Failed OF “Model” Is Batsh*t Crazy | Financial Audit

Go to my sponsor https://aura.com/hammer to get a 14-day free trial and see if any of your data has been exposed. ▶We get to go into the crazy X-rated details in the post-show that would get the main episode de-monetized- watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶▶Download my *budgeting app* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. This comes with automatic account connections, my budget-friendly cookbook, an online community, and exclusive discounts on my products- change your financial future *NOW* ▶▶▶ *AND REMEMBER* those who sign up for Simpler Budget Premium *annual* get a signed versions of the Cook Book and Simpler Budget Founders Edition Journal, just send proof of annual here: https://tally.so/r/3xzPq5 Roll over your 401(k) at https://hicapitalize.com/caleb and see site for full terms. This video is sponsored by Capitalize! #sponsored @hiCapitalize ▶▶▶Download my *budgeting app* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay ▶ Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ___________________________________________ ▶EDUCATION: *FINANAL LOW PRICE CHANCE* 1. *LAST CALL FOR 40% OFF TOTAL DISCOUNT* Bundle my budgeting, debt, investing and real estate program https://calebhammer.com/classpack/ 2. *LAST CALL FOR 25% OFF* The best budgeting program online: https://calebhammer.com/budget 3. *LAST CALL FOR 25% OFF* Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing 4. *LAST CALL FOR 25% OFF* Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula 5. *LAST CALL FOR 25% OFF* Everything you need for buying your first home to buy your first investment property: https://calebhammer.com/realestate/ 6. Get your own free Hammer Financial Score: https://www.calebhammer.com ___________________________________________ ▶RESOURCES 1. Checking & Savings: Get up to 3.80% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link 2. Click this link https://j.moomoo.com/Caleb to get up to $150 in Cash Rewards from moomoo U. S when you make a qualified deposit + earn 8.1% on uninvested cash for a limited time for new users!! Terms and Conditions apply. Securities are offered through Moomoo Financial Inc. (MFI), Member FINRA/SIPC. The creator is a paid influencer and is not affiliated with MFI and their experiences may not be representative of other moomoo users. Investing is risky. 3. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 4. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer 5. The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 6. Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today! 7. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/ 9. Therapy: Make SonderMind your mental health home in 2025. Sign up at: https://pages.sondermind.com/caleb/ 10. Build you own stan store: https://www.stan.store/?ref=CalebHammer 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.

• 0:01Speaker 00

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• 0:30Speaker 01

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• 0:42Speaker 02

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• 0:45Speaker 03

  I also do only [BLEEP] on the side, too.

• 0:47Caleb Hammer?

  What are you actually making [BLEEP] house in? Or were you just having one special donor?

• 0:51Speaker 03

  Oh, that's a good question.

• 0:52Caleb Hammer?

  Oh, come the [BLEEP] guy.

• 0:53Speaker 03

  No, I really try to do everything for myself.

• 0:56Caleb Hammer?

  No, you're not. That's a load of bull [BLEEP].

• 0:59Speaker 03

  I mean...

• 1:00Caleb Hammer?

  You rely on your girlfriend's mommy?

• 1:02Speaker 03

  No.

• 1:03Caleb Hammer?

  That is you trying to get out of being pushed back on. Don't [BLEEP] with me with your trying.

• 1:09Caleb Hammer?

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• 1:25Speaker 03

  Hey, my name is Anastasia. I am 28 years old. I'm from Los Angeles, California, and this is Financial Audit.

• 1:33Caleb Hammer?

  Thanks for coming in from LA. I don't think we've had someone from LA on this show.

• 1:37Speaker 03

  That's crazy.

• 1:37Caleb Hammer?

  There's a lot of crazy people there, so...

• 1:40Speaker 03

  Yeah.

• 1:40Caleb Hammer?

  It's gonna be very interesting to see what that means in this situation.

• 1:45Speaker 03

  Yeah.

• 1:46Caleb Hammer?

  What do you do there for a living?

• 1:47Speaker 03

  So I work for Golden State Water Company. It's kind of an office job. So I work in the low income department. So I'm kind of dealing with the people who are trying to get that low income discount. So I send them the applications. I make 26 an hour.

• 2:03Caleb Hammer?

  26, but in Los Angeles. That's the hard part.

• 2:06Speaker 03

  Yeah.

• 2:06Caleb Hammer?

  One of the more expensive cities. How many hours a week do you work?

• 2:09Speaker 03

  About thirty right now.

• 2:11Caleb Hammer?

  How are you surviving? I just hit that out of the gate, thirty hours a week. In LA, how are you surviving? Are you surviving?

• 2:18Speaker 03

  Barely. I'm barely surviving because I am right now currently apprenticing for a dog groomer. Um, that's kind of where I'm trying to go to after the office job. I hate.

• 2:29Caleb Hammer?

  Do you need a license for that?

• 2:30Speaker 03

  Not as far as I know. So.

• 2:34Caleb Hammer?

  Do you not have the necessary experience for it yet?

• 2:37Speaker 03

  Yeah, I don't have any experience for it. So I went to my mom's groomer and she said that I could apprentice with her because I just asked and she was like, yeah, if you can come in, but that kind of takes up a lot of my time and it doesn't pay. So basically.

• 2:53Caleb Hammer?

  There's no pay for the apprenticeship?

• 2:55Speaker 03

  No.

• 2:55Caleb Hammer?

  How much time? You cut your hours down to thirty?

• 2:59Speaker 03

  Yeah, I have cut my hours down.

• 3:00Caleb Hammer?

  You did that by choice. Okay. How much time are we spending on this grooming?

• 3:03Speaker 03

  So I'll come in after work.

• 3:07Caleb Hammer?

  Then why can't you work forty hours a week and still go in after work?

• 3:10Speaker 03

  Because for the grooming, it's like a twelve hour day. So right now what I'm doing is I'm working.

• 3:16Caleb Hammer?

  How many hours grooming?

• 3:19Speaker 03

  Eight AM to.

• 3:20Caleb Hammer?

  No, a week. How many hours a week grooming apprentice?

• 3:24Speaker 03

  Like twelve. Twelve hours because it's one day.

• 3:28Caleb Hammer?

  Honestly, honestly, work five days a week and do the grooming on a weekend.

• 3:32Speaker 03

  Yeah, that's what I do. That's what I do. But.

• 3:34Caleb Hammer?

  Then how are you thirty hours a week?

• 3:35Speaker 03

  Because I only work part time during the week because.

• 3:40Caleb Hammer?

  Why then? But the grooming's not on that day.

• 3:43Speaker 03

  Right, but I.

• 3:44Caleb Hammer?

  That's not making any sense then.

• 3:46Speaker 03

  Right, but I want to go home.

• 3:51Speaker 03

  I want, I want to go home. After the job, I get tired and I want to go home.

• 3:55Caleb Hammer?

  Yeah, can you pay for the home?

• 3:57Speaker 03

  Yeah, I can because I have help with my roommate, my girlfriend. So I.

• 4:03Caleb Hammer?

  Oh, girlfriend, girlfriend, girlfriend?

• 4:04Speaker 03

  Yeah, girlfriend, girlfriend.

• 4:05Caleb Hammer?

  Girlfriend, girlfriend. Okay. So that helps split the rent and utilities and potentially groceries and stuff.

• 4:11Speaker 03

  Yeah.

• 4:11Caleb Hammer?

  Yeah, that makes sense. Just girlfriend, though, not marriage?

• 4:15Speaker 03

  No, not marriage.

• 4:16Caleb Hammer?

  Okay, is that in the horizon?

• 4:19Speaker 03

  I would like for it to be. She, I don't think so.

• 4:22Caleb Hammer?

  Well, then, if one doesn't think so, then probably not.

• 4:26Speaker 03

  Yeah.

• 4:26Caleb Hammer?

  So when you're saying barely surviving, what's going on? What are we talking about?

• 4:29Speaker 03

  So barely surviving. So our rent is about 1,500 split. So we each pay about 800 a month.

• 4:42Caleb Hammer?

  Not bad at all. Is it a sh- please?

• 4:44Speaker 03

  No, it actually belongs to my girlfriend's mom.

• 4:46Caleb Hammer?

  Oh, so you're subsidized by?

• 4:49Speaker 03

  Yeah.

• 4:49Caleb Hammer?

  Wealthier parents, yeah?

• 4:51Speaker 03

  Yeah, she, she owns the condo.

• 4:52Caleb Hammer?

  That's why you're allowed to work 30 hours a week because I want to go home because someone else is subsidizing your lifestyle. You would not be able to do that on your own. That's why I pushed back a little at the beginning, but you wouldn't be able to do that.

• 5:01Speaker 03

  Right.

• 5:02Caleb Hammer?

  But you are because of that. And you know what? That, that is what it is.

• 5:05Speaker 03

  Yeah.

• 5:05Caleb Hammer?

  It is what it is. So I guess I can be okay with that as long as it's not enabling a bad lifestyle. I don't think it is. You are still putting in 40 hours a week. Some of it's just the apprenticeship. So I am okay with that.

• 5:19Speaker 03

  Good. I'm, I'm glad you're.

• 5:22Caleb Hammer?

  Just talking through it.

• 5:24Speaker 03

  Yeah.

• 5:24Caleb Hammer?

  When are you gonna be in the grooming of the dog world?

• 5:28Speaker 03

  I'm hoping by summer because right now I, I usually take off a little bit of time during the summer. So my income is not completely consistent because I'll.

• 5:37Caleb Hammer?

  How much time do you take off?

• 5:39Speaker 03

  Well, I work remote because I'll go visit my relatives in New Jersey.

• 5:43Caleb Hammer?

  Cool. And work remote in New Jersey? I'm confused.

• 5:45Speaker 03

  Yeah. So the remote part of it, it takes off some of the hours.

• 5:50Caleb Hammer?

  How much time do you take off in the summer?

• 5:52Speaker 03

  Like two months.

• 5:52Caleb Hammer?

  We still gotta pay for bills.

• 5:53Speaker 03

  Yeah.

• 5:54Caleb Hammer?

  Paid time off?

• 5:55Speaker 03

  Not paid time off, no.

• 5:57Caleb Hammer?

  Two months? You lose two months, but you're barely making it and you lose two months?

• 6:00Speaker 03

  Mm-hmm. I've had savings.

• 6:03Caleb Hammer?

  Out of a 12-month year, you lose two months?

• 6:05Speaker 03

  Yeah.

• 6:07Speaker 03

  I've had savings the past few years and I'll Instacart. So I Instacart typically when I'm in New Jersey.

• 6:14Caleb Hammer?

  How does the girlfriend feel that about the, about the situation? The fact is that you're able to take two months off and 30 hours a week is your work, paid work because her mom subsidizes life?

• 6:28Speaker 03

  I mean, she.

• 6:32Speaker 03

  It's hard because she does the same thing is she because she works in a different field than I do, but they have summers off. So she is able to take that time off. So then I

• 6:44Caleb Hammer?

  She has summers off.

• 6:45Speaker 03

  Yeah.

• 6:46Caleb Hammer?

  So that's taking the time off. She has summers off.

• 6:48Speaker 03

  Right. Right. So I mean,

• 6:51Caleb Hammer?

  What about your guys' relationship with money then?

• 6:54Speaker 03

  I mean, it's not the best. That's kind of our thing that we're going through right now is like, our finances are not totally aligned.

• 7:02Caleb Hammer?

  How long have you guys been together?

• 7:04Speaker 03

  Three and a half years.

• 7:05Caleb Hammer?

  It's not aligned because yeah, we would be definitely trying to minimum get aligned by then.

• 7:10Speaker 03

  Yeah. So I just have way more bills than she does. So I, so I have my car. I have my credit cards.

• 7:18Caleb Hammer?

  You're talking about debts.

• 7:18Speaker 03

  Yeah, debts. Yes. But she, she only pays rent.

• 7:21Caleb Hammer?

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• 8:05Caleb Hammer?

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• 8:44Speaker 03

  I mean,

• 8:45Caleb Hammer?

  What do you mean you're not aligned with money? You said just more bills. That's not not being aligned with money.

• 8:49Speaker 03

  Yeah.

• 8:50Caleb Hammer?

  There has to be something more.

• 8:52Speaker 03

  So, I mean, she makes less than I do. So, really, what we are is we are two separate entities when it comes to finances. The only thing that we share financially-

• 9:01Caleb Hammer?

  Yeah, and I wanna know what's, how you guys are not aligned, cuz I just hear a mathematical difference. A line is usually a mental thing.

• 9:07Speaker 03

  Oh, well, I mean, yeah, no, we're fine. I'm, I'm kinda on her about it. She's not on me about it.

• 9:13Caleb Hammer?

  What are you on her about if she's the one not in debt?

• 9:15Speaker 03

  I mean, cuz she'll still have times when it's harder for her and I'll have to help with the money.

• 9:24Caleb Hammer?

  You're in debt, but you have to help her, but mom is, her mom is helping you.

• 9:27Speaker 03

  Yeah.

• 9:28Caleb Hammer?

  So, it's a weird triangle of confusion money.

• 9:31Speaker 03

  Yeah, it, it is. She's younger than I am, so I, it's-

• 9:37Caleb Hammer?

  How much younger, what?

• 9:39Speaker 03

  She's 26.

• 9:40Caleb Hammer?

  Oh, no, a baby.

• 9:41Speaker 03

  Yeah, no.

• 9:42Caleb Hammer?

  Why, that's not even, why does that even matter?

• 9:46Speaker 03

  It doesn't, you're right. I, I just feel like I-

• 9:50Caleb Hammer?

  Then why? I feel like that is a, kind of, almost an enablement of her, a justification of her being able to just slack.

• 9:57Speaker 03

  Yeah, and, I mean, I definitely-

• 9:59Caleb Hammer?

  What does she make?

• 10:00Speaker 03

  She makes 25 an hour.

• 10:02Caleb Hammer?

  How many hours a week?

• 10:03Speaker 03

  30.

• 10:05Caleb Hammer?

  You're trying to make it sound like some massive substantial difference, it's a dollar.

• 10:09Speaker 03

  Yeah.

• 10:09Caleb Hammer?

  A dollar.

• 10:11Speaker 03

  Yeah.

• 10:14Caleb Hammer?

  Then what the, then what are we talking about? What are we talking about here?

• 10:19Speaker 03

  Okay, no. Let, yeah, let's, let's talk about what are we talking about here? Um-

• 10:24Caleb Hammer?

  What is going on?

• 10:24Speaker 03

  What is going on? Um, so, well, okay, here, let's go back to this. What, where would you like to start from again?

• 10:36Speaker 03

  Relationship, uh, like, where we are financially, like, where would you like to start again from? Because I feel like we should just, like-

• 10:45Caleb Hammer?

  I'm just asking you, what are we talking about today? What is your situation that we are talking about today?

• 10:52Speaker 03

  Oh, I mean, I've got debt. Um, I've, I've, I want to move out of this job. I want a different job.

• 11:02Caleb Hammer?

  Okay, and it's the grooming.

• 11:03Speaker 03

  Yeah.

• 11:04Caleb Hammer?

  How many hours a week is the grooming gonna be?

• 11:07Speaker 03

  Well, the grooming, I think it would end up being five days a week, uh- But it's not an hourly pay. It's a like

• 11:17Caleb Hammer?

  Per job?

• 11:17Speaker 03

  Per dog. Yeah.

• 11:18Caleb Hammer?

  Are you gonna have to do side hustles? Is this gonna be?

• 11:21Speaker 03

  It's like a hundred dollars per dog. So like they get in like six or seven dogs a day. So.

• 11:27Caleb Hammer?

  Yeah, but are you working for a company or are you on your own?

• 11:30Speaker 03

  No, it's for it's for a independent owner.

• 11:33Caleb Hammer?

  Yeah, I was gonna say, because you would have to focus on the whole recruiting part and everything. So.

• 11:38Speaker 03

  Yeah.

• 11:39Caleb Hammer?

  Yeah, you're gonna have to rely on someone else to bring in. You're gonna be an employee.

• 11:43Speaker 03

  Right. Yeah.

• 11:45Caleb Hammer?

  And you're gonna be able to sustain yourself with that?

• 11:47Speaker 03

  Yeah. I mean, I also do Only on the side too, for a little bit of extra income. So I.

• 11:53Caleb Hammer?

  Is that what pushes you over to be able to pay the bills?

• 11:56Speaker 03

  Not really. I mean, it's kind of gone down a little bit.

• 12:00Caleb Hammer?

  For you or for everyone?

• 12:01Speaker 03

  For, I mean, I don't know about everybody else, but for me, because I I had a whole ordeal with like an Only agency where they kind of like trashed my account.

• 12:12Caleb Hammer?

  What?

• 12:12Speaker 03

  So, I mean, okay, so I started Only back.

• 12:16Caleb Hammer?

  Here's the LA part.

• 12:17Speaker 03

  Yeah.

• 12:18Caleb Hammer?

  This makes more sense.

• 12:19Speaker 03

  So I started Only back in August. And I had the help of my friend who was working for an Only agency. So she actually always told me, don't go to an agency.

• 12:31Caleb Hammer?

  Oh, good.

• 12:32Speaker 03

  Yeah.

• 12:32Caleb Hammer?

  Then let's go to an agency. If one of our close friends works for one and says, don't.

• 12:36Speaker 03

  Yeah. So what happened was I ended up making like 10K that first month. And I was like, oh, well, this is fantastic income. So then it started going down. My friend didn't want to really help me as much anymore. So it was kind of on my own at that point. And I was like, well, I don't want to do this on my own. So that's why I went to an agency, because I was already giving like her a cut and my other friend a cut to kind of help me with the account. So I was like, I mean, if they're not helping me, like, it's not going to be any real like difference. Like, I was already giving a percentage away. So I was like, if I join an agency and they kind of help me run the account, then it's basically the same thing.

• 13:19Speaker 03

  It's just not my friends. So in December, I decided to go with the first agency. Didn't work out because they were really bad at communicating and they were taking about.

• 13:34Speaker 03

  They were taking thirty-five percent of what I was making, but they weren't really doing anything. So that's when my income from that started to go down a little bit.

• 13:45Caleb Hammer?

  What are they supposed to be doing?

• 13:46Speaker 03

  They're supposed to be marketing and like promoting and running the account like chatting and stuff. So they, all they were basically doing was chatting. And so, I mean, I thought they were gonna help me with the promotion, which would get the traffic in. But then they weren't bringing traffic in, so they weren't really making money.

• 14:06Caleb Hammer?

  What's a chatter?

• 14:07Speaker 03

  A chatter, so typically it's someone, when it's a part of an agency, a lot of the time it's someone from overseas who is chatting pretending to be you. So they're talking to-

• 14:19Caleb Hammer?

  So a dude's getting off to, an Indian dude?

• 14:23Speaker 03

  Mm-hmm. Yeah. Pretty Indian, or I think a lot of the time they're from the Philippines. I've, I've heard that a lot. I don't know, cuz they never let me talk to the chatters, so I-

• 14:36Caleb Hammer?

  You can't talk to the people doing your own inbox?

• 14:39Speaker 03

  Nope.

• 14:39Caleb Hammer?

  Okay, sorry, go on.

• 14:41Speaker 03

  So I ended up ending it with that agency. I found another one that was like, I'm gonna make you so much money. I'm gonna make you like thirty K within the first two months. And like, I mean, I took it with a grain of salt, but I was like, okay, well hopefully these people have it a little bit more under control than the last people did. And he was better at talking to me. All of a sudden though, then he stopped talking to me too, and then he called me and was like, hey-

• 15:09Caleb Hammer?

  He, he is an agency?

• 15:11Speaker 03

  Yeah, so I only spoke to one person. I only spoke to one person. Yeah, so-

• 15:17Caleb Hammer?

  Okay.

• 15:18Speaker 03

  My judgment, I don't know. I can't, I couldn't tell you about my better judgment. But, so he ended up calling me one day and said, "Our office caught on fire."

• 15:29Speaker 03

  So we're not able to support you anymore. We're gonna send you over to another agency. And so then now I'm on my third agency and this agency, they ended up, um, it was one main guy in charge of it. And then I had like a team. So this was the first time that I had like a full team that I was like talking to, like a social media person and the CEO and just like the person who was in charge of chatting. So the communication was better, but they still weren't really making me money. Like they weren't promoting me. They ended up like,

• 16:12Speaker 03

  so, so I have like an alias on Only and so yeah, I have a fake name on Only

• 16:21Caleb Hammer?

  Okay.

• 16:23Speaker 03

  And um, they ended up sending out a shout out, the only shout out that they ever sent and they sent out like my actual name. So

• 16:32Caleb Hammer?

  Okay.

• 16:32Speaker 03

  Yeah. So I told them, hey, like, I need you guys to take that down. It was up for like maybe an hour and a half, I think. So it wasn't up for that long, but it was up long enough that like there were people who saw it. So then they took that down. After that, they really like, weren't really talking to me. Like I was like, hey, like, do you guys need anything from me? And

• 16:57Caleb Hammer?

  How much are you making?

• 16:59Speaker 03

  So I was making 2,000 with them. Before I even joined with agencies, I was making like 5,000 a month.

• 17:08Caleb Hammer?

  What the fuck are you doing? Okay.

• 17:10Speaker 03

  So then I joined the agencies and like, they got me like 2,000, 1,000, like, it really, it really shot it down a lot. At one point, Um, there was a guy who messaged in the inbox and was like, hi, so and so, and used my like, real name. And the chatter was like, oh, hi, like, didn't shut it down at all. And then the guy was like, you're so easy to find on the internet. Like, you're, you're so actually easy to like, find. And the chatter totally just was like, egging it on. And he was

• 17:51Speaker 03

  like, hey, how would you like it if I took your photos for you and helped promo you on another site? And the chatter said, yeah, that'd be cool. And no one talked to me about it. No one got my permission to do that. Like, he had like, my identity. Like, he was ready to post like, everything real about me on this random site. And so then he did. And the company, the agency that I was with, they didn't tell me. All they did was they blocked the guy, and then they-

• 18:27Caleb Hammer?

  Is this a long-winded way of saying you don't make that much right now?

• 18:31Speaker 03

  It is, but-

• 18:32Caleb Hammer?

  How much do you make, what?

• 18:34Speaker 03

  No, I want to finish the story. So, um, what happened after that? Now I lost my train of thought. Um, so, where did I leave off?

• 18:45Caleb Hammer?

  A dude posted boobies online, you guys got it taken down?

• 18:47Speaker 03

  Yes. It got taken down two days later. What they did was they blocked the guy, and they removed the chat, and then they tried to pretend like it didn't happen. And so, I tried to get a lawyer-

• 18:58Caleb Hammer?

  Yeah, notoriously good. OF agencies, that's who we should trust. Okay, yep.

• 19:02Speaker 03

  Listen, I thought they were gonna make me money. But, they didn't. So, I tried to get like, a lawyer and everything involved, and that didn't end up working out because lawyers are expensive. And, um, so, I never fully like, they, they just started ignoring me. So-

• 19:20Caleb Hammer?

  So then, at this point, how much do you make a month off this?

• 19:23Speaker 03

  Off of this, nothing. They ruined my account.

• 19:26Caleb Hammer?

  You do nothing?

• 19:26Speaker 03

  Yeah, they ruined my-

• 19:27Caleb Hammer?

  Well, how, how long has it been since you've stopped using them?

• 19:30Speaker 03

  Like, a month.

• 19:32Caleb Hammer?

  Oh, very fresh. Okay.

• 19:33Speaker 03

  Yeah.

• 19:34Caleb Hammer?

  Okay. I mean, are you posting?

• 19:38Speaker 03

  No.

• 19:39Caleb Hammer?

  You're not gonna make money if you don't fucking post.

• 19:41Speaker 03

  I know. I fell off of it because I was like, so...

• 19:44Caleb Hammer?

  Well, yeah, you got fucked by the agency.

• 19:46Speaker 03

  Yeah. And that, it kinda just turned me off to the whole thing. Do I want to keep doing it? Yeah, I do.

• 19:51Caleb Hammer?

  Do you? Well, there you go. Then you do. I don't know.

• 19:54Speaker 03

  Yeah. I just like, I'm now so in the habit of not going on the account because people were on my account for so long that I just fell out of it.

• 20:01Caleb Hammer?

  I can't believe I'm gonna fucking give a tutorial on how to, uh, do this.

• 20:06Speaker 03

  I know how to do it.

• 20:07Caleb Hammer?

  Here's the thing. It's a business.

• 20:10Speaker 03

  Yes.

• 20:11Caleb Hammer?

  You gotta produce the product for the business to work.

• 20:14Speaker 03

  Yes.

• 20:14Caleb Hammer?

  You gotta have a little bit of drive. I'm not even saying you should, but I'm just saying if it is your choice to do that, whatever, I don't give a fucking consent to adults, whatever.

• 20:22Speaker 03

  Yeah.

• 20:23Caleb Hammer?

  Then you gotta fucking put in effort. It's like, I'm not gonna, listen, you, you got two, how long were you in the two agencies? Combined?

• 20:31Speaker 03

  Say, wait, whoa.

• 20:32Caleb Hammer?

  Both agencies combined. How long were you there?

• 20:34Speaker 03

  Like, two or three months. Three months.

• 20:39Caleb Hammer?

  That whole thing was three months? Those two, both agencies? So you went from 5,000?

• 20:45Speaker 00

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• 21:15Caleb Hammer?

  A month to zero in three months?

• 21:17Speaker 03

  Mm-hmm.

• 21:17Caleb Hammer?

  Okay, then you could, you could ramp if you wanted to.

• 21:20Speaker 03

  Yeah.

• 21:21Caleb Hammer?

  Then I, I'm like, okay, learning lesson. It wasn't a multi-year process.

• 21:25Speaker 03

  Yeah.

• 21:25Caleb Hammer?

  Those three months. Okay, that's a slap on the wrist. Who gives a fuck?

• 21:28Speaker 03

  Yeah.

• 21:29Caleb Hammer?

  And do you even want to? Or are we trying to get into dog grooming? Is this gonna impact our dog grooming career?

• 21:34Speaker 03

  I don't think it's gonna impact the dog grooming career. I think that's, that's a big reason why I want to go into it is because I'll have like the time for only at night and then I'll have the dog grooming in the daytime.

• 21:48Speaker 03

  So

• 21:48Caleb Hammer?

  Fine, dude, yeah, okay.

• 21:50Speaker 03

  And I don't, I mean, I don't think

• 21:51Caleb Hammer?

  Someone from LA, yes, okay.

• 21:53Speaker 03

  I don't think the dog groomer cares.

• 21:55Caleb Hammer?

  Everyone's showing their tits in LA, I know.

• 21:57Speaker 03

  Yeah.

• 21:58Caleb Hammer?

  That's, everyone pays rent there, I guess.

• 22:01Speaker 03

  Yeah.

• 22:03Caleb Hammer?

  I mean, listen, there's the simple, if you're not doing it, you're not making money. I'm not gonna encourage you doing that, or disencourage, I don't give a It's just, it's weird in this situation, but it's like, I'm not surprised, I mean, if you wanna make money, then Fucking make money, dude.

• 22:21Speaker 03

  Right, yeah, no.

• 22:22Caleb Hammer?

  What are we doing?

• 22:24Speaker 03

  Yeah, I mean, I had one guy who was a bigger spender, and now he's off of Only It really has just gotten to be a lot more

• 22:34Caleb Hammer?

  Well, how much of your 5,000 a month is from him?

• 22:36Speaker 03

  Oh, man, I think he's given me like 20K.

• 22:39Caleb Hammer?

  Okay, so what are you actually making 5,000, or were you just having one special donor?

• 22:44Speaker 03

  Oh, that's a good question.

• 22:46Caleb Hammer?

  Oh, come the

• 22:47Speaker 03

  No, no, no, no, in the very, very beginning, in the very beginning, I

• 22:52Caleb Hammer?

  What's the very beginning?

• 22:53Speaker 03

  August, September, August, September.

• 22:56Caleb Hammer?

  Fucking three fourths of a year ago.

• 22:58Speaker 03

  Yeah, so I had one person.

• 23:03Caleb Hammer?

  Is this just you and your girlfriend?

• 23:05Speaker 03

  No, it's just me.

• 23:06Caleb Hammer?

  Okay.

• 23:07Speaker 03

  Like, on Only

• 23:07Caleb Hammer?

  Just like posting pictures?

• 23:09Speaker 03

  Yeah.

• 23:10Caleb Hammer?

  Okay.

• 23:11Speaker 03

  I mean, I had a guy who wanted it, so

• 23:14Caleb Hammer?

  Yes, yes, yeah, sure.

• 23:16Speaker 03

  Yeah, cuz I made like 9K that first month, so 9 or 10K, I can't remember. But most of that was from him, but I did have other people coming in. It wasn't just him, but now he's gone too. So now I really just don't have, like, I just, it's kinda like working from the bottom up again.

• 23:39Caleb Hammer?

  I know you like free things and I'm giving some things away for free right now. And let me show you how to get it. First, I'm giving you a limited edition financial audit Tumblr, plus a 30 day trial of simpler budget premium to new users when you buy my four class bundle. And this trial is normally only 14 days, but I'm doubling it just for those purchasers. And do you just want one class? No worries, you'll still get access to that 30 day simpler budget trial. And act now because we're winding down our intro pricing at midnight on April 23rd. So this is the best price you'll ever see on these classes. So if you're feeling stuck or intimidated by your finances, you're not alone. And now is the best time to get started.

• 24:24Caleb Hammer?

  Grab your free limited edition Tumblr, sit back and finally take control of your financial future. Or don't, and you can end up right here.

• 24:36Speaker 03

  What?

• 24:37Caleb Hammer?

  I have no sympathy. Yes, you have to do business if you're going to make money. You have to actually do, if I don't film here and I do nothing, the business isn't going to make money. If you don't produce a product, like a budget app or something, the business isn't going to survive. Like what? What am I supposed to say to that? Okay, so now you make like, what is your account on a monthly basis?

• 24:56Speaker 03

  From only?

• 24:57Caleb Hammer?

  From everything.

• 24:58Speaker 03

  From everything.

• 24:59Caleb Hammer?

  OF is zero.

• 25:00Speaker 03

  Yeah, so monthly for?

• 25:04Caleb Hammer?

  Is this 30 hours a week, right?

• 25:06Speaker 03

  Yeah.

• 25:06Caleb Hammer?

  How much?

• 25:07Speaker 03

  Uh, 26.

• 25:11Speaker 03

  Like 25?

• 25:12Caleb Hammer?

  Okay, great.

• 25:13Speaker 03

  2500, let's say that.

• 25:15Caleb Hammer?

  So nothing for LA?

• 25:17Speaker 03

  Yes, nothing for LA.

• 25:18Caleb Hammer?

  You rely on your girlfriend's mommy?

• 25:21Speaker 03

  I mean.

• 25:22Caleb Hammer?

  You rely on your girlfriend's mommy?

• 25:24Speaker 03

  No.

• 25:27Speaker 03

  No.

• 25:27Caleb Hammer?

  What, she subsidizes your living situation? You wouldn't be able to live in the city that you're in if it wasn't for mommy.

• 25:33Speaker 03

  Yeah.

• 25:34Caleb Hammer?

  Yeah.

• 25:36Speaker 03

  Yeah, yeah. No, I mean, I feel like

• 25:42Speaker 03

  all she, all she does is pay HOA. Like, we're basi- she does, she's just not making anything off of us.

• 25:48Caleb Hammer?

  The house?

• 25:49Speaker 03

  I, I don't remember.

• 25:50Caleb Hammer?

  Exactly. It's not that thing. If you paid market rent, you would be paying higher rent. Doesn't matter if you're covering the mortgage. Maybe she got the mortgage 20 years ago. I don't know.

• 25:57Speaker 03

  Yeah, okay.

• 25:57Caleb Hammer?

  And is it just her mom?

• 25:59Speaker 03

  Yes.

• 25:59Caleb Hammer?

  You look like a mommy's girl. Your mom doesn't provide any benefit to you?

• 26:02Speaker 03

  My mom?

• 26:03Caleb Hammer?

  Yeah.

• 26:03Speaker 03

  Yeah, sometimes.

• 26:07Caleb Hammer?

  Oh, there you go. See, what? What? What do you get from your mommy? This is a mommy household. Just funnel mommy. Mommy, so I can play with boobies online.

• 26:18Speaker 03

  I love my mom. Like, my mom's like my best friend.

• 26:21Caleb Hammer?

  I love my mom too. She doesn't fund my lifestyle.

• 26:23Speaker 03

  She doesn't fund my lifestyle either.

• 26:25Caleb Hammer?

  What does she get?

• 26:26Speaker 03

  She gives me money for food sometimes. And she helps with gas.

• 26:29Caleb Hammer?

  You tit. That is what, that is funding your lifestyle because you have to eat in order to live.

• 26:34Speaker 03

  Yeah.

• 26:35Caleb Hammer?

  So you being able to go spend money on all this other stuff because you don't have to pay for food because mommy pays for food. Yes, she is funding your lifestyle. What are you talking about?

• 26:43Speaker 03

  I mean, she gives me like $40 like every two weeks.

• 26:46Caleb Hammer?

  Like, it's still, it's still money.

• 26:48Speaker 03

  It's like Starbucks.

• 26:50Caleb Hammer?

  Okay.

• 26:50Speaker 03

  I, I, I really try to do everything for myself. I really do.

• 26:55Caleb Hammer?

  Try, but then we get subsidized by girlfriend's mommy and then mommy pays for our both. Okay.

• 27:00Speaker 03

  Yeah. I mean, I'm an only child, so I, it's just my mom and me. My dad's not here anymore, so it's just my mom and me, so.

• 27:09Caleb Hammer?

  Where is she?

• 27:10Speaker 03

  In Lakewood.

• 27:11Caleb Hammer?

  I don't, I don't, is that a part of LA?

• 27:13Speaker 03

  Yeah, it's a part of LA.

• 27:14Caleb Hammer?

  Yeah, not everyone's in LA.

• 27:15Speaker 03

  I, yeah.

• 27:16Caleb Hammer?

  Not everyone knows what a Lakewood is. There's a Lakewood in every city.

• 27:20Speaker 03

  Yeah.

• 27:20Caleb Hammer?

  Basically.

• 27:20Speaker 03

  That's true.

• 27:21Caleb Hammer?

  Okay.

• 27:21Speaker 03

  No, yeah, she's, she's, yeah, she's, so she's like 30 minutes from me.

• 27:25Caleb Hammer?

  Good. Okay.

• 27:26Speaker 03

  Yeah.

• 27:26Caleb Hammer?

  So she's aggressively spoiling you and not allowing you to grow up, both moms.

• 27:32Speaker 03

  I mean,

• 27:32Caleb Hammer?

  Yes. Where do you think your finances are zero to 10? Zero being the worst, 10 being the best?

• 27:38Speaker 03

  Probably like a two.

• 27:39Caleb Hammer?

  Yeah.

• 27:40Speaker 03

  Yeah.

• 27:41Caleb Hammer?

  If you want your Hammer financial score, go to CalebHammer.com or click the link in the description below. Take the assessment and see where you stand. And if you want to come on the show and you're from anywhere, do anything, apparently, you can go to CalebHammer.com/apply and we'd be happy to look at your application and have you down here in Austin, Texas, where there's probably a Lakewood somewhere. Okay, alright.

• 28:03Speaker 03

  You guys have good rent here.

• 28:05Caleb Hammer?

  Yeah, better rent. Well, actually, rent fell substantially because we actually allow people to build housing on like unproductive cities like Los Angeles.

• 28:13Speaker 03

  Yeah.

• 28:14Caleb Hammer?

  Okay, above lending.

• 28:16Speaker 03

  Okay.

• 28:17Caleb Hammer?

  What's going on here? What even is above lending?

• 28:21Speaker 03

  So.

• 28:21Caleb Hammer?

  I don't know this account.

• 28:22Speaker 03

  That is my loan for all of the credit cards that I had. I had consolidated. I did. I consolidated my debt back in.

• 28:31Caleb Hammer?

  Guess where this is gonna end?

• 28:33Speaker 03

  Okay, do you want to guess? Or can I keep going?

• 28:35Caleb Hammer?

  Still, keep going.

• 28:37Speaker 03

  Okay, so I consolidated my debt back in November of 2023. I had a lot of credit cards.

• 28:50Speaker 03

  And so then in March, I think it's been a year, they had contacted me and they were like, oh, well, do you want us to

• 28:59Speaker 03

  just give you a loan to pay off the consolidation and then you can just pay off the loan? And I was like, yeah, that sounds much better because it ruined my credit score, like the consolidation and everything. So I.

• 29:11Caleb Hammer?

  Okay.

• 29:12Speaker 03

  Yeah, so then this loan paid off the consolidation.

• 29:17Caleb Hammer?

  You're consolidating a consolidation of credit cards you couldn't control. Great.

• 29:20Speaker 03

  Yeah.

• 29:20Caleb Hammer?

  This is obviously shaping up to be demonstrate that you are a very responsible person with money?

• 29:27Speaker 03

  Yeah, I mean, it started when I was 18, like.

• 29:30Caleb Hammer?

  Always does. That's when you can get credit. Oh, look at me. I'm a unique 18 year old.

• 29:34Speaker 03

  Yeah.

• 29:34Caleb Hammer?

  That's what happens with everyone. Sorry, I'm being a dick, okay?

• 29:37Speaker 03

  No, I mean.

• 29:37Caleb Hammer?

  That's what happens with everyone. Like, don't try to make that like a unique situation.

• 29:41Speaker 03

  No, you know what?

• 29:42Caleb Hammer?

  Go on.

• 29:43Speaker 03

  Um, so yeah, I got all of these credit cards. I think I had like five or six, um, all from ages eighteen to twenty. So they totally.

• 29:52Caleb Hammer?

  It is actually a lot to open in the, in just those two years for what it's worth.

• 29:56Speaker 03

  Yeah, I'm, I mean, I'm not, not saying I'm good with.

• 29:59Caleb Hammer?

  What were you doing?

• 30:00Speaker 03

  Um, I had like a Victoria's Secret credit card that I like blasted. I maxed out.

• 30:06Caleb Hammer?

  What is blasted?

• 30:09Caleb Hammer?

  People in your industry blasting, getting blasted, something different. I don't know.

• 30:15Speaker 03

  Anyway, so yeah, I maxed out that card. Um, it all started there. That was my, that was my, uh, my opening to credit cards.

• 30:25Caleb Hammer?

  The rest of the credit cards, what were you doing?

• 30:27Speaker 03

  I was.

• 30:28Caleb Hammer?

  Max out, open, max out, open, max out, open.

• 30:32Speaker 03

  Pretty much.

• 30:33Caleb Hammer?

  Spending on, were you actually working, going to college? What were you doing? Cause that is an insane amount of credit cards in just two years.

• 30:40Speaker 03

  I went to college for one year and then.

• 30:43Caleb Hammer?

  Put your life on a credit card?

• 30:45Speaker 03

  Yeah. I mean, there were different uses for different credit cards for sure. I think I got, cause like I had my Discover card and that was like a $10,000 limit. I don't know. Who thought that was a good idea, but.

• 31:00Caleb Hammer?

  They wanted to give you $10,000 for you to spend $10,000 so they could charge 30% on that $10,000.

• 31:06Speaker 03

  Yeah.

• 31:07Caleb Hammer?

  It was a product.

• 31:08Speaker 03

  Yeah. Okay, but yeah, so I don't remember exactly what I spent that on, but I'm almost positive it was probably just like unnecessary items like clothing and probably food came into there. I, I spent a lot on food because I don't, okay.

• 31:26Caleb Hammer?

  I just realized you're 28. Why did you start? People sometimes like turn 18, immediately get on that OF train when it comes to agencies. Like those agencies just like, wait, and then they're like, oh, 18, ah.

• 31:38Speaker 03

  Yeah.

• 31:39Caleb Hammer?

  You started decently late for someone. Why'd you start so late? Like, why randomly did you start this? Like literally becoming an online person working in diddling.

• 31:52Speaker 03

  Um, so I had always kind of like, I don't think I knew about it when I was 18, but.

• 31:58Caleb Hammer?

  I don't know if it existed when we were 18.

• 32:00Speaker 03

  Yeah.

• 32:01Caleb Hammer?

  You.

• 32:01Speaker 03

  But.

• 32:02Caleb Hammer?

  I'm two years old. I'm sorry.

• 32:06Speaker 03

  But um, I think it got to a point where my savings were like super duper low.

• 32:13Caleb Hammer?

  Oh, see, that's what I don't like. I'm looking at going, doing whatever the fuck you want, as long as it's not like harming someone else, which someone argued that it actually does. But either way, uh, I'm okay with consenting adults doing consenting adult things.

• 32:28Caleb Hammer?

  I don't like the fact that you got pulled to it out of desperation of finances. And yet you want to, you want to go back? Or do you feel financially desperate to need to go back?

• 32:40Speaker 03

  That's a fantastic question. Um.

• 32:46Speaker 03

  I pulled back into it out of just needing money.

• 32:51Caleb Hammer?

  Okay, so you don't actually want to go full booby on the nippy on the display?

• 32:56Speaker 03

  Not necessarily. It's not something.

• 32:58Caleb Hammer?

  Okay, then don't. Let's get you away from it then.

• 33:00Speaker 03

  Yeah, I mean.

• 33:01Caleb Hammer?

  I will, I will help people do whatever they want to do, but if you want to get away from that, let's look away from that then.

• 33:08Speaker 03

  Mm hmm.

• 33:10Speaker 03

  Yeah, I mean, ideally, it's not something I want to do forever. It's definitely like, it has its fun moments. It was fun when I was making money, but when I'm not, it's like.

• 33:20Caleb Hammer?

  Yeah, I mean, it's always exhilarating something when you're making money, but do you want to be making money from flaps or money from shaving dogs?

• 33:27Speaker 03

  Shaving dogs.

• 33:28Caleb Hammer?

  Yeah, so let's focus on that then.

• 33:29Speaker 03

  Yeah.

• 33:30Caleb Hammer?

  Let's let that be the career track.

• 33:31Speaker 03

  Yeah.

• 33:32Caleb Hammer?

  Okay.

• 33:33Speaker 03

  I would rather that.

• 33:34Caleb Hammer?

  See, that's something completely different. That is a different direction for the conversation then, because I'd rather get you away from that industry that can be very toxic.

• 33:42Speaker 03

  Hmm.

• 33:43Caleb Hammer?

  Very exploitive as well.

• 33:45Speaker 03

  Yeah.

• 33:47Caleb Hammer?

  Okay, so consolidate for a consolidate. I mean, it's fifteen thousand, five hundred, eight dollars and thirty-three cents. This is unfortunately, when you make these choices and being just stupid with our money, it pushes you into the dark corners like that.

• 33:58Speaker 03

  Right.

• 33:58Caleb Hammer?

  That's what I don't want you to do. What's the minimum monthly payment for this? What is the interest on this? Like, what is anything it doesn't say?

• 34:03Speaker 03

  Um, so the minimum payment is two twenty a month. It just automatically comes out of my account.

• 34:08Caleb Hammer?

  Which is brutal for two thousand, five hundred dollars a month is what we're making.

• 34:12Speaker 03

  Yeah.

• 34:12Caleb Hammer?

  Uh, okay, so.

• 34:14Speaker 03

  So actually, no, but it's every two weeks. So altogether.

• 34:17Caleb Hammer?

  Two twenty every two weeks?

• 34:18Speaker 03

  Yeah.

• 34:19Caleb Hammer?

  Oh, this is a. This is a

• 34:22Speaker 03

  Yeah.

• 34:22Caleb Hammer?

  This is a for the year 2500. 2500, that's 18%.

• 34:28Speaker 03

  Yeah.

• 34:29Caleb Hammer?

  $440 a month.

• 34:30Speaker 03

  $440 a month.

• 34:32Caleb Hammer?

  What is the interest?

• 34:33Speaker 03

  That I actually don't.

• 34:35Caleb Hammer?

  Come on. So they sold you? Who sold you? You got consolidated and then someone sold you?

• 34:40Speaker 03

  Yeah.

• 34:40Caleb Hammer?

  Then to a higher interest product, probably?

• 34:43Speaker 03

  Probably. I, I don't know the interest. I'm going to be so honest with you.

• 34:51Speaker 03

  It's, it's taken me a minute to even understand interest. Like, it took me until I-

• 34:56Caleb Hammer?

  27.39%. You're not even saving money from a credit card. It's the same kind of interest rate as a credit card.

• 35:03Speaker 03

  Yeah. But-

• 35:05Caleb Hammer?

  So what was the intention here? Well, yeah, what was your desired intention here?

• 35:10Speaker 03

  Like with the lend? Or the loan, I mean?

• 35:13Caleb Hammer?

  Yes. What were you trying to do?

• 35:15Speaker 03

  I, I just wanted it to be one, one payment. I can't do, I forget. I forget to make payments.

• 35:23Caleb Hammer?

  Forget. Put it on autopay.

• 35:25Speaker 03

  I, yeah, I-

• 35:26Caleb Hammer?

  Okay, you don't get to leave here.

• 35:28Speaker 03

  Okay.

• 35:28Caleb Hammer?

  Just like everyone else is on the show without downloading the simpler budget app. If you can't manage a single payment, you have to, at minimum, know where all your money is going on a monthly basis. It's literally automated. Interact with the community in there. It's people holding each other accountable. You get premium forever. You guys get a multi-week trial. And for those who sign up for the annual version, I'll send you a signed copy of the cookbook and the simpler budget journal as well. I'll sign them both and send them directly to you. But you do not leave until you sign up for that. Cause I mean, the fact that you couldn't like handle payments, even though you may have actually been saving more money, I don't know. We can figure out the math, but at that point,

• 36:11Caleb Hammer?

  you, I mean, you just can't be responsible enough to handle accounts.

• 36:17Speaker 00

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• 36:43Caleb Hammer?

  You can't be.

• 36:45Speaker 03

  Yeah.

• 36:45Caleb Hammer?

  Cause even, even, even if I get you on the Fizz card, which a lot of people do. I mean, even that, I mean, you're still gonna have to make a payment. It just, it doesn't allow you to spend what's over your checking account, but you, but you still have to make a payment and I can't trust you to do that. Okay.

• 37:02Speaker 03

  I mean, I feel like if it's one payment, I'm good. If it's one.

• 37:08Caleb Hammer?

  It's one for one and then you have another, then you have another. I mean, it just constantly becomes multiple one payments, then you have a payments.

• 37:15Speaker 03

  Exactly. Yeah.

• 37:18Speaker 03

  But it just feels better with it just being two twenty. I don't have to log into like Victoria's Secret and Michael's and Care Credit. And like it, it's so, I have too many. It, it was overwhelming. This made it a little less overwhelming. In my.

• 37:36Caleb Hammer?

  Yeah, but why'd you consolidate the consolidate?

• 37:39Speaker 03

  Uh, it.

• 37:43Speaker 03

  I mean, it. It seemed like, no, it seemed like a quicker. It seemed like a quicker thing. It would, I would be able to pay it off faster.

• 37:55Caleb Hammer?

  Were you?

• 37:56Speaker 03

  I mean, I'm still paying it off.

• 37:57Caleb Hammer?

  I mean, it's a thirty percent interest rate essentially. So.

• 37:59Speaker 03

  Yeah.

• 38:00Caleb Hammer?

  I mean, we know what comes in. How much did you spend last month?

• 38:02Speaker 03

  Last month on.

• 38:04Caleb Hammer?

  Everything.

• 38:05Speaker 03

  Everything.

• 38:06Caleb Hammer?

  Including debt.

• 38:07Speaker 03

  I want to say at least three thousand, at least, but I.

• 38:11Caleb Hammer?

  So you're okay with spending more money than you make, probably because both mommies support you. Okay? It was also five thousand, six hundred seventy-two, so.

• 38:20Speaker 03

  Five thousand, six hundred and seventy-two?

• 38:21Caleb Hammer?

  Five thousand, six hundred seventy-two.

• 38:23Speaker 03

  Oh, that was my, that was.

• 38:26Caleb Hammer?

  Do you care?

• 38:27Speaker 03

  Oh, I absolutely care.

• 38:29Caleb Hammer?

  Then why the did you do it?

• 38:30Speaker 03

  I.

• 38:33Caleb Hammer?

  Then why would you not know?

• 38:36Speaker 03

  I, I just have a hard time managing. I have a hard time like.

• 38:39Caleb Hammer?

  Why? Tell me how you manage.

• 38:41Speaker 03

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

• 38:45Caleb Hammer?

  Because we really care.

• 38:47Speaker 03

  I do.

• 38:48Caleb Hammer?

  So we just don't.

• 38:49Speaker 03

  I mean, cause like there are different areas in which I'm better at the money.

• 38:54Caleb Hammer?

  What are you good at?

• 38:55Speaker 03

  I have like a savings account specifically for summer, like how I said I.

• 39:01Caleb Hammer?

  For summer. Yeah, maybe that pays off the fucking day and you don't take summer off your tit. Okay. For fuck's sake. You, okay, okay, okay. What else? What else? What else?

• 39:10Speaker 03

  I mean.

• 39:11Caleb Hammer?

  What else? What else are we good at? You're only able to save up for fun, but you're not able to actually take, pay off the bad. Okay.

• 39:19Speaker 03

  Yeah.

• 39:19Caleb Hammer?

  What else? What are you good at?

• 39:21Speaker 03

  Um.

• 39:24Caleb Hammer?

  Oh, come on. What?

• 39:26Speaker 03

  Well, now I'm second guessing myself. I don't, um, I mean, I think that I'm good. Like I, I calculate everything that I'm gonna make every month. I, I calculate my hours and I try to like lay it out.

• 39:41Caleb Hammer?

  But that means nothing without knowing your fucking spending.

• 39:44Speaker 03

  Yeah. That's, that's my problem. That's my problem with having a savings account is because I just constantly pull out of it. It's not actually a savings account.

• 39:52Caleb Hammer?

  Okay. So what the fuck? So it's, okay.

• 39:58Caleb Hammer?

  All right. Well, let's talk about something most people ignore. Your old 401k. Yep. That retirement account from your last job that's just sitting there collecting dust. And before you say, oh, I'll deal with it later, let me hit you with the reality. 25% of all 401k assets are lost or forgotten, and that's real money just floating around because rolling it over can be a nightmare. Calling your old employer, digging through paperwork, maybe even dealing with a physical check. Who's the, who still uses those? But lucky for you, today's sponsor, Capitalize, makes rolling over your 401k into an IRA stupid easy. Here's how it works. First, Capitalize helps you find your old 401k. You don't know where it is? They'll track it down. Second, pick the IRA that works best for you, whether that's the new one or one that you already have.

• 40:43Caleb Hammer?

  Third, Capitalize takes care of the entire rollover process, so you don't have to. No questions, no endless phone calls, just expert guidance so you can reclaim your money. So if you've got an old 401k, just sit it around, do your future self a favor, roll it over to today with Capitalize. Click the link in the description below to get started. Let's get back to the video.

• 41:05Caleb Hammer?

  Okay.

• 41:13Caleb Hammer?

  Alright.

• 41:15Caleb Hammer?

  Michael's card, crap, Michael's card? Sake, I've never even seen a Michael's card.

• 41:20Speaker 03

  Yeah, I had no idea that they had them.

• 41:22Caleb Hammer?

  Never seen.

• 41:24Speaker 03

  But that first purchase, I got 20% off because I got it.

• 41:29Caleb Hammer?

  This is so stupid. Well, on your first purchase?

• 41:31Speaker 03

  Yeah.

• 41:34Speaker 03

  20% off?

• 41:35Caleb Hammer?

  Yeah!

• 41:37Speaker 03

  It was nice.

• 41:37Caleb Hammer?

  Listen, you were at 286, you could have paid that off.

• 41:41Speaker 03

  I know. That was my full intention.

• 41:46Caleb Hammer?

  Not your full intention, or else it would have probably happened. It's probably like a quarter intention. You made a minimum payment and then you just...

• 41:53Speaker 03

  Then I forgot to pay one. Yeah, and I forgot to pay one. And then, yeah, I forgot to pay.

• 41:59Caleb Hammer?

  When? Why?

• 42:01Speaker 03

  That is why I'm saying...

• 42:03Caleb Hammer?

  Sake!

• 42:03Speaker 03

  That is...

• 42:04Caleb Hammer?

  Hey, hey, if you knew that and you had to consolidate it for it, then why the did you open this card?

• 42:08Speaker 03

  I...

• 42:09Caleb Hammer?

  If you know this, you are self admitting this flaw. So don't do it. Don't do it! When I know I fucking, if I know I have Oreos in my house, I will slam them down, then I don't get Oreos!

• 42:23Speaker 03

  Yeah.

• 42:24Caleb Hammer?

  Why are you getting this?

• 42:26Speaker 03

  I... I just... I really, I really wanted something from Michael's and I just didn't want to spend...

• 42:33Caleb Hammer?

  So buy it with your money!

• 42:35Speaker 03

  I didn't want to spend like my actual money.

• 42:38Caleb Hammer?

  You only got 20% off, but this is, this is, this is, because then you're having interest, whatever 20% you've immediately lost.

• 42:45Speaker 03

  Yeah.

• 42:45Caleb Hammer?

  Immediately lost.

• 42:46Speaker 03

  Because of the interest, right?

• 42:48Caleb Hammer?

  Yeah, because of the interest.

• 42:49Speaker 03

  Yeah, but I, I just like, I figured it would be better, I like paying things off in increments later. That's why I like doing like Klarna and stuff.

• 42:59Caleb Hammer?

  Wait, no you, no you fucking don't because you can't manage your payments. What are you talking about? You do not like that. You objectively do not like that, because you can't do the, you have admitted you are incapable of doing more payments than one. So how would it make sense to get in all these paying for us? Because you have to make those payments, I don't know if you know that, but you do have to actually pay them?

• 43:18Speaker 03

  Well, I need to, I need to turn on auto pay on that one.

• 43:20Caleb Hammer?

  Yeah, on everything. Why don't you?

• 43:23Speaker 03

  Well, it is on on my Klarnas and stuff, like on my Klarna, my Affirm and that, those are auto payments. There are just like things that I want and I don't necessarily need, but I want them. And that's what I put on the.

• 43:37Caleb Hammer?

  And you want that more than getting out of debt because if that's so, okay, fine. We can, we can, we can call it because good. If that's the life you want to live, that's fine. I'm okay with anyone living the life they want to live. I yell at people and give them the wake up call because they want it. They sign up for it. They want to get out of debt. They want the tools, they want the resources, they want to join the median $10,000.

• 44:00Speaker 03

  Yes.

• 44:00Caleb Hammer?

  Dollars paid off in 10 months that our guests do on the show.

• 44:03Speaker 03

  Yes.

• 44:03Caleb Hammer?

  That's what they want. If you want to spend your money on bull, if that's what you prefer, if that's where your objectives are, if that's what you care about in this world, then go do it. I don't care.

• 44:12Speaker 03

  But I want your help. I, because I, I just have no self-control. I have no self-control and I'm trying to get it.

• 44:20Caleb Hammer?

  Then go open a **** credit card.

• 44:21Speaker 03

  I know, I'm trying to get my **** together. I'm trying. I'm like.

• 44:25Caleb Hammer?

  By spending double what you make.

• 44:27Speaker 03

  Yeah.

• 44:27Caleb Hammer?

  That's trying. That's the word trying.

• 44:30Speaker 03

  Yeah, I mean, I just, I really like to shop, so I, I'm trying to be better, but I.

• 44:36Caleb Hammer?

  By spending double what you make is trying. I'll never understand this. I feel like I have this part of the conversation in every episode. The **** are you talking about? I feel like when people get pushed to the edge, they say, I'm trying. After they get called out on all their bull, their human emotion, human instincts is to say, I'm trying. Are you, are you? I have literally your actual accounts, your literal most recent statements. There is not a single indication of trying. In fact, you consolidated and then you opened a credit card.

• 45:02Speaker 03

  Yeah.

• 45:02Caleb Hammer?

  Didn't make a payment on it. And that is my, I'm trying. What the **** are you talking about? Not gonna baby you. I'm trying. No, you're not. That's a load of bull. That is you trying to get out of being pushed back on. Don't **** with me with your trying.

• 45:22Speaker 03

  I.

• 45:25Speaker 03

  Well, I, I want to be better. I really do. I just like, there are times when I see something that I want and I just need to get it.

• 45:35Caleb Hammer?

  And we budget for wants. Again, you build up the want category and literally you put it automatically goes in there and you know if you've maxed out your want category. I'm okay with the want category. In fact, once people pay off fucking debt and have an emergency fund, I give 30% of people's incomes to wants, which is a substantial amount of money. That's huge. Huge.

• 46:00Speaker 03

  Yeah.

• 46:01Caleb Hammer?

  Great. You're not there.

• 46:04Speaker 03

  Okay. Well, I would love to know how I can get there. Cause I.

• 46:10Caleb Hammer?

  Um, I'll start with don't spend double what you make.

• 46:14Speaker 03

  Okay.

• 46:15Caleb Hammer?

  Don't open a new credit card when you realized you couldn't manage credit cards and you had to consolidate them in the first place. Start with those.

• 46:23Caleb Hammer?

  That's what I've learned so far. I've learned, uh, if you're gonna, you know, do a business, you actually have to participate in the business to make any more, any money. Even though we're not gonna do that anymore. Cause you actually don't want to do that. You just feel like you have to, it sounds like. So we're actually not going to do that.

• 46:41Caleb Hammer?

  Yeah, let's start with those. The most literal, basic things that you were incapable of. It seems for some reason.

• 46:49Speaker 03

  I.

• 46:54Speaker 03

  I mean, I really don't know. I don't.

• 46:56Caleb Hammer?

  You don't know what?

• 46:58Speaker 03

  I don't know what to say. Cause like, I feel like everything.

• 47:00Caleb Hammer?

  Nothing to say.

• 47:01Speaker 03

  Everything that I say.

• 47:02Caleb Hammer?

  This is at a 36% interest rate. That's.

• 47:05Speaker 03

  Which one?

• 47:07Caleb Hammer?

  Michael's.

• 47:07Speaker 03

  Michael's.

• 47:08Caleb Hammer?

  I don't think I've seen a credit card that high. I think that's the highest interest rate credit card I've ever seen on the show.

• 47:12Speaker 03

  Wow.

• 47:13Caleb Hammer?

  And I film a lot of these.

• 47:15Speaker 03

  That is crazy.

• 47:16Caleb Hammer?

  I could be wrong, but I think that is the highest interest rate on a credit card that I have seen.

• 47:22Speaker 03

  Yeah.

• 47:22Caleb Hammer?

  And yes, I think you've had two missed payments this year. Two late payments this year.

• 47:29Speaker 03

  Just since October.

• 47:31Caleb Hammer?

  This year. Do you know what this year is?

• 47:33Speaker 03

  Oh yeah, no, 2025.

• 47:37Caleb Hammer?

  This year didn't start in October.

• 47:39Speaker 03

  No.

• 47:41Caleb Hammer?

  I don't know what they teach at OF school, but it starts in January. Uh, and it's been this year so far, two late parents.

• 47:49Speaker 03

  Does it say how many? Wait.

• 47:55Speaker 03

  Since January, I've had

• 47:57Caleb Hammer?

  Typically with the fees that usually get added from late payments. That's how the math looks. Or they just have, you know, a high late payment fee. I don't know. They have a high interest rate, so maybe.

• 48:10Caleb Hammer?

  I don't know. What did you even buy to open this? What is worth this to you? What is worth all of this to you?

• 48:17Speaker 03

  Um. You know, like the little like Halloween figures that they have at Michael's, like little Halloween town.

• 48:24Caleb Hammer?

  Never been to Michael's.

• 48:25Speaker 03

  So they have like these like. Lemax Halloween town figures that like light up and they're like little houses and stuff.

• 48:33Caleb Hammer?

  You weren't even doing a hobby? Isn't that what Michael's is for for hobby? I thought you were occupying your brain? You're just buying some Halloween town action figures or something?

• 48:42Speaker 03

  I mean.

• 48:43Caleb Hammer?

  G I Joe Halloween towns?

• 48:45Speaker 03

  They're better than G I Joe. I feel like it's like a tradition for me. Mentally, it's a tradition for me.

• 48:51Caleb Hammer?

  A tradition up your finances yearly.

• 48:53Speaker 03

  Sure.

• 48:54Caleb Hammer?

  The year that starts in October.

• 48:56Speaker 03

  It.

• 48:58Speaker 03

  It is a tradition for me because it was always a tradition with my dad, too, that I want to get a new piece every year.

• 49:04Caleb Hammer?

  Does it feel weird to be entering the third quarter of the year when the rest of us are entering the second quarter of the year? Today?

• 49:14Speaker 03

  Yes. I don't.

• 49:23Caleb Hammer?

  Okay, they just gave me a picture.

• 49:27Speaker 03

  So you don't want to know about my Halloween town?

• 49:29Caleb Hammer?

  Decoration?

• 49:30Speaker 03

  Yes.

• 49:31Caleb Hammer?

  So even, is this a decor? It's a shitty looking decorate.

• 49:36Speaker 03

  It's not.

• 49:37Caleb Hammer?

  Cost?

• 49:38Speaker 03

  I mean, each piece is different, like.

• 49:41Caleb Hammer?

  How many pieces did you get?

• 49:42Speaker 03

  I got two this year. I think one was.

• 49:46Caleb Hammer?

  Cost like 300 bucks?

• 49:49Speaker 03

  No, I think it's accrued like I had like the credit limit of 300 and then I spent.

• 49:54Caleb Hammer?

  Dude, your balance is basically 300.

• 49:56Speaker 03

  Yeah, because of the interest, right?

• 50:00Caleb Hammer?

  When did you purchase these?

• 50:01Speaker 03

  October.

• 50:02Caleb Hammer?

  Okay, that makes sense, Halloween.

• 50:04Speaker 03

  Yeah.

• 50:04Caleb Hammer?

  Uh, no, I mean, if you make your minimum monthly payment.

• 50:09Speaker 03

  I guess, yeah.

• 50:10Caleb Hammer?

  It's more than your interest accruing this year so far.

• 50:14Speaker 03

  Yeah.

• 50:14Caleb Hammer?

  I don't know about last year.

• 50:16Speaker 03

  I, I don't.

• 50:16Caleb Hammer?

  Dude, this doesn't make any sense. How much do these action figures cost?

• 50:19Speaker 03

  I, I think they're like, I think they're like a hundred each.

• 50:25Caleb Hammer?

  So you're telling me you've had about a hundred dollars in interest and fees since purchasing these in October?

• 50:30Speaker 03

  I swear, yeah. I, they were not three hundred. I had like a balance afterwards.

• 50:35Caleb Hammer?

  That's not better. That's worse.

• 50:37Speaker 03

  No.

• 50:42Caleb Hammer?

  At a thirty-six percent interest rate. Wonderful.

• 50:51Caleb Hammer?

  Well, that's just about the stupidest credit card I've ever seen.

• 50:55Caleb Hammer?

  That's funny.

• 50:55Speaker 03

  No, I don't think any of it's funny. I just like, what do I do? You're yelling at me, what do I do?

• 51:02Caleb Hammer?

  Do your stupid October spending? Okay. Synchrony.

• 51:12Caleb Hammer?

  It's what it looks like, right? No, Care Credit, Care Credit through Synchrony, okay.

• 51:23Caleb Hammer?

  Did you just fart? Are you having a fart?

• 51:25Speaker 03

  No, my stomach is growling, though.

• 51:33Caleb Hammer?

  Did I just? No.

• 51:43Speaker 00

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• 52:13Caleb Hammer?

  Like dog fart?

• 52:15Speaker 03

  Oh, I'm dead.

• 52:16Caleb Hammer?

  Huh?

• 52:17Speaker 03

  I mean, yeah, probably.

• 52:19Caleb Hammer?

  What?

• 52:19Speaker 03

  That Care Credit probably smells like dog fart, because it's all my dog.

• 52:24Caleb Hammer?

  Oh, this is all your dog?

• 52:26Speaker 03

  Yeah, that's all my dog.

• 52:27Caleb Hammer?

  What is, you cannot afford to get a pet in 2025 if you do not get pet insurance. And it's really as easy as that.

• 52:33Speaker 03

  Well, so I actually, so through VCA, they have like a monthly rate that you use to, it's kind of like insurance, but apparently it's not as good as insurance because then I took my dog to the emergency room and that didn't cover it. So that's why I had to take out the care credit card.

• 52:56Caleb Hammer?

  Is it?

• 52:57Speaker 03

  I, it just covers like doctor fees, I guess. They wanted me to add up like-

• 53:01Caleb Hammer?

  It's the bare minimum. It doesn't cover emergencies. It covers like the annual checkups.

• 53:05Speaker 03

  Yeah.

• 53:05Caleb Hammer?

  Okay, and vaccinations probably.

• 53:08Speaker 03

  Yeah.

• 53:09Caleb Hammer?

  Okay, so $277.34 is the minimum monthly payment of $30. Who wants this?

• 53:15Speaker 03

  That was last month. Yeah, it was beginning of March.

• 53:20Caleb Hammer?

  This is pretty cheap for an emergency visit. What, what even happened?

• 53:23Speaker 03

  So my dog, I just got my dog. So she's like five months now and she's all over the place. Yeah, I want to get pet insurance better than what I have.

• 53:35Caleb Hammer?

  If you can after this trip, I don't know, let's see. No, that's real.

• 53:38Speaker 03

  Um, so she's usually pretty like all over the place. And there was one night when she was just kind of chilling on the couch and I was like, huh, seems like she's growing up, babe. I think, I think she's calming down. And my girlfriend was like, oh yeah, this is like, because my girlfriend hates my dog. So she was like-

• 53:58Caleb Hammer?

  This sounds like an incredible relationship.

• 54:01Speaker 03

  No, it really is. It is a really good relationship. I promise.

• 54:04Caleb Hammer?

  And she hates essentially your guys' like child.

• 54:08Speaker 03

  No, we have three cats too. But, um, so she was on the couch. She was like limp. So I thought my dog was dying. So I ended up taking her into the vet. And the vet took me in and I was like, I think my dog is dying. So she was like, we need to run all these tests. And I was like, I, I can't fucking afford all of these tests.

• 54:30Caleb Hammer?

  Then you shouldn't have a dog.

• 54:31Speaker 03

  Well, it was like these like, because she was, she was high. She got a hold of-

• 54:38Caleb Hammer?

  Couldn't afford the tests, though. So you shouldn't have a dog.

• 54:41Speaker 03

  Well.

• 54:42Caleb Hammer?

  Not well. If you can't afford to take care of the dog, you can't afford the dog.

• 54:45Speaker 03

  Well, I take care of her in every other way.

• 54:47Caleb Hammer?

  This is a pretty important way. I keeping them alive during an emergency?

• 54:53Speaker 03

  Well, yeah, if I had to spend like I have the savings. So like if I had to spend like that $600, I would. It's just like.

• 55:02Caleb Hammer?

  What is in savings?

• 55:04Speaker 03

  And say, like, how much do I have in savings?

• 55:06Caleb Hammer?

  Yeah, you brought that up twice. What is in savings?

• 55:08Speaker 03

  Like 1600. So it's not.

• 55:11Caleb Hammer?

  Okay, you made it sound so much more substantial. That's your summer fund?

• 55:15Speaker 03

  Yeah.

• 55:17Caleb Hammer?

  Good luck. It's not a fucking month fund for you. It's not a half a month.

• 55:22Speaker 03

  Pays for my rent. I was gonna.

• 55:23Caleb Hammer?

  It pays for a third of what you spend last month.

• 55:26Speaker 03

  Yeah, I was gonna.

• 55:27Caleb Hammer?

  So your dog got high because you can't put your weed away.

• 55:32Speaker 03

  Apparently, yeah.

• 55:33Caleb Hammer?

  Yeah, because you're an adult in every instance and every situation.

• 55:38Speaker 03

  Yeah, so she ended up getting high. They ended up just sending us home.

• 55:43Caleb Hammer?

  Everyone on the show, everyone bad with money is either addicted to nicotine or they're fucking smoking weed. How much you spend on a monthly basis?

• 55:50Speaker 03

  I don't smoke it a lot.

• 55:51Caleb Hammer?

  How much you spend?

• 55:53Speaker 03

  Like zero. Like it's like, it's like $50 every few months because I do not smoke that much.

• 55:59Caleb Hammer?

  But you leave it out.

• 56:00Speaker 03

  Yeah. I mean, I don't think she got a hold of like a whole thing. Like I feel like we might have smoked and she like got like a piece. Like it was like a one time thing. Like I don't think it would happen again.

• 56:17Caleb Hammer?

  I hope not.

• 56:18Speaker 03

  Yeah, me too.

• 56:18Caleb Hammer?

  I don't know how you can afford it.

• 56:19Speaker 03

  Yeah.

• 56:22Caleb Hammer?

  What am I looking at here?

• 56:24Speaker 03

  I don't know.

• 56:24Caleb Hammer?

  This is, this looks like a pay and four, but I don't know which one.

• 56:28Speaker 03

  Oh, I think that's after pay. No, that's a firm.

• 56:31Caleb Hammer?

  Yeah, you're overdue.

• 56:33Speaker 03

  In that, yes. Yes. I didn't have.

• 56:38Caleb Hammer?

  You said, I pay all those on time.

• 56:40Speaker 03

  Yeah, I didn't have.

• 56:41Caleb Hammer?

  Is what you said earlier. Yeah, so she changes it like three days before coming on the show. Listen, you led us to believe that you were okay with managing these because you always pay them on time. But there you go. It's completely fucked. You have $528.46. What is this? This fucking Amazon? What is this deferred for eternity? No, open it up because I need to see your current plans. Because you only sent, oh, you, oh, you only sent like the first page of things. I need to see more. I need to see more.

• 57:15Speaker 03

  For Amazon, oh, I'm sure, sure we've added some since then.

• 57:22Speaker 03

  It's not even like letting me.

• 57:23Caleb Hammer?

  Oh.

• 57:23Speaker 03

  I'm sorry, I'm trying. Let me, okay. Here you go. You are, you're welcome to look through this.

• 57:41Caleb Hammer?

  Her balance went up by $250.

• 57:43Speaker 03

  It did. That's from Expedia.

• 57:45Caleb Hammer?

  What?

• 57:47Speaker 03

  To come here.

• 57:49Caleb Hammer?

  Okay, well, at least you get reimbursed for that.

• 57:53Caleb Hammer?

  $759.

• 58:06Caleb Hammer?

  Girl. She doesn't know how to tell the truth, guys. She doesn't.

• 58:14Speaker 03

  What?

• 58:15Caleb Hammer?

  Half of these have auto pay. The other, the other half don't. So good luck paying those on time, because you didn't even know.

• 58:22Speaker 03

  Tell me.

• 58:23Caleb Hammer?

  Amazon, Walmart.

• 58:24Speaker 03

  Walmart is auto pay.

• 58:27Caleb Hammer?

  Nope, nope, literally nope.

• 58:29Speaker 03

  The $66 was, right?

• 58:30Caleb Hammer?

  Nope, it is not. It literally says off.

• 58:34Speaker 03

  Oh, that's, that's ridiculous, because it was on.

• 58:37Caleb Hammer?

  It's off, and I can't trust you, no offense, but at this point, with everything you've said so far, there is no trust. How, dude, your phone's obnoxious. You get just spam, spam, spam every five seconds. Oh, my gosh.

• 58:52Caleb Hammer?

  Okay, your minimum monthly payments on here is $184.41. Use our reimbursement and pay off the Expedia one.

• 58:58Speaker 03

  Yeah.

• 58:59Caleb Hammer?

  This is so stupid.

• 59:01Speaker 03

  I know.

• 59:01Caleb Hammer?

  This is so stupid. While I'm on here, let me look at your subscriptions.

• 59:05Speaker 03

  I don't think I'm subscribed to that many.

• 59:07Caleb Hammer?

  That many.

• 59:09Speaker 03

  Well, I think it's like Google Drive.

• 59:11Caleb Hammer?

  Yeah, and Gmail. Pay for Gmail? I didn't know people paid for Gmail.

• 59:17Speaker 03

  Yeah.

• 59:19Caleb Hammer?

  We've had every image editor and video game in the world.

• 59:24Speaker 03

  Wait, what?

• 59:27Caleb Hammer?

  The things you have subscribed to.

• 59:28Speaker 03

  Like in the past?

• 59:29Caleb Hammer?

  Yeah.

• 59:30Speaker 03

  Yeah.

• 59:31Caleb Hammer?

  Dog training, Guitar Pro tab, things, Apple TV plus. That one is a very worth a subscription.

• 59:37Speaker 03

  The Apple TV?

• 59:38Caleb Hammer?

  Plus.

• 59:39Speaker 03

  Yeah.

• 59:40Caleb Hammer?

  Best streaming service. Let's look at your Amazon orders also while we're here.

• 59:44Speaker 03

  Uh oh.

• 59:45Caleb Hammer?

  Fake eyelashes. Are you wearing them?

• 59:47Speaker 03

  I am.

• 59:51Caleb Hammer?

  Is this pee paper for the dog?

• 59:53Speaker 03

  Yeah, the pee pads.

• 59:54Caleb Hammer?

  Horrible training.

• 59:56Speaker 03

  No, because we live in an apartment, so I'm just trying to get her to go somewhere that's not the floor first.

• 1:00:01Caleb Hammer?

  I raised my dog in an apartment and I did not let him pee inside. And guess what? He never pees inside.

• 1:00:08Speaker 03

  I take her out.

• 1:00:09Caleb Hammer?

  Yeah, but you're allowing her to pee inside. It's not good. Wigs? Are you wearing a wig?

• 1:00:16Caleb Hammer?

  Huh?

• 1:00:17Speaker 03

  My hair wasn't ready for the day.

• 1:00:19Caleb Hammer?

  So you're wearing a wig?

• 1:00:20Speaker 03

  Yes.

• 1:00:21Caleb Hammer?

  What does it look like under that?

• 1:00:23Speaker 03

  Blonde.

• 1:00:25Speaker 03

  I mean, it's greasy right now. Messy.

• 1:00:28Caleb Hammer?

  So is it a prop for the?

• 1:00:31Caleb Hammer?

  OF?

• 1:00:32Speaker 03

  It could be.

• 1:00:33Caleb Hammer?

  Okay. Yeah. Dog graduation cap and gown. Plaid dog dress. No heat overnight curls. Party variety overnight oats overnight pack. Lash claw, more fake lashes. Okay, we get those every second of our lives.

• 1:00:51Speaker 03

  You go fast.

• 1:00:53Caleb Hammer?

  Pen for apple. Dog poop bags, the first one I actually finally support. More lashes immediately. Puppy pee pads, bad, bad, bad. Sling, dog carrier sling?

• 1:01:06Speaker 03

  Yeah.

• 1:01:06Caleb Hammer?

  What dog do you have?

• 1:01:07Speaker 03

  A Pomeranian.

• 1:01:08Caleb Hammer?

  Fake nails. So it just yaps all day?

• 1:01:11Speaker 03

  Oh, yes.

• 1:01:13Caleb Hammer?

  Oh, I could never do that.

• 1:01:14Speaker 03

  Oh, yeah. She's rough. That's kind of why my girlfriend can't stand her.

• 1:01:19Caleb Hammer?

  Yeah, you're a lap. It was, it was yapping while on the phone with Lindsay, she says.

• 1:01:23Speaker 03

  Oh, no. I'm sorry, Lindsay.

• 1:01:26Caleb Hammer?

  Oh, yes.

• 1:01:30Caleb Hammer?

  Guys, I just wanted to say an extra thank you for making Simpler Budget an incredibly popular app. I wasn't expecting it, but we literally get like thousands of downloads a day and a lot of you are actually changing your financial future and we've been hearing from you. So, thank you all for supporting us. We just wanted to continue to say thank you and give people the opportunity to try out the app. So, we still have a two-week free trial in there for the premium version and of course, everyone that signs up for an annual version, at least for this next quarter, will get a Founder's Edition Simpler Budget Notebook and it is signed by me, sent directly to you. So, that's a special thank you for putting your trust in us to create an amazing budgeting app. And let me tell you, the features that we're gonna release throughout this next year are about to be

• 1:02:12Caleb Hammer?

  crazy. I'm gonna make this the best budgeting app that has ever existed. Seriously, download Simpler Budget now. It's incredible. The time to take control of your finances is literally right now. And as an extra limited time only bonus, I will give you a signed version of my budget-friendly cookbook for free when you sign up for Simpler Budget Premium Annual. Why the [__] are you learning Walmart?

• 1:02:37Speaker 03

  That was for a laptop.

• 1:02:39Caleb Hammer?

  From Walmart?

• 1:02:41Speaker 03

  Yeah.

• 1:02:41Caleb Hammer?

  What the [__] did you even get?

• 1:02:43Speaker 03

  It was a refurbished Mac that I got for

• 1:02:46Caleb Hammer?

  Mac what?

• 1:02:47Speaker 03

  OnlyFans.

• 1:02:48Caleb Hammer?

  That you got for O F. You're still paying for it?

• 1:02:51Speaker 03

  Yeah, I know.

• 1:02:52Caleb Hammer?

  You need a Mac for, oh, guys, in order to upload pictures of my tits, I need a [__] MacBook.

• 1:02:58Speaker 03

  They have, they have a specific software.

• 1:03:00Caleb Hammer?

  Guys, I need a, I need a Mac Studio. I need an M4 Ultra chip.

• 1:03:04Speaker 03

  They have

• 1:03:05Caleb Hammer?

  So, I can upload a picture of my asshole. The [__] are you talking about?

• 1:03:08Speaker 03

  They have a specific application that you can use to see what pictures you have already sent to someone. It helps manage the account. So

• 1:03:20Caleb Hammer?

  Only Apple has this.

• 1:03:21Speaker 03

  Apple and Windows.

• 1:03:23Caleb Hammer?

  So, the two options. Okay.

• 1:03:30Caleb Hammer?

  And it's a, it's a downloaded.

• 1:03:32Speaker 03

  Uh huh.

• 1:03:33Caleb Hammer?

  Is that a browser? You can't use it in a browser.

• 1:03:36Speaker 03

  No.

• 1:03:37Caleb Hammer?

  You cannot use it in a browser.

• 1:03:38Speaker 03

  It's like an application.

• 1:03:39Caleb Hammer?

  Yes, but you cannot use it in a browser.

• 1:03:41Speaker 03

  I mean, I couldn't use it like on my phone. Like it's a, it's a Mac thing.

• 1:03:47Caleb Hammer?

  And Windows.

• 1:03:48Speaker 03

  And Windows.

• 1:03:49Caleb Hammer?

  Which means you could have got a computer you could afford better. Okay.

• 1:03:53Speaker 03

  I, yeah, I guess, but this was a refurbished one. I didn't buy like a totally new, like 700.

• 1:03:58Caleb Hammer?

  And what is it?

• 1:03:59Speaker 03

  A MacBook Air.

• 1:04:01Caleb Hammer?

  Year?

• 1:04:03Speaker 03

  2021.

• 1:04:08Caleb Hammer?

  That may have been the first M1. I don't know. Might not have been worth it, dude. You can go buy the fucking like M4 MacBook Air for like a thousand right now. That's $300 more and I bet it kicks yours.

• 1:04:22Speaker 03

  I don't know.

• 1:04:23Caleb Hammer?

  You probably just.

• 1:04:24Speaker 03

  I need a fact check. No, I need a fact check what year it's from. It might be newer than that.

• 1:04:32Caleb Hammer?

  What else? What the fuck else are you doing on here? What are you carneting every second of your life?

• 1:04:37Speaker 03

  Well, I did take a vacation.

• 1:04:41Caleb Hammer?

  Yeah, you take every summer off. We know.

• 1:04:43Speaker 03

  This one was in September.

• 1:04:44Caleb Hammer?

  Oh, great. Not enough taking two months off.

• 1:04:47Speaker 03

  So I ended up actually going to Houston.

• 1:04:51Caleb Hammer?

  Classic vacation destination, I guess. The swamp of Texas.

• 1:04:54Speaker 03

  I went to go see the YouTuber Mr. Ballin with my girlfriend.

• 1:05:00Caleb Hammer?

  To see him?

• 1:05:01Speaker 03

  Uh huh. He did like a live show where he just told like the spooky stories in person.

• 1:05:07Caleb Hammer?

  He did that.

• 1:05:07Speaker 03

  Oh, it was so cool.

• 1:05:09Caleb Hammer?

  He's been to my house.

• 1:05:10Speaker 03

  What? I love Mr. Ballin. I love him. No way. Wait, that's so cool. Oh my gosh. I'll have to tell my girlfriend. Yeah, I'm sure. He seems nice. But yeah, we, we drove from there all the way, uh, or drove from home all the way to Houston and then drove back. But that included like the Airbnb's.

• 1:05:36Caleb Hammer?

  Polymorean dog, now that I'm thinking about it.

• 1:05:39Speaker 03

  Yeah.

• 1:05:40Caleb Hammer?

  I mean, that's not like an adopt from shelter dog. It's like an expensive dog, isn't it?

• 1:05:44Speaker 03

  Yeah.

• 1:05:44Caleb Hammer?

  How the fuck did you pay for your Polymorean?

• 1:05:46Speaker 03

  My OF money.

• 1:05:48Caleb Hammer?

  Oh my.

• 1:05:49Speaker 03

  She.

• 1:05:49Caleb Hammer?

  Cash flowed it with tits?

• 1:05:51Speaker 03

  Yeah.

• 1:05:51Caleb Hammer?

  Okay.

• 1:05:52Speaker 03

  She was on, I think she was like a thousand.

• 1:05:56Speaker 03

  Yeah.

• 1:05:56Caleb Hammer?

  When did you get her?

• 1:05:57Speaker 03

  When did I get her?

• 1:05:58Caleb Hammer?

  When did you get her?

• 1:05:59Speaker 03

  In December. I got her around Christmas time.

• 1:06:05Speaker 03

  But around that time, I also got her like the like the training classes. And originally the VCA stuff, I got her like her exams all figured out like I got.

• 1:06:21Caleb Hammer?

  Expensive to get a dog.

• 1:06:22Speaker 03

  Yeah.

• 1:06:23Caleb Hammer?

  And then you did it.

• 1:06:24Speaker 03

  Yeah.

• 1:06:24Caleb Hammer?

  Did you you didn't firm RAS to pay all that, did you?

• 1:06:27Speaker 03

  No. I did not. I bought all that with the OF money, but like.

• 1:06:31Caleb Hammer?

  No, they're telling me you did with the training classes.

• 1:06:33Speaker 03

  No, the training classes. You're right. That was that was not.

• 1:06:36Caleb Hammer?

  That's a part of it. You.

• 1:06:41Speaker 03

  See, I can't.

• 1:06:42Caleb Hammer?

  Tell the truth. Correct.

• 1:06:43Speaker 03

  No, I.

• 1:06:44Caleb Hammer?

  What is this? A car? Looks like it.

• 1:06:46Speaker 03

  I do have a car.

• 1:06:47Caleb Hammer?

  What is it?

• 1:06:47Speaker 03

  Um, it is a Nissan Rogue SV.

• 1:06:51Caleb Hammer?

  Year?

• 1:06:52Speaker 03

  Twenty twenty one.

• 1:06:54Caleb Hammer?

  Why the do you need a twenty twenty one car? I know LA is a driving city. There's not a walkability in sight, but.

• 1:07:01Speaker 03

  I had almost paid off my other car, but I um, I kind of. I I just got bored with that car.

• 1:07:10Caleb Hammer?

  You're not gonna make it. You're not gonna make I like with mindsets like that, you're not gonna make it. Like I I you I can't fix someone who just does that.

• 1:07:20Caleb Hammer?

  Who opens a new credit card out of a whim, even though they decided they couldn't make their payments.

• 1:07:23Speaker 03

  Yeah.

• 1:07:24Caleb Hammer?

  Because they wanted to get fucking little action figures, except they're just decoration. Couldn't even do anything with them. And then next, uh, they sell off their business to an agency, so essentially that does nothing. I just get a car because you got bored, even though we almost were in a good financial position where we owned our car outright. Guys, everything's on autopay. Oh, wait, I'm missing my payments on my things. Oh, wait, all the things that are on autopay now are not on autopay. Oh.

• 1:07:52Caleb Hammer?

  I had help and it's getting sucked from me. That's what she said.

• 1:07:58Caleb Hammer?

  It's getting absolutely sucked from me. You're at just over a nine percent interest rate on this car.

• 1:08:02Speaker 03

  Yeah.

• 1:08:03Caleb Hammer?

  The minimum to payment include this in your minimum to payments with everything. I don't know how the survive it. All right, mommies, three hundred forty-two dollars and fifty-eight cents.

• 1:08:12Caleb Hammer?

  Do I have a value?

• 1:08:13Speaker 05

  The VIN is not correct or anything.

• 1:08:15Speaker 03

  No way.

• 1:08:17Caleb Hammer?

  Well, you gave him the wrong VIN.

• 1:08:18Speaker 03

  I didn't mean to.

• 1:08:20Caleb Hammer?

  Well, we don't know what it's worth, I guess.

• 1:08:21Speaker 03

  Do you want me to look up the VIN?

• 1:08:22Caleb Hammer?

  Well, you're looking for it with this stuff that you're dealing with, deciding whether or not to get back in the industry. Actually, before you decide, well, actually, if you go away from it, just go away from it.

• 1:08:33Speaker 03

  Yeah.

• 1:08:33Caleb Hammer?

  But if you're thinking about going back, before you do, please sit down with a therapist. I'm going to cover three free sessions with Sandermine. Talk to them a lot. I want to make sure you're doing something that you're not fucking yourself in the future mentally over this stuff. People go through bad experiences there.

• 1:08:49Speaker 03

  Yeah, definitely had one.

• 1:08:53Caleb Hammer?

  What, the agency or something else I don't know about?

• 1:08:55Speaker 03

  No, just the agency, just the agency. All the other experiences have been positive.

• 1:09:00Caleb Hammer?

  Haven't done anything. Are you a collaborator?

• 1:09:02Speaker 03

  No.

• 1:09:03Caleb Hammer?

  This is solo. Okay, so there you go.

• 1:09:04Speaker 03

  Just solo.

• 1:09:06Caleb Hammer?

  So when did you get this car?

• 1:09:07Speaker 03

  I got it in March of twenty twenty-four.

• 1:09:11Caleb Hammer?

  It's going to be paid off in twenty thirty.

• 1:09:13Speaker 03

  Yeah.

• 1:09:14Caleb Hammer?

  Just take the barrel now.

• 1:09:18Caleb Hammer?

  It's looking like the car's worth maybe around sixteen thousand, so it's actually not that bad. So what we're probably going to do with this then?

• 1:09:24Speaker 03

  Okay.

• 1:09:24Caleb Hammer?

  You want to get rid of it?

• 1:09:26Speaker 03

  I don't want to get rid of it.

• 1:09:27Caleb Hammer?

  I don't give a are you willing to get rid of it?

• 1:09:29Speaker 03

  Am I willing?

• 1:09:30Caleb Hammer?

  Yes.

• 1:09:31Speaker 03

  Then I'm not going to be able to get anywhere.

• 1:09:33Caleb Hammer?

  Oh my, obviously, that's not what I'm saying.

• 1:09:34Speaker 03

  Okay.

• 1:09:35Caleb Hammer?

  If we get you another car, are you willing to get rid of it?

• 1:09:37Speaker 03

  Yeah.

• 1:09:37Caleb Hammer?

  Okay, you're probably going to sell it if, what's your credit score?

• 1:09:41Speaker 03

  Six eighty.

• 1:09:42Caleb Hammer?

  Yeah, you might be able to get a personal, probably get in a personal loan to pay off the difference about a thousand five hundred. Okay, boom, then you can sell it, then you get a ten thousand hour car with a ten thousand hour loan. Then boom, we've already cut your debt down by.

• 1:09:57Caleb Hammer?

  Sixteen thousand dollars.

• 1:09:59Speaker 03

  That's a downgrade, right?

• 1:10:00Caleb Hammer?

  Six thousand dollars, huh?

• 1:10:01Speaker 03

  That's a downgrade, though, right?

• 1:10:03Caleb Hammer?

  Yeah, you don't need to live a high life. You make twenty-five thousand, twenty-five hundred dollars a month in LA.

• 1:10:09Speaker 03

  Yeah, that's the, that's the rough part.

• 1:10:11Caleb Hammer?

  Is that all your debts?

• 1:10:12Speaker 03

  I believe so.

• 1:10:13Caleb Hammer?

  I can't believe I fucking inked myself. You have sixty-five dollars in your checking account. Like, what the fuck are we doing? Start with forty-five, even worse. No wonder some credit cards. You know, I bet some of your payments aren't even late payments. I bet they're just bounced payments because you don't have enough money in your checking account to make them. I bet. I mean, I don't know. We'll see.

• 1:10:30Speaker 03

  I, no.

• 1:10:32Caleb Hammer?

  It's so fucking stupid. It's a bakery and poke and community restaurant, whatever, something. I don't know. Sending fifty dollars out cash, Apple Cash and Microsoft Apps, loosely, loosely, blah, blah, guys. Other than three purchases on here, this entire page is bullshit. Look at that. The entire page. This is fucking crazy. You don't give a shit. You don't give a fuck. Swiping more than ever with a low income in a high cost of living area. You don't give a fuck. Loose Leaf, Apple Bill, Pete's Bella Beauty Lounge, and then you don't even wear your real hair, Phil's Coffee, Luna Grill, Apple Cash Out, Snack.

• 1:11:17Caleb Hammer?

  We're gonna have Snack for seven dollars and nineteen cents. Okay, great. That's a worth it. Snack, Apple Cash sent out. Casa Romos, Uber Eats. Soup and Fresh, Starby's, Apple Cash sent out, Seven Leaves Cafe, Luna Grill, Apple Bell, Apple Balance Cash Out, Apple Cash. What is all this Apple Cash you're sending out? It's every second of your life.

• 1:11:40Speaker 03

  Can I see it?

• 1:11:41Caleb Hammer?

  Oh, my, it's not something to look at. It's literally just Apple Cash sent.

• 1:11:44Speaker 03

  It might have been to the agency.

• 1:11:46Caleb Hammer?

  What?

• 1:11:47Speaker 03

  Yeah, otherwise.

• 1:11:48Caleb Hammer?

  You have to pay them their cut?

• 1:11:50Speaker 03

  Yes.

• 1:11:53Caleb Hammer?

  And you pay them in Apple Cash?

• 1:11:55Speaker 03

  That honestly-

• 1:11:56Caleb Hammer?

  You don't even know?

• 1:11:58Speaker 03

  I-

• 1:11:59Caleb Hammer?

  Oh! Luna Grill, Apple Balance, Apple Cash, okay, Apple, Apple Bill, Starbucks, Apple Cash sent out, Apple Cash sent out, Dumpling Bar, Spotify, Starbucks, Apple Bill-

• 1:12:09Speaker 03

  There's a lot of Starbucks.

• 1:12:10Caleb Hammer?

  Spotify-

• 1:12:12Speaker 00

  Are you ever shopping online and suddenly a discount that helps you save pops up? It makes your day, sometimes even your week. Want that feeling month after month? Well, new customers who save by switching their home and auto insurance to Progressive save hundreds. Cue your happy dance. Get your quote today at progressive.com. Progressive Casualty Insurance Company affiliates and other insurers, not available in all states.

• 1:12:38Caleb Hammer?

  Fucking stupid. Zelling out 164, Zelling out 800, Zelling out 40. That sounds more like the agency, right?

• 1:12:44Speaker 03

  Yeah.

• 1:12:45Caleb Hammer?

  Cause $800, that's a substantial amount of money.

• 1:12:47Speaker 03

  That's my rent. That's my rent that I sent to my girlfriend.

• 1:12:49Caleb Hammer?

  You don't have enough money in your account, so you pay $5 just for the privilege of having this account on a monthly basis. You don't even know that. Oh my-

• 1:12:56Speaker 03

  No. Um, but I did recently, they have at Knott's Berry Farm, they have this food plan. So I-

• 1:13:05Caleb Hammer?

  The fuck you talking about? Food plan for what?

• 1:13:07Speaker 03

  You pay-

• 1:13:07Caleb Hammer?

  Farms? What are you going?

• 1:13:09Speaker 03

  Knott's Berry Farm?

• 1:13:10Caleb Hammer?

  You're picking corn?

• 1:13:10Speaker 03

  No.

• 1:13:11Caleb Hammer?

  What are you talking about?

• 1:13:12Speaker 03

  Knott's Berry Farm.

• 1:13:12Caleb Hammer?

  Maybe if I just let you talk, but I didn't want you to.

• 1:13:14Speaker 03

  No, but like, do you know Knott's Berry Farm?

• 1:13:17Caleb Hammer?

  No!

• 1:13:17Speaker 03

  What?

• 1:13:18Caleb Hammer?

  So where you get berries? I don't know!

• 1:13:20Speaker 03

  Whoa, it's like, near Disneyland. So it's an amusement park.

• 1:13:24Caleb Hammer?

  Do I live near Disneyland?

• 1:13:26Speaker 03

  No, but I thought it was famous enough. I don't know. That's-

• 1:13:28Caleb Hammer?

  Jake, do we know Knott's Berry Farms?

• 1:13:30Speaker 06

  Jake has stepped inside of his office?

• 1:13:33Caleb Hammer?

  Lindsay doesn't count, she's from LA.

• 1:13:35Speaker 06

  Knott's Berry Farms is a big, yeah, not scary farm.

• 1:13:38Speaker 03

  Yes!

• 1:13:39Speaker 06

  spooky scary.

• 1:13:40Speaker 03

  Not scary farm.

• 1:13:42Caleb Hammer?

  We're gonna ask, Jake, do you know?

• 1:13:43Speaker 06

  Yes.

• 1:13:44Caleb Hammer?

  Oh, okay, maybe I'm-

• 1:13:46Speaker 03

  Either way, they have a food pass that comes with their annual pass, which is like, $100 for the annual pass a year, and then 165 for this food pass. And you can come in anytime and every four hours, you can get a meal. So, when I'm hard on cash, I do usually do that.

• 1:14:08Caleb Hammer?

  How much does it cost to get a meal?

• 1:14:10Speaker 03

  Uh, like-

• 1:14:11Caleb Hammer?

  It's free with $100?

• 1:14:11Speaker 03

  It's free with $165, yeah.

• 1:14:13Caleb Hammer?

  $165, you can get a free meal every day?

• 1:14:15Speaker 03

  Mm-hmm.

• 1:14:18Speaker 03

  Isn't that nice?

• 1:14:19Caleb Hammer?

  Yeah, that sounds like a worth it subscription. Why are they offering that?

• 1:14:22Speaker 03

  I don't know. I should gatekeep it, though.

• 1:14:25Caleb Hammer?

  Kind of, but also if you're able to literally get a basically free meal, a 50 cent meal.

• 1:14:33Speaker 03

  Then why do I?

• 1:14:34Caleb Hammer?

  Why are you spending so much on going out to eat? That makes no sense. That actually makes it look even worse.

• 1:14:39Speaker 03

  Some days I'm tired and I don't want to go all the way to Knott's Berry Farm. And they don't have, like, they don't have boba at Knott's Berry Farm. I love boba.

• 1:14:47Caleb Hammer?

  Make it at home.

• 1:14:50Speaker 03

  I feel like it's just not the same. It's like coffee. It's not the same.

• 1:14:53Caleb Hammer?

  Coffee can be better at home.

• 1:14:55Speaker 03

  I need to, I need someone to prove that.

• 1:14:57Caleb Hammer?

  Going out to eat was almost $700 and then you sent money, Apple cash out to the girlfriend.

• 1:15:02Speaker 03

  For rent.

• 1:15:03Caleb Hammer?

  Yeah, but also for food. For going out to eat, it wasn't all rent. You were Apple cash sitting out every second of your life. It couldn't have been rent unless you're paying rent every day.

• 1:15:12Speaker 03

  Yeah.

• 1:15:12Caleb Hammer?

  Stop it. Miscellaneous, another 700.

• 1:15:14Speaker 03

  Oh, yeah.

• 1:15:15Caleb Hammer?

  It's so fucking stupid. It's so stupid. Doesn't make any sense. Oh, my.

• 1:15:23Speaker 03

  Sorry, I don't, it's not funny.

• 1:15:24Caleb Hammer?

  Our life is a disaster.

• 1:15:25Speaker 03

  It's not funny.

• 1:15:26Caleb Hammer?

  177 in this.

• 1:15:27Speaker 03

  It's funny.

• 1:15:28Caleb Hammer?

  Five below, so probably it's a bull roster, Starbucks, Starbucks, Snack Cat, Two Hands, Starbucks, Rad Coffee Starbucks. When you're talking about going better coffee from home, you're getting Starbucks. Burnt ass coffee. Fuck off. Zelling out money. Oh, it's all bullshit. It's all bullshit. Orange Circle, Santa Ana, Amazon, Starbucks, getting some BS, Amazon, Ross. Broth, Santa Ana, bullshit, Starbucks, Luna Corral, Prime Video, Coffee and Grill, Taco Bell, Snack Cat.

• 1:16:10Caleb Hammer?

  Flame Broil. Ah, it's another fucking page. You're hurting my voice with all just the absolute stupid.

• 1:16:17Speaker 03

  Yeah.

• 1:16:19Caleb Hammer?

  You're going out twice a day, minimum, probably three times a day.

• 1:16:22Speaker 03

  Starbucks.

• 1:16:23Caleb Hammer?

  Lunch, dinner. Yet we have like a 25 cent meal that we can go get. You Olive Garden, Wetzel's pretzels. Great. Cassidy's Corner, Home Goods, getting some bullshit. Starbucks, TJ Maxx. You get clothes every second of your life. Ross.

• 1:16:40Speaker 03

  It's usually just like unnecessary.

• 1:16:43Caleb Hammer?

  Off. There is no such thing as a necessary decoration.

• 1:16:46Speaker 03

  Unnecessary decorations.

• 1:16:47Caleb Hammer?

  Yeah, you're damn right. Like a stupid fucking little in a sled, right? One of those Halloween.

• 1:16:55Speaker 03

  Yeah.

• 1:16:56Caleb Hammer?

  Yeah. That's the picture I saw was Halloween people in a car, not a sled. Some bull. Hot Topic.

• 1:17:03Speaker 03

  Yeah, I love Hot Topic, though. I get rewards there a lot.

• 1:17:08Caleb Hammer?

  Oh, it sounds like you're prepping for a redemption arc. McDonald's, Amazon, Prime Video, Jamba Juice, Knott's Berry, Admin, $21. I thought you got free admissions.

• 1:17:18Speaker 03

  No, I'm paying it off monthly.

• 1:17:21Caleb Hammer?

  $21? That's not $150.

• 1:17:23Speaker 03

  No, you put it all together. It's it's like a monthly plan, like how you get a Disneyland pass and you can pay it off monthly. It's the same thing with Knott's.

• 1:17:30Caleb Hammer?

  But that's not 150. You said it was 150 dollars. If it's $21.

• 1:17:33Speaker 03

  100 and no, 160 for the food plan and then $100 for the pass.

• 1:17:39Caleb Hammer?

  So it's 250.

• 1:17:40Speaker 03

  Yeah, I would say two, like 250, yeah.

• 1:17:42Caleb Hammer?

  But why are you going out to eat three times a day then? If it's $20 a month for that?

• 1:17:46Speaker 03

  Well, Starbucks usually in the morning.

• 1:17:48Caleb Hammer?

  Yeah, I know. Oh, I thought Starbucks is in the middle of the night.

• 1:17:51Speaker 03

  Times a day. I only.

• 1:17:53Caleb Hammer?

  Yes, you do. Starbucks, you lunch, you dinner. Dude, there is no way. But the amount of going out to eat. It is plus sending out for the girlfriend. You're going out to eat three times a day. Starbucks, lunch, dinner. You are. There's no way you can't. Unless you're getting two dinners a day.

• 1:18:10Speaker 03

  Well, I.

• 1:18:10Caleb Hammer?

  Starbucks, Lees Cafe.

• 1:18:12Speaker 03

  Probably.

• 1:18:14Caleb Hammer?

  Ladies and gentlemen.

• 1:18:17Caleb Hammer?

  And here we go. Savings, our legendary saver.

• 1:18:24Speaker 03

  I'm sorry, I.

• 1:18:25Caleb Hammer?

  You.

• 1:18:27Caleb Hammer?

  Negative $4.11. Look at it. Look at it.

• 1:18:31Speaker 03

  Let me look at it.

• 1:18:31Caleb Hammer?

  Look at it.

• 1:18:37Speaker 03

  What bank account is this?

• 1:18:39Caleb Hammer?

  Your bank account! What bank account is this?

• 1:18:42Speaker 03

  I have a couple. I have a couple, like, one for savings, one... Yeah. This has changed.

• 1:18:53Speaker 03

  It's better now.

• 1:18:54Caleb Hammer?

  I don't give a [bleep]. This last statement, you were negative in your [bleep].

• 1:18:57Speaker 03

  Yeah.

• 1:18:57Caleb Hammer?

  Negative in your [bleep] savings. Eighty-three dollars in acorns.

• 1:19:03Speaker 03

  Yeah, no. Acorns.

• 1:19:06Caleb Hammer?

  And acorns is good, I like acorns, I perform mu-mu, everyone knows that, but it's fine, that's fine. That just gets you better cash rewards when you deposit money, versus acorns. And then eight-hundred ninety in here, but it started at a thousand, so it's just going down in this checking account, you're just sending money out, like you said. So it's not even a reliable savings. What a joke! This is all a joke! This is a [bleep] joke! Before I even make a budget, let's just see if you can even, if the, is there even a chance for math? Do you have any chance? What are you gonna make dog groomy, do you know?

• 1:19:37Speaker 03

  Um, so... She said I could make up to, like, uh... I... Forty thousand a year?

• 1:19:48Caleb Hammer?

  For LA, that is a big struggle.

• 1:19:50Speaker 03

  Yeah.

• 1:19:50Caleb Hammer?

  I'll gift you a course career certification of your choice, if you wanna change your career path. I smell the dog fart again, something's happening.

• 1:19:58Speaker 03

  Yeah.

• 1:19:58Caleb Hammer?

  Listen, your debt minimum monthly payments alone is a thousand thirty-three point nine-nine, what's your portion of rent?

• 1:20:05Speaker 03

  Uh, eight-hundred.

• 1:20:06Caleb Hammer?

  What's your portion of utilities?

• 1:20:07Speaker 03

  That eight-hundred includes the utilities too.

• 1:20:09Caleb Hammer?

  Internet as well?

• 1:20:10Speaker 03

  Yeah. So eight-hundred-

• 1:20:13Caleb Hammer?

  Gas, how much gas, driving?

• 1:20:14Speaker 03

  We, oh, hmm...

• 1:20:16Caleb Hammer?

  Vroom, vroom. Drive, drive.

• 1:20:18Speaker 03

  My mom helps me with the gas.

• 1:20:20Caleb Hammer?

  See, she didn't even tell me that earlier when we literally talked about it.

• 1:20:24Speaker 03

  Did we? I'm sorry, no.

• 1:20:25Caleb Hammer?

  Are you serious? Did we? Did you just, did you just, did we, we, me? No, [bleep] you did we! Yes we did! You said, "No, it's only, it's only for food sometimes." Which, by the way, [bleep] you, because look at your food spending.

• 1:20:37Speaker 03

  I know.

• 1:20:37Caleb Hammer?

  [bleep] you! What an enablement from mommy. Car insurance.

• 1:20:42Speaker 03

  Yeah, car insurance has gone up.

• 1:20:44Caleb Hammer?

  Two? What?

• 1:20:47Speaker 03

  It was one ninety and now it's gonna be two forty.

• 1:20:54Caleb Hammer?

  $400 to go and we're maxed out. Phone bill. Mommy, mommy, take care of that. Oh, maybe you should have told me that when we

• 1:21:03Speaker 03

  Yeah.

• 1:21:04Caleb Hammer?

  Went through this conversation, you privileged, spoiled brat.

• 1:21:08Speaker 03

  Yeah.

• 1:21:09Caleb Hammer?

  If you're ever on your own, do helium.

• 1:21:11Speaker 03

  Helium?

• 1:21:12Caleb Hammer?

  If T-Mobile's good in LA. Do you pay for groceries?

• 1:21:15Speaker 03

  Yes.

• 1:21:17Caleb Hammer?

  I'll give you $300. Use the cookbook. TV fund, anything else that you need to survive, $100.

• 1:21:27Caleb Hammer?

  And I hope we have nothing else because that currently has you maxed out. But we have dogs. Single dog. Do you have to take care of the cats as well?

• 1:21:35Speaker 03

  Yes.

• 1:21:36Caleb Hammer?

  Okay, then you are

• 1:21:41Caleb Hammer?

  out of luck.

• 1:21:46Caleb Hammer?

  Because even $40,000 a year. Yeah.

• 1:21:50Speaker 03

  I think that's minimum too. It really just depends.

• 1:21:58Caleb Hammer?

  Listen. Here's the thing.

• 1:22:03Caleb Hammer?

  The reality is

• 1:22:07Caleb Hammer?

  you

• 1:22:10Caleb Hammer?

  optionally only make that much money.

• 1:22:13Speaker 03

  Yeah.

• 1:22:13Caleb Hammer?

  Because you work 30 hours a week and take off 15% of the work year.

• 1:22:22Caleb Hammer?

  No, more than that because if we incorporate weekends, all this stuff, in terms of actually working hours, you probably take off like 20% of the work year. And then you actually take more vacations throughout the year. So I wouldn't be surprised if you take off 25% of the work year. This is all a choice. And when it's all a choice, I don't give a at that point because literally you're choosing this. This isn't a mathematical error. This is just you around not caring, being a spoiled brat by two mothers. It's stupid. Spending your budget zero to 10. I'm pissed off. Debt, I mean, it's honestly not the worst. You're just a dumb paying it off.

• 1:22:53Speaker 03

  Yeah.

• 1:22:54Caleb Hammer?

  We can make it better with that car consolidated. It's a two out of 10. Emergency fund, technically a little there, but I bet it's going to be drained. One out of 10. Retirement, I didn't see dick.

• 1:23:03Speaker 03

  No.

• 1:23:04Caleb Hammer?

  Zero out of 10. Real estate, zero out of 10. The closest you'll get to owning real estate is your girlfriend's mom.

• 1:23:12Caleb Hammer?

  Hammer Financial Score, 1 on a 10. Guys, join us in the post-show. I know with this type of conversation, that's where we can have conversations about things that would get this episode demonetized. So make sure you join us there. Join Hammer Elite for over, for thousands of hours of extra content. We upload almost daily there. Help support the channel. And last but not least, don't forget to download the Simpler Budget app today. See you in the post-show. We can talk more about the nitty-gritty because we can't get demonetized in the post-show. Right. So what is something crazy? What should we know about this OF?

• 1:23:43Speaker 03

  Tell Caleb how much you spent on the tattoo and what it's of.

• 1:23:47Caleb Hammer?

  Oh, and where even is it?

• 1:23:48Speaker 03

  $1,200. It's my [BLEEP].

• 1:23:50Caleb Hammer?

  You affirm the [BLEEP] tattoo?

• 1:23:52Speaker 03

  Yep.

• 1:23:53Caleb Hammer?

  Alright. To watch the Financial Audit Post-Show, click the Join button below.

• 1:23:59Speaker 00

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