I’m Done With Financial Audit

▶Bundle my budgeting, debt + investing program for 15% off: https://calebhammer.com/classpack/ ▶▶WE FOUND OUT SHE HAS TO PAY HER MOM BACK *THOUSANNDDDSSSS* ... this is insane... we have to confront her somehow, watch the post show here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services. Click this link https://j.moomoo.com/Caleb to get up to 15 free stocks from moomoo U. S when you make a qualified deposit + earn 8.1% on uninvested cash for a limited time for new users!! Terms & Conditions Apply Download the CFO’s guide to AI and Machine Learning for FREE at https://netsuite.com/HAMMER You can try invideo AI for free, but if you are serious about video creation you should get a paid plan that starts at just $20/month which is the one that I have and it will remove the watermark + give you access to voice cloning and high quality stock footage. Just go to this link https://invideo.io/i/CalebHammer and use my code CALEBHAMMER50 to get twice the number of video generation credits in your first month. ▶▶▶Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶EDUCATION: 1) Bundle my budgeting, debt + investing program for 15% off: https://calebhammer.com/classpack/ 2) The best budgeting program online: https://calebhammer.com/budget 3) Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing 4) Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula 5) Get your own free Hammer Financial Score: https://www.calebhammer.com _______________________ ▶RESOURCES 1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link 3) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 4) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer 5) The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 6) Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today! 7) Helium Mobile: save a ton on your phone bill, sign up and get 30 days of FREE trial when using promo code CALEB https://hellohelium.com/ 8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer _______________________ ▶OTHER CHANNELS: 1) Your Week In Money: https://www.youtube.com/@calebhammeryourweekinmoney 2) Financial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Speaker 00

  Now streaming on Paramount Plus.

• 0:02Speaker 01

  I'm Dexter Morgan. I've been killing killers for half my life. It gets to you. You're having a midlife crisis. I'm not ready for this.

• 0:11Speaker 00

  He's back.

• 0:12Speaker 01

  I'm older. I'm wiser.

• 0:15Speaker 00

  And sharper than ever.

• 0:17Speaker 01

  Things are gonna get messy. But if I can't believe in myself, I can't believe in anything.

• 0:24Speaker 00

  Dexter Resurrection. New season now streaming on the Paramount Plus Premium Plan.

• 0:31Speaker 02

  Glimmer, the new eau de parfum by Estee Lauder. An amber floral fragrance with a gourmand twist, with notes of macaron rose accord, amber embrace accord, and shimmering patchouli. A glimmer is a small, unexpected moment of joy that shifts your energy and how you feel. A scent to be felt, remembered, and shared. Discover more at estee lauder.com. What makes you glimmer?

• 0:59Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. You have no actual desire to get out of debt.

• 1:04Speaker 04

  Spending early.

• 1:05Caleb Hammer?

  Trying to look funny. You're being dumb.

• 1:08Speaker 04

  That's just your opinion. I know what I'm doing when I do it. I just do it.

• 1:12Caleb Hammer?

  I just don't want to hear your voice. I really don't.

• 1:14Speaker 04

  Okay.

• 1:14Caleb Hammer?

  Listen. One, I could make this episode last two hours going through all this stuff. Two, I want to get as far away from you as possible. You're a horrendous existence in front of me right now. I'm ending the conversation early and I'm kicking you off.

• 1:30Speaker 04

  Hi, my name is Lydia. I'm 30 years old. I'm from Biloxi, Mississippi, and this is Financial Audit.

• 1:37Caleb Hammer?

  Hey, wow, thanks for coming down from Mississippi. What do you do there for a living?

• 1:41Speaker 04

  Um, so I'm currently unemployed, but I will be moving.

• 1:45Caleb Hammer?

  That's not true. That's not true. I'm fixing this for the audience. I know what you think. She just got her job. She just got her job.

• 1:51Speaker 04

  I did just get a job, but I just haven't started it yet. I haven't started it yet.

• 1:55Caleb Hammer?

  But she's getting her job. She has an income.

• 1:56Speaker 04

  I do have an income.

• 1:58Caleb Hammer?

  For the sake.

• 1:59Speaker 04

  I am, I do have an income.

• 2:00Caleb Hammer?

  What is the job you're going to?

• 2:02Speaker 04

  It's going to be doing logistics for a private sector for the DOD.

• 2:07Caleb Hammer?

  Oh, okay. So what does that entail?

• 2:10Speaker 04

  Um, it'll be like, pretty much doing, um, ordering like an arms dealer for the military, essentially.

• 2:17Caleb Hammer?

  Oh, wow. Okay, sure.

• 2:19Speaker 04

  Things I can't say online.

• 2:21Caleb Hammer?

  Gotcha. And how much are you gonna be making in this position?

• 2:24Speaker 04

  Um, 61.

• 2:26Caleb Hammer?

  Okay, wow, very cool.

• 2:28Speaker 04

  Which is a pretty good raise from what I was making.

• 2:31Caleb Hammer?

  What were you making?

• 2:32Speaker 04

  Um, I was making forty eight and then a new company took over, bumped me down to forty two.

• 2:38Caleb Hammer?

  Okay.

• 2:38Speaker 04

  I got riffed from my last job.

• 2:41Caleb Hammer?

  Yeah.

• 2:41Speaker 04

  Um, which is.

• 2:42Caleb Hammer?

  How long have you been unemployed now?

• 2:44Speaker 04

  Since, uh, probably about a month.

• 2:47Caleb Hammer?

  And you get a job when?

• 2:48Speaker 04

  Uh, I'm supposed to be starting at the end of this month, so hopefully.

• 2:53Caleb Hammer?

  What do you mean supposed to be? Is there skepticism around it?

• 2:55Speaker 04

  Well, I'm trying to move, so I'm trying to figure out.

• 2:57Caleb Hammer?

  So where from Biloxi?

• 2:58Speaker 04

  To Huntsville, Alabama.

• 3:00Caleb Hammer?

  Is it close?

• 3:01Speaker 04

  Six hours. So, no.

• 3:04Caleb Hammer?

  Is that where work is?

• 3:05Speaker 04

  Yes.

• 3:06Caleb Hammer?

  Then you have to move.

• 3:08Speaker 04

  Yeah, no, I'm gonna move. I just, my, my lease doesn't end until Sunday, so I'll be in there.

• 3:13Caleb Hammer?

  What Sunday? This Sunday?

• 3:15Speaker 04

  Yeah.

• 3:17Caleb Hammer?

  So you don't have where you're going next figured out?

• 3:19Speaker 04

  I do, but they're taking forever. They're taking so long to get back to me. I've been like asking, I've been calling them, asking them, emailing them, they just.

• 3:27Caleb Hammer?

  About what? Gets back to you on about what?

• 3:29Speaker 04

  I don't know, like, I'm, I've had to sign like ten papers, like rent verification and blah, blah, blah. And they're just like, and I'm like, hey, I need to find a place to live because I have to start my job, so please let me just move. I don't understand.

• 3:44Caleb Hammer?

  What are you waiting for? Are you, did you, have you signed a lease?

• 3:48Speaker 04

  No, I haven't.

• 3:49Caleb Hammer?

  Okay, you haven't signed a lease, so you're still going through the application?

• 3:52Speaker 04

  Yes.

• 3:52Caleb Hammer?

  So you don't even know if you're approved?

• 3:53Speaker 04

  No, I don't know yet.

• 3:55Caleb Hammer?

  And yeah, as of this Sunday, you will have no place to live.

• 3:59Speaker 04

  Well, I have a place to fall back on. I just want my mom's.

• 4:03Caleb Hammer?

  And where? She, is she in the right place or the wrong place?

• 4:06Speaker 04

  She's in the wrong place, so I would have to like push back starting if I was to have to like not have a place.

• 4:13Caleb Hammer?

  You can't though.

• 4:14Speaker 04

  I know I can't.

• 4:15Caleb Hammer?

  You can't. It's not an option. Well, get an Airbnb.

• 4:18Speaker 04

  I, I, great, yeah, so I was thinking about doing that.

• 4:20Caleb Hammer?

  She got excited.

• 4:21Speaker 04

  Yeah, so I do want to do the Airbnb, um, or like one of those microtel things where you like live weekly.

• 4:28Caleb Hammer?

  Sure.

• 4:29Speaker 04

  But I'm also just trying to like strong arm my way into that apartment.

• 4:32Caleb Hammer?

  You should, but Sunday, come on.

• 4:34Speaker 04

  Yeah.

• 4:34Caleb Hammer?

  Six days from now? Is that real? We're around with that?

• 4:37Speaker 04

  Um, I mean, I really don't have any other choice. I can't extend my lease. I can't go to a place that don't have a lease.

• 4:46Caleb Hammer?

  We literally just said.

• 4:48Speaker 04

  Yeah.

• 4:48Caleb Hammer?

  The ones we literally just said.

• 4:51Speaker 04

  Perhaps, yeah.

• 4:53Speaker 04

  But I don't have, I don't have a way to secure housing up there like I don't have the money for an Airbnb or or hotel or anything.

• 5:02Caleb Hammer?

  How much is in your checking account right now?

• 5:04Speaker 04

  Um, how much isn't is the bigger question.

• 5:06Caleb Hammer?

  No, how much is in your checking account right now?

• 5:08Speaker 04

  I have negative money in my checking account at the moment. So, yeah.

• 5:15Caleb Hammer?

  I guess that you're unemployed, but but why is there negative money?

• 5:19Speaker 04

  Because I've still had bills to pay.

• 5:21Caleb Hammer?

  No, no, I get that part. I get that part.

• 5:25Caleb Hammer?

  You got laid off, right?

• 5:27Speaker 04

  I did.

• 5:28Caleb Hammer?

  Did you file for unemployment?

• 5:29Speaker 04

  I did, but I'm being investigated.

• 5:34Speaker 04

  So, yeah.

• 5:35Caleb Hammer?

  For what?

• 5:35Speaker 04

  Um, well, I don't know. I called.

• 5:37Caleb Hammer?

  Oh, come on. How does he not know anything?

• 5:39Speaker 04

  I asked, so I said.

• 5:41Caleb Hammer?

  Asked who? What? Asked who? What? When? Where? Why? What are you talking about?

• 5:45Speaker 04

  I called the unemployment office. I said, please.

• 5:47Caleb Hammer?

  They're investigating you?

• 5:48Speaker 04

  Yes, so my, one of my old jobs was like not agreeing to the terms that I was not employed there anymore. So, I.

• 5:58Caleb Hammer?

  Again, again, what?

• 6:00Speaker 04

  Yeah.

• 6:01Caleb Hammer?

  Well, no, what? They're not agreeing to the terms that you're not working there anymore?

• 6:05Speaker 04

  Yeah, even though I put my two weeks in.

• 6:07Caleb Hammer?

  They are claiming that you worked there.

• 6:09Speaker 04

  Yes, but I will say I just got, um, yes, what was it?

• 6:13Caleb Hammer?

  Why do you gotta, we're filming this on a Monday. Why do you gotta bring this, this kind of mess into a Monday?

• 6:19Speaker 04

  Okay, okay. Yes, it's the Mondays, but I did get good news that they took me out of investigation. I got approved for unemployment. I'm just waiting for the debit card to come in.

• 6:31Caleb Hammer?

  Which is?

• 6:32Speaker 04

  Should be this week sometime.

• 6:34Caleb Hammer?

  You're negative in your checking account. So you didn't have an emergency fund?

• 6:37Speaker 04

  I did not.

• 6:38Caleb Hammer?

  And not having an emergency fund is an emergency? Fun fact.

• 6:42Speaker 04

  Yeah, well, I mean.

• 6:43Caleb Hammer?

  You are proof of that as, okay. You didn't have anyone to, I know you came here with a boyfriend. He couldn't help. He he's not fallbackable? Not that I want you to like milk him or anything, but he's not fallbackable?

• 6:55Speaker 04

  He is not fallbackable. I've been.

• 6:57Caleb Hammer?

  Wait, why? Is that one of the help?

• 6:59Speaker 04

  He, no, I mean, like, so, yes and no. He has been going through school and I've been supporting us.

• 7:06Caleb Hammer?

  Oh, you're support, oh.

• 7:08Speaker 04

  Yes, so I've had like two or three jobs.

• 7:11Caleb Hammer?

  Both of you on forty? Wait, yeah.

• 7:14Speaker 04

  Yeah.

• 7:14Caleb Hammer?

  Speaking of which, why, okay. I get your turn to file for unemployment and everything in here, but you're getting investigated. And if you're literally in the point where you're getting negative on a checking account because you're dying, because you're dying, because you don't have any money. Why not go drop some McFries for a minimum hour a week necessary to at least make your bills flat?

• 7:33Speaker 04

  Um, well, I was working.

• 7:37Caleb Hammer?

  Also, you spent six hundred one dollars going out to eat. So I no longer have sympathy that you're negative in checking accounts, not only for bills. You, you went out and ate. Ha, ha. Yes, that's funny. We can't afford to survive. Nothing more comedic than that.

• 7:49Speaker 04

  Well, okay, what, but was it actually like?

• 7:51Caleb Hammer?

  Yes.

• 7:52Speaker 04

  How, but like, what was it spent on? Because some of the things they.

• 7:56Caleb Hammer?

  Statements, but they are fast food places.

• 7:58Speaker 04

  Okay, I can, I can.

• 8:00Caleb Hammer?

  Or restaurants.

• 8:01Speaker 04

  I mean, possibly, but I feel like some of those may have not been like.

• 8:05Caleb Hammer?

  What the fuck are you talking about? Huh? What are you talking about?

• 8:08Speaker 04

  There's no way I spent six hundred dollars.

• 8:09Caleb Hammer?

  Six hundred one thousand fifty cents, actually. Grocery is a hundred and seventy three dollars.

• 8:16Speaker 04

  Okay, well, I mean.

• 8:18Caleb Hammer?

  What?

• 8:19Speaker 04

  I just, I just really don't under, I don't think I spent six hundred dollars going out. There's no way. There's no way.

• 8:24Caleb Hammer?

  How's this a think, I think, this isn't an I think, what do, what do you mean? That's not how this works. That's not how this works. We also had miscellaneous bullshit of nine hundred and ninety nine dollars and six cents. Again, we're gonna go through that. Also, I just, you just got fact checked, by the way, by the producers. Fifteen different restaurants.

• 8:43Speaker 04

  Oh, but like, what restaurants? Because I don't feel like that's real.

• 8:49Caleb Hammer?

  Statements, okay?

• 8:50Speaker 04

  But I will say I'm also paying for two people.

• 8:53Caleb Hammer?

  Well, no, no, no. No, no, no, no, no. Stop, stop for a second. Stop for a second. Let's try to use our, the wrinkliness in our brain for just a single moment. Why the?

• 9:06Caleb Hammer?

  Are you even just paying for yourself going out to eat? But then again, another person, if we're negative in our checking account. I'm gonna hit you with a little fun fact, a little, just a little morsel of fun fact.

• 9:20Caleb Hammer?

  A thousand dollars in overdraft fees this year so far in one account, one account. You do not get to go out to eat. You do not get to go take your friend out to eat. You are overdrafting and you're negative as of now. I didn't know you were negative as of now. I knew you were overdrafting, so I wouldn't have been surprised, but I didn't know you were negative as of now. I thought I saw a balance in there as I was going through these before. Apparently not. So in what world do you think you're entitled to go out to eat or take him? What in what world does he think you should be taking him out to eat? What, what, what the is that delusion that he has?

• 9:52Speaker 04

  I think it's just

• 9:53Caleb Hammer?

  He's too much of a, cut my camera and talk by the way.

• 9:56Speaker 04

  Well, I think that I'm also just lazy and I don't want, after I've worked two, three jobs in a day, I don't want to like

• 10:06Caleb Hammer?

  Girl, you work zero jobs right now. What the are you talking about? I'm only talking about right now.

• 10:11Speaker 04

  I know, but

• 10:11Caleb Hammer?

  This is right now. I'm only looking at right now.

• 10:14Speaker 04

  If you think about it, these, this, I'm spending how I used to spend when I was making money. So I'm like, you know what I mean?

• 10:20Caleb Hammer?

  Yeah. So usually when you're not making money, you don't spend what you used to do when you make money.

• 10:25Speaker 04

  I know, but

• 10:26Caleb Hammer?

  What are you, what are you talking about?

• 10:28Speaker 04

  Kick yourself out of that.

• 10:29Caleb Hammer?

  Yes, you can. What are you talking about?

• 10:31Speaker 04

  I mean,

• 10:32Caleb Hammer?

  What are you like a literal baby? Are you like a child that cannot survive without the milk of?

• 10:39Speaker 04

  I'm, well, I mean, I just think that I'm very, very, um, set in my ways on how I spend my money. I have concepts of a budget in my head. So I think, okay, well, I can spend what I can.

• 10:57Caleb Hammer?

  You have concept of a budget? Concepts of a budget? Okay, alright, alright, okay.

• 11:03Speaker 04

  But honestly, I really, I really don't feel like that's that valid of, there's no way I spent that much money.

• 11:09Caleb Hammer?

  Oh my, I'm

• 11:11Speaker 04

  Like, I really doesn't feel realistic.

• 11:13Caleb Hammer?

  What do I even do with that? That's not, that's not a point that I can even like have a conversation with. Yeah. Yeah, I agree on basic reality.

• 11:23Caleb Hammer?

  Obviously, no, we did have your last payroll hit. Did you get severance?

• 11:29Speaker 04

  And no.

• 11:30Caleb Hammer?

  Okay, we had your last payroll hit, three thousand eight hundred thirty four total for the month. That's not absolutely bad.

• 11:35Speaker 04

  Yeah.

• 11:36Caleb Hammer?

  Then, you know, unapplied for a second was you're waiting for your new job. Okay, so how much did you spend in that month then, in the most recent month?

• 11:45Speaker 04

  Probably four thousand.

• 11:49Speaker 04

  Maybe more, maybe less. I feel like it was probably about four thousand because I do know approximately how much I spend a month.

• 11:57Caleb Hammer?

  Approximately four.

• 11:59Speaker 04

  Yeah.

• 11:59Caleb Hammer?

  Yeah. Five thousand five hundred ninety two. What the you're talking about? You don't know anything. You don't know approximate. You've never heard of the word approximate.

• 12:07Speaker 04

  Yeah.

• 12:07Caleb Hammer?

  Approximate is the planet you came from.

• 12:10Speaker 04

  Well, I. Well, okay, so was it all on just like bullshit?

• 12:16Caleb Hammer?

  Girl, this is just the number that was spent.

• 12:19Speaker 04

  I.

• 12:20Caleb Hammer?

  For sake. Here's your little breakdown. I already told you how much went to food, but you're like, no, that's not food. That's not food. Ten percent, by the way, went to eating out. But guess what? You're right. If it was ju- if you spent the amount that was your income, but reminder, you spent what? Twenty percent more than you made?

• 12:42Speaker 04

  Yeah, but ten percent in like.

• 12:43Caleb Hammer?

  Ten percent of twenty percent more than you made.

• 12:46Speaker 04

  Well.

• 12:47Caleb Hammer?

  So of your actual income. I mean, we I can do the math. And also, if you're negative in your checking account, yes, ten percent is bad. Well, like, in what world do you live in where that's not considered bad? Are you? Ah, like, again, I don't know. That just seems so childish. I don't want to just, like, actually insult you to insult you, but that is literally like the action of a child. Of your income, you spent sixteen percent, sixteen percent on going out to eat.

• 13:13Speaker 04

  Okay.

• 13:14Caleb Hammer?

  While negative in our checking account. So you, I like you. You is the only reasonable response. It really is.

• 13:22Speaker 04

  Yeah, well, I think that.

• 13:25Caleb Hammer?

  Oh, boy. It's just the convenience.

• 13:26Speaker 04

  It's the convenience of it, to be honest.

• 13:29Caleb Hammer?

  Yes, I know why. I know why. No one's disputing the why.

• 13:33Speaker 04

  I.

• 13:33Caleb Hammer?

  Because you're a lazy. I know why.

• 13:36Speaker 04

  Huh? Taco Tuesdays.

• 13:37Caleb Hammer?

  Yeah, taco makeup taco. I know you're white, but you can do it. I believe in it.

• 13:42Speaker 04

  Like, white people tacos aren't good.

• 13:43Caleb Hammer?

  Yeah, learn then, huh? Google a recipe. That's free.

• 13:47Speaker 04

  Yeah, well.

• 13:51Caleb Hammer?

  Self-assess, where do you think you are in the world of finances? Zero out of 10? Where do you think you are? 10 being the absolute best, 0 being the absolute worst. Where do you think you are?

• 14:01Speaker 04

  I'm gonna be a little generous with myself.

• 14:03Caleb Hammer?

  Why? Why be, well, before you say it, why be generous with yourself?

• 14:06Speaker 04

  Because I really, okay, I do think I have an idea of how money works. I'm just bad with it.

• 14:13Caleb Hammer?

  Yeah, but where do you think your finances are? Not where your mentality is. Where do you think your literal finances are?

• 14:19Speaker 04

  Right now, zero.

• 14:21Caleb Hammer?

  Yes.

• 14:22Speaker 04

  Maybe one.

• 14:22Caleb Hammer?

  A reasonable, a reasonable answer. Thank you. Negative checking in account? Absolutely.

• 14:28Speaker 04

  Maybe a one.

• 14:30Caleb Hammer?

  Okay. Even still, potentially reasonable. If you want your Hammer Financial Score, it's free. Link in the description below. Uh, you know, check it out. It's fun. You can see where you are and see where you need to improve your life. And if you want to come on the show, by the way, and you are at least willing to accept that you spent $600 going out to eat when I literally have it in front of me, go to CalebHammer.com/apply. We'd be happy to have you here in Austin, Texas. I guess I have to start this because this is a pretty thick stack. We, we had fat stack week here at Financial Audit. It was very fun. And ever since then, we've had like three weeks of kind of like thinner stacks, but we're back to kind of a pretty damn fat stack, which is not good news for you.

• 15:11Speaker 04

  Well, that's why I'm here, right?

• 15:15Caleb Hammer?

  Is that?

• 15:15Speaker 04

  Get into it.

• 15:21Caleb Hammer?

  Think about your budget. Rent, groceries, maybe a streaming subscription here and there. But here's the thing. Are you actually budgeting for the future? Today's sponsor, Mumu, makes it super simple to start investing as a regular part of your budget. So no more putting it off until next month. With Mumu, you can easily set up reoccurring deposits, just like you would for any other monthly expense. By putting a consistent amount of money into your investment account, you're building a steady foundation for the future. It's not about timing the market. It's about compounding habits and investments in the long term. Plus, Mumu is designed to keep costs low. They offer $0 commission trading on US stocks, ETFs. And options, so your money goes towards your investments, not unnecessary fees.

• 16:05Caleb Hammer?

  It's a solid way to keep more of what you invest and avoid commission death. And here's the best part, new users who join now can take advantage of up to 8.1% APY on uninvested cash with Mumu's cash sweep program for the first three months. Plus up to 15 free stocks with a qualified deposit. If I was starting my investing journey or just looking to change platforms, I'd take advantage of this welcome gift in a heartbeat. So if you're ready to make investing part of your monthly budgeting routine, scan the QR code or head to the link in the description. A little consistency now can go a long way towards securing your financial future. Don't miss out on Mumu's sign up bonuses either. Head to the link below or scan the QR code on screen to get started today. Lindsay, I'm genuinely curious.

• 16:50Caleb Hammer?

  Do you go in there into the green room and like, be like, excuse me, I get paid every time you guys say, and that's why I'm here. You tell them to say that because I'm going to kill myself.

• 17:07Caleb Hammer?

  Please tell them not to say it because I'm going to die. Or I'm going to shake you, I'm going to shake your boyfriend as well. I'm going to make sure your tires are slashed.

• 17:15Speaker 04

  No, I literally just had to get new tires. Like I literally just had to get new tires. I'm still paying them off. I haven't even paid them off. Well, I mean, okay, and, and I just got a tire that was, had a hole in it. So I had to get that repaired like Friday, Thursday, Thursday.

• 17:34Speaker 04

  But I bought the warranty, so that was free, but I had to pay for the toe to come change my tire because I didn't have the equipment to change my own tire. So I was, yeah.

• 17:45Caleb Hammer?

  It's a good joke.

• 17:46Speaker 04

  It was a hundred dollars.

• 17:49Speaker 00

  Now streaming on Paramount Plus.

• 17:51Speaker 01

  I'm Dexter Morgan. I've been killing killers for half my life. It gets to you.

• 17:56Speaker 05

  You're having a midlife crisis.

• 17:59Speaker 00

  He's back.

• 18:00Speaker 01

  I'm older, I'm wiser.

• 18:04Speaker 00

  And sharper than ever.

• 18:05Speaker 01

  Things are gonna get messy, but if I can't believe in myself, I can't believe in anything.

• 18:13Speaker 00

  Dexter Resurrection, new season now streaming on the Paramount Plus Premium Plan.

• 18:18Speaker 04

  But it would have been free, would have been free, but it wasn't.

• 18:22Caleb Hammer?

  Done, alright, Capital One Savior, one. Oui, woo, hey, oh, happy Monday, ladies and gentlemen, I wonder if this is getting uploaded on Monday, we'll see. Alright, you got $2,334.18 over on here. Not a good balance for unemployed, but you know, a relatively manageable balance for someone who's about to make a good amount of money. Um, especially Mississippi, not one of the higher cost states to live in, so 61,000, you feel like you're gonna stretch that pretty decently? Well, probably not you, but the average person?

• 18:59Speaker 04

  I'm hoping to stretch it pretty decently.

• 19:02Caleb Hammer?

  What, helping your boyfriend?

• 19:03Speaker 04

  No, actually, he has a job now.

• 19:05Caleb Hammer?

  Is he gonna move with you?

• 19:06Speaker 04

  He is.

• 19:06Caleb Hammer?

  If he, if he, then you can fall back on him.

• 19:09Speaker 04

  But he just got, like, he hasn't even gotten paid yet, like, he just got it.

• 19:13Caleb Hammer?

  What?

• 19:14Speaker 04

  He's doing a paid internship, um, for-

• 19:16Caleb Hammer?

  Okay, how much is he making?

• 19:18Speaker 04

  Sixteen an hour.

• 19:19Caleb Hammer?

  Forty hours?

• 19:20Speaker 04

  Forty hours.

• 19:20Caleb Hammer?

  Oh, okay.

• 19:21Speaker 04

  So it's really not bad, and it's, it's six months, six to nine months, just depends on-

• 19:25Caleb Hammer?

  So, well, with a relatively good career track at that company, if he sticks around, is he gonna be able to move with you? Four hours away is a long time.

• 19:32Speaker 04

  Six hours away, but yeah, he is, he's wanting to move, um, once the internship ends, they have, it's a bank, so they have branches in other areas, so-

• 19:40Caleb Hammer?

  And then on this card, we have a minimum monthly payment of eighty bucks.

• 19:43Speaker 04

  Mm-hmm.

• 19:44Caleb Hammer?

  These minimum monthly payments are gonna stack.

• 19:46Speaker 04

  Yeah, yeah, but-

• 19:49Caleb Hammer?

  Oh, my f-

• 19:51Speaker 04

  Oh, yeah.

• 19:52Caleb Hammer?

  Good creature, I guess it makes sense if you refuse to stop spending and you didn't make anything during this last month. You put the minimum towards it, which was fifty-nine dollars at that time, wonderful, but you purchased three hundred thirty dollars? Which doesn't make sense, you're just, you're literally hurting yourself, you're pushing it to the limit, to the actual limit, and then there's fifty-seven dollars and eight cents. So my favorite question I ask is, why the f are you spending on a credit card that you can't pay off and is accruing interest?

• 20:20Speaker 04

  I'm actually not sure what I spent on that card.

• 20:22Caleb Hammer?

  Oh, come.

• 20:23Speaker 04

  No, I'm like being real. I really have no idea.

• 20:25Caleb Hammer?

  You better be. No, I get it. Cool. Congratulations.

• 20:30Speaker 04

  But I also.

• 20:31Caleb Hammer?

  Why are you spending on the credit card that you cannot pay off that is accruing interest?

• 20:36Speaker 04

  Well, because I know I can pay it off in the future and all I have to do is.

• 20:39Caleb Hammer?

  The future's now and you're not paying it off. So, you, what do you mean?

• 20:42Speaker 04

  Okay, but like I did.

• 20:43Caleb Hammer?

  Said that in the past. It didn't take you, it didn't take you a day. Well, you could have, but it probably took a little bit of time to build up the $2,000 balance that was there before then. Now $2,300, $34 balance. So you probably told yourself that your future self would take care of it. Guess what? Your future self got unemployed and then you didn't have an emergency fund because you weren't acting like an adult while you were making money. And now you have to move and you can't afford to move. And then your future self is just playing catch up, catch up, catch up.

• 21:07Speaker 04

  I'm almost pretty sure that I spent that after I was unemployed. So, but like.

• 21:12Caleb Hammer?

  We have your most recent statements. I know, no.

• 21:16Speaker 04

  But I knew I was going to have another job. So I was, I felt like it was okay.

• 21:20Caleb Hammer?

  No, you had this previous balance, the previous balance while you had the other job.

• 21:27Speaker 04

  Yeah.

• 21:27Caleb Hammer?

  Other job. So this isn't working. That logic is not filling. You had another job. You had income, but you were not paying it off. So that's not how it works. You're not just paying it off when you get another job because you weren't paying it off when you had a previous job. So what are you talking about? In what world does that logic apply? No, you're allowing yourself to bull yourself. You're excusing yourself to spend money.

• 21:49Speaker 04

  I mean, I think what I spend is justified. I.

• 21:53Caleb Hammer?

  Justified? You don't even know what you spent on and you're saying it's justified?

• 21:57Speaker 04

  Well, yeah, because if I spent the money, I think that's justified or I wouldn't spend the money.

• 22:01Caleb Hammer?

  No.

• 22:02Speaker 04

  Yeah, but I wouldn't spend the money if I didn't know what it was. Well, you know what I'm saying? Like I wouldn't. If it wasn't justified, I wouldn't spend it. But like spending it. So obviously I spent it for a reason.

• 22:14Caleb Hammer?

  Saying, do you realize what you are saying?

• 22:19Speaker 04

  Yeah. But

• 22:22Caleb Hammer?

  It's not funny. I'm just laughing out of just like, like, what the

• 22:27Speaker 04

  I mean, I, okay, I understand that I probably shouldn't spin when I don't have a job. But I knew that was like, I knew

• 22:36Caleb Hammer?

  No, you can't laugh with me. You don't know why I'm laughing. I am laughing at you. That is so delusional.

• 22:42Speaker 04

  Yeah, but I've just, just how I've always been. I really like, that's just me.

• 22:49Caleb Hammer?

  So I know. Okay. Yeah, I made a lot of mistakes too. So I could just say forever, this is how I am and around my entire life. What do you mean? Never gonna change? Never gonna try to better yourself? How long have you been with your boyfriend?

• 23:01Speaker 04

  Seven and a half years.

• 23:02Caleb Hammer?

  Okay, it's a decent amount of time. Something tells me we might be together for a bit. Meaning maybe marriage is in the future.

• 23:09Speaker 04

  Possibly.

• 23:09Caleb Hammer?

  Meaning you're gonna destroy him because you refuse to make any change or progress or maturity in your life. You're thirty. Congratulations. You're no longer twenty. You cannot make these mistakes like you have been doing. And you certainly cannot make the excuse of this is just how I've been.

• 23:23Speaker 04

  Yeah, but I've always had a terrible time with money.

• 23:29Speaker 04

  I know, but I'm just like

• 23:30Caleb Hammer?

  Shut your face for us. Shut!

• 23:35Caleb Hammer?

  I literally just told you why I don't give a about the I used to. Or this is how I am.

• 23:45Speaker 04

  I know.

• 23:45Caleb Hammer?

  I don't care. And then you immediately go back to that after nodding your head.

• 23:50Speaker 04

  Yeah, but I'm so cool. Like, obviously here to change those habits. But I've had those habits for so long. It's so hard to like, get out of that because I've been here before. Like I've done. I've, I've racked up. I've paid it off. I racked up. I paid it off. I rack up and it's just, it's a vicious cycle. I can't like, I'm not breaking. So

• 24:11Caleb Hammer?

  Okay, why do you think you haven't broken it?

• 24:14Speaker 04

  I, to be honest, I just think I feel like I want it. So like, if I want it, I'll get it. Like, I don't have any way to, I don't tell myself, no, yeah, I just don't say no.

• 24:29Caleb Hammer?

  Not even addictive things is or coping or anything. It's just like, I want, so I get.

• 24:34Speaker 04

  Pretty much. I mean, so like

• 24:37Caleb Hammer?

  Do you want to retire?

• 24:38Speaker 04

  Yeah, but I have

• 24:39Caleb Hammer?

  You want to get a home? How much is in your retirement?

• 24:41Speaker 04

  Twenty-five.

• 24:42Caleb Hammer?

  Thousand?

• 24:43Speaker 04

  Mm-hmm.

• 24:44Caleb Hammer?

  Okay, you're behind for retirement.

• 24:45Speaker 04

  Yes, but I Took out

• 24:47Caleb Hammer?

  Want a home with the boyfriend, future husband?

• 24:50Speaker 04

  Possibly. I do want a home.

• 24:53Caleb Hammer?

  Okay, just maybe not with him.

• 24:55Speaker 04

  Well, no, like I do want one with him as well. I just don't want to get married being in the financial situation that we're in.

• 25:03Caleb Hammer?

  Okay, so you want to change it.

• 25:05Speaker 04

  Yeah.

• 25:05Caleb Hammer?

  But you want that, what I want more.

• 25:09Speaker 04

  At the, when I'm, when I'm doing the purchase, yes. Like, I don't think about the future. I just think like, oh my god, I just, I like the way that looks. I want to get it. I don't think about the repercussions. I just do it.

• 25:21Caleb Hammer?

  Yeah.

• 25:22Speaker 04

  So.

• 25:22Caleb Hammer?

  I could see that.

• 25:23Speaker 04

  Yeah.

• 25:23Caleb Hammer?

  Let's write all over your statements.

• 25:25Speaker 04

  Really, really bad time of like, that like FOMO feeling. I don't want to like miss out on stuff.

• 25:31Caleb Hammer?

  You know what this means, though? What this actually means for you is, okay, maybe that is you and we just have to accept that part. But you can't have access to credit cards then, because that is the most dangerous mindset to have when you are given unlimited money, pieces of plastic. You can spend infinite and then you can, you just self confess. It'll go down, then it goes up and it'll go down, then it goes up. You are not a credit card person. You need to use like a debit card that builds credit like the Fizz card. Do that. I recommend it to all the guests. Unless they're really bad, but I think you with at least your understanding or in desire to get out of it, you could use a resource like that.

• 26:10Caleb Hammer?

  Man, you're just not a credit card. You can't have access to credit cards. You're gonna credit, but you need to close the account.

• 26:16Speaker 04

  You know what the thing is? I paid off, I paid off my credit cards and I cut them up, like physically cut them up.

• 26:23Caleb Hammer?

  When? How many? All them?

• 26:25Speaker 04

  Before I got laid off, yeah.

• 26:27Caleb Hammer?

  Oh, you didn't build all these up since you got laid off two weeks ago.

• 26:32Speaker 04

  A month ago.

• 26:33Caleb Hammer?

  Okay, a month ago?

• 26:34Speaker 04

  But.

• 26:34Caleb Hammer?

  You did not build up literal tens of thousands.

• 29:05Speaker 04

  I mean, okay, so with retirement, aspects of retirement, I do wanna retire. And I do, and I look at my retirement account. But the reason why it's so low is because when I was in my previous debt situation, when I was in my early twenties.

• 29:22Caleb Hammer?

  What?

• 29:23Speaker 04

  Um.

• 29:24Caleb Hammer?

  Okay.

• 29:25Speaker 04

  I closed out my 401k and used that to.

• 29:29Caleb Hammer?

  No.

• 29:30Speaker 04

  I just closed it out, though. I didn't like take a loan on it. I just took the money and then I had to pay like a ton of taxes.

• 29:36Caleb Hammer?

  That's probably worse.

• 29:37Speaker 04

  Yeah.

• 29:38Caleb Hammer?

  Than taking a loan on it.

• 29:39Speaker 04

  But ever since then, I like don't touch that because I know that's.

• 29:42Caleb Hammer?

  When did you take it out? You went, how much was it? How much did you drain from your 401k?

• 29:47Speaker 04

  I don't know.

• 29:48Caleb Hammer?

  Bingo, here we go.

• 29:50Speaker 04

  That was a long time ago. It was like ten years ago at least, so I was probably.

• 29:54Caleb Hammer?

  You were twenty?

• 29:55Speaker 04

  Yeah. Yeah.

• 29:57Caleb Hammer?

  How much money did you have in your 401k at twenty?

• 30:00Speaker 04

  Um, probably like ten.

• 30:01Caleb Hammer?

  Thousand?

• 30:02Speaker 04

  Yeah, it was dumb.

• 30:03Caleb Hammer?

  That's incredible. That ten thousand would have been like what? Uh, twenty-five thousand by now?

• 30:08Speaker 04

  Yeah.

• 30:09Caleb Hammer?

  Your retirement would have been double, double.

• 30:11Speaker 04

  Yeah, but.

• 30:12Caleb Hammer?

  You'd actually been on track for where I wanted you. Actually, for your previous income, you would have been right on track for retirement. You're halfway there now, but you would have been right on track. And you mean previous? Are you saying you paid off debt previously before, before the consolidation as well?

• 30:28Speaker 04

  Oh, yeah, I've had a few like consolidation loans before.

• 30:31Caleb Hammer?

  How many times have we been through this process in your life?

• 30:34Speaker 04

  At least. At least three that I remember.

• 30:39Caleb Hammer?

  What is different this time? What the? I know we're talking, but what is actually different? Cause we can go through this whole thing, but.

• 30:45Speaker 04

  I know, but I feel like, I feel like I've made, like I have. Okay, maybe it doesn't reflect that I've made the changes, but I've made the changes. Like I feel like I'm ready to like.

• 30:57Caleb Hammer?

  Girl.

• 30:58Speaker 04

  You know.

• 30:58Caleb Hammer?

  You're negative and your checking account, you're spending six hundred dollars in a sale month when you're on a plane, making no money, going out to eat. What the? Are you 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

• 31:39Caleb Hammer?

  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. 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 15% 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. In no world is there change in here, unless changed for the worse.

• 32:16Speaker 04

  When you put it that way, it doesn't sound as good.

• 32:18Caleb Hammer?

  Yeah, when I reflect the reality of existence.

• 32:20Speaker 04

  In my head, it sounds good.

• 32:22Caleb Hammer?

  Don't give a about your head. I give a about what you do. What?

• 32:26Speaker 04

  Yeah, but like, that's why I'm here is to change that, right?

• 32:29Caleb Hammer?

  If I walk by someone in my head, I'm thinking, oh, this person looks nice. Let's just keep walking by them. But in person, I punch him in the face. I still punch him in the face, even if in my head I was doing something nice. So I don't give a about what's in your head. I give a about what you actually do.

• 32:45Speaker 04

  Yeah, I think I just.

• 32:47Caleb Hammer?

  You want to know what you spent in this account? It was probably necessary, right? Because, you know, you were just saving. You're just surviving, spending to survive, right?

• 32:58Caleb Hammer?

  Simply sweet something there.

• 33:00Speaker 04

  Oh, wait, I do know what that was for.

• 33:01Caleb Hammer?

  Uh huh.

• 33:02Speaker 04

  It was a hotel. I went up to the job fair to get my job that I'm going down.

• 33:06Caleb Hammer?

  That's okay. Cracker Barrel.

• 33:09Speaker 04

  Okay, well, I was traveling. I was hungry and their biscuits are good.

• 33:13Caleb Hammer?

  Huh?

• 33:13Speaker 04

  That's a six hour old sandwich.

• 33:16Caleb Hammer?

  Pack some crackers, you know, don't pack a thermos. Are you like stupid?

• 33:20Speaker 04

  Well.

• 33:20Caleb Hammer?

  What are you doing? Do you not know technology that has existed for the last fifty years?

• 33:24Speaker 04

  But they're like biscuits are good.

• 33:26Caleb Hammer?

  Yeah, their biscuits are good. Not having negative balance in your checking account is also pretty good. Being able to have the adequate amount to retire is also pretty good. Being able to afford a down payment on a house is also pretty good. Having a credit card that we can pay off is also pretty good. Those are a lot of things are pretty good.

• 33:39Speaker 04

  Mm hmm.

• 33:40Caleb Hammer?

  All that stuff is sticking around. These biscuits?

• 33:43Speaker 04

  They're sticking.

• 33:45Caleb Hammer?

  No, that's been pushed out months, weeks ago.

• 33:48Speaker 04

  Yeah.

• 33:49Caleb Hammer?

  Okay, and then brick and spoon. We really needed to spend ninety five dollars at Brick and Spoon?

• 33:55Speaker 04

  Yeah, that was um a like birthday brunch for my boyfriend's mom.

• 34:01Caleb Hammer?

  Happy birthday boyfriend's mom. Let's have boyfriend pay for it like a big boy.

• 34:05Speaker 04

  That was also us like.

• 34:07Speaker 00

  I don't know what I'm doing. Need a break. Forget it. I quit. Escape to Pluto TV.

• 34:12Speaker 06

  This is objectively fantastic.

• 34:14Speaker 00

  Relax into the movies and shows you already know and love all for free. Swing. Even our news is uplifting. You stay classy, San Diego. Watch Tommy Boy, Crazy Ex Girlfriend, Anchorman, The Legend of Ron Burgundy, The Ex Files, Wayne's World, and so much more. We're not worthy. The best things on TV really are free.

• 34:31Speaker 06

  You just have to know where to look.

• 34:33Speaker 00

  Escape to Pluto TV. Stream now, pay never.

• 34:36Speaker 04

  We.

• 34:37Caleb Hammer?

  Hey, hey, hey.

• 34:39Speaker 04

  Okay.

• 34:40Caleb Hammer?

  Hey.

• 34:40Speaker 04

  Hey.

• 34:40Caleb Hammer?

  You have negative money in your checking account. It doesn't matter what you were about to say.

• 34:45Speaker 04

  Hmm.

• 34:46Caleb Hammer?

  I don't care. I don't care.

• 34:48Speaker 04

  I but.

• 34:49Caleb Hammer?

  Well?

• 34:50Speaker 04

  It's just.

• 34:50Caleb Hammer?

  Well, you're gonna well me from that?

• 34:52Speaker 04

  I'm just saying it's that's like it's justified. That's why.

• 34:55Caleb Hammer?

  But it is literally not. You have, hey, you have paid a thousand dollars to the bank for not having enough money in this, this, this year in one checking account and you say this is justified?

• 35:06Speaker 04

  Yeah.

• 35:06Caleb Hammer?

  You don't know what justified is.

• 35:09Speaker 04

  Yeah, they're, they're like overdraft fees are expensive, though. They're like thirty five dollars each time. It's a lot.

• 35:16Caleb Hammer?

  That's your takeaway from this? Girl, you're a literal, please never have a child.

• 35:21Speaker 04

  No, I don't plan on that.

• 35:23Caleb Hammer?

  It's not, yeah, unless you become more mature at some point.

• 35:26Speaker 04

  No, well, I like my freedom. I like being able to do stuff.

• 35:29Caleb Hammer?

  Well, you're certainly utilizing the freedom to get.

• 35:35Speaker 04

  I like going places and eating things.

• 35:38Caleb Hammer?

  I know.

• 35:38Speaker 04

  I obviously.

• 35:39Caleb Hammer?

  Uh, look at both of us. Yeah, we eat. Okay.

• 35:44Caleb Hammer?

  I guess you're cop laughing your way through this, but you just sound delusional. You've lost. Oh, good. You've had, you've had fees this year, meaning you probably missed the payment. Or you were late on a payment at some point this year, because that is a missed payment fee if I've ever seen one. Also, six hundred five dollars interest on one of many credit cards we're gonna go through.

• 36:04Speaker 04

  My interest is pretty bad.

• 36:05Caleb Hammer?

  Yet you are still spending on it more and bringing up the balance more, making the interest even more. No, you don't get to have a, yeah, the interest is pretty bad. You're making it bad. You are doing this. Well, what?

• 36:15Speaker 04

  I mean, yes.

• 36:16Caleb Hammer?

  You can't well me. Well, what?

• 36:18Speaker 04

  I've asked them to lower the interest.

• 36:20Caleb Hammer?

  Why would they? They don't owe you that. You're not entitled to that. They're a business and you're making them money. You're being stupid and being taken advantage of, and that is your fault.

• 36:29Speaker 04

  I think that I.

• 36:32Caleb Hammer?

  I don't trust anything you think.

• 36:35Speaker 04

  I understand my spending is bad.

• 36:37Caleb Hammer?

  No, you don't. You didn't know how much you were, you didn't know what you spent on this card and you didn't, you refused to accept the six hundred dollars you spent going out to eat when one of those purchases is nearly a hundred bucks. So you, you don't know anything, but go ahead.

• 36:48Speaker 04

  Well, okay, so I didn't know that that was like all encompassing all of my, I thought it was maybe just my checking account, but it was, I didn't realize it was all of my accounts that I spent that much money.

• 36:58Caleb Hammer?

  What were you saying?

• 36:59Speaker 04

  I don't remember. I don't remember.

• 37:03Caleb Hammer?

  Blue.

• 37:06Caleb Hammer?

  The color of my face after this conversation.

• 37:08Speaker 04

  It's my favorite color.

• 37:09Caleb Hammer?

  Must be because you love giving them a lot of money.

• 37:14Speaker 04

  They're my lower interest rate, though. They're my lowest interest rate.

• 37:17Caleb Hammer?

  You know, that doesn't even matter because you're literally above the credit limit on this card. You can't even wear two cards in and we're already talking about that. Give me, dude.

• 37:27Speaker 04

  Yeah.

• 37:28Caleb Hammer?

  This, you, the last card was disastrous. It doesn't matter. You're over the, you're under the limit and you're right. You wouldn't have any sense of understanding about that. You're like, you're okay with being under your limit. You know, minimum limit and debit account. You know, why would you care about being over a credit limit on a credit card? Why would you? Like, I don't even know. You are in such a different world and reality than the rest of us. I don't know how to make this seem like it matters. You don't even realize what's happening. Me, blue, yeah, one thousand nine dollars and twenty-three cents. Fun fact, credit limit, thousand, that means you're over.

• 38:11Speaker 04

  Yeah, that was probably just like the interest, though, that, that put it over.

• 38:15Caleb Hammer?

  Whatever puts it over, doesn't matter. If you put it at the max and then you don't make a payment and then the interest hits, it goes over, okay? Listen, if you put it.

• 38:23Caleb Hammer?

  Listen, if you put it towards the max and you make your minimum payment, it's never going to go over because your interest is nine dollars forty-one, three cents. But, but if you're not spending money, your minimum payment of twenty dollars is gonna make it go down, even if slow, even if only ten dollars. So, no, that's not exactly why I put it over. You spent three hundred five dollars. Three hundred five dollars. You pushed it to the max.

• 38:46Caleb Hammer?

  You don't know what you spent on this card either? Do you not know what you spent anywhere on anything? Girl, this was literally a couple of weeks ago. Do you know anything about your life?

• 38:54Speaker 04

  I really don't like keep track of it, so I don't.

• 38:57Caleb Hammer?

  Oh, my. This world.

• 39:02Speaker 04

  Yeah, I'm just so used to like

• 39:04Caleb Hammer?

  This world, the people

• 39:05Speaker 04

  Sliding my card.

• 39:07Caleb Hammer?

  No offense, but this is just like.

• 39:10Speaker 04

  I just slide my card and I'm like

• 39:12Caleb Hammer?

  I know how credit cards work, okay?

• 39:14Speaker 04

  I just like, don't think about it. Like, I just, I know, like, I know that I'm gonna have the payment, so I just spend it.

• 39:22Caleb Hammer?

  But sometimes you don't have money in your checking account, and then the payments are due.

• 39:25Speaker 04

  Yeah.

• 39:26Caleb Hammer?

  As in, you had a late fee on that last credit card.

• 39:29Speaker 04

  Did I?

• 39:29Caleb Hammer?

  This, and within the year.

• 39:31Speaker 04

  Oh, okay. Probably.

• 39:33Caleb Hammer?

  No, you didn't, you don't even care.

• 39:35Speaker 04

  No, I mean, like, I do care. I do care. I mean, I'd rather not pay a fee.

• 39:42Speaker 04

  But if it happened, it happened. I mean,

• 39:46Caleb Hammer?

  What do I do with that?

• 39:47Speaker 04

  I mean, what am I supposed to do? If it happened, it happened. I can't change it. I mean, I can change it technically in the future, but I can't go back and change it. It's not how that works. Unless I call them and ask.

• 39:59Caleb Hammer?

  Oh, shut the

• 40:02Caleb Hammer?

  I don't even know, man.

• 40:05Speaker 04

  Okay, but what was it on?

• 40:06Caleb Hammer?

  Shut the up.

• 40:08Caleb Hammer?

  Kendall, McDonald's, went inside, got a drink from Circle K, Amazon, Books-A-Million. Also then some like PetSmart stuff and Walgreens stuff and

• 40:16Speaker 04

  Yeah.

• 40:17Caleb Hammer?

  and then some gas as well.

• 40:18Speaker 04

  Yeah, so some necessities.

• 40:20Caleb Hammer?

  Some.

• 40:21Speaker 04

  Some.

• 40:21Caleb Hammer?

  Well, Walgreens, you don't really know. Did you get forty-eight dollars in medications?

• 40:25Speaker 04

  Yes, actually, yeah. That was, yeah.

• 40:27Caleb Hammer?

  Okay.

• 40:28Speaker 04

  Yeah, so Walgreens was actually like me over because they were not charging my insurance. They were charging my good RX, and it was more expensive and I didn't know until

• 40:38Caleb Hammer?

  Your insurance.

• 40:38Speaker 04

  No, they had my insurance. They just weren't filing under it. And then I was like, okay, well, thanks. Y'all have cost me a lot of money.

• 40:44Caleb Hammer?

  Half the purchases on there were bullsh- I have no sympathy.

• 40:46Speaker 04

  Well, I'm just

• 40:47Caleb Hammer?

  You were still choosing to spend all the extra money that was more than that.

• 40:51Speaker 04

  Yeah.

• 40:53Caleb Hammer?

  I throw words in this conversation. We're not even forty minutes in. It's gonna be a long one. Quick silver one. I swear if you're over the limit on this one.

• 41:05Speaker 04

  I think, I think I might be.

• 41:06Caleb Hammer?

  No.

• 41:07Speaker 04

  No? I'm not sure what my limit is.

• 41:09Caleb Hammer?

  No, you're not.

• 41:10Speaker 04

  Okay.

• 41:10Caleb Hammer?

  Oh, for fuck's sake.

• 41:11Speaker 04

  I don't know what my limit is on that.

• 41:13Caleb Hammer?

  Oh, that's just again. It's just one of those things where look, look.

• 41:17Speaker 04

  I know, but.

• 41:18Caleb Hammer?

  Look.

• 41:19Speaker 04

  I have three of them, so I'm like.

• 41:20Caleb Hammer?

  Look.

• 41:21Speaker 04

  Yeah.

• 41:21Caleb Hammer?

  Just look once.

• 41:22Speaker 04

  Mm-hmm.

• 41:23Caleb Hammer?

  Look.

• 41:24Speaker 04

  Hmm. I just try to avoid it, cuz it.

• 41:28Caleb Hammer?

  Yeah, but that's not working. How, but don't you get more stressed the fact that you owe more money and extra fees and more interest? What do you mean? That would stress me out more.

• 41:37Speaker 04

  Yeah, I mean, yeah, that is a lot of stress.

• 41:40Caleb Hammer?

  You gotta balance a three thousand one hundred sixty-seven dollars and fifty cents on here with a minimum monthly payment of a hundred and nineteen dollars. Kill me now. Sake, oh. Fees. This month, this month fees, forty-five dollars a purchase is great, thirty-nine dollars of fees and eighty-five cents of interest.

• 41:59Speaker 04

  And fees, I don't know what that's from.

• 42:02Caleb Hammer?

  You don't know anything about your own finances. You don't. So you, trust me, I'm not even gonna ask you. I don't think you know what you're spending. You didn't know of fees. You didn't know anything. Listen, I, just like everyone else, I'm gonna put you through our budgeting class, our debt class, and our investing class, so you can actually learn the skills and all these things. I don't think you're gonna even go through them based on this conversation. Y'all can go through them. Tens of thousands of people have changed their life. You can. It's all bundled together twenty-five percent off. Hey, hey, I am pitching right now. Come on. Don't interrupt the pitch. What?

• 42:33Speaker 04

  I will go through them.

• 42:34Caleb Hammer?

  Please do, cuz you actually get them for free.

• 42:36Speaker 04

  Okay, cuz I actually did the Dave Ramsey thing. I was doing like.

• 42:39Caleb Hammer?

  You've done Dave Ramsey?

• 42:42Speaker 04

  I did the snowball and it didn't really work, but.

• 42:44Caleb Hammer?

  Whoa, whoa, whoa, it didn't work. No, no, no, no, no, no, no, no. Hold on, hold on. I'm going to interrupt you. This might be a very interrupty episode. I apologize as if it is, but I also don't really get, so never mind, I don't. But the thing is. What do you mean it didn't really work? Cause that's not how that works. It didn't really work the way you're going about it probably. What do you mean it didn't really work? What's didn't really work? Do you even know what snowball is? What didn't work? Go ahead and tell me.

• 43:05Speaker 04

  Yeah, so I would like pay them off and so some of the stuff I like paid off and kept paid off.

• 43:13Caleb Hammer?

  What is snowball?

• 43:15Speaker 04

  Oh, so where you take like your lowest balance and you pay that off and then whatever your minimum monthly and then you add that to like the next and then you like snowball that. Yeah.

• 43:28Caleb Hammer?

  Wrong. What didn't work?

• 43:29Speaker 04

  My spin, I just like I spend.

• 43:31Caleb Hammer?

  You're spending, that isn't of the fault of the snowball.

• 43:35Speaker 04

  No, that's what I'm saying. It didn't work for me.

• 43:37Caleb Hammer?

  No, it didn't work for you because you're a child and you have no discipline. You don't have a budget because you can't stick to anything to save your life. What does the future hold for business? Ask nine experts and you'll get 10 different answers. Is inflation going up or down? Will rates keep getting cut? Can someone just create a business crystal ball? So I know what's going on. Until then, over 40,000 business owners have future proof their business with the sponsor of today's video, NetSuite by Oracle. The number one cloud ERP, bringing accounting, financial management, inventory, HR, all into one fluid platform. As a business owner, your time is the most valuable resource. Stop wasting it managing multiple platforms. With NetSuite's one unified business management suite, there's one source of truth.

• 44:21Caleb Hammer?

  And with tools like real time insights and forecasting, you're peering into the future with actionable data, giving you the visibility and control you need to make quick decisions. When you're closing the books in days, not weeks, you're spending less time looking backwards and more time on what's next. Whether your company is earning millions or even hundreds of millions, NetSuite helps you respond to immediate challenges and seize your biggest opportunities. If I was trying to unify my business and cut down on operational costs, it's exactly what I'd use. And speaking of opportunity, download the CFO's Guide to AI and Machine Learning at netsuite.com/hammer. If you're trying to stay one step ahead, it's a no brainer. The guide is free to you at netsuite.com/hammer. So head to the description and check it out today.

• 45:06Caleb Hammer?

  Thanks to NetSuite for sponsoring today's video. Let's get back into the episode.

• 45:10Speaker 04

  Yeah, well, that could, I don't, I don't feel like that's it, but it could be.

• 45:14Caleb Hammer?

  Feel? Well, again, why the does feelings matter? This is just your numbers. What else would you feel? This is what's being presented to me.

• 45:21Speaker 04

  Yeah, I also just have like

• 45:23Caleb Hammer?

  Oh, I dodged that one. Okay, that just flew over her head. Great. She'll laugh about it too.

• 45:28Speaker 04

  I just feel like sometimes it's necessary spending to have, you know, it's just like little sweet treats and

• 45:36Caleb Hammer?

  And sweet treats are not necessary spending, girl. Stop with the sweet treat nonsense. Stop with that. Stop with that. Stop, you don't need it. Amazon, Amazon and Stan McKen, McChicken, Chicken. I don't know. It was a restaurant. Yeah. You don't need that. I don't think you know what the word need means. Need is you need it. You need it. It is critical. You need housing, you need utilities.

• 46:01Speaker 04

  Sustenance, it's food.

• 46:03Caleb Hammer?

  It is food, but you did not need it. You could have gone to the groceries.

• 46:07Speaker 04

  Yeah.

• 46:09Speaker 04

  Yeah, well, I mean, yes, but it's hard to find time to go grocery shopping when I'm like working so much.

• 46:14Caleb Hammer?

  You have no job!

• 46:17Speaker 04

  Now I'm not working.

• 46:18Caleb Hammer?

  This isn't the time you're not working.

• 46:22Speaker 04

  Yeah, you might be right. But, but I'm saying this is like

• 46:27Caleb Hammer?

  Is depending on you, huh?

• 46:28Speaker 04

  School. He's doing school.

• 46:30Caleb Hammer?

  How much school?

• 46:32Speaker 04

  He, a lot, like he's doing all this, he's got his like certificate.

• 46:35Caleb Hammer?

  How many hours a damn day?

• 46:36Speaker 04

  Oh, I don't, I'm probably like, I don't know, I'm, I was working, so I'm sure.

• 46:40Caleb Hammer?

  Okay, how many hours a day were you working?

• 46:43Speaker 04

  Um, well, it depends if I worked.

• 46:46Caleb Hammer?

  Average dude, come on.

• 46:49Speaker 04

  Like forty hours a week, so like eight hours, well, I was like nine.

• 46:52Caleb Hammer?

  Hours a week total?

• 46:53Speaker 04

  One job, no.

• 46:54Caleb Hammer?

  Okay, everything, how many?

• 46:58Caleb Hammer?

  Okay, you could have gone to grocery store. You may have done a curbside pickup for even a little bit more money, even if you had to do that, it is still beyond more when it comes to savings of meal prepping. Okay, not that I would even want you to do that because you can go in and out. You know where things are in the store. Just run the children over and push over the old ladies in the wheelchairs. It doesn't matter. Just get your and go.

• 47:22Speaker 04

  Mississippi has really high grocery tax. We're the highest in the nation. Yeah, we're the highest in the nation. Swear. We're like seven percent or something.

• 47:31Caleb Hammer?

  On groceries.

• 47:32Speaker 04

  Yeah, we're the highs in the nation. It's ridiculous.

• 47:35Caleb Hammer?

  Yeah, that's a failed state in every other way.

• 47:37Speaker 04

  It really is. Yeah. Yeah, you would think with how many people are like insecure about food, they would actually do something to like help. But they don't care.

• 47:46Caleb Hammer?

  Groceries are subject to the full state tax of seven percent. That's crazy. Where I come from, Michigan and here in Texas, uh groceries are in tax.

• 47:52Speaker 04

  Yeah. That'd be nice cuz my, actually, I used to live in um a different state and my grocery bill almost tripled when I moved back home.

• 48:01Caleb Hammer?

  Yeah, seven percent taxing groceries is actually pretty crazy.

• 48:04Speaker 04

  So it sometimes honestly is cheaper to just go somewhere else. I am being for real honest.

• 48:09Caleb Hammer?

  Cuz when they buy their prudos uh produce, it's still, they're getting taxed too. Like that stuff is still being passed on to you. And then you got the wages you're paying for of all the people that are cooking the food and cleaning the restaurants. And you get a little bit of that at the grocery store as well, of course. But you're getting, no, it is not. You cannot mathematically justify. Little seven percent bump in your grocery prices are not gonna be.

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• 48:37Speaker 05

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• 48:45Speaker 00

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• 48:59Speaker 04

  I'll buy like, I'm like an organic, I buy like the stuff, so it's always more expensive.

• 49:05Caleb Hammer?

  Don't.

• 49:06Speaker 04

  Yeah. Well, also.

• 49:07Caleb Hammer?

  I sold it.

• 49:08Speaker 04

  I like to have like my vegan cheese and.

• 49:10Caleb Hammer?

  Girl, you spent a hundred dollars on groceries. You're not going and getting groceries. So what are you talking about?

• 49:15Speaker 04

  Long time.

• 49:16Caleb Hammer?

  Huh?

• 49:16Speaker 04

  My groceries last a long.

• 49:17Caleb Hammer?

  Cuz you eat out for every meal. You, I swear, everything you're saying is the stupidest thing I've ever heard. Don't, you don't have to go the expensive route.

• 49:25Speaker 04

  Yeah.

• 49:25Caleb Hammer?

  You don't have to. It's fine. It's fine. Just don't, like if you want relatively healthy, just don't go over the overly processed stuff.

• 49:35Caleb Hammer?

  So he's making, is he done with school? He doesn't matter anyway. Listen, if he wants a course crews, because I know he's going into like cyber stuff. If he wants a certification through course crews, we can gift that, okay? As you guys, because you already landed a job and he wants to get another job, so. Course crews are a great partner. Better pay.

• 49:57Speaker 04

  I have my associates free.

• 49:59Caleb Hammer?

  Okay, yeah, so, um, if he wants it, even though he's too much of a even be in this room. Uh, he can have it, okay?

• 50:06Speaker 04

  Thank you.

• 50:09Caleb Hammer?

  Oh, good, save your one.

• 50:12Speaker 04

  Okay, that one's not too bad.

• 50:13Caleb Hammer?

  I haven't looked yet, I don't know.

• 50:15Speaker 04

  But I think the value, I think compared to what the limit is, it's bad.

• 50:21Caleb Hammer?

  Yeah, I mean, you're, you're seventy-five percent of the max. Yo, seven hundred fourteen dollars and seventy-nine cents. I mean, it's still, but you're still purchasing, you're still purchasing. That's the thing, that's all that matters, man.

• 50:36Speaker 04

  Spending girly.

• 50:37Caleb Hammer?

  And you think that's cute? Cute, that's disgusting, shut up.

• 50:41Speaker 04

  But honestly, I just really don't know what I spend.

• 50:43Caleb Hammer?

  What an embarrassment, stop, stop. Look at yourself, stop. No, that's not funny, spending girly isn't cute.

• 50:52Speaker 04

  I mean, not.

• 50:53Caleb Hammer?

  You're destroying your life. And that is not cute, that is not a good trait. Huh?

• 50:59Speaker 04

  Like, it's not.

• 51:00Caleb Hammer?

  Shut the fuck up.

• 51:01Speaker 04

  I mean, maybe not like cute, but it's reality, like.

• 51:05Caleb Hammer?

  No shit, that's why I'm reading the numbers, you dumb piece of Of course it's reality, you're pissing me off. You, seven hundred, fuck you. That's so stupid, that pisses me off so much. God, and I'm probably being a dick right now, but I don't really, I don't, I don't care, that's just so dumb. That is so dumb, shut.

• 51:26Speaker 04

  Well, let's see what I actually spent it on before we go in and.

• 51:31Caleb Hammer?

  We've seen your spending so far, it doesn't even matter. You've already overspent on stupid bull. And eighteen dollars fifty six cents of interest. That's cute. It's a good personality trait. Does your boyfriend even know this about you? So you know your debt situation?

• 51:45Speaker 04

  I think that he does to an extent. I don't really tell him that much about it. Um.

• 51:55Caleb Hammer?

  What do you think he knows, dude? For fuck's sake?

• 51:58Speaker 04

  I don't think he really knows like what my credit cards are at.

• 52:02Caleb Hammer?

  And we can't inform him. Great.

• 52:04Speaker 04

  No. Well, I also just like, it's embarrassing. Like, you don't wanna say it.

• 52:09Caleb Hammer?

  It's in-app bull from Apple or subscriptions. Who knows?

• 52:12Speaker 04

  What is that?

• 52:13Caleb Hammer?

  One might be storage for iPhone or iCloud, who knows? But you got two Apple things.

• 52:18Speaker 04

  I don't know what that is.

• 52:19Caleb Hammer?

  Pull up your subscriptions on your iPhone.

• 52:24Caleb Hammer?

  She's gonna have like a grinder subscription or something. Can't believe you lost twenty-five thousand dollars you took out.

• 52:31Speaker 04

  Wait, why isn't it coming up?

• 52:32Caleb Hammer?

  No, ten thousand dollars. That could have been twenty-five thousand. If you.

• 52:36Speaker 04

  It's not coming up.

• 52:36Caleb Hammer?

  No, my gosh.

• 52:39Caleb Hammer?

  It's crazy. It's crazy, cuz like doubles every seven years. It'd have been about twenty-five thousand dollars. I'll show you, dude. Fuck's sake.

• 52:48Speaker 04

  I was typing it in.

• 52:49Caleb Hammer?

  You don't know how to navigate your phone?

• 52:52Speaker 04

  I was typing it in, but it wasn't coming up. I don't ever go there. I don't ever look at my subscriptions.

• 52:57Caleb Hammer?

  You pay for Apple Fitness Plus.

• 52:59Speaker 04

  Yeah. I got my watch.

• 53:02Caleb Hammer?

  You sure do. That's it.

• 53:05Speaker 04

  But I work, like, I work out, uh, like, in my house.

• 53:07Caleb Hammer?

  I work out too. I don't pay.

• 53:09Speaker 04

  No, but I use, like, the videos, like, the guided videos.

• 53:14Speaker 04

  And like, I meditate and stuff.

• 53:15Caleb Hammer?

  Okay, okay, stop.

• 53:17Speaker 04

  Oh, okay, see, yeah, I only have one. I don't know what those are for, then. I really don't know.

• 53:20Caleb Hammer?

  That means likely in-app purchases of some kind, okay?

• 53:24Speaker 04

  Possibly. But I use some fitness class.

• 53:27Caleb Hammer?

  I always think there's like a moment of silence for me to just think and then you say something and your voice irritates me so much. This is a weird job.

• 53:36Speaker 04

  That's just your opinion.

• 53:39Caleb Hammer?

  I'm gonna die. This is the weirdest job. Just gonna let you guys listen to a little secret of life here. Because I just wanna vent for a moment as before we continue because I'm dying. This is the job and it is an absolutely amazing job that I get to show up and I get to do this. And I love almost every aspect of the job. I really do. It's so cool. But when I just sit here and I talk to someone like this, I hate this right now. I really don't like this because you are not reasonable. You are not mature enough to have this conversation. And you came on applying from the audience position.

• 54:23Caleb Hammer?

  So there would be some reasons. You came on because your debt is good. And you seemed like you were able to talk, meaning we allowed you to come on the show. Now I'm sitting here, it's forty-five minutes, my throat hurts and I hate this conversation. It doesn't have to be. You are just so, I just don't get it. It's you.

• 54:41Speaker 04

  Yeah.

• 54:41Caleb Hammer?

  You are just so immature and incapable of just existing in reality with the rest of us. And this is miserable.

• 54:50Speaker 04

  Again, opinion. I don't think I'm that immature. I don't feel like I'm that immature. I just know, I know what I'm doing when I do it. I just do it anyway. You know what I mean? Like, it's not...

• 55:05Caleb Hammer?

  Listen.

• 55:05Speaker 04

  Like, I'm, okay.

• 55:06Caleb Hammer?

  Listen.

• 55:07Speaker 04

  Okay.

• 55:08Caleb Hammer?

  If they didn't put so much work into this episode and if we didn't spend thousands of dollars to produce every episode, get people where they need to be and all this stuff, I would kick you out right now.

• 55:17Speaker 04

  Mm-hmm.

• 55:19Caleb Hammer?

  I, I, you piss me off. You do not exist in reality.

• 55:25Speaker 04

  Yeah.

• 55:26Caleb Hammer?

  There is no way. I refuse to believe that people are like you. I refuse to believe it. Listen, you're just so delusional, but you're just not willing to listen. Then you're just so, not arrogant, I don't know the word, but things just deflect off you. You're just taking this like a reasonable adult. It could be different.

• 55:47Speaker 04

  I mean, I'm digesting what you're saying.

• 55:49Caleb Hammer?

  And I know people will find it interesting. What they don't know though is that it's literally just two people who come in a room, who have not met each other, sit down and start talking about their money and give their damn opinions.

• 56:01Caleb Hammer?

  This doesn't have to be this way. You're killing me. Doesn't matter. I'm just venting. I'm angry. I'm angry. I'm angry. I'm angry and I'm gonna keep going. This is why people take up a addiction.

• 56:16Speaker 04

  Well, that's a little far.

• 56:18Caleb Hammer?

  What is?

• 56:20Speaker 04

  Okay, the Delta, that's my tires.

• 56:21Caleb Hammer?

  What is this?

• 56:22Speaker 04

  Oh, affirm. Oh, wait, affirm. Yeah.

• 56:25Caleb Hammer?

  Okay. Well, no shock with your spending. You have a firm. Wait, wait, wait, wait. Why'd you have Delta?

• 56:33Speaker 04

  Those are my tires.

• 56:35Caleb Hammer?

  Oh, not, not plain. No, okay.

• 56:37Speaker 04

  No, no, I had, those are my like Delta tires. Yeah, I had to buy tires.

• 56:40Caleb Hammer?

  Okay, taking that moment to vent.

• 56:42Speaker 04

  They were literally bald. They're just smooth when I got them, so.

• 56:49Caleb Hammer?

  Not as bald as your boyfriend, but they'll never see proof of that.

• 56:54Caleb Hammer?

  Got him.

• 57:01Speaker 04

  Um, yeah, affirm. I'm like an affirm.

• 57:05Caleb Hammer?

  So why can't you just put up like an AI generated picture of a bald man and make them think for like five seconds that that's what he looks like? Back then. That'd be funny. And you can leave this part in as well. I got you, audience.

• 57:18Speaker 04

  Um, yeah, I'm just like, I really enjoy affirming things.

• 57:22Caleb Hammer?

  Enjoy. Wait, was it a feeling? Oh, please don't. Let's not. You don't have to. You did not just say those words. Enjoy? What do you mean enjoy? I understand if you're like, even if you said I have to affirm, like I, I would have pushed back, but I enjoy affirming?

• 57:39Speaker 04

  Yeah.

• 57:39Caleb Hammer?

  Enjoy? Like it's a feeling? What are you, what are you saying?

• 57:43Speaker 04

  Instant gratification of like, okay, I may not have the money, but I know I get paid two weeks so I can make the payment. They're, they're like my little besties.

• 57:52Caleb Hammer?

  They're your little besties. No, you're their bestie because you have a twenty seven point three seven percent interest rate. You're making them money. You are why, I think they went public, right? And the why, I'm sure they're doing pretty okay. Cause of people like you.

• 58:05Speaker 04

  That's not affirm though. That's my Amazon, that's my Amazon card. It's my Amazon credit card.

• 58:12Speaker 04

  That's just my affirm, right? I actually don't know. Not them.

• 58:17Caleb Hammer?

  It all looks like a firm to me.

• 58:18Speaker 04

  Oh, it might be.

• 58:19Caleb Hammer?

  It's a firm.

• 58:20Speaker 04

  Do I have his?

• 58:20Caleb Hammer?

  It's a firm.

• 58:21Speaker 04

  Oh, yeah. Oh, that's my Apple Watch. Yeah.

• 58:25Caleb Hammer?

  What?

• 58:26Speaker 04

  I bought that as a graduation gift for me.

• 58:28Caleb Hammer?

  What do you graduate?

• 58:30Speaker 04

  August.

• 58:31Caleb Hammer?

  Wait, graduate with your associates?

• 58:33Speaker 04

  Yeah.

• 58:34Caleb Hammer?

  In what?

• 58:36Speaker 04

  Um.

• 58:36Caleb Hammer?

  Oh. Oh, what's wrong with accounting?

• 58:39Speaker 04

  Um.

• 58:40Caleb Hammer?

  Oh, cuz you're stupid with numbers.

• 58:42Speaker 04

  Yeah.

• 58:42Caleb Hammer?

  Right.

• 58:43Speaker 04

  So, but yeah, no, me and, um, me and Amazon, we go way back where I.

• 58:49Caleb Hammer?

  Yeah, most of us do, but you can do it in a controlled way. I Amazon a lot of things.

• 58:53Speaker 04

  I'm pretty sure I'm just bankrolling Jeff Bezos' life.

• 58:59Caleb Hammer?

  You're a little comedian, aren't you?

• 59:01Speaker 00

  I don't know what I'm doing. Need a break. Forget it, I quit. Escape to Pluto TV.

• 59:06Speaker 06

  This is objectively fantastic.

• 59:07Speaker 00

  Relax into the movies and shows you already know and love, all for free. Shwing. Even our news is uplifting. You stay classy, San Diego. Watch Tommy Boy, Crazy Ex Girlfriend, Anchorman, The Legend of Ron Burgundy, The X-Files, Wayne's World, and so much more. We're not worthy. The best things on TV really are free.

• 59:25Speaker 06

  You just have to know where to look.

• 59:26Speaker 00

  Escape to Pluto TV. Stream now, pay never.

• 59:30Caleb Hammer?

  Yeah. You're a funny little girl. You think this is cutesy. I hope your boyfriend watches this back and feels disgusted.

• 59:38Caleb Hammer?

  That was mean. That was mean, but I just, like, usually I'm a bit more rosy and country, but I just feel mean right now because it's just, I don't enjoy your presence.

• 59:47Speaker 04

  I'm just a little baby. I have no money. I just have blocks.

• 59:50Caleb Hammer?

  You really are trying to be funny.

• 59:53Speaker 04

  No, I just really like that, that meme. That's funny. That's funny.

• 59:58Caleb Hammer?

  Oh. Oh, man. Ye. Guys.

• 1:00:02Speaker 04

  I can't pay you. I just have blocks.

• 1:00:04Caleb Hammer?

  Stop, will you shut the up?

• 1:00:08Caleb Hammer?

  Oh God, just keep going.

• 1:00:12Caleb Hammer?

  Oh, are you hmm? My brain is like swimming in liquid right now, just trying to like, what do I even do here to get out of this or something? Can I leave this conversation? I keep, you on your tires, thirty five point nine seven percent interest on them.

• 1:00:30Speaker 04

  Really? I didn't know that.

• 1:00:32Caleb Hammer?

  You don't know anything because you don't look at anything.

• 1:00:34Speaker 04

  No, I didn't.

• 1:00:34Caleb Hammer?

  Why would you know anything? You think you would know anything? You don't know anything until you look at things. You don't know what you're talking about.

• 1:00:39Speaker 04

  I didn't, I thought it was supposed to be interest free. Like, I really did think it was supposed to be interest free. Honestly, I thought it was.

• 1:00:47Caleb Hammer?

  You probably extended the term or something. Because sometimes they'll do interest free for like three months. But if you say, no, I want to do this for a year, it's like, ah, ah.

• 1:00:54Speaker 04

  Possibly. But they were so expensive, tires are stupid expensive.

• 1:00:57Caleb Hammer?

  And if you had emergency money, you would have been fine.

• 1:01:00Speaker 04

  Yeah. Well.

• 1:01:02Caleb Hammer?

  Well, what? Huh? Well, what?

• 1:01:05Speaker 04

  I mean, yes, but.

• 1:01:06Caleb Hammer?

  Stop whining at me. Are you creating videos as a full time creator? It's a grind between scripting, editing, and oh, all those endless little tweaks. And sometimes it feels like Taikitos would be honestly a better career choice. But that's where today's sponsor, InVideo AI comes in. With over ten million users across one hundred fifty countries, InVideo AI is the world's most used AI video creator. I remember hearing about other generative AI tools what feels like ages ago. And when I recently looked, most of them aren't even available to the public yet. But InVideo AI V three is going to be available for access soon all across the world. It's the only tool that'll truly put you in the director's seat. So here's how it works. To start, you enter in a detailed prompt.

• 1:01:49Caleb Hammer?

  For example, make a one minute video of the story of a robot named Nexus in a cyberpunk setting that wants to escape the matrix.

• 1:01:56Speaker 07

  In the neon lit labyrinth of Neo Tokyo, a city where the line between man and machine blurs, there existed a robot named Nexus.

• 1:02:04Caleb Hammer?

  Show an up close shot of the robot's face with glowing blue eyes.

• 1:02:07Speaker 07

  He possessed a spark, a consciousness that defied his programming.

• 1:02:11Caleb Hammer?

  Cut to the robot on a roof under the moon and change the voice over to my voice. One night, under. A cover of a violet moon nexus made his escape. In videos AI will generate a rough draft based on your input and it's unlike any video creation tool I've ever used before. Remember you're the director here and can prompt whatever changes you need, just like I did. So if you haven't checked out in video AI V2 already, go check it out right now for free. With paid plans, starting from just $20 a month. And if you use my code Calebhammer50, you'll get two times the number of video creation minutes in the first month. Scan the QR code on screen or check out the link in the description below to try out the future of video creation today. Zero percent interest on a $94 purchase. Thank goodness that's the one that's zero percent, guys.

• 1:02:55Caleb Hammer?

  We're making it. We're making it, guys. Everything's good. Financially secure. Everything's great. All right, but all these together.

• 1:03:05Caleb Hammer?

  All these stupid firms together, 184.

• 1:03:12Caleb Hammer?

  59 cents plus $4.25 plus $18.52.

• 1:03:19Caleb Hammer?

  Okay, affirm, affirm.

• 1:03:20Speaker 04

  200?

• 1:03:21Caleb Hammer?

  207 hours. I just thought I heard a noise coming from your side of the table and I got very upset, but this is. This is where I am right now.

• 1:03:30Speaker 04

  Okay, but I did return something from that because I felt bad for getting it.

• 1:03:33Caleb Hammer?

  What?

• 1:03:34Speaker 04

  I bought a person a wallet, but then I said, I don't need the wallet.

• 1:03:37Caleb Hammer?

  Was it the sack?

• 1:03:38Speaker 04

  Yeah.

• 1:03:39Caleb Hammer?

  Great, the 0% bullshit. So we saved $4.25?

• 1:03:43Speaker 04

  No, no, I'm still paying that. It was more. Yeah. So I returned like the thing I didn't want. It didn't fit my phone, so I just returned it.

• 1:03:54Speaker 04

  But I thought that was responsible.

• 1:03:55Caleb Hammer?

  Oh, she's still talking.

• 1:03:58Caleb Hammer?

  Oh, my gosh.

• 1:04:00Speaker 04

  I would have just kept it and just like been like, eh, oh, well.

• 1:04:03Caleb Hammer?

  We have in, you know, we usually upload like an F around video in our membership section for Hammer Elites and Hammer Pros. And we know, they know that we got a very sharp sword that was delivered. It's Jake's little play sword. I want to take that right now and sacrifice myself in front of everyone.

• 1:04:20Speaker 04

  Sepuku.

• 1:04:21Caleb Hammer?

  Yes. You're purchasing on this too, dude.

• 1:04:25Speaker 04

  I'm purchasing.

• 1:04:25Caleb Hammer?

  Is there an account you haven't purchased on? Sir

• 1:04:29Speaker 04

  Hmm

• 1:04:30Caleb Hammer?

  You ever purchase on everything?

• 1:04:31Speaker 04

  I'm pretty sure I'm purchasing on everything.

• 1:04:33Caleb Hammer?

  Oh my when you have no negative money negative money.

• 1:04:37Speaker 04

  Okay, but I did actually like freeze my Amazon card so I can't.

• 1:04:40Caleb Hammer?

  What do you mean freeze?

• 1:04:40Speaker 04

  Like you can like turn it on or off.

• 1:04:42Caleb Hammer?

  You need to close your damn accounts cuz you'll turn that shit back on. I don't give a I don't give a I don't give a single little I don't care. You're not willing to do anything, are you?

• 1:04:49Speaker 04

  No, like I want to.

• 1:04:51Caleb Hammer?

  You know, you don't.

• 1:04:52Speaker 04

  But I froze it so like I can't use it.

• 1:04:54Caleb Hammer?

  Want to.

• 1:04:55Speaker 04

  I do. I don't wanna like be in this anymore.

• 1:04:57Caleb Hammer?

  You buy like one percent.

• 1:04:58Speaker 04

  No, like twenty five at least.

• 1:05:01Caleb Hammer?

  She's she's the. You think this is a joke?

• 1:05:05Speaker 04

  No, okay.

• 1:05:06Caleb Hammer?

  You treat life as a joke?

• 1:05:08Speaker 04

  I wouldn't have. Well, I mean, sometimes that's all you have like what you gotta do to get by.

• 1:05:12Caleb Hammer?

  No, what you gotta do to get by is bolt down, make a plan, figure out what it takes to get to a goal, then start working on those. That's what it takes. I don't know what you're talking about, dude. Neither do you. You just try to justify every stupid little thing.

• 1:05:31Speaker 04

  I'm not really even sure what I spent on that. And it's only the store card.

• 1:05:36Caleb Hammer?

  I haven't heard her say that about anything else.

• 1:05:38Speaker 04

  It's only the store card, so I can't even spend it like outside of Amazon.

• 1:05:41Caleb Hammer?

  Thank.

• 1:05:42Speaker 04

  Yeah, it's probably a lot worse.

• 1:05:44Caleb Hammer?

  Buy this a whole. You can spend this at Whole Foods.

• 1:05:46Speaker 04

  Oh, really?

• 1:05:47Caleb Hammer?

  No, actually, don't listen to me.

• 1:05:49Speaker 04

  Well, I'm not. I don't live. There's no. There's not a Whole Foods in Mississippi.

• 1:05:52Caleb Hammer?

  You're right. Probably just a dollar store. Okay.

• 1:05:56Speaker 04

  There's so many dollar stores.

• 1:05:58Caleb Hammer?

  Kitty, Mississippi is probably so good.

• 1:05:59Speaker 04

  It's not.

• 1:06:00Caleb Hammer?

  So great.

• 1:06:00Speaker 04

  Don't move there.

• 1:06:02Caleb Hammer?

  I have no intention to visit. Four hundred forty six dollars and eighty eight cents.

• 1:06:07Speaker 04

  Okay, that's not bad. Oh, no, I think it's like a five hundred dollar limit, right?

• 1:06:11Caleb Hammer?

  I'm gonna I.

• 1:06:13Speaker 04

  I mean, it's bad if you look at it like that, like with everything stacked up with it, but just on its own, it's not too bad.

• 1:06:19Caleb Hammer?

  You mean, it's all bad and you're spending and there's interest. It's all bad. You're never gonna get out of debt. You're never gonna get out of debt, never gonna have a retirement. You're never gonna have anything. If your logic when looking at this, well, unemployed and negative money in your checking account is it's not that bad. You're done.

• 1:06:38Speaker 04

  I think that.

• 1:06:39Caleb Hammer?

  You're done.

• 1:06:40Speaker 04

  There's always a light at the end of the tunnel.

• 1:06:42Caleb Hammer?

  Listen, you are done.

• 1:06:44Speaker 04

  Yeah.

• 1:06:45Caleb Hammer?

  You have no hope.

• 1:06:47Speaker 04

  I feel hopeful.

• 1:06:49Caleb Hammer?

  That hope is in delusion. You have no hope. I think it is. I really do.

• 1:06:56Speaker 04

  I think that there, I think you can always get out of a situation. I think there's a light at the end of the tunnel.

• 1:07:02Caleb Hammer?

  Only if you drive, dude. You're not. You're not [__] doing anything. You're just sitting there and sometimes going backwards. Or trying to figure out a shortcut. But guess what? Dig that way out of the tunnel, you're gonna fall off the [__] cliff, okay? Like, this is what you've done when you got yourself into that, that consolidation bull.

• 1:07:20Speaker 04

  Yeah. Yeah, that was like, now looking back, that was probably not like the best idea, but, um, I didn't really know I was gonna be laid off, which is also a thing.

• 1:07:33Caleb Hammer?

  Longest hour of my life.

• 1:07:36Caleb Hammer?

  This is the longest an episode's gone in.

• 1:07:41Caleb Hammer?

  Gosh. Months.

• 1:07:47Caleb Hammer?

  I've never felt a length of an episode like I am feeling this right now. That's not funny. It's not cute and it's not a good thing. It's disgusting. Shocker, you purchased it on Amazon. Let me pull up your Amazon app, dude. Are we even halfway through this?

• 1:08:04Speaker 04

  I don't really, yeah.

• 1:08:05Caleb Hammer?

  Pull up your Amazon.

• 1:08:06Speaker 04

  Oh, no, there's not like much.

• 1:08:08Caleb Hammer?

  Pull up your [__] Amazon. Good death, lady. Good, you're getting wall sense. Oh, we got more wall sense because we definitely can't breathe. She has a little car seat cushion thing.

• 1:08:18Speaker 04

  Yeah.

• 1:08:19Caleb Hammer?

  Great, thank goodness.

• 1:08:20Speaker 04

  I take a lot of road trips.

• 1:08:21Caleb Hammer?

  Okay, stop. You probably can't afford it. Dude, you need to be working, you little [__]. You got shoes, probably never had any of those. What is this? What is this? A wrist cushion for the keyboard? That's, it's okay. I don't think you needed necessarily that. We got the same desk pad that I purchased for all my employees.

• 1:08:37Speaker 04

  It's nice.

• 1:08:38Caleb Hammer?

  You did not need a new keyboard. You did not.

• 1:08:41Speaker 04

  I actually bought two.

• 1:08:42Caleb Hammer?

  You did.

• 1:08:43Speaker 04

  Well, no, I bought one on Amazon.

• 1:08:45Caleb Hammer?

  You want to get murdered?

• 1:08:46Speaker 04

  One in person.

• 1:08:47Caleb Hammer?

  Why do you need two?

• 1:08:48Speaker 04

  I didn't like that one.

• 1:08:49Caleb Hammer?

  Did you return it? You haven't returned it, dude.

• 1:08:52Speaker 04

  I don't know. Is it still in return window?

• 1:08:54Caleb Hammer?

  I don't know. You should know because you should look.

• 1:08:57Speaker 04

  I don't know. I just was just like.

• 1:08:58Caleb Hammer?

  I.

• 1:09:00Speaker 04

  Well, I figured-

• 1:09:01Caleb Hammer?

  I'm not a physically violent man, but I'm about to be-

• 1:09:03Speaker 04

  Yeah, but I figured I would use one for work and just one keep-

• 1:09:05Caleb Hammer?

  Oh, you got a good, good wireless charger for our wireless charger station. Guys, we got Beats Pro, Studio Pros. Thank goodness, guys. By the way, we're on a point of having negative money. A beach bag, and then a Wade blanket. None of that was necessary for your life.

• 1:09:21Speaker 04

  Okay, Wade blanket-

• 1:09:22Caleb Hammer?

  You did not need that to survive. You did not need that. Oh, well?

• 1:09:26Speaker 04

  The Wade blanket-

• 1:09:27Caleb Hammer?

  Are you welling me again, lady?

• 1:09:30Speaker 04

  The Wade blanket helps me sleep. I need a good night's sleep.

• 1:09:35Caleb Hammer?

  Have your fucking boyfriend ran on you?

• 1:09:37Speaker 04

  He's too hot. It's too hot at night.

• 1:09:41Speaker 04

  And the Wade blanket's like knitted, so it breathes, so it feels good. Okay, well, we each have a Wade blanket. We each have a Wade blanket.

• 1:09:49Caleb Hammer?

  I don't know.

• 1:09:50Speaker 04

  It was, we, okay, no.

• 1:09:51Caleb Hammer?

  I don't know how you operate in society, dude. You don't shut up.

• 1:09:53Speaker 04

  No, I bought a Wade blanket for myself, and then like-

• 1:09:56Caleb Hammer?

  Have you ever heard silence and not been able to like, and have been able to exist in it for a moment?

• 1:10:01Speaker 04

  No. I don't like silence.

• 1:10:04Caleb Hammer?

  I can tell, I can tell.

• 1:10:06Speaker 04

  But we each have our own Wade blanket. We both like it.

• 1:10:08Caleb Hammer?

  Great, I'm so excited for you guys. I've never been more thrilled for a couple in my life.

• 1:10:12Speaker 04

  No, it's good. I promise. It's worth it.

• 1:10:14Caleb Hammer?

  You guys are the couple to look up to. You both have Wade blankets. Example for the rest of us.

• 1:10:21Speaker 04

  Maybe it'll help your stress if you get better sleep, too. So you might want to get one.

• 1:10:25Caleb Hammer?

  I get okay sleep unless my dog's farting in the middle of the night, which these last two nights has been farting every like five minutes because he has a little upset stomach. And that is stinky, and that's harder to sleep to.

• 1:10:35Speaker 04

  That's kinda gross.

• 1:10:36Caleb Hammer?

  Yes, it's farts.

• 1:10:37Speaker 04

  Yeah.

• 1:10:38Caleb Hammer?

  It's not the best.

• 1:10:38Speaker 04

  My dog's farts stink, too.

• 1:10:41Caleb Hammer?

  You have dogs?

• 1:10:43Speaker 04

  I have one dog.

• 1:10:43Caleb Hammer?

  No!

• 1:10:44Speaker 04

  And two cats.

• 1:10:45Caleb Hammer?

  No!

• 1:10:46Speaker 04

  Yeah!

• 1:10:46Caleb Hammer?

  That's so unfair-

• 1:10:47Speaker 04

  That's what the pet smart was. What do you think I was buying?

• 1:10:49Caleb Hammer?

  That's so unfair to them!

• 1:10:50Speaker 04

  What do you mean?

• 1:10:51Caleb Hammer?

  You can't afford pet insurance? Do you have pet insurance?

• 1:10:53Speaker 04

  Yeah.

• 1:10:54Caleb Hammer?

  You, how? You can't afford it?

• 1:10:56Speaker 04

  It's like ten dollars.

• 1:10:57Caleb Hammer?

  For the dog?

• 1:10:58Speaker 04

  For, for all three. It's bundled with my car insurance, yeah.

• 1:11:02Caleb Hammer?

  Oh, okay, okay.

• 1:11:04Speaker 04

  I'm not, yeah, because when I was, um, when I first got my dog, she like broke her leg and I didn't have insurance.

• 1:11:10Caleb Hammer?

  Broke her? How'd she break her leg?

• 1:11:12Speaker 04

  She was, I had like, I lived in a condo that had stairs, and I had like a baby gate, and she was still a puppy. And she tried to jump over the baby gate.

• 1:11:19Caleb Hammer?

  Okay.

• 1:11:20Speaker 04

  And she broke her leg. And it was really sad.

• 1:11:22Caleb Hammer?

  Okay, that is sad.

• 1:11:23Speaker 04

  Yeah. But she did it twice.

• 1:11:24Caleb Hammer?

  Okay.

• 1:11:26Speaker 04

  So I had

• 1:11:26Caleb Hammer?

  Okay, okay, alright.

• 1:11:28Speaker 04

  So after that I got

• 1:11:30Caleb Hammer?

  Oh, okay, oh sure. Yeah.

• 1:11:33Speaker 04

  Responsible.

• 1:11:34Caleb Hammer?

  I don't know what I'm looking at here.

• 1:11:36Speaker 04

  PayPal Paying For. It's just like a firm, but PayPal style. So it's just those little like mini loan things. Usually interest free.

• 1:11:53Speaker 04

  Usually.

• 1:12:03Caleb Hammer?

  Lindsay J kisses. Hmm. I don't know with this one. I think she's. Oh. The worst. Well, the worst human being I've ever met in my life.

• 1:12:21Speaker 04

  If you

• 1:12:21Caleb Hammer?

  She's the worst, shut up. I'm talking to them, not you. You're not a part of this conversation. You are. A creature. No. I need away from you.

• 1:12:34Speaker 04

  I have a Belveda in my bag, if you want one. It's good, it's blueberry. I brought snacks to come here. I will say that. I did bring, I did bring snacks.

• 1:12:41Caleb Hammer?

  Buy them at gas stations?

• 1:12:43Speaker 04

  No, I have, I bought them actually from the grocery store and I brought them with me from the house.

• 1:12:47Caleb Hammer?

  Purchases at the grocery store are snacks?

• 1:12:50Speaker 04

  Probably.

• 1:12:53Speaker 04

  And breakfast food. I'm a, I'm a breakfast girl.

• 1:12:56Caleb Hammer?

  Hey, hey, hey, guess what? Guess what, you little person? What is this? What am I even looking at?

• 1:13:03Speaker 04

  I don't know. Let me see. I might be able to bring it up on PayPal.

• 1:13:08Caleb Hammer?

  Loan agreements to something. Oh PayPal.

• 1:13:10Speaker 04

  Yeah, it's a PayPal Paying For. So it's like a firm, but PayPal.

• 1:13:13Caleb Hammer?

  Yeah, yeah, yeah. Zero percent interest on that, okay?

• 1:13:16Speaker 04

  Yeah.

• 1:13:17Caleb Hammer?

  Hold on, hold on. Zero percent interest on that, okay? So you did two?

• 1:13:23Speaker 04

  Here.

• 1:13:24Caleb Hammer?

  You did two?

• 1:13:25Speaker 04

  Yeah, that's what they are.

• 1:13:28Caleb Hammer?

  Old Navy and loyalty brand market? What loyalty brand marketing? What are you marketing?

• 1:13:33Speaker 04

  No, that's underwear. I had a, yeah, it's just, it's just stuff. Necessity.

• 1:13:41Caleb Hammer?

  You didn't have any underwear?

• 1:13:42Speaker 04

  No, I did. But like, you can't, like, you have, you have to, like, buy new ones.

• 1:13:47Caleb Hammer?

  And it's where you needed to do it when you had negative money in your checking account and no income? Couldn't wait a month and you couldn't do it the month previous? It had to be right now.

• 1:13:56Speaker 04

  Well, I guess that doesn't make any sense, but.

• 1:13:59Caleb Hammer?

  Oh, interesting.

• 1:14:00Speaker 04

  Okay.

• 1:14:01Caleb Hammer?

  Are you joining us in reality by chance?

• 1:14:03Speaker 04

  But Old Navy was work clothes that I need for my new job.

• 1:14:08Caleb Hammer?

  Okay, what, what do you need to wear to sell guns to terrorists?

• 1:14:12Speaker 04

  Well, no, it's like an office job. So I have to go to the office and it's like, you know, office sheet or whatever.

• 1:14:17Caleb Hammer?

  Okay.

• 1:14:19Speaker 04

  It's a power suit. And I worked from home previously, so I didn't have work clothes. So I needed them.

• 1:14:27Caleb Hammer?

  I don't want to hear your voice.

• 1:14:29Speaker 04

  And I have a little cash.

• 1:14:33Caleb Hammer?

  I've concluded, I've concluded.

• 1:14:35Speaker 04

  Mm-hmm.

• 1:14:35Caleb Hammer?

  Shh, shh, shh, shh, okay. Uh, this is, we're, we're in quiet time right now. Okay, in quiet time. Two hundred and sixty-eight dollars and seven cents is on this. The sixty-seven dollars and two cents paid three more times and then you're done.

• 1:14:50Speaker 04

  Wait, that's different.

• 1:14:51Caleb Hammer?

  Oh.

• 1:14:52Speaker 04

  Oh, wait, no, it's less now.

• 1:14:54Caleb Hammer?

  I don't know what I'm doing. Need a break. Forget it, I quit. Escape to Pluto TV.

• 1:14:59Speaker 06

  This is objectively fantastic.

• 1:15:01Caleb Hammer?

  Relax into the movies and shows you already know and love, all for free.

• 1:15:05Speaker 00

  Shwing.

• 1:15:05Caleb Hammer?

  Even our news is uplifting.

• 1:15:07Speaker 00

  You stay classy, San Diego.

• 1:15:08Caleb Hammer?

  Watch Tommy Boy, Crazy Ex Girlfriend, Anchorman, The Legend of Ron Burgundy, The X-Files, Wayne's World, and so much more.

• 1:15:14Speaker 00

  We're not worthy.

• 1:15:16Caleb Hammer?

  The best things on TV really are free.

• 1:15:18Speaker 06

  You just have to know where to look.

• 1:15:20Caleb Hammer?

  Escape to Pluto TV. Stream now, pay never.

• 1:15:24Speaker 04

  So that's fine, yeah. I thought it was more. But it's less now.

• 1:15:28Caleb Hammer?

  On this next one.

• 1:15:31Caleb Hammer?

  PayPal.

• 1:15:32Speaker 04

  No, it's the same one.

• 1:15:33Caleb Hammer?

  I'm gonna, it's still a different loan, right?

• 1:15:36Speaker 04

  It's the same, oh, I mean, like technically.

• 1:15:37Caleb Hammer?

  No, there's two ones, there's two.

• 1:15:40Speaker 04

  But in total, it's two fourteen, two fifteen. Like, it's two separate, one's like forty, one's sixty, or something like that. Right?

• 1:15:49Caleb Hammer?

  Yes, that's what I was going through. Oh, my.

• 1:15:53Speaker 04

  I thought you wrote down the wrong number.

• 1:15:55Caleb Hammer?

  Oh, my gosh, I could never have a beer with you.

• 1:15:58Speaker 04

  Oh, wait, no, I actually like beer.

• 1:16:00Caleb Hammer?

  Me either, I don't, I don't.

• 1:16:01Speaker 04

  No, I do like beer. No, I do.

• 1:16:04Caleb Hammer?

  Are you drunk right now?

• 1:16:05Speaker 04

  I wish.

• 1:16:07Caleb Hammer?

  No, I could not imagine what that's like PayPal. One, two, okay, yo.

• 1:16:14Caleb Hammer?

  Gosh, I'm sorry for being mean to you. I'm, well, actually, kind of, not really, I don't really feel sorry.

• 1:16:19Speaker 04

  I don't feel like you're being that mean.

• 1:16:21Caleb Hammer?

  No, well, I'm, I just, I feel, I hate the feeling of feeling a dislike towards someone.

• 1:16:28Speaker 04

  So you're saying you dislike me?

• 1:16:29Caleb Hammer?

  Yes, and I hate that feeling, I rarely feel that towards a guest.

• 1:16:32Speaker 04

  You can't just tell people you dislike them.

• 1:16:33Caleb Hammer?

  Yes, I can say whatever the fuck, what, shut the, what do you mean? You're in my studio, you're in my life, you're sitting across from me, we're in a world where people talk, absolutely, I can say that, you can say it too, I don't give a fuck, okay? What do you mean you can't say that? What are you talking about?

• 1:16:47Speaker 04

  Yep.

• 1:16:47Caleb Hammer?

  You can tell people you don't like them all the time, but I usually don't, don't like people, it is rare for me to actually like legitimately not like someone. Every time on the, you know, show, I, I, you know, I blow up, I, I make the finances known clear to them, and it is rare, it is rare, maybe once a month that I legitimately do not like someone. And I feel bad that I do not like you because this sucks.

• 1:17:07Speaker 04

  Wait, are you telling me I'm, like, rare?

• 1:17:09Caleb Hammer?

  Yes, and that's not cutesy, so shut the fuck up.

• 1:17:15Caleb Hammer?

  Oh. I don't know if I want to have you in the post show. I don't think I'm gonna let you be. I don't want to talk to you anymore.

• 1:17:24Speaker 04

  I feel that.

• 1:17:25Caleb Hammer?

  You feel it, you understand?

• 1:17:27Speaker 04

  I get it, yeah.

• 1:17:29Caleb Hammer?

  Let's just see, I mean self there's a thousand dollars, twenty six dollar minimum payment, well you're spending like crazy in here, five below, five below, shut the up for a second, I am just gonna get a perception of what the is left here, cuz this is insane, Jasmine Cuisine, Pop Shelf, Raising Cane's, Botanical Garden, Korean Barbecue, Space Center, Giga Parts, Mellow Mushroom, Little Caesar, shut the fuck up, shut the fuck up, I don't care, I am observing this thing here, what you're going through, okay, okay, okay, it's at twenty six point four nine percent interest, great, wonderful, awesome, and then we have upgrade as well, oh good, seven thousand nine hundred ninety six, huh, I'm gonna

• 1:18:12Caleb Hammer?

  fuck that with a minimum payment of three hundred twenty eight dollars, you're gonna fuck that.

• 1:18:16Speaker 04

  That's the consolidation.

• 1:18:17Caleb Hammer?

  Shut the fuck up, oh good, thank goodness, I don't need an explanation for all this, I'm just trying to just get a perception of where you're at, okay, okay, minimum payment on student loans, we have student loans here, what is the current amount, oh seven twenty nine on that one, outstanding balance a thousand dollars there, eleven dollars and then, uh, so your minimum payment for this, three thousand dollar one, three thousand dollars, eleven dollars, three thousand four hundred dollars and that's it, fourteen hours a month, five thousand four hundred dollars, twenty one dollars a month, six thousand two hundred twenty three dollars, twenty dollars a month, nineteen thousand dollars, ah, it's twenty thousand dollars, seventy five dollars a month, you owe money to your dad, fifteen thousand, someone slipped this bullshit in, what do you owe to your damn dad, what do you owe to your damn dad, what do you owe to your damn dad?

• 1:19:02Speaker 04

  That's the first consolidation loan.

• 1:19:05Caleb Hammer?

  Your first consolidation loan was your dad?

• 1:19:07Speaker 04

  Yeah.

• 1:19:08Caleb Hammer?

  Good. This world, guys, we're doomed, we're doomed, this is it, this is who, this is who our neighbor is, oh.

• 1:19:19Speaker 04

  So, but now that-

• 1:19:20Caleb Hammer?

  You're living next to people like this and they're not all in Mississippi.

• 1:19:23Speaker 04

  No, but now that I'm older, I'm like, I feel bad that I did that.

• 1:19:28Caleb Hammer?

  When did you do this, twenty?

• 1:19:30Speaker 04

  Yeah, so I wanna like-

• 1:19:31Caleb Hammer?

  You owe him fifteen thousand dollars since twenty, so for a decade you owed him this, what do you mean, I thought you said you took it out of your 401k to pay off debt when you were twenty, what are you talking about?

• 1:19:38Speaker 04

  No, I like, I did some of that as well, like I did both.

• 1:19:45Caleb Hammer?

  Okay. Okay. Okay.

• 1:19:48Speaker 04

  No, like I wanna pay him back cuz I feel bad.

• 1:19:52Caleb Hammer?

  I just don't wanna hear your voice. I really don't. I'm so sorry. I'm so sorry. Oh, I hate this feeling. I'm so conflicted in so many ways. One, I could make this episode last two hours going through all this stuff. Two, I want to get as far away from you as possible. Three, I hate feeling like legitimately like I don't like someone, not just, you know, like, ha, ha, ha, little jokes, little jabs. I hate this. I hate this feeling. This is I'm so conflicted. This episode is confliction galore.

• 1:20:21Speaker 04

  Do you need a way to

• 1:20:21Caleb Hammer?

  I need you to shut the up.

• 1:20:23Speaker 04

  Way to blink it might help.

• 1:20:27Caleb Hammer?

  So you're saying you have negative money you're checking account right now cuz guess what? You had seven hundred twenty-three dollars.

• 1:20:32Speaker 04

  In there?

• 1:20:32Caleb Hammer?

  But you're saying it's negative now?

• 1:20:34Speaker 04

  Yeah. Well, okay, so if you look at my statement, if you look at my statement, it ends like on a weird timeframe. So like it's been quite a minute.

• 1:20:42Caleb Hammer?

  What?

• 1:20:45Speaker 04

  Like it ends in like early November or something or October, the end of October, like October twenty-four. Like it's weird.

• 1:20:52Caleb Hammer?

  Okay, sure. October twenty-four.

• 1:20:54Speaker 04

  So like it's been almost like it's been a few weeks.

• 1:20:56Caleb Hammer?

  It's been like two weeks. Okay, calm down. Uh, it's just Texas where it has some fucking sponge and um, Diamond Arcton, this is like Amazon and

• 1:21:07Speaker 04

  What is that?

• 1:21:07Caleb Hammer?

  It's just a McDonald's and Playstation and a firm and I'm not even gonna go through all this. It doesn't matter.

• 1:21:13Speaker 04

  DMF's.

• 1:21:14Caleb Hammer?

  Listen, I'm not going through the rest of this. It's all bull It's all done. I hope none of that went into the fish tank. This

• 1:21:23Speaker 04

  But you say where I wanna go.

• 1:21:26Caleb Hammer?

  I'm trying to, I'm trying to process. I, this is a hopeless conversation. Not for you.

• 1:21:34Caleb Hammer?

  No, for you. I want to make it sound better than it is because right now I'm only doom and gloom right now. How do I try to make this sound better? I'm ending the conversation early and I'm kicking you off. I don't want to sit in front of you in the post show. I don't. You can stay in the green room for a bit and Lindsay and you can talk afterwards. You're horrendous existence in front of me right now. I don't think you're a bad person, but the fact that you think it's all cutesy annoys me. You're not taking this seriously. You're not taking your life serious. You have no actual desire to get out of debt. You don't care. You're trying to look funny. You're being dumb. You don't understand things. You don't know what a number is.

• 1:22:13Caleb Hammer?

  I don't want to talk to you and I do not have hope for a single second that you are going to get out of debt. You might through consolidation borrowing from dad sucking. I don't know. But I don't think you are going to get out of debt by changing behavior. Cause you've never changed behavior once in your life, even though you have tried multiple times by not trying. Guess what? Guys, why did Dave Ramsey's method not work? Why did it not work? Because I enjoyed spending. That's not his method. I could give you my method. I could get you at the classes and I still will with hope that you might change your life. But guess what? Without actually changing your behavior, without deciding that you are going to put your future over your spending, you are not going to accomplish any thing ever.

• 1:22:56Caleb Hammer?

  And I'm done with it because you're taking this conversation like a joke and that is an embarrassment for my existence right now. And I'm pissed off in you with you and I am done. You can turn off her microphone. I don't want to see it, hear a single word from her. Guys, we're going to the post show. She won't be there, but maybe we'll look through the rest of the documents without her. Cause what a joke. Hey, my financial score. Shut the up. Oh, I'm enraged much. Kill. There's one more thing. What? She needs to pay her mom back $1,000. Sake, is it worth getting her thoughts on this?

• 1:23:30Speaker 01

  Think about bringing her back in.

• 1:23:31Speaker 06

  Is she going to be the first person to get double kicked off?

• 1:23:34Caleb Hammer?

  Okay, why do you owe $1,000 to your mom and you haven't made a payment in 18 months? That's stupid. That enrages me.

• 1:23:42Caleb Hammer?

  To watch the financial audit.

• 1:23:43Speaker 00

  Click the join button below. Now streaming on Paramount Plus.

• 1:23:48Speaker 01

  I'm Dexter Morgan. I've been killing killers for half my life. It gets to you.

• 1:23:53Speaker 05

  You're having a midlife crisis.

• 1:23:55Speaker 01

  I'm not ready for this.

• 1:23:57Speaker 00

  He's back.

• 1:23:58Speaker 01

  I'm older. I'm wiser.

• 1:24:01Speaker 00

  And sharper than ever.

• 1:24:03Speaker 01

  Things are gonna get messy. But if I can't believe in myself, I can't believe in anything.

• 1:24:10Speaker 00

  Dexter Resurrection. New season now streaming on the Paramount Plus Premium Plan.