Caleb Hammer?

  Well, you told Colton you're better than all the other crazy people that come on the show.

• 18:08Speaker 03

  I feel that my debt is not as bad as the average guest.

• 18:12Caleb Hammer?

  Okay, when you're spending it all on bullshit.

• 18:15Speaker 03

  I'm still not as in the hole as the average guest.

• 18:20Caleb Hammer?

  Okay, which is why your savings is negative $35.15. Negative $35.15. Negative savings. You owe on your savings.

• 18:30Speaker 03

  I paid that up, I'm pretty sure. I'm pretty sure, yeah.

• 18:35Caleb Hammer?

  I have it. No.

• 18:36Speaker 03

  My savings right now?

• 18:38Caleb Hammer?

  Yes, no, I have it.

• 18:39Speaker 03

  Okay, well, then I would have to check it, because I do not remember it being in the negative.

• 18:42Caleb Hammer?

  I don't give a shit what you remember. I have it. It has nothing to do with your memory. It is in the statement. It is here.

• 18:49Speaker 03

  Okay, well, then I'll fix that.

• 18:50Caleb Hammer?

  You can't say you're better than guests. They don't have negative savings. Owing to their savings account has something guests have. That is you. You're not better than them. How can you say that? There's a Cash App loan. You have a Cash App loan. That was a part of your income was a Cash App loan. Cash App loan. Your payroll is $2,461. What was your outflow?

• 19:12Speaker 03

  Definitely more than that.

• 19:13Caleb Hammer?

  Oh, definitely more than that, but you're better than all the guests?

• 19:16Speaker 03

  Um.

• 19:17Caleb Hammer?

  What was your outflow?

• 19:21Speaker 03

  Maybe 3,000?

• 19:24Caleb Hammer?

  3,279.22 cents. You're better than all the other guests?

• 19:28Speaker 03

  I'm not as in debt as the other guests.

• 19:30Caleb Hammer?

  Does it even matter, though, if you spend more than you make and the debt is getting worse and you're negative and you owe to your savings?

• 19:36Speaker 03

  Well, it'd be easier to fix. I'm not as in the hole.

• 19:38Caleb Hammer?

  Not necessarily, because you're lower income. If you're lower income and your holes is getting bigger, it is harder to reverse that and get out than a high-income situation and a lot of debt, who can usually still have leftovers of thousands a month that they can throw towards it and chip at it. When you're gonna have a leftover of maybe 100 or 200 a month, it's gonna take years. And that's even if you can do that and even change your behavior. Change your behavior for two weeks before coming on the show. Congratulations. You did what every guest in the history of financial has done.

• 20:04Speaker 03

  Well, yeah, this was like, you know, okay, I really wanna change things around. I wanna make a difference.

• 20:09Caleb Hammer?

  I'm glad you want to. That's good. But you can't tell me that you're all of a sudden good or you're better than the guest, because you're doing... Every guest that you've seen with worse finances changes their behavior two weeks before coming on the show. If I was going on a diet show, a workout show, a competition show, everyone would change for a moment, knowing they're coming on the show. What is matter... What matters is your behavior before, which is more likely to be your lasting behavior afterwards. After the fire under your butt, two weeks after coming on the show, is done. That is what matters.

• 20:37Speaker 03

  It won't be done. I plan on taking this.

• 20:40Caleb Hammer?

  Well, it always is done, no matter what.

• 20:42Speaker 03

  Sure, but I really plan on taking this and making a difference.

• 20:47Speaker 03

  I do. That's why I came on the show. You're helpful.

• 20:50Caleb Hammer?

  Okay, so you got into all this because of your ex-girlfriend, and you couldn't handle that. What does the current boyfriend know that you're leaning on now so quickly?

• 20:59Speaker 03

  He doesn't know about the debt, because his last relationship had a lot of debt in it, and he had to pay towards the debt in his relationship, and the debt was not his.

• 21:13Caleb Hammer?

  So you're hiding the debt?

• 21:15Speaker 03

  We just haven't talked about it.

• 21:16Caleb Hammer?

  What do you mean you haven't talked about it? You could talk about it if you wanted to talk about it.

• 21:19Speaker 03

  We just haven't talked about finances.

• 21:20Caleb Hammer?

  You could, you could, you could. Not saying you necessarily need to a few months in, but you could. Especially if you know he has a past relationship negative with that.

• 21:27Speaker 03

  Yeah, because he's against it. I don't want to have an argument about it.

• 21:31Caleb Hammer?

  He's your boyfriend. Should you not be on the same page relatively? Or what's the point of being boyfriend, girlfriend? Are you trying to make it last longer or is this just something for fun?

• 21:40Speaker 03

  Yeah, I want it to last longer. Yeah, I want it to last longer for sure.

• 21:42Caleb Hammer?

  Obviously, you need to have the conversation if he's struggling with it.

• 21:44Speaker 03

  Yes, I know I need to have the conversation.

• 21:45Caleb Hammer?

  And you guys have a completely diverging worldview.

• 21:48Speaker 03

  Okay, we can, that's, that's the point. It's new, it's fresh. Yeah, we can grow. There's a lot of room to grow. I'm gonna, you know, bring it up to him at some point, yeah.

• 21:57Caleb Hammer?

  When?

• 21:58Speaker 03

  When the time's right. There's no reason to talk about it right now.

• 22:01Caleb Hammer?

  Well, because he has that issue and you're just hiding it.

• 22:04Speaker 03

  Whenever it's smaller, it would be easier to talk about. Because so then he won't like, you know, freak out as much.

• 22:11Caleb Hammer?

  That's what everyone says, though, and that delays them talking about it forever. Freak out, shouldn't. Wouldn't it be fair for him to know what's going on if he's dealt with this before?

• 22:19Speaker 03

  What would it change?

• 22:19Caleb Hammer?

  It's you being honest because you know he's dealt with this before. And like, hey, I'm working on this. I'm trying to deal with this.

• 22:25Speaker 03

  Exactly, and I am working on it.

• 22:27Caleb Hammer?

  Yes, but he doesn't know.

• 22:28Speaker 03

  And he will know when it's better.

• 22:32Caleb Hammer?

  But what if it doesn't?

• 22:34Speaker 03

  It will, I promise.

• 22:35Caleb Hammer?

  You, well, that means nothing because everyone promises that. That means nothing.

• 22:40Speaker 03

  I mean it, I really do mean it because I want me and him to work. And I want my finances to get better.

• 22:46Caleb Hammer?

  Okay, well, I know you've lied about money in past relationships. Or you've lied in past relationships. In general, so.

• 22:54Speaker 03

  There is nothing.

• 22:55Caleb Hammer?

  This is just a continuation.

• 22:57Speaker 03

  There is nothing wrong with a white lie.

• 22:59Caleb Hammer?

  What's a white lie?

• 23:00Speaker 03

  A white lie, like to, like to simply save an argument. Like whenever you just don't feel like arguing, like that's what a lot of, like happened with like me and my ex, like everything was an argument. So yeah, sometimes I would just kind of. Not tell the whole truth to avoid the argument. It's tiring. It's exhausting.

• 23:21Caleb Hammer?

  Okay, so that if you're actually ready to change, you're on board for this plan then?

• 23:25Speaker 03

  I am on board for the plan, but I don't really want. I want to keep living the way I live. I want to keep living the way I live.

• 23:35Caleb Hammer?

  Well, but you might not be able to. That's what sacrifice is.

• 23:38Speaker 03

  Yeah, there's sacrifice, but how much do you really need to sacrifice? You know, like?

• 23:42Caleb Hammer?

  Usually a lot to do anything that is hard. Depending. I mean, I don't, I don't know the. What? What do you not like about the plan? Drowning in student loans with massive interest rates? I see it on the show all the time. People get a loan to advance their careers, only to be left with sky-high interest rates and crazy minimums that leave their paycheck gutted. Maybe you've already gone to a normal lender to try to refinance your private student loans, and they looked at your less than perfect credit score and hung up the phone. Maybe part of you even thought, "Yeah, that tracks. I guess I'm stuck." Stop it. You don't deserve to be buried in a high-interest loan for the rest of your life because you hit a rough patch. The banks aren't rejecting you because you're a lost cause. They're rejecting you because you're not profitable enough for them at a manageable rate. That's where Y Refi comes in.

• 24:27Caleb Hammer?

  Y Refi works specifically with borrowers who can't get refinancing through traditional lenders. It's their whole thing. They refinance private student loans, so you're only paying interest between 0.1% and 5.99%. And they legally cannot charge you more than that. They'll even customize your payments to get you out of debt at a pace that works for you. And if you need a co-borrower to release from your loan, they've got a program for that, too. Plus, their team is in Phoenix, Arizona, so when you call them, you talk to a real person. It only takes three minutes to check your rates, and it doesn't impact your credit score. If you've been told no a million times, try Y Refi. Head to yrefy.com/hammer. That is Y-R-E-F-Y.com/hammer. Or call 888-Y-REFI-78. That is 888-Y-REFI-78. Break free from the high-interest trap and get your finances under control once and for all.

• 25:11Caleb Hammer?

  You suck with money, so you download a budgeting app. You start with the classic one, Y-Net, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? They're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollar Wise. Built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is.

• 25:56Caleb Hammer?

  Download it now, start the free trial, dollarwise.com, link in the description below.

• 26:00Speaker 03

  I want to be able to buy a Funko Pop when I see it, or...

• 26:05Caleb Hammer?

  A Funko Pop? How is that more important than your future in any way?

• 26:09Speaker 03

  It makes me feel good. It makes me feel good. Yes, it's like, it's the instant gratification of like, you know, okay, so whenever you're feeling bad about whatever situation you're in, and oh, you, it's the same as like, you know, a sweet treat, or, or buy a little, like, some people will buy a Le Booboo. Like, you, you buy something to make yourself feel better.

• 26:29Caleb Hammer?

  And that's what sacrifice is, saying, "I'm not gonna feel better in this exact moment, so I can feel better for the rest of my f***ing life."

• 26:38Speaker 03

  Well, yeah, of course.

• 26:40Caleb Hammer?

  That's exactly what I'm talking about.

• 26:42Speaker 03

  Well, sure, sure. You can, you can save all the money in the world for a house, or for retirement and stuff like that, but like, well, yeah, but...

• 26:50Caleb Hammer?

  You don't necessarily need to for a house, but retirement, absolutely.

• 26:53Speaker 03

  Well, yeah, but like, truly, how much do you need to save before it's like, okay, I've saved this much, I can now spend?

• 26:59Caleb Hammer?

  Well, usually 20%, but that's after, what are you talking about? In the plan, I give you 50%, I need 30% on want, so this is a shit ton of money. Maybe not for your income situation, but it's still a large percentage, and 20% uninvested. If you hit that 20% on saving for retirement, you can spend a lot of money still. A larger percentage, 10% more, but that's after you have a fully funded emergency fund and you've paid off all bad debt, and you have not done that. Because you'd rather get the Funko Pop today.

• 27:25Speaker 03

  Well, yeah, I'm tired of being sad, so yeah, if I buy myself...

• 27:28Caleb Hammer?

  Why are you sad? You have a new boyfriend that's allegedly better and all this stuff that you hide things from anyway.

• 27:34Speaker 03

  He is. He's really nice, he's really sweet, he's great. But yeah, sometimes when I'm feeling bad about my debt and not having money...

• 27:40Caleb Hammer?

  You feel bad about not having money, so you spend money?

• 27:42Speaker 03

  It makes me feel good. It makes me feel good.

• 27:46Caleb Hammer?

  Okay, you need healthier coping mechanisms.

• 27:49Speaker 03

  I probably do, that's why I'm here, like, I...

• 27:54Speaker 03

  I'm going to do what makes me feel good. And

• 27:58Caleb Hammer?

  Then

• 27:59Speaker 03

  that helps me sleep at night.

• 28:03Caleb Hammer?

  So you're okay being in bad debt and not having retirement for the rest of your life then? Because that's what that alternative looks like.

• 28:09Speaker 03

  What's retirement really going to do for someone in today's age?

• 28:12Caleb Hammer?

  Being able to retire.

• 28:13Speaker 03

  But dude, what like, I'm gonna be 90 by the time I'm able to retire.

• 28:17Caleb Hammer?

  Well, yes, if you don't save for retirement, correct. What are you talking about? Of course.

• 28:22Speaker 03

  That's just

• 28:22Caleb Hammer?

  That's why you save for retirement. You're 26, you have time on your side. You have compound growth on your side.

• 28:28Speaker 03

  But then like, what's the point? If I'm just still working and still

• 28:32Caleb Hammer?

  So you're not working at 65. In your picture, you're working until 90 because you didn't save.

• 28:40Speaker 03

  I don't know. I just don't see it.

• 28:42Caleb Hammer?

  How do you not see it? Make the math make sense. Tell me. What's the argument?

• 28:45Speaker 03

  Right now, I am paying my bills.

• 28:48Caleb Hammer?

  Are you? Because your boyfriend gives you money sometimes.

• 28:50Speaker 03

  He gives me gas money. Yeah, he'll give me gas money.

• 28:54Caleb Hammer?

  Money from your brand new boyfriend. That's pathetic.

• 28:57Speaker 03

  He is nice to me and he's like, oh, you deserve this.

• 29:01Caleb Hammer?

  Deserve?

• 29:02Speaker 03

  Yeah.

• 29:02Caleb Hammer?

  Deserve sugar baby treatment.

• 29:04Speaker 03

  It's, it's, and I do deserve it.

• 29:06Caleb Hammer?

  Money from a brand new boyfriend that you definitely did not cheat on with.

• 29:09Speaker 03

  I didn't cheat on him, but he feels I deserve it. He's, he's, he is a gentleman. He's a gentleman. He opens doors for me. He calls me beautiful all the time.

• 29:17Caleb Hammer?

  Getting money from him.

• 29:19Speaker 03

  Becau-

• 29:20Caleb Hammer?

  To pay for [bleep] things because you can't deal with it.

• 29:22Speaker 03

  I deserve it because I'm a good girlfriend.

• 29:24Caleb Hammer?

  Or because you can't pay for [bleep] gas.

• 29:27Speaker 03

  He thinks I deserve it, so I'm not gonna say no.

• 29:30Caleb Hammer?

  You can't afford gas or you deserve it?

• 29:32Speaker 03

  Well, sure, yeah, I need the money for gas, but

• 29:35Caleb Hammer?

  Exactly. There it is.

• 29:36Speaker 03

  And he gives it to me. And he gives it to me. So what's the problem?

• 29:40Caleb Hammer?

  That's the problem. Your boyfriend, your new boyfriend.

• 29:43Speaker 03

  He doesn't have a problem with it.

• 29:45Caleb Hammer?

  That's not the pro- that's not the point. How are you? How? I don't, how are you so stupid? That's not the point. The point is that you were having to borrow from your boyfriend. And you're telling me you're better than other guests?

• 29:56Speaker 03

  It's not borrowing, cause he gives it to me.

• 29:57Caleb Hammer?

  Take from your boyfriend, yes.

• 29:59Speaker 03

  He gives it to me.

• 29:59Caleb Hammer?

  Oh my gosh. Yes, you just, what, you just keep repeating the same like couple of words over and over again? And you think that all of a sudden changes something? Listen, you have to take money from him in order to pay gas, a necessity for living. That's how fucked you are. You're not better than other guests. You're not doing well. You're not even, retirement's not even in the picture of the conversation.

• 30:21Speaker 03

  How long would it really take to save up money for retirement?

• 30:26Caleb Hammer?

  Decades.

• 30:28Speaker 03

  But like, I feel like I still have time to do that.

• 30:30Caleb Hammer?

  No. Because you'll be in bad debt forever and the indication of that, the proof of that is that you are getting gas money from your boyfriend.

• 30:40Speaker 03

  Sure, if he helps, sure, but I mean, even if I started retirement-

• 30:44Caleb Hammer?

  Are you sure the actual financial problem, if he has to give you money, his current girlfriend?

• 30:49Speaker 03

  He likes to help me. It makes him feel-

• 30:52Speaker 00

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• 31:21Speaker 03

  Good.

• 31:21Caleb Hammer?

  That is not the point. Was that my question? Was my question if it makes him feel good or if he wants to? Was that my question? No, it wasn't. Stop being a dumb fuck. Are you sure? You can say that you were the problem in the previous relationship when in your current relationship, your boyfriend has to get you gas.

• 31:38Speaker 03

  He doesn't have to, he chooses to.

• 31:40Caleb Hammer?

  You said that you wouldn't be able to get gas without it.

• 31:43Speaker 03

  And I wouldn't, but he, he chooses, but he chooses to give it to me.

• 31:47Caleb Hammer?

  He chooses to out of your necessity. So you cannot tell me that you were not a problem at all in this previous relationship financially.

• 31:55Speaker 03

  I don't see myself as a problem in my past relationship. I really don't.

• 31:58Caleb Hammer?

  How do you see what you're doing now?

• 31:59Speaker 03

  Because I provided everything for her. I paid for everything for her. So I don't see myself as the problem financially in my past relationship. If she didn't have money for something, I paid for it. And then when I didn't have any money left over from paying everything for her, it wasn't a problem. It was I overspend. I don't know how to save my money because all the money I had went to her. Every, everybody-

• 32:23Caleb Hammer?

  How do you feel that that is now you in your current relationship?

• 32:27Speaker 03

  I don't ask him for money. I don't ask him for money.

• 32:30Caleb Hammer?

  Why does he give it?

• 32:31Speaker 03

  Because-

• 32:31Caleb Hammer?

  Not because it makes him feel good. How does he know you need gas money in that moment?

• 32:35Speaker 03

  He gets in my car. I mean, he gets in my car. Like, he can look and see where my gas-

• 32:40Caleb Hammer?

  Driving together, he gets gas money?

• 32:42Speaker 03

  He can see when I'm low on gas and be like, oh, here, fill up. Like, I don't ask him-

• 32:47Caleb Hammer?

  Anything else?

• 32:48Speaker 03

  No.

• 32:49Caleb Hammer?

  He doesn't buy meals or get caught?

• 32:52Speaker 03

  That's normal, though. That's any couple, yeah.

• 32:54Caleb Hammer?

  Money, especially if you're still going out to eat.

• 32:57Speaker 03

  He'll, he'll take us out to eat. He'll buy us food.

• 32:58Caleb Hammer?

  You're still buying food. Additional.

• 33:01Speaker 03

  Groceries, yeah.

• 33:03Caleb Hammer?

  Going out to eat is not groceries, dummy. Stop.

• 33:06Speaker 03

  I mean, I'll buy coffee and lunch sometimes, yeah.

• 33:08Caleb Hammer?

  Uh huh. Instead of putting it towards debt, which was your entire argument.

• 33:12Speaker 03

  But I put some towards debt. I don't, it's not like I'm not putting anything towards it.

• 33:17Caleb Hammer?

  Minimum monthly payments is basic.

• 33:19Speaker 03

  Yeah. And I'm doing that.

• 33:21Caleb Hammer?

  Why don't you call your boyfriend? Let me see what he thinks.

• 33:24Speaker 03

  I can try calling him. He's at work right now. He might not answer.

• 33:26Caleb Hammer?

  Yeah, try to call him.

• 33:27Speaker 03

  Okay. I mean, he might not answer.

• 33:32Caleb Hammer?

  So try to call him and find out. Why are you arguing me on-

• 33:36Speaker 03

  I'm just letting you know, he might not answer. And I have terrible service here.

• 33:41Caleb Hammer?

  Oh my goodness, this is every excuse in the world. You're so-

• 33:44Speaker 03

  An excuse that I have terrible service? That's the building.

• 33:46Caleb Hammer?

  Just call and if it doesn't work, it doesn't work. My goodness, you don't have to- Oh my gosh, you're so difficult.

• 33:54Speaker 03

  Hey, can you hear me?

• 33:57Speaker 04

  Hey, what's up?

• 33:57Speaker 03

  Hey, uh, someone wants to talk to you. Okay.

• 34:01Caleb Hammer?

  Hello?

• 34:04Caleb Hammer?

  Why the are you having to give your girlfriend money?

• 34:09Speaker 03

  He doesn't have to.

• 34:10Speaker 04

  Uh, just cause, just cause I'm, I'm, I'm just nice. I'm just nice like that.

• 34:16Caleb Hammer?

  Yes, you're nice, but the fact that you're having to.

• 34:19Speaker 03

  He doesn't have to.

• 34:20Caleb Hammer?

  Shut up. Am I talking to you or am I talking to him?

• 34:22Speaker 03

  Talk to him. He's gonna say the same thing. He doesn't have to.

• 34:26Speaker 04

  I don't feel, I don't feel obligated at all. I, I really do it out of the kindness of my heart.

• 34:30Caleb Hammer?

  Okay, but if you didn't do it, she wouldn't be able to afford gas.

• 34:34Speaker 04

  I didn't know that.

• 34:36Caleb Hammer?

  Don't you have trauma in your previous relationships with financial issues?

• 34:41Speaker 04

  Absolutely, absolutely. I was in a toxic relationship for over half a decade and I've spent a long time helping her pay off her debt.

• 34:52Caleb Hammer?

  How old are you?

• 34:54Speaker 03

  He's 24.

• 34:54Speaker 04

  Uh, 24.

• 34:55Speaker 03

  He'll be 25 this year.

• 34:56Caleb Hammer?

  Okay, uh, okay, so you had to pay off all her debt. How much debt is your current girlfriend in?

• 35:03Speaker 04

  I'm not sure. We haven't really talked about that. We've, we've only been dating a couple of months now.

• 35:09Caleb Hammer?

  I agree. It is kind of, it is pretty early for like the big in-depth finance talks, but because of your previous, your previous issues with your ex, would that not be something that if she cared, if she loved you, wanted to kind of get out of the way so that you weren't going down the same situation again?

• 35:28Speaker 03

  There's just no reason to talk about it right now.

• 35:29Speaker 04

  How much, how much debt are we talking here? I, I, I didn't really know that like she was in debt.

• 35:37Caleb Hammer?

  $15,586.97. She has one, two, three, four, five, six, seven individual debts. Her savings is negative $15. She owes to her savings, so that's an additional debt right there. And she spent a thousand dollars more than she made last month.

• 35:54Speaker 04

  That's. That's more debt than my ex had. Uh, why? Is, is, can she hear me?

• 36:03Caleb Hammer?

  She can.

• 36:04Speaker 03

  Yeah.

• 36:05Speaker 04

  Is there any specific reason that you were holding this from me?

• 36:10Speaker 03

  No, there was just no reason to talk about it yet.

• 36:14Caleb Hammer?

  But you know his past.

• 36:16Speaker 03

  Exa- so why bring it up right now?

• 36:19Speaker 04

  You, well, that's the thing. You did, you knew that I spent over half a decade already helping somebody pay off their debt.

• 36:26Speaker 03

  Well, I was never gonna ask you for help to pay towards my debt, so that's why I wasn't gonna stress you with it.

• 36:30Caleb Hammer?

  Until you can't, you lose your job, something happens, he's your boyfriend.

• 36:35Speaker 04

  Exactly. We're together. Like, this is kind of a, a big thing to keep for me.

• 36:40Speaker 03

  But I wouldn't put him in that position. I said, I'm not gonna make him pay for my debt.

• 36:46Speaker 04

  But why didn't you just tell me?

• 36:48Speaker 03

  I didn't want you to, like, reconsider things.

• 36:52Caleb Hammer?

  Isn't that manipulative then?

• 36:53Speaker 04

  This, this, this is a big thing to reconsider. Um.

• 36:59Speaker 03

  But it's not, it's not your problem to deal with. That's why I just was gonna handle it.

• 37:05Speaker 04

  You're right. It's not my problem to deal with. I've, I've dealt with this shit for too long.

• 37:10Caleb Hammer?

  And this is, and it's weird that you're hiding it.

• 37:12Speaker 03

  I was never hiding it. We just never talked about it.

• 37:15Caleb Hammer?

  You never talked about it, but you did not engage.

• 37:18Speaker 03

  I just, I did not see a reason to.

• 37:20Speaker 04

  Yeah, this is a hell of a thing to hide. Um.

• 37:23Speaker 03

  I didn't wanna stress you out.

• 37:25Caleb Hammer?

  That's, hey, I'm just gonna let you know, that's the excuse that every single, uh, person that has come on in a Couples episode, who ends up hiding even more things in the future. That's the exact excuse they use. I didn't wanna stress you out.

• 37:42Speaker 03

  There was no reason for him.

• 37:43Caleb Hammer?

  Just gonna let you know, that does nev- that never ends up well.

• 37:47Speaker 04

  I, I'm, I, I just don't have the energy for something like that. I, I just don't.

• 37:53Caleb Hammer?

  So like, I do agree, maybe we didn't need to have the full conversation yet in a in a traditional relationship this early, but she knows your past. She's able to speak very well on the struggle you dealt with. Would it not make sense in your opinion that then she would have brought this up knowing your struggle in the past?

• 38:13Speaker 04

  Absolutely, absolutely. I was in a relationship where I never seen my own money, so I just don't want to hop into something like that again. I understand that you say it's not my problem, but we're together, it's going to be my problem.

• 38:31Speaker 03

  But it's not your problem right now. It's not something-

• 38:34Caleb Hammer?

  Yeah, but he knows it could be in the future.

• 38:36Speaker 04

  But what about the future?

• 38:37Speaker 03

  But I would never concern him with my problems.

• 38:40Caleb Hammer?

  You can't say that.

• 38:41Speaker 04

  You, you have to. We're together. You have to concern me with your problems.

• 38:46Speaker 03

  I mean, sure, if like, we were about to make a big investment together, yeah, then I would be like, hey-

• 38:51Caleb Hammer?

  What? Is it you guys dating and investment in each other?

• 38:54Speaker 03

  Financial in- investment, sure.

• 38:56Caleb Hammer?

  Still, it's the whole picture.

• 38:57Speaker 03

  But we don't have any conjoined finances or anything right now. Like, everything is separate.

• 39:02Speaker 04

  But that's still gonna put a hole in any of my future plans if I do want to make an investment.

• 39:07Speaker 03

  But that's so far future.

• 39:11Speaker 04

  Are you kidding me?

• 39:13Speaker 03

  My debt right now doesn't like, affect you, and I don't-

• 39:18Speaker 04

  Right now, but it will in the future if we're gonna stay together. Why don't you understand that?

• 39:23Speaker 03

  And, and then we could deal with it in the future, but right now, it's not something that's a problem.

• 39:29Speaker 04

  Are you serious?

• 39:30Speaker 03

  Yes, I'm serious. It's not a problem right now.

• 39:34Speaker 04

  I, I can't, I can't do this. I can't do this.

• 39:37Speaker 03

  I-

• 39:38Speaker 04

  Why?

• 39:40Speaker 03

  I have another thing to tell you-

• 39:47Caleb Hammer?

  What?

• 39:47Speaker 03

  If we're being honest about debt.

• 39:49Caleb Hammer?

  Yes, what?

• 39:50Speaker 03

  Um, whenever me and my ex broke up, I, like I said, I had to like, immediately get my own place, so I had to break the lease at my old apartment, and so they're wanting like, I don't know, like $2,000 for like-

• 40:08Caleb Hammer?

  I didn't have that debt. That's additional.

• 40:11Speaker 03

  Well, it's not like an actual debt. They're just saying, hey, we want you to pay for this.

• 40:15Caleb Hammer?

  That's a debt!

• 40:18Speaker 03

  But it's-

• 40:18Speaker 04

  So not only do you have- Other debts, but you have a debt with your ex?

• 40:25Speaker 03

  They want me to pay towards the apartment because I broke the lease early.

• 40:30Speaker 03

  And I feel like I shouldn't have to do that.

• 40:32Caleb Hammer?

  Shouldn't have to.

• 40:33Speaker 03

  I don't live there anymore. Any damages is on them.

• 40:36Speaker 04

  That's another worry. I thought you were gonna cut off all ties with your ex. I, I don't understand. I, this, this is a lot to hide. I, I, we gotta have a serious talk because this is, this is really affecting me right now. Uh, I don't, I don't even know what to say.

• 40:54Caleb Hammer?

  Well, I'm just gonna let you, I'm just gonna let you know, cuz I guess this is honesty moment. Her ex is currently threatening her with a lawsuit, but she didn't wanna tell you.

• 41:03Speaker 03

  She says she'll sue anybody.

• 41:04Caleb Hammer?

  I know, but you specifically didn't tell your boyfriend.

• 41:07Speaker 03

  Because she's crazy. So why am I gonna be like, oh yeah, my ex said she's gonna sue me if I don't pay her. She, she would threaten anything.

• 41:14Caleb Hammer?

  But you just won't tell him anything.

• 41:16Speaker 03

  Because why would I stress him out?

• 41:17Caleb Hammer?

  Why would you tell, yeah, yeah.

• 41:18Speaker 03

  Why would I stress him out?

• 41:19Caleb Hammer?

  Stress him out, that's your answer for everything, though. Just, you're allowed to say things.

• 41:24Speaker 03

  Because I'm gonna handle my shit. I'm gonna handle my own shit. Why am I gonna put that on his plate? He, there's no reason for him to know and stress out about it. That's my problems.

• 41:32Speaker 04

  Look, that's, that's a lot of debt. And I, I, I, I know around what you're making right now. This is gonna, this is gonna take a long time.

• 41:45Caleb Hammer?

  Yeah.

• 41:45Speaker 03

  Yeah, but I would handle that. I wouldn't ask him to help.

• 41:48Caleb Hammer?

  What do you think about her negative balance in her savings? She actually owes her savings account money.

• 41:56Speaker 04

  I, this is all news to me. I'm already in shock. I just,

• 42:04Speaker 04

  like, I didn't even, cuz she never asked me for money. I just, I, I knew she was on her own. I didn't know she had debt, though. I just, I, I was just giving money cuz like, oh, you know, she's paying rent by herself, like roommate.

• 42:20Speaker 03

  See, that's what I mean. Your service is terrible in here. The coal probably dropped.

• 42:23Caleb Hammer?

  You still with me?

• 42:25Speaker 04

  Yes.

• 42:25Caleb Hammer?

  Uh, you want, can you repeat that last sentence?

• 42:28Speaker 04

  I, I just knew that she was on her own and didn't have any help from her roommate. So I was just like, I didn't feel obligated. I was just giving money to be nice.

• 42:37Speaker 03

  Yeah.

• 42:38Speaker 04

  I didn't know she like actually needed it.

• 42:40Caleb Hammer?

  Hmm. Well, you're giving her that money to be nice. And as you were saying that a notification for Pokemon Go popped up on the phone. And usually when that happens on the show, I haven't looked into it yet, but most guests spend a hundred to $200 a month on Pokemon Go.

• 42:54Speaker 03

  I haven't played Pokemon Go in years. I just never deleted it.

• 42:56Caleb Hammer?

  Okay.

• 42:57Speaker 03

  I have some, I have some Chinese on there.

• 42:59Caleb Hammer?

  Also, I did just find out that even though we're reimbursing her on Venmo, it actually might be a net loss because apparently she owes Venmo money as well. I didn't know that either. So it just keeps stacking.

• 43:10Speaker 03

  I haven't used Venmo since like high school.

• 43:11Speaker 04

  What else do, do you owe?

• 43:16Speaker 03

  I think that's it. I really think that's it. I don't think there's anything else.

• 43:21Speaker 04

  Are you sure?

• 43:22Speaker 03

  I think so.

• 43:23Caleb Hammer?

  This dude had to deal with a shitty relationship in the past where he was paying someone else's debt. I don't think you have to tell someone two months into, well, two months into dating, I don't know, that is when we start having conversations, but even still, like if you wait a little bit longer, it's not the end of the world. Three months, maybe, but you know his problem. It would have only been fair for him to know what is going on in your life and tell him that you're working on it. Yes. Not, not asking for help from him, but to let him know what's happening based on his past. Wouldn't you agree with me, guy?

• 43:55Speaker 04

  I agree that I have had my kindness taken advantage of, and I don't want that to happen again.

• 44:02Speaker 03

  I don't take advantage of him. I never asked him for money. I never asked him for money. I never would.

• 44:06Speaker 04

  In the future, whenever you said it's not a problem right now, but when it is a problem, that's what it'll feel like.

• 44:14Speaker 03

  But I wouldn't put that on your plate.

• 44:17Caleb Hammer?

  That you can't say that. You can't promise that. You don't know what happens in layoffs and stuff.

• 44:21Speaker 04

  You can't say that if we're together.

• 44:25Caleb Hammer?

  Listen, before I let you go, I just wanna know what's going through your head right now. And I'm, I'm sorry that you're learning this all at once.

• 44:30Speaker 04

  No, no, it's, I, I'm, I'm in shock. I've, I, you, you lost some, some trust points with me. I need to have a serious talk with you. Um, I, I'm, I'm heartbroken, honestly.

• 44:45Caleb Hammer?

  Yeah, that's fair. That is fair. She said, she's sorry with a smug, non-believing face.

• 44:52Speaker 03

  How's that smug, non-believing? I am sorry. I didn't wanna stress him out. That was the whole point, is that I didn't wanna stress him out. Now he's worried about it, and it's not his problem.

• 44:59Caleb Hammer?

  Alright, well have a good rest of your day.

• 45:02Speaker 04

  You too.

• 45:04Caleb Hammer?

  What the f**k is wrong with you? You told him you're going to the doctor today to hide that you're coming on Financial Audit? Like, all this shit, like, what is wrong with you? Can you tell the truth about anything?

• 45:13Speaker 03

  Yes, I just-

• 45:14Caleb Hammer?

  What? You're going to the doctors?

• 45:16Speaker 03

  Well, because he didn't-

• 45:17Caleb Hammer?

  He's your boyfriend, you can just say things!

• 45:19Speaker 03

  I dealt with my ex for so long-

• 45:22Caleb Hammer?

  Your answer was just about because he didn't need to know. That's what you're starting to say.

• 45:25Speaker 03

  I didn't wanna stress him out with it.

• 45:27Caleb Hammer?

  Ah!

• 45:28Speaker 03

  I didn't wanna stress him out!

• 45:29Caleb Hammer?

  That's, but you lied about where you're going. You didn't just not, you could've just not said where you're going, but you literally lied.

• 45:36Speaker 03

  Well, I'm not at work.

• 45:37Caleb Hammer?

  You said you were going to the doctor, though.

• 45:39Speaker 03

  Cause I'm not at work.

• 45:41Caleb Hammer?

  Huh?

• 45:41Speaker 03

  If I'm not going to work, I have to say I'm going somewhere.

• 45:44Caleb Hammer?

  But you had to lie about where you're going, so you lied.

• 45:48Speaker 03

  Sure. Because I didn't, because I didn't wanna tell him I was coming here to do this.

• 45:53Caleb Hammer?

  Yes.

• 45:53Speaker 03

  For this to stress him out.

• 45:54Caleb Hammer?

  Yes.

• 45:55Speaker 03

  That was the whole point, is that I didn't want him to stress out about my problems.

• 45:59Caleb Hammer?

  You don't get to choose that for him.

• 46:00Speaker 03

  But that's my problems, it's not his problem.

• 46:03Caleb Hammer?

  It is, it actually is his problem now that his girlfriend is lying to him.

• 46:06Speaker 03

  Now it's his problem because you wanted to call him, it wasn't his problem.

• 46:10Caleb Hammer?

  It's been his problem, he just didn't know because you're lying to him.

• 46:12Speaker 03

  It was not his problem. It was my problem to deal with.

• 46:14Caleb Hammer?

  He has a lying girlfriend that he can't trust.

• 46:16Speaker 03

  He can.

• 46:17Caleb Hammer?

  No, you're literally saying that if you cheated on him, and if he didn't know, it wouldn't be his problem. But the moment he knows, then it's his problem because he found out-

• 46:25Speaker 03

  That is not the same.

• 46:26Caleb Hammer?

  Cause he found out his girlfriend's a cheating whore.

• 46:28Speaker 03

  No, that's not the same thing.

• 46:29Caleb Hammer?

  Like you likely were with your ex online.

• 46:30Speaker 03

  And I'm not a cheater.

• 46:31Caleb Hammer?

  Uh huh.

• 46:32Speaker 03

  Anyway.

• 46:33Caleb Hammer?

  You're lying about pretty much everything, really not helping with your case there.

• 46:36Speaker 03

  I, uh- If I'm the bad guy, I'm the bad guy, but I-

• 46:41Caleb Hammer?

  Come on, look what you just did. The dude's like-

• 46:44Speaker 03

  Well, because you wanted to call him!

• 46:46Caleb Hammer?

  Yes, but he should have known this information regardless.

• 46:49Speaker 03

  And he would have known eventually.

• 46:51Caleb Hammer?

  Eventually. Eventually never comes for people like you. It never does.

• 46:54Speaker 03

  Eventually. He would have known eventually.

• 46:56Caleb Hammer?

  You just said the same thing. You just immediately, you can't rebut what I say, so you just say it again.

• 47:00Speaker 03

  I feel like, I just feel like there was no reason for him to know right now. It was my problem to deal with, and I was going to deal with it in my time the best way I could.

• 47:09Caleb Hammer?

  It's kinda gross. And he agrees with me, and he agrees with me that you should have told.

• 47:14Speaker 03

  Well, yeah, of course he's gonna say that. Of course he's gonna say that.

• 47:18Caleb Hammer?

  That's your partner, the person you're building a life with now.

• 47:21Speaker 03

  Yeah, and I'm-

• 47:22Caleb Hammer?

  Who thinks how you did this was wrong.

• 47:25Speaker 03

  I can't fix it now.

• 47:27Caleb Hammer?

  No, but you keep defending it.

• 47:29Speaker 03

  Because what, what, what is, what else is there to do?

• 47:32Caleb Hammer?

  The alternative.

• 47:34Speaker 03

  And what's the alternative?

• 47:35Caleb Hammer?

  Tell, you would have told him earlier.

• 47:37Speaker 03

  Okay, well now-

• 47:37Caleb Hammer?

  But you keep defending that you didn't.

• 47:39Speaker 03

  Okay, well now he knows. So now it's, it is what it is, and he knows, and if he stays with me, then great, we can work past it. And if this is too much for him, then-

• 47:50Caleb Hammer?

  If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury ordered Meta and YouTube to pay millions for their role in designing and promoting addictive platforms. They knew their apps could contribute to anxiety, depression, and body image issues, but did not share those risks while prioritizing profits. The recent historic verdict underscores the consequences of those decisions. Now Morgan & Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over $1,000. I have an exclusive offer just for you, but there's only one week left to purchase for a one-time payment of $5-

• 48:36Speaker 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.

• 49:05Caleb Hammer?

  $100 you'll get our entire Hammer Elite catalog for life and a limited edition Hammer for Life box packed with limited edition merch you can't get anywhere else. Plus you'll get access to our exclusive four hour Hammer Elite day livestream on June 27. Plus, I just launched the brand new Hammer Elite app available on every major platform. You'll get three exclusive dedicated shows every single day, Monday through Saturday. And to celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Download the Hammer Elite app by using the link in the description or Ben comment below. This is the best membership you'll ever join, and that's a promise. What do you think your financial score is? Zero to 10, and then we got to see where this actually is sitting.

• 49:49Speaker 03

  Um, I did take the test.

• 49:51Caleb Hammer?

  Proud of you.

• 49:52Speaker 03

  I got a 4.5.

• 49:53Caleb Hammer?

  Really?

• 49:54Speaker 03

  Yeah.

• 49:55Caleb Hammer?

  That impossible with negative savings? You answered wrong. If you want to take the test and answer correctly to get your Hammer financial score, do it for free at CalebHammer.com. That's literally impossible.

• 50:04Speaker 03

  4.5?

• 50:06Caleb Hammer?

  But shut up for a second.

• 50:07Speaker 03

  Can you not?

• 50:09Caleb Hammer?

  Shut up for a second. You're so obnoxious.

• 50:12Speaker 03

  Sorry.

• 50:13Caleb Hammer?

  I don't see return. So like, it doesn't make sense. Okay, what? Get it at CalebHammer.com. It just takes a few minutes. It's free and you can see where you stand in the world of finances. And if you don't want to be like her who ends up on the show so you can answer the questions correctly, download the Dollar Wise Budget in Indianapolis and tens of thousands of monthly active users use it for a reason. They are changing their lives with those automatic account connections, the insights that you actually need to change behaviors and choose what is important, wants not important, wants things that make you happy. It helps to rank that shit so you can actually make the cuts you need the easiest way possible. It is changing lives. So get your free trial, DollarWise.com, or just download the app, click the link in the description below. Remember, most people take the annual version because it saves a lot of money and you get my detailed 30 day meal

• 50:54Caleb Hammer?

  plan that we have custom made to stick to a budget. And it is for every snack, drink, meal for a full month that you can repeat. I will sign it and mail it directly to you. There you go.

• 51:04Speaker 03

  Thank you. Do you go to the gym?

• 51:05Caleb Hammer?

  Mm-hmm.

• 51:06Speaker 03

  You do?

• 51:07Caleb Hammer?

  Mm-hmm.

• 51:08Speaker 03

  Do you skip leg day when you go?

• 51:11Caleb Hammer?

  Yeah.

• 51:12Speaker 03

  Do you really?

• 51:13Caleb Hammer?

  I mean, I just do.

• 51:14Speaker 03

  Purposefully?

• 51:15Caleb Hammer?

  I go, I go there because it's too hot out, so I just do the treadmill.

• 51:18Speaker 03

  You only do treadmill?

• 51:19Caleb Hammer?

  Yeah.

• 51:20Speaker 03

  Maybe you should focus on like day.

• 51:22Caleb Hammer?

  Okay.

• 51:23Speaker 03

  You, I saw your feet, your ankles are like that big around.

• 51:27Caleb Hammer?

  Is that true?

• 51:27Speaker 03

  Yeah, your ankles are so small. You, you're really, you're top heavy. You're really top heavy.

• 51:33Caleb Hammer?

  Well, yeah, I got a fat belly. I don't know. This is bad chat? What are we doing? What are we doing here? Okay.

• 51:41Speaker 03

  I think.

• 51:41Caleb Hammer?

  Let me know, chat.

• 51:42Speaker 03

  Yeah.

• 51:43Caleb Hammer?

  I think she's trying to find a way to get back at me after I just ruined her relationship because she's a piece of shit.

• 51:51Speaker 03

  I'm not a piece of shit. And the relationship's fixable.

• 51:55Caleb Hammer?

  Oh, wow. You'd be great to be with.

• 51:57Speaker 03

  It is fixable.

• 51:58Caleb Hammer?

  What a dream.

• 51:59Speaker 03

  Everything's fixable.

• 52:01Caleb Hammer?

  Um, okay, so you can't borrow anything from what I think here is Cash App because you've already hit your max.

• 52:08Speaker 03

  Yes, that is Cash App.

• 52:09Caleb Hammer?

  Why are you owing? Why are you at that overdue, by the way? I wish I saw that before I could even talk to him. Well, shit. Okay, listen, you're not only at that limit of $600 that you owe Cash App, but you're overdue your payment.

• 52:26Speaker 03

  Well, my limit used to be higher. My limit used to like be doubled that.

• 52:29Caleb Hammer?

  So that's okay that you're not paying this on time?

• 52:32Speaker 03

  No, I didn't say that. I'm just saying the limit is higher. Cause you're saying I'm at the limit.

• 52:36Caleb Hammer?

  Your responses are never.

• 52:37Speaker 03

  You said I'm at the limit and my limit is was higher.

• 52:40Caleb Hammer?

  Now, I don't care what it was. This is what it is. Why do I care about was when is is?

• 52:45Speaker 03

  I'm saying, you know.

• 52:46Caleb Hammer?

  Thanks for the fun fact. I'll remember that in trivia about your life.

• 52:51Speaker 03

  Okay, thanks.

• 52:51Caleb Hammer?

  This is maxed out today.

• 52:53Speaker 03

  Okay.

• 52:54Caleb Hammer?

  And you're not paying it on time. So if you're not paying it on time, you're at the actual max today. No, you're not doing better than gas and he doesn't even know that you're behind the payment.

• 53:07Caleb Hammer?

  So what the, this is another hide. It's another hide from him. Your hide is you're not even making the minimum monthly on time. When you even said, oh, so you thought my money's going towards paying debt at the beginning? Fuck you. It is past due. Overdue.

• 53:25Caleb Hammer?

  Mm-hmm. Why? Why didn't you pay? When you needed to?

• 53:30Speaker 03

  I had other, I had other bills that came first.

• 53:33Caleb Hammer?

  Oh, going out to eat? The critical necessities. The La Boo Boo, or whatever the fuck you're getting at Pop Mart.

• 53:38Speaker 03

  Funko Pop.

• 53:39Caleb Hammer?

  Funko Pop, that's right.

• 53:40Speaker 03

  No, I don't go to Pop Mart.

• 53:42Caleb Hammer?

  Didn't you, I thought you, okay, Funko Pops.

• 53:44Speaker 03

  Funko Pops are different.

• 53:45Caleb Hammer?

  Funko, okay, very good. You're getting your Funko Pops, that is more important.

• 53:50Speaker 03

  They're like fifteen dollars.

• 53:52Caleb Hammer?

  I mean, you told Colton in the green room, like, ew, I hope my reimbursement comes to Cash App today so I can put, you know.

• 53:57Speaker 03

  I said if it went to Cash App, that would be great.

• 53:59Caleb Hammer?

  That would be great, so that it pays that off, so I can borrow more money.

• 54:02Speaker 03

  That'd be great, yeah.

• 54:03Caleb Hammer?

  Thinking of Funko Pops. I put that part in, but.

• 54:06Speaker 03

  I enjoy my Funko Pop collection.

• 54:09Caleb Hammer?

  What was more important than making a payment towards this maxed out?

• 54:13Speaker 03

  I had other bills.

• 54:14Caleb Hammer?

  What though? How, how can you say that if where your money is actually going is going out to eat and other bullshit?

• 54:20Speaker 03

  I had other bills, I had other bills, and I.

• 54:22Caleb Hammer?

  Oh my gosh, literally, I swear, this is how, this is how something goes for you. I ask you a question, and you're like, well, the answer is this pen. And I'm like, okay, well, tell me about the pen. Well, the answer is this pen. Like, you're only able to say what you've already said. You can't go into further detail about anything. You are incapable of literally getting past the first brain cell in your brain.

• 54:45Speaker 03

  I'm giving you an answer.

• 54:46Caleb Hammer?

  No, no, no, you're literally just repeating the same thing over again. I said, why aren't you making the payment? Well, there's more bills. Okay, tell me about your bills. What's happening, where's the money going?

• 54:54Speaker 03

  Okay, my other bills. My other bills, I have rent, I have my car payment, I have car insurance. I have internet, I have electric, I have my phone, I have to put gas in my car.

• 55:06Caleb Hammer?

  Well, he pays for that.

• 55:07Speaker 03

  Not all the time, not all the time.

• 55:10Caleb Hammer?

  Come on, even he was basically saying that.

• 55:12Speaker 03

  I, sure, he doesn't pay for gas all of the time. I still put gas in my own car. But after all of that said and done, I then will.

• 55:22Caleb Hammer?

  Go out to eat, Funko Pops, bullshit, miscellaneous dumbassery?

• 55:27Speaker 03

  I've paid all my bills, though, so why can I not?

• 55:29Caleb Hammer?

  This is, you have not, you owe the six hundred, it's maxed out in your past due. You can't, you, you literally cannot say you paid all your bills, this is a bill.

• 55:37Speaker 03

  It'll get paid eventually.

• 55:38Caleb Hammer?

  Okay, so there's the eventually, the same eventually that is you will tell him. So you see how valuable that word eventually is for you?

• 55:47Speaker 03

  Everything comes in due time. Everything comes in due time.

• 55:49Caleb Hammer?

  What is that due time? Actually, in fact, the due time was officially due already. You just chose not to. So the due time has already happened.

• 55:57Speaker 03

  There were things that were more important than that.

• 55:59Caleb Hammer?

  Funko pop.

• 56:00Speaker 03

  There were other things that were more important than that.

• 56:02Caleb Hammer?

  What? You can't describe? I mean, you talked about rent utilities, but you're making it sound like there's something else.

• 56:07Speaker 03

  Well, no, it's just that-

• 56:09Caleb Hammer?

  What are you hiding? Is that him?

• 56:11Speaker 03

  No, that's not him.

• 56:12Caleb Hammer?

  Why is your phone- why is it on ring?

• 56:15Speaker 03

  So I can hear when it goes off? So you can-

• 56:19Caleb Hammer?

  You're one of those in public, allowing loud noises to just-

• 56:22Speaker 03

  Loud noises? It's public, dude. God forbid someone has their ringer on in public. Oh my god, it's not like I'm in-

• 56:29Caleb Hammer?

  What is wrong with you?

• 56:30Speaker 03

  It's not like I'm at a library. God forbid I have my ringer on.

• 56:33Caleb Hammer?

  I want to be clear when I say you people, I don't mean black people.

• 56:36Speaker 03

  Okay.

• 56:37Caleb Hammer?

  But why do you people?

• 56:38Speaker 03

  Mm-hmm. Go ahead. You people?

• 56:41Caleb Hammer?

  Now I care about public spaces that you're in.

• 56:44Speaker 03

  Why can I not have my ringer on? Why can I not have my ringer on?

• 56:48Caleb Hammer?

  Cause us-

• 56:49Speaker 03

  Is that a crime? There's a setting. You turn it on and off. It's a choice.

• 56:51Caleb Hammer?

  Unfortunately, it's actually not a crime.

• 56:52Speaker 03

  It's a choice.

• 56:53Caleb Hammer?

  You're making this selfish choice.

• 56:55Speaker 03

  How is that selfish to have my ringer on? And dude, you have to turn the ringer off when you get your phone. It comes on.

• 57:00Caleb Hammer?

  I feel the buzz. I feel the buzz in my pocket. Of ringing.

• 57:06Speaker 03

  Okay, my phone's not in my pocket, so I wouldn't feel a buzz. So I would have the ringer on to hear it ring with my ears.

• 57:14Caleb Hammer?

  The thing is, in public spaces, the rest of us have decency and try to keep it nice and peaceful for everyone else to exist.

• 57:22Speaker 03

  Oh my god, is it gonna ruin your day that you heard someone's phone ring?

• 57:24Caleb Hammer?

  It's not just about ruining it, it's the mindset. Do you go on speakerphone in public?

• 57:28Speaker 03

  No.

• 57:29Caleb Hammer?

  Listen, the ringer itself isn't the worst thing in the world. It's just the overall behavior. And I thought you were really going down the pipeline of like, all that other bad stuff too, but I'm glad you don't. Because it is really bad when people disturb, when people just are selfish.

• 57:41Speaker 03

  And I try, exactly. That's the whole- that was- see, that's why I didn't want to tell my boyfriend, in a sense, and whatever. I try to not stress other people. I am a people pleaser in the sense of like, I want to make others happy. I want to make sure other people are comfortable.

• 57:56Caleb Hammer?

  Which is why you hide things from the boyfriend. You don't tell him anything. You're not a good girlfriend.

• 58:01Speaker 03

  So I'm not gonna stress him out.

• 58:02Caleb Hammer?

  All you do is suck him.

• 58:03Speaker 03

  And that makes him happy, so.

• 58:05Caleb Hammer?

  Exactly. So you think you could just hide things from him?

• 58:07Speaker 03

  If that makes him happy, great. Yeah, I'll do my job.

• 58:10Caleb Hammer?

  Luck a couple of months in.

• 58:11Speaker 03

  And I do. So yeah, if he's gonna send me money for gas after I give him some Gok 3000, then yeah.

• 58:18Caleb Hammer?

  Whoever you chewed on with him will also know how good it is.

• 58:22Speaker 03

  Ever had. So I would not chew on him. He's the best boyfriend I've ever had. He's a golden retriever boyfriend. He's literally so sweet.

• 58:26Caleb Hammer?

  Three months in.

• 58:27Speaker 03

  So sweet. He's such a gentleman. No, he literally treats me like a princess.

• 58:30Caleb Hammer?

  Okay, yeah, I don't think he's very happy with you.

• 58:31Speaker 03

  Well, yeah, he probably isn't happy with me now.

• 58:34Caleb Hammer?

  Nor should he be.

• 58:35Speaker 03

  Sure.

• 58:35Caleb Hammer?

  I don't think enough Glock Glock will make up for the fact that you are a hider.

• 58:38Speaker 03

  I don't know. All men are convincible with a little Glock Glock.

• 58:41Caleb Hammer?

  Yes, but then the post nut clarity. He realizes he has a [BLEEP] in his bed.

• 58:44Speaker 03

  Okay, and then I.

• 58:46Caleb Hammer?

  Girl, see how, okay, the thing is, and this is what's so annoying, is like, we told you to put it on mute. The also other thing is, it's not in your purse. It's right there. It can be on mute. You are someone who doesn't care about the invite.

• 59:00Speaker 03

  You just said to call my boyfriend, so you just gave me the phone. You just gave me my phone.

• 59:04Caleb Hammer?

  But you could have muted it after the last call.

• 59:06Speaker 03

  Okay, well, sorry, I didn't mute it. That's just how I keep the setting.

• 59:10Caleb Hammer?

  Now, exactly. That's what I'm saying. You don't recognize the space you're in. And how it's inappropriate and rude that your phone is going off in the middle of filming this episode. What is wrong with you?

• 59:21Speaker 03

  Okay, well, I turned it off. It.

• 59:22Caleb Hammer?

  Good. After I had to tell you after the second time, because you had no semblance of courtesy.

• 59:27Speaker 03

  It was, that was my ex. That was the ex.

• 59:31Caleb Hammer?

  That was the ex?

• 59:32Speaker 03

  Yeah.

• 59:32Caleb Hammer?

  Okay, well, we'll call him in the post show then. We already, oh, your ex.

• 59:36Speaker 03

  The ex. That was my ex.

• 59:38Caleb Hammer?

  What the [BLEEP] would she want? Is she gonna threaten to sue again?

• 59:40Speaker 03

  No, because, because she knew I was coming here and so, but she didn't, she didn't know.

• 59:47Caleb Hammer?

  Coming here, but not the current boyfriend.

• 59:48Speaker 03

  She didn't wanna be, well, because a lot of my finances were involved with her, so.

• 59:53Caleb Hammer?

  I'm gonna call the boyfriend and tell, tell him that you told the ex are coming, but not him.

• 59:56Speaker 03

  She, she wanted, she didn't want to come on the show.

• 1:00:02Caleb Hammer?

  Well, she's your ex. Why the [BLEEP] would she be here?

• 1:00:04Speaker 03

  Oh, I'm not saying. I wanted her to come anyway. I'm just saying a lot of my.

• 1:00:08Caleb Hammer?

  Called you and said, I don't wanna come on the show.

• 1:00:10Speaker 03

  No, she's, she knows she's [BLEEP] because she knows a lot of my money went to her. And God forbid, she looks like the bad person.

• 1:00:19Caleb Hammer?

  So to confirm, your $600 that you owe to Cash App is because of her.

• 1:00:24Speaker 03

  I borrowed a lot of money.

• 1:00:26Caleb Hammer?

  Behind on making the payment because of her.

• 1:00:28Speaker 03

  I borrowed a lot of that money.

• 1:00:30Caleb Hammer?

  Pop over it because of her.

• 1:00:33Caleb Hammer?

  Yeah, you're lying. Let me see a picture of her.

• 1:00:37Speaker 03

  She's very masked. She's very.

• 1:00:39Caleb Hammer?

  Oh, I knew you had issues.

• 1:00:42Speaker 03

  She is tweaking out. Oh my goodness. Yeah, she's crashing out, dude.

• 1:00:47Caleb Hammer?

  Ah, well, you know, it's fine.

• 1:00:48Speaker 03

  No, dude, she's crazy. This was us at the Renaissance Festival last year. She's very mask presenting. She wanted.

• 1:00:57Caleb Hammer?

  That is a man.

• 1:00:58Speaker 03

  She wanted to transition. She wanted to transition.

• 1:01:02Caleb Hammer?

  Ah, that makes more sense. So make a picture of the current.

• 1:01:05Speaker 03

  The new boyfriend. Oh, well, here, I'll show you this. Here, we have, I turned it around so it wasn't on camera. We have like the Polaroid.

• 1:01:12Caleb Hammer?

  You're so gay.

• 1:01:13Speaker 03

  Why? It's cute. That's us. He's so sweet. He's like 5'11". He's like a goofy.

• 1:01:20Caleb Hammer?

  That must be it, right?

• 1:01:21Speaker 03

  He's like a goofy white boy. I love him.

• 1:01:23Caleb Hammer?

  Okay.

• 1:01:23Speaker 03

  He's so sweet. Um, no. So, yeah, my ex really wanted to transition. She, go ahead, go ahead, go ahead.

• 1:01:32Caleb Hammer?

  Dude looks like what? Every guy who complains that he can't get with anyone looks like. And he just broke up with a five-year-old. Or a five, five, five. What do you mean by that? Five-year relationship and then got her, which means that if you're out there not, not getting a girlfriend and a weird incel, it is your fault because everyone can get someone and that was proof.

• 1:01:51Speaker 03

  He's so sweet. He's so.

• 1:01:53Caleb Hammer?

  Realize how she doesn't say handsome? It's all, he's so sweet.

• 1:01:55Speaker 03

  No, he is handsome. I call him my sweet angel baby boy.

• 1:01:58Caleb Hammer?

  Oh, yeah, that's what every guy likes to hear. Oh, you're so adorable.

• 1:02:02Speaker 03

  He is.

• 1:02:03Caleb Hammer?

  Okay, $0 in Cash App went down from 25. So that's great. Smoking more! So that's what we do instead of paying down our debt because that's 20 bucks.

• 1:02:12Speaker 03

  It helps with stress.

• 1:02:13Caleb Hammer?

  Okay, well, you're stressed out more because you have a nicotine addiction.

• 1:02:17Speaker 03

  It, it helps. When I am stressed.

• 1:02:20Caleb Hammer?

  Stressed out more because you have a nicotine addiction when you're not hitting the bait.

• 1:02:22Speaker 03

  Nicotine helps. When I'm stressed.

• 1:02:24Caleb Hammer?

  Until you need to hit again, then you have to hit.

• 1:02:28Speaker 03

  But when I'm stressed and I take a hit, I feel better.

• 1:02:31Caleb Hammer?

  Yes, yes, that is true. And then that costs you $20 instead of paying down your debt.

• 1:02:35Speaker 03

  They last me like, they last me, a vape will last me like two weeks, like paycheck to paycheck.

• 1:02:41Caleb Hammer?

  Is that a lot? I don't know.

• 1:02:42Speaker 03

  That's not a lot.

• 1:02:43Caleb Hammer?

  Paycheck to paycheck every vape?

• 1:02:45Speaker 03

  No, because most people will go through a vape.

• 1:02:47Caleb Hammer?

  Paycheck to paycheck vaping.

• 1:02:48Speaker 03

  No, most people will go through a vape in like three to four days. Like mine lasts.

• 1:02:51Caleb Hammer?

  If that's your brag is that you're addicted only twice a month, go just off your entire life.

• 1:02:55Speaker 03

  Well, there's some people that smoke a pack of cigarettes a day.

• 1:02:58Caleb Hammer?

  Oh, good. There's people that do heroin. This doesn't make that good.

• 1:03:02Speaker 03

  Sure, but I'm saying I'm not.

• 1:03:04Caleb Hammer?

  To me. There are people on my 600 pound life. Doesn't mean I'm healthy. You see how that works?

• 1:03:10Speaker 03

  Leg day.

• 1:03:10Caleb Hammer?

  Leg day is not gonna make or break this, but I get it. Cash app, well, you sent money in, then you went and said, got some bullshit or gas. Hard to sell with that price.

• 1:03:19Speaker 03

  For where is it?

• 1:03:20Caleb Hammer?

  Shut.

• 1:03:21Speaker 03

  I'll tell you if it's gas or bullshit.

• 1:03:22Caleb Hammer?

  7-Eleven.

• 1:03:24Speaker 03

  7-Eleven? That was probably an Alani.

• 1:03:27Caleb Hammer?

  What do you, Alani? Fuck you, Alani. Why Alani? You can't afford to pay back a loan to Cash App. I bet you use it.

• 1:03:32Speaker 03

  Best energy drink.

• 1:03:34Caleb Hammer?

  Actually, it isn't. For what it's worth. I'll give you this. Gamer subs. It's goony, but it's fun.

• 1:03:41Speaker 03

  Oh, that's Jojo's? That's cute.

• 1:03:42Caleb Hammer?

  Well, there you go. See, you know what? I don't even know this flavor personally. I give them out random.

• 1:03:46Speaker 03

  Do you not watch any anime?

• 1:03:47Caleb Hammer?

  No. I saw Arcane.

• 1:03:49Speaker 03

  Arcane is really good. Arcane recently. Oh, wow. It's been out a while. Arcane is very good. Um, it's a very different art style, which, which is really nice.

• 1:03:57Caleb Hammer?

  Well, that's okay. We're not reviewing, but the thing is, that is a lot better. First of all, it does taste better than Alani. We did blind taste tests, confirmed, and our guests say so, and people in the audience say so.

• 1:04:07Speaker 03

  Ocean stone fruit.

• 1:04:08Caleb Hammer?

  But after you figure out what flavor you like by getting the free samples with code Caleb in the link in the description below, once you get a pack like that, that is 40 cents a serving with my 10% off that you get with my link below. So that is 40 cents a serving to make your energy drink at home. No more going inside and getting some bullshit. Figure out what flavors you want with the free samples and then get the delicious stuff. So you're doing that now instead of stepping, stopping in 7-Eleven and getting bullshit, okay? Who's texting you? Who's blowing it up?

• 1:04:32Speaker 03

  My ex. She like left me a voice message and she's like blowing me up right now.

• 1:04:36Caleb Hammer?

  Let me see.

• 1:04:37Speaker 03

  Um, hold on.

• 1:04:40Caleb Hammer?

  Okay.

• 1:04:40Speaker 03

  So yeah, she sent all that. I don't know what's in the voice message.

• 1:04:43Caleb Hammer?

  Pick up your phone. What the fuck? Oh my gosh.

• 1:04:47Speaker 03

  I'm telling you, she is crazy.

• 1:04:48Caleb Hammer?

  Okay, okay, okay. I know you're talking shit about me on the internet.

• 1:04:52Speaker 03

  See?

• 1:04:52Caleb Hammer?

  Someone called me from Caleb, you tried to call her? Oh, and get her on? Oh my gosh.

• 1:04:57Speaker 03

  Yeah, yeah.

• 1:04:57Speaker 05

  Bitch, what the fuck? Pick up your fucking phone. Are you in Austin? I have your.

• 1:05:02Caleb Hammer?

  She doesn't sound very masked.

• 1:05:04Speaker 03

  No, she doesn't. When we would go out to eat.

• 1:05:06Caleb Hammer?

  If I would see a guy that looked like a man and came out with that, yeah, yeah, yeah, I thought that was like a bat.

• 1:05:11Speaker 03

  We would go out to eat if we were at like a dinner table and the waiter would come up and they'd be like, for you, sir? And then she would start, she, no, but listen, she would start talking and then be like, oh, I'm so sorry, ma'am. But she wanted to transition. She wanted to be a boy. So then it would like hurt her ego.

• 1:05:25Caleb Hammer?

  I'm a boy.

• 1:05:26Speaker 03

  That they realized that she was a girl and.

• 1:05:29Caleb Hammer?

  Wait, you're paying.

• 1:05:29Speaker 03

  She.

• 1:05:31Caleb Hammer?

  You're paying a credit card via this. Oh, well, I guess this isn't your loan account. So that's actually okay.

• 1:05:36Speaker 03

  Yeah, I know.

• 1:05:36Caleb Hammer?

  Can you transfer money in? Foggy dude.

• 1:05:40Speaker 03

  Yeah.

• 1:05:41Caleb Hammer?

  What is it?

• 1:05:42Speaker 03

  It's a vape shop.

• 1:05:43Caleb Hammer?

  Oh my gosh. So, okay, there we go. We're at 50 bucks now. 50 bucks that it could have gone towards you, Dad, that you refused to pay. You won't even make a payment on time. You won't even make a payment on time, but you'll spend 50 bucks on vaping. Go fuck yourself. Everything you've said has been a lie.

• 1:06:00Speaker 03

  I can see that in the society.

• 1:06:01Caleb Hammer?

  You took 20 bucks in. You're, and that was to get the vape. And then you went to Dawn Donuts, $18 there.

• 1:06:09Speaker 03

  I'll get donuts for the office sometimes.

• 1:06:11Caleb Hammer?

  Is actually fair. The first fair one.

• 1:06:13Speaker 03

  Yeah, cuz I had to get a change of address when I got my new apartment. So yeah, I did have to pay for that.

• 1:06:17Caleb Hammer?

  Had to? I don't think anyone really gives a.

• 1:06:18Speaker 03

  On my license, it had my old address.

• 1:06:21Caleb Hammer?

  Bro, my license has five addresses ago.

• 1:06:24Speaker 03

  Well, that's if you do, isn't it like if you get pulled over and that's not up to date, they can like.

• 1:06:28Caleb Hammer?

  Oh, trust me, they have not done anything with that. Love you cops.

• 1:06:32Speaker 03

  Okay.

• 1:06:32Caleb Hammer?

  Keep making sure nothing happens.

• 1:06:33Speaker 03

  I was told that it was important that like, it's actually true. So yeah, I got my address.

• 1:06:38Caleb Hammer?

  My address is the address I moved down here eight years ago.

• 1:06:42Speaker 03

  Oh, maybe you should update that.

• 1:06:44Caleb Hammer?

  Okay, loan drawdown.

• 1:06:46Speaker 03

  Your Tesla will get followed today. You'll get red flagged.

• 1:06:49Caleb Hammer?

  Mostly just transfers on this page. Sending money to other people or getting money in from some people and sending money to some people. What are you doing with that?

• 1:06:58Speaker 03

  That it was more than likely to my grandma.

• 1:07:01Caleb Hammer?

  Why?

• 1:07:01Speaker 03

  My grandma, my grandma raised me.

• 1:07:04Caleb Hammer?

  My mom raised me.

• 1:07:06Speaker 03

  Well, no, no, no. Yeah, my grandma raised me. And so whenever I moved out, like I had planned to live with my grandma my whole life. And so whenever I left.

• 1:07:13Caleb Hammer?

  Weird.

• 1:07:14Speaker 03

  Um, we were best friends, like we were best friends. I love her to death. But whenever I had moved, it really hurt her. Like it was, you know, like baby bird leaving the nest, whatever. She, she was happy to see me grow and to see me go on with my life. But anyway, so after I left, she really went downhill. Like she went downhill really bad. I want to, I tell her all the time because she only gets so, so social security. So I tell her.

• 1:07:36Caleb Hammer?

  How old is she?

• 1:07:37Speaker 03

  Um, she was born in 64. So she'll be. I don't know math. She'll be, she's in her 60s. She's like 63, I think.

• 1:07:45Caleb Hammer?

  Oh, grandma. Okay.

• 1:07:47Speaker 03

  Yeah, yeah, yeah. Everyone in my family is really young.

• 1:07:49Caleb Hammer?

  Getting more alonies too, than V T G.

• 1:07:54Speaker 03

  That's my apartment. That's my apartment.

• 1:07:55Caleb Hammer?

  Uh, and then Scooter's Coffee. That ain't, whoop it, calm down, shut the up. Scooter's Coffee. That ain't your apartment, bitch. You're doing that will not paying down your debt.

• 1:08:05Speaker 03

  I get points. I use my points most of the time.

• 1:08:08Caleb Hammer?

  Well, no, this is actually from a checking account. So literally no.

• 1:08:11Speaker 03

  I get more points when I like.

• 1:08:14Caleb Hammer?

  Use a checking account?

• 1:08:15Speaker 03

  Well, I'll scan. It's like you can scan a QR code. So if you pay on your phone, you get more points.

• 1:08:20Caleb Hammer?

  Debt, but you're using your cash app checking account. Oh, this is so stupid. So how much you give your grandma and what, what is it for again? You said she's going downhill, but what does that mean with giving money?

• 1:08:32Speaker 03

  Okay. So whenever I moved, obviously my whole life was in Maryland. And so when I moved.

• 1:08:37Caleb Hammer?

  Why do you have to give her money?

• 1:08:40Speaker 03

  I'm telling you, I'm telling you, let me finish. Use your ears. Use your ears.

• 1:08:44Caleb Hammer?

  I hate your big lore.

• 1:08:46Speaker 03

  So whenever I moved, I had too much stuff to take with me. We drove from Maryland to Texas. I had too much stuff to take with me. So my grandma said, I'll just get a storage unit here. And then whenever, you know, you want some of this stuff, you can come get it. Cool, whatever. So and she told me she was like, I'll pay for the storage unit. Don't worry about it. I'll handle it. So she kind of went off the rocker and she was going out with her friends and drinking and doing drugs. And she was living her life. Yes.

• 1:09:11Caleb Hammer?

  Ramp?

• 1:09:11Speaker 03

  My grandma.

• 1:09:12Caleb Hammer?

  She was doing drugs like a couple of years ago.

• 1:09:14Speaker 03

  Yes.

• 1:09:14Caleb Hammer?

  What drugs?

• 1:09:16Speaker 03

  Um, she was smoking.

• 1:09:20Speaker 03

  My grandma.

• 1:09:23Caleb Hammer?

  What the? What the?

• 1:09:26Speaker 03

  Was at the bar. She was at the bar with some of her friends and.

• 1:09:31Caleb Hammer?

  Her grandkid moves out, so she goes and just starts smoking.

• 1:09:35Speaker 03

  There were baby steps. There were baby steps for sure. Like she.

• 1:09:38Caleb Hammer?

  How did you get to that?

• 1:09:40Speaker 03

  It's, it's the last, like, so she was going to the bar more often and so she was meeting bad influences. And our small town, our small town in Maryland, our small town in Maryland was like really bad for, was really bad for. And so she fell into the bad crowd. She like, she legitimately fell into a bad crowd and everyone around her was smoking. And it was cheaper.

• 1:10:01Caleb Hammer?

  Woman just started smoking.

• 1:10:02Speaker 03

  Yes. Yes. At 60 years old. And so I told her, I told her, I was like, girl, you have, she didn't talk to me for like a year. So she borrowed money.

• 1:10:11Caleb Hammer?

  Went off the.

• 1:10:12Speaker 03

  Yes, legitimately. Yes. No. So she asked me, she texted me one day. She was like, hey, can I borrow some money? I have some parking tickets I need to pay up or else they're going to take my license. I said, sure, I'll help you out. And I sent her some money and she asked for like a hundred and I only had 50 at the time. She was like, that's fine. That should work. She told me that she went and paid these tickets. And that they let her keep her license. And then I asked my mom, I was like, hey, that's a little shady. Wouldn't they need the full amount? My mom was like, yeah, they would need the full amount. They wouldn't let her pay partial. So I asked my grandma, hey, what did you actually do with that money? And she like.

• 1:10:46Caleb Hammer?

  Stop bleeding out money, making minimum payments across multiple high interest accounts. Most Americans are spending hundreds, sometimes thousands of dollars that could be going toward actually paying down debt instead of lining some banks pockets. And look, if you're sitting on high interest credit card debt, a car loan at 18% or oh my goodness, a payday. Loan charging you triple digit interest rates. You need to hear this. If you've already cut up the cards and built better financial habits, but you're still drowning in interest payments, barely making progress. This is for you. I have opened my very own marketplace, a personal loan marketplace that lets you get personalized offers from multiple lenders in one place.

• 1:11:30Caleb Hammer?

  You can see if you pre-qualify in minutes and it won't impact your credit score. But here's the deal. This isn't a magic bullet. If you refinance your debt, but keep swiping, you're just making the problem worse. You still need to fix the behavior that screwed you in the first place. But if you're serious about getting out of debt faster, you could potentially lower your monthly payment by securing a single payment at a much better rate. Check out the link in the description below to see your personalized offers or go to CalebHammer.com. And remember, you've still got to do the work. 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.

• 1:12:13Caleb Hammer?

  Make gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter.

• 1:12:24Speaker 06

  The number one ranked energy drink is gamer subs. Literally, the cherry flavor is insane.

• 1:12:30Caleb 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.

• 1:12:41Speaker 03

  Bust down crying on the phone. She was like, I, you know, I was doing drugs. I'm so sorry. I was ashamed of myself. But because she went downhill like that, she wasn't paying on the storage unit with my stuff in it. It went to auction three times.

• 1:13:00Caleb Hammer?

  Oh my goodness, because she was smoking.

• 1:13:03Speaker 03

  Paying on it and she was spending her money elsewhere. So I had to pay.

• 1:13:10Speaker 01

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• 1:13:39Speaker 03

  Like $500 each time? Because I didn't want to lose my stuff, like my degrees are in there.

• 1:13:47Caleb Hammer?

  Well, just ship all the important things and get rid of the rest. I don't understand why you're holding on to so much bullshit, but go ahead.

• 1:13:51Speaker 03

  I mean, that's my whole, like, that's my everything. But that's my everything.

• 1:13:56Caleb Hammer?

  No, you're what's wrong with America. It's stuff. Just bring down a couple of important things.

• 1:14:00Speaker 03

  And I did, I did bring the important stuff with me.

• 1:14:02Caleb Hammer?

  Well, there you go, then sell the rest.

• 1:14:03Speaker 03

  But that's my shit.

• 1:14:04Caleb Hammer?

  No, it's stuff. No, who cares?

• 1:14:07Speaker 03

  She, that she quit? I really do believe it. Because like, she's quit smoking. She's quit cigarettes before, like, I really do believe her when she says she's quit. So I trust sending her $15, $20.

• 1:14:18Caleb Hammer?

  What is this credit card?

• 1:14:20Speaker 03

  That's like, my only credit card. That's my...

• 1:14:22Caleb Hammer?

  What is it? I don't know what the title is. What kind of credit card is this?

• 1:14:26Speaker 03

  It's just a credit card.

• 1:14:27Caleb Hammer?

  What company?

• 1:14:28Speaker 03

  It's like through my bank. It's through my bank.

• 1:14:29Caleb Hammer?

  What bank do you have?

• 1:14:30Speaker 03

  Amoco.

• 1:14:31Caleb Hammer?

  Okay.

• 1:14:33Speaker 03

  Well, you asked. You asked what kind of card is this? It's a credit card.

• 1:14:36Caleb Hammer?

  What kind of card is it? Amoco.

• 1:14:39Speaker 03

  Amoco credit card.

• 1:14:40Caleb Hammer?

  Oh my, shut the [bleep]. $481.52. Yeah, $500 credit limit. No shit, you're not spending a [bleep] month. You can't! You can't! You can't! 13.65...

• 1:14:50Speaker 03

  They're still like...

• 1:14:50Caleb Hammer?

  Shut the [bleep] up! 4% interest rate. Minimum monthly payment, 15. And you couldn't figure out statements to save your life? I don't know how you're gonna do anything.

• 1:14:57Speaker 03

  No, I tried. I tried.

• 1:14:59Caleb Hammer?

  Yeah, I'm sure. You tried so hard.

• 1:15:01Speaker 03

  Anytime it would, like, there wasn't a download option. There wasn't, there wasn't even a PDF option.

• 1:15:06Caleb Hammer?

  Well, last saving balance was lower, so you did spend on this. You lying piece of... Are you sure you don't do [bleep]?

• 1:15:13Speaker 03

  I'm sure I don't do [bleep]. I am sure. All the medicine I take is prescribed by a doctor.

• 1:15:20Caleb Hammer?

  We usually do, like, soft launch it near you, right?

• 1:15:25Speaker 03

  What are you talking about?

• 1:15:27Caleb Hammer?

  Like [bleep]. We usually, like, just, like...

• 1:15:31Speaker 03

  No.

• 1:15:34Caleb Hammer?

  Have fun, guys.

• 1:15:34Speaker 03

  No, no.

• 1:15:37Caleb Hammer?

  So that we can come in there and like bulldoze housing or something?

• 1:15:39Speaker 03

  No, it's no, it's not like that. It's not like that at all. What do you mean? What do you mean? Like, what do you?

• 1:15:48Speaker 03

  Are you implying that I have done?

• 1:15:51Caleb Hammer?

  Well, not in a, but you know, like.

• 1:15:52Speaker 03

  That's kind of stereotypical for a black person.

• 1:15:54Caleb Hammer?

  No, no, no, no. I was stereotyping white people here.

• 1:15:57Speaker 03

  Oh, okay.

• 1:15:57Caleb Hammer?

  Where we put it in your community.

• 1:15:59Speaker 03

  Oh, like, like gentrification type deal. Like, well, you know, like.

• 1:16:03Caleb Hammer?

  What? You think gentrification is crap?

• 1:16:05Speaker 03

  No, because like you would have like slums where like they corral all these people to make more money and then pump it with drugs and no grocery stores, but then.

• 1:16:16Caleb Hammer?

  I was making a reference to like the crap epidemic.

• 1:16:19Speaker 03

  Yeah, it all goes hand in hand.

• 1:16:23Caleb Hammer?

  It was a long time ago.

• 1:16:25Speaker 03

  Hmm.

• 1:16:26Caleb Hammer?

  The big thing, the big, what was it, 80s?

• 1:16:29Speaker 03

  Yeah, in the 80s, yeah, it was booming. Yeah, it was booming for sure.

• 1:16:32Caleb Hammer?

  Your grandma would have been rich.

• 1:16:34Speaker 03

  I.

• 1:16:34Caleb Hammer?

  Or dead.

• 1:16:36Speaker 03

  Oh, man. No, she's still kicking. She's still kicking.

• 1:16:40Caleb Hammer?

  With a lot more energy than before, right?

• 1:16:42Speaker 03

  Yeah. Oh, yeah, for sure.

• 1:16:43Caleb Hammer?

  Locked in at all times.

• 1:16:46Speaker 03

  Yeah, she's, she's running, she's running for sure, but uh.

• 1:16:50Speaker 03

  Yeah, to my knowledge, she said she stopped, so, yeah.

• 1:16:53Caleb Hammer?

  Yeah, you're getting Five Below gas bullshit all on that credit card.

• 1:16:56Speaker 03

  Five Below was for Christmas. Five Below was for Christmas.

• 1:17:00Caleb Hammer?

  What did you get from Five Below for Christmas?

• 1:17:01Speaker 03

  They have, they had like these tiny gingerbread kits.

• 1:17:05Caleb Hammer?

  Oh.

• 1:17:06Speaker 03

  It was for a Christmas party. We had a competition who could build the cutest gingerbread house or like, you ever see that game where you get the Saran Wrap ball and you have to like unwind it and there's candy in it and stuff like that? I went to Five Below. Oh, okay. Well, yeah, it's a, it's a Christmas game. And so I went to Five Below to get stuff for Christmas. Five Below. That's the name of it. We'd always just call it.

• 1:17:28Caleb Hammer?

  No one's Five Below.

• 1:17:29Speaker 03

  The sign says five below. There's no.

• 1:17:31Caleb Hammer?

  Is it five below or five and below?

• 1:17:33Speaker 03

  I've always called it five and.

• 1:17:35Caleb Hammer?

  I've always called it five below.

• 1:17:36Speaker 03

  But the actual name is five below because there's a degree symbol.

• 1:17:39Caleb Hammer?

  I don't know. Okay.

• 1:17:40Speaker 03

  Anyway, but I went there because I knew it was cheap and so I got my Christmas stuff there.

• 1:17:44Caleb Hammer?

  Okay.

• 1:17:44Speaker 03

  Stuff for the Christmas party.

• 1:17:46Caleb Hammer?

  Okay, so gingerbread house?

• 1:17:47Speaker 03

  Yeah. And then like candy and like little things for the Christmas party. Yeah.

• 1:17:52Caleb Hammer?

  Were there bars?

• 1:17:53Speaker 03

  Little prizes.

• 1:17:54Caleb Hammer?

  On the windows of the gingerbread house?

• 1:17:56Speaker 03

  No, one was like a Minecraft house. They were themed like it was like Oreo theme and like Minecraft theme, little gingerbread houses. It was not a jail.

• 1:18:05Caleb Hammer?

  It was yours.

• 1:18:05Speaker 03

  It was not.

• 1:18:07Caleb Hammer?

  Oreo themed?

• 1:18:09Speaker 03

  I picked the Minecraft theme, actually. Little gamer girl, hee hee ha ha. Um, I have been called an Oreo before, though, if that's the joke you're making.

• 1:18:20Speaker 03

  My mom's white and my dad's black. So yeah, I have been called an Oreo. Please make a better black joke.

• 1:18:24Caleb Hammer?

  Your father.

• 1:18:25Speaker 03

  Not in the picture. That is a stereotypical black kid. He left.

• 1:18:30Caleb Hammer?

  Just wanted to confirm.

• 1:18:31Speaker 03

  No, so yeah, how you said, oh, my, she's really young. My mom also had me really young. My mom had me when she was 15 and turned 16 that December. He, oh, a predator is what he was.

• 1:18:46Speaker 03

  Because he was like in his twenties. So my mom met him. He, lore, I guess, more lore. He was a drug dealer. He was from New York. He was from New York. He was a drug dealer. And my mom would drive up and down the East Coast with stuff in the trunk and she would park somewhere. People would come up and take it out and then she would drive away. That's my dad and my mom and that's their life. Well, they had me.

• 1:19:16Caleb Hammer?

  You don't have to do stereotypes in, in reality.

• 1:19:20Speaker 03

  The stereotype, it is the stereotype.

• 1:19:21Caleb Hammer?

  It is and the fun to make fun of, but it didn't have to be real.

• 1:19:25Speaker 03

  But it is real. So just so you know, but it's even funnier to joke about when it is the real life. So he left when I was three months. And.

• 1:19:33Caleb Hammer?

  I'm surprised he made it that long.

• 1:19:34Speaker 03

  He could walk past me on the street and I wouldn't know. I have no idea what he looks like. I don't know his name. I don't know.

• 1:19:38Caleb Hammer?

  Because they all look the same.

• 1:19:39Speaker 03

  Anything. No, they don't. We have different complexions, different.

• 1:19:43Caleb Hammer?

  Yes, I was joking, silly goose, stop it.

• 1:19:46Speaker 03

  What's your ethnicity?

• 1:19:47Caleb Hammer?

  What do you think?

• 1:19:48Speaker 03

  White? I would say Greek. You look like you have Greek.

• 1:19:51Caleb Hammer?

  Yeah, it's because of the olive skin. I was 25% native. The, the rest is white.

• 1:19:54Speaker 03

  Oh, like feather?

• 1:19:57Speaker 03

  Native?

• 1:19:57Caleb Hammer?

  See, that's racist. I can joke, that's racist.

• 1:20:00Speaker 03

  Native American, the people that were here first, not Indians, Native.

• 1:20:04Caleb Hammer?

  You know, they prefer Indian.

• 1:20:06Speaker 03

  Really?

• 1:20:07Caleb Hammer?

  Yeah, it's the white SJW bullshit that are offended on other people's behalf.

• 1:20:12Speaker 03

  Oh, I had never.

• 1:20:12Caleb Hammer?

  That are like, "You have to call me Native American."

• 1:20:14Speaker 03

  I had never heard that before. I thought Native American was the appropriate term because they were native to this land.

• 1:20:18Caleb Hammer?

  It is the technical appropriate term. They call themselves Indians.

• 1:20:21Speaker 03

  Okay, well, I didn't know that.

• 1:20:22Caleb Hammer?

  Yeah.

• 1:20:23Speaker 03

  Okay.

• 1:20:24Caleb Hammer?

  Always how, young women always offended on other people's beheads that aren't offended in the first place.

• 1:20:28Speaker 03

  Oh, I'm not offended.

• 1:20:28Caleb Hammer?

  Classic Americans. Okay, you do fifty-five dollars.

• 1:20:33Speaker 03

  That was the.

• 1:20:34Caleb Hammer?

  Well, you're American, you're not African.

• 1:20:36Speaker 03

  I am. Have you ever filled out a form where it asks what your race is?

• 1:20:39Caleb Hammer?

  It does.

• 1:20:40Speaker 03

  It's Caucasian, African American.

• 1:20:41Caleb Hammer?

  Other black people have told me that's offensive, though. They would rather be called black because they're not less American.

• 1:20:46Speaker 03

  It's just the type of, I guess that is true. I guess that is true.

• 1:20:49Caleb Hammer?

  See, isn't that a little weird?

• 1:20:50Speaker 03

  Everyone's American if you're born here. I guess that is, I guess that.

• 1:20:53Caleb Hammer?

  Less American.

• 1:20:53Speaker 03

  But like, people used to be like, "The blacks," like, they used to like, that's how they would use to say it. So like, just to be called like, that black kid.

• 1:20:59Caleb Hammer?

  And I used to say the N-word, but not anymore.

• 1:21:02Speaker 03

  Good job.

• 1:21:02Caleb Hammer?

  No, I did.

• 1:21:03Speaker 03

  No, okay. I would believe that.

• 1:21:04Caleb Hammer?

  I've never said it in my life. No, I never have.

• 1:21:06Speaker 03

  Really? Congrats. That's awesome. Genuinely, that is awesome. I'm glad it's not in your vocabulary because during the Olympics.

• 1:21:11Caleb Hammer?

  Well, no, no, no. I never said it. I think it when I jerk off, but I've never said it.

• 1:21:15Speaker 03

  That's quite a place to have it. That's quite a place. Do you think of like BBC or something like that? Like, is that your type? Is that why?

• 1:21:21Caleb Hammer?

  BBC?

• 1:21:22Speaker 03

  You said you think of the N-word when you jerk off?

• 1:21:25Caleb Hammer?

  Does that only apply to men?

• 1:21:27Speaker 03

  You know what BBC stands for?

• 1:21:28Caleb Hammer?

  Big Black.

• 1:21:29Speaker 03

  Yeah, so you say you.

• 1:21:30Caleb Hammer?

  Why am I thinking of?

• 1:21:31Speaker 03

  You said you think of the N-word when you jerk off.

• 1:21:33Caleb Hammer?

  Does that not apply to women?

• 1:21:35Speaker 03

  You said you think of the N-word when you jerk off. So how is that not? Yeah, yeah, I'm still a nigga, yeah.

• 1:21:41Caleb Hammer?

  Whoa.

• 1:21:42Speaker 03

  You can not, can you not bleep that out? You bleep everything else out.

• 1:21:45Caleb Hammer?

  Oh, we're leaving that in.

• 1:21:46Speaker 03

  Okay, that's fine. I'm black, I can say it. I'm also gay. I can say the F-word if I wanted to.

• 1:21:51Caleb Hammer?

  Uh huh. Gay dating a man.

• 1:21:54Speaker 03

  I'm pansexual.

• 1:21:55Caleb Hammer?

  Pansexual, panracial.

• 1:21:57Speaker 03

  Do you know?

• 1:21:58Caleb Hammer?

  So.

• 1:21:59Speaker 03

  And I'm pan, there's only two races.

• 1:22:01Caleb Hammer?

  What do you?

• 1:22:01Speaker 03

  No, that's cap.

• 1:22:02Caleb Hammer?

  What do you owe? That's fifty dollars too.

• 1:22:06Speaker 03

  That was a pay advance. That was my first pay, actual pay advance. My, my.

• 1:22:10Caleb Hammer?

  Oh, good. You just did it.

• 1:22:11Speaker 03

  My work, yeah, my work, it like put a new feature in our portal where it's like, you know, get

• 1:22:16Caleb Hammer?

  Every.

• 1:22:16Speaker 03

  Paycheck early type deal. I did use that for gas, though.

• 1:22:20Caleb Hammer?

  What is this? Central portfolio control. That's a, that's a collection.

• 1:22:24Speaker 03

  That's my medical debt.

• 1:22:25Caleb Hammer?

  Oh, what, what medical debt for?

• 1:22:27Speaker 03

  I had went to the emergency room like literally over two years ago and they had sent me a bill and I just never.

• 1:22:32Caleb Hammer?

  Abortion.

• 1:22:33Speaker 03

  No, I know. I've never had an abortion. No, I've never had a pregnancy scare. Knock on wood. Never had a pregnancy scare. Never. I've taken a plan B for sure, but like, yeah, never, never had to have the, the big red button.

• 1:22:44Caleb Hammer?

  Why aren't you on a minimum monthly payment for this? Nine hundred thirty-two dollars, ninety-two cents. Your minimum wouldn't be that brutal.

• 1:22:51Speaker 03

  You don't have to pay medical debt. You don't have to pay medical debt back.

• 1:22:54Caleb Hammer?

  Kind of. No, some of the rules have actually changed in terms of what goes on collections or not. This might hit and actually negatively affect your credit. I forgot what the minimum balance required is for that, but I think it's like five hundred. Like the Biden administration did something where it was like, yeah, any medical debt over this, it doesn't, it's not on collections. And then the Trump administration was like, no, yes, it is.

• 1:23:11Speaker 03

  Oh, okay. I didn't know that. I just thought you didn't. I just thought you didn't have to pay medical debt.

• 1:23:17Caleb Hammer?

  How it works. It is still like a moral obligation and whatnot, but.

• 1:23:20Speaker 03

  Yeah, sure. But that was like a very back of the burner thing because that was my, I didn't think, I didn't think I had to pay it.

• 1:23:25Caleb Hammer?

  But you can get on like a, why, why would you think you don't have to pay?

• 1:23:28Speaker 03

  Well, sure.

• 1:23:29Caleb Hammer?

  You're just thinking there's no consequence.

• 1:23:30Speaker 03

  No, no, I know you're supposed to. Obviously it's a bill. You're supposed to pay it. Yes, I understand that. But it was very back of the burner because I thought.

• 1:23:38Caleb Hammer?

  Okay, back of the burner. Well, why not put it?

• 1:23:40Speaker 03

  To pay.

• 1:23:41Caleb Hammer?

  Minimum monthly payment. Still would have been cheap.

• 1:23:43Speaker 03

  To pay it. Careful.

• 1:23:45Caleb Hammer?

  Okay, and co- okay, so, okay, what is this? What's at a 12.8% interest rate? Balance for uh, $4,771.4 cents.

• 1:23:54Speaker 03

  That was a personal loan.

• 1:23:55Caleb Hammer?

  Was, is, I would say.

• 1:23:57Speaker 03

  I had taken out a personal loan back in December. Um, and it originally was a consolidation loan. Um, I know. I know, see, but it, it, it really did derail because I took it.

• 1:24:09Caleb Hammer?

  I, I love consolidation loans, but only if you change your behavior.

• 1:24:12Speaker 03

  I genuinely did have good intentions when I took that out because it was in December.

• 1:24:16Caleb Hammer?

  Evil.

• 1:24:16Speaker 03

  Well, no, no, no, you called me a dumb [BLEEP] earlier.

• 1:24:19Caleb Hammer?

  Well, you're a dumb [BLEEP]. I didn't say evil.

• 1:24:22Speaker 03

  Well, I took that loan out because I, I paid up. When I took it out, I did pay up my cash app. I paid up my credit card. I put extra money towards my car payment. And then I had a bunch of money left over. So yes, it was a good Christmas. A lot of it did go towards Christmas.

• 1:24:37Caleb Hammer?

  Oh my.

• 1:24:38Speaker 03

  But, but at the end of the month, Nova, listen, at the end of the month, that was in December and me and my ex broke up on New Year's. So whatever, I used the rest of that money towards my apartment.

• 1:24:49Caleb Hammer?

  Deflection, deflection.

• 1:24:49Speaker 03

  I used the rest of that money towards my apartment.

• 1:24:51Caleb Hammer?

  If you change your behavior, I'll let you get a better interest rate personal loan. Cause we have a loan, first, lower interest rate personal loan marketplace on Calebhammer.com now. But it's only for people who change their behavior.

• 1:25:02Speaker 03

  Yes.

• 1:25:02Caleb Hammer?

  So if you do, you can probably get one at a lower interest rate than that.

• 1:25:05Speaker 03

  That was my intention.

• 1:25:05Caleb Hammer?

  But not without changing your behavior.

• 1:25:08Speaker 03

  Okay.

• 1:25:09Caleb Hammer?

  Cause that shit is really good out there. It is a helpful tool, but only if you change your behavior for a couple of months.

• 1:25:13Speaker 03

  Yes.

• 1:25:14Caleb Hammer?

  So minimum monthly payment, $123.

• 1:25:16Speaker 03

  I had the intentions, but then.

• 1:25:17Caleb Hammer?

  13% interest rate. You had an intention, but you [BLEEP] it, okay? I don't care.

• 1:25:20Speaker 03

  I didn't plan on us breaking up. I didn't think I was gonna have to.

• 1:25:24Caleb Hammer?

  Two return fees this year so far.

• 1:25:26Speaker 03

  On what?

• 1:25:28Caleb Hammer?

  Your personal loan.

• 1:25:31Caleb Hammer?

  As in when a minimum monthly payment was required, it did not make it through. Only a couple of months into this year.

• 1:25:37Speaker 03

  I manually pay that.

• 1:25:38Caleb Hammer?

  Well, you do it when you don't have enough money in the checking account to pay by the time it hits. You've had two returned fees.

• 1:25:43Speaker 03

  Not a fee?

• 1:25:44Caleb Hammer?

  Yes, it's literally right here. Here you go, dummy.

• 1:25:48Speaker 03

  Dummy. No, I paid up manually, so I didn't know that it was returned.

• 1:25:53Caleb Hammer?

  It's right there. It's literally in your account, so I don't know what to tell you.

• 1:25:56Speaker 03

  Well, I never saw it come back into my checking.

• 1:25:59Caleb Hammer?

  It wouldn't. What? No, you [BLEEP] moron. When that loan, the personal loan was due, or you manually paid it.

• 1:26:06Speaker 03

  Yeah.

• 1:26:06Caleb Hammer?

  When that tried to draw.

• 1:26:08Speaker 03

  Yeah.

• 1:26:09Caleb Hammer?

  There was not enough money in your checking account, so it applied a fee.

• 1:26:13Speaker 03

  Oh, okay, that makes sense.

• 1:26:14Caleb Hammer?

  Twice this year so far, four months in, so half the months. So six months this year is the trend you're on. Yeah, you're better than other guests, fuck you. Three hundred sixteen dollars, what do you owe this for? No, this is a balance of six thousand seven hundred twelve dollars and sixty nine cents.

• 1:26:32Speaker 03

  That's my car, that's my car.

• 1:26:32Caleb Hammer?

  What's your car?

• 1:26:33Speaker 03

  I have a twenty fifteen Chevy Equinox.

• 1:26:35Caleb Hammer?

  Oh.

• 1:26:36Speaker 03

  And it's.

• 1:26:37Caleb Hammer?

  So really hoping for a Nissan Altima.

• 1:26:39Speaker 03

  No, no, I'm, that's like for Latinas. That's like, what, all Mexicans drive?

• 1:26:46Caleb Hammer?

  Uh huh.

• 1:26:47Speaker 03

  It is. Um, no, uh, I have a mom car, Chevy Equinox. Uh, it is just under a hundred and thirty three thousand miles.

• 1:26:59Caleb Hammer?

  Well, I don't know, well, listen, I don't know. But the interest rate at five point two four, it's not the absolute worst. And we didn't get a VIN number from you, so we haven't been able to check it.

• 1:27:06Speaker 03

  It was on my, uh, my insurance card. I sent my car insurance, I had my VIN on it.

• 1:27:12Caleb Hammer?

  I don't know, but we didn't get that. It is a seventy two month loan, which is not good. And the minimum payment for your income is stacking three sixteen sixty five.

• 1:27:19Speaker 03

  Yeah, I usually pay three thirty when I make my car payment.

• 1:27:22Caleb Hammer?

  That doesn't really do anything. And it also makes no sense when we have credit cards and shit, so, uh, just like stop. Okay, we have another, oh, these are student loans, what was your degree?

• 1:27:32Speaker 03

  I went for secondary education, I was gonna be a high school teacher.

• 1:27:35Caleb Hammer?

  Why aren't you?

• 1:27:37Speaker 03

  I had dropped out during COVID because online learning just was not for me. I couldn't retain it.

• 1:27:43Caleb Hammer?

  COVID was a long time ago, so.

• 1:27:44Speaker 03

  Yeah, I couldn't retain online learning, so I got.

• 1:27:47Caleb Hammer?

  COVID was a long time ago.

• 1:27:49Speaker 03

  Yeah, so I started a full-time job and I have, I've had a full-time job since then, so I just never had time to go back to school.

• 1:27:55Caleb Hammer?

  More as a teacher.

• 1:27:56Speaker 03

  Uh, I don't know, teachers, almost their whole paycheck goes to their classroom. They pay, they have, teachers have to pay for their own classroom, like decorations and all that.

• 1:28:03Caleb Hammer?

  Their entire paycheck goes to their full classroom.

• 1:28:06Speaker 03

  System is struggling right now.

• 1:28:07Caleb Hammer?

  Depends where, what are you talking about? It's actually getting more funding than ever. In fact, the highest funded state in the country is New Mexico, which has one of the lowest standards in the country.

• 1:28:16Speaker 03

  So I'm supposed to go over to New Mexico and teach?

• 1:28:18Caleb Hammer?

  No, I'm just saying, the amount of money doesn't necessarily affect. Outcomes and to say the vast majority of a teacher's paycheck goes to the classroom. That is not true. Everyone wants teachers to be paid well, but they are many times other than few select districts. Yes, and few select states. Yes, teachers actually make a pretty decent income a few years in.

• 1:28:36Speaker 03

  They're getting burnt out, though. Like, my best friend's mom is a teacher.

• 1:28:40Caleb Hammer?

  That's everything.

• 1:28:40Speaker 03

  The classroom sizes are, there's too many kids per teacher.

• 1:28:43Caleb Hammer?

  You would certainly experience that in Texas. That is also state dependent and school district dependent, but yes, sure.

• 1:28:49Speaker 03

  Sure, yeah. It's just not a field that I want to be in anymore.

• 1:28:51Caleb Hammer?

  Okay, well, there you go. That's a better answer.

• 1:28:53Speaker 03

  It's not a field that I want to be in anymore. I don't.

• 1:28:55Caleb Hammer?

  What's your minimum monthly payment on your student loans?

• 1:28:57Speaker 03

  Um, oh, God, I don't know.

• 1:28:58Caleb Hammer?

  Oh, it's fifteen fifty-nine. It's not bad at all.

• 1:29:00Speaker 03

  Yeah. Uh.

• 1:29:03Caleb Hammer?

  The interest rate's not bad. So you're two thousand thirty-five, twenty-five.

• 1:29:05Speaker 03

  Yeah, that was very back of the.

• 1:29:06Caleb Hammer?

  Listen, I'm very pro teachers.

• 1:29:08Speaker 03

  Bro.

• 1:29:08Caleb Hammer?

  I mean, sometimes the union advocates for that more than it does the students, but besides that, I want really good education, but it just suggests. Don't, don't cope bullshit. Okay? Oh.

• 1:29:22Caleb Hammer?

  Yeah, checking account ended negative thirty-five dollars, fifteen cents.

• 1:29:27Caleb Hammer?

  So, that's great. Started with a dollar. You're wonderful. And all four McDonald's and Apple bill and taking tolls, but you do not need to.

• 1:29:39Speaker 03

  When I don't take tolls, it is ridiculous.

• 1:29:42Caleb Hammer?

  When you take tolls, you overdraft. Shut up, bitch.

• 1:29:43Speaker 03

  It is ridiculous.

• 1:29:44Caleb Hammer?

  Shut up! Cash app, putting money over there. Afterpay, I didn't even see this. Hopefully you paid that off because I didn't even have that in my account.

• 1:29:50Speaker 03

  Yeah, Afterpay's paid off.

• 1:29:51Caleb Hammer?

  Thank you. Smoking more, that certainly isn't paid off. Vape City, that's not paid off. So far, we're up to now seventy-five dollars, actually more than that, almost eighty dollars for vaping in a month. More tolls. Can't afford it, you're overdrafted. Shut up. Hallmark. Golf.

• 1:30:06Speaker 03

  Those were.

• 1:30:06Caleb Hammer?

  You are overdressing, you're not getting a Hallmark. This is, no, you're just not. Going and getting some bullshit, getting some bullshit. Apple Cash App, more tolls while you're overdrafting McDonald's, Cash App money, fuck you, dude.

• 1:30:21Caleb Hammer?

  Apple, DoorDash, you're literally DoorDashing Jack in the Box.

• 1:30:24Speaker 03

  I can't leave work. I can't leave work to get food.

• 1:30:27Caleb Hammer?

  You're a woman, shut up.

• 1:30:28Speaker 03

  I, that's not my job to be in the kitchen.

• 1:30:31Caleb Hammer?

  Your job is to actually take care of yourself, though, yes.

• 1:30:34Speaker 03

  Sure, yeah.

• 1:30:35Caleb Hammer?

  And you can't afford this. You're overdrafting, you're DoorDashing.

• 1:30:37Speaker 03

  But when I'm already at work.

• 1:30:39Caleb Hammer?

  You do not deserve that. You are not entitled to anything. Fuck off.

• 1:30:42Speaker 03

  When I'm already at work, I can't leave. I can't leave when I'm at work.

• 1:30:45Caleb Hammer?

  Yeah, so you prepare food. I don't understand that. Use a meal plan. You dumped it.

• 1:30:49Speaker 03

  Okay.

• 1:30:49Caleb Hammer?

  What is wrong with you?

• 1:30:50Speaker 03

  But when I'm already there and I have nothing to eat, what am I supposed to do?

• 1:30:54Caleb Hammer?

  That is no longer an option going forward. It was in the past, it's not going forward because you will always bring food.

• 1:30:58Speaker 03

  Okay, yeah.

• 1:30:59Caleb Hammer?

  Even I bring food to work now, and I'm rich.

• 1:31:02Speaker 03

  Great.

• 1:31:03Caleb Hammer?

  You can choose what I mean.

• 1:31:05Speaker 03

  Okay, I'll start making sandwiches. I'll start making sandwiches and a brown paper bag lunch. Yep.

• 1:31:09Caleb Hammer?

  Iguana something.

• 1:31:10Speaker 03

  Iguana rata. It's a Mexican, it's a Mexican restaurant.

• 1:31:13Caleb Hammer?

  Great, you can't afford it. It's forty-two dollars. What are you talking about? It's all your ex's fault. Fuck off, victim. Yeah, we're gonna call in their post-show. I don't care what you think. Vape City, O-M-I-T, Hong Kong Food, a hundred dollars.

• 1:31:24Speaker 03

  That was groceries.

• 1:31:25Caleb Hammer?

  Now shut up. Vape City, that was forty-seven. We're a hundred twenty-five thousand vapes in a month now. Sonic, Zonout, Zonout, Center Court, Appleville, Appleville, Appleville Cheese. Microsoft, pull up your phone. More tolls.

• 1:31:37Speaker 03

  For what?

• 1:31:38Caleb Hammer?

  Pull up your phone.

• 1:31:39Speaker 03

  What do you want me to owe you?

• 1:31:40Caleb Hammer?

  Shut up! I'll do it myself, you dumb tit.

• 1:31:42Speaker 03

  Oh my god.

• 1:31:43Caleb Hammer?

  Wendy's, Alta, Dunkin'.

• 1:31:45Speaker 03

  Here.

• 1:31:46Caleb Hammer?

  Dunkin' Donuts, my gosh. And more tolls. You are a broken individual.

• 1:31:50Speaker 03

  Dude, without tolls, it's ridiculous.

• 1:31:52Caleb Hammer?

  Without tolls, without tolls, you're at least affording to drive. Because you can't afford, you can't afford shit, man.

• 1:32:00Speaker 03

  It takes so long without tolls.

• 1:32:01Caleb Hammer?

  Shut up! You just say the same thing over again, like that all of a sudden justifies it like it didn't before.

• 1:32:05Speaker 03

  They're a necessity.

• 1:32:06Caleb Hammer?

  No, they're actually not. In Texas, they're not. In some states, they absolutely are. And in Texas, they're convenient. They're very convenient. They're good. I want you to take them. You can't afford them, so shut up. Okay, is this Apple Music and I? I don't know what your Apple cash. There must be in-app purchases and stuff.

• 1:32:20Speaker 03

  Yeah, um, I play a lot of Monopoly Go.

• 1:32:25Caleb Hammer?

  Did you guys just hear that? She just said she plays a lot of Monopoly Go. When we were on the phone with your boyfriend, he said he hadn't played it in two years.

• 1:32:33Speaker 03

  That was Pokemon Go. That was Pokemon Go.

• 1:32:35Caleb Hammer?

  Monopoly, Monopoly Go was the thing that popped up.

• 1:32:38Speaker 03

  Oh, yeah, Monopoly Go. I play.

• 1:32:40Caleb Hammer?

  You are a disgusting creature.

• 1:32:42Speaker 03

  I play now.

• 1:32:42Caleb Hammer?

  You spent hundreds on it while you're overdrafting. You're just, you're like, you're, go fuck yourself.

• 1:32:47Speaker 03

  They had a Hello Kitty crossover.

• 1:32:48Caleb Hammer?

  No, shut up, shut up, die. In Minecraft. In Pokemon Go.

• 1:32:53Speaker 03

  No, Pokemon Go is, is dead, for sure.

• 1:32:56Caleb Hammer?

  Debt payments for 70, 24. What's your rent?

• 1:33:01Speaker 03

  My rent is 680.

• 1:33:04Caleb Hammer?

  What's your utilities, including internet? Gas, electric, all that stuff?

• 1:33:07Speaker 03

  Um, gas, water, all that is included in rent. I only pay electric. My electric is like $70.

• 1:33:14Caleb Hammer?

  And you said 680 or 618?

• 1:33:15Speaker 03

  680.

• 1:33:17Caleb Hammer?

  Okay. Phone bill?

• 1:33:18Speaker 03

  Uh, my phone and internet are bundled right now and, uh, like 70, but after a year, it's gonna be 100.

• 1:33:25Caleb Hammer?

  Okay, switch to helium, 15 bucks a line. It's great because T-Mobile has great service there, so it uses the same towers. Gas, vroom, vroom, drive, drive.

• 1:33:32Speaker 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.

• 1:34:01Caleb Hammer?

  I don't care. Vroom, vroom, drive, drive. How much?

• 1:34:04Speaker 03

  Gas, um, oh my god, with gas prices on the rise. I usually fill up every two weeks and the last time I filled up because of prices, it was like... Well, it varies because of the price, but the last time, the last time I filled up, it was like 60 bucks, but normally, normally it's like 40.

• 1:34:19Caleb Hammer?

  How much do I ever put in for a month, dude?

• 1:34:22Speaker 03

  Do 100.

• 1:34:23Caleb Hammer?

  Oh my gosh, thank you. Car insurance?

• 1:34:25Speaker 03

  My car insurance is like 155.

• 1:34:27Caleb Hammer?

  Okay, I'll get you a course career certification, by the way, because many people in the audience have converted those into six-figure jobs. I need you to as well. There's lots of certifications, so you choose what you want to do and you'll make so much more money. You need to make more money, though.

• 1:34:39Speaker 03

  It is a job that you can grow with. There are people there for a long time.

• 1:34:43Caleb Hammer?

  And then you use it in your job to get a better pay and promotion, because people use them for that as well, not just finding new jobs. Groceries, $300. Use the meal plan. Multiple cooking throughout the week and your meal prepping, meal prepping, meal prepping. You get the digital version of the cookbook as well, just like everyone at the Dollar Y's annual version. TP fun, everything else you need, including tampons, one hundred fifty bucks, makeup, blah, blah, blah, all that good stuff.

• 1:35:03Speaker 03

  Okay.

• 1:35:03Caleb Hammer?

  You could use it.

• 1:35:04Speaker 03

  I have some on, actually. If you couldn't tell.

• 1:35:08Caleb Hammer?

  No, I'm fine. Yeah, no, I'm kidding. You look fine.

• 1:35:10Speaker 03

  Thank you.

• 1:35:10Caleb Hammer?

  Uh, medical healthcare, copays, things like that. Yeah, you look fine. I mean, you're literally cutting your eyebrows. It's weird.

• 1:35:15Speaker 03

  Fashion, come on.

• 1:35:17Caleb Hammer?

  Fashion. Medical healthcare, copays, anything?

• 1:35:20Speaker 03

  You wanna talk about my eyebrow splits when the girl came on looking like a clown?

• 1:35:23Caleb Hammer?

  Yeah, she was ugly. Anything looking for minimum monthly medical, medical payments? Come on.

• 1:35:28Speaker 03

  Um, my work covers vision.

• 1:35:31Caleb Hammer?

  Nothing, nothing? Is there, are there copays? Medications?

• 1:35:34Speaker 03

  My, my insurance does cover that.

• 1:35:36Caleb Hammer?

  There you go.

• 1:35:36Speaker 03

  Insurance gets taken out automatically. I have an aquarium of super low maintenance. Yeah, super low maintenance.

• 1:35:42Caleb Hammer?

  Uh...

• 1:35:43Speaker 03

  Speaking of, you need to take care of your aquarium. That poor fish in there.

• 1:35:46Caleb Hammer?

  Hey, he's happy. He's been living forever.

• 1:35:48Speaker 03

  No, no filter, no heater?

• 1:35:49Caleb Hammer?

  There is a filter.

• 1:35:51Speaker 03

  There is a filter in there?

• 1:35:52Caleb Hammer?

  The guppy does not need a heater for the temperature we keep it in this building.

• 1:35:55Speaker 03

  Okay, surviving's not a...

• 1:35:57Caleb Hammer?

  I'm not gonna kill him.

• 1:35:59Speaker 03

  You can treat it better, though.

• 1:36:00Caleb Hammer?

  Nice, but like, we don't, we, we do it right.

• 1:36:03Speaker 03

  It's like half empty.

• 1:36:04Caleb Hammer?

  Yes, but we do it right.

• 1:36:05Speaker 03

  Okay.

• 1:36:08Caleb Hammer?

  I know how to take care of it. Uh, guppies are the easiest fish in the world.

• 1:36:11Speaker 03

  Hmm, they're also really dirty.

• 1:36:13Caleb Hammer?

  Filter in the back. Well, it's not dirty there, cause there's a filter.

• 1:36:17Caleb Hammer?

  Okay, so you only...

• 1:36:20Speaker 03

  I also have an aquarium. I know how to take care of...

• 1:36:22Caleb Hammer?

  Fresh water or salt water?

• 1:36:23Speaker 03

  Fresh.

• 1:36:24Caleb Hammer?

  What's in it?

• 1:36:25Speaker 03

  Uh, African dwarf frogs.

• 1:36:28Caleb Hammer?

  Okay, see, you do frogs. I don't wanna hear your fish talk.

• 1:36:30Speaker 03

  I have Corydoras, I have snails, um, shrimp.

• 1:36:35Caleb Hammer?

  Shrimp?

• 1:36:35Speaker 03

  Yeah, I have shrimp.

• 1:36:36Caleb Hammer?

  They'll do anything. They'll survive any of the shrimp in there.

• 1:36:38Speaker 03

  Yeah. The shrimp are like the cleanup crew.

• 1:36:41Caleb Hammer?

  And minus your student loans of two thousand thirty-five, cause you'll do minimum monthly payment until it's paid off, you have ba- bad debt of thirteen thousand five hundred fifty-one dollars. With your extra four hundred thirty-one dollars and fifty-four cents on a monthly basis, that brings it to thirty-one months, which honestly is not the worst. It's literally a temporary sacrifice and you're debt-free in two and a half... Full of fun and emergency fund and three and then you're done. I told you it wouldn't take that long. If you do it is the thing. Yeah. Well, we're gonna call the X in the post show. No matter what you think, I don't give a and I'm also gonna see if your boyfriend has texted you. Let's find out, but that'll all be good in the post. So let's get your hammer financial score first to get yours at kylehammer.com. Spending in a budget. Oh, you overspend zero out of 10 debt collection zero out of 10 without medical.

• 1:37:24Caleb Hammer?

  Emergency fund, nothing to saving zero out of 10 retirement. I didn't get it. So zero out of 10 doesn't own real estate zero out of 10. You answered your questions incorrectly. It's zero out of 10 is your hammer financial score. Click to join button to get three premium shows posted every single day, six days a week, including an extra 20 minutes of this episode called the financial audit post show. I'll see you there. Join Hammer Elite. Bye.

• 1:37:44Speaker 05

  Hello, where the are you? Hammer Media called me with some bullshit.

• 1:37:49Speaker 03

  I'm doing financial audit.

• 1:37:50Speaker 05

  You didn't. Talking about me on the internet.

• 1:37:54Caleb Hammer?

  I have an exclusive offer just for you, but there's only one week left to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Plus I just launched the brand new Hammer Elite app available on every major platform. To celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join and that's a promise. Now at Kroger, your points add up to more ways to save every trip. Use them your way to take dollars off groceries at checkout or save at the pump. You can even save up to $35 on your next fill up.

• 1:38:37Caleb Hammer?

  Same points, more choices and with low prices on fresh, quality food, plus digital and personalized offers tailored to how you shop. Your dollar goes further. Redeem your points online or in the app. Kroger, fresh for everyone. Restrictions apply. See site or store for details.