Financial Audit’s Dumbest Couple Ever

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

• 0:00Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. You're a child and she actually supports it because she was desperate to get with someone.

• 0:07Speaker 01

  I mean, that's what you think.

• 0:08Caleb Hammer?

  He popped out two babies with two women he wasn't married to. Why do you actually want to be with him, please?

• 0:14Speaker 02

  I just think all this is temporary.

• 0:16Caleb Hammer?

  Oh, she's

• 0:19Caleb Hammer?

  You are, you are coping, you are in the honeymoon phase like none other. He's a cancer. Download my new simpler budget app today and take control of your money once and for all.

• 0:31Speaker 02

  Hi, my name is Megan. I'm 34 years old.

• 0:33Speaker 01

  Hi, my name is Will. I'm 35 years old. We live in Fort Worth, Texas.

• 0:37Speaker 02

  And this is Financial Audit.

• 0:40Caleb Hammer?

  Hey, thanks for coming down from Fort Worth, guys. So we'll start with you, Megan. You're the one in front of me. What do you do for a living in Fort Worth?

• 0:46Speaker 02

  I am an assistant property manager for an apartment community.

• 0:49Caleb Hammer?

  Very nice. What do you make?

• 0:51Speaker 02

  Um, 24 an hour plus commission.

• 0:56Caleb Hammer?

  What's the commission, closing leases?

• 0:58Speaker 02

  Yeah, closing leases and renewals.

• 1:00Caleb Hammer?

  Perfect. What would you say comes in on a monthly basis? What net? What are we hitting?

• 1:05Speaker 02

  Um, maybe 3,000 to 3,500 net.

• 1:10Caleb Hammer?

  Okay, okay, very cool. Will, what do you do?

• 1:14Speaker 01

  Uh, I work for the railroad.

• 1:16Caleb Hammer?

  The railroad, okay.

• 1:17Speaker 01

  The railroad.

• 1:18Caleb Hammer?

  It's, um, 1850. Wonderful.

• 1:21Speaker 01

  Yeah, I'm not building the railroad. I just work on the cars pretty much.

• 1:25Caleb Hammer?

  Yeah, we made the Chinese do that, so I didn't think it'd be you.

• 1:28Speaker 01

  Yeah.

• 1:28Caleb Hammer?

  Okay, so what do you make?

• 1:31Speaker 01

  Um, I make about 2,400.

• 1:34Caleb Hammer?

  You make less?

• 1:35Speaker 01

  A month.

• 1:36Caleb Hammer?

  For the railroad?

• 1:37Speaker 01

  Yes.

• 1:37Caleb Hammer?

  Well, what do you do? What's your job?

• 1:39Speaker 01

  I'm a car man.

• 1:41Caleb Hammer?

  You sit in there?

• 1:42Speaker 02

  Train mechanic.

• 1:42Speaker 01

  Yeah, mechanic. Yeah.

• 1:44Caleb Hammer?

  What? They don't make?

• 1:45Speaker 01

  They do. I, I pay child support.

• 1:49Caleb Hammer?

  Oh, so you're saying?

• 1:49Speaker 01

  That's what I get.

• 1:50Caleb Hammer?

  What's your child support on a monthly basis?

• 1:53Speaker 01

  1,700.

• 1:54Caleb Hammer?

  Okay, that's pretty substantial.

• 1:57Speaker 01

  Yeah.

• 1:57Caleb Hammer?

  Wait.

• 1:58Speaker 01

  So that's what I get, like, on my check.

• 2:00Caleb Hammer?

  There's like a max child support in Texas, but in terms of percentage of income is?

• 2:05Speaker 01

  It's, yeah, based off income.

• 2:07Caleb Hammer?

  Well, yeah, it's based off income, but there seems a little high. Wait, how many kids?

• 2:12Speaker 01

  Two. There we go.

• 2:14Caleb Hammer?

  Well, that's why it's a little high. Child support. So you went through a little divorce, a little, little touch of the divorce?

• 2:19Speaker 01

  A little. No, I've never been married.

• 2:21Caleb Hammer?

  Oh, a little touch of the, didn't?

• 2:23Speaker 01

  Separation. Yeah.

• 2:26Caleb Hammer?

  Yeah. How old are the kids?

• 2:28Speaker 01

  I got a seven and fifteen.

• 2:31Caleb Hammer?

  So I take it seven and fifteen. Okay.

• 2:33Speaker 01

  Yeah.

• 2:35Caleb Hammer?

  Fifteen. I take it that you do not have split custody?

• 2:42Speaker 01

  No.

• 2:42Caleb Hammer?

  Yeah. How often do you see them? Are they here?

• 2:44Speaker 01

  Uh, my son is here. My daughter's not.

• 2:47Caleb Hammer?

  Okay. Why don't you have split?

• 2:51Speaker 01

  Well, my daughter is in Michigan.

• 2:54Caleb Hammer?

  Rip her.

• 2:55Speaker 01

  So, yeah, it's too far. And then my-

• 2:58Caleb Hammer?

  Too cold?

• 2:59Speaker 01

  It is. Um, and then my son, um, when we set it up, I was traveling for work. So they were basically like the fault, like they were like you get every other weekend.

• 3:11Caleb Hammer?

  There's two of them.

• 3:13Speaker 01

  Yeah.

• 3:14Caleb Hammer?

  You nervous the dude's gonna be dropping loads?

• 3:16Speaker 01

  Uh, well, Meghan's not worried about that.

• 3:20Speaker 02

  I can't have any more kids.

• 3:22Caleb Hammer?

  Anymore?

• 3:23Speaker 02

  Mm-mm.

• 3:23Caleb Hammer?

  Anymore, meaning?

• 3:24Speaker 01

  She's, she can't-

• 3:25Caleb Hammer?

  There's kids.

• 3:26Speaker 01

  Not possible.

• 3:27Speaker 02

  Right.

• 3:27Caleb Hammer?

  And but any more kids, as in there are kids?

• 3:30Speaker 02

  I ha- I have a son of my own.

• 3:31Caleb Hammer?

  Okay, how old's your kid?

• 3:32Speaker 02

  He's, uh, eleven.

• 3:34Caleb Hammer?

  Okay. So he live with you?

• 3:36Speaker 02

  Yes.

• 3:36Caleb Hammer?

  Okay.

• 3:36Speaker 02

  Full time.

• 3:37Caleb Hammer?

  So that's the kid at the house?

• 3:39Speaker 02

  Yes.

• 3:40Caleb Hammer?

  Okay, very good, very good. Do you receive child support?

• 3:42Speaker 02

  Minimal, but yes.

• 3:44Caleb Hammer?

  What? How much?

• 3:44Speaker 02

  Um, when it's paid, it's eighty-six dollars a week.

• 3:49Caleb Hammer?

  What do you mean when it's paid? What's the situation?

• 3:51Speaker 02

  Um, he's very inconsistent.

• 3:53Caleb Hammer?

  Yeah, but he would have a legal mandate. Okay.

• 3:56Speaker 02

  He job hops.

• 3:57Caleb Hammer?

  So he's a loser.

• 3:58Speaker 02

  Mm-hmm. So when he's in between jobs, I don't get child support. And then, uh, it could take a couple of weeks when he gets a new job for the state to catch up to him.

• 4:07Caleb Hammer?

  Yeah.

• 4:07Speaker 02

  Um, so for me to start getting that money back, but yeah, his, his-

• 4:11Caleb Hammer?

  Are you guys married?

• 4:12Speaker 02

  Us? No.

• 4:13Speaker 01

  No.

• 4:14Caleb Hammer?

  Are you getting married?

• 4:15Speaker 02

  I mean, maybe, in the future.

• 4:18Caleb Hammer?

  How are you guys kind of early? Usually I only do married couples or couples that are about to be married.

• 4:23Speaker 02

  Yeah.

• 4:23Caleb Hammer?

  So what, what the fuck is going on? Okay, what is going on here? What is, what is going on here?

• 4:27Speaker 02

  Yeah, so I was gonna do the whole call-in show, um, thing that you started.

• 4:33Caleb Hammer?

  For Hammer Elite and VIP members, check it out. It's fun.

• 4:36Speaker 02

  Yeah.

• 4:37Caleb Hammer?

  I'll give you a free month of the membership. I pay you. I pay you. I give you a Visa gift card to cover it when you sign up.

• 4:42Speaker 02

  Yeah, so I was gonna do the um, the call in show, but then I decided just to apply and, you know, just ask if this would be a good idea for us to move in together um, and kind of figure out what that would look like.

• 4:54Caleb Hammer?

  You don't even live together.

• 4:55Speaker 01

  Not yet.

• 4:55Caleb Hammer?

  What the fuck am I dealing with here?

• 4:59Speaker 01

  Yeah, not yet.

• 5:00Caleb Hammer?

  I haven't dealt with a couple in this infancy stage. It's gonna be curious. So your finances are and should be separate. Wait, they are separate, right?

• 5:11Speaker 02

  For the most part.

• 5:12Caleb Hammer?

  Okay, what are you guys integrated on? Cause I always talk about married couples combining. And I know some people think I do like one size fits all for that. I'm honestly okay with how anyone does their finances as long as it works. And what I see is oftentimes married couples, they're not combining finances and then it just doesn't work. So I just try to put them into a path that works. But either way, you guys shouldn't even be considering combining some things. What, what, what are you, what, what possible is confirmed? Or combined?

• 5:39Speaker 02

  Um, I mean, we just share, you know, like if we're gonna get food or whatever, eat out, we'll just, he'll grab my card, I'll grab his card. Um, that type of thing.

• 5:49Caleb Hammer?

  What does that mean, grab card?

• 5:51Speaker 01

  Just grab her card and use it.

• 5:53Speaker 02

  To go pick up food.

• 5:54Speaker 01

  Food, drinks.

• 5:57Caleb Hammer?

  And then do we, like, how is that working or is this, we're just covering it?

• 6:00Speaker 02

  It's, I think it's just.

• 6:01Caleb Hammer?

  Is there a discussion of who's covering the meal? Cause I mean, that's, that's different than being on like a loan together or something. That would be the huge concern.

• 6:07Speaker 01

  Right.

• 6:07Caleb Hammer?

  Well, I'm.

• 6:08Speaker 02

  It's more of like, if we go out to eat, I, I don't know. I think we kind of just have like an understanding. Um, like who's gonna pay that night? We, I'll, I'll ask him, like, are you paying for this or am I paying for this?

• 6:20Speaker 01

  I did pay for a lot of it at first.

• 6:22Speaker 02

  At first, yeah.

• 6:23Speaker 01

  And then she like realized I didn't have any money. And she was like, oh, she was like, she was like, oh, here. Um, yeah, I'll help you out.

• 6:32Speaker 02

  Yeah. So then I started pitching in a little bit more as far as like the.

• 6:37Caleb Hammer?

  His little sugar mama?

• 6:39Speaker 02

  I wouldn't go that far.

• 6:40Speaker 01

  No.

• 6:42Caleb Hammer?

  No.

• 6:42Speaker 02

  No, no.

• 6:43Speaker 01

  I mean, you did help.

• 6:44Caleb Hammer?

  What is it?

• 6:44Speaker 01

  You did help with the, you with rent.

• 6:46Speaker 02

  Yeah, I might have.

• 6:47Caleb Hammer?

  Okay, well, that is a sugar mama situation. Hold on.

• 6:50Speaker 01

  Well, no, no, no, no, no.

• 6:52Caleb Hammer?

  What's your rent? What's your rent?

• 6:54Speaker 01

  My rent?

• 6:54Caleb Hammer?

  Yeah, what's your rent?

• 6:55Speaker 01

  Is sixteen fifty.

• 6:56Caleb Hammer?

  How the f- possible do you have a sixteen fifty rent? If you're making two thousand four hundred dollars net? In what world did that make sense? Cause you've been getting, you've been paying this child support for a few years.

• 7:06Speaker 01

  Yeah.

• 7:06Caleb Hammer?

  Seeing their ages. So in what world do you think you should? What is that? What, what did you say, sixteen hundred?

• 7:12Speaker 01

  Yeah, sixteen fifty.

• 7:14Caleb Hammer?

  Sixteen fifty plus utilities and.

• 7:16Speaker 01

  Yeah.

• 7:17Caleb Hammer?

  Everything, okay? What? Okay, so seventy percent? Seventy percent? Seventy percent of your money goes to rent?

• 7:25Speaker 01

  They approved me for the apartment.

• 7:27Caleb Hammer?

  Not afraid that dudes just date and try to get extra bill in?

• 7:31Speaker 02

  No.

• 7:31Caleb Hammer?

  I wouldn't, I don't know, you guys, I'm not gonna suggest it, but, I mean, dude's not paying rent, he's having his girlfriend pay the rent. How long have you guys been together?

• 7:38Speaker 02

  Since August.

• 7:40Caleb Hammer?

  Okay.

• 7:41Speaker 02

  I mean, to be fair, this didn't start until just like this past month. How did we meet?

• 7:47Caleb Hammer?

  Yes, how'd you meet? Because I guess we're in that era.

• 7:50Speaker 02

  We're internet strangers. We met on Bumble.

• 7:53Speaker 01

  Strangers on the internet.

• 7:54Caleb Hammer?

  Oh, Bumble, okay. That, I thought it was gonna be like a chat room or something. You say internet strangers.

• 7:58Speaker 02

  I mean, Bumble's the internet.

• 7:59Caleb Hammer?

  It's a dating app.

• 8:00Speaker 01

  Yeah. Dating app.

• 8:01Speaker 02

  Yeah.

• 8:02Caleb Hammer?

  Yeah, okay.

• 8:04Caleb Hammer?

  Okay. So what am I trying to do here? Like, what do you want me to approach? What are we doing? What is going on in general?

• 8:14Speaker 02

  So, we both obviously have our own debt separately that we have to work on. And when we, uh, move in together, you know, just trying to figure out, is this something realistic? That we can both manage, uh, together? And work on our debt separately and saving and all that type of stuff going forward.

• 8:35Caleb Hammer?

  And you guys are already talking about marriage?

• 8:37Speaker 02

  No.

• 8:38Speaker 01

  No, you brought that up.

• 8:39Caleb Hammer?

  I brought it up.

• 8:39Speaker 01

  You said the M word first.

• 8:42Caleb Hammer?

  I did, but you said that's something we're considering in the future.

• 8:44Speaker 01

  I mean, if we're gonna live together, I mean, it might, you know, and things are going good. We are moving in together.

• 8:51Caleb Hammer?

  You are moving in together. It's official.

• 8:53Speaker 02

  We're going down that track.

• 8:55Caleb Hammer?

  Guy doesn't know how to budget his living situation, so he just moves in?

• 8:58Speaker 02

  No, it's not like that, no.

• 9:00Caleb Hammer?

  Well, what is it like?

• 9:00Speaker 01

  Her lease is up and mine's not up yet, but I can't afford the apartment and there's no point in having two apartments when I'm over her house or she's over my house.

• 9:12Caleb Hammer?

  How are you guys planning on splitting the bills? How are we doing at fifty fifty? What's the idea?

• 9:16Speaker 01

  Fifty fifty until I pay my debt and then I can pay more because.

• 9:20Caleb Hammer?

  So is this stack? Oh, my gosh. This is not.

• 9:22Speaker 01

  That's not all.

• 9:23Caleb Hammer?

  Oh, fuck. Okay, so we both have debt going into our mid thirties?

• 9:29Speaker 01

  And then I'll pay more because I make, you know?

• 9:32Caleb Hammer?

  Huh?

• 9:33Speaker 01

  I'll pay more because I make more money.

• 9:35Caleb Hammer?

  But net not.

• 9:38Speaker 02

  Well, he's gonna be getting his raise soon. Um, plus, so he, so he's getting set up at work. He'll be getting more money.

• 9:48Speaker 01

  Yeah, I'll be getting a good raise.

• 9:49Speaker 02

  Yeah.

• 9:50Speaker 01

  So I will make more than her.

• 9:52Caleb Hammer?

  Raise.

• 9:53Speaker 01

  So I'll get like a seven dollar raise an hour.

• 9:57Caleb Hammer?

  What is your hourly now?

• 9:59Speaker 01

  Thirty-four.

• 10:00Caleb Hammer?

  Okay.

• 10:02Speaker 01

  So I'll be making like forty-one.

• 10:06Caleb Hammer?

  Okay, what's gonna be your net at that point after child support?

• 10:09Speaker 01

  After child support?

• 10:10Caleb Hammer?

  Yes, after child support, because that's what matters here.

• 10:14Speaker 01

  Four, uh, thirty-eight a month? Thirty-eight hundred?

• 10:19Caleb Hammer?

  Seven dollars wouldn't increase you to an extra? Huh? Thirty-eight from twenty-four with a seven dollar raise?

• 10:26Speaker 02

  I think he might be also factoring in overtime that will be available to him.

• 10:31Speaker 01

  I do work overtime.

• 10:32Speaker 02

  Yeah.

• 10:33Caleb Hammer?

  Are you factoring your overtime in the twenty-four hundred that comes in?

• 10:36Speaker 01

  Nah, I didn't, I didn't get to work overtime.

• 10:39Caleb Hammer?

  I'm asking what hits on a normal basis and you said 24 not.

• 10:43Speaker 01

  Yeah.

• 10:44Speaker 02

  So.

• 10:45Caleb Hammer?

  Why does that change all of a sudden?

• 10:47Speaker 02

  Because, okay, so before he got his raise or he's getting his raise, he wasn't allowed to work overtime.

• 10:54Speaker 01

  But now I.

• 10:56Speaker 02

  But since he's getting his raise now, he'll be allowed to work overtime. So I think that's why it's going up so drastically. Is because 24 is.

• 11:04Speaker 01

  A little high.

• 11:06Speaker 02

  I think you might be not doing math very well.

• 11:09Speaker 01

  The math.

• 11:09Speaker 02

  In your head, the math's not mapping.

• 11:11Caleb Hammer?

  How the fuck am I gonna budget for it then?

• 11:13Speaker 02

  Yeah.

• 11:14Speaker 01

  Um, I don't know. Um.

• 11:19Caleb Hammer?

  What can I help with?

• 11:22Speaker 02

  We just want to figure out if this is like something that's realistic to do.

• 11:27Caleb Hammer?

  What, the moving in?

• 11:28Speaker 01

  Yeah.

• 11:29Speaker 02

  Well, the finances.

• 11:30Caleb Hammer?

  Your lease?

• 11:31Speaker 01

  Yeah.

• 11:31Speaker 02

  He's gonna have.

• 11:32Caleb Hammer?

  What does that cost?

• 11:34Speaker 02

  We looked at the lease and it's probably about almost $5,000.

• 11:38Caleb Hammer?

  So what the fuck are we doing? Why do we have to move in together now?

• 11:41Speaker 02

  Because it'll be.

• 11:42Caleb Hammer?

  Why can't you move into his current place?

• 11:45Speaker 01

  It's a one bedroom.

• 11:45Speaker 02

  It's a one bedroom.

• 11:46Caleb Hammer?

  Congratulations. You guys sleep together. You're dating. You're banging consistently.

• 11:49Speaker 02

  And then I have my son. Where is he gonna sleep?

• 11:53Speaker 01

  On the couch?

• 11:54Speaker 02

  Yeah.

• 11:54Caleb Hammer?

  But it's a temporary situation. How much longer is your lease?

• 11:57Speaker 01

  Till September.

• 11:58Speaker 02

  Mm hmm. So it'd be about five or six months until his lease is up from the time that I would have to move out of mine.

• 12:05Caleb Hammer?

  $5,000 with, I don't know your financial situation yet. We're gonna go through it together.

• 12:12Caleb Hammer?

  But 5,000 hours incorporated into a pile this big likely doesn't sound like something that's realistic or even making sense.

• 12:19Speaker 01

  I'm trying to find a way around it.

• 12:21Caleb Hammer?

  Well, the how the what's that even mean trying to find? You're not gonna find a way around it. You gotta go through it. That's not how finances work. That's your declaring bankruptcy, but then good luck getting another lease immediately.

• 12:32Speaker 01

  No.

• 12:32Caleb Hammer?

  Then what way around it are you talking about? There's what? Go ahead. Go ahead. Little genius guy in the financial situation. He knows all the answers because there's ways around it, right? So you guys are obviously gonna get out of it because he already knows the ways around it. So you guys are good. There's no point of the conversation.

• 12:45Speaker 01

  So what if I was in the military?

• 12:52Speaker 02

  She had, okay.

• 12:53Caleb Hammer?

  Has given you a face when you said that. Is this?

• 12:56Speaker 01

  I mean.

• 12:57Speaker 02

  Well, because if.

• 12:59Speaker 01

  There is that.

• 13:00Speaker 02

  There, there's a loophole.

• 13:01Caleb Hammer?

  Is that an option?

• 13:02Speaker 02

  To not, so there's a loophole to not paying.

• 13:04Caleb Hammer?

  Thought you were getting a big boy raise.

• 13:05Speaker 02

  To break your lease if you can show that you have military papers that you're getting, uh, like restationed or something.

• 13:13Caleb Hammer?

  And are you getting restationed?

• 13:15Speaker 02

  No, but.

• 13:15Caleb Hammer?

  Then what the are we talking about?

• 13:17Speaker 01

  I don't know.

• 13:18Speaker 02

  Yeah.

• 13:19Caleb Hammer?

  Huh?

• 13:19Speaker 01

  I don't know. I mean, I could get the papers and.

• 13:24Caleb Hammer?

  Huh?

• 13:26Speaker 02

  We're helping a friend.

• 13:26Caleb Hammer?

  No, actually, answer the question. You're bringing it up. So what the are you talking about? Cause I don't know.

• 13:31Speaker 01

  They wouldn't be real.

• 13:32Caleb Hammer?

  Huh?

• 13:33Speaker 01

  They wouldn't be real.

• 13:34Caleb Hammer?

  You're talking about lying it, lying about it.

• 13:36Speaker 01

  Yeah, a white lie.

• 13:39Caleb Hammer?

  On one of the most popular podcasts on the internet where people see it, what the are you talking about? Or and or doing reminder again, I've brought this up in another episode where someone was being a dumb. I allow them to tell me what they do not want to talk about beforehand, and I don't ask a second question. We just don't talk about it. The are you talking about?

• 13:56Speaker 01

  I mean, obviously probably won't work, but.

• 13:59Caleb Hammer?

  Well, not anymore.

• 14:00Speaker 01

  Not anymore.

• 14:03Speaker 02

  So he actually.

• 14:05Speaker 01

  I mean.

• 14:06Speaker 02

  He has landlord debt from a previous apartment.

• 14:09Caleb Hammer?

  Oh, good. I guess we should just jump into it.

• 14:11Speaker 02

  Um.

• 14:13Caleb Hammer?

  Debt city. Well, with this guy, the ideas that he's throwing out, it's not very smart. So let's see here. I'm just, just combining the numbers to essentially simulate what you guys would be like as a couple. For the payroll that came in, we had 2,732 from you. That is certainly less than the 3,000 to 3,500 that comes in that you said would come in.

• 14:34Speaker 02

  Does that take into consideration my commissions? I don't know.

• 14:39Speaker 01

  Don't you not get those anymore?

• 14:41Caleb Hammer?

  Let's cut right to the chase about something that's changing the game in mobile plans. If you're like me, dealing with your phone bill can be a hassle, not just with the carriers, but also for your budget. But today's sponsor, Helium Mobile, is here with a solution that might just be what we've all been waiting for. First of all, can you imagine paying zero dollars? For your phone plan with helium's new zero plan. That's exactly what you get. We're talking three gigs of data, 100 minutes and 300 texts every month at absolutely no cost. Perfect for anyone who's tired of overpaying, just needs the basics without the fuss. And if you're someone who's always streaming or scrolling like me, the airplane is perfect for you.

• 15:18Caleb Hammer?

  For just $15 a month, you get a whopping 10 gigs of data, plus unlimited calls and texts. And that's a no brainer for the budget conscious using their phone a decent amount of the time. And if you're practically living on your phone, let's talk about the infinity plan. This is the ultimate in mobile freedom. For just $30 a month, you get unlimited data, calls and texts. That's right, unlimited. Whether you're streaming your favorite shows like mine, gaming on the go, or constantly connected for work. It's perfect for anyone who needs their phone to keep up with their high speed, always on lifestyle. But here's the kicker. You earn cloud points just by using your phone. When you share your anonymized location data so helium can improve their coverage. You can earn and use those points for cool stuff like gift cards to Airbnb stays, Uber rides, or even snagging some new gear.

• 16:02Caleb Hammer?

  And hey, if you join helium before, no worries. You can totally keep your existing $20 plan. No need to switch unless you want to. So are you ready to ditch those high phone bills? Click the link below or head to hellohelium.com and download the app and use code Caleb to get access to these new plans. That's hellohelium.com with the code Caleb. Thanks to helium for sponsoring today's video. Now let's jump back into the audit. Well, I see the child support for 30 hit, which is also more than you say comes in. Yeah, but that was probably one of those times where. Our commissions, how are our commissions paid out? What would they be so? Cause I have. It comes. PayPal and Zelle. I also have a payday loan payout.

• 16:43Caleb Hammer?

  Who the took out a payday loan? This one.

• 16:45Speaker 01

  Oh, that was me.

• 16:46Caleb Hammer?

  You already borrowed money from her for rent. Why'd you have to take out a payday loan? You want to move in with this guy. This is the guy you trust. Because I wouldn't be laughing at that. That's horrifying. Horrifying.

• 16:55Speaker 01

  Rent comes out every month. Okay.

• 16:58Caleb Hammer?

  Oh, oh, groundbreaking information. We couldn't expect that.

• 17:02Speaker 01

  They want it every month, Caleb.

• 17:06Caleb Hammer?

  Well.

• 17:07Speaker 01

  Yeah, I mean.

• 17:09Speaker 02

  Well, he didn't. So to be fair, I didn't give him money right away. It was just this past month and

• 17:16Caleb Hammer?

  Would you take out the payday loan? Cause isn't this within the past month? I have the most past. Okay. And then, okay. So what the would your commission be? Cause I don't see any commissions that are coming in.

• 17:23Speaker 02

  It would come in as like a regular, whatever the payroll looks like.

• 17:27Caleb Hammer?

  Yeah.

• 17:28Speaker 02

  It comes, it comes in like that. It's once a month.

• 17:31Caleb Hammer?

  Uh huh.

• 17:31Speaker 02

  The time varies. It just depends when my manager reports it.

• 17:34Caleb Hammer?

  Normally?

• 17:35Speaker 02

  Uh, maybe in the range of five to six hundred or like three to six hundred dollars. Depends on the month.

• 17:42Caleb Hammer?

  I have miscellaneous deposit two hundred forty.

• 17:45Speaker 02

  Oh, I don't know what that is off the top of my head.

• 17:48Caleb Hammer?

  Nope. It was included in regular payroll. He all, he added up together. Your payroll and commission was two thousand seven hundred thirty two. You're talking about this two hundred fifty dollars less than you said comes in on low end.

• 17:56Speaker 02

  Maybe that's just a bad month.

• 17:58Caleb Hammer?

  Bad month. What do you mean? So when you gave me your numbers, you're just calculating your commission as well?

• 18:03Speaker 02

  I mean, yeah, I was thinking of my hourly plus.

• 18:07Caleb Hammer?

  Thirty two came in.

• 18:08Speaker 02

  Okay.

• 18:08Caleb Hammer?

  Again, we're simulating what it'd be like to be a combined household. Four hundred thirty came in through your child support. So boom, we're basically like three thousand one hundred ish, you know, we're around there. You, two thousand six hundred fifty one came in. A little higher than you thought. Gotcha. By the way, your commission was a hundred sixty eight dollars. Not really moving the needle. But either way, our entire payroll.

• 18:31Caleb Hammer?

  Two thousand six hundred fifty one, seventy six from you. Gosh, this is gonna be one of those episodes where it's like.

• 18:39Caleb Hammer?

  A more mature lady is taking care of the deadbeat husband. But then again, what are we gonna do when we find out what's under your situation? Is that actually gonna be true? Let's see. You just present as more mature. Okay. So in the simulated household, five thousand eight hundred fourteen dollars fifty nine cents came in. Now in the simulated household, what, what went out? What do you think went out? You guys are moving together. So you probably have had at least had a conversation around each other's finances. Now that you'd have to be fully integrated at this point. In fact, I would recommend against do the way you would have a general idea. So in the combined household, how much was spent? In the last month?

• 19:12Speaker 02

  I I break even just about on my personal spending.

• 19:17Caleb Hammer?

  Household number.

• 19:19Speaker 02

  Oh.

• 19:20Caleb Hammer?

  Five thousand eight hundred fourteen dollars fifty nine cents came in. What went out?

• 19:25Speaker 02

  Well, you're negative often. So.

• 19:28Caleb Hammer?

  You're okay with this?

• 19:29Speaker 02

  Five thousand. What'd you say? Five thousand? How much?

• 19:31Caleb Hammer?

  Eight hundred fourteen fifty nine.

• 19:33Speaker 02

  I'm gonna go a little over six thousand.

• 19:37Caleb Hammer?

  And you want to attach yourself to that?

• 19:40Speaker 02

  I mean, that's why we're here, right? So.

• 19:41Caleb Hammer?

  That's why we're here. Okay.

• 19:42Speaker 02

  It was. Gotta figure this out.

• 19:45Caleb Hammer?

  Doesn't make sense. I'm asking you're okay with attaching yourself to that? And you said that's why we're here? That doesn't make any sense.

• 19:49Speaker 02

  I know.

• 19:50Caleb Hammer?

  You're okay with attaching yourself to that?

• 19:51Speaker 02

  No, not necessarily.

• 19:53Caleb Hammer?

  Can I ask a question that might come across insulting? I'm going to anyway, because we already have permission, but.

• 20:01Caleb Hammer?

  Are you desperate?

• 20:02Speaker 02

  No, no.

• 20:03Caleb Hammer?

  Are you just trying to close the the marriage before?

• 20:06Speaker 02

  No.

• 20:07Caleb Hammer?

  Ancientness hits?

• 20:08Speaker 02

  N- no, no.

• 20:11Caleb Hammer?

  Are we sure?

• 20:12Speaker 02

  I think so.

• 20:13Caleb Hammer?

  Not a bad looking dude. But he's.

• 20:16Speaker 02

  I thought so.

• 20:17Caleb Hammer?

  He's a little.

• 20:20Speaker 02

  I mean.

• 20:21Speaker 01

  Well, I mean, no, no. Caleb, I mean, that's not fair.

• 20:25Caleb Hammer?

  Well.

• 20:28Speaker 01

  That's not fair.

• 20:29Caleb Hammer?

  So she says a little over six thousand. So what would you say? What's not fair? You would something. What are you talking about? This is numbers. Fair? I don't give a about fair. I'm giving you the reality.

• 20:37Speaker 01

  Right.

• 20:37Caleb Hammer?

  Go ahead.

• 20:37Speaker 01

  I mean, I think.

• 20:38Caleb Hammer?

  Household spend. William?

• 20:41Speaker 01

  I don't. I mean, I don't know. I mean, my bank account's negative right now.

• 20:46Caleb Hammer?

  Cool. That's not a number.

• 20:47Speaker 01

  Um.

• 20:48Caleb Hammer?

  Also, good catch.

• 20:50Speaker 01

  Yeah.

• 20:50Caleb Hammer?

  Well done. Really found yourself a winner.

• 20:52Speaker 01

  Um, so, yeah. It's hard to say.

• 20:54Caleb Hammer?

  Yeah, yeah. What would you? I know it's hard to say. Give me a best guess on what you know, you little tit.

• 21:00Speaker 01

  Just. I don't know.

• 21:02Caleb Hammer?

  Is every conversation impossible with this guy? What would you say? Give me a number. She said a little over six. I like I gave I let her off the hook, not even giving an exact number. What would you say? Round it?

• 21:11Speaker 01

  I would say four thousand, forty five hundred.

• 21:15Caleb Hammer?

  So you think under? Are you actually stupid? Are you actually a stupid individual? Are you actually a dumb?

• 21:22Speaker 01

  I I don't think I'm understanding what what you're.

• 21:25Caleb Hammer?

  You don't understand. I am saying your guys' combined income is that number. Your combined expenses would be what?

• 21:31Speaker 01

  Oh, okay.

• 21:32Caleb Hammer?

  Based on your knowledge of your. We're simulating what you guys would be like together.

• 21:37Speaker 01

  Okay, okay.

• 21:38Speaker 02

  So I-

• 21:39Caleb Hammer?

  So what number?

• 21:40Speaker 01

  How much would you say?

• 21:41Caleb Hammer?

  She already said over 6,000, you are s- oh, he's a moron! He's actually stupid! I have the dumbest person I've ever talked to! Oh my f- he's actually, he's legitimately stupid!

• 21:52Speaker 01

  I didn't understand when she said 6 grand. How, how is your 6 grand?

• 21:57Speaker 02

  Because-

• 21:58Caleb Hammer?

  How is her s-

• 21:59Speaker 02

  My point-

• 22:01Caleb Hammer?

  Because he's stupid! He's actually a- Thomas! Oh my god!

• 22:07Speaker 01

  How is yours expenses 6 grand?

• 22:09Speaker 02

  So, because-

• 22:10Caleb Hammer?

  Yes, please try to explain to him! I- explain how this is working, cuz he can't figure it out.

• 22:15Speaker 02

  Okay, so, my portion of the 5,800, I break even, right? So, your remaining portion of the 58, you're already over your portion. So it's gotta be more than 58, cuz your account is negative. So that's where I was getting-

• 22:32Speaker 01

  Oh.

• 22:33Speaker 02

  Six, you know, 6,100, maybe if you really wanna put a number to it. Does that make sense, now?

• 22:38Speaker 01

  Yeah.

• 22:39Speaker 02

  Okay.

• 22:39Speaker 01

  I mean-

• 22:40Speaker 02

  I think we got it.

• 22:41Speaker 01

  I hope. I mean, I get like 2,400 a month, Caleb, right now.

• 22:46Caleb Hammer?

  Uh huh. What's the combined household expenses?

• 22:50Speaker 01

  More than that.

• 22:52Caleb Hammer?

  What's the combined household expenses? Try to give me a number.

• 22:55Speaker 01

  Yeah, yours plus mine. Okay, yeah. It would be more.

• 22:59Caleb Hammer?

  Please translate this to him. Please get him to make an answer.

• 23:02Speaker 02

  So this, this is combined, to what we make together.

• 23:06Speaker 01

  Okay.

• 23:06Speaker 02

  Okay babe?

• 23:08Speaker 02

  I, I break even. You have to make up the difference between fif- uh, between whatever my share is, the 27, I think you said Caleb? And 58?

• 23:17Speaker 01

  Okay.

• 23:18Speaker 02

  You're clearly over budget. So, you would be over 5,800, is the combined household income.

• 23:26Caleb Hammer?

  This is actually happening right now, in my life, in this moment.

• 23:30Speaker 01

  Okay, I gotcha, I'm up to speed.

• 23:32Caleb Hammer?

  Give me a number.

• 23:35Speaker 02

  Just give him a number over fifty-eight.

• 23:37Caleb Hammer?

  Just please.

• 23:39Speaker 01

  It's six grand.

• 23:40Caleb Hammer?

  Okay.

• 23:43Caleb Hammer?

  Yeah. It was eight thousand six hundred ninety dollars.

• 23:46Speaker 02

  Eight thousand?

• 23:47Caleb Hammer?

  That's what you're attaching yourself to. Oh my.

• 23:49Speaker 01

  I'm not a math scientist.

• 23:50Caleb Hammer?

  Genuine question. You couldn't process what we were doing here.

• 23:55Speaker 01

  Yeah, no.

• 23:56Caleb Hammer?

  Like, are you able to process situations that are happening in real time? In other instances?

• 24:02Speaker 01

  Yeah.

• 24:05Caleb Hammer?

  Okay. Okay, let's.

• 24:09Speaker 02

  Ground yourself.

• 24:10Caleb Hammer?

  I just want to proceed. So, do we recognize that, again, of the five thousand eight hundred that came in through the household, like, eight thousand five hundred is spent, and that is?

• 24:20Speaker 02

  Yeah, that's a lot. For sure. I don't, I don't know how it gets to eight thousand, but I'm assuming it's more on his side.

• 24:29Caleb Hammer?

  You are, you are attaching yourself. I'm catching this early. This is like, we are getting the first signs of cancer.

• 24:36Speaker 02

  Yeah.

• 24:37Caleb Hammer?

  Okay? We are catching it early, so you can decide to fucking cut off the tumor.

• 24:44Speaker 02

  Yeah. I mean, but the goal, right, is to get rid of the debt, and then we won't be eight thousand dollars every month.

• 24:52Caleb Hammer?

  That would be the goal. You think he is capable of that? You think he is capable of that? In what world, in your knowledge of him, gives you that confidence? Because I would need some of that right now, please.

• 25:03Speaker 02

  Yeah, I mean, like I said, we're, he's gonna be, he's getting his raise, he's gonna be able to work overtime.

• 25:09Caleb Hammer?

  This is not a guy that makes more money and does better because of that. He makes, if he doubles his income, he triples his expenses.

• 25:17Speaker 02

  It's possible, but I guess, hopefully that won't happen. I, I'm hoping.

• 25:23Speaker 01

  I've had to borrow money from her and my family. I mean, I don't like to do that, so I'm definitely not gonna.

• 25:30Caleb Hammer?

  I've had to do this. So that means I'm not going to.

• 25:34Speaker 01

  Yeah.

• 25:35Caleb Hammer?

  This is watching your brain work is a show?

• 25:41Caleb Hammer?

  Wow, this is a show, okay.

• 25:45Caleb Hammer?

  Even my computer's giving up on you. Could I have my charger from my backpack out there? Oh my goodness. I'm gonna go through.

• 25:53Speaker 01

  Just breathe, that'd be okay.

• 25:57Caleb Hammer?

  I think your mother didn't breathe enough and had a lack of oxygen when you were in the womb dude. It could be. I'm gonna go three, two, one, go. And on go, you guys are at the exact same time, which means at the same time together.

• 26:15Caleb Hammer?

  Gonna give me a number from zero to 10, 10 being what you guys think the household financial score would be like. 10 being the absolute best, 0 being the absolute worst.

• 26:27Caleb Hammer?

  There's only

• 26:30Caleb Hammer?

  0, 1, 2, 3, 4, 5, 6, 7, 8, 9, 10 that you can say. Yeah. Please don't mess this up.

• 26:39Caleb Hammer?

  You understand? 0 being the worst, 10 being the best, you guys combine what you think. It's gonna be the, and on go, you guys are gonna do it together, okay? So here we go. 3, 2, 1, go. 3, 1. Okay, he thinks it's better.

• 26:54Caleb Hammer?

  He's an optimist that doesn't have anything to do with reality, okay? But he's, and you say 1 as the realist of his relationship. Well, if you want your Hammer Financial Score, it is free. Link in the description below. See where you stand in the world of finances. It's fun. And, uh, you know, check out all the other things we got. We got the budget, budgeting app. You guys do not leave here until you download the budgeting app. Help him, set up his account, hold his hands, whatever you need to do. Create your individual budgets right now. So create your own separate accounts. All you got the automatic connections to your account, so make sure you utilize and go through all the education and community that's in there.

• 27:34Caleb Hammer?

  We want to make it the best budgeting app it could ever possibly be, and you guys get premium for free forever. You guys get two weeks for free. Um, so please, please take advantage of this. It literally is the easiest thing you could ever do with the automatic connections. Don't be a dumb. Learn how to budget. You get our budgeting class for free as well. So go through that together. Take the quizzes, all the stuff. Stop being dumb. If you guys want to come on the show, come down here to Austin, Texas. I'd be happy to have you. Go to CalebHammer.com/apply. Let us go into these numbers.

• 28:09Caleb Hammer?

  This is gonna be a long one. I have a feeling because this is a lot of documentation. Capital One Venture One, who is this?

• 28:17Speaker 01

  Uh, that's me.

• 28:19Caleb Hammer?

  Okay. Well, you're supposed to be the good one, yet I see $2,643.64 owed on here with a credit limit of 3,000. Not good with a minimum monthly payment of $26. Before you tell me about this card, I do have to know how aware of her financial situation are you? Alright guys, this is super exciting for this financial audit channel. I got big news for you today. For the rest of this month, if you join our YouTube membership at the elite level or upgrade from pro to elite, I'm going to pay for it. I am gonna directly reimburse you for the $5 for upgrading or $10 if you join now.

• 29:00Caleb Hammer?

  It's essentially like a free trial, except since it doesn't offer it, I'm gonna pay for it for you. All you have to do is follow the instructions that I'm gonna post in the membership area. Send us that proof and I'm gonna send you the money and boom, you joined Hammer Elite for free. Yes! Seriously guys, there's thousands of hours of extra content there. You got two exclusive member audits a month. The ability to call into our new live show, which is also two a month. You just broke Lindsay's heart.

• 29:26Speaker 01

  No, that's not true. Honestly, Ashley.

• 29:28Caleb Hammer?

  That's Lindsay for you. Weekly live streams. So Caleb, what's your social security number? I'm doing it. 38.

• 29:44Caleb Hammer?

  And every single financial audit post show, plus member weekly videos. It's crazy how much we have going on. Well, I got so drunk, I kissed a grandma in Spain with that, with only partial consent and then I ran off. Stop! Plus, it really helps support this channel, so let me pay for it for a month. So you have the opportunity to check it out. Make sure you click the link in the description below or the pinned comment below and I'll see you guys there. And again, make sure it's the middle tier Hammer Elite so that I pay for it. This offer expires at the end of the month.

• 30:14Speaker 01

  Um, not that aware.

• 30:16Caleb Hammer?

  Hold the mic close to your face.

• 30:17Speaker 01

  Yeah.

• 30:17Caleb Hammer?

  And why are you not that aware of a person you are moving into a place with and getting a lease with? And you're staging the relationship. Do I care if you guys know about each other's finances? Not necessarily a hundred percent, but you guys are moving in together and connecting each other by the hip via a lease. You would kinda need to know at that point. That's where you have that important conversation. So, why do you know nothing about her personal financial situation?

• 30:40Speaker 01

  Um, I feel like I can pay the rent if I had to. So.

• 30:46Caleb Hammer?

  What will your new rent be? You can't pay your own rent. She pays for your rent.

• 30:49Speaker 01

  Yeah.

• 30:49Caleb Hammer?

  You're actually stupid.

• 30:52Speaker 01

  Yeah, no, I think, I mean, I'm gonna be getting more money, so. And, yeah.

• 30:59Caleb Hammer?

  Was this, when's the raise official?

• 31:01Speaker 01

  Like last week.

• 31:03Caleb Hammer?

  Okay, making more money, but your expenses are gonna go up. That is what happens with people like you. I've seen it a thousand times on the show. Don't try to say it's not gonna be you.

• 31:10Speaker 01

  It's not.

• 31:10Caleb Hammer?

  We filmed for a week for two and a half years. Shut the up. How aware of his financial situation are you?

• 31:17Speaker 02

  Um, I feel like I'm pretty aware.

• 31:20Speaker 01

  She's seen my credit report.

• 31:22Caleb Hammer?

  Do you just need like a mommy in your life? Like, why is a child literally getting with a more mature individual here? Like, what are we doing? How are, how'd you guys even, like? You do not seem to be even on the same plane of existence. How are you guys meshing? How do you mesh? How do you mesh?

• 31:40Speaker 02

  Well, I mean, one of the things that was really important to me when, um, you know, we met, is I wanted to make sure we had the same, like, five-year goal, or not same, but maybe similar goals.

• 31:53Caleb Hammer?

  But are you sure he understood what the term five years meant?

• 31:56Speaker 02

  I hope so. Um, but yeah, I, we just, I think we both want within the next five years to, you know, be married with a house, hopefully. So, that's where.

• 32:09Speaker 01

  Get out of renting, get a mortgage, settle down.

• 32:12Caleb Hammer?

  Yeah.

• 32:12Speaker 02

  Yeah.

• 32:15Speaker 02

  So I think the goal here eventually will be marriage, right?

• 32:18Caleb Hammer?

  Yes, but how are you guys connected? You seem so different in terms that you know you're gonna be carrying his ass and he's gonna be the anchor in the relationship forever.

• 32:26Speaker 02

  I don't agree with that.

• 32:27Speaker 01

  I don't think that.

• 32:29Caleb Hammer?

  His activity when he gets home for work for fun is taking a baseball bat in the corner of a room and spinning. That's what he does.

• 32:36Speaker 01

  No, no, I don't think so. Um, I mean, I work hard and yeah, I have a good job, so.

• 32:45Caleb Hammer?

  But that's not it. That's not the end of the equation and that's what I'm trying to make clear here. Doesn't matter how much you make.

• 32:50Speaker 01

  Right.

• 32:50Caleb Hammer?

  If you're stupid with your money making five thousand dollars, you're gonna be stupid with your money if you make a hundred thousand dollars a month.

• 32:55Speaker 01

  Right.

• 32:56Speaker 02

  Yeah, so I mean, things need to change, I think, and uh.

• 33:01Caleb Hammer?

  Oh, rev- revolutionary insight, okay.

• 33:04Speaker 02

  Yeah.

• 33:07Caleb Hammer?

  Yeah, this is a relationship that's gonna be very successful in the history of the show. So again, you're only a few hundred away from the max on this card and you're the financially responsible one. What the is going on with this card?

• 33:21Speaker 02

  So that one has zero percent interest.

• 33:23Caleb Hammer?

  Okay, you still owe a lot of money to a bank.

• 33:25Speaker 02

  I do, um, and it's still at zero percent interest for a few more months.

• 33:30Caleb Hammer?

  Few more months, how long does it take to pay off only doing the minimum monthly payment, which is all you're doing?

• 33:35Speaker 02

  Once interest starts? Or right now?

• 33:38Caleb Hammer?

  In general.

• 33:39Speaker 02

  Oh, in general, um, it'll probably be, I don't know, maybe five years.

• 33:44Caleb Hammer?

  Okay, sixteen years, you'll be in your fifties.

• 33:47Speaker 02

  Okay.

• 33:49Caleb Hammer?

  You'll be ten years from being able to withdraw money from a tax advantage retirement account.

• 33:54Speaker 02

  Mm-hmm.

• 33:54Caleb Hammer?

  And you will have just paid off one card.

• 33:57Speaker 02

  Yeah. That's a problem.

• 33:59Caleb Hammer?

  And you said for a few more months it's interest free? So that's not even exciting. If we're talking a few years, that would be a conversation where we could put this on the backboard. What are you laughing about?

• 34:07Speaker 01

  Oh, no, I, uh, no, I shouldn't, I shouldn't be laughing, cuz mine's worse.

• 34:15Caleb Hammer?

  Is this like your one moment in the entire history of this relationship so far where you feel a little bit of superiority? Because you know she's also bad, even though you didn't know what her financial situation was before? No, I found out she has loans this morning and that made me- This morning? That made- Wait, how? How do you guys talk about this? Made me feel bad. How do you guys talk about this? It made you feel bad, okay.

• 34:36Speaker 02

  I mean, well, I think, okay, this, to, to be fair to him, when I applied for the show, I was the one pulling all the documents, so I got to see everything and he didn't. And so this morning-

• 34:50Caleb Hammer?

  So you only learned about his finances recently, insanely recently, but you were gonna get on a lease together?

• 34:56Speaker 02

  Yeah.

• 34:57Caleb Hammer?

  Yeah.

• 34:58Speaker 02

  I mean-

• 34:58Caleb Hammer?

  It makes sense, right?

• 35:00Speaker 02

  It, it does, cuz, well, okay, so let's pretend our new rent is-

• 35:04Caleb Hammer?

  She enables him. She enables him.

• 35:07Speaker 02

  I probably do, but, um, the new rent will be like eighteen hundred dollars and so split between the two of us, we'll say nine hundred each. We're both saving money, I mean, that's gonna be, what, seven hundred? Seven hundred dollars that he won't be paying towards rent, that he can do whatever. And then for me, it'll be like four or five hundred dollars. No, six hundred dollars.

• 35:31Caleb Hammer?

  You guys not, you do not live together now?

• 35:33Speaker 02

  No, not currently.

• 35:34Caleb Hammer?

  But you guys are going to move in together.

• 35:36Speaker 02

  Mm-hmm.

• 35:37Caleb Hammer?

  Is it gonna blow your mind when he gets dropped off from work? It's in a short bus. Is that going to just change your entire world? When he thinks he's going to work on a train, but he's playing with a train in a classroom somewhere?

• 35:55Speaker 02

  I, I don't, I don't think that would happen. I think-

• 35:59Caleb Hammer?

  At his job, they call it the choo-choo.

• 36:02Speaker 02

  So that's what I asked, oh gosh. When he comes home from work, or you know, whether it's at my house or his house, I ask him, how many choochus did you fix today?

• 36:14Speaker 02

  We call

• 36:15Caleb Hammer?

  And he probably answers genuinely.

• 36:18Speaker 02

  Yeah, last night it was five, four choo choos.

• 36:22Caleb Hammer?

  Yeah, four or five.

• 36:25Caleb Hammer?

  Yeah.

• 36:26Speaker 02

  Yeah.

• 36:26Caleb Hammer?

  Girl, you have no idea what you are getting into.

• 36:29Speaker 02

  Maybe, yeah.

• 36:29Caleb Hammer?

  You're already, I, I don't think you're a deadbeat for what it's worth, but you dealt with a deadbeat, but now you want this, I, I'm being brutal to you.

• 36:36Speaker 02

  This is an upgrade.

• 36:39Caleb Hammer?

  Yeah, you're, you're being mean.

• 36:41Speaker 02

  Sorry.

• 36:42Caleb Hammer?

  Yes. It's an, you are going to sign a lease with a man, agree to split 50% of the rent.

• 36:51Speaker 02

  Yeah.

• 36:51Caleb Hammer?

  He is gonna drown in his cereal one morning and you are gonna be

• 36:56Speaker 02

  But we'll be saving, we'll be

• 36:57Caleb Hammer?

  This huge rent.

• 36:57Speaker 02

  But we'll be saving money individually on our shares of what we pay

• 37:02Caleb Hammer?

  I don't think you understand what I just said.

• 37:07Speaker 02

  He's gonna drown in his cereal.

• 37:08Caleb Hammer?

  You think someone will die?

• 37:12Caleb Hammer?

  Okay, well, this

• 37:16Caleb Hammer?

  interest free period ends when? It doesn't say.

• 37:21Speaker 02

  I think it's March next month.

• 37:23Caleb Hammer?

  Next fucking month.

• 37:25Speaker 02

  Yeah.

• 37:26Caleb Hammer?

  Kill me now. What is it gonna be like 30% at that point?

• 37:29Speaker 02

  Um.

• 37:29Caleb Hammer?

  Probably.

• 37:31Speaker 02

  I think it's like 28, 29.

• 37:33Caleb Hammer?

  Okay, who's discover it?

• 37:35Speaker 02

  That's mine also.

• 37:36Caleb Hammer?

  Well, how'd you get into that debt in the first place and the last one?

• 37:39Speaker 02

  Um, on the venture card?

• 37:41Caleb Hammer?

  Yeah.

• 37:42Speaker 02

  Oh gosh, I don't remember. Um, I know I went on a cruise in October.

• 37:48Caleb Hammer?

  Okay.

• 37:49Speaker 02

  I went on a cruise in October.

• 37:50Caleb Hammer?

  So last year, last October.

• 37:52Speaker 02

  I know.

• 37:53Caleb Hammer?

  Right after you guys got together.

• 37:54Speaker 02

  The total amount of that 2,600, that's why I'm trying to figure out like the cruise was like maybe 1,200 and then I'm trying to figure out where the other 1,400 came from. And I don't know. Without looking at my statements.

• 38:10Caleb Hammer?

  How are you gonna be the one to hold this house together if you don't even know where 1,400 dollars of your debt came from on one card?

• 38:17Speaker 02

  Yeah.

• 38:20Speaker 02

  I mean, I just, when I want to pay for something, I just, I look at the card and I'm like, well, this one I know has the lowest, has the lowest balance, so I'll spend this. This one has travel rewards. So I think that's why I did the cruise on that one.

• 38:36Caleb Hammer?

  And now you're gonna pay 30% interest on it?

• 38:38Speaker 02

  And...

• 38:39Caleb Hammer?

  In a month? Which is gonna offset that entire reward you got?

• 38:43Speaker 02

  I...

• 38:43Caleb Hammer?

  In a month's time, probably?

• 38:45Speaker 02

  I already used the travel rewards, like $200 or $300. I already used it towards the balance that was on there, so... But I got the extra point, the rewards, the travel rewards for using that card.

• 39:00Caleb Hammer?

  Dude, you're gonna pay interest of 66 dollars a month. That's gonna completely negate those free rewards. Immediately, and I know you don't pay off that credit card. I mean, look at the progress you've made. It's been no progress. Okay, so this Discover it is yours?

• 39:15Speaker 02

  Mm-hmm.

• 39:15Caleb Hammer?

  Do you pay this off every month?

• 39:17Speaker 02

  Uh, no, obviously.

• 39:18Caleb Hammer?

  Okay, well, it looked like you paid it off last month, but then you purchased money on it.

• 39:22Speaker 02

  Oh, I did.

• 39:23Caleb Hammer?

  Bringing it to the 40166. So you actually paid off a card, made success, and then you took it all the way up, so what the... Why?

• 39:29Speaker 01

  Is that the cat box? The, the robot?

• 39:32Speaker 02

  The $300 litter box for my cat? Um, no, that's not that.

• 39:39Caleb Hammer?

  As someone who's found a second home here in Texas, at first, I didn't think I could pull off a classic pair of boots. But after getting a pair, I can guarantee ya, a high-quality pair on my feet makes me feel like a million bucks. So, if you not only want to feel the same, but want a pair of boots that won't let you down no matter what, meet the sponsor of today's video, T-Covas. Born and crafted right here in Texas, T-Covas are designed for everyone, from seasoned ranchers to first-time boot buyers like myself. They make it easy for anyone to find their perfect boots, so you can get a pair that truly fits your lifestyle and your style. And that's why Esquire loves them and says, "There's a reason we keep coming back to T-Covas."

• 40:22Caleb Hammer?

  And that's what sets T-Covas apart, their craftsmanship. Every pair is handcrafted through over 200 meticulous steps. Ensuring comfort right out of the box. Whether it's for a long workday or a night on the town, you can't have a bad time in boots that are built to last and impress. So wondering what Tecovas are perfect for you? With their best in the west guarantee, you have over thirty days of free returns and exchanges to find your perfect fit, risk free. So right now you can get 10% off at tecovas.com/hammer when you sign up for emails and texts. That's 10% off at T E C O V A S dot com slash hammer. Tecovas dot com slash hammer. See site for details.

• 41:06Caleb Hammer?

  Tecovas, point your toes west.

• 41:08Speaker 02

  That was just like last week.

• 41:10Caleb Hammer?

  You paid off a credit card and now you say you didn't. So now we racked up $401.66. Why, after making actual progress, would we go into a hole again?

• 41:22Speaker 02

  Well, because I had the money available on that card again. I paid it off. So I'm like, hey, $0 on this one.

• 41:29Caleb Hammer?

  Oh, no, she's just as bad. She just presents.

• 41:31Speaker 02

  Yeah.

• 41:31Caleb Hammer?

  She just presents better. Oh, for fuck's sake. Oh, so there is no hope here. Okay.

• 41:39Speaker 02

  Yeah.

• 41:39Caleb Hammer?

  What are you giggling about? I think you just giggled through this world.

• 41:42Speaker 01

  Yeah, this is funny.

• 41:44Caleb Hammer?

  What? And just your financial misery is funny?

• 41:48Speaker 01

  Yeah, it is. You gotta laugh at it sometimes.

• 41:53Speaker 02

  You gotta find the humor in everything.

• 41:55Speaker 01

  I mean, your glass is half full.

• 41:58Caleb Hammer?

  What class would you be talking about? You guys owe debt. Where's the emptiness? I don't know what the fuck you're talking about.

• 42:03Speaker 02

  The emptiness is that, but that one's got like a $13,000 limit. And it's only 400.

• 42:10Caleb Hammer?

  You owe a debt, though, at 25.49% interest.

• 42:13Speaker 02

  But this glass is like...

• 42:16Caleb Hammer?

  Wait, hold on, hold on, shut the fuck up. You came on here to figure out if you guys should move in together, right?

• 42:21Speaker 02

  Yes.

• 42:21Caleb Hammer?

  Why are you sitting here and fighting about that? You know that would be wrong.

• 42:24Speaker 02

  Well, you're yelling at me.

• 42:25Caleb Hammer?

  Stop being a fucking moron. Yes, I know. This is, uh, people are confused why people get... They're getting their first pushback, real pushback in their lives. It's a natural defense mechanism, but don't be a dumbass.

• 42:37Speaker 02

  Yeah.

• 42:38Caleb Hammer?

  We can't have two in the relationship or you guys are gonna crash and burn.

• 42:42Speaker 02

  True. Um, I mean, we'll figure it out, right?

• 42:46Caleb Hammer?

  That's not how this works. He hasn't paid his rent and you had to pay for his rent. Us figuring out, okay, listen, I don't even know how much debt. I don't even know how much debt, so let's find out. The total household debt, yeah, we're looking at ninety-eight thousand, three and fifty-nine dollars and fifty-six cents. So fuck you, figure it out, that's what your figure out led to. So I don't know what the fuck you're talking about. And neither do you, so stop being an immature little brat.

• 43:06Speaker 02

  Yeah.

• 43:07Caleb Hammer?

  It's McDonald's, it's Amazon, it's Amazon. It's bullshit.

• 43:13Speaker 02

  Yeah, I mean, I don't know what I spent on Amazon.

• 43:17Caleb Hammer?

  Fine, open up your Amazon app and I'll tell you.

• 43:19Speaker 02

  Oh, no. Okay, um, let's see.

• 43:24Speaker 01

  What'd you buy?

• 43:25Caleb Hammer?

  She doesn't know, you dumb, that's why she's opening it. For fuck's sake, how have you made it this far in life?

• 43:32Speaker 01

  I don't know, man.

• 43:36Speaker 02

  So, I got a new phone case for my new phone, okay.

• 43:40Speaker 01

  It's a nice case.

• 43:41Speaker 02

  Yeah.

• 43:42Caleb Hammer?

  Start it. Oh, this is Android. I don't know how to start a screen recording.

• 43:46Speaker 02

  They're superior.

• 43:46Caleb Hammer?

  She got a phone case, except you can't start screen recordings easily.

• 43:52Caleb Hammer?

  New phone case, cat food, a little mop thing, because probably didn't have any other way to clean a floor, yet.

• 43:57Speaker 02

  It's the spinny one, I wanted the spinny one.

• 44:00Caleb Hammer?

  Did you not have a mop or any way to clean the floor?

• 44:01Speaker 02

  I did, but I didn't like it.

• 44:02Caleb Hammer?

  Fuck you, you have debt, I don't care, I don't give a shit, you have debt. You also got some chicken flavored pet food, a thumbprint, fingerprint, ink pad stamp for notary. You're a notary, you're notarizing, what are you notarizing?

• 44:14Speaker 02

  Yeah, I had to get my notary license for work. And so...

• 44:17Caleb Hammer?

  Why'd you need this?

• 44:20Speaker 02

  Oh, because on the book, it asks for the person, whoever's signing, like if I was notarizing a document for you, you have to put your thumbprint.

• 44:26Caleb Hammer?

  But you had to get it for work, do you actually do notarizing now?

• 44:28Speaker 02

  Yes.

• 44:29Caleb Hammer?

  Okay. Work wouldn't cover that?

• 44:31Speaker 02

  They paid for my license, they paid for every, I got reimbursed for it.

• 44:36Caleb Hammer?

  Dog poop picker rappers, that's good. Ethernet cables, so many ethernet cables.

• 44:41Speaker 02

  So that was for my office, well, because I bought the wrong one, and then I couldn't...

• 44:45Caleb Hammer?

  You still got two more after you returned the wrong one.

• 44:49Speaker 02

  Well, it was the ethernet cable.

• 44:50Caleb Hammer?

  Dog calendars.

• 44:51Speaker 02

  It was for my office at work.

• 44:52Caleb Hammer?

  This is flea and tick prevention. That's good.

• 44:54Speaker 02

  Yeah. I need to take care of my dog.

• 44:57Caleb Hammer?

  Yes, I'm, which is why I didn't push back against it.

• 44:59Speaker 01

  He's 10 years old.

• 45:01Speaker 02

  He's nine. Don't be mean.

• 45:03Speaker 01

  I'm not. He's, he's very old and sick.

• 45:08Speaker 02

  Don't call him, he calls him Skeletor. He had pancreatitis. He lost weight. So now he's a skinny old man.

• 45:16Speaker 01

  A lot of money on pets before and.

• 45:19Speaker 02

  Oh, that's actually probably part of the balance on one of these cards.

• 45:24Speaker 01

  Like thousands and thousands of dollars.

• 45:26Caleb Hammer?

  I have two. Do you have pet insurance?

• 45:28Speaker 02

  No.

• 45:28Caleb Hammer?

  Want to be able to get it for him now?

• 45:31Caleb Hammer?

  Not a credit card person. This is beyond clear. Again, just like every guest on the show and many people in the audience, use the Fizz card. It's a debit card, but it actually builds credit and you get the rewards. It just connects to your checking account. You can't spend more than you have in your checking account. You need it. You need the extra railings in life. Okay. Who has a Capital One Savior?

• 45:51Speaker 02

  That's mine.

• 45:52Caleb Hammer?

  Okay, it's all you so far, which again, you were supposed to be the responsible and I was at least picking up the beginning.

• 45:58Speaker 02

  I just have more credit cards than you guys.

• 46:01Caleb Hammer?

  Those are good.

• 46:02Speaker 02

  Yeah.

• 46:03Caleb Hammer?

  Seven hundred twenty seven dollars and seventy seven cents with a minimum payment of twenty five dollars. No purchases, only made the minimum, takes four years to pay off. Interest is accruing. You're only paying the minimum, but we got all that on Amazon and went out to eat as well. Our priorities are, you say you want to get a house? What house are you getting? You can't afford to get a house. You can't afford to do anything. Put everything on credit cards that are getting maxed out. What are you talking about? House? What house would be in your future? Your credit score can't be great. What's your credit score?

• 46:33Speaker 02

  Mine is like six fifty, six sixty.

• 46:36Caleb Hammer?

  So yeah, well, how else are you getting? What kind of good mortgage are you getting? You're going to get good interest rate, which is going to balloon your minimum payment. Kind of down payment are you going to get? What's in your savings right now?

• 46:44Speaker 02

  Hmm, four thousand?

• 46:46Caleb Hammer?

  Okay, so what house are you guys getting? Are you gonna FHA would make your minimum payment even more substantial? So all of a sudden, your minimum payment is gonna be like fifty percent of your take home?

• 46:54Speaker 02

  Well, the house won't be for another few years. We'll have time to save up money.

• 46:57Caleb Hammer?

  Guess what a few years has gotten you? A few years has gotten you into ninety, almost a hundred thousand dollars in bad debt. What's a few more years of your guys' pattern, spending eight thousand five hundred dollars as a household when five thousand four hundred came in? Few years? Yeah, a few years, you guys are a hundred seventy-five thousand dollars in bad debt. So I don't know what you're talking about, a few years. What few years are you talking about?

• 47:16Speaker 02

  I mean, five-year plan. So, within the next five years.

• 47:19Caleb Hammer?

  Yeah, what's your plan? Cause again, your plan was paying for him for his rent, and now he's breaking a lease so you guys can get into a place where you don't even know. He doesn't even know your financial situation. You didn't even know his financial situation? Till you applied for the show, yet you were deciding to get on together.

• 47:33Speaker 02

  Yeah, I mean, but it's gonna be cheaper in the long run when moving together.

• 47:40Caleb Hammer?

  You are just assuming it all works. That is how people end in a position, because they just assume everything's gonna work.

• 47:45Speaker 01

  Right. It'll work.

• 47:49Speaker 01

  Yeah, I think. It'll work out.

• 47:54Speaker 02

  It'll be cheaper.

• 47:55Caleb Hammer?

  I'm gonna preemptively get you guys three free therapy sessions with Sondar Mine. They're the people I use, but you guys should do a couples' therapy. Preemptively, when this inevitably blows up, because there's no way it doesn't. You had a late fee last year.

• 48:12Speaker 02

  On mine?

• 48:13Caleb Hammer?

  You're moving there with some money, getting it onto a lease for someone who has a late fee! Meaning sometimes she's late on her fucking bills!

• 48:20Speaker 01

  No, I haven't too.

• 48:22Caleb Hammer?

  That's a, you know what? You guys actually are perfect for each other.

• 48:26Speaker 01

  I, I am pretty sure I have too.

• 48:27Speaker 02

  I think that's the only late fee I've ever had.

• 48:30Caleb Hammer?

  If you have a late fee, you're

• 48:35Caleb Hammer?

  you're dumb with money, and it just happened, so I don't care.

• 48:40Speaker 02

  Okay, if you say so. I, I think-

• 48:42Caleb Hammer?

  What do you mean if I say so? It just happened!

• 48:44Speaker 02

  It's the only one I've ever had!

• 48:46Caleb Hammer?

  But it just happened. If the only one you ever had was a decade ago, I'd be like, okay, you learned your lesson. It just happened!

• 48:53Speaker 02

  Yeah.

• 48:53Caleb Hammer?

  So that means you're getting worse, if it's the only one you ever had and you just had it.

• 48:57Speaker 02

  It was only one, though.

• 48:59Caleb Hammer?

  And it just fucking happened!

• 49:02Speaker 02

  Yeah.

• 49:02Caleb Hammer?

  So that means you're getting worse!

• 49:05Speaker 02

  I think it'll be fine.

• 49:06Caleb Hammer?

  It'll be fine.

• 49:07Speaker 02

  It was a one time thing.

• 49:08Caleb Hammer?

  What a cope. What a cope. What a fucking cope.

• 49:12Speaker 02

  It's just a one time thing.

• 49:13Caleb Hammer?

  Who has the damn apple card?

• 49:15Speaker 02

  I don't have an apple, so.

• 49:17Caleb Hammer?

  Finally made it to Mr. William.

• 49:21Caleb Hammer?

  Yo, one thousand six hundred sixty one dollars and twenty two cents with a minimum monthly payment of two hundred fifty nine dollars. Yeah, no way you pay that. That's impossible. You have to be late. There has to be late or else, because it wouldn't be that high. Okay, well, you know, you're not purchasing. Good. Thank goodness. I don't think you can. You're probably maxed out. Interest charge, three hundred ninety one. Variable interest rate. Right now, we're at twenty six point four nine percent.

• 49:46Caleb Hammer?

  It has to be over. Right under minimum. Oh, you're past due two hundred five dollars. Yeah, yeah. So this is the person, again, you want to get on a lease with. He has passed due. Eight payments?

• 50:02Caleb Hammer?

  Yeah. Eight payments. That's who you want to split expenses with. How is this not getting through to either of you? You not understand that she has missed payment. You have eight. And you want to literally allow the other person to be on a lease with us that could our credit.

• 50:22Speaker 02

  I mean, we're gonna work on it.

• 50:24Caleb Hammer?

  We're going to work on all the cope from this woman. That is not funny.

• 50:30Speaker 02

  I know.

• 50:30Caleb Hammer?

  That is not funny. You guys are a disgusting mess. Financially, yes. Yeah, financially. That's all we're talking about. Yeah, I mean, I would pay it if I had the money. I know. You moved into a rent you couldn't afford. They. You chose. Like every day. You chose. I just ignore their call. Shut the. You chose to move into a rent that you cannot afford. I did. So this is your choice. It's not this because you don't have the money. You got into a rent you couldn't afford. You could have got a small studio.

• 50:59Caleb Hammer?

  So shut up. This isn't out of your control. This was you. You did this. You could have worked extra hours somewhere. If you couldn't work overtime at that other job, you'd go get a second job.

• 51:10Caleb Hammer?

  Yeah.

• 51:10Speaker 02

  There was a point you considered getting a job, but.

• 51:13Caleb Hammer?

  Well, maybe we should have because we're eight payments behind on this one. We couldn't pay rent and we had to do our. Honestly, relatively new girlfriend had to pay for our rent. Yeah. Not ideal.

• 51:23Speaker 02

  It was only a little bit. It wasn't the whole thing.

• 51:25Caleb Hammer?

  He still needed you and he says he's borrowed from family. He said that earlier.

• 51:28Speaker 02

  Yeah.

• 51:29Caleb Hammer?

  Yeah.

• 51:29Speaker 02

  He did say that.

• 51:39Caleb Hammer?

  Who has the quicksilver one? That's mine.

• 51:43Speaker 02

  I have a quicks. Oh, no, I mine. Never mind. Mine's a zero dollar balance, so.

• 51:48Caleb Hammer?

  Okay, well, he he owes $1,124.08 on this with a minimum monthly payment of $41. Okay. Oh, good. He's purchasing on a credit card that he can't pay off. That is accruing interest. That is over the balance limit. And you're getting a mortgage with him at some point? Someone who literally is over the credit limit on two cards? And what you the the you guys live in Fantasyland. You guys live in actual Fantasyland.

• 52:22Speaker 02

  Well, he needed the money at the time, right?

• 52:24Caleb Hammer?

  Yeah.

• 52:24Speaker 02

  So.

• 52:25Caleb Hammer?

  The money here?

• 52:26Speaker 02

  Well, yeah, he had to spend the money on the card because he needed the money. He had it available on the credit card.

• 52:31Caleb Hammer?

  She fully enables him. You are okay with this? Oh, you you guys. I mean. And you laugh about that? What do you mean? It's for Taco Bell Einstein Bros and going in a gas station and getting a drink or some dip.

• 52:40Speaker 02

  He needed to eat something.

• 52:42Caleb Hammer?

  Oh, my gosh, she really does. You, I swear, I could have swore at the beginning of this conversation, you were gonna be the same one. I don't know if I'm gonna make. That's not funny. That's not funny. You guys are not cute. You're not funny. You're a child and she actually supports it because she was desperate to get with someone. That is how I'm reading the situation. I refuse to accept something else unless. I don't think it's like that. There I can't see any other way. Why would she put up with it? Why would she enable this? This doesn't make sense. Maybe it's because she's also a child. She just presents as an adult.

• 53:18Speaker 02

  I mean, he had to buy food, so I don't know.

• 53:20Caleb Hammer?

  I mean, you have to eat to live.

• 53:39Caleb Hammer?

  What are you laughing at? I am trying to figure out a solution to your actual stupidity.

• 53:48Caleb Hammer?

  There's a cookbook right here, right here. You guys get it with the budgeting app. Fucking use it. Three hundred hours a month each could be spent on food and you'd be perfectly fine.

• 53:58Speaker 01

  Yeah, I need to go grocery shopping more cuz I just don't plan ahead and then I'm like, I have to eat or.

• 54:07Caleb Hammer?

  Meal prep.

• 54:08Speaker 01

  Meal prep.

• 54:09Caleb Hammer?

  That's what you could have done. I don't get this have to eat. You had to go to the Jack in the Box or Taco Bell.

• 54:14Speaker 01

  I mean, I work.

• 54:15Caleb Hammer?

  What do you mean?

• 54:15Speaker 01

  I work weird hours. I have to.

• 54:17Caleb Hammer?

  You can't pack lunch on weird hours?

• 54:19Speaker 01

  I, I can. I just, you know.

• 54:22Caleb Hammer?

  He can't pack lunch? You said he has to eat. You're enabling that dumb.

• 54:27Speaker 02

  Yeah, I don't, I don't live with him right now, so it's not like I can't.

• 54:30Caleb Hammer?

  She fully, she fully enables. Oh, you're just as bad. You're, it's official. You're just as bad. You're just as bad.

• 54:38Speaker 01

  I would say, I would say you cook more though.

• 54:41Caleb Hammer?

  Just as bad.

• 54:42Speaker 01

  She cooks more food than I do.

• 54:44Caleb Hammer?

  Good. I don't care. She is actually saying it's okay that you did this. Even though it's a credit card that you cannot pay off. That is literally above the credit limit, woman. Above the credit limit.

• 54:54Speaker 02

  Yeah, that's not a credit, but.

• 54:56Caleb Hammer?

  It is above the credit limit and you're okay with that?

• 54:59Speaker 02

  No, no, but.

• 55:01Caleb Hammer?

  Really? Cuz you're trying to justify it to me. So what the are you talking about? No.

• 55:04Speaker 02

  I'm just saying at the time, he needed to spend the money.

• 55:06Caleb Hammer?

  He did not need to. He could have meal prepped. What are you talking about?

• 55:09Speaker 02

  Yeah.

• 55:11Caleb Hammer?

  Yeah?

• 55:12Speaker 02

  But he didn't, so I, I don't.

• 55:13Caleb Hammer?

  But he did it and that's what I'm saying and you're saying it's okay? Do you not get that?

• 55:19Speaker 01

  It's above the limit because I needed gas and if there's a dollar on that card.

• 55:24Caleb Hammer?

  You spent more going out to eat than gas. You spent more going out to eat than gas.

• 55:28Speaker 01

  And it'll go over the limit.

• 55:31Caleb Hammer?

  You spent more eating out than gas. This isn't about the, yes, just on one purchase alone, Einstein Bros was more than gas.

• 55:43Speaker 01

  Gas is like forty bucks a tank. How is Einstein Bros more than gas?

• 55:48Caleb Hammer?

  You spent nine dollars and twenty-four cents at the gas station.

• 55:51Speaker 01

  Oh, that was Pride's ends.

• 55:53Caleb Hammer?

  Yes, that's what I was saying. Really? So you're dating an addict too? Well done.

• 55:59Caleb Hammer?

  28.74% interest on here. What a joke. What a joke. Hey, so your big question at the beginning was should you move in? No.

• 56:11Caleb Hammer?

  And I could end the conversation there. Not going to for the sake of the episode, but honestly, I probably should in a real situation.

• 56:21Caleb Hammer?

  If this was just us talking on the street. But. We're gonna make the because we're sitting here, but the answer is no. The answer is no, you should not move in together.

• 56:35Speaker 01

  I mean, that's what you think.

• 56:38Caleb Hammer?

  You came here to ask me, are you?

• 56:40Speaker 01

  Yeah, I mean, that's your opinion.

• 56:42Caleb Hammer?

  Of which you came here to ask.

• 56:44Speaker 01

  Yeah. So.

• 56:48Speaker 01

  It's not like.

• 56:50Caleb Hammer?

  Is he broken?

• 56:51Speaker 01

  It's not like the truth, I'm just saying.

• 56:53Speaker 02

  But the logic

• 56:53Caleb Hammer?

  Why did you come here to ask me then?

• 56:55Speaker 01

  I hear you.

• 56:55Caleb Hammer?

  What was the point of being here?

• 56:57Speaker 02

  So the logic behind it though.

• 56:59Speaker 01

  Get a plan for to get out of our mess we made.

• 57:04Caleb Hammer?

  She came on asking if you guys should move in together, you're saying to get a plan?

• 57:07Speaker 02

  Well, is it right? Is it realistic? So, but okay, but hear me out. So if we get like a rent that's 18, even 2,000, I'm thinking worst case scenario, $2,000, right? That's a thousand dollars for each of us.

• 57:20Caleb Hammer?

  Buddy, he won't pay his Apple bill for $50 a month.

• 57:24Speaker 02

  But he'll have the money because his

• 57:26Caleb Hammer?

  He'll spend the money on zins. That's what he does.

• 57:30Speaker 02

  Well, he said he quit, so.

• 57:32Caleb Hammer?

  Well, he didn't have the purchases, so that's also someone you're moving in with is someone who's lying to you. Because and you're gonna accept it because you're desperate.

• 57:39Speaker 01

  No.

• 57:39Speaker 02

  No, I'm not desperate. I think at the end of the day.

• 57:42Caleb Hammer?

  Why? Why else would she do this?

• 57:45Speaker 02

  He's a good

• 57:45Caleb Hammer?

  Or else she wants like that like power or something. Like, I don't know why else someone would want this. I don't get it.

• 57:54Speaker 01

  I mean, if we have extra money, we can pay our bills. Right?

• 57:59Caleb Hammer?

  None of this is sinking through to him. And he laughs after everything. He is an actual little child who has the Cabela's club.

• 58:09Speaker 01

  That's a good one. That's

• 58:10Caleb Hammer?

  Who was that? Is that you?

• 58:11Speaker 01

  Yeah.

• 58:11Caleb Hammer?

  Yeah, what are you getting, guy?

• 58:15Caleb Hammer?

  What are you getting?

• 58:17Speaker 01

  Uh, I'd mostly gas on that one. Um.

• 58:21Caleb Hammer?

  Four hundred ninety-five dollars and fifty-eight cents owed with a twenty-seven dollar minimum payment. Five hundred dollar credit limit, so you're already there. You're lucky you made the minimum monthly payment. Didn't make any purchases.

• 58:33Speaker 01

  It's maxed out.

• 58:34Caleb Hammer?

  Yeah, it's basically maxed out. You had a late fee last year. Not surprised. Not even close to surprised. Are you surprised? I'm not.

• 58:41Speaker 02

  No.

• 58:42Caleb Hammer?

  But you don't give a shit either way, so.

• 58:44Speaker 02

  I do.

• 58:46Caleb Hammer?

  You have no, you have shown no indication of that? How is it that people come on the show and then they're just like? Okay. Alright, what is this? What is this, uh, Credit Ninja loan? Oh, it says from Will. What is this for?

• 58:59Speaker 01

  That was for like a thousand dollars.

• 59:02Caleb Hammer?

  What was it for, you two?

• 59:04Speaker 02

  Why'd you get it?

• 59:05Speaker 01

  To pay my rent. So I'm sorry I don't get evicted.

• 59:10Caleb Hammer?

  So this was a different month?

• 59:12Speaker 01

  Yeah.

• 59:13Caleb Hammer?

  So this was a d-

• 59:15Caleb Hammer?

  How many months in a row have you borrowed for rents in different spaces? Borrowed from different people?

• 59:19Speaker 01

  I would say like four or five months.

• 59:21Caleb Hammer?

  Oh, my f-

• 59:23Speaker 01

  Yeah.

• 59:24Caleb Hammer?

  Oh, my f-

• 59:26Caleb Hammer?

  Oh, no.

• 59:27Speaker 01

  Yeah.

• 59:31Caleb Hammer?

  You're gonna sign a lease with that person. How many times can I say that?

• 59:36Caleb Hammer?

  And he laughs at it. I don't understand these creatures.

• 59:39Speaker 01

  It's that or-

• 59:40Caleb Hammer?

  I do not understand these beasts.

• 59:41Speaker 01

  Be- get evicted or-

• 59:43Caleb Hammer?

  Yes, I understand that, but you're putting yourself in a worse position because this takes away money from your minimum monthly allotment, which makes it even harder to pay your rent, meaning you get stuck in this infinite loop.

• 59:53Speaker 01

  Yeah.

• 59:54Caleb Hammer?

  Instead of you just getting rent that you can afford. When did you sign this lease?

• 59:56Speaker 01

  I thought I could-

• 59:57Caleb Hammer?

  When did you sign this lease?

• 59:59Speaker 01

  March, end of March.

• 1:00:00Caleb Hammer?

  So really, you yourself paying this rent, you've only done, you only did for a couple of months before you started having other people pay for it? Via loans or whatever?

• 1:00:09Speaker 01

  Yes.

• 1:00:10Caleb Hammer?

  Yes.

• 1:00:10Speaker 02

  Eight months?

• 1:00:11Speaker 01

  Yeah, I've been there eight months.

• 1:00:13Speaker 02

  No, you've been there eleven months.

• 1:00:17Speaker 02

  And you said you borrowed for four months. So eleven minus four is seven.

• 1:00:21Caleb Hammer?

  She's gonna try to give you an out and try to make you look better than you are in reality. That's what she does.

• 1:00:27Speaker 01

  So I figured, once I make more money, I could pay the rent.

• 1:00:32Caleb Hammer?

  Uh, you guys think that's your solution? You, you wanted to come on here and for me to reaffirm that that is actually gonna work. That's what you wanted.

• 1:00:45Caleb Hammer?

  Bad news, I don't think so, guys. I really do not think so. I really do not think so. The fact is, you borrowed a thousand dollars, you have a balance of two thousand five hundred five dollars.

• 1:00:59Speaker 02

  Well, isn't the rest of that, the interest?

• 1:01:01Caleb Hammer?

  Yes. You're okay with this?

• 1:01:05Speaker 02

  No.

• 1:01:06Caleb Hammer?

  She's, she's just like, isn't that the interest though? Isn't that all it is?

• 1:01:11Speaker 02

  It's, well, right. It just, it sounded the way-

• 1:01:13Caleb Hammer?

  You're okay with this? A thousand five hundred ten thousand interest, also known as a five hundred percent interest rate. Five hundred percent can pay day loan interest rate to pay our rent, you

• 1:01:27Caleb Hammer?

  minimum monthly payment, four hundred twenty dollars.

• 1:01:33Caleb Hammer?

  And you thought that would be payable? Instead of adding that, in, adding that to your rent, so two thousand five hundred five dollars and sixty cents. It's not even interest that is added, it is immediately added at the beginning.

• 1:01:48Caleb Hammer?

  You are, you want to marry a man who takes out payday loans. I really need to hear this from your logic. Why do you actually want to be with him, please? Please, please.

• 1:01:56Speaker 02

  I mean, look. I think he needed the money at the time. No, he just needed the money at the time. I don't think this is a long-term thing that's gonna continue.

• 1:02:07Caleb Hammer?

  Do that confidence because the people that do this are the ones that do this long-term. He popped out two babies with two women he wasn't married to, owes them money. Which is also gonna get taken out of his pay raise.

• 1:02:26Speaker 02

  I just think all this is temporary. We just have to pay it down and then...

• 1:02:30Caleb Hammer?

  Oh, she's fucking delusional. Oh my... What do you guys, can you please answer what do you want from me? Cause what you have said so far is not aligning with the conversation we're having. Please tell me what you actually want me to do.

• 1:02:45Speaker 01

  Can't I make a payment towards those loans without paying the interest? Like towards the principal of those loans?

• 1:02:52Caleb Hammer?

  No, I believe this was set up in a way where I can't...

• 1:02:56Speaker 01

  So I can't pay off the thousand dollars?

• 1:02:59Caleb Hammer?

  Uh, no, because this is the current balance is two thousand five hundred five. If, if you could... Yeah, because they loaned you two thousand four hundred fifty. In reality, that's what they loaned you.

• 1:03:15Speaker 01

  I swear that was a thousand dollars.

• 1:03:17Caleb Hammer?

  You got a thousand dollars in cash, but they lent you two thousand four hundred fifty. One thousand four hundred fifty of that being the fee.

• 1:03:25Caleb Hammer?

  It was a fee, not interest on it.

• 1:03:29Speaker 01

  That, that's pretty bad. I'm not, nah.

• 1:03:37Caleb Hammer?

  So as many of you know, I've been a big supporter of Course Careers for a long time. I'm not just a partner, I actually own stock and I'm an investor. So why did I partner with Course Careers? Because I truly believe in what they're doing. A lot of people have questions about online certifications versus traditional college degrees. Let me be clear, I wouldn't put my name behind something unless I knew it worked. The thing is, not everyone has the time or resources to spend four years in college or take on massive student loan debt. Course Careers offers a practical, affordable way to launch a career in a high-demand field like tech sales, IT, and accounting, where companies are hiring based on the skills needed, not broad college degrees. In fact, right now, one in three companies are dropping degree requirements, and that number is only going to continue to grow.

• 1:04:22Caleb Hammer?

  I know some people think online programs are a quick fix, but that's not the case here. Course Careers takes effort and commitment, but they provide you with a streamlined, proven path. They offer up-to-date, self-paced courses. One-on-one or group coaching from people that work in the industry and most importantly, they help you actually get hired. Just look at graduates like Namesso, who went from driving FedEx trucks to a cybersecurity job at Disney. That didn't happen by chance. He put in the work and Course Careers guided him every step of the way. And what truly sets Course Careers apart is that it's not just about learning skills, but landing a job. Their curriculum is designed based on what employers actually need, and their network of industry coaches will guide you through the entire process,

• 1:05:04Caleb Hammer?

  from learning the skills to interviewing, resume help, and beyond. So if you're serious about starting a new career without wasting years or piling up debt, give Course Careers a try. Start with their free intro course, linked in the description to explore your options. And when you're ready, use the link in the description for $50 off the full course. Your future starts right now and Course Careers is here to help you shape it.

• 1:05:26Speaker 02

  Yeah, it's a lot of money.

• 1:05:29Caleb Hammer?

  I think I see like a thousand more of these payday loans.

• 1:05:34Speaker 01

  Um, should be only be like three or four more.

• 1:05:42Speaker 02

  I think it's four total.

• 1:05:43Speaker 01

  Yeah.

• 1:05:44Speaker 02

  So, three more.

• 1:05:48Speaker 02

  Just saying.

• 1:05:57Caleb Hammer?

  You guys say it like it's nothing.

• 1:06:01Caleb Hammer?

  You guys say it like it's nothing.

• 1:06:08Caleb Hammer?

  I don't see hope. I don't see hope. I don't.

• 1:06:19Caleb Hammer?

  Interest rate on this one's a little better, 160%. Finance charge was, uh, 1,568. You borrowed 2,110, but the current balance luckily on this one because of that fact is actually, so you made some payments towards this $1,831. Op fin.

• 1:06:40Caleb Hammer?

  You guys are fucking done.

• 1:06:44Caleb Hammer?

  He laughs about it. Is this how he reacts to everything? He's a fucking joke.

• 1:06:51Caleb Hammer?

  Are your parents still alive?

• 1:06:53Speaker 02

  Mine? Yes.

• 1:06:54Caleb Hammer?

  Will they accept this?

• 1:06:58Speaker 02

  They...

• 1:06:58Caleb Hammer?

  They, no, they wouldn't, because they want your best interests.

• 1:07:01Speaker 02

  Well...

• 1:07:03Caleb Hammer?

  Come on.

• 1:07:03Speaker 02

  I, oh, I don't know.

• 1:07:05Caleb Hammer?

  Come on. There's no way they would accept this.

• 1:07:07Speaker 02

  I don't talk to my dad and my mom, I don't know, I mean, she lives in Fort Worth as well, but she, uh, she's been supportive of some pretty sh** relationships I've been in, so...

• 1:07:20Caleb Hammer?

  So you know this is stupid. You know this is, you know, you just said that. You know your brain just said that. You know your brain just said that with you consciously thinking it. Absolutely.

• 1:07:31Speaker 02

  No.

• 1:07:32Caleb Hammer?

  Is she okay with this? Well, she's been okay with sh** relationships.

• 1:07:36Speaker 02

  Yeah, so this one is better than those.

• 1:07:39Caleb Hammer?

  How? How? How?

• 1:07:42Speaker 02

  Well...

• 1:07:42Caleb Hammer?

  This is going to end in a financial abuse. No, that's not a joke.

• 1:07:46Speaker 02

  I don't think so. I don't...

• 1:07:47Caleb Hammer?

  I don't know how you, you, you are, you are coping, you are in the honeymoon phase like none other. Because we've caught you early. He's a cancer. And honestly, you're a cancer to him because you're just gonna enable him forever.

• 1:08:00Speaker 02

  No, um, I think we just, you know, we just have to get through all this stuff.

• 1:08:07Caleb Hammer?

  What the f**k kind of cope is that?

• 1:08:11Caleb Hammer?

  That's not an answer, Rudy. You don't get through this. The behavior that got him here in the first place, that also got you here, isn't changed because you guys move in together. We just have to get through it. That doesn't make sense. You still have the behavior that got you there in the first place. That is what you have to change. That is what you have to change. You did not! The month you came in here and sat down, you spent $2,500 more than you brought in?

• 1:08:34Caleb Hammer?

  $3,000 more than you brought in? $3,000 more than you brought in?

• 1:08:41Speaker 02

  Yep.

• 1:08:42Caleb Hammer?

  Speechless fucks.

• 1:08:45Caleb Hammer?

  Alright, Avant!

• 1:08:50Caleb Hammer?

  It's even, it's bigger. $3,842. 31.08% interest loan on this one. Finance charge is $1,998,026. You borrowed $3,600. So your total payments will be $5,598. Your minimum monthly fee is what? What? What? Huh? What is it? 200 bucks. Would he even know? Would he even know? Would he know?

• 1:09:20Speaker 02

  I mean, I hope so.

• 1:09:21Caleb Hammer?

  You hope so, but there is no confidence in whatsoever. I'll put 200. It doesn't say on here. And I don't believe that saved my life. Also, I don't understand with your rent and these minimum payments we've talked about so far, you're already over. Yeah. You've put yourself in a recurring cycle and you want to get with some, I can't say that. I can't say that because I've already said that so many times. I will annoy myself if I wash this back. Do you not understand though, that he will repeat this cycle with you and your money will get dragged into it? Your kid will be affected.

• 1:09:51Speaker 02

  No, I don't think so. It was just a matter.

• 1:09:55Caleb Hammer?

  So how, how, how can you not think that? How can you not think that? Can you explain to me how you could not think that? Because there is no way to not think that. How could you not think that? Explain that to me. How could you not think that? How?

• 1:10:08Speaker 02

  Because he just needed at the time to pay his rent at that time.

• 1:10:11Caleb Hammer?

  He will always need this because he gets in the cycle, in the cycle. So how would he not need it? When he's with you? How? I don't know how he'd be able to afford the split rent anyway with these numbers so far. I really don't. So how? How?

• 1:10:28Speaker 02

  I just, I don't know.

• 1:10:29Caleb Hammer?

  You can't answer. You have no real answer because for some reason you are blind to him. Either you are honeymoon phase, either you are desperate or because you're dumb. I don't know which. It's not ignorance. You know the situation. You saw it when you applied. So it is one of those three. It is one of those three. Pick the three. I don't know. That is for you to find out. There is no way. Best egg.

• 1:11:00Caleb Hammer?

  He doesn't even do anything. You cook. He doesn't take care of his own children. He doesn't do anything.

• 1:11:05Speaker 02

  Well, he does take care of his own children. He pays all that child support. That's why he's part of the reason why he's in this.

• 1:11:10Caleb Hammer?

  Three thousand five hundred thirty-four dollar balance on this. Uh, twenty percent interest. Origination fee. Mount given to you. Finance charges. Okay, you owe three thousand five hundred thirty-five.

• 1:11:26Caleb Hammer?

  Oh, there's then there's a damn upstart. This really just.

• 1:11:30Speaker 01

  That one's paid off. That one's paid off.

• 1:11:34Caleb Hammer?

  I'm.

• 1:11:35Speaker 01

  I'm pretty sure that one's paid off. No?

• 1:11:42Caleb Hammer?

  No? It's the current balance of two thousand seventy-six. What the fuck are you talking about? Pretty sure this one's paid off. Shut up. He doesn't know things. That's why I can't trust that minimum monthly payment that you had. Ah, this conversation's infuriating me. Oh, my gosh. Ah, I'm such a like good things kind of person when I'm infuriated and I don't even know what to do without breaking something.

• 1:12:06Caleb Hammer?

  Upstart. I just, because I can't believe that you are allowing this and you are accepting this. You are accepting this. You are accepting this.

• 1:12:23Caleb Hammer?

  Which it just, it just like, I don't know. I don't know. There's no way not to, there's no, there's. I don't know. I don't know. I don't know. I don't know. I don't know. I don't know. I don't know how the we get through this. I don't know how you, you guys won't survive. You, someone's gonna end up a heroin addict. Something's gonna happen. Something, there's no, I don't know. I don't know. I don't know. I don't know how you guys.

• 1:12:57Caleb Hammer?

  I don't know. I don't know how the [bleep] goes on. Current balance is Upstart 2076. How am I allowing this to continue? Whatever. Whatever. Minimum monthly payment.

• 1:13:12Caleb Hammer?

  Hundred nine dollars, forty-two cents.

• 1:13:15Caleb Hammer?

  What was the [bleep] new? What was the egg? What was the best egg minimum monthly payment? Do we know? Where's the egg?

• 1:13:20Speaker 01

  Two oh nine.

• 1:13:37Speaker 01

  Is this one you?

• 1:13:39Speaker 02

  I don't think so.

• 1:13:39Caleb Hammer?

  E E C U.

• 1:13:41Speaker 02

  That's my bank account.

• 1:13:47Caleb Hammer?

  Oh my gosh. What do you possibly owe? Twenty-seven thousand, seven hundred and thirty-eight dollars and seventy-four cents. A car at almost... Okay, seven percent. What is the car? What is the car? What do you have?

• 1:13:58Speaker 02

  It's a 2024 Toyota Corolla Hybrid.

• 1:14:03Caleb Hammer?

  Twenty-four?

• 1:14:04Speaker 02

  Yes. I bought it in October twenty-three.

• 1:14:07Caleb Hammer?

  You owe twenty-seven thousand, seven hundred and thirty-eight dollars. How much is it worth?

• 1:14:10Speaker 02

  Um, I think it's like twenty-four, twenty-five.

• 1:14:12Caleb Hammer?

  It's worth twenty.

• 1:14:13Speaker 02

  But, oh.

• 1:14:14Caleb Hammer?

  It's worth twenty.

• 1:14:15Speaker 02

  Okay.

• 1:14:15Caleb Hammer?

  Seven thousand underwater.

• 1:14:17Speaker 02

  Yeah, well, when I traded in my old Toyota, it was, I was upside down. I had to get out of that other one.

• 1:14:22Caleb Hammer?

  You're underwater.

• 1:14:23Speaker 02

  Yeah.

• 1:14:24Caleb Hammer?

  And you always will be when you keep that cycle. I don't want to finish this episode. I want away from you guys. Just because I have a fear that your mental aids will infect me somehow. And I don't want that. I mean, she needs a car. To get to work.

• 1:14:49Speaker 02

  I did, I did need a car.

• 1:14:50Caleb Hammer?

  To you guys anymore.

• 1:14:52Speaker 02

  I did need a car.

• 1:14:53Caleb Hammer?

  Don't sh- yeah. Care. Oh, my gosh, your old Toyota was twenty twenty.

• 1:14:58Speaker 02

  Yeah, but it was, so, it was a rental before I bought it. So, I got it.

• 1:15:03Caleb Hammer?

  Hi, lady.

• 1:15:04Speaker 02

  Like fifty fifty five.

• 1:15:05Caleb Hammer?

  Oh, fifty thousand dollars, fifty thousand miles on a Toyota. Oh, my gosh, it'll never last. It'll never last.

• 1:15:14Speaker 02

  It was starting to have transmission issues, like I could tell.

• 1:15:17Caleb Hammer?

  Really? No, you couldn't. Did you take it to a freight transmission place where it tested the transmission?

• 1:15:21Speaker 02

  So, the car.

• 1:15:22Caleb Hammer?

  So, you went fucking stupid this debt and rolled it over negative equity before you took it to a transmission place, which are free to run a transmission thing, and they'll try to sell you on stuff. But you can get a transmission fucking test. Even if you paid for it, I wouldn't give a. You'd rather, you'd rather go into a seven thousand dollar negative equity position on a expen-. Cause you have a fifty thousand dollar Toyota. A transmission fix would have been cheaper regardless even. Not that I would necessarily recommend doing it, we would have to run the numbers, but even still, I wouldn't recommend doing what you did anyway.

• 1:15:54Speaker 02

  I just didn't like the car either.

• 1:15:55Caleb Hammer?

  I don't give a. I don't care, you're in more debt now, you're, you're, never get a house, never get a house, never get a house, never get a house, never get a house, never take advantage of debt again.

• 1:16:08Caleb Hammer?

  Ah, I don't know how, the only, I only, the only thing that would lead to a successful end to your life is when he is playing with his choo choos, you stand in front of one.

• 1:16:24Caleb Hammer?

  That would be instant death, yeah.

• 1:16:26Speaker 02

  Yeah. That's not good.

• 1:16:30Caleb Hammer?

  Four hundred eighty seven dollars and ninety six cents minimum monthly payment.

• 1:16:36Caleb Hammer?

  I, I don't know. Seven percent interest, you're not keeping up with the market.

• 1:16:45Caleb Hammer?

  Normally I gift them a course career certification, but I actually don't want to. But I'm going to. Nah, you, fine.

• 1:16:54Caleb Hammer?

  I was gonna say I would give it away to someone in the audience, but no, I, I, I don't feel comfortable with not giving the same resources to every guest. Okay, Will Money Ode Family, 4,000. Let me guess, for fucking rent?

• 1:17:06Speaker 01

  Yeah.

• 1:17:07Caleb Hammer?

  Huh?

• 1:17:07Speaker 01

  Yeah.

• 1:17:12Caleb Hammer?

  Who'd you borrow from?

• 1:17:13Speaker 01

  Uh, my sister and my dad.

• 1:17:15Caleb Hammer?

  Your sister and your dad?

• 1:17:16Speaker 01

  Yeah.

• 1:17:17Caleb Hammer?

  Now, did your dad marry your sister and she's also your mom?

• 1:17:20Speaker 01

  No.

• 1:17:21Caleb Hammer?

  Are you confident?

• 1:17:22Speaker 01

  Uh, yeah.

• 1:17:25Caleb Hammer?

  4,000 total together?

• 1:17:29Speaker 01

  Um, no. 1,200 to my sister and 2,800 to my dad.

• 1:17:34Caleb Hammer?

  So, yes, 4,000 together.

• 1:17:36Speaker 02

  Together, combined.

• 1:17:37Caleb Hammer?

  Combined, yeah.

• 1:17:44Caleb Hammer?

  You have a degree to do what you do?

• 1:17:46Speaker 01

  And 150 to my little sister.

• 1:17:49Caleb Hammer?

  But, yeah. Do you have a degree to do what you do?

• 1:17:51Speaker 01

  No. No.

• 1:17:57Caleb Hammer?

  You have minimum monthly payments to them?

• 1:18:00Speaker 01

  No, I'm gonna pay them back when I have money.

• 1:18:02Caleb Hammer?

  I'm sure you are a big guy.

• 1:18:03Speaker 01

  Yeah.

• 1:18:06Caleb Hammer?

  Who owes 40,000 hours in student loans? Well, we know you didn't go to college.

• 1:18:10Speaker 02

  Yeah.

• 1:18:11Caleb Hammer?

  What degree do you have to sign leases?

• 1:18:14Speaker 02

  Um, you don't need a degree to do that.

• 1:18:17Caleb Hammer?

  That was my point.

• 1:18:18Speaker 02

  Um, yeah, so...

• 1:18:20Caleb Hammer?

  And it's not a bad job. I'm just saying you have 40,000 hours in student loans for a degree you're not using. What did you study?

• 1:18:26Speaker 02

  Um, I actually switched majors several times. So, originally, I went to school for Vet Tech and then decided that wasn't for me.

• 1:18:37Caleb Hammer?

  Good.

• 1:18:37Speaker 02

  Um, then I switched, oh, let me see. I think I was gonna do a business major at one point. I did a little bit of psychology and, uh, paralegal for like one semester.

• 1:18:50Caleb Hammer?

  Do you have a damn degree?

• 1:18:51Speaker 02

  No.

• 1:18:52Caleb Hammer?

  Okay. I dropped out too. I don't judge it. 40% of people who borrow for college drop out.

• 1:19:04Caleb Hammer?

  Hold on. Original, total original amount was twenty-nine thousand?

• 1:19:11Speaker 02

  Yeah, so this is something I don't understand. So, there's like, you know how it's broken up to like, a million different smaller loans? And the total is at forty thousand, but some of them, they say the interest is like eighty-five percent or whatever. Huh? I don't, I don't know how to explain it. But like, oh, it's like balance paid off is negative eighty-five or something, I don't know.

• 1:19:36Caleb Hammer?

  Yeah, because you have it paid and it's accruing interest, the unsubsidized ones especially.

• 1:19:40Speaker 02

  Well, I'm in the-

• 1:19:41Caleb Hammer?

  Hey, what's your minimum monthly?

• 1:19:43Speaker 02

  Zero, because I'm in the, uh, income-driven.

• 1:19:46Caleb Hammer?

  Yeah, that's gonna fuck you.

• 1:19:48Speaker 02

  I know, I've-

• 1:19:49Caleb Hammer?

  Because that interest is accruing and nothing's happening. And guess what? New administration, not the biggest fan of the Department of Education, guess who decides who, how these loans are paid back?

• 1:19:58Speaker 02

  I've heard.

• 1:19:59Caleb Hammer?

  Would you like to hear who is the Department of Education? So, good luck, lady! You fucked it. Your minimum payment's probably like four hundred fifty if you start back up, which you could do if you're a responsible adult. You chose not to, you chose not to, you chose not to. Uh, it sounds like the interest history even fucking high on these things.

• 1:20:23Speaker 02

  Did you see what I'm talking about?

• 1:20:24Caleb Hammer?

  I see what you're fucking talking about, it's because you never made a payment and interest accrues. So yeah, you're fucking behind on it. Who would have thought that basic math worked?

• 1:20:33Speaker 02

  Yeah.

• 1:20:37Caleb Hammer?

  Who has the damn Discover fucking card? Huh? Who has the Discover? Oh, it's a personal, no. Yeah, it's a personal loan. Who has this? Who has the personal loan?

• 1:20:47Speaker 02

  That's mine.

• 1:20:49Caleb Hammer?

  Why the fuck do you have a twenty-two percent personal loan? Of five thousand four hundred twelve dollars and forty-four cents?

• 1:20:55Speaker 02

  Okay, so I think I'm remembering now. So, I consolidated-

• 1:20:59Caleb Hammer?

  You think you're remembering?

• 1:21:00Speaker 02

  I consolidated some credit card debt and one of them-

• 1:21:03Caleb Hammer?

  How'd that work?

• 1:21:03Speaker 02

  And, um, well-

• 1:21:06Speaker 02

  It made sense at the time.

• 1:21:07Caleb Hammer?

  Oh, did it? Because now all of a sudden you have a lot of credit card debt. So that's curious.

• 1:21:12Speaker 02

  I think, I think the, um, the other one that I, that you said I paid off.

• 1:21:17Caleb Hammer?

  Well, I thought, yeah, then you put a balance on it. Hundred fifty-two dollars, sixty cent minimum payment. Go ahead, what?

• 1:21:23Speaker 02

  I mean, I added up all like the interest and everything from the individual cards.

• 1:21:29Caleb Hammer?

  Yes.

• 1:21:29Speaker 02

  I would have paid more.

• 1:21:31Caleb Hammer?

  Do I really have to explain this? How long have you been watching the show?

• 1:21:33Speaker 02

  Um.

• 1:21:34Caleb Hammer?

  It has to have only been, yeah, okay. You must not have heard it enough for it to drill into your system. That is why I will tell you, it is not a mathematical thing that consolidating is bad for someone like you. Mathematically, you were probably correct.

• 1:21:49Speaker 02

  I hope so.

• 1:21:50Caleb Hammer?

  You consolidate, all of a sudden your credit card balances go to zero. What does that mean for someone that defended him having the ability to spend more money? No, no, I knew you were like, there's thirty thousand dollars on this card. I could spend the few thousand dollars. When it's zero, it means you spend it. You spend it. You, you didn't fix your behavior before you consolidated. So your credit card debt goes back up and guess what happened? It did!

• 1:22:12Caleb Hammer?

  Oh. Guys. For god's sake.

• 1:22:27Caleb Hammer?

  I don't want to do this. I don't want to do this. I'm throwing a fit.

• 1:22:31Caleb Hammer?

  Okay.

• 1:22:35Caleb Hammer?

  You're not adults. You're not adults. This conversation is pointless. I wanted to answer your questions at the beginning. You came here to just have your opinion in what you thought was good to be affirmed, reaffirmed. And I'm not gonna, cuz it's not fucking true. No, do not move in together. You're trapping both of yourselves into a ticking time bomb known as each other. Don't get together. It's gonna fucking ruin your kid's life. You guys are horrible at personal finances. I can't speak for the other parts of life, but listen, you guys also have lots of kids with other people, so maybe you just aren't doing life well in general.

• 1:23:20Caleb Hammer?

  I don't know. What, what do you want to possibly say?

• 1:23:23Speaker 01

  And I have two.

• 1:23:23Caleb Hammer?

  I know. Yes, that is what you said at the beginning, guy. And guess what? Three is multiple. Shut the fuck up.

• 1:23:29Speaker 01

  Several. Maybe several.

• 1:23:35Caleb Hammer?

  There is nothing that can be done here and I'm not wasting my fucking time with this bull. I am lucky that I have now had to end a conversation in a long time, but what the is the point here? I'm not gonna talk to two morons who just wanted me to reaffirm their opinion.

• 1:23:53Caleb Hammer?

  We're gonna have pleasantries, we're gonna record the fucking post-show because that is my obligation as someone who has invited you here. But there is nothing productive to be done. There is nothing productive to be done here. You guys are literal dumb. You enable him? You allow him to be a child? You? How you've made it this far? I have no idea. I have no idea. Everything here is a fucking joke. A joke. And guess what? We didn't even get to the spending statements and we're not going to. Every single page is a spending of restaurants and bull and zins and dumb.

• 1:24:33Caleb Hammer?

  Instead of while we're behind on rent and getting fucking getting shit, getting shit from our family. Yeah, we're brought from our family. We're relying on our girlfriend of only a few months. Yeah, let's do that. Let's go spend our money on bull. You're a child. You are enabling it. You are allowing it. Well, you're also a child yourself at the same time. You just present a little more mature, even though equally you are not. You are not. Should you move in together? No, not a single fucking chance. Should you guys be together? No, you're gonna drag each other down into the depths of fucking pain and suffering and misery and it's gonna ruin your child's fucking life. This is a joke. This is a joke. I hope we have some giggles and bull in the post-show, but this is a fucking joke. Hammer Financial Score.

• 1:25:15Caleb Hammer?

  You haven't given that in a long time. I'll see you guys in the fucking membership. If you join Elite, I'll pay for it. By giving you guys a thing of just prove your purchase at members at CalebHammer.com. And I'll fucking give you a Visa gift card that can be spent anywhere. What a fucking joke. Make sure to download Budget and you won't be a joke like them. Why? Those are fucking dollars and payday loans and you're still negative in your stupid checking account? What possible debt do I not know about?

• 1:25:44Speaker 01

  So my former employer says I owe them back.

• 1:25:47Caleb Hammer?

  You owe your former employer?

• 1:25:49Speaker 01

  Yeah.

• 1:25:49Caleb Hammer?

  How do you? Why? Why? Why? Dollars? When did this come in?

• 1:25:58Caleb Hammer?

  No! Ah!

• 1:26:01Caleb Hammer?

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