Gen-Z Princess Thinks She's Smarter Than Me | Financial Audit

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

• 0:00Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. What?

• 0:04Speaker 01

  I'm going to Switzerland.

• 0:05Caleb Hammer?

  Oh, my. When? When? This is not funny. Shut the up.

• 0:11Speaker 01

  Sometimes for some of my flight, my will help me out.

• 0:14Caleb Hammer?

  You seem like a daddy's girl. This is miserable. You are impossible to talk to. You have no breakthrough. You are a brick wall of dumb.

• 0:25Speaker 01

  Hi, my name is Paige. I'm 26, from Austin, Texas, and this is Financial Audit.

• 0:31Caleb Hammer?

  Thanks for coming into the studio. What do you do for a living here in Austin?

• 0:35Speaker 01

  Thank you. Currently, I work in retail.

• 0:40Caleb Hammer?

  What do you do?

• 0:41Speaker 01

  At Lululemon. I'm

• 0:42Caleb Hammer?

  Oh, you didn't have to tell me where, but just like, what do you do? Retail is huge. All encompassing.

• 0:48Speaker 01

  Sorry, I sell clothes. Um, I walk dogs. Yeah.

• 0:51Caleb Hammer?

  Oh.

• 0:53Speaker 01

  Twenty six.

• 0:53Caleb Hammer?

  You walk dogs at Lululemon?

• 0:55Speaker 01

  No, no, no. So I have, I work at Lululemon and I also walk dogs on the side.

• 1:00Caleb Hammer?

  Ah, side hustle. Okay. What do you make at Lululemon?

• 1:03Speaker 01

  Um, I make like seventeen fifty an hour.

• 1:06Caleb Hammer?

  Okay. How many hours a week?

• 1:08Speaker 01

  Uh, usually around thirty.

• 1:11Caleb Hammer?

  Okay. Yeah, that would be pretty hard to live in Austin. That's a little hard. So, I mean, that kind of gets us to about two thousand a month before any kind of taxes or anything, just off of that, with no time off, if you're not taking any time off. How much are we making with the, what?

• 1:29Speaker 01

  We also get bonuses.

• 1:31Caleb Hammer?

  Based on?

• 1:31Speaker 01

  Based on sales. So

• 1:34Caleb Hammer?

  How often?

• 1:35Speaker 01

  How often? We, on our second paycheck of the month.

• 1:37Caleb Hammer?

  Cool. What do you normally get? What? Normally it's your account from Lulu on a monthly basis.

• 1:41Speaker 01

  I want to say it's closer to twenty five hundred.

• 1:45Caleb Hammer?

  Okay.

• 1:46Speaker 01

  Maybe?

• 1:46Caleb Hammer?

  Obviously, still difficult to live in Austin off of that. So how much do we make from the pet?

• 1:51Speaker 01

  From

• 1:52Caleb Hammer?

  Pet walking or sitting or whatever.

• 1:53Speaker 01

  So I usually do that about ten hours a week. So that's usually like

• 2:01Speaker 01

  I'll say three hundred dollars. No, sorry. Three hundred fifty dollars a week doing that.

• 2:05Caleb Hammer?

  Are taxes set aside for that automatically? Or do you have to set aside taxes?

• 2:09Speaker 01

  So in the app, I think that they do set them aside.

• 2:12Caleb Hammer?

  What do you mean you think? How do you not know?

• 2:14Speaker 01

  I don't know. I guess I haven't really looked into it.

• 2:16Caleb Hammer?

  Oh, you've been doing it?

• 2:17Speaker 01

  Um, I think I started. Well, I don't think I know. I started about like a year ago.

• 2:23Caleb Hammer?

  A year ago? So there would have been a little load last year. Do you claim the income from the dog walking on your taxes?

• 2:31Speaker 01

  I think it was less than, I think it, it wasn't that much. I didn't make that much doing it.

• 2:37Caleb Hammer?

  Did you claim it?

• 2:39Speaker 01

  No.

• 2:40Caleb Hammer?

  Uh huh. Pull up your app. Show me where the tax.

• 2:44Speaker 01

  Okay.

• 2:44Caleb Hammer?

  That set aside the taxes in the app is, uh, alleged set aside.

• 2:50Speaker 01

  Okay.

• 2:51Caleb Hammer?

  Monies.

• 2:53Speaker 01

  I think it does.

• 2:54Caleb Hammer?

  That's great. Show me.

• 2:56Speaker 01

  Or is it like, is it a ten ninety-nine? Is that right? Is that what it's called? Maybe? Or is that what I'm supposed to file?

• 3:02Caleb Hammer?

  Why don't you pull up the app?

• 3:05Speaker 01

  Okay.

• 3:06Caleb Hammer?

  Hmm. Show me the tax thing.

• 3:08Speaker 01

  I'm trying. It's loading.

• 3:10Caleb Hammer?

  Okay. Did you not join the guest wifi?

• 3:12Speaker 01

  I did. Or it says Rover fees. So I'm assuming that's what it is. I'm waiting for it to load.

• 3:17Caleb Hammer?

  I doubt. I bet Rover fees is them making a little bit from what you're making.

• 3:22Speaker 01

  Okay.

• 3:22Caleb Hammer?

  So that they can make money as a company.

• 3:24Speaker 01

  The Rover fees.

• 3:25Caleb Hammer?

  You thought the.

• 3:28Caleb Hammer?

  Oh.

• 3:30Caleb Hammer?

  Sit. Okay. Okay.

• 3:33Caleb Hammer?

  Uh, thirty, eighty dollars for a set and you thought the Rover fee of sixteen dollars were taxes being set aside for you?

• 3:40Speaker 01

  Yeah.

• 3:41Caleb Hammer?

  When have we ever seen taxes being taken from us with the company's name and the word fee after it?

• 3:48Speaker 01

  That's true. I guess I've never, I never.

• 3:50Caleb Hammer?

  How do you think Rover makes money?

• 3:53Speaker 01

  I thought it was just out of the goodness of their heart.

• 3:55Caleb Hammer?

  Okay. Well, come on. Yeah. How do you think they make money? Come on.

• 3:58Speaker 01

  Um, I know there's no ads. Well, I assumed that it was taxes and how they were making money.

• 4:04Caleb Hammer?

  Why? Why'd you assume this? I'm so confused.

• 4:07Speaker 01

  I don't know. I think I just did.

• 4:09Caleb Hammer?

  Okay. So yes, you are gonna receive a tax form at the end of the year. You're gonna receive a form from Rover at the end of the year. So that you can use that, submit it in your tax returns and you will likely have to pay taxes. And I highly doubt there's anything you can write off.

• 4:25Speaker 01

  Okay.

• 4:26Caleb Hammer?

  How much? It's fourteen hundred a month?

• 4:29Speaker 01

  Yeah, about that.

• 4:30Caleb Hammer?

  Okay, I mean, you don't make crazy money, but it's like even still, there is the government wants their money. Let's be honest, it's gonna happen. I don't remember a savings account.

• 4:42Speaker 01

  Oh, yeah, so I actually, yeah, that's true.

• 4:47Caleb Hammer?

  How are you gonna pay taxes? Even if they're little, how? What are you gonna do?

• 4:52Speaker 01

  I was getting grind it out, you know?

• 4:55Caleb Hammer?

  That's not a.

• 4:57Speaker 01

  Like pick up more, like pick up more dogs.

• 4:59Caleb Hammer?

  And then you owe more taxes next time.

• 5:01Speaker 01

  That's true, but then I'll have a plan in place.

• 5:03Caleb Hammer?

  Why don't you have a plan in place now?

• 5:05Speaker 01

  Well, that's why I'm here.

• 5:07Caleb Hammer?

  I'm starting. Shut the, that's what, that's what everyone says, that's the stupidest thing in the world. I'm asking you questions so I can figure out your life. I'm asking questions so I can figure out how you approach all this.

• 5:17Speaker 01

  Yeah.

• 5:17Caleb Hammer?

  That's why I'm here is not a get out of jail free card. Stop with that.

• 5:21Speaker 01

  That's fair, hey? That's fair.

• 5:23Caleb Hammer?

  Okay, how are you living on Austin, Texas? On three thousand nine hundred dollars a month? How do you feel? How do you feel with some of that should be set aside for taxes, but lots to say it's not. Cause we know you're not. Oh, you're a giggly thing, okay. It's okay, it's okay. How are you living in Austin?

• 5:43Speaker 01

  Um.

• 5:44Caleb Hammer?

  How you feeling?

• 5:44Speaker 01

  I, I mean, I've done, I've done okay. Like, most of the things that I like doing are like outdoor activities, but I definitely do not have like a lot.

• 5:53Caleb Hammer?

  Let's talk about survival and not what you do for fun. How are you living in Austin? How do you feel?

• 5:59Speaker 01

  Yeah, it's definitely tough. Like, it's, yeah, I need to, I need to either make more money or do a better job with what I have now.

• 6:08Caleb Hammer?

  Why do they only have sixteen sixty one hit from payroll?

• 6:11Speaker 01

  For?

• 6:12Caleb Hammer?

  In the last month? Hit your accounts? Unless there's a super secret account you didn't give us?

• 6:18Speaker 01

  Ah, that's.

• 6:18Caleb Hammer?

  What's Apple Cash in a thousand dollars? What was that?

• 6:20Speaker 01

  Oh, that's dog walking.

• 6:22Caleb Hammer?

  What was the Rover a thousand two hundred dollars?

• 6:25Speaker 01

  That's, so I, like, I have regular clients. So.

• 6:30Caleb Hammer?

  So Rover's actually double, dog walk is actually double, two thousand?

• 6:34Speaker 01

  I didn't think it was that much, but.

• 6:35Caleb Hammer?

  I don't know, I got a thousand fifty in from Apple Cash within the month. One thousand two hundred twelve from Rover.

• 6:42Speaker 01

  Yep.

• 6:43Caleb Hammer?

  A payroll sixteen sixty one.

• 6:45Speaker 01

  Mm hmm.

• 6:46Caleb Hammer?

  No, that doesn't line up with your twenty five hundred. Even double that doesn't line up with the twenty five hundred.

• 6:51Speaker 01

  Maybe I just did my math wrong.

• 6:52Caleb Hammer?

  You don't know how much you make?

• 6:54Speaker 01

  No.

• 6:55Caleb Hammer?

  Wait, what's your hourly rate again?

• 6:57Speaker 01

  Like seventeen fifty? And then.

• 6:59Caleb Hammer?

  And you said you always work thirty hours a week?

• 7:02Speaker 01

  Well, like at the end, we get bonuses. That's what I mean. On the second paycheck, we get a bonus.

• 7:07Caleb Hammer?

  Yeah, but this was a month's worth of statements. It's possible that maybe it was missed one by a day, but.

• 7:14Speaker 01

  So you're saying I make less than I thought or more?

• 7:15Caleb Hammer?

  I don't know, dude. I'm asking you. For sake, I'm just trying to get the baseline, dude.

• 7:21Speaker 01

  Yeah.

• 7:22Caleb Hammer?

  And we had transferred in from savings. So what was that? What you transfer in from savings to your checking? Eight hundred four.

• 7:30Speaker 01

  That might have been, wait, to pay. It just went into my checking.

• 7:35Caleb Hammer?

  You put seven hundred in your savings and you pulled eight hundred. How do you not do this? So sad. Happen. I'm so confused. How, how do we have the?

• 7:43Speaker 01

  I'm sorry.

• 7:44Caleb Hammer?

  Like, how are we on that level of a few weeks later?

• 7:48Speaker 01

  I really, I have no idea.

• 7:49Caleb Hammer?

  Eight hundred dollars is not insignificant to you.

• 7:52Speaker 01

  I was probably paying my credit card bill.

• 7:54Caleb Hammer?

  You put seven hundred in savings and took out eight hundred.

• 7:57Speaker 01

  I think I moved money around as I get it.

• 7:59Caleb Hammer?

  Okay, oh, oh, oh, I, I want to ask this question. I, I roast people and it's fun and, you know, we get your consent and everything for it beforehand. Also, I want to ask you this out of just legitimate, genuine.

• 8:13Caleb Hammer?

  Not as an insult.

• 8:14Speaker 01

  Okay.

• 8:15Caleb Hammer?

  Are you dumb? No, I'm sorry. Like legitimately, are you not smart?

• 8:22Speaker 01

  I think I'm pretty smart.

• 8:24Caleb Hammer?

  Okay.

• 8:25Speaker 01

  Just, I just don't, I don't have a great grip on my finances.

• 8:29Caleb Hammer?

  Okay. Okay. How much do you think you spent in the month? Of course, you think you make a total of three thousand eight hundred or so. That's what you think. Maybe it's a little more or maybe it's a little less. What do you think you spent?

• 8:43Speaker 01

  Like, including rent and everything?

• 8:45Caleb Hammer?

  Spent total, all the money, spent, spent, spent, spent, spent.

• 8:48Speaker 01

  Probably all of it.

• 8:50Caleb Hammer?

  Okay, yeah, how about a number?

• 8:51Speaker 01

  Three thousand eight hundred.

• 8:52Caleb Hammer?

  Okay, five thousand two hundred ninety four. What the fuck are you talking about?

• 8:55Speaker 01

  I did not realize that.

• 8:57Caleb Hammer?

  Let me guess. That's why I'm here.

• 9:00Speaker 01

  I wasn't gonna say it. I was not gonna say that.

• 9:03Caleb Hammer?

  Uh huh.

• 9:03Speaker 01

  But I really didn't know that.

• 9:04Caleb Hammer?

  So what is going on in your life right now? I wanna know. We'll jump into these finances in just a minute or so. What is going on in your life? Cause you clearly have no knowledge about your situation. What you know? That's something we wanna, we obviously wanna help with and get you to a better place. But what is going on in your life right now surrounding all this? Best description possible that you can attest to?

• 9:32Speaker 01

  Yeah, so I think for me, I just moved here.

• 9:37Caleb Hammer?

  Oh, really? From where?

• 9:39Speaker 01

  Yeah, from North Carolina.

• 9:40Caleb Hammer?

  When?

• 9:41Speaker 01

  Um, about two months ago.

• 9:43Caleb Hammer?

  Oh, shit. Okay.

• 9:45Speaker 01

  Yeah.

• 9:45Caleb Hammer?

  That's a, okay, that's a big move. Okay, for why?

• 9:48Speaker 01

  So I have, I have friends in the area. I was just really excited about it. I've always loved Austin.

• 9:52Caleb Hammer?

  Wasn't for a job?

• 9:53Speaker 01

  No, so I kept the same job. I transferred my job.

• 9:57Caleb Hammer?

  You transferred to Looz?

• 9:58Speaker 01

  To Lulu's? Yes. Yeah. So I transferred from, actually, I started in North Carolina, transferred that job out to Australia and then transferred it to Austin.

• 10:08Caleb Hammer?

  To Australia?

• 10:09Speaker 01

  Yeah. Yeah, I lived in Australia for about six months last year and then I.

• 10:15Caleb Hammer?

  Well, hold on. Are you, are you not gonna? Do you move every six months?

• 10:19Speaker 01

  I, I, I stay mobile, but.

• 10:22Caleb Hammer?

  Is the preparation and everything we do here not gonna be adequate because you're gonna move from here in four months?

• 10:27Speaker 01

  No, no, this time I'm, I'm settling down.

• 10:30Caleb Hammer?

  Tell you get bored four months from now and see your dream life in New York City or something?

• 10:34Speaker 01

  No, see, I think I, I'm really excited about Austin. This is kinda where I wanna be, you know?

• 10:40Caleb Hammer?

  Cause the friends?

• 10:41Speaker 01

  Yeah.

• 10:42Caleb Hammer?

  That's why.

• 10:42Speaker 01

  Yeah.

• 10:43Caleb Hammer?

  That could, that could be a good reason.

• 10:44Speaker 01

  Yeah, and, and I, I love music. I love like.

• 10:47Caleb Hammer?

  Okay, we can get that a lot of places. Live music capital of the world. Sure, more live music venues per capita than anywhere else. Go ahead.

• 10:53Speaker 01

  Right, like I just, I love the area. I love being outside. The lake is awesome. I wanted to live in a city. I wanted to live in a city. I've never done that before.

• 11:00Caleb Hammer?

  Every city has a city. Okay, so I'm just like, I'm just trying to like, why are you actually going to stay here? Friends, that's an actual real reason.

• 11:07Speaker 01

  Yeah, I really miss community, like in all my travel and like moving everywhere else. That was, that was tough for me.

• 11:14Caleb Hammer?

  Yeah.

• 11:15Speaker 01

  So.

• 11:15Caleb Hammer?

  Okay, so you just moved here. What's going on?

• 11:17Speaker 01

  In terms of.

• 11:19Caleb Hammer?

  I asked what's going on with your life. That was the first thing you said.

• 11:22Speaker 01

  Yeah.

• 11:22Caleb Hammer?

  I wanted you to resume that.

• 11:24Speaker 01

  Yeah. So, I mean, I just moved here. I'm settling in. Um, it's been great so far and right now I kinda just wanna get everything in line so I can keep living the life that I love.

• 11:36Caleb Hammer?

  What is keep living the life that you love? Get everything in line?

• 11:40Speaker 01

  Yeah.

• 11:41Caleb Hammer?

  But but you spend more money than you make, so you'd be going even further from the line. What is living the life I love? What are you trying to get to?

• 11:47Speaker 01

  Well, I I'm okay with living frugally, like in my day to day life.

• 11:52Caleb Hammer?

  What are you talking about? No, you're not.

• 11:54Speaker 01

  Yes, I.

• 11:54Caleb Hammer?

  I don't think you know what frugal is.

• 11:58Speaker 01

  Yes, I do. I mean, I really, I don't think I'm an extravagant spender and.

• 12:02Caleb Hammer?

  You spent oh, five thousand two hundred when you think you bring in four.

• 12:07Speaker 01

  Well, I haven't so like I you recognize, yes, I move around a lot, but most of that is like for travel, for like fun things, that kind of thing, like.

• 12:20Caleb Hammer?

  And I can't end up being an extravagant spender. Did you just hear the things you said? Do you not even know what words are?

• 12:26Speaker 01

  Yes, I do, but I just mean for me, that's what's important to like to travel, to see things.

• 12:32Caleb Hammer?

  Then what the are you gonna do? There's no frugality in that. I mean, there could be if you're a nomad, but you're not. Not the way you spend. What are you talking about? You're going at one eighty. Do you not know what you're saying? Do you not wanna know what any of those things even are? Do you not know what things cost money?

• 12:46Speaker 01

  They do. I know they do.

• 12:48Caleb Hammer?

  No. Then what do you mean then?

• 12:51Speaker 01

  But I still, I still want to like, okay, so starting out how I got, how I got this debt initially.

• 12:58Caleb Hammer?

  Yeah, sure.

• 12:59Speaker 01

  I basically, so I was living in Colorado for four years.

• 13:04Caleb Hammer?

  Sure, of course.

• 13:05Speaker 01

  As a ski bum.

• 13:06Caleb Hammer?

  Yeah, I was. As a what?

• 13:07Speaker 01

  A ski bum. Like, I wasn't making much money. I was working at a ski resort, basically just doing all that. Didn't have any debt then. And then I decided that I wanted to move to Australia.

• 13:19Caleb Hammer?

  Okay.

• 13:20Speaker 01

  So I could learn how to surf. Did that. And then I was like, you know what? Let's keep this party going. I wanna go to Asia. So then I spent about two months traveling around Asia, got my yoga teaching certification because because.

• 13:35Caleb Hammer?

  The fuck are you on?

• 13:37Speaker 01

  Because I want to teach yoga.

• 13:39Caleb Hammer?

  That's what you want your thing to be?

• 13:41Speaker 01

  Well.

• 13:42Caleb Hammer?

  That's the passion.

• 13:44Speaker 01

  One of the things, yeah.

• 13:45Caleb Hammer?

  What are the other things?

• 13:47Speaker 01

  Well, I'm mostly just, I mostly just work to live.

• 13:51Caleb Hammer?

  Oh, my gosh.

• 13:52Speaker 01

  What?

• 13:52Caleb Hammer?

  What, work to live? I, maybe, but you spend more. You're not working enough to live. Your life. So, let's talk about something every business owner fears. Running out of cash when you've got payroll to hit or a new project on the line. I've been there. When I started the show, managing cash flow was a straight up nightmare. Between payroll, new equipment, and scaling up my business, I always felt like I was on the edge. And that's why today's sponsor Relay is a game changer. Relay is an all-in-one business banking platform that helps you stay on top of your cash flow right from your phone. No account fees, no stress, no unnecessary bank trips. You can open up to 20 free checking accounts.

• 14:35Caleb Hammer?

  Imagine being able to split your money into buckets for taxes, payroll, profit, or even upcoming projects, so you always know where every dollar is going. And get this, you can hand out up to 50 debit cards to your team, set spending limits, and even freeze them if someone is trying to blow company cash onto Kidos. Plus, accounts will love you for this. Relay gives them secure, read-only access to keep your books clean without you chasing down every receipt. You'll be thanking yourself during tax season, believe me. And to sweeten the deal, head to relayfi.com/calebhammer or the link in the description below and get a $100 signup bonus. Relay will have your business running smoother than ever. Avoiding the problems I ran into is easy with Relay by your side.

• 15:17Caleb Hammer?

  So, check out the link in the description and claim the $100 signup bonus today. Let's jump back into the episode. That's not true. You go in debt to live.

• 15:25Speaker 01

  Yeah, I would like to avoid that. I mean, I already am.

• 15:28Caleb Hammer?

  Why don't you?

• 15:29Speaker 01

  I know I already am, but...

• 15:30Caleb Hammer?

  No, you're not. You're not avoiding that. What do you mean, no, you're not?

• 15:33Speaker 01

  No, I know I'm already in debt.

• 15:35Caleb Hammer?

  So, why aren't you doing that, then? That's a great want. Usually, people that want something, do it.

• 15:41Speaker 01

  I'm trying.

• 15:42Caleb Hammer?

  No, you're not. What do you mean? You spend 1,200 more than you bring in.

• 15:46Speaker 01

  Yeah.

• 15:47Caleb Hammer?

  Smile all you want, that doesn't make it true.

• 15:49Speaker 01

  Yeah. I think I didn't realize how much money I was spending.

• 15:52Caleb Hammer?

  No.

• 15:55Caleb Hammer?

  That is the most obvious statement I've ever heard in my life.

• 15:58Speaker 01

  It's a wake up call for sure.

• 16:00Caleb Hammer?

  Why aren't you doing it? You say you know you want to. You say you want to.

• 16:05Speaker 01

  Yeah.

• 16:06Caleb Hammer?

  So why not then?

• 16:08Speaker 01

  Well, I work all the time.

• 16:09Caleb Hammer?

  You work forty hours a week with both jobs combined.

• 16:12Speaker 01

  Yeah, well.

• 16:14Caleb Hammer?

  You don't know what all the time is at a hundred sixty eight hours in a week. You work forty hours a week.

• 16:22Speaker 01

  Yeah.

• 16:24Speaker 01

  So.

• 16:24Caleb Hammer?

  Do you have any point that has any kind of standing or is this all gonna be bull?

• 16:28Speaker 01

  It's not bullshit.

• 16:29Caleb Hammer?

  That was bullshit and what you said before that was bullshit. So where's the non bullshit?

• 16:34Speaker 01

  Well, I'm just, I'm so I was doing a really good job.

• 16:38Caleb Hammer?

  Uh, yeah, when, what did that look like?

• 16:40Speaker 01

  When I first came back from Australia, like I was living at home, but that's because I didn't really have any bills. Um, and then.

• 16:48Caleb Hammer?

  We could all do well if we don't have bills.

• 16:50Speaker 01

  I know. And so that was good. So I, I like kind of got that in my corner and I was kind of like.

• 16:56Caleb Hammer?

  Got what in your corner? No disciplines required for that.

• 16:58Speaker 01

  I know. That's true. That's true. I think.

• 17:04Speaker 01

  I just need to learn how to. Pay for the things. That when I say it out loud. Like pay for the.

• 17:15Caleb Hammer?

  Do you hear any of the things you're saying out loud? This is all. Wild.

• 17:19Speaker 01

  I just mean, I just mean, it's like. I didn't, I really didn't realize I was spending so much money. And I was like, why credit card balance not going down?

• 17:28Caleb Hammer?

  Are you kidding me?

• 17:29Speaker 01

  No, I'm not.

• 17:31Caleb Hammer?

  Did you ask yourself that?

• 17:34Caleb Hammer?

  When did you?

• 17:34Speaker 01

  Obviously not. Obviously not.

• 17:36Caleb Hammer?

  So you didn't ask yourself, why is my credit card?

• 17:38Speaker 01

  Well, I did ask myself.

• 17:39Caleb Hammer?

  When did you ask yourself that?

• 17:41Speaker 01

  Because I was like.

• 17:42Caleb Hammer?

  When?

• 17:42Speaker 01

  Should I?

• 17:43Caleb Hammer?

  When?

• 17:45Speaker 01

  Probably like. Two months ago.

• 17:47Caleb Hammer?

  Why didn't you look at your documents then two months ago? This, that. Why didn't you look at your documents then two months ago?

• 17:53Speaker 01

  I was like. Well, I did look at them. I just looked at them.

• 17:57Caleb Hammer?

  Then you would have found out. It tells you how much comes in, how much goes out.

• 18:01Speaker 01

  Yeah, but I just thought, I thought that I was like putting more money towards.

• 18:07Caleb Hammer?

  What am I dealing with right now? What are you? No, that's not funny. That's not funny. That better be some cop laugh. Some copium.

• 18:18Speaker 01

  I just.

• 18:18Caleb Hammer?

  What?

• 18:19Speaker 01

  I just didn't realize I was spending so much money.

• 18:22Caleb Hammer?

  How many times are you gonna say that?

• 18:23Speaker 01

  I don't know. It remains true.

• 18:26Caleb Hammer?

  But you could have looked because you asked yourself two months ago and you wanted to know two months ago and you could have found the out, but you chose not to.

• 18:32Speaker 01

  Yeah.

• 18:33Caleb Hammer?

  And but we don't know why.

• 18:34Speaker 01

  Well, I've known about this debt. Like, I knew that this was gonna happen, like when I.

• 18:38Caleb Hammer?

  What? Knew what was?

• 18:39Speaker 01

  When I decided to travel, I knew I was gonna put myself in debt.

• 18:42Caleb Hammer?

  Okay.

• 18:43Speaker 01

  And.

• 18:43Caleb Hammer?

  You weren't traveling two months ago, though. Where are you? You got here and then you asked yourself, why is it not going down? And then you didn't look at a number?

• 18:49Speaker 01

  Okay, so I guess it was more than two months ago, but I wasn't, I wasn't really facing the realization like, oh.

• 18:55Caleb Hammer?

  Were you working in Australia?

• 18:57Speaker 01

  Yes.

• 18:57Caleb Hammer?

  Oh, to Lulu.

• 18:58Speaker 01

  Yeah.

• 18:58Caleb Hammer?

  Okay. What is that? Your career? I mean, it's okay if it wants to be.

• 19:02Speaker 01

  Well, not forever.

• 19:04Caleb Hammer?

  What are you gonna do? You're twenty six.

• 19:06Speaker 01

  Yeah.

• 19:07Caleb Hammer?

  What do you want to do? What have you done? Do you have college? Do you have what?

• 19:10Speaker 01

  Yeah, I did go to college. I.

• 19:12Caleb Hammer?

  Did you graduate college?

• 19:13Speaker 01

  Yeah, I have my bachelor's and my master's in economics.

• 19:16Caleb Hammer?

  What the, what the? No way.

• 19:22Speaker 01

  Yeah, so.

• 19:25Caleb Hammer?

  Then this, are you?

• 19:29Caleb Hammer?

  From, it doesn't even matter from where. Did they not teach you? What is happening? You graduated and with a masters?

• 19:38Speaker 01

  Yeah.

• 19:38Caleb Hammer?

  Guys, if you think your qualifications only come from a degree, watch this episode. I know, I like, what the, like, do, but you don't know how to budget?

• 19:50Speaker 01

  Apparently not.

• 19:51Caleb Hammer?

  You don't want to do anything with that?

• 19:52Speaker 01

  I do. I do. It's really hard right now to find a job.

• 19:57Caleb Hammer?

  What do you mean?

• 19:58Speaker 01

  Like, I've been applying. I've been applying for.

• 20:00Caleb Hammer?

  Two?

• 20:02Speaker 01

  What?

• 20:03Caleb Hammer?

  Two?

• 20:03Speaker 01

  Two, like analyst positions, consulting positions, like literally.

• 20:10Caleb Hammer?

  Could hire you as a consultant.

• 20:11Speaker 01

  I've been on LinkedIn. I have been on LinkedIn.

• 20:14Caleb Hammer?

  Well done. Okay.

• 20:18Speaker 01

  But I have been looking.

• 20:19Caleb Hammer?

  I don't know. How, okay. How many jobs do you apply to a week?

• 20:23Speaker 01

  Usually like six a week.

• 20:24Caleb Hammer?

  Okay, so it's not even close enough. That's not enough a day.

• 20:27Speaker 01

  Really?

• 20:28Caleb Hammer?

  Kidding me? You not, do you not know how competitive? People want these jobs. Are you kidding me? You think six a week is gonna get? What? Are you serious?

• 20:35Speaker 01

  How many should I be applying for?

• 20:37Caleb Hammer?

  Minimum six a day.

• 20:38Speaker 01

  A day?

• 20:39Caleb Hammer?

  Ten a day. What are you talking about? Do you want a job or not?

• 20:42Speaker 01

  Yes.

• 20:42Caleb Hammer?

  No shit. You gotta put in the work. Show me your resume.

• 20:45Speaker 01

  My resume?

• 20:46Caleb Hammer?

  Show me your resume. It's the word I just said.

• 20:48Speaker 01

  Okay.

• 20:49Caleb Hammer?

  Guys.

• 20:51Caleb Hammer?

  If you want better value for money than apparently an economics degree and you actually want to learn something, our budgeting, investing, and our debt class are all bundled together at twenty five percent off. Make sure you guys check that out. Better value and you'll actually learn what the do with money.

• 21:08Speaker 01

  I don't have one that actually has all of my. Okay, I'll show you.

• 21:12Caleb Hammer?

  Then are we surprised we're not getting a job if you don't have a resume that shows all your?

• 21:15Speaker 01

  I do. It just doesn't have everything on it. Because you can only do one page.

• 21:21Caleb Hammer?

  Okay. All right, let's take a look.

• 21:24Caleb Hammer?

  So it's.

• 21:26Caleb Hammer?

  From Clemson. Okay.

• 21:28Speaker 01

  Go Tigers, baby.

• 21:29Caleb Hammer?

  LPL Financial Remote Junior Economic Consultant. So we had something.

• 21:33Speaker 01

  Mm hmm.

• 21:35Speaker 01

  And then before that, I was in like. Well, actually, at the same time, I was only doing contract work for LPL. And then during that time, I was also doing. Like.

• 21:45Caleb Hammer?

  Okay. Analyze financial data, generate reports, and then collaborate.

• 21:51Caleb Hammer?

  Avid exchange.

• 21:52Speaker 01

  That was a long time ago.

• 21:53Caleb Hammer?

  Intern somewhere. Yeah, I mean, the. Hmm. It's not really showing your skills very well is the thing. Um, and like Lululemon, I get it. I mean, it's showing that you're at least having something after that made twenty twenty three.

• 22:08Speaker 01

  Yeah, and I have another, but.

• 22:10Caleb Hammer?

  But this is like, I hate this. This is like demonstrated problem solving abilities in a fast paced environment. Lululemon, if I, I, I hire people, you know, we have like a thirteen person team now. I hire people. If I saw that, I'd chuckle. I'm chuckling right now. Ha, ha, ha.

• 22:23Speaker 01

  Well, I have to pay bills and I have to.

• 22:25Caleb Hammer?

  But it's just, I know, I get it. It's just like, it's not demonstrating anything. I would try to thicken up maybe that LPL and really.

• 22:32Speaker 01

  Take the bullet points off of.

• 22:33Caleb Hammer?

  Well, not necessarily. It's just like, it feels like a waste of a bullet point because seeing demonstrated problem solving at Lululemon, this is like.

• 22:41Speaker 01

  Well, I already have this big gap in my resume because like I said.

• 22:44Caleb Hammer?

  No, just figure out the. If you, listen, AI is not 100% great for a lot of things right now, but it'll at least give you the language oftentimes that are scanned through resume systems. So you can figure out the words and things you just need to have in here to get in touch with the recruiter in the first place.

• 23:00Speaker 01

  Yeah.

• 23:00Caleb Hammer?

  So it's just like, I don't know, you could probably just fill these with more algorithmic enticing language.

• 23:09Speaker 01

  Yeah.

• 23:11Caleb Hammer?

  Ah, cuz it does feel like a pretty mid resume. It's not horrible. Don't get me wrong.

• 23:14Speaker 01

  I thought it was good.

• 23:15Caleb Hammer?

  Ah, it's okay. So I wouldn't really know what I'm getting from you.

• 23:19Speaker 01

  That's true.

• 23:20Caleb Hammer?

  At least with this. I mean, you have a whole story at the top. Let's see. Looking to work with advanced tools like Google Sheets. Okay. Wow.

• 23:32Caleb Hammer?

  Great.

• 23:33Speaker 01

  Well, I can code.

• 23:35Caleb Hammer?

  Glad we focus on Google Sheets then.

• 23:37Speaker 01

  So take that off.

• 23:38Caleb Hammer?

  Not necessarily. This is how you constructed it, dude. It just reads silly. Okay, sure. I, I, what, the, the stuff on the right with your skills, with the data analyst and the programming, the software and research you can do. That's pretty good.

• 23:51Speaker 01

  Yeah.

• 23:52Caleb Hammer?

  That's pretty good. I don't know. The rest, I would really beef up that, the actual relevant job of what you're trying to apply into. Instead of having like, I don't know, especially the, I mean, the internship, it's okay. It shows past experience, but

• 24:03Speaker 01

  Yeah.

• 24:03Caleb Hammer?

  Says, I want, I want to beef up what you're currently working on.

• 24:05Speaker 01

  Sure.

• 24:06Caleb Hammer?

  And that thing at the top was so long. Okay.

• 24:08Speaker 01

  My summary?

• 24:09Caleb Hammer?

  Yeah. Okay.

• 24:12Caleb Hammer?

  Yeah, it was almost like a cover page, cover letter.

• 24:15Speaker 01

  I have that too.

• 24:16Caleb Hammer?

  Oh, as you should, and curated to the business in a more competitive market. That's fine. And obviously more than six jobs a week. Make sure it's curated for the job you're looking for and that it's being able to run through those algorithms.

• 24:26Speaker 01

  Six a day is crazy.

• 24:28Caleb Hammer?

  Do you want a job? You want to work in retail for the rest of your life? Well, it's not a bad thing if you want to. I don't care. But it sounds like you want a job.

• 24:36Speaker 01

  I do love my job, but.

• 24:37Caleb Hammer?

  So maybe you should do something about it and be an adult. I don't know. Okay. Self-assess. Where do you think you are today? Zero to 10. Zero being the absolute worst, 10 being the absolute best financially.

• 24:47Speaker 01

  Five.

• 24:47Caleb Hammer?

  I'm gonna burn this building down. I do. What?

• 24:51Speaker 01

  I'm like, not that bad.

• 24:53Caleb Hammer?

  I'm gonna just ruin everything.

• 24:55Speaker 01

  It's not that bad.

• 24:56Caleb Hammer?

  Are you stupid?

• 24:57Speaker 01

  It's not that bad.

• 24:58Caleb Hammer?

  You spent a thousand two hundred dollars more than you make. I don't know what you're talking about. And that's a substantial percentage. It's like an extra 20%.

• 25:08Caleb Hammer?

  What the are you possibly talking about? This is huge for financial audit for a year now. My team and I have worked with experts to create what I truly believe are the three best educational programs in the financial space online. We have our budgeting program where I teach you how to create, manage and revolutionize your budget and control your money. And then there's the investing program where I teach you to define what investing profile applies to you and your life. And then teach what specific investing strategies applies to you in that situation. And now finally, we have our debt program where I teach you the best ways to pay off debt, manage debt and even take advantage of good debt. This has been a revolutionary project that we've been working on for over a year now.

• 25:52Caleb Hammer?

  And just like over 10,000 people who've already taken our educational programs, you can now take advantage of all three of them bundled together at a 25% discount. I've heard from thousands of people now who've taken these classes and they've literally changed their lives for the better. And finally, you can too at a more affordable price. Head to Calebhammer.com or click the link in the description below. You will not regret this. If you want to be real about your life and get your own Hammer Financial Score and tell your real score. You can check that out, link in the description below. It's free. If you want to come on the show and you're not a complete dumb, go to Calebhammer.com/apply. Sorry, that's just so stupid. Not that bad. What's not that bad? What's not that bad? I don't get it. What's not that bad?

• 26:36Caleb Hammer?

  Here's a giant credit card with interest accruing. Oh, good. Oh, good. There's fees. Oh, you know what? The fees are enough. We better go ahead and purchase $2,612 essentially more than we make from our day job in a single month on a card that's accruing interest and getting damn fees. Does that make sense? Are you stupid? What? Eight dollars, four cents. Nine. Eight. Oh, am I getting old?

• 27:06Caleb Hammer?

  Eighty or ninety dollars of interest. I don't know. I think a line smudged, but then two thousand, six hundred, twelve dollars of purchases, also known as more than, comes in from Lu Lu Lemon.

• 27:18Speaker 01

  Yeah, well.

• 27:19Caleb Hammer?

  With the two hundred and fifty-six dollar a month, the minimum monthly payment, meaning you have to work Rover, or else you can't pay it.

• 27:27Speaker 01

  I think that like a couple hundred of that is, I have like a doctor's appointment.

• 27:33Caleb Hammer?

  Uh huh.

• 27:34Speaker 01

  And.

• 27:35Caleb Hammer?

  What's your health insurance situation?

• 27:37Speaker 01

  I have insurance.

• 27:39Caleb Hammer?

  Uh huh.

• 27:40Speaker 01

  I pay about, well, I have, what's the marketplace one?

• 27:44Caleb Hammer?

  Uh huh.

• 27:44Speaker 01

  I pay about three dollars a month, so.

• 27:46Caleb Hammer?

  Three, what's your co-pay? What's your deductible?

• 27:49Speaker 01

  It's probably pretty high.

• 27:52Caleb Hammer?

  What was your appointment? What is it? A brain scan?

• 27:55Speaker 01

  No, it was, it was to check my hormones.

• 27:58Caleb Hammer?

  What did they find out?

• 28:00Speaker 01

  Um, I have a genetic mutation, but my hormones are fine. But that my mom paid for because she was, um, she was concerned. And so I didn't have to pay for that. And so maybe that's where some of the money came in too. That's where I was going with that.

• 28:16Caleb Hammer?

  Five thousand, four hundred, twenty-one dollars and eighty-three cents is owed on here with a minimum monthly payment of two hundred fifty-six dollars and twenty-eight cents.

• 28:26Speaker 01

  Yeah.

• 28:27Caleb Hammer?

  These purchases are insane, insane. You are not a credit card person. You are not even close to a credit card person. You're allowing fees and interest to accrue, yet you spend more than you make from your day job in one month on here. Are you kidding me? You need to use something like the Fizz Card. It's meant for people like you. Anyway, it's, the benefits are catered more to, um, you know, younger adults like us. So use it. It's a debit card that builds credit because I'm sure you care about credit. Every line, there's so many line items and it's all, what are you getting from the Salvation Army? What are you getting?

• 29:06Speaker 01

  Well, I told you I just moved here.

• 29:07Caleb Hammer?

  Uh huh.

• 29:08Speaker 01

  So I had to furnish my apartment.

• 29:10Caleb Hammer?

  Why is everyone saying had to? When I'm.

• 29:12Speaker 01

  Sit on the floor.

• 29:14Caleb Hammer?

  Sure. When I moved here, I had a cheap air mattress. When I moved to Austin, trying to get out of debt, trying to make it, I literally had a cheap air mattress that I slept on that was popped halfway through for six months. Three months it was popped. So I inflated before I'd go to bed and luckily, uh, after I fell asleep, about an hour later it would deflate, but I was asleep, so it didn't matter.

• 29:35Speaker 01

  I bet women love that.

• 29:36Caleb Hammer?

  Well, I had a roommate, so we stuck to my car. At the time.

• 29:43Speaker 01

  But yeah, so I do love to thrift. That's probably my biggest vice.

• 29:46Caleb Hammer?

  Oh, it's thrifting. For sake, twenty-eight dollars there.

• 29:52Speaker 01

  Well, I don't wanna say my biggest vice, but yeah.

• 29:54Caleb Hammer?

  It's your biggest vice.

• 29:55Speaker 01

  Travel.

• 29:58Caleb Hammer?

  Apple bill, some in-app or a subscription or gems, who the? Rockin' something. Amazon, Amazon, Alamo Giraffe House, Ruby Tide Kitchen, Ruby Tide Kitchen, Spotify. You're spending a thousand two hundred dollars more than you make a month. Maybe you should use a free platform like YouTube. Eureka, car wash, great. You live in Austin. It's not sandy. It's not snowy. We don't get the salt.

• 30:22Speaker 01

  What?

• 30:23Caleb Hammer?

  Don't drop a bucket of water on your damn car.

• 30:26Speaker 01

  I drove my car across the country.

• 30:28Caleb Hammer?

  Where's across the country from North Carolina? You don't know what a cross means. You're halfway there.

• 30:35Caleb Hammer?

  McDonald's, more thrifting, Dollar Tree. Amazon, Denada. I like Denada. Place is good. Yeah, you can't afford it. I can. Sandy's Hamburgers. American air, oh, for. Seventeen hundred, seven, seven, seven hundred and seventeen dollars. Would you go? What are you going? What are you doing? Is that first class? Where are you going? There's so much. What? That's not funny. You're yourself. What are you talking about? Hey, guys, the big expense out here is a medical thing. It's American airlines. It's American. What?

• 31:11Speaker 01

  I'm going to Switzerland.

• 31:13Caleb Hammer?

  Oh, my. When? When? This is not funny. Shut the up.

• 31:20Speaker 01

  In January.

• 31:22Caleb Hammer?

  Your life is on the line here dude, and it's clearly all a joke to you. You don't give a

• 31:29Speaker 01

  I do.

• 31:30Caleb Hammer?

  No you don't. You're laughing through this like it's all a joke. Ha ha, I'm destroying my life. Giggle, giggle.

• 31:36Speaker 01

  No, I'm going to, I'm going to Switzerland in January for a ski trip.

• 31:41Caleb Hammer?

  Cancel it!

• 31:43Speaker 01

  No.

• 31:46Speaker 01

  It's cheaper to go there, it's cheaper to go there than it is to go to Colorado.

• 31:49Caleb Hammer?

  It's cheaper to not do any of it, you dumb human.

• 31:53Speaker 01

  Yeah.

• 31:56Speaker 01

  Yeah, but.

• 31:56Caleb Hammer?

  What do I do here then? What do I do here then? You don't make money, you just spend a thousand dollars and I know you're gonna spend more than that on this thing. What am I gonna do? You're not willing to sacrifice, you're not willing to sacrifice your biggest vice? You're not willing to sacrifice? You go into doing this thing, what am I supposed to do here? What am I supposed to do? What could I possibly do? What could anyone do? What could the producer do? Who, what could Lindsay do who's talking to you? What could Jake do who's making the spreadsheets? Whatever the editor is gonna do? What could we possibly do? What could anyone do? You're not willing to cancel your shit that you want the most. What could anyone do? You don't care, you're selfish.

• 32:29Speaker 01

  I do care.

• 32:30Caleb Hammer?

  No you don't, you're not willing to cut the biggest thing. What are you talking about?

• 32:34Speaker 01

  Well, I think, I think if I, I can just save.

• 32:38Caleb Hammer?

  Save? You spent a thousand two hundred dollars more than you make. What money are you saving?

• 32:42Speaker 01

  Because I, because I booked that trip.

• 32:45Caleb Hammer?

  It's seven hundred dollars. What's bigger, a thousand two hundred or seven hundred?

• 32:50Speaker 01

  That's, I mean, obviously a thousand two hundred, but I mean, it's not, I'm not doing that every.

• 32:54Caleb Hammer?

  You have a master's degree in economics, you're not stupid.

• 33:00Speaker 01

  Thank you for saying that. I just mean, that's not.

• 33:02Caleb Hammer?

  Then stop acting it.

• 33:04Speaker 01

  That's not happening every month though. I'm not doing that every month.

• 33:06Caleb Hammer?

  It doesn't matter, it doesn't matter. Do you not understand that a thousand two hundred dollars is more than seven hundred dollars on a monthly basis? Do you not understand that? You don't have to do this for you to spend more. You don't have to do this for you to spend more.

• 33:20Speaker 01

  But I wanna go.

• 33:22Caleb Hammer?

  I, whoa, what the do I even say to that? What do I even say to that? What? What do you want?

• 33:32Speaker 01

  Well, I mean, I'm

• 33:33Caleb Hammer?

  I am ready to just send you away. What do you want me to do?

• 33:41Speaker 01

  It's gonna be awesome.

• 33:44Speaker 01

  Because I can cut back in other areas, like

• 33:46Caleb Hammer?

  But you can't cut, it would be so much more to cut. Here's a money mistake that I see all the time. Having money just sitting in a checking account with a teeny tiny interest rate, doing nothing but gathering dust. If this sounds like you, or you're just looking to store your savings with the return you deserve, I've partnered with money.com to provide you a solution. With the right CD option, it's like putting your money into a high efficiency workout plan, except you don't have to do the sweating, your cash does. CDs typically offer higher interest rates than regular savings accounts, which means you earn more just by letting your money sit tight for a bit. Perfect for that portion of your savings that shouldn't be touched anyways. And here's the kicker, the options featured by money.com offer some of the most competitive rates out there. You get guaranteed returns and a variety of terms to choose from.

• 34:31Caleb Hammer?

  So you can find the perfect fit for your financial goals. So if you're tired of your low interest rates, check out the link in the description for money.com's list of the best CDs. Straightforward and your future self will thank you for that extra cash. So head to the link in the description of today's episode. This is a paid endorsement sponsored by money.com, which is compensated by its marketing partners.

• 34:50Speaker 01

  But I'm not gonna spend any more on it. I've already, like, I'm not gonna spend any more on it.

• 34:54Caleb Hammer?

  What do you mean, you're not gonna eat when you're there?

• 34:55Speaker 01

  Yeah, I'm gonna eat when I'm there, but not like crazy. I'm not gonna eat like at the resort.

• 34:59Caleb Hammer?

  What do you mean, you already eat like a fiend?

• 35:03Speaker 01

  No, I don't.

• 35:04Caleb Hammer?

  Kind of, you eat out like crazy?

• 35:06Speaker 01

  What's crazy?

• 35:08Caleb Hammer?

  I don't, no, I don't know. I called out all these restaurants on the first statement.

• 35:12Speaker 01

  Well, I just moved to Austin, that's why I went to Denada, that's why I went to the

• 35:16Caleb Hammer?

  Oh my, what the?

• 35:19Caleb Hammer?

  Oh, for sake. Why do, how are there, oh my gosh, if this show has exposed anything to me, it's just how many people like you are out there? How have we survived as like a species legitimately? How? And you're the qualified individual to speak on economics? How have we done this? How have we done this? How have we made it? Oh my. This is insane.

• 35:46Speaker 01

  I didn't think it's that bad.

• 35:48Caleb Hammer?

  I don't know how to respond to that. I don't know how to respond to any of this. What do you want me to say? These statements.

• 35:54Speaker 01

  Yeah, I know.

• 35:55Caleb Hammer?

  But I have fun. No, I'm not gonna, I'm not gonna spend any more money on it.

• 36:01Speaker 01

  I'm not.

• 36:02Caleb Hammer?

  You're gonna eat.

• 36:03Speaker 01

  Yeah, I'll go to the grocery store.

• 36:05Caleb Hammer?

  You're not though. I know how you survive.

• 36:08Speaker 01

  No.

• 36:08Caleb Hammer?

  You're gonna be. I just got to Austin. I have to go to Dinara. I just got to Switzerland. I have to go to.

• 36:18Speaker 01

  No. That's not gonna happen.

• 36:23Speaker 01

  I'll go to the grocery store.

• 36:24Caleb Hammer?

  No, you won't. You won't even know how to survive. This is all gonna be fish and bread.

• 36:29Speaker 01

  I'm okay with fish and bread.

• 36:33Caleb Hammer?

  So what happens when you take nothing seriously?

• 36:35Speaker 01

  I'm taking it seriously.

• 36:36Caleb Hammer?

  No, you're not. Shut the up. I'm done with you. Hey. Gosh, McDonald's, more threatening Dollar Tree, Amazon, Dinara's and his hamburgers. Oh, there's the American Airlines. Right. Terry's Black Barbecue, worst barbecue in Austin.

• 36:52Speaker 01

  Really?

• 36:52Caleb Hammer?

  Okay, third worst barbecue in Austin.

• 36:54Speaker 01

  Wait, what's the best?

• 36:56Caleb Hammer?

  Best?

• 36:56Speaker 01

  Yeah.

• 36:57Caleb Hammer?

  Methaway La Barbecue.

• 36:59Speaker 01

  Okay.

• 36:59Caleb Hammer?

  Ruby Thai Kitchen, Lululemon, eighty-two dollars. You work there. You, what you, that, that, that, what is that? You have to work whole shift to get that? What are you getting? Are you getting booty shorts? What are you doing? Gotta show off for all the, the, the new Austin dudes on the hiking bike? Gotta get out there, show off them glutes? That's what I do. I get out there and I'm like, ew. Everyone, look at me. I got my little Lululemon.

• 37:22Speaker 01

  Well, I guess I didn't need, but I wanted a new sweatshirt and.

• 37:28Caleb Hammer?

  Yes, for the ninety-degree October day.

• 37:32Speaker 01

  Well, it's about to cool off. It's about to cool off.

• 37:35Caleb Hammer?

  That's what they say.

• 37:36Speaker 01

  Yeah.

• 37:38Caleb Hammer?

  Why'd you move here? Why?

• 37:40Speaker 01

  Why?

• 37:41Caleb Hammer?

  If you don't want the heat. Shut up.

• 37:42Speaker 01

  I do like the heat.

• 37:44Caleb Hammer?

  You just cross your fingers. Charlie's Philly Cheese Stakes, great shirts.

• 37:48Speaker 01

  Oh, yeah.

• 37:49Caleb Hammer?

  Oh, good. Another fifty dollars from Lulu. What'd you get? What'd you get? Get a little sweatpants for your sweatshirt?

• 37:55Speaker 01

  Honestly, yeah.

• 37:56Caleb Hammer?

  Really?

• 37:57Speaker 01

  Yeah.

• 37:58Caleb Hammer?

  Amazon, twenty dollars, fifteen dollars, ten dollars sweatpants. They're fine. They're good.

• 38:03Speaker 01

  Yeah.

• 38:04Caleb Hammer?

  They're pleasant. I wear them.

• 38:07Speaker 01

  I just love it.

• 38:08Caleb Hammer?

  See, how do I legitimately, how do I interact with that? Are you, what are you doing right now? How do I react to that? How do I interact with that? Are you incapable? Do people go on dates with you? How do they have conversations? Or have you ever, has anyone ever enjoyed being around you? What are you?

• 38:27Speaker 01

  I would hope so.

• 38:28Caleb Hammer?

  I don't think so. You're impossible. You can't have a conversation. Have you ever had a serious conversation in your life? Have you ever had a discussion with a significant other? How do, how do they present things? I don't like this little thing that you do, but I like it. Oh, wow. How do people get through to you? How have you survived? I have no idea. You are a creature. I don't know. I don't know. I don't know how to do this conversation. I usually know how to navigate most of these conversations. I don't know what to do with you. I don't know what to do with you.

• 38:59Speaker 01

  Well, I think, well, that is part of the reason why me and my last significant other broke up.

• 39:13Caleb Hammer?

  Why? Because you couldn't listen to him?

• 39:15Speaker 01

  No, because I move a lot.

• 39:17Caleb Hammer?

  That's not what I even mentioned there. You are, you can't listen. You can't listen, and that's probably actually why. You kidding me? Oh. What do I have to be the one in the chair today?

• 39:35Caleb Hammer?

  I hate this. What?

• 39:37Speaker 01

  That bad.

• 39:38Caleb Hammer?

  Yes, this is miserable. You're impossible to get through. I have the biggest blessing in the world to have this job, but legitimately, this is miserable. You are impossible to talk to. You have no breakthrough. You are a brick wall of dumb.

• 39:56Speaker 01

  I'm trying.

• 39:57Caleb Hammer?

  No, you're not. Don't use that word. You don't know what the word try means. You've never heard of that word. It's the first time it's ever come out of your mouth and you don't even know what it means.

• 40:08Caleb Hammer?

  I don't know what to do.

• 40:09Speaker 01

  No, I it's not that. It's not that. Obviously, I've thought about it. Obviously, I've thought about it. I'm trying to take action.

• 40:15Caleb Hammer?

  But you're not. I'm so confused. You don't know what the word try means. Trying to trying to make action? No, you're not. It's not reflected in these statements. I don't I don't get it. Listen. You have pay overtime, pet boys and D H L stuff.

• 40:33Speaker 01

  Oh, yeah, actually. So.

• 40:35Caleb Hammer?

  Well, not D H L. It's done. About pet boys. Okay, and then you've had interest this year, basically eight hundred dollars from one card.

• 40:43Speaker 01

  Of interest?

• 40:43Caleb Hammer?

  Are you kidding me? You don't know how to look at a statement? You you said you looked at your documents two months ago. Are you kidding me? Are you kidding me? Go through our budgeting program immediately. I need you to go through a budgeting program on our debt program. It's not even an option. It's not even an option. I'll lock you down and make sure you watch that. Take the quizzes. You don't you didn't you didn't know? You didn't know? How did you not know?

• 41:07Speaker 01

  I don't know.

• 41:08Caleb Hammer?

  And twenty four dollars of fees. Okay, what was your fee? What was your fee? You had a plan fee. You had a plan fee. That's what it was. Probably for the financing.

• 41:15Speaker 01

  Wait, what?

• 41:17Caleb Hammer?

  What?

• 41:18Speaker 01

  What did I finance?

• 41:20Caleb Hammer?

  Pet boys.

• 41:21Speaker 01

  Oh, yeah.

• 41:22Caleb Hammer?

  The one we talked about two seconds ago?

• 41:24Speaker 01

  Sorry.

• 41:24Caleb Hammer?

  Uh huh.

• 41:26Speaker 01

  I thought I paid that off, though. Apparently not.

• 41:29Caleb Hammer?

  Four hundred seventy two dollars left on it. A substantial number.

• 41:33Speaker 01

  Okay.

• 41:33Caleb Hammer?

  You should not look at your documents. You lied. Oh, my gosh. Okay. I love the city double cash card. You

• 41:41Caleb Hammer?

  abused it.

• 41:43Speaker 01

  I did a balance transfer because I thought that I was gonna be able to.

• 41:47Caleb Hammer?

  Oh, she did it. You did the thing. You did the thing. You did the thing. You did the thing. You did it.

• 41:57Speaker 01

  I'm not supposed to do that? Oh, that's good.

• 41:59Caleb Hammer?

  Where'd you balance transfer from?

• 42:01Speaker 01

  Because.

• 42:02Caleb Hammer?

  Where?

• 42:03Speaker 01

  Where?

• 42:03Caleb Hammer?

  Did you balance transfer?

• 42:04Speaker 01

  From the Chase card.

• 42:05Caleb Hammer?

  Uh huh. What did you bring the balance down to on your Chase card when you balance?

• 42:09Speaker 01

  Initially, I think it was like double what's on there, probably like.

• 42:15Caleb Hammer?

  You brought it to double what's on?

• 42:17Speaker 01

  No, no, no. So it was double on the Chase card.

• 42:21Caleb Hammer?

  Hey. When you transferred from Chase to Citi, what was the remaining balance on the Chase card?

• 42:29Speaker 01

  I think like forty five hundred.

• 42:31Caleb Hammer?

  Really?

• 42:32Speaker 01

  Yeah.

• 42:32Caleb Hammer?

  So you've actually brought it down? Nope, you brought it up. Nevermind, nevermind. I forgot what number you had. Great. So it didn't even matter. It didn't even matter. You transferred and then it went up. This is what they do. This is what everyone does. Unless you fix the behavior that actually got you there in the first place. Then it doesn't matter. Then it doesn't matter. You transferred, then you had more room to spend. So you spent. Because we have to travel, we have to spend, we have to go to Day Nada, just move it off, then have to go to Day Nada.

• 42:59Speaker 01

  I thought that I was gonna give myself time.

• 43:01Caleb Hammer?

  Uh huh. How'd that go?

• 43:03Speaker 01

  Not well.

• 43:04Caleb Hammer?

  Hmm.

• 43:05Speaker 01

  Not well, but I really, so I still have the 0% interest on that card. So I'm like, I can still, I'm still doing the minimum on that. And then I'm paying more than the minimum on the higher one. On the chase card.

• 43:19Caleb Hammer?

  When was the last time you went on a date?

• 43:21Speaker 01

  Well, I just broke up with my boyfriend.

• 43:22Caleb Hammer?

  When?

• 43:24Speaker 01

  Like two weeks ago.

• 43:25Caleb Hammer?

  Oh, you haven't gone on a date. Sounds.

• 43:27Speaker 01

  No.

• 43:28Caleb Hammer?

  Next time you do, report back to me. If he allows a second one. I want to know how these conversations go, how you interact with humans. Because this is insane, but I'm hoping it's only insane because it's about your finances. But I don't know, man, you got a personality. That I, I cannot, I cannot. Deal with.

• 43:49Caleb Hammer?

  Great. Okay, so we are at $4,171.99.

• 43:53Speaker 01

  Yeah.

• 43:56Speaker 01

  Sometimes, sometimes for some of my flights, my dad will help me out. So it's not just me.

• 44:03Caleb Hammer?

  You're like chubby boys?

• 44:05Speaker 01

  Me?

• 44:05Caleb Hammer?

  Yeah.

• 44:06Speaker 01

  You can have someone in mind?

• 44:08Caleb Hammer?

  Yes.

• 44:08Speaker 01

  Who's that?

• 44:09Caleb Hammer?

  Okay. We'll bring you into the live stream and we have a chubby boy named New Brandon.

• 44:16Speaker 01

  Okay.

• 44:17Caleb Hammer?

  And he, can we bring him in real quick?

• 44:21Caleb Hammer?

  He's already mentally broken up with his girlfriend and he's gonna finalize it and he's ready to get back out there. And we can see what you guys look like and how you operate and.

• 44:34Caleb Hammer?

  And yeah, and then we'll see if you're.

• 44:38Caleb Hammer?

  Despicable to be around. We'll do that. Make sure you guys join the membership and we'll see. Brandon? Can you come in for a second? Hello?

• 44:50Caleb Hammer?

  You willing to go on a date with this young lady in a livestream?

• 44:53Speaker 02

  Uh, yeah, sure. Why not?

• 44:54Caleb Hammer?

  Okay, there we go. We'll make a plan. Okay?

• 44:56Speaker 02

  Cool. Nice to meet you.

• 44:57Speaker 01

  Hi, I'm-

• 44:59Speaker 02

  Brandon.

• 44:59Caleb Hammer?

  Oh, right. All right. Let's come on. Everyone keep it in their pants. Go. Go to the bathroom, figure it out, Josh. For fuck's sake.

• 45:10Caleb Hammer?

  That'll be fun. We'll do that in our membership. Make sure to join the membership link below. It helps fund the channel as ad rates are always up and down. Trust me, it helps us a lot. But we have a lot of fun things. It's where you can watch the post show as well. That's curious. This is actually gonna be, I, I, I am legitimate about this. This is a good test. So this is a good test. I want to see if you are, um, uh, if I can like, watch you have a conversation without wanting to punch something.

• 45:34Speaker 01

  Okay.

• 45:36Caleb Hammer?

  Forty-two dollars. Find him handsome?

• 45:39Speaker 01

  Yeah. Nice smile.

• 45:41Caleb Hammer?

  Good for Brandon.

• 45:43Caleb Hammer?

  Okay. Well, we'll discuss this more in the post show. Well, let's get back to the finances. We, we goon in the post show. Here is finances. If I can make it. Yeah, it's a zero percent until...

• 45:57Speaker 01

  I think December.

• 45:58Caleb Hammer?

  A year from now, essentially.

• 45:59Speaker 01

  Yeah, I like that card.

• 46:01Caleb Hammer?

  What is that?

• 46:02Speaker 01

  Because it's a zero percent!

• 46:04Caleb Hammer?

  Gosh, I'm sorry. I'm just being mean to you, but I do not like your personality. You are such a- What? There is no word to describe you. Hasn't been invented yet. I need, you're a bent. It's not a real word. I just made it up.

• 46:18Speaker 03

  Moist and bent. I'd love to see me tar at me.

• 46:20Caleb Hammer?

  Because you qualify for that. You need a new word. You're a bent. You are a disgusting bent. Not disgusting, but you're a bent.

• 46:27Speaker 03

  Bloody peasant!

• 46:28Caleb Hammer?

  Heinous bent.

• 46:30Speaker 01

  Heinous.

• 46:31Caleb Hammer?

  I don't- No, there's no words for you. What is this? What am I looking at? What am I looking at this?

• 46:35Speaker 01

  That's Venmo.

• 46:37Caleb Hammer?

  Okay, yeah, I know it's Venmo, but is this just your Venmo? Is this a Venmo? Credit card? What am I looking at?

• 46:41Speaker 01

  I was just- That's just my-

• 46:42Caleb Hammer?

  Okay, who are you Venmoing? Who are you Venmoing? What are you getting? How tall are you?

• 46:46Speaker 01

  I'm five nine.

• 46:47Caleb Hammer?

  Okay, Brandon's, I think, uh, five eleven, so it works.

• 46:50Speaker 01

  Nice.

• 46:51Caleb Hammer?

  We're the same height.

• 46:53Speaker 01

  Um, one twenty.

• 46:57Speaker 01

  Oh, what did I send money for? Probably Uber's, probably, hold on, I can't read it when you're-

• 47:03Caleb Hammer?

  Look at it then!

• 47:04Speaker 01

  Thank you. Oh, this is for the, this is for the, um, this is for the Switzerland trip. This top one. And then these, I think are Uber's or dinners.

• 47:15Caleb Hammer?

  What, what, what for the Switzerland trip? What about it?

• 47:17Speaker 01

  Uh, our stay.

• 47:19Caleb Hammer?

  Two hundred and five dollars? So, okay, so now we've gotten to almost a thousand. Has to be a thousand. I mean, you probably already spent something more, right?

• 47:25Speaker 01

  No, I haven't.

• 47:25Caleb Hammer?

  You're probably gonna need a special little outfit for all the Swiss.

• 47:27Speaker 01

  I haven't. I have only bought the flight and I've bought, uh, where we're staying.

• 47:32Caleb Hammer?

  You're gonna bring all your gear?

• 47:34Speaker 01

  Yeah.

• 47:35Caleb Hammer?

  That's probably gonna cost money.

• 47:36Speaker 01

  Yeah, probably. Probably like three hundred bucks.

• 47:38Caleb Hammer?

  Who are you looking? Look at me.

• 47:40Speaker 01

  Sorry.

• 47:41Caleb Hammer?

  Brandon's not over there yet. Calm down.

• 47:44Speaker 01

  Yeah, it'll probably, I mean, I'm gonna, I'm planning to save a little bit for that.

• 47:48Caleb Hammer?

  Oh. Well, here's the student loans for the degree we are incapable of using. Yeah?

• 47:54Speaker 01

  Yeah.

• 47:55Caleb Hammer?

  They're all on deferment?

• 47:56Speaker 01

  Mm-hmm.

• 47:57Caleb Hammer?

  Why?

• 47:58Speaker 01

  That's just what happened.

• 47:59Caleb Hammer?

  Wait, when did you graduate?

• 48:00Speaker 01

  Uh, with my bachelor's, twenty nineteen, with my master's, twenty twenty.

• 48:07Caleb Hammer?

  Okay, so you went to an income deferment so you could go f- round? You probably were like, "I make no money, please give me my income."

• 48:14Speaker 01

  No, I didn't put them in deferment.

• 48:15Caleb Hammer?

  No, no, no, no, you probably put them on an income repayment plan.

• 48:18Speaker 01

  Yes.

• 48:19Caleb Hammer?

  You're like, "Yes, I make no money because I wanna go travel the world, so please don't make me pay back the debt that I signed." That's great. I'm glad our resources are all being pooled for that. Wonderful.

• 48:28Speaker 01

  I am paying every month. I pay every month.

• 48:30Caleb Hammer?

  Instead of people who are low income because there's literally no other option for them.

• 48:33Speaker 01

  I am low income.

• 48:34Caleb Hammer?

  And they actually need, so you could travel!

• 48:36Speaker 01

  But technically, I am low income.

• 48:39Caleb Hammer?

  Yes! So you could do Australia, and Asia, and Switzerland, and Colorado, and then North Carolina, and here! So you could do all this. You chose that. This is not meant for you. It's meant for people who cannot survive, which it should be.

• 48:56Caleb Hammer?

  And now it's deferred because it's being challenged in court and I hope they strike yours down specifically. Just yours, the rest, it could go either way. I don't care. So I see the pros and cons.

• 49:09Speaker 01

  Wait, so. No, but I pay every month.

• 49:12Caleb Hammer?

  No, you don't. There's.

• 49:13Speaker 01

  Yes, I do.

• 49:13Caleb Hammer?

  Oh, hold on, maybe, hold on, but they're all, okay, well, you're be you're paying something that's not required because there's no due date. I don't think you, is she paying, do we have a statement? Is she paying?

• 49:22Speaker 01

  Yeah, it's in my, it's in my.

• 49:23Caleb Hammer?

  Meh.

• 49:24Speaker 01

  It's not much, but.

• 49:25Caleb Hammer?

  Meh.

• 49:27Caleb Hammer?

  What that does is not, okay. Yeah. How much? How much you put towards it?

• 49:32Speaker 01

  A month?

• 49:33Caleb Hammer?

  Mm hmm.

• 49:34Speaker 01

  I think maybe twenty six dollars.

• 49:39Caleb Hammer?

  Probably are not required to. They're all in the firm right now because they're being challenged in court. They're.

• 49:42Speaker 01

  So I don't have to pay that?

• 49:43Caleb Hammer?

  I don't know. Probably not. I would look before you don't. Is this another debt?

• 49:49Speaker 01

  No, that's my, wait, that might be my car loan. Nope, that's my checking.

• 49:53Caleb Hammer?

  Whoa, whoa, whoa, hold on, hold on. Car loan?

• 49:58Speaker 01

  Yeah.

• 49:59Caleb Hammer?

  We don't have a car loan. She didn't say anything about a car loan. We didn't know. You didn't tell us. There's nothing.

• 50:06Speaker 01

  Yes.

• 50:06Caleb Hammer?

  No, and I would not trust you. You're not a reliable narrator. What's your car loan? For sake?

• 50:13Speaker 01

  Um, it's.

• 50:15Caleb Hammer?

  Well, what's your car? Let's start there.

• 50:16Speaker 01

  Twenty nineteen Subaru Crosstrek.

• 50:19Caleb Hammer?

  Okay, I can't picture that car. What? What's owed on it?

• 50:21Speaker 01

  I think about seventeen.

• 50:23Caleb Hammer?

  Oh, for fuck's sake, that is, you can't afford that is.

• 50:30Speaker 01

  Okay.

• 50:30Caleb Hammer?

  When'd you get this?

• 50:32Speaker 01

  Like two years ago.

• 50:33Caleb Hammer?

  And what made you think you could afford this?

• 50:36Speaker 01

  Well, it's three hundred fifty bucks a month.

• 50:37Caleb Hammer?

  Yeah, because you put the, they are making so much money off of you. Congratulations. You are lifting the American economy from the ground. That's what you use your economic degree for. So you could just lift up the American economy.

• 50:50Speaker 01

  I need a car.

• 50:51Caleb Hammer?

  By stretching out your damn car loan, you needed a car. You didn't need a seventeen thousand dollar car loan. Two years ago, it was harder. Don't get me wrong, but either way, you stretch out your tone, your, your loan term so long, that way your minimum monthly payment could be lower. So it feels affordable, but your interest is just accumulating, accumulating, accumulating.

• 51:11Speaker 01

  Yeah.

• 51:12Caleb Hammer?

  Just like your income based through payment on student loans, you're paying less towards it. Guess what? They accumulate even more because you're putting nothing towards it. What's your interest rate on here?

• 51:21Speaker 01

  I would not.

• 51:21Caleb Hammer?

  How do you? Do you have credit?

• 51:23Speaker 01

  Maybe, maybe five.

• 51:25Caleb Hammer?

  You don't know. Pull up your credit. Do you have credit karma on your phone?

• 51:28Speaker 01

  No.

• 51:28Caleb Hammer?

  Great. Do you have it? How have you been able to survive that? Are you, are you supported by your parents or something? Have you? Oh, what is that face?

• 51:37Speaker 01

  No.

• 51:38Caleb Hammer?

  No, that has like daddy's girl written all over it. You seem like a daddy's girl. Do your parents know about all this? Are they in your life? I don't know.

• 51:47Speaker 01

  Yes, yes.

• 51:48Caleb Hammer?

  Do they know about this?

• 51:49Speaker 01

  They know. Well, yeah, they know like what I've been doing.

• 51:52Caleb Hammer?

  Are their finances good?

• 51:54Speaker 01

  My dad's a financial advisor.

• 51:56Caleb Hammer?

  Are you kidding me? Economic master's degree, financial advisor dad. What are we doing? We have failed. We're done. Drop the nuke. This is it. I want to give you free money right now. I've partnered with different resources that will literally give you hundreds of dollars the moment you sign up for them. Check out my investing app of choice, Mu Mu, where they give you up to 15 free stocks and 8.1% interest on your uninvested cash when you sign up with my link. Do you want a more traditional savings account? Check out where I keep my emergency fund, SoFi, where they'll give you 4.5% on your money and up to $300. Would you rather have automated investing?

• 52:36Caleb Hammer?

  Sign up for Acorns with my link and you'll get $20 right now instead of the usual $5 you'd get from your friend's referral. You can also sign up for our investing program and get $100 in cash deposited into your Mu Mu account. This is the best way to learn what your investing profile looks like and what investing strategies to use based on that. All of this free money is linked in the resources section of the description below, so don't pass up the free money because I'll punch you.

• 53:00Speaker 01

  But no, they're not supporting me. They pay, my dad, my dad pays for my phone bill.

• 53:04Caleb Hammer?

  That's a little, okay, that's not crazy.

• 53:06Speaker 01

  And then, but yeah, no, it's, it's, it's just me.

• 53:10Caleb Hammer?

  You have a roommate?

• 53:11Speaker 01

  Yeah.

• 53:11Caleb Hammer?

  Okay, because there would be no other option for you. Uh, okay. Um.

• 53:20Caleb Hammer?

  My producer said the only thing you ever said about a car was a totaled car. Do you have a totaled car?

• 53:24Speaker 01

  Um, no, I have totaled a car, but that was a while ago.

• 53:29Caleb Hammer?

  Okay, you don't.

• 53:30Speaker 01

  That's why I had to get.

• 53:31Caleb Hammer?

  And this, you're not a reliable narrator. This is impossible. You don't know what you're saying.

• 53:34Speaker 01

  No, I have this Subaru and then I.

• 53:36Caleb Hammer?

  I know, you just didn't tell them correct information.

• 53:39Speaker 01

  And then, well, my parents still support me, but like if I'm having, if I'm having like a bad day or something, I just remembered. My, my dad will sometimes just.

• 53:49Caleb Hammer?

  Bad day. What's a bad day?

• 53:51Speaker 01

  Why?

• 53:51Caleb Hammer?

  Wah wah, daddy.

• 53:52Speaker 01

  No.

• 53:53Caleb Hammer?

  Please daddy.

• 53:53Speaker 01

  No, not at all.

• 53:54Caleb Hammer?

  Daddy, I said.

• 53:56Speaker 01

  It's like a gift. Think of it like a gift.

• 53:57Caleb Hammer?

  Daddy, I just went on a date and he thinks I'm a crazy, so he's not going on a second.

• 54:01Speaker 01

  No.

• 54:02Caleb Hammer?

  Please.

• 54:02Speaker 01

  No, you know, it's like you're talking to your friend and you realize, oh, like they're going through something or whatever and you get them a little treat. It's like that.

• 54:10Caleb Hammer?

  Oh, for, okay. He gets you sweet treats. You have a sweet treat daddy?

• 54:14Speaker 01

  I guess so.

• 54:15Caleb Hammer?

  What, when, how often, how much?

• 54:17Speaker 01

  Not that much.

• 54:17Caleb Hammer?

  What?

• 54:18Speaker 01

  Maybe like once a month.

• 54:19Caleb Hammer?

  What, what does he get you?

• 54:20Speaker 01

  Like a hundred bucks.

• 54:22Caleb Hammer?

  Oh, that's a lot of money.

• 54:23Speaker 01

  No, it's not.

• 54:24Caleb Hammer?

  Hundred bucks? You have no respect for the dollar. Hundred bucks? I could do a lot with a hundred dollars. I could get many a sweet treat with a hundred dollars.

• 54:31Speaker 01

  That's true. That's why he sends it.

• 54:32Caleb Hammer?

  I got the entire office we treats today and delivered expensive, you know, and it was less than a hundred dollars. What are you talking about? A hundred dollars is a lot of money. What did, do, what?

• 54:41Caleb Hammer?

  You have, what's your hourly rate? You creature? What is it?

• 54:46Speaker 01

  Seventeen fifty.

• 54:52Caleb Hammer?

  You have to work almost six hours to get that. Well, and then after taxes, I mean, you probably have to work. Like seven, eight.

• 54:59Speaker 01

  Yeah.

• 55:00Caleb Hammer?

  Gotta work a whole damn day just for that. And that's not a lot of money.

• 55:02Speaker 01

  It's helpful.

• 55:03Caleb Hammer?

  I just don't like that you don't have respect for the dollar.

• 55:05Speaker 01

  I didn't mean it like that.

• 55:06Caleb Hammer?

  Yes, you said, you said it's not a lot of money. What do you mean? What do you mean?

• 55:08Speaker 01

  No, it's a nice thing. It's a nice thing.

• 55:10Caleb Hammer?

  Sure, but what else could that mean? I don't think that means anything else. I was gonna set you up with domain money. We set everyone up that we think could work the financial advisor to domain money. They're my financial advisors. They're great. I love them. You have a dad as a financial advisor. Talk to him. Does he know about your situation?

• 55:27Speaker 01

  Like that I'm in debt?

• 55:30Caleb Hammer?

  What does he know about your financial situation?

• 55:32Speaker 01

  He knows. He knows that I'm in debt. He probably doesn't know the exact number.

• 55:36Caleb Hammer?

  Does he know that you sent twelve hundred dollars more than you like on the aces?

• 55:40Speaker 01

  Probably not.

• 55:41Caleb Hammer?

  Should we call him in the.

• 55:44Caleb Hammer?

  Maybe we'll give them a call on the post show. Oh, for fuck's sake. Okay, so this is your checking account. Two thousand in there. It's not a, it's not a bad balance I have in a checking account. It's, it's not. Venmo, two hundred dollars out. Oh, was that for the?

• 55:57Speaker 01

  Yeah.

• 55:58Caleb Hammer?

  Yeah.

• 56:00Caleb Hammer?

  That's it? Oh, your checking account's not much. Okay, it's this money back and forth. So you only spend on the credit cards. A credit card that is accruing interest.

• 56:06Speaker 01

  Yes.

• 56:07Caleb Hammer?

  Credit card that has fee. A credit card that is not even close to being paid off. A credit card that you spent more than what you make on a monthly basis. I think you can only spend on a debit card. You don't know how money works. You don't know how money works. I think you can't. I think you need to close your credit card.

• 56:23Speaker 01

  What?

• 56:23Caleb Hammer?

  Yeah. Yeah?

• 56:25Speaker 01

  What about like the points?

• 56:26Caleb Hammer?

  Do you think you got more than eighty dollars in points this last month? City Double Cash is two points on purchases.

• 56:34Caleb Hammer?

  Purchase a thousand five hundred.

• 56:41Caleb Hammer?

  Got thirty dollars in points, but it costs you eighty dollars in interest. The fuck are you talking about?

• 56:46Speaker 01

  I didn't know that.

• 56:47Caleb Hammer?

  How are you alive? Closed what? What?

• 56:53Speaker 01

  My credit card?

• 56:54Caleb Hammer?

  Yeah, you just, you, listen, you, you, you transferred it to another credit card. Your balance transferred. And then you racked it back up again.

• 57:02Speaker 01

  Yeah.

• 57:02Caleb Hammer?

  You don't know how to manage. You can become a credit card person. You absolutely can be, but you need to prove that you can in like a debit account for at least like six months. You need to prove you have the discipline that you can budget, that you know what you're doing.

• 57:13Speaker 01

  Yeah.

• 57:13Caleb Hammer?

  With your credit card, just over spending, you're destroying your life. It's allowed you to do the twelve hundred dollars more than you make on a monthly basis.

• 57:22Speaker 01

  Yeah.

• 57:23Caleb Hammer?

  It gave you that ability. This looks like the first. Oh, well, there it is. Never mind. It looked like you were taking this seriously.

• 57:30Speaker 01

  No, I am. I am.

• 57:31Caleb Hammer?

  Like it actually hit you. It looked like for a second.

• 57:33Speaker 01

  I didn't realize it's like.

• 57:35Caleb Hammer?

  It came back the smile, the little like.

• 57:37Speaker 01

  That's just.

• 57:40Speaker 01

  I think I didn't realize, obviously, I didn't realize that I didn't have that money already. So I think I thought I was spending less than what I was earning.

• 57:50Caleb Hammer?

  Vanguard, oh, wait, why is there twelve dollar, wait, what's happening?

• 57:56Caleb Hammer?

  Do you not have enough money in here, so Vanguard's giving you a twelve dollar fee?

• 57:59Speaker 01

  What? No.

• 58:00Caleb Hammer?

  Oh, there's a twelve dollar fee.

• 58:03Speaker 01

  Um, oh, probably because I just opened it.

• 58:06Caleb Hammer?

  Okay, maybe.

• 58:07Speaker 01

  And also.

• 58:08Caleb Hammer?

  On the may include record keeping administrative or purchase redemption fees.

• 58:13Speaker 01

  I also have a Roth IRA, I just couldn't remember the long in information.

• 58:15Caleb Hammer?

  How much is on it?

• 58:17Speaker 01

  About twelve thousand dollars.

• 58:19Caleb Hammer?

  Whoa, what? That you did, from where? Your, your parents had nothing to do with that?

• 58:27Speaker 01

  No, well, I mean, my dad invested it for me.

• 58:30Caleb Hammer?

  Where'd you get the money from?

• 58:32Speaker 01

  I just, just put it in there, like I said.

• 58:35Caleb Hammer?

  Where'd you get the money from? You spend more than you're making, you have debt, that doesn't make any sense.

• 58:37Speaker 01

  But it was a while ago.

• 58:38Caleb Hammer?

  Wow, when's a while? Why'd you [__] your life since then? That all of a sudden is incredible.

• 58:44Speaker 01

  Yeah, probably like five years ago.

• 58:46Caleb Hammer?

  When was the last time you contributed to it significantly?

• 58:48Speaker 01

  Significant, nah, it's been a while.

• 58:50Caleb Hammer?

  So why were you in a better place at twenty-one than you are at twenty-six? What made you digress to a child?

• 58:57Speaker 01

  So, um, here's what happened.

• 58:59Caleb Hammer?

  I decided to travel and hate everything, okay.

• 59:01Speaker 01

  No, I put about three thousand dollars in there when I first opened it, and then when I was working for another company, I had a 401K that was vested, and then I had to.

• 59:10Caleb Hammer?

  That you contributed in the match?

• 59:11Speaker 01

  Yeah, and so then they my dad told me that it would be a good idea to roll it over.

• 59:18Caleb Hammer?

  Once you were done with that job? Okay, that's a little different, because the match helps and it's, okay. Well, it's 401K.

• 59:26Speaker 01

  And I still, I still contribute to.

• 59:27Caleb Hammer?

  What is this Vanguard for?

• 59:29Speaker 01

  That's my current 401K.

• 59:31Caleb Hammer?

  Okay, it's pretty low, six hundred, seven dollars. What, what's, what's your percentage contribution?

• 59:36Speaker 01

  I think fifteen.

• 59:37Caleb Hammer?

  Wait, when did you start? It's so weird that there's like this shiny little thing. And we didn't even know this, like, we don't have a document for you.

• 59:46Speaker 01

  Because I couldn't remember the password.

• 59:47Caleb Hammer?

  Okay, cool, cool, cool, but like, I'm so confused how everything is so bad, yet there is this shiny little thing. This must be the financial advisor part of the dad, right?

• 59:55Speaker 01

  Yeah. Hey, I mean.

• 59:59Caleb Hammer?

  Either way, it's not going to save you, though, if in your life outside of your investments are all you know, barely scraping by for that getting worse.

• 1:00:06Speaker 01

  Yeah. Um, I think that 401k started.

• 1:00:12Caleb Hammer?

  Jake thinks you might need to get your PhD in economics in order to remember your passwords.

• 1:00:16Speaker 01

  That's my dream.

• 1:00:18Caleb Hammer?

  No, it's not.

• 1:00:18Speaker 01

  Yes, it is.

• 1:00:19Caleb Hammer?

  You can't teach people.

• 1:00:20Speaker 01

  Why? That is my dream.

• 1:00:23Caleb Hammer?

  And you're gonna do what with that?

• 1:00:25Speaker 01

  Be a teacher, professor.

• 1:00:26Caleb Hammer?

  Oh, good thing you don't not apply for jobs.

• 1:00:34Caleb Hammer?

  Let's figure out if you have some wiggle room in this, this here budget. Let's make a budget. Okay, so income. We think we need to set some money aside from, um, uh, from that rover. We have to. So I'm setting 400 of that 1400 aside, okay?

• 1:00:48Speaker 01

  Okay.

• 1:00:49Caleb Hammer?

  And it might not even need to be that much. Put it in a high-yield savings accounts like SoFi.

• 1:00:53Speaker 01

  A month?

• 1:00:54Caleb Hammer?

  Yeah, of the 1400 that comes in.

• 1:00:56Speaker 01

  Okay.

• 1:00:56Caleb Hammer?

  Well, especially since you need to play catch-up anyway, but as we're playing for, like, if there is a significant bill due, you know, we tried a budget for, or we, uh, get an extension and then we just pay it as soon as we can, but we're always saving up for this next year's taxes. It might be overboard for your income situation, but even still, because so much of it is contractor.

• 1:01:19Caleb Hammer?

  If it's in a high-yield savings account and there's a little left over at the end of the year, great. You know, this is bonus, I guess. Not, not actually, but. So we're gonna do 3,500 to your income. Debt payments, okay. Six hundred seventy-four dollars and twenty-eight cents. That's insane. What's your portion of rent?

• 1:01:40Speaker 01

  One thousand one hundred.

• 1:01:42Caleb Hammer?

  Your portion? Is how much?

• 1:01:45Speaker 01

  One thousand one hundred forty.

• 1:01:48Speaker 01

  Is that too much?

• 1:01:49Caleb Hammer?

  For you? In this situation, your portion of utilities?

• 1:01:55Speaker 01

  It's all together, like.

• 1:01:56Caleb Hammer?

  Come on, try. Oh, oh, okay, uh, all utilities? All utilities. You don't have a single extra payment?

• 1:02:03Speaker 01

  No.

• 1:02:04Caleb Hammer?

  Okay. Renters insurance, is that included as well? You have that part of it? You don't, you don't need it in Texas legally, but you should get it.

• 1:02:12Speaker 01

  I don't have it.

• 1:02:13Caleb Hammer?

  I'm putting an extra 15 bucks, okay?

• 1:02:14Speaker 01

  For renters insurance?

• 1:02:15Caleb Hammer?

  Yeah, it's cheap, but get it. Your phone bill, you don't have to take care of it. When you do, use helium. It's the same towers as T-Mobile, fifteen bucks a month. I love them. They're great. They help people when they're trying to budget. Gas, vroom, vroom, drive, drive. How much on a monthly basis? Best guess?

• 1:02:32Speaker 01

  Probably two hundred dollars. That's it. That's generous.

• 1:02:36Caleb Hammer?

  Sure. Car insurance?

• 1:02:37Speaker 01

  One forty.

• 1:02:39Caleb Hammer?

  It's not horrendous. Necessary food, you can do three hundred dollars. Congratulations, you're only going to the grocery store. You're new and single. If you want to go out to eat, have someone else pay for it. Winky face, winky face. Okay, you know what I mean? I'm also kind of joking before someone gets offended, pearl clutches. TP fund, anything else you need? It's a hundred bucks. This could be makeup. This could be all the, you know, womanly necessities and, um, you know, everything else you need to survive. Okay, medical healthcare, anything, uh, required on a monthly basis? Copays?

• 1:03:11Speaker 01

  Yeah, I mean, I pay about sixty plus thirty, so about ninety dollars a month for medication.

• 1:03:19Caleb Hammer?

  Okay. And then how much was it for your health insurance?

• 1:03:22Speaker 01

  Three dollars.

• 1:03:23Caleb Hammer?

  So ninety-three?

• 1:03:23Speaker 01

  Mm-hmm.

• 1:03:24Caleb Hammer?

  Okay, gym?

• 1:03:26Speaker 01

  Uh, that's covered by my work.

• 1:03:28Caleb Hammer?

  You have any pets?

• 1:03:29Speaker 01

  No.

• 1:03:30Caleb Hammer?

  I wouldn't yet, okay?

• 1:03:31Speaker 01

  I'm not.

• 1:03:32Caleb Hammer?

  Good, why?

• 1:03:33Speaker 01

  Because I love walking dogs. Like, that's where I get my fix.

• 1:03:36Caleb Hammer?

  Okay, okay.

• 1:03:36Speaker 01

  I know.

• 1:03:37Caleb Hammer?

  Good, good, good. I just, I don't want you to in your financial position. It's expensive to properly take care of them. Anything else I need to put in your budget that I do not have yet?

• 1:03:46Speaker 01

  Not that I can think of. Maybe like an emergency fund. Is that what that, is that what that four hundred dollars is for?

• 1:03:51Caleb Hammer?

  Uh, or four hundred, or four hundred.

• 1:03:53Speaker 01

  Oh, that's for taxes. Never mind.

• 1:03:56Caleb Hammer?

  Yeah.

• 1:03:57Speaker 01

  Sorry.

• 1:03:58Caleb Hammer?

  Yeah, it's, I'm sorry that it doesn't say Rover fee next to it.

• 1:04:04Caleb Hammer?

  Couple months, two months, two months of that, go into a savings account, okay? So that you have some baseline in case something happens, okay? That'll get you about a thousand six hundred, okay? So your first two months is all into the savings account. Month number three, we are gonna start with...

• 1:04:24Caleb Hammer?

  Wish we knew the interest rate on your car. We're gonna attack the Sapphire first. Well, actually, let's see how long that takes to pay off.

• 1:04:31Caleb Hammer?

  That'll be about 5,300. No more spending on cards. Again, I would close them for you because you're just really not responsible.

• 1:04:39Caleb Hammer?

  That takes six months to pay off. So we are nine months and the interest starts on Citi, but it's not back interest, I think. So with that, that's okay. So that takes six months to pay off and then the interest card is gone. And then we actually have an extra 250. So we're over 1,000. We're at about 1,100 left on a monthly basis. Then we have the Citi double cash, probably about 3,800 then. And we have 1,100. We pay that off in three and a half months.

• 1:05:07Caleb Hammer?

  So we're at, we're gonna call it conservatively a year and one month. Okay?

• 1:05:12Speaker 01

  Okay.

• 1:05:12Caleb Hammer?

  Your car payment, your, your, your car is too much. So I want to start making some progress on that. Your payment itself is not. We could probably minimum, minimum monthly payments on the student loans. Because they're probably at a low interest rate.

• 1:05:25Caleb Hammer?

  Especially for when you took them out. Okay.

• 1:05:29Caleb Hammer?

  Maybe we aggressively pay 7, 7,000 dollars down on that car, try to get it to about 10,000 dollars. Then we minimum monthly tell it pays off. So let's call it, we're going hard, we're going crazy for a year and a half. Okay? A year and a half. And then probably let's call it another half. So two years total because the second half of that second year, you're saving up your fully funded emergency fund, which is six months of your living expenses. Okay?

• 1:05:54Speaker 01

  Okay.

• 1:05:54Caleb Hammer?

  So, two years. And you're actually in a good spot and then you're still like one year younger than, oh wait, no, you'll be my age. No. You'll be one year younger than me. So you still have a lot of life to live. Okay? You'll be 28 at that point. And you have a long time and we can start catching up on, your investments are still behind for your age. I am shocked by that little that came in with the Roth IRA. But what?

• 1:06:19Speaker 01

  I'm behind?

• 1:06:20Caleb Hammer?

  You only have 15,000 dollars.

• 1:06:22Speaker 01

  Yeah.

• 1:06:22Caleb Hammer?

  It's not gonna get.

• 1:06:25Speaker 01

  Compounding interest.

• 1:06:27Caleb Hammer?

  Economic degree of work.

• 1:06:31Caleb Hammer?

  Okay.

• 1:06:36Caleb Hammer?

  Okay, so we start contributing twenty percent, okay? Twenty percent.

• 1:06:42Speaker 01

  Uh, my 401k?

• 1:06:44Caleb Hammer?

  Retirement accounts in general, but sure, 401k.

• 1:06:46Speaker 01

  So I could do like five percent IRA, fifteen.

• 1:06:49Caleb Hammer?

  I would at least take your match, whatever's necessary for your match.

• 1:06:51Speaker 01

  Yeah, six.

• 1:06:52Caleb Hammer?

  If there's a match, we also just need to get a better job, dude. You have a degree, you have a master's degree. They might see that you're overqualified, thinking that you're gonna get into a job and then leave it quickly. That's what they might see when they see that master's degree, okay? That's kind of the hard part, sometimes about a master's. Um, without going all the way to the PhD, or, or instead getting the masters, potentially while you're already in a career. It gets a little complicated, it gets weird, put yourself in a weird position.

• 1:07:18Caleb Hammer?

  Okay, but that could, one, speed up the process, but two, you, you know, are in a place where you should get a better job. Uh, for your career that you want to do. So that's okay, but two years and you're in a baseline place and you have a great rest of your life left. Pull up your LinkedIn, I wanna actually see these applications. I wanna see what you're actually doing, I wanna believe this.

• 1:07:41Speaker 01

  I've also been applying for-

• 1:07:42Caleb Hammer?

  Not gonna let Brandon go on a date with someone who's not applying to jobs. No, I don't want him to all of a sudden just get someone that's gonna live on his couch.

• 1:07:50Speaker 01

  So I'm not only applying on LinkedIn, but here's my LinkedIn.

• 1:07:54Caleb Hammer?

  You're the one that brought up LinkedIn.

• 1:07:56Speaker 01

  I'm applying on like, just regular, uh, career, career stuff. And, yeah. Just like regular websites for jobs.

• 1:08:07Caleb Hammer?

  Applied on website one month ago. Year ago, year ago, year ago, year ago, year ago, two years ago, two years ago, two years ago, two years ago. You fucking lied to me, three years ago.

• 1:08:17Speaker 01

  I'm not, I don't apply on LinkedIn.

• 1:08:19Caleb Hammer?

  Okay, let's see. In progress, none. Saved, two. Archived, maybe that. No longer accepting jobs, hmm, I can't see when these were. I wish I could see when these archives were.

• 1:08:32Caleb Hammer?

  But even still, the in-progress scene that there's not, or, or, applied scene that there's nothing sooner than one month, one month ago, they wouldn't have all been archived. If you're applying to at least a few a week, they wouldn't have all been archived. You would have had one from like yesterday.

• 1:08:46Speaker 01

  No, it's, I didn't apply to any yesterday.

• 1:08:48Caleb Hammer?

  You get my point, though.

• 1:08:50Speaker 01

  Yeah.

• 1:08:50Caleb Hammer?

  Even a couple of days ago, there would have been something. And it was for yoga instructors. There's nothing on your resume to suggest anything related to yoga.

• 1:08:58Speaker 01

  I have a different resume.

• 1:08:59Caleb Hammer?

  Let me see that resume.

• 1:09:01Speaker 01

  That's for my, that's for like strictly yoga teaching.

• 1:09:04Caleb Hammer?

  No.

• 1:09:05Speaker 01

  I also just remembered, um, I'm going home for Christmas, so I need to pay for my plane ticket home.

• 1:09:12Caleb Hammer?

  Budget it in. I'm not horrifically opposed to that.

• 1:09:17Speaker 01

  Yeah.

• 1:09:17Caleb Hammer?

  But you're gonna, you're doing frontier, you're cheaping it up.

• 1:09:20Speaker 01

  Yeah.

• 1:09:22Caleb Hammer?

  And I don't want dad to pay for it, but.

• 1:09:24Speaker 01

  But what about gifts?

• 1:09:25Caleb Hammer?

  You're not doing gifts. Don't be dumb. Shut the up.

• 1:09:27Speaker 01

  Gifts?

• 1:09:28Caleb Hammer?

  Make something. You don't be stupid. Give yourself the gift of getting on the debt instead of being the failed child. How about that? Dad would appreciate that.

• 1:09:39Speaker 01

  Yeah.

• 1:09:40Caleb Hammer?

  Mm-hmm. How long does it take to find a resume?

• 1:09:42Speaker 01

  Um, because I haven't used it in a while.

• 1:09:45Caleb Hammer?

  You just applied for that job.

• 1:09:46Speaker 01

  Well, I have, look at here. How about this? I'll show you. These are all of my resumes and cover letters that I am making for other jobs.

• 1:09:53Caleb Hammer?

  Making?

• 1:09:55Speaker 01

  Yes. I cater them.

• 1:09:58Caleb Hammer?

  Oh, but it won't show me when this was used last, last opened, at least on here.

• 1:10:04Speaker 01

  Hmm. I promise I'm not lying about applying. I definitely do not have not been applying for enough.

• 1:10:10Caleb Hammer?

  Okay. For what it's worth, you've opened four of them today. The other ones were open weeks ago.

• 1:10:17Speaker 01

  Yes, because I like to use the same ones and then edit it a little bit.

• 1:10:20Caleb Hammer?

  Okay. Okay. Okay. Listen, I think you just need to apply more. Make sure they're catered. I'm not necessarily opposed to that. I mean, I am glad you're doing six a week. You know, I'm definitely, uh, pushing your buttons, but, um,

• 1:10:37Caleb Hammer?

  more than six a day, you need to get that better job, okay?

• 1:10:40Speaker 01

  Okay.

• 1:10:41Caleb Hammer?

  Because you have the degrees necessary, the qualifications, and you want to work a better place. That gives you the ability to get out of this quicker. Even though you already have the ability to do it in two years, if you're not just, you know, putting all your wants above what you actually need. Okay?

• 1:10:58Speaker 01

  Okay.

• 1:10:58Caleb Hammer?

  So stop being a child and you can actually get there.

• 1:11:03Caleb Hammer?

  We'll talk about this date in the post show. Maybe we'll call the dad in the post show. Yeah, we'll talk more about that. Oh, it's gonna be interesting because I want to see how you, if you're the same kind of entity. I don't know. You, it feels like you kind of came down to earth in the last 10 minutes or so, which I appreciate. Feels like it at least hit home. Maybe it took a lot to break you down more than normal. But I really, I did not like this conversation, at least for the first 40 minutes. You feel a little better now. Spending a budget, overspent, zero out of 10 debt. Adding more to that. Sapphire, I can't give it better than a two. For your situation.

• 1:11:45Caleb Hammer?

  Car's actually pretty bad. Okay, one. Emergency fund. Took it all out, zero. Retirement, definitely behind for your age. Going to give you a for your income for where you are and everything. Well, just in retirement, where you want to be in general is going to be a two. Real estate, zero out of 10.

• 1:12:02Caleb Hammer?

  What? You said five out of 10. Hammer finance score rounded up. One out of 10. Guys, make sure to join the membership. Join us for the post show and everything else. It's gonna be super fun. Uh, that's where we get into all the tears. Okay? Tears, tea. I'm losing it because of you. Oh, okay. And make sure to check out our investing, budgeting and debt program. It's all 25% off. I'm losing my damn mind. Let's go into the post show. Is everyone excited for the date?

• 1:12:32Speaker 01

  One that I'm going on a date with?

• 1:12:33Caleb Hammer?

  Yeah.

• 1:12:34Speaker 01

  Okay. When is the date happening?

• 1:12:35Caleb Hammer?

  We'll do the live stream right after this. But we have something so horribly juicy with Brandon. A lady is coming in. All of us are going to be in here watching their date with you, commenting on it. It's gonna get crazy. This is happening while he has not broken up with his girlfriend. The next Tuesday is we'll do that. Well, if you're a pro member, get on to Elite or VIP.

• 1:12:59Speaker 01

  This is gonna be wild. That's scary, no?

• 1:13:02Caleb Hammer?

  Alright guys, I get it. You need more financial audit. So, we've decided now, in our membership below, you get two exclusive, see nowhere else, uncensored financial audits every month. Again, 384 came in from your job. How much do you think you spent?

• 1:13:19Speaker 04

  How much did I make? 384?

• 1:13:21Caleb Hammer?

  You don't think you overspent?

• 1:13:22Speaker 04

  Oh, I probably, I guess I did, yeah. Seven, maybe, I don't know.

• 1:13:27Caleb Hammer?

  Also, three post-shows a week for every financial audit. You're seeing right here on YouTube. In the post-show, we have an extra 20 minutes for every single episode where we go into more drama. We can't find you on Facebook. Did you block me on Facebook?

• 1:13:38Speaker 03

  No, no way.

• 1:13:40Caleb Hammer?

  You can join Hammer Pro where you get every financial audit post-show for every episode. Priority replies to comments, custom loyalty badges, and special channel emojis for the comments section. And then there's Hammer Elite if you're wanting more. And that comes with everything from Hammer Pro. Extra behind the scenes content. Jake just got a delivery of a sword.

• 1:14:02Caleb Hammer?

  A member stream every single Tuesday with myself and the crew. He could break up with her today. He's already decided to five weeks ago. He could break up with her today. Why is he not?

• 1:14:12Speaker 02

  Because her birthday is coming up. When though? Two weeks, two weeks.

• 1:14:15Caleb Hammer?

  Thanksgiving's after that, a couple weeks after her birthday, then Christmas is only a couple weeks, then New Year's, and then MLK Day.

• 1:14:24Speaker 02

  Wonderful human. Guys, she's just not. Wonderful, wonderful human. I do love her. She is a wonderful person. I like, like her. No, she's a great person. Here's the thing. Great person, it's just she.

• 1:14:38Speaker 02

  We know she's a good person. Wonderful, wonderful human.

• 1:14:44Speaker 02

  But she's just so into me and she always wants to hang out. No, wait a minute, wait a minute.

• 1:14:49Caleb Hammer?

  Random but frequent private streams with me throughout every week. Monthly member raffles for exclusive merch and two exclusive, uncensored, ad-free financial audits every month. And then for those who only go top level, there's Hammer VIP, which comes with everything from Hammer Elite and Hammer Pro, plus a thank you in the pinned comment of every public financial audit episode, be an exclusive beta tester on our newest products we're working on, and a custom thank you letter from me personally mailed to you after a year. Members help us maintain stability during the ups and downs of ad raids, and this helps us invest in making the main show even better with every passing month.

• 1:15:26Speaker 02

  Join the membership, guys. Even Dave's a part of it.