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Transcript 16,456 words · 3 speakers
Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.
0:00 Speaker 00 To watch episodes of Financial Audit a week earlier, check us out on YouTube.
0:03 Caleb Hammer? You're admitting this online right now?
0:05 Speaker 00 I am. It's a conscious clearing thing.
0:07 Caleb Hammer? The a million warnings we gave you before coming on here.
0:10 Speaker 00 Yeah.
0:11 Caleb Hammer? What the fuck are you doing? Well, hundreds of thousands of people are noticing you now.
0:14 Speaker 00 I want to be noticed by you too.
0:16 Caleb Hammer? Don't make this weird.
0:17 Speaker 00 I'm not trying to.
0:18 Caleb Hammer? It's not weird.
0:19 Speaker 00 They call you Hammer Daddy, but now it is weird.
0:22 Caleb Hammer? Download my new simpler budget app today and take control of your money once and for all.
0:29 Speaker 00 Hey, this is Justin. Uh, this is Financial Audit. I'm thirty years old and I'm an airline mechanic.
0:35 Caleb Hammer? And this is Financial Audit. Welcome. Okay, a little out of order there, but that's okay.
0:41 Speaker 00 Yeah.
0:42 Caleb Hammer? Just don't, don't mechanic my airline and we'll be fine.
0:44 Speaker 00 Sure, that's the most of my life, to be honest.
0:46 Caleb Hammer? Usually people don't say, what did you say? You're from Tulsa, Oklahoma.
0:50 Speaker 00 Yeah.
0:51 Caleb Hammer? You messed up something, but that's fine. Uh, okay. So airline mechanic.
0:55 Speaker 00 Yeah.
0:56 Caleb Hammer? How much you making? I mean, did you say thirty?
0:58 Speaker 00 Yeah, I'm thirty.
0:59 Caleb Hammer? We're one year apart, my dude. No, no, I'm thirty in like half a month. You're graying.
1:04 Speaker 00 Yeah, I mean, shoot, this will be you in about one more year, bud.
1:08 Caleb Hammer? When did you start graying?
1:09 Speaker 00 I think I was like twenty, twenty-two, twenty-one.
1:13 Caleb Hammer? Okay, well, that sounds like a you problem then. Okay, so what do you make in this airline mechanic living?
1:18 Speaker 00 Um, I make eighty thousand a year.
1:20 Caleb Hammer? Woo, and in Tulsa, not too bad. It's not necessarily known for being an aggressively high cost of living.
1:26 Speaker 00 Yeah, we are the top ten lowest cost of living.
1:30 Caleb Hammer? Wow, so eighty thousand dollars.
1:31 Speaker 00 Yeah.
1:32 Caleb Hammer? Does not explain this fucking stack of insanity. Honestly, I haven't had a, a big stack like this in a while. I've had quite a few small stacks for a bit, and this is insane. The things that are in here that we discovered and it's just chaos beyond chaos beyond chaos. It's gonna be, it's gonna be an interesting one. How the?
1:51 Speaker 00 Well, I can explain all of that, man. It's just like.
1:53 Caleb Hammer? Before that, just how are you doing? How you living? Eighty thousand dollars. How does it feel? Tulsa?
1:59 Speaker 00 Not very good. I'm back in my mom's house. I have to like.
2:02 Caleb Hammer? Move back in eighty thousand dollars?
2:03 Speaker 00 Yeah, if you really wanna like buy a house nowadays, you gotta like, think about like lowering your costs.
2:09 Caleb Hammer? So is that what it is? It's literally just trying to be savings opportunity?
2:13 Speaker 00 That and I fucked up and, and, uh, in.
2:19 Speaker 00 Losing my job over a thing because I made an unsafe condition.
2:22 Caleb Hammer? The eighty thousand dollar job?
2:23 Speaker 00 Yeah, they.
2:24 Caleb Hammer? Why is what you do for a living? You said this?
2:27 Speaker 00 Not this job. I was the last job at uh at in Oklahoma City. And and they weren't only paying thirty one dollars an hour. So I feel like I did good by fuck and I'm falling back into this job.
2:41 Caleb Hammer? Okay, well, I'm glad you make more. I mean, I would have rather you had just changed jobs, but okay. So you're saying it's a good thing that you got. When'd you get fired?
2:52 Speaker 00 I got fired in September or around September.
2:55 Caleb Hammer? Okay, why?
2:57 Speaker 00 Of unsafe condition, I.
3:00 Caleb Hammer? Yeah, this is important.
3:01 Speaker 00 Trying to trying to push a plane out without uh doing the proper channels to.
3:07 Caleb Hammer? What the? Yeah, you should be fired and honestly shouldn't be hired again.
3:10 Speaker 00 Yeah, but.
3:12 Caleb Hammer? Yeah, oof.
3:13 Speaker 00 But good thing is is I skipped ahead through my stuff to before they could, somebody could do a reference on me to get this next job.
3:23 Caleb Hammer? Buddy, I'm gonna call out a couple of things real quick.
3:26 Speaker 00 Yeah.
3:26 Caleb Hammer? Just a a just a a a a couple of things. Uh, one, breathe through your mouth because your nose whistles. Two. As the a million warnings we gave you before coming on here, you know, your current employer is probably gonna see this.
3:44 Speaker 00 Yeah. Yeah.
3:46 Caleb Hammer? Which, by the way, we also ask, hey, what can we not talk about? Whatever they decide not to talk about, we don't ask a second question. We just don't talk about it. What the fuck are you doing?
3:57 Speaker 00 More along the lines as I was doing inspection, did everything, was supposed to pull circuit breakers. I did it without pulling the circuit breakers, which I still was able to do the inspection. But because I was in probation, they were like, hey, you can't do that in the future. You need to leave.
4:10 Caleb Hammer? You're admitting this online right now.
4:13 Speaker 00 Yeah, I am. Uh, it's it's a conscious clearing thing.
4:16 Caleb Hammer? Sure, sure, sure. Sure, sure, sure. Clear clear those nasal pathways.
4:20 Speaker 00 Yeah.
4:24 Caleb Hammer? All right, man. Well, very bold and brave of you. Again, if people knew the onboarding process, the amount of opportunities you had to not do that. Okay, cool. So why are you struggling? You said, oh, there's a reason for this and that and this and that. So you moved in back with your mom in September?
4:40 Speaker 00 Uh, about September, October, I got a job at, uh, at an airline, uh, for general aviation. And then I fell into this next job.
4:51 Caleb Hammer? Fell into? What does fall into?
4:53 Speaker 00 Whereas like, I didn't really like the job because it didn't fit me bad good enough. And it wasn't paying me fast enough for what I wanted.
5:01 Caleb Hammer? Fast enough?
5:02 Speaker 00 Because I knew in my industry that I could get paid more by going.
5:06 Caleb Hammer? They weren't paying you enough, not fast enough. Okay.
5:09 Speaker 00 Yeah. But for, for me to, because my grandpa died and that's why I was like, I need to get by his house and stuff.
5:16 Caleb Hammer? Need to buy his, okay. Whoa, there's so much to unpack here, buddy. You were just, whoa, you were laying it down. You were just like, pop, pop, pop, pop, pop, pop, pop, massive things. When did you move in with the mom?
5:25 Speaker 00 September.
5:26 Caleb Hammer? September. September, you moved in with the mom as a forty year old, thirty year old, moving back in with your mom. Okay.
5:32 Speaker 00 Yeah, with my soon to be ex-wife.
5:38 Caleb Hammer? Soon to be, in September? What's going on there?
5:43 Speaker 00 So before I even took my, all my tests for all these stupid, oh, my career's not stupid, but.
5:49 Caleb Hammer? Well, I feel like I would actually like you to pass the test when people's lives are in your hand.
5:52 Speaker 00 Yeah, I, I.
5:53 Caleb Hammer? Not fill out Google forms.
5:55 Speaker 00 Yeah. Is that she decided that she wanted to feel independent and be independent and be like, I, we rushed into it and be like, oh, don't want to be with you anymore.
6:06 Caleb Hammer? Maybe she wants to fly without crashing.
6:08 Speaker 00 Yeah, most people do.
6:10 Caleb Hammer? Okay.
6:11 Speaker 00 I mean, you, you only get to do that once in your life. I don't want to be the person that, uh, that makes you feel that way.
6:17 Caleb Hammer? Yeah, no one fly out of Tulsa.
6:19 Speaker 00 Oh, my, my fleet's all across the nation. This is what I work on.
6:22 Caleb Hammer? Oh, comforting.
6:23 Speaker 00 I'm a maintenance.
6:24 Caleb Hammer? Comforting.
6:27 Caleb Hammer? You know what's really interesting because this conversation is crazy. Even my producers are giggling right now. It's like, I keep seeing people ask like, is the show fake? No, this is reality. We are in this. No, it's okay. You guys can laugh. It's okay. They're they just they equally cannot comprehend what is happening right now, but
6:49 Caleb Hammer? I know you're spewing.
6:50 Speaker 00 Yeah.
6:51 Caleb Hammer? I I I feel it and hear it. It's happening right now.
6:56 Caleb Hammer? Okay, so how long were you guys together?
6:59 Speaker 00 Uh, we were we're three years in February.
7:02 Caleb Hammer? And she decided in February of last year, so about to be four. Okay, so you guys were basically four years together. When you guys, when did you get engaged?
7:11 Speaker 00 Uh, we got engaged July before that year. Uh, so in like 2021, we lived through COVID together and all that stuff. Uh, this is a rough time to be dating and like getting together with someone.
7:23 Caleb Hammer? So moving in with mom, she wanted to be in it. Well, honestly, okay. I mean, hear me out. This is I this isn't coming from a place of judgment. I'm just trying to put myself in her shoes. If, well, what's her career? What does she do for a living?
7:36 Speaker 00 Uh, she's a part time clerk at a
7:39 Caleb Hammer? Okay, so she's not the breadwinner winner of the household.
7:41 Speaker 00 No.
7:42 Caleb Hammer? If I'm not the breadwinner of the household, then I'm marrying someone who is. And I feel like that person keeps getting fired because people are gonna crash and burn and die. And, uh, he's a forty year old, thirty year old, moving into his mom's place and taking me with him. I might seek some independence as well.
7:59 Speaker 00 Yeah, especially since I before that, I had gone through four different jobs.
8:05 Caleb Hammer? I thought you were gonna say divorces. Four different jobs in how long?
8:10 Speaker 00 Uh, say again?
8:12 Caleb Hammer? Four different jobs in how long? Go ahead, take a swig.
8:15 Speaker 00 Uh, within one year.
8:18 Caleb Hammer? How, okay, so the eighty thousand dollars of wrote down is exciting. How confident are we gonna keep that?
8:24 Speaker 00 Uh, pretty confident. Um, I'm
8:26 Caleb Hammer? Why are you feeling that confident?
8:28 Speaker 00 Cause I've learned my lesson since the, uh, the OKC job.
8:32 Caleb Hammer? And what? You learned your lesson to do your job?
8:35 Speaker 00 Yeah, and not to skip steps, even if
8:37 Caleb Hammer? If I have a new job once a quarter or two, my hairline would be the same.
8:40 Speaker 00 Even if the, it's more along the rules of like how the, um, the culture is within that type of place where they want to push the plane out as fast as possible. That's why
8:50 Caleb Hammer? Of course they do, but that doesn't mean they're, they obviously have the standard, which is why you were fired.
8:55 Speaker 00 Yeah, that's why I didn't make it past probation.
8:58 Caleb Hammer? But what makes you think you're gonna stick to this now?
9:01 Speaker 00 Holding myself accountable and knowing that I have gambled everything to get to this job.
9:07 Caleb Hammer? What have you gambled? Cause yeah, this is, man, this is thick.
9:11 Speaker 00 A lot of that is living expenses, like having for my apartment to stay
9:16 Caleb Hammer? Apartment, you live with your mom?
9:17 Speaker 00 Well, my apartment when I was in
9:18 Caleb Hammer? Has she moved out?
9:20 Speaker 00 No.
9:20 Caleb Hammer? So you guys are living together with your mom as ex-fiances?
9:24 Speaker 00 And nephew.
9:26 Caleb Hammer? Okay.
9:27 Speaker 00 In a very like twelve hundred square foot home.
9:31 Speaker 00 With, uh, bugs and all that stuff. Uh, yeah.
9:35 Caleb Hammer? What? Boys, what do you, like, there's a cricket that you have to smash around some while or are you saying?
9:40 Speaker 00 No, they have, they have cocks in their name and, uh, some, someone have beds in their name and, and
9:47 Caleb Hammer? Why are you still there? You make eighty thousand dollars. Why is she still there?
9:51 Speaker 00 Uh, because she doesn't want to work extra hours.
9:56 Caleb Hammer? Yeah, she would rather sleep with bedbugs and cockroaches than work extra hours. She wants independence, but she's not able to work for her. I think she needs to come on the show. Maybe we'll call her in the post show. That's when we
10:05 Speaker 00 I've tried to do the whole shtick of like how you do your show to her and she's like, don't tell me I like that. Don't do
10:11 Caleb Hammer? Oh, come on.
10:12 Speaker 00 Yeah, I get it. It's just
10:16 Caleb Hammer? I don't like, I'm just trying to think like, how would I take that conversation coming from you? I'm sorry.
10:24 Speaker 00 Well, I'm just trying to follow, I was just trying to follow the formula.
10:27 Caleb Hammer? Well, also you have to remember, you can't just have that conversation with people. I don't walk up to people on the street and have that conversation.
10:32 Speaker 00 Yeah.
10:32 Caleb Hammer? We have people that are volunteering weeks in advance.
10:35 Speaker 00 Yeah.
10:36 Caleb Hammer? Like trying to have that conversation. If you're just going up there, you're like, I don't think she's gonna be very receptive. Here, eat this cockroach, woman.
10:46 Speaker 00 Well, she, I mean, I've even tried to get her to push her to go take her test for cybersecurity, which even I had to.
10:52 Caleb Hammer? Why is she taking a cybersecurity test? She works at a gas station. What do you mean?
10:55 Speaker 00 She wants to do cybersecurity and move out and be like her friends, but.
10:59 Caleb Hammer? Does she have a degree or certification in cybersecurity?
11:02 Speaker 00 Yeah, I even had to push her to go do that. Like I had to poke and prod her.
11:07 Caleb Hammer? Maybe you should have left her. She sounds like a lowlife, like a never achiever. Who can be around that?
11:13 Speaker 00 I would, you're kind of like, you don't have the, before I was on what I am now, I.
11:19 Caleb Hammer? On?
11:20 Speaker 00 Yeah, I take a medicine for anti-anxiety. I got.
11:24 Caleb Hammer? Okay, I do too. It's called Celexa.
11:25 Speaker 00 Yeah, I'm, I'm Beniflexin, so.
11:29 Caleb Hammer? Oh, is that a medicine?
11:30 Speaker 00 Yeah.
11:30 Caleb Hammer? Okay.
11:31 Speaker 00 And is like desperate for to be noticed and I feel like.
11:36 Caleb Hammer? So you're just saying because you got one, because you got a lady, you got the wife that like, okay, I'm just gonna deal with all the bullshit.
11:45 Speaker 00 Yeah.
11:45 Caleb Hammer? How'd you get in all this debt, other than obviously being fired once a quarter?
11:50 Speaker 00 Spiraling in the Navy of getting a credit card, thinking I was gonna, yeah, I was.
11:54 Caleb Hammer? When were you in the fucking Navy?
11:56 Speaker 00 I joined out of high school.
11:57 Caleb Hammer? How many layers are in this thing?
12:00 Speaker 00 Uh, a lot of, a lot of layers.
12:04 Speaker 00 Yeah, yeah. Enough to make someone cry.
12:11 Speaker 00 So, um.
12:12 Caleb Hammer? When were you in the Navy was the question?
12:14 Speaker 00 I I was started out in eighteen. Um, I did that.
12:18 Caleb Hammer? Eighteen, two thousand eighteen.
12:20 Speaker 00 No, I was eighteen years old.
12:22 Caleb Hammer? I asked, when were you in the Navy?
12:24 Speaker 00 In twenty thirteen, twenty thirteen to twenty seventeen.
12:28 Caleb Hammer? Uh, yes, yes, we are about the same age. That actually makes sense. That's true. I can, I can do that math. Okay. To, to when I'm sorry?
12:35 Speaker 00 Uh, to twenty seventeen. I did it four years.
12:39 Caleb Hammer? And the spiral started in the Navy, but you ended in seventeen. That's so long ago now.
12:43 Speaker 00 I'll be honest, it's, it's kind of spiraled into like when I was sixteen and I got my first car and I did modifications.
12:49 Caleb Hammer? Okay, so now we're going back to sixteen.
12:51 Speaker 00 Yeah, is, well, I mean, I'll be honest, like, if I'm being honest here, it's just, um.
12:56 Caleb Hammer? I would like that.
12:58 Speaker 00 Is that is when I was sixteen, my mom took my dad's truck away and gave it to me. And I was able to start modifying it and get into it, make it look cool and try to be noticed and stuff by girls and stuff.
13:13 Caleb Hammer? What is with this be noticed thing?
13:15 Speaker 00 Uh.
13:16 Caleb Hammer? I like going on dates too. Dates are super fun.
13:18 Speaker 00 Well.
13:18 Caleb Hammer? I make always jokes about it, but.
13:20 Speaker 00 Oh.
13:21 Caleb Hammer? It's super fun to go on dates, but what's up with this, this like, like incessant need to be noticed and willing to bet your entire financial future on it? That's actually, that's a, that's something we've not had on the show ever, as far as I know.
13:32 Speaker 00 Is because I feel like I need to compete between my brother and my.
13:37 Caleb Hammer? Oh, competition.
13:38 Speaker 00 Uh, to be noticed by my mom and my, well, my dad left me, but, or he doesn't left me. He came in and out of my life.
13:47 Caleb Hammer? He's just getting some cigarettes at the store. That's okay.
13:50 Speaker 00 It was more beer than anything and then the beating, but yeah.
13:56 Caleb Hammer? Hold on. I tried to giggle at that. This conversation is just wild. This conversation, that's not funny. That's not funny. That's, I'm very sorry you went through that. I'm giggling more of the absurdity of this conversation.
14:07 Speaker 00 It was against my mother, me watching it.
14:09 Caleb Hammer? Okay, buddy, I don't, the way you say this is just, I'm not laughing at the situation. I'm laughing at.
14:18 Caleb Hammer? Just the way you lay these things that you're just so just, I, okay.
14:25 Caleb Hammer? Well, hundreds of thousands of people are noticing you now. I hope it makes you feel better.
14:31 Caleb Hammer? Uh, so competent. So yeah, we don't want to be noticed by him. He's a piece of shit. If he ever comes back, then call me over. We'll beat him up together. He's a
14:41 Speaker 00 Well, I mean, the whole thing I wanted to do is just, I want to be noticed by you too.
14:45 Caleb Hammer? Don't make this weird.
14:46 Speaker 00 I'm not trying to.
14:47 Caleb Hammer? No, no, no.
14:48 Speaker 00 I call you Hammer Daddy, but
14:50 Caleb Hammer? Now it's weird.
14:51 Speaker 00 I don't have a filter. I just keep going.
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16:39 Caleb Hammer? Alright, son. So let's talk about how you are.
16:45 Caleb Hammer? Did your mom not?
16:50 Caleb Hammer? I'm not gonna let him sit on my lap, guys. It's not happening.
16:54 Speaker 00 You're giving me stuff at the end anyway.
16:55 Caleb Hammer? We're seventeen minutes in, this is, okay. I appreciate your existence.
17:02 Speaker 00 Well, you're the first one to say that.
17:04 Caleb Hammer? No, stop!
17:06 Speaker 00 I mean, my dad didn't.
17:08 Caleb Hammer? I know that, but that's good. Good. That's good. You're very forward. You're very unfiltered. I like that. It's rare. It's rare. A lot of people kind of reserve themselves on their show.
17:22 Speaker 00 Well, everybody thinks I'm a little on the spectrum, bud.
17:26 Caleb Hammer? So.
17:27 Speaker 00 Thanks to this insurance, I might be going tested after this that I finally got in this year.
17:31 Caleb Hammer? You finally what?
17:32 Speaker 00 I finally got insurance after six years of not having it. It's probably one of the reasons why I was like.
17:38 Caleb Hammer? Alright, whatever spectrum we're on, let's try to stay on it instead of jumping to another one. This is like, we need to, we need to like, stay on this path, stay on this path, breathe through your mouth.
17:51 Speaker 00 Do I talk to you now about bond ladders, or do I talk later about bond ladders? I've always wanted to know what your opinion was on that, or do we?
18:00 Caleb Hammer? You have a hundred and eleven thousand dollars in bad debt.
18:03 Speaker 00 Yeah.
18:03 Caleb Hammer? Fuck bond ladders, I.
18:05 Speaker 00 I'll, I'll, I'll get out of it soon. I know I can. I mean, I'm making eighty thousand.
18:11 Caleb Hammer? You are making eighty thousand, but you know, I, I want to be clear, this is not an income situation. I'm struggling, uh, to find a way to like get into this conversation because you're interesting, but like I keep trying to understand you a little bit more, but it just keeps unpacking, unpacking, unpacking. Did your mom not pay attention to you very much?
18:32 Speaker 00 Uh, she had to deal with my brother going to juvie and then, um, going to in and out of prison and having.
18:42 Caleb Hammer? Is he in prison right now?
18:44 Speaker 00 No, he actually owns a dispensary up in Oklahoma. He's doing pretty well. He just got married. Hate him, but.
18:51 Caleb Hammer? Well, you almost got married too.
18:54 Caleb Hammer? You hate him? Because he took the attention away?
18:58 Speaker 00 Yeah, and some other things.
18:59 Caleb Hammer? This attention thing's interesting.
19:00 Speaker 00 We've gotten in fights and stuff.
19:01 Caleb Hammer? Do you go to therapy?
19:03 Speaker 00 Uh, I did. I have gone to therapy.
19:05 Caleb Hammer? Buddy, I'm sorry. You desperately need to go to therapy to unpack this.
19:10 Speaker 00 I've done a lot of self-help stuff too, and reading and trying to help and, and everything.
19:15 Caleb Hammer? You need to talk to a professional. Sondermine, it's our partner for guests and for the audience and for myself. You get three free therapy sessions thanks to them. Thank you, Sondermine. Please see them. And I can get you, I can get you, we'll get you a cybersecurity tech certification through CourseGurus. I think they have that for your ex so that she can get out of the [bleep] house and be an adult.
19:39 Speaker 00 She's already got the certi- certi- certificate and, and she has one of the licenses, but she still won't will enough to work to, to even go.
19:50 Caleb Hammer? So a lot of this stems from the need to get attention. Is that what we have learned? In the 20 minutes of this conversation is that we'll package all this down. Is that what we are learning? We started with the car, pumping money into a car. What kind of car in 2013?
20:05 Speaker 00 Uh.
20:05 Caleb Hammer? 2010?
20:06 Speaker 00 So that was a Chevy Avalanche and then?
20:09 Caleb Hammer? So we're pumping money into a Chevy Avalanche so that girl sees us, so that mom sees us? And you said your sister took the attention away from you too. So what was, what was up with your sister?
20:18 Speaker 00 Uh, I figure her is more of the golden child and so she's a nurse and anesthesiologist now.
20:24 Caleb Hammer? Cool. But back then?
20:25 Speaker 00 Yeah.
20:26 Caleb Hammer? Uh, were you, do you feel like you were ignored?
20:29 Speaker 00 Uh, well, because my mom basically had to be a one, a single parent, mid, taken dad.
20:34 Caleb Hammer? Yeah, that's very difficult.
20:35 Speaker 00 Yeah. And having to work night shifts to afford all three of us with the whole bail and everything and my brother.
20:40 Caleb Hammer? So you got noticed by this girl?
20:41 Speaker 00 But it's more.
20:42 Caleb Hammer? How did you meet this girl that you're, I guess, breaking up with having because she lives with your mom?
20:47 Speaker 00 Uh, yeah. Uh, that's, I met her through work as in I used to work with her at the local, uh, gas chain, QuickTrip, uh, in Tulsa.
20:57 Caleb Hammer? Yes, the local gas chain.
20:59 Speaker 00 Yeah. Well, that's where it started with Tulsa.
21:01 Caleb Hammer? Okay.
21:02 Speaker 00 I actually was suggested to her by my mother and everything. And that's like to go talk to her and stuff.
21:11 Speaker 00 She wasn't even on my radar until my mom said anything.
21:15 Caleb Hammer? Okay, we might call her on the post show. This is weird. We gotta get into these finances, man. Um, this is so such an interesting episode. Breathe out of your damn mouth. Your nose makes instrumental sounds. Okay.
21:30 Speaker 00 Okay.
21:31 Caleb Hammer? Give me where you think your finances are. Zero out of 10, zero being the absolute worst, 10 being the absolute best. Where do you think you are?
21:36 Speaker 00 Uh, zero.
21:37 Caleb Hammer? Okay, that's reasonable. If you want your hammer financial score, see where you are assessed. At, uh, uh, we'll link in the description below, which is Caleb hammer.com and you can come on the show as well. Uh, if you're as forward as this guy, definitely feel free. We'd love to have you down here in Austin, Texas. Go through the onboarding process. All the good stuff. It's a good time. Go to Caleb hammer.com slash apply, which by the way, you know, uh, we'll get you hooked up with things. So I'm, I am glad you're here. I know that's what I've been memeing on you a little and I appreciate it, but thanks for being here. Thanks for taking the trip from Tulsa. Really do appreciate it and hopefully we'll get you on the right path. Yeah. Cause that is the main goal here. Yes.
22:15 Speaker 00 Hoya. Huh? It's a saying in the military. It's just like, uh, to go with it, like, hey.
22:21 Caleb Hammer? That was a Marines thing.
22:23 Speaker 00 No, that's ooh rah. Uh, who we are is Navy or is like how I learned it. I might be just picked it up somewhere else.
22:33 Caleb Hammer? They all of them. Out of your mouth.
22:35 Speaker 00 All, all of them have a little like, let's go saying.
22:42 Caleb Hammer? M. What is M? This is a document called M.
22:45 Speaker 00 M is is mercury. Uh, it's a, it's a credit card. Uh, it was, I got it during my time at.
22:54 Caleb Hammer? You distracted me so much that I forgot to even ask you like, what hits your account on a monthly basis?
22:58 Speaker 00 Uh, my, what goes into my account monthly basis is, is 5,000 a month. Uh, and then on.
23:06 Caleb Hammer? When did you get this job? Cause I do not have that. I have a thousand eight hundred thirty nine that hits through payroll.
23:10 Speaker 00 That I got it in December. Uh, we just got a through our
23:15 Caleb Hammer? So $5,000 a month?
23:16 Speaker 00 Yeah, through our union contract, we make 2,500 every two weeks now.
23:20 Caleb Hammer? Okay, 5,000 hours a month?
23:21 Speaker 00 Yeah.
23:22 Caleb Hammer? Net?
23:22 Speaker 00 Yes.
23:23 Caleb Hammer? And now on the month, by the way, that you made 1,839, let's just say that's, I was just saying you bring in the 5,000, that's okay. Well, what did you spend in the month breathing through your mouth?
23:34 Speaker 00 Uh, it was, well, it's a, I, I doubled down instead of doing 5% or matching my company, I put 11, that's why it's eight.
23:42 Caleb Hammer? That's not calculated in your spending.
23:44 Speaker 00 Yeah.
23:44 Caleb Hammer? I'm asking how much you spent in the month that we're looking at?
23:47 Speaker 00 I would say about 22 to 2,400.
23:52 Caleb Hammer? Yeah, you spent 7,766 hours. What the are you talking about?
23:56 Speaker 00 I, I don't know.
23:58 Caleb Hammer? Obviously, have you ever made a budget in your life?
24:00 Speaker 00 No, cuz I
24:01 Caleb Hammer? Why?
24:01 Speaker 00 Cuz I've always had either something to fall back on, like the Navy and go
24:06 Caleb Hammer? Your fallback, you know, the things that came in, you know, we actually had money coming in, 6,341, 1,839 of it was your income. Guess what the rest was? Personal loan, Acorns deposit, earning dis- uh, disbursement, credit fresh funding, lending club, Cash App loan drawdown.
24:28 Speaker 00 Yeah.
24:29 Caleb Hammer? So what the are you talking about things to fall back on? You borrowed like a thousand personal loans in one month?
24:35 Speaker 00 Well, that
24:36 Caleb Hammer? All, all, all, while spending $670 going out the gate. Is that my fiance just broke up with me? I'm gonna go gorge? Miss Lady's bull, this could be video games, it can be whatever, was $929.
24:55 Speaker 00 Uh, it's, it's more along the lines like I have, I just wanna go out and eat. I, and, and I, and eating at the cafeteria at work and stuff. It'll be, cuz we're in a food desert and I don't have, and I forget to pack.
25:12 Caleb Hammer? Tulsa?
25:12 Speaker 00 Yeah.
25:13 Caleb Hammer? The entirety of Tulsa's a food desert.
25:15 Speaker 00 Uh, the, where my base is, uh,
25:17 Caleb Hammer? Your base?
25:18 Speaker 00 Yeah, the, the air, the airline base of
25:22 Caleb Hammer? We'll bleep, we'll bleep it out. What's the airline base called?
25:27 Caleb Hammer? Tulsa's like
25:30 Caleb Hammer? eight minutes to drive anywhere like this is not that big of a city.
25:33 Speaker 00 Yeah.
25:33 Caleb Hammer? Two, Aldi is not that far away. Three, Walmart's literally right next to the damn airport. Shut the up food desert. You know what a food desert is? Means they have nothing but dollar stores. Yes, there's a lot of dollar stores, but you have a Walmart right there. Shut the up. Also have an Asian market right there. A Latin, uh, Latina supermarket. I guess it's a feminine one.
25:56 Speaker 00 I'm only allowed thirty minutes.
25:57 Caleb Hammer? What are you talking about?
25:59 Speaker 00 But I'm only allowed thirty minutes to get into my car.
26:02 Caleb Hammer? You bring your damn food. What the are you talking about?
26:05 Speaker 00 That's what I was talking about is like, it's only thirty minutes. Like the whole thing.
26:08 Caleb Hammer? Bring it.
26:09 Speaker 00 Yeah. I'm not saying I'm going to. That's why I was trying to use the cafeteria is just like.
26:13 Caleb Hammer? Hey, yeah, hey, your little tit. You think when people can go and eat food every single time I eat food at home? I'm stopping at the grocery store to eat food at home. Think every time uh, someone packs a lunch here, they're going to the grocery store to get to eat their meal here? No, you go to the grocery store once or twice a week.
26:30 Speaker 00 Yeah.
26:31 Caleb Hammer? That's what it is. And you pack your food and bring it to the damn airport. You're thirty. How the if you not able to?
26:39 Caleb Hammer? Can you cook?
26:40 Speaker 00 Uh, my basic skills is rice and chicken.
26:43 Caleb Hammer? Okay, use our cookbook. We have a budget friendly cookbook. That's one of the things you get. People get it when they sign up for the app, our budgeting app. You get the budgeting app as well. Simpler money. You get the join or simpler budget. You get the join simpler money premium. So you get access to all the live sessions every week with financial professionals, the community, the mini classes. But most importantly for you, obviously, one budgeting, automatic connection to your accounts. Two, use the fucking cookbook and cook.
27:13 Speaker 00 Yeah.
27:14 Caleb Hammer? Cook.
27:15 Speaker 00 I will.
27:16 Caleb Hammer? You don't live in a food desert. That was a bad excuse because it was bullshit that I was able to call out immediately.
27:21 Speaker 00 Yeah.
27:22 Caleb Hammer? You don't know what a food desert is.
27:27 Caleb Hammer? Thank you so much to the tens of thousands of people who downloaded my budgeting app, Simpler Budget. It means a lot. So much so that we wanted to extend our offer. There is now an extra week left to get a 30-day trial to Simpler Budget with a 30-day free trial to Simpler Budget Premium and lifetime access to my new budget-friendly cookbook. On top of that, anyone who signs up for an annual membership right now or before February 14th, which is my birthday, and renews the full price will be sent a free Founder's Edition notebook upon renewal. All copies will be decked with our Founder's Edition stamp and
28:07 Caleb Hammer? the Simpler Budget logo and signed by me. Just make sure you provide us your address and your proof of purchase in the email we send you. Thanks again to everyone who's already downloaded Simpler Budget, and you can download it right now for free at calebhammer.com/app.
28:23 Speaker 00 I was just thinking for the area for around my work. I know that-
28:26 Caleb Hammer? No one goes to the grocery store to make a meal for every meal.
28:30 Speaker 00 Yeah.
28:31 Caleb Hammer? In America, at least.
28:33 Speaker 00 I should have worded that differently.
28:37 Caleb Hammer? How would you word it, given another try?
28:40 Speaker 00 Is that, um,
28:44 Speaker 00 that I just don't wanna cook. It's just like, because it's just easier, like, to be honest. And just, just go to a cafeteria.
28:52 Caleb Hammer? That's more important than being able to move out from your moms with your ex.
28:57 Speaker 00 That's why I'm here is just like, because I wanna figure out if-
29:00 Caleb Hammer? That's why you're here. There's, there it is. There's a catchphrase. It's a classic. You've seen the show. Come on, everyone says that.
29:07 Speaker 00 Yeah, just like, I'm trying to, like, put it mentally, uh, acquire it.
29:13 Caleb Hammer? Okay, use the cookbook. Use the cookbook and start making some of this. So why do we have this credit card?
29:20 Speaker 00 Uh.
29:21 Caleb Hammer? This mercury, which is at?
29:23 Speaker 00 Uh, is this that I had it for, uh, to try to help, um, keep my overall credit limit high.
29:34 Caleb Hammer? Why? But you abuse your credit limits. You just immediately it all up.
29:38 Speaker 00 Is, uh, I would.
29:39 Caleb Hammer? Oh, you're over the limit on this card. I used this to get my credit limit up. You're over the limit. What are you talking about?
29:46 Speaker 00 Well, I was paying it off and then it just.
29:48 Caleb Hammer? Oh, guess what? Doesn't matter because it's over the limit. I don't give a fuck if it was being paid off. It's not being paid off. It's not being paid off. There's no paid off.
29:54 Speaker 00 Yeah. Well, it's just because I had a, I haven't had a car payment until just two years ago. And that's why, well.
30:02 Caleb Hammer? You haven't had a car payment until two years ago?
30:04 Speaker 00 Yeah.
30:05 Caleb Hammer? You're two years ago. This is not what? What do you mean? You can change so much in two years. You got fired from a job every damn quarter. That's different.
30:14 Speaker 00 Yeah, but I kept a job for over five years. It's like.
30:17 Caleb Hammer? And then you got fired for four.
30:19 Speaker 00 Yeah.
30:19 Caleb Hammer? If you get fired from four in a row, I think fuck you is what I'd say. And leaves me to no confidence in maintaining this income. We'll make a budget around it at the end, but even still, how long does this take to pay off just the minimum of payments without purchasing on it, which by the way you do?
30:32 Speaker 00 Seven years.
30:33 Caleb Hammer? Okay, nineteen.
30:34 Speaker 00 Shut the fuck up. Yeah.
30:36 Caleb Hammer? You purchased a thousand one hundred ten on here. Fifty-eight dollars of interest over the credit limit. What the is your philosophy here? Oh, I'm a lower credit limit because I purchased the car two years ago. Fuck you. It's because you spent a thousand one hundred ten thousand at last month. What are you talking about? It's because you got a car two years ago. Excuse, excuse, excuse. Fuck you. Be an adult.
30:58 Speaker 00 Yeah.
30:58 Caleb Hammer? Yeah, go ahead and answer.
31:00 Speaker 00 This is, uh, it's just, this is, this is, uh, as.
31:07 Caleb Hammer? It's okay. Take a second. Take a second, take a drink, you're, you're a good man. I know, it's hard to get confronted with the reality for the first time in your life.
31:15 Speaker 00 Yeah.
31:15 Caleb Hammer? No one's ever done it.
31:16 Speaker 00 I mean, I understand that because I've, oh, I mean, I was paid attention to you, but I was also really coddled because of how my dad treated my mom and stuff.
31:24 Caleb Hammer? So she coddled you?
31:25 Speaker 00 Yeah.
31:25 Caleb Hammer? But I thought she didn't give you attention.
31:26 Speaker 00 I mean, she bailed me out more than three times.
31:28 Caleb Hammer? Bailed? What?
31:29 Speaker 00 Uh, I built up a loan. And, and the Navy, she paid it off. I built it up when I moved out of her house the first time. And then she paid it off and then she paid off part of it when I got married. But she, she has a good heart.
31:48 Caleb Hammer? That's why I'm, obviously, that's, that's why I'm against either.
31:51 Speaker 00 But I'm starting to see the effects. She's not going to be able to retire.
31:54 Caleb Hammer? Are you kidding me?
31:56 Speaker 00 Yes, I'm sorry.
31:58 Caleb Hammer? It's okay, there's tissues right there, but that's why I'm against debt consolidations and honestly, even, I'm not against that consolidations, but I'm against that consolidations and bankruptcy and stuff unless you fix your behavior first, because people just end up in the same situation. You didn't learn a lesson, you just had a bailout. How old is she?
32:17 Speaker 00 My mom is fifty-seven, I believe now, fifty-eight.
32:22 Caleb Hammer? Luckily, she has a little time out of sight. It's just not like crazy, but, but I mean, I don't want to really work it into her eighties. Out of your mouth. Open those lips, open those lips. Good boy.
32:37 Caleb Hammer? Ooh, ooh, so. Oh.
32:42 Speaker 00 Yeah.
32:47 Caleb Hammer? Ooh.
32:48 Speaker 00 You want to say something? I know you do.
32:53 Speaker 00 I'm, I'm, I'm ready for my beating.
32:56 Caleb Hammer? Oh, no, we don't make those jokes. In your episode.
33:00 Speaker 00 I mean, I went to a whole club for it, so.
33:03 Caleb Hammer? Okay.
33:04 Speaker 00 And I can tell you all about the other side.
33:06 Caleb Hammer? When's the last time you saw that ass?
33:08 Speaker 00 Uh, a couple of weeks ago for Christmas.
33:11 Caleb Hammer? Why? He comes around the family?
33:12 Speaker 00 No, he doesn't. I go visit him because.
33:14 Caleb Hammer? You want to?
33:15 Speaker 00 Yeah, we've had a rough time, but I also know he has.
33:19 Caleb Hammer? It's a piece of shit.
33:20 Speaker 00 Well, we've gone through that. He has some mental disorders now that he's finally gotten recognized for.
33:28 Caleb Hammer? What? I don't think people have the I hit my spouse mental disorder.
33:32 Speaker 00 Uh bipolar disorder and stuff like that.
33:36 Caleb Hammer? I know people bipolar, they don't hit, either way.
33:39 Speaker 00 He's also, he's a very, very violent alcoholic.
33:42 Caleb Hammer? Has he, there it is. I think that's a bigger play. Combined them, it obviously gets worse. But he never, he, she's never around him, right?
33:49 Speaker 00 Cause that's no, no, they're separated. They've been separated for twenty years.
33:52 Caleb Hammer? Kim, Kim, I honestly wish him, I honestly wish him the worst.
33:57 Speaker 00 Yeah.
33:57 Caleb Hammer? I, that's not.
33:59 Speaker 00 Well, he's in the worst. He, I mean, very after they separated.
34:02 Caleb Hammer? I'm a very redemption person. I'm good with pretty much redemption on anything.
34:06 Speaker 00 Well.
34:07 Caleb Hammer? Unless you like touch a kid or unless you uh beat like a spouse or pet or.
34:14 Speaker 00 Yeah.
34:14 Caleb Hammer? You know, kids, those are those, you know, those two things, there's no coming back.
34:18 Speaker 00 Weeks after uh getting separated, he had a major wreck that crushed his whole leg.
34:23 Caleb Hammer? Good.
34:24 Speaker 00 And uh he got a payout for over a hundred thousand dollars and then squandered it all.
34:29 Caleb Hammer? Kim.
34:29 Speaker 00 And I mean.
34:30 Caleb Hammer? I, I am, I never wish ill on like my enemies, even the people that like can, have like tried to like harm me in this industry and just different stuff, whatever it is.
34:39 Speaker 00 Yeah.
34:39 Caleb Hammer? Like even them, I'm not like actively wanting something bad to happen, but you do that level that he did. Kim, I hope the worst happens to him. And then that honestly sucks to have that feeling, but it is what it is. So eighty-two dollar minimum monthly payment on here and fifty cents. What were we saying? There, we were obviously on an important topic.
34:57 Speaker 00 We were over the limit and we were uh, we were spending over a thousand one hundred.
35:02 Caleb Hammer? Yeah, you, why are you doing this? Because you said, you said it's because I got a car two years ago. That's objectively incorrect. You put half your balance on just this last month.
35:10 Speaker 00 Right now, it's.
35:12 Caleb Hammer? I, what we're talking about.
35:14 Speaker 00 Uh, it says, I like to use the, the little split four payments on these credit cards to uh pay for.
35:20 Caleb Hammer? Yeah, zip, pay later, zip, pay later, zip to installment, zip at pay later.
35:24 Speaker 00 For pay for fishing and stuff is this like my.
35:28 Caleb Hammer? Fishing?
35:29 Speaker 00 The tug is the drug, man. I can't.
35:30 Caleb Hammer? And the tug is the drug.
35:33 Speaker 00 If, if, if you've ever been a part of the, that guy.
35:35 Caleb Hammer? I bet you're a part of the tug community, especially now with her gone.
35:39 Speaker 00 No, I, I, I try to have something else do that for me.
35:42 Caleb Hammer? Something else?
35:44 Speaker 00 Yeah.
35:46 Speaker 00 Well, I don't know how much I can share on that, but.
35:50 Caleb Hammer? You can share as much as you want, but I'm curious because you didn't say someone else.
35:55 Speaker 00 Uh, well, I mean, there's like machines that can do it, or.
35:59 Caleb Hammer? It's not, you're not using like a fish, are you?
36:01 Speaker 00 No, I'm not using a fish.
36:05 Speaker 00 But no, it's like, uh, those auto blowers or.
36:10 Speaker 00 Or if you ever know the place called. Dot com.
36:14 Caleb Hammer? Yeah. What is that?
36:16 Speaker 00 Yeah, it's a, you know.
36:18 Caleb Hammer? Is that a hookup site?
36:19 Speaker 00 Well, kinda, it's, it's where you go for like, um, massage parlors and stuff like that.
36:25 Caleb Hammer? You're admitting to a crime. You're admitting to a crime, stop!
36:30 Speaker 00 I've never actually done it, it's just.
36:32 Caleb Hammer? Why would you bring it up?
36:34 Speaker 00 But.
36:34 Caleb Hammer? You know it.
36:35 Speaker 00 But I've always been interested in it, but I always know.
36:38 Caleb Hammer? Oh, we know you have, there's no way you haven't.
36:40 Speaker 00 I have.
36:41 Caleb Hammer? There's no way, you're using machines?
36:44 Speaker 00 Just, I'd rather use a machine sometimes, because we don't have to pay for it, have to pay for all the extra.
36:54 Caleb Hammer? Where are we?
36:56 Speaker 00 And I'm too afraid to be somebody's bottom ditch in prison or something.
37:02 Caleb Hammer? You spend money at McDonald's and shields, some bull target probably, more shields, Popeyes, you went into QT, couldn't stay away after you left there, or you were trying to see the missus almost, and.
37:20 Caleb Hammer? Got some bull from there.
37:21 Speaker 00 Yeah.
37:24 Caleb Hammer? Fifty-eight hours of interest in just, you know, a month. Last year, five hundred thirteen dollars breathed from your mouth.
37:31 Caleb Hammer? Thirty-one point four nine percent interest rate on this card.
37:36 Speaker 00 Not the best.
37:36 Caleb Hammer? Well, ladies and gentlemen, we made it through one card at forty minutes.
37:42 Caleb Hammer? How can you not breathe through your mouth normally?
37:46 Speaker 00 Because I've gotten in a lot of fights and stuff where a lot of my structure is broken up.
37:51 Caleb Hammer? Who are you fighting?
37:53 Speaker 00 Uh, I got in fights in like middle of school, high school and uh, defending against for being bullied and stuff.
38:01 Caleb Hammer? Really?
38:01 Speaker 00 Yeah.
38:02 Caleb Hammer? That's really sad.
38:03 Speaker 00 Because I don't have a filter. I'll say that.
38:05 Caleb Hammer? Well, you do have to learn that. I don't have a filter, but I also know how to not get myself shot.
38:10 Speaker 00 Yeah, I've learned that too now.
38:15 Caleb Hammer? All right, Navy Federal. What's going on here, my dude?
38:18 Speaker 00 Uh, which part is I'm?
38:20 Caleb Hammer? The credit card.
38:21 Speaker 00 Oh, credit card. Uh, it's a closed one that I bought, got in.
38:26 Caleb Hammer? This isn't closed, man. This is accruing. Oh, the card's closed.
38:30 Speaker 00 Yeah.
38:31 Caleb Hammer? But it's not sent to collections.
38:32 Speaker 00 Yeah, no, it's never been sent to collections. It's been closed voluntarily.
38:38 Caleb Hammer? Good. Thank. What's the credit? How long does this take to pay off, do you think? Minimum monthly payment, which is uh.
38:44 Speaker 00 Eight thousand dollars or so right now.
38:46 Caleb Hammer? Eight thousand forty-one.
38:47 Speaker 00 It would probably take like fifty years, uh, my guess.
38:51 Caleb Hammer? Twenty-four.
38:53 Caleb Hammer? Eight thousand forty-one dollars and sixty-three cents. Minimum monthly payment, one eighty-four, sixty-nine.
39:04 Speaker 00 I'm trying my best, man.
39:06 Caleb Hammer? Yeah, you just sound like you're just dying. That's my concern is do we need to call a hospital? I don't know how much the mic is picking up. Never had someone die on set. And if we do, it's probably gonna be me. So like.
39:17 Speaker 00 Oh, my insurance will pay for all the rest of this stuff.
39:20 Caleb Hammer? To who?
39:21 Speaker 00 To, well, beneficiary is my current wife.
39:26 Caleb Hammer? This is huge for financial audit. For a year now, my team and I have worked with experts to create what I truly believe are the three best educational programs in the financial space online. We have our budgeting program where I teach you how to create, manage, and revolutionize your budget and control your money. And then there's the investing program where I teach you to define what investing profile applies to you and your life and then teach what specific. Investing strategies applies to you in that situation. And now finally, we have our debt program where I teach you the best ways to pay off debt, manage debt, and even take advantage of good debt. This has been a revolutionary project that we've been working on for over a year now. And just like over 10,000 people who've already taken our educational programs,
40:11 Caleb Hammer? you can now take advantage of all three of them bundled together at a 15% discount. I've heard from thousands of people now who've taken these classes and they've literally changed their lives for the better. And finally, you can too at a more affordable price. Head to Calebhammer.com or click the link in the description below. You will not regret this. I thought you said engaged. I thought you said fiance. Did I mishear that? Oh, fuck me.
40:38 Speaker 00 Yeah, I said.
40:39 Caleb Hammer? Why would you guys get married?
40:40 Speaker 00 It was in February 22nd of 2022.
40:46 Caleb Hammer? What? No. When did? No, no, no, no, that's when you guys said you got together.
40:51 Speaker 00 No, I got, we took out together during COVID and stuff like 2021.
40:56 Caleb Hammer? Okay. So you guys were actually together for a couple of years, almost three years.
41:00 Speaker 00 Yeah, three years.
41:01 Caleb Hammer? Was it a good marriage?
41:03 Speaker 00 It was a first good two years. We still had our spouts and stuff.
41:07 Caleb Hammer? Was she, would she call it a good marriage?
41:10 Speaker 00 Hmm, I'd say halfway decent. She said she'll recommend me to the next. That's, she said she would recommend me to the next girl.
41:19 Caleb Hammer? I don't know what the credit limit on here is. I guess the credit limit's nothing now, but. Um, okay, yeah, that's $8,041, man, with $104 of interest accrued on a monthly basis.
41:31 Caleb Hammer? $1,355,000 of interest accrued last year. A late payment fee! Why? Why? This one's closed. You're not purchasing.
41:39 Speaker 00 I tried to send you one that was, had the late fee. I was trying to.
41:42 Caleb Hammer? Well, I'm glad you didn't because now you're getting called out. What, you want to get off? You're not going to get off easy like that. This isn't fucking sloppy maps or whatever you call the sloppy mop. Wow.
41:56 Speaker 00 I should, I know I have a problem. I even had it where, I mean, going back to the relationship, I was like, I did too. I asked for a small loan of like fifty bucks to put a down payment on a layaway for a toy gun.
42:10 Caleb Hammer? To who?
42:11 Speaker 00 To-
42:11 Caleb Hammer? A toy gun?
42:12 Speaker 00 Yeah, it's like airsoft is my big hobby then.
42:15 Caleb Hammer? Wait, how old are you?
42:16 Speaker 00 Thirty.
42:17 Caleb Hammer? Airsoft?
42:18 Speaker 00 Yeah.
42:20 Caleb Hammer? It's for sixteen year olds?
42:21 Speaker 00 Well, me, yeah, a lot of me and my buddies like to do it. It was very good to-
42:25 Caleb Hammer? You have a good friend group?
42:26 Speaker 00 Yeah, I did.
42:27 Caleb Hammer? Good. Oh, did what is did?
42:29 Speaker 00 Uh, one friend went and get his life together, so we cut him out.
42:33 Caleb Hammer? Yeah.
42:35 Speaker 00 Well, he, he went.
42:37 Caleb Hammer? Wait, what does that mean? One person-
42:42 Speaker 00 He's a, he's one of the, he's one of the-
42:44 Caleb Hammer? Shut up, shut up, shut up. I, I need to talk through this. Oh, one of my friends in my friend group decided to become a better person, so we cut them out.
42:56 Speaker 00 Oh, it's not a better person. I swear to you on that one. He, he's one of those like pick me boys like, hey, and he, he, he posts like depressed stuff like, hey, I'm like, oh, like he, he like-
43:11 Caleb Hammer? Hey, I'm whole.
43:12 Speaker 00 Hey, uh, I'm having a bad day or like, I don't want to get hurt again, so I don't want to get this. So I don't want to ask this girl out. I'm like, oh my God. And you just see this on like Snapchats, TikToks of all his and you're just like, hey man. And they constantly ask borrow money from us and we are like, we have the-
43:31 Caleb Hammer? Stop talking, please.
43:37 Speaker 00 And he had a, he had a better job than me.
43:40 Caleb Hammer? So what did he do?
43:42 Speaker 00 He, he was a line technician.
43:43 Caleb Hammer? So what did he do that made you guys kick him out?
43:45 Speaker 00 Uh, he kept getting boo hooey and asking for money.
43:48 Caleb Hammer? Boo hooey, okay.
43:49 Speaker 00 Yeah, so every time he got with a relationship.
43:52 Caleb Hammer? So that's him trying to get his life better. It's him asking for money from you guys.
43:55 Speaker 00 Yeah, well, no, we would give him the money. He would spend it on like airsoft or something really ridiculous. And not use it.
44:03 Caleb Hammer? You recognize it's ridiculous.
44:04 Speaker 00 Yeah, oh yeah, true. Everything I've done so far has been ridiculous. I think I would thought, I'm gonna be honest, I always thought my twenties was just be the around moment and then I'll get together my thirties.
44:14 Caleb Hammer? A lot of people it is, but obviously you're not.
44:17 Speaker 00 Yeah, I hit thirty before I could fix it.
44:22 Caleb Hammer? And the rest of your friends, you have a good support system and good friend group?
44:25 Speaker 00 Yeah.
44:26 Caleb Hammer? Okay, so when you, when you said I did, you meant you only kicked out that?
44:30 Speaker 00 Yeah, the, the, the, yeah.
44:38 Speaker 00 The other ones are really nice. The other one just bought his first house, so.
44:41 Caleb Hammer? Good for him.
44:44 Caleb Hammer? What is, I've never heard of Credit Fresh.
44:46 Speaker 00 Credit Fresh is a line of credit. It's instead of like a credit card, you ask for draws to thing. Because I was trying to keep my accounts from overdrafting. I thought it'd be good to, uh, and trying to get it out.
45:01 Caleb Hammer? Well, you didn't even ask my past question. Why was there a late fee on that past card?
45:06 Speaker 00 Uh, I forgot about it. I didn't, I didn't, this is my first time that I've had a late fee in, in doing this. It's just, I just forgot about it.
45:17 Caleb Hammer? You overdraft.
45:20 Speaker 00 Yeah.
45:20 Caleb Hammer? You're drawing this loan out so you don't overdraft. Probably to make the payments, so you're not late. So you're borrowing debt in order to not be negative when you're checking your account in order to pay your minimum payments to your debt.
45:30 Speaker 00 I recognize I'm a Rob Peter, save Paul kind of pay Paul person. And it's not, it's not working. It just keeps digging and digging and digging. And it's like, I mean, I really just wanted to like, I just wanna like,
45:47 Speaker 00 I just wanna be like,
45:50 Speaker 00 just go out and, and not worry. And then I can just worry about it at home when I'm not doing anything. I, just keep posting it off because,
45:59 Caleb Hammer? I asked you a question.
46:00 Speaker 00 Shoot, like next week I might die.
46:02 Caleb Hammer? Yeah, but on the statistical likelihood that you're not, why not sacrifice today for the better future? If you die, you won't know that you have sacrificed. You don't, you won't know that you missed fun. Cause you're dead. So who cares? And breathe out of your mouth. If you keep breathing on your nose like that, I'll make you die right now. So, okay.
46:22 Speaker 00 We could do an NGO.
46:23 Caleb Hammer? Can I ask you a question? Your philosophy?
46:25 Speaker 00 Yeah.
46:26 Caleb Hammer? Versus your goals here. Is it working?
46:29 Speaker 00 No.
46:29 Caleb Hammer? So stop!
46:30 Speaker 00 Yeah.
46:31 Caleb Hammer? I will never understand the, this is what I want, but this is what I do because. So change it! Change it!
46:39 Speaker 00 Yeah, hedonism isn't for me.
46:41 Caleb Hammer? Huh?
46:41 Speaker 00 Hedonism is not for me.
46:43 Caleb Hammer? So it's a thousand five hundred thirty eight dollars with a fifty three dollar minimums payment. What is the interest on here?
46:50 Speaker 00 A hundred and thirty eight percent.
46:53 Caleb Hammer? No.
46:54 Speaker 00 Yeah, it's.
46:55 Caleb Hammer? Why are you still taking money from this? Cause you just drew a hundred twenty five and then a hundred and then eight ninety. And then seven fifty in one month, one month, three draws.
47:08 Speaker 00 Uh, to keep, um, I really needed some like.
47:13 Caleb Hammer? That much? How are you that far down?
47:15 Speaker 00 Some, some, so I can't, they don't give me the tools. I have to.
47:18 Caleb Hammer? Huh?
47:19 Speaker 00 At work, I have to have.
47:20 Caleb Hammer? Oh, don't tell me.
47:21 Speaker 00 I have.
47:22 Caleb Hammer? Oh, you're not one of those.
47:24 Speaker 00 Well, I have.
47:25 Caleb Hammer? Get it.
47:26 Speaker 00 I have a minimum equipment list I have to have.
47:28 Caleb Hammer? I know, but what did you do to get it?
47:30 Speaker 00 Uh.
47:30 Caleb Hammer? Did you get any used tools?
47:32 Speaker 00 No.
47:32 Caleb Hammer? Uh huh.
47:33 Speaker 00 I didn't, I, I wasn't able to get used tools because there was a lot of problems going at the time.
47:37 Caleb Hammer? How the fuck do you mean a lot of problems? Was nine eleven happening? I don't think so.
47:40 Speaker 00 No, it's just.
47:41 Caleb Hammer? So it was okay.
47:42 Speaker 00 Because with my situation with my mom, uh, and everything, I couldn't ask her for extra money to try to.
47:49 Caleb Hammer? How does that?
47:49 Speaker 00 Because I needed a toolbox and everything to go down to OKC and OKC already accepted my offer and.
47:55 Caleb Hammer? Okay, but you could like personal loan or even credit card.
47:59 Speaker 00 Yeah, but I didn't have the credit score to do that.
48:02 Caleb Hammer? You're drawing on here.
48:04 Speaker 00 Yeah.
48:05 Caleb Hammer? So you had.
48:05 Speaker 00 I needed like almost five, six thousand dollars in tools.
48:09 Caleb Hammer? Yeah. What would it have been used? Have you looked? Have you even shopped? Do you know?
48:12 Speaker 00 I tried getting used tools. My brother in law actually offered me his uncle's try to get, try to get his deceased uncle's tools. But it just, I couldn't get them in time for.
48:24 Caleb Hammer? Couldn't get them in time, buddy, buddy.
48:27 Speaker 00 Cause the, cause, cause I had to get it in. I just got the offer in May.
48:32 Caleb Hammer? I understand that.
48:33 Speaker 00 Go in June. So I had to get a toolbox and everything.
48:37 Caleb Hammer? This current, oh, for the other.
48:39 Speaker 00 For OKC.
48:40 Caleb Hammer? For the job that you got fired from after the three jobs you got fired from before this job that you're gonna get fired from. Right. Okay, that's.
48:46 Speaker 00 I'm not gonna get fired from this one, I swear.
48:48 Caleb Hammer? Well, so far statistically, I'm not living up to that, I'll be honest. Okay. Great. So you're one of the tool debt guys, really collecting the financial audit and infinity stones.
49:03 Speaker 00 Yeah, but I haven't, I mean, I've at least paid the truck off. But not the, but not the, the, so.
49:11 Caleb Hammer? Oh, the tool truck, the sexy little tool truck where the dude comes out with his nips and it's like, ew. And you're like, buying all the tools in a million percent.
49:19 Speaker 00 Yeah, and but once I actually started getting the money coming in and whatever tools I needed, I went to like Northern Tool and Harbor Freight and all them for the rest of the stuff. But my minimum stuff I had to feel like I had to finance.
49:33 Caleb Hammer? There's a big.
49:36 Caleb Hammer? Well, um, bad debt, that one ally. Let's see.
49:42 Caleb Hammer? Yeah. Oh, no. Twenty nineteen Hyundai Veloster. One, I've never even heard of that car. Two, you're getting fired from jobs left and right during this time. So what the?
49:50 Speaker 00 That's actually how I got.
49:52 Caleb Hammer? Three, you owe thirty one thousand nine hundred nineteen dollars and forty cents. Four, how much do you think it's worth?
50:00 Speaker 00 Hmm, I think the last check I was a thirteen thousand.
50:03 Caleb Hammer? Twelve thousand, twelve thousand five hundred on a thirty one thousand nine hundred nineteen dollar loan. What is the interest rate on this loan?
50:11 Speaker 00 Sixteen point nine nine.
50:14 Caleb Hammer? Why have you done this to yourself? I will not understand.
50:17 Speaker 00 Because the car that I had no payment on, uh, I had fixed the alternator, had fixed, uh, ball joints and everything out of it. And I finally started and finally getting out electrical issues with the starters and, and not cooperating.
50:32 Caleb Hammer? Cool, cool, cool. So what did you purchase this car for?
50:35 Speaker 00 Uh, I'd of want more so than.
50:39 Caleb Hammer? No, no, no, no, no, no, no. What price?
50:42 Speaker 00 Thirty six thousand.
50:43 Caleb Hammer? Cool. So there was nothing between the zero dollar car and the thirty six thousand hour car. There was nothing. There was no cars available. There was certainly nothing we could do.
50:50 Speaker 00 I.
50:51 Caleb Hammer? There was nothing.
50:52 Speaker 00 No matter what, I was gonna go underneath for any car that I was gonna go.
50:55 Caleb Hammer? I'd rather you be underneath on a ten thousand hour car, ten thousand hour loan than a thirty thousand hour loan. Are you fucking, what are you talking about? You're fixing, we're trusting you to fix planes and you don't realize that that's a big difference? Come on.
51:08 Speaker 00 Yeah.
51:08 Caleb Hammer? No wonder you think you live in a food desert with a Walmart next door. What are you talking about?
51:12 Speaker 00 It's it's more like it's a car I've always wanted like and I
51:17 Caleb Hammer? Always wanted so we do it when we're a hundred thousand dollars in debt?
51:21 Speaker 00 It was a hundred thousand.
51:22 Caleb Hammer? Bad debt, no mortgage.
51:23 Speaker 00 It was a hundred thousand back then. I mean, I was, I only had one card back then and stuff. And that was
51:30 Caleb Hammer? Did you meet your Moi fish?
51:34 Speaker 00 Uh, before I've got that car? No, I got
51:36 Caleb Hammer? You got this alone.
51:38 Speaker 00 We're actually co borrowers on that car and now we're separating. So that's
51:42 Caleb Hammer? What did you put down?
51:44 Speaker 00 Nothing.
51:45 Caleb Hammer? With the amount of interest that accrued on this car, man, because of how the S and P five hundred has done over these past few years, it just literally had its best year in the millennium. This last year, man, if I opened up my brokerage that I personally use Mu Mu and I bought into the S and P five hundred around then. Instead of this thirty thousand dollars, thirty six thousand dollars that I'm paying interest to, I that you would have just made so much. This is just, it's just so against you. This is not productive and now you're dramatically underwater. Everything's, did you have retirement?
52:15 Speaker 00 Uh, I have my four one K.
52:17 Caleb Hammer? How much?
52:18 Speaker 00 Uh, six hundred dollars and and a hundred dollars in investments. I mean, what's the dream of like having the car you've always wanted since you were a kid?
52:29 Caleb Hammer? I'm down with it.
52:31 Speaker 00 It's just like, I mean, you have a
52:32 Caleb Hammer? I'm down with it.
52:33 Speaker 00 A Tesla Y.
52:34 Caleb Hammer? You did it just because
52:35 Speaker 00 Which is one of the more premium.
52:36 Caleb Hammer? I will answer your question because you asked it. Uh, would you like to hear the answer?
52:40 Speaker 00 Yes, sir.
52:41 Caleb Hammer? Cause I could afford it. You couldn't afford this.
52:45 Speaker 00 Yeah, I I was
52:47 Caleb Hammer? We get the car we can afford.
52:48 Speaker 00 Is before my grandpa died, I was the one asking him for money to buy, get this car.
52:53 Caleb Hammer? Am I in a privileged position? Absolutely. Absolutely. So I was able to get the car that I wanted to and it was really cool and I'm very blessed for that. And I'm sorry that you could not afford the car that you wanted, but math is math is math and we live in the real world and you're not coddled. And we don't get to the end of life in a better way throughout life. Everyone just goes around you and says, oh, I wish you could have got to call you that we wish you would get. That's not how our society and culture works. No one helps you if they, if they're gonna baby you. No one helps you if they're just gonna fuck coddle. So guess what, dude? You couldn't afford this, even if it was your dream car. So you don't get it. I'm sorry. That's the way the world works. I'm sorry. Because now you fuck yourself. You have fucked yourself.
53:35 Speaker 00 I will, I will fuck myself. I'll take it right out of me.
53:40 Caleb Hammer? Huh?
53:41 Speaker 00 I'm I'll be I will un myself. This.
53:45 Caleb Hammer? You will? You will?
53:48 Speaker 00 I will. Sorry. I have a slight twang. Uh, I will, I will. It it when I get nervous, I start doing that.
53:56 Caleb Hammer? Okay, good. Try to say what you're trying to say.
53:58 Speaker 00 I will un myself.
54:00 Caleb Hammer? Okay, go ahead. How? Because the debt only has been going up and you missed payment on one of the cars we looked at? And you're above the credit limit on the other one and you're dramatically underwater by two thirds on this car.
54:09 Speaker 00 Because I have a guaranteed contract to go one hundred and fifty thousand in five years.
54:13 Caleb Hammer? Hundred fifty thousand? But what if they fire you? What's the buyout? Is there a buyout of the contract?
54:17 Speaker 00 No.
54:18 Caleb Hammer? Then what the?
54:19 Speaker 00 The only severance I get is is.
54:21 Caleb Hammer? So there is no real guarantee. You're just saying if you stay there. So shut the up, buddy. As someone who's been fired from the last four jobs, statistically, you are not lining up correctly for this.
54:30 Speaker 00 I have a.
54:33 Speaker 00 Nah.
54:34 Caleb Hammer? Okay. Take your time.
54:37 Speaker 00 I haven't been fired from the last four jobs. I've only been fired from that job. I have picked up another aviation job in between those. For prop aviation.
54:46 Caleb Hammer? I'm not much of a car gun. I'll be honest. I'm more go for the technology. That's why I went for the Tesla. I know, oh, Tesla, uh. I know. Everyone loves it when I mention it, but. It's like, uh, like I just go for the technology. I really don't get it. Why is this your dream car? This doesn't seem uh, like anything to me.
55:03 Speaker 00 Well, after.
55:05 Caleb Hammer? Put a picture up of a twenty nineteen Hyundai Veloster.
55:08 Speaker 00 Uh, spec in.
55:10 Caleb Hammer? Huh?
55:10 Speaker 00 In spec. It's a special edition. It's for, uh, it's for track use mostly.
55:17 Caleb Hammer? Right, which I'm sure you're doing all the time. What's it zero to sixty?
55:21 Speaker 00 Uh, it was like three or four seconds. Uh, with a top out of.
55:27 Caleb Hammer? It's a normal fast car. Okay.
55:29 Speaker 00 Yeah. It's just, it's just.
55:32 Caleb Hammer? Okay.
55:32 Speaker 00 It's more the specs on like how it fast on the nerbeering.
55:35 Caleb Hammer? It's not worth being in your life. That's sixteen percent interest. What's the term length on this? Because you've barely made any progress. I, I, have you missed payments?
55:44 Speaker 00 No.
55:45 Caleb Hammer? Have you put payments to the back of it? Like, you've made no progress in that. Wait, when did you buy this?
55:50 Speaker 00 Twenty twenty-two, twenty twenty-three.
55:52 Caleb Hammer? You've made no progress on those. Twenty twenty.
55:55 Speaker 00 Yeah, twenty twenty-three. That was it. It was December, so it would only be a year and now.
56:01 Caleb Hammer? Okay, Capital One quicks over.
56:04 Caleb Hammer? What's up with this? What are we gonna learn from this? Cause every single one of these so far.
56:09 Speaker 00 It started out as a 750 card and I was like, I can't do this. So I cut it down in half so I can pay it off every time.
56:18 Caleb Hammer? Huh? Okay. So what's going on?
56:22 Speaker 00 I'm still not paying it off. Um, um, because I know.
56:26 Caleb Hammer? You paid actually a big payment towards it, but then you spent a thousand four hundred thirty one dollars. Easy. Thirty one dollars.
56:32 Speaker 00 Yeah.
56:33 Caleb Hammer? What? Wait, how can you spend a thousand four hundred thirty one dollars with a credit limit of three hundred fifty dollars?
56:37 Speaker 00 Cause I cut it down.
56:40 Caleb Hammer? Oh, well, there is a balance of three forty right now. So basically maxed out and three cents with a minimum payment of twenty five dollars. What the fuck is happening here?
56:47 Speaker 00 It is.
56:48 Caleb Hammer? Oh, it's all bullshit. There's not a single necessity on here. It's all just highlighted lines.
56:56 Speaker 00 Yeah, yeah. I'm, yeah, I'm, but it's.
56:59 Caleb Hammer? What?
57:01 Speaker 00 I'm self-deprecating. I try, I put myself down when I'm like.
57:04 Caleb Hammer? What'd you say? You just made a sound.
57:05 Speaker 00 I'm a, I'm a dumbass. This is what I said. And I was like, uh.
57:09 Caleb Hammer? You're a dumbass.
57:09 Speaker 00 Yeah.
57:10 Caleb Hammer? In your actions and others in life, maybe not, but this is the dumbassery of a statement.
57:15 Speaker 00 Yeah.
57:16 Caleb Hammer? This is a credit card that is maxed out. That is accruing interest. What the fuck are you doing? You're going Macto Cool, Macto Tools. Hundred twenty three dollars and Whataburger going in a gas station, getting some BS. What's Imperial?
57:29 Speaker 00 It's the, I'm basically owned by the, uh, the, uh, what are those things? Vending machines. I.
57:37 Caleb Hammer? They're owned by the vending machines?
57:39 Speaker 00 Basically owned by the vending machines. I like to get like my breakfast and stuff out of them.
57:43 Caleb Hammer? Your breakfast from a vending machine? What a way to start the day.
57:46 Speaker 00 Yeah, it's the.
57:47 Caleb Hammer? What do you get from a vending machine for breakfast?
57:50 Speaker 00 A pop tart maybe, or sometimes there's.
57:52 Caleb Hammer? You know, they have those at Walmart where you work right next to it on cheaper. You know, they also have cereal at Walmart where you work, where it's close to work that is cheaper.
58:01 Speaker 00 Uh, it's just convenience of me being like.
58:04 Caleb Hammer? They would be more convenient to grab a pop tart, eat it on your fucking car ride.
58:08 Speaker 00 Yeah.
58:08 Caleb Hammer? I don't know what you're talking about.
58:10 Speaker 00 Yeah.
58:11 Caleb Hammer? So you pass many grocery stores on the way.
58:14 Speaker 00 Yeah, I do, but it's just.
58:18 Speaker 00 Oh, don't do me like that.
58:19 Caleb Hammer? Buddy, come on. Of course I'm gonna do that. You said you lived in a food desert. That's a certified.
58:25 Speaker 00 My work.
58:26 Caleb Hammer? But it's also not correct.
58:28 Speaker 00 Is my food desert.
58:29 Caleb Hammer? But it's also not correct. Buy a food desert? I don't care if it's buy if it's in. It's not. I looked at the map.
58:35 Speaker 00 Yeah.
58:39 Caleb Hammer? Alright, well, vending machine, vending machine, vending machine, uh, working at, uh, just the, uh, the eatery. Oh, McDonald's going in, getting some BS vending machine, vending machine, McDonald's, vending machine, vending machine, McDonald's, vending machine, resers?
58:54 Speaker 00 Mm-hmm. The resers is our local, uh, is our food, is our food supermarket. I go there to get stuff to make like jambalaya and stuff like that for the family and everything.
59:05 Caleb Hammer? Food desert.
59:06 Speaker 00 I cook, yeah, I cook for the family sometimes.
59:09 Caleb Hammer? Food desert.
59:11 Caleb Hammer? Water burger. Returned mobile ACH payments? A returned ACH payments? Returned? I didn't have enough fucking money. What happened?
59:20 Speaker 00 Because I don't, uh, it's just.
59:22 Caleb Hammer? McDonald's.
59:25 Caleb Hammer? Tackling outdoor, yeah, for your little fish.
59:27 Speaker 00 Yeah.
59:27 Caleb Hammer? Tackling outdoors. Stop, buddy. You can't afford that hobby, obvi-.
59:31 Speaker 00 Obviously.
59:33 Caleb Hammer? Obviously, just swim, okay? Catch them with your mouth. One Korean barbecue and hot. One Korean, is that one of your place on your special map?
59:43 Speaker 00 Yeah.
59:43 Caleb Hammer? The little rub map?
59:44 Speaker 00 Uh, no, that's actually a Korean barbecue place that me and my wife go for special occasions.
59:50 Caleb Hammer? Special?
59:50 Speaker 00 Yeah, well, not, well, maybe special.
59:53 Caleb Hammer? Go inside the gas station, got some BS, go inside the gas station, get some BS, go inside the gas station, get some BS.
59:58 Speaker 00 Period services.
59:59 Caleb Hammer? It's just like. Vending machine, acto tools, brewing.
1:00:04 Speaker 00 A minute away.
1:00:04 Caleb Hammer? Got some stuff and some BS. Stop at a gas station, got some BS. Stop at a gas station, got some BS. Slim's barbecue, stop at a gas station, got some BS, and an action restaurant for seventy dollars.
1:00:14 Speaker 00 Yeah, I mean, if you don't.
1:00:15 Caleb Hammer? Wait, why the fuck are you going with your wife? She broke up with you.
1:00:18 Speaker 00 Well, because we're still on good standing. We're real, we're still best friends. And we, we hang out.
1:00:23 Caleb Hammer? Also, she lives with your mom with cockroaches. Why do you live there making so much money? I'm so confused.
1:00:27 Speaker 00 We.
1:00:28 Caleb Hammer? I don't get this whole situation. It's fine. It's paper, buddy. The, he broke the chair.
1:00:35 Caleb Hammer? It's a habit to break the chair?
1:00:36 Speaker 00 No, it's a habit of like, oh, something dropped. Because if you're working on-
1:00:41 Caleb Hammer? Like the planes out of the air that you work on?
1:00:43 Speaker 00 Yeah, if you drop something, you want to make sure it doesn't get left behind.
1:00:46 Caleb Hammer? Let's prevent it from dropping next time. 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,
1:01:31 Caleb Hammer? and that number is only going to continue to grow. 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 Namso, 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,
1:02:15 Caleb 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.
1:02:37 Speaker 00 Yeah, but it's just, we're still on good standing. And also, it was at the time, like, I just didn't want to leave her-
1:02:43 Caleb Hammer? Why do you still live there?
1:02:46 Speaker 00 Because after I lost my job in OKC, every other job was to come back home, because Tulsa's a much bigger-
1:02:55 Caleb Hammer? Cool. Why do you live at home though?
1:02:57 Speaker 00 Uh, because I want to get a down payment ready for to buy my.
1:03:02 Caleb Hammer? Are you really gonna get a house? I'm a little nervous for you to have the responsibility of owning a house.
1:03:08 Speaker 00 I'm, I'm gonna buy my grandpa's land. Yeah, it's in Bigsby. It's in.
1:03:15 Caleb Hammer? How far away from that, from the airport?
1:03:17 Speaker 00 Uh, thirty minutes.
1:03:18 Caleb Hammer? You're really not gonna cook out there was the closest grocery store to?
1:03:21 Speaker 00 Uh, fifteen minutes to Glenpool. Uh, actually Bigsby is sprawling out, so I think if I buy that land, it'll actually.
1:03:29 Caleb Hammer? That'd be great. What do you need? Who owns it?
1:03:31 Speaker 00 My grandma. It's fully bought out.
1:03:33 Caleb Hammer? And she wants to sell it to you?
1:03:34 Speaker 00 She's says she's gonna sell it this year.
1:03:37 Caleb Hammer? Why doesn't she do owner financing to you and just like?
1:03:40 Speaker 00 She wants me to, she wants whoever is gonna get it is to get a loan, so she's.
1:03:44 Caleb Hammer? So it's a race between family members. It's a race?
1:03:48 Speaker 00 Uh, none of my family members make any money.
1:03:50 Caleb Hammer? Well, I grew. Your sister does well.
1:03:53 Speaker 00 My, my, uh, they're, they're, they're half siblings. They're not from my dad's side of the family. It's, it's very complicated in that weird world.
1:04:03 Caleb Hammer? Not really.
1:04:04 Speaker 00 It's just.
1:04:04 Caleb Hammer? They're your half siblings.
1:04:05 Speaker 00 Yeah, but they're not in like, they get upset if I say they're half siblings, so I just call my brother and sister.
1:04:13 Caleb Hammer? Cause they probably just view you as your brother, as the.
1:04:15 Speaker 00 Nobody else in my.
1:04:16 Caleb Hammer? So what is this? She wants someone to take out a loan, so you're just trying to get enough money down to qualify for a loan?
1:04:22 Speaker 00 Yeah, well, I also get the.
1:04:23 Caleb Hammer? How much money?
1:04:25 Speaker 00 Technically, I won't need any money for.
1:04:27 Caleb Hammer? How much is she wanting for the house, you fuck?
1:04:31 Speaker 00 I think she wants about a hundred and fifty, two hundred thousand.
1:04:34 Caleb Hammer? Okay, so what are you trying to save up for a down payment, even though you get the VA loan?
1:04:37 Speaker 00 Because it puts skin in the game.
1:04:41 Caleb Hammer? I've said how much?
1:04:43 Speaker 00 Oh, uh, I, I want about five percent in before.
1:04:48 Caleb Hammer? She wants to sell it for exactly. You gave her range. Well, she doesn't have a number?
1:04:52 Speaker 00 She doesn't have a number yet.
1:04:53 Caleb Hammer? So what are you gonna do? Then a hundred fifty, is that what you're saying?
1:04:55 Speaker 00 Yeah.
1:04:57 Caleb Hammer? So seven thousand five hundred, we can get there, we can get you there in two seconds. But you shouldn't get a house without a fully funded emergency fund. You shouldn't get a house without having all this bad debt paid off. You have over, if you get a mortgage for like a hundred fifty thousand dollars, it's almost equal to all your bad debt added up.
1:05:11 Speaker 00 The emergency fund should come after debt. That's what the, that's what the money of order of operations says that.
1:05:17 Caleb Hammer? Yes, I said, don't get a house until you have an emergency fund or until you're out of debt.
1:05:21 Speaker 00 I misunderstood, I'm.
1:05:22 Caleb Hammer? Yeah, it's okay. Maxco tools.
1:05:27 Speaker 00 I don't even know what technically the interest is on that.
1:05:29 Caleb Hammer? Great.
1:05:30 Speaker 00 Uh, it's like sixty, or it's like five years worth of weeks. Cause they do it by the week and then they don't tell me the interest, they just tell me the payment.
1:05:40 Caleb Hammer? Looks like thirty two percent interest rate.
1:05:46 Speaker 00 Wow.
1:05:49 Speaker 00 That was close to my calculation. When I did it at home.
1:05:52 Caleb Hammer? Balance, well, well, maybe not though. I mean, the balance has gone up. So I was calculating off that. Why, why, why has the balance gone up?
1:05:59 Speaker 00 Uh, that should just be a quarterly statement. They only send it out every.
1:06:02 Caleb Hammer? Why is it going up at the quarter though?
1:06:04 Speaker 00 Uh, I've made every payment. I don't know why, if it's going up.
1:06:09 Caleb Hammer? Nine, oh, the beginning of this quarter, wait, no, no, no, no, but the beginning of this quarter.
1:06:13 Speaker 00 Uh, the very bottom is what it's supposed to.
1:06:15 Caleb Hammer? Ten?
1:06:15 Speaker 00 Talk about.
1:06:17 Caleb Hammer? Where are?
1:06:18 Speaker 00 Sorry.
1:06:20 Caleb Hammer? You're a mess. What? Okay, what are you, oh, today? Yeah, no, no, your balance went up. Balance went from two, two, twenty thousand five hundred fifty four to twenty two thousand.
1:06:31 Speaker 00 Uh, I did have to get some tools.
1:06:35 Caleb Hammer? Oh, did you?
1:06:36 Speaker 00 But I didn't think I financed them through them. I did it through the.
1:06:40 Caleb Hammer? What a fuck racket. They got you guys locked down. Weekly payment, a weekly payment of eighty six twenty five.
1:06:47 Speaker 00 Yes.
1:06:48 Caleb Hammer? Yo, three hundred forty-five dollars a month. These are stacking now, man. So stacking out. This is stupid. Stop it. You almost got entire free tools from your uncle's dead someone's. This, we don't need. This is stupid. Get, did you get the free fucking tools?
1:07:05 Speaker 00 No, uh, because I already had to get the tools anyway from.
1:07:10 Caleb Hammer? Hey, get the free, hey, hey, hey, get the free tools and sell the other fucking tools and pay down the debt.
1:07:17 Speaker 00 Yeah, I, I would have lost the contract if I did.
1:07:20 Caleb Hammer? I'm saying now, you shit. Get it now. Sell your tools. You'll take a loss, but it goes towards the fucking debt. Math.
1:07:32 Caleb Hammer? Merrick Bank for what?
1:07:34 Speaker 00 Uh, another credit card.
1:07:39 Caleb Hammer? For what?
1:07:42 Caleb Hammer? Cause why is it a thousand nine hundred sixty-four dollars and forty-eight cents?
1:07:46 Speaker 00 Uh, because it's not at its max limit.
1:07:51 Caleb Hammer? No, no, why'd you get up to that? Buddy, buddy, questions.
1:07:56 Speaker 00 Instance is like.
1:07:57 Caleb Hammer? What did you spend on it? Don't my. Oh my, what did you, oh my.
1:08:03 Speaker 00 Uh, a lot of it's.
1:08:04 Caleb Hammer? Questions are not difficult.
1:08:06 Speaker 00 Uh, I got that turned temporarily off for six months. So I was mostly fishing stuff. That was my, yeah.
1:08:13 Caleb Hammer? Ah. Stop.
1:08:16 Speaker 00 I mean.
1:08:18 Caleb Hammer? Two hundred sixteen, oh, fees, buddy. Ninety-six dollars of fees this year.
1:08:23 Speaker 00 Yeah, they, they automatic, yeah, of, they have an automatic like hundred dollar a year spread out over a month and then late fees. It's, I know it's that baked in stuff, but I felt like I, that was bought so I could start retry to rebuild credit and that was my very first card to re-buy back.
1:08:43 Caleb Hammer? Your credit, man. I don't care. You're destroying your life. Forty-one dollar minimum payment.
1:08:50 Speaker 00 And
1:08:52 Speaker 00 And I well, I've I've I've looked at the fizz card and everything and stuff is just
1:08:56 Caleb Hammer? I recommend that.
1:08:57 Speaker 00 It's just the $200 intro membership was like, oh,
1:09:01 Caleb Hammer? Well, that's new. They kind of just turned that on, but we're uh we're we're working with them on our link to make sure it's like much more
1:09:09 Speaker 00 much, much, much, much. So it incentivizes my mind is like, oh, I can just fix this card.
1:09:13 Caleb Hammer? Well, they do that instead of like interest and stuff. So it's different or you know, extra fees.
1:09:17 Speaker 00 I mean, anyway, it would still work out over and to be better, but it's just like the intro rate is just like, oh, I can fix myself. I can fix myself.
1:09:25 Caleb Hammer? Well, yeah, obviously can't. How's that working? Hmm. Okay. So
1:09:29 Speaker 00 It'll get there.
1:09:29 Caleb Hammer? Oh, what is the sheet? I mean, what is the sheet? Money owed to mom 13,000 at 6%? She's charging the interest?
1:09:38 Speaker 00 Simple interest. So it's not compounded at least. Yeah. So take the, take whatever I initially and then just add 6% to it.
1:09:46 Caleb Hammer? It was just added.
1:09:46 Speaker 00 And then
1:09:47 Caleb Hammer? Does that the 13,000?
1:09:48 Speaker 00 That's the final.
1:09:49 Caleb Hammer? Is 13,000 the final amount?
1:09:50 Speaker 00 Yes.
1:09:51 Caleb Hammer? Why do you have this to your mom?
1:09:54 Speaker 00 It's well, because I needed money to move down to okay, see that's why.
1:10:00 Caleb Hammer? You've never had money for anything yet. You just do everything. This doesn't make any sense, but you have always made money.
1:10:04 Speaker 00 Been able to just ask my mom or ask my
1:10:07 Caleb Hammer? But that's not money. That is fucking debt.
1:10:09 Speaker 00 And but it's just
1:10:10 Caleb Hammer? But, but shut the fuck up.
1:10:12 Speaker 00 Made a good case is like, I'm going to be making this. I can pay you this amount.
1:10:16 Caleb Hammer? No, I'm sure you're able to justify it like crazy, but guess what? It still has not worked.
1:10:20 Speaker 00 That's how I got a life.
1:10:21 Caleb Hammer? Ah, I don't care. I don't care. What's the minimum monthly payment on this? Is there?
1:10:26 Speaker 00 300 amounts to her.
1:10:28 Caleb Hammer? Yeah. She lives with the roaches? Is she in like section eight or like what?
1:10:32 Speaker 00 No, she, her house is bought and paid for.
1:10:35 Caleb Hammer? It's a house that she owns.
1:10:36 Speaker 00 Yes.
1:10:37 Caleb Hammer? She for sake, why is she not getting pest control?
1:10:40 Speaker 00 I do the pest control is
1:10:42 Caleb Hammer? You're failing at that, like everything else.
1:10:43 Speaker 00 Knocked it down several times. It's just, we have neighbors that um are very kind of grody and
1:10:50 Caleb Hammer? You're gonna blame them?
1:10:52 Speaker 00 Yes, because we also live in a very wet area, which is what the natural environment for roaches is.
1:10:58 Caleb Hammer? Tulsa?
1:10:58 Speaker 00 And because, no, for the Sepulpa area, we are in green country. We get the most rain out of all of Oklahoma. But
1:11:06 Caleb Hammer? Out of Oklahoma, Oklahoma is just can just
1:11:08 Speaker 00 Well, we're in the climate range.
1:11:10 Caleb Hammer? Okay. Good show. $13,000 owed to this. Breathe out of your mouth. $300 a month. Money owed to a former employer. What the fuck, man?
1:11:20 Speaker 00 I took-
1:11:20 Caleb Hammer? What is that?
1:11:21 Speaker 00 My contract stipulated that for sign on, I have to do three years for the OKC job.
1:11:27 Caleb Hammer? Well, what happens about this job if you leave? Same thing?
1:11:30 Speaker 00 No, I don't, I don't owe them anything.
1:11:32 Caleb Hammer? Sorry, go ahead. Continue.
1:11:33 Speaker 00 Is this, uh, but we've already talked to, I've already talked to them. It's 375 a month.
1:11:39 Caleb Hammer? Your monthly payment is insane, man. This is fucking crazy. They should have stacked it up. This is fucking crazy.
1:11:47 Speaker 00 That's-
1:11:47 Caleb Hammer? I've never had a conversation like this. This is fucking crazy.
1:11:50 Speaker 00 That's why-
1:11:50 Caleb Hammer? Money owed to unemployment fraud? Oh, you're fucking collecting new stones that didn't not existed.
1:11:59 Speaker 00 But I've, I've tried talking to them several times and they've never reached out to me.
1:12:03 Caleb Hammer? What do you mean? What does that even fucking mean?
1:12:07 Speaker 00 That I got the unemployment when I was let go in, uh, COVID and I was, I thought instead, uh, there was still more work to do. But I was just let go and I was fired. So I misunderstood what the phrase of the sentence meant. And so I collected unemployment for, uh, the stimulus or not stimulus. What is that? The extra taxes or whatever during that time to increase unemployment money. So help me survive to afford a life.
1:12:38 Caleb Hammer? What do you owe monthly to them? You don't know. You just know that you owe it.
1:12:43 Speaker 00 Yeah, I've tried talking to them several times. They never called me back. They said they were gonna garnish me, but it's been like four or five months.
1:12:50 Caleb Hammer? I hope they kinda do. Oh, four or five months? That's not long enough for me to just like void this. Four or five months is nothing.
1:12:57 Speaker 00 Well, it's been five years since I took it out.
1:13:00 Caleb Hammer? The federal government was going through a big change. I know, but four or five months since then, like, like, just give it time. We'll see, man. Oh, medical debt 2,586. Breathe out of your mouth.
1:13:09 Speaker 00 Yeah, that was supposed to be-
1:13:10 Caleb Hammer? I'm gonna make you have more medical debt soon.
1:13:12 Speaker 00 That's supposed to be like workman's comp was supposed to pay for that, but then they never did it. And so now I'm on the hook, it feels like for that. I've tried to reach out to my former boss. But they, that's all they give me is the insurance code and they won't.
1:13:29 Caleb Hammer? You talk to the insurance?
1:13:31 Speaker 00 No, I haven't tried them yet. Because I don't know how that like, I didn't know that was an option is to talk to the
1:13:38 Caleb Hammer? Well, they gave you a code.
1:13:40 Speaker 00 Yeah, because I gave it to the emergency room when I got admitted.
1:13:44 Caleb Hammer? The code?
1:13:45 Speaker 00 The, the, the insurance providers, welfare, whatever number from, uh, from my employer when I got hurt.
1:13:53 Caleb Hammer? What happened? How'd you get hurt?
1:13:54 Speaker 00 I, so I was working on a car and I was, uh, he had this car.
1:13:58 Caleb Hammer? At work?
1:14:00 Speaker 00 Not this job. I was, while I was in school, I was a, uh, automotive slash, uh, tire changer, uh, technician.
1:14:10 Caleb Hammer? Okay.
1:14:10 Speaker 00 Uh, and I was, I was went to lift a tire and it was really heavy and I threw my back out. It was so painful that I had to go to the emergency room. And I was, I couldn't move for a week and a half. So I was on a lot of pain meds and stuff.
1:14:26 Caleb Hammer? Okay. What am I seeing here? Okay.
1:14:29 Speaker 00 Thanksgiving though, just being on my back when pain meds.
1:14:34 Caleb Hammer? Are you talking to yourself over there? What is happening?
1:14:36 Speaker 00 Well, yeah, sorry. I'm reminiscing on that one.
1:14:40 Caleb Hammer? I'm trying to talk about student loans here, my guy. Cause I see them existing.
1:14:45 Speaker 00 Uh, they were, I actually didn't have to do those student loans.
1:14:50 Caleb Hammer? What do you mean you didn't have to do them? They're right in front of me.
1:14:52 Speaker 00 Well, uh, because my GI bill paid for all the school. I just.
1:14:57 Caleb Hammer? Buddy, you have twenty two thousand eight hundred seventy.
1:14:58 Speaker 00 Yeah, but it was to take out and use for, uh, to lower like my principal on, uh, the, the Navy Federal card because it was, cause if you, the whole credit limit is twenty two thousand.
1:15:15 Caleb Hammer? Student loans to pay down.
1:15:16 Speaker 00 Yeah, because instead of like eighteen.
1:15:18 Caleb Hammer? You're so lucky. They did not know that at the time.
1:15:22 Speaker 00 Well, eh, well, it was to keep me in school. Does this help me? So I could fight, uh.
1:15:28 Caleb Hammer? Twenty two thousand eight hundred seventy three dollars to pay down credit card balance. So you build yourself out again without.
1:15:32 Speaker 00 Well, it wasn't. No, it's just, it was just to absorb that one. I didn't, I did, I paid off another credit card. I closed it. And then a few months later I bought.
1:15:42 Caleb Hammer? I'm sorry. I don't think you're getting out of debt.
1:15:45 Speaker 00 I'm
1:15:46 Caleb Hammer? I I mean, I'm I'm leaving a real. I don't think you're getting out of debt. You've been down the cycle a thousand times and for some reason you refuse to change your behavior. And we'll connect you with all the classes, the debt class, the budgeting app, the therapy will connect you with all of it. I don't think you're getting out of debt. Use the tools.
1:16:05 Speaker 00 Yeah.
1:16:05 Caleb Hammer? And use the people. You have to go to therapy. You especially have to go to therapy.
1:16:09 Speaker 00 I I'm on a medicine now. That makes it a whole lot easier.
1:16:12 Caleb Hammer? Good, but you need to talk to someone.
1:16:13 Speaker 00 Yeah, it makes me.
1:16:14 Caleb Hammer? It's not just a medicine.
1:16:16 Speaker 00 Yeah.
1:16:16 Caleb Hammer? You need to go to therapy. You need to go through the budgeting class. We just recorded a follow up today and the person went through the budgeting class and I got them through their debt. They paid off all their active credit card debt. It's incredible. Do that too. Over 10,000 people have taken it. Your student loans, is there a minimum monthly payment?
1:16:34 Speaker 00 No, forbearance right now. Already talked to them.
1:16:37 Caleb Hammer? Is it because you are on the save plan?
1:16:40 Speaker 00 Adjusted. Well, because during the time it wasn't active until I got out of school in about March. And then I finally got a job. What?
1:16:50 Caleb Hammer? Yeah. When does it start?
1:16:52 Speaker 00 Uh, it was supposed to either start uh, March or, but I mean, with the current administration, I don't know. It could just immediately start back up. That's the what I'm worried about.
1:17:03 Caleb Hammer? Well, I don't think so. The deferment from graduation. I don't think so. And you.
1:17:07 Speaker 00 But that's already done. It was supposed to.
1:17:09 Caleb Hammer? You requested an additional deferment?
1:17:11 Speaker 00 Yeah.
1:17:12 Caleb Hammer? Okay, well, that that's within the system. Well, I think more like the the different forgivenesses and like the save plan, that stuff will probably get destroyed. But, okay, so you're likely looking at a minimum monthly payment of, I'm guessing about 250, 300. I'm gonna say 275.
1:17:28 Speaker 00 Uh, I used to say the uh, income driven one.
1:17:32 Caleb Hammer? So you are on income driven?
1:17:33 Speaker 00 Well, no, I asked for to be put on. Uh, they said they're reviewing it and it's been a while.
1:17:38 Caleb Hammer? I'm putting 275 on there. We'll see. What was your last taxes? What was your claimed income in your last taxes?
1:17:43 Speaker 00 Twenty five thousand.
1:17:45 Caleb Hammer? Okay, you'll probably get put in. Well, unless unless it happens after this next tax year. Yeah, cuz, okay, what did you make last year?
1:17:52 Speaker 00 Uh, thirty thousand on this last year because I only just started.
1:17:57 Caleb Hammer? I'll I'll cross that out for now. I'll cross that out for now cuz we don't, we, who knows?
1:18:02 Speaker 00 Yeah, I just got a, I just got this job, so I know.
1:18:05 Caleb Hammer? Okie dokes.
1:18:08 Caleb Hammer? Student loans, more student, yep, all them, add it up, good, good, good, good, good. Set all your debts, like gone through all your debts, they're horrendous and you're thinking about getting a house, you.
1:18:18 Speaker 00 Uh, yeah, I think that's about it. Wait, do you have, um, um, um,
1:18:25 Speaker 00 American Airlines Credit Union?
1:18:26 Caleb Hammer? No, I don't.
1:18:28 Speaker 00 I, I have it on, I have a twenty-five-hundred, uh, initial loan for, uh, and then, but it's fifty dollars.
1:18:35 Caleb Hammer? Is it a personal loan?
1:18:37 Speaker 00 Yes. Uh, guaranteed by they just take it out of my paycheck.
1:18:41 Caleb Hammer? So what is it? What is the, it takes it out of your paycheck?
1:18:43 Speaker 00 Yes.
1:18:44 Caleb Hammer? What's the balance?
1:18:44 Speaker 00 Fifty dol-, uh, twenty-five-hundred. So, and it was, it was getting to, to for moving expenses and stuff.
1:18:51 Caleb Hammer? Okay, okay, okay, okay.
1:18:54 Caleb Hammer? Shh, shh, shh. Pretend like you fell out of the fishing boat, plug your damn nose.
1:19:06 Caleb Hammer? Zero dollars in this balance, a thousand dollars spent from the Cash App, a loan repair, you're taking out Cash App loans.
1:19:14 Speaker 00 Yes.
1:19:14 Caleb Hammer? What is your balance owed on there?
1:19:16 Speaker 00 Uh,
1:19:17 Caleb Hammer? I, I, another loan?
1:19:18 Speaker 00 Seventy-five dollars.
1:19:20 Caleb Hammer? Your balance is seventy-five?
1:19:22 Speaker 00 Yes.
1:19:23 Caleb Hammer? Why do you have it?
1:19:24 Speaker 00 Uh, it'd be,
1:19:26 Caleb Hammer? living on the loan.
1:19:27 Speaker 00 It's like a, it's a cycle, I can't really, cause I pay.
1:19:31 Caleb Hammer? Eighty thousand dollars is a seventy-five dollar cycle, literally you went out to eat seven hundred dollars and you spent Miss Lane's bull nine hundred, shut the fuck up, cycle, this is your behavior.
1:19:41 Speaker 00 Yeah.
1:19:41 Caleb Hammer? This is you being a literal child.
1:19:46 Speaker 00 I,
1:19:47 Caleb Hammer? Just acting like a child is not gonna have your mom recognize you as still being her little boy. Okay?
1:19:54 Speaker 00 Yeah.
1:19:54 Caleb Hammer? That's not how this is gonna work.
1:19:55 Speaker 00 I'm really trying to make sure I'm not the
1:19:57 Caleb Hammer? Have a recognized.
1:19:58 Speaker 00 Barrel of all the kids.
1:20:02 Caleb Hammer? I mean, well, you're competing against someone who went to prison, so I don't know if you'll get there, but.
1:20:05 Speaker 00 Yeah, but he has two businesses now that are flourishing, so.
1:20:08 Caleb Hammer? Well, and you committed unemployment fraud. Okay, Cash App, loan repayment, yeah, loan repayment, loan repayment, this is crazy, drawdowns, blah, blah, blah, that's ridiculous, dude. Let's check it out, this is nothing in here, a hundred fifty-six dollars, no wonder you're getting, your payments are being declined. Flex Finance? What's that? Is that another one?
1:20:28 Speaker 00 Uh, Flex Finance is the one to split, uh,
1:20:31 Caleb Hammer? How often are you doing that?
1:20:33 Speaker 00 I'm not doing it anymore, but during the, um, uh, time of my apartment, it was just every month. It was, and I paid it.
1:20:40 Caleb Hammer? Flex?
1:20:41 Speaker 00 It was just, it was fifteen.
1:20:43 Caleb Hammer? Overdraft! Overdraft! And Kings, so.
1:20:49 Speaker 00 I, I like, yeah.
1:20:51 Caleb Hammer? So Papa, salsa pa, ATM withdraw, Popeyes, PayPal in a restaurant. This is really hard to read. This statement is not a good statement. Went inside S and P S from a gas station. More zip pay later, zip pay later. So, a tool sales, tool sales, stop! Please.
1:21:09 Speaker 00 Well, that's, that's to pay back the truck. That's not just to.
1:21:13 Caleb Hammer? How much you owed the truck?
1:21:14 Speaker 00 Uh, the truck was like five.
1:21:16 Caleb Hammer? How much do you owe to the truck?
1:21:17 Speaker 00 Five hundred, the five hundred was, but currently, right now, it's, it's, it's a hundred and seventy-five.
1:21:22 Caleb Hammer? That's a debt, you tit. Add it to the debt.
1:21:26 Speaker 00 That's, that's paid off in two weeks.
1:21:28 Caleb Hammer? It's still a fucking debt.
1:21:32 Caleb Hammer? And wait, what is this? Why am I seeing a personal loan here? What is this?
1:21:39 Speaker 00 Uh, that, that is the, um, that, that is, that's American Airlines.
1:21:43 Caleb Hammer? For fuck's sake, it's a seventeen point seven five percent interest rate?
1:21:50 Caleb Hammer? It is, it's here!
1:21:51 Speaker 00 Yes.
1:21:55 Caleb Hammer? Let's see if I can even budget this. This is gonna be an interesting little equation, breathe it out of your mouth. Two thousand, two hundred, one dollars and twenty-six cents. Oh, it's insane. What's your, you don't pay rent? Do you pay utilities or anything?
1:22:08 Speaker 00 I pay rent. I pay a hundred dollars towards my mom for rent. Hundred and fifty for insurance and then fifty for my phone.
1:22:14 Caleb Hammer? What insurance? What insurance?
1:22:15 Speaker 00 Car insurance.
1:22:16 Caleb Hammer? Okay, one fifty for car insurance?
1:22:18 Speaker 00 Yes.
1:22:19 Caleb Hammer? And then what was your phone bill?
1:22:20 Speaker 00 Fifty.
1:22:21 Caleb Hammer? Okay, do helium for fifteen.
1:22:23 Speaker 00 I don't own my phone.
1:22:25 Caleb Hammer? When you own your phone, do helium for fifteen. Okay, so we'll put fifty for now, right? That's what you said?
1:22:29 Speaker 00 Yes.
1:22:30 Caleb Hammer? Oh my gosh. People, okay, utilities, you would do anything for that or is it just the rent?
1:22:35 Speaker 00 Just the rent.
1:22:35 Caleb Hammer? Okay, groceries, three hundred dollars. You're doing it for yourself. Use our cookbook and our budgeting app. The simpler budget budgeting app, use the cookbook.
1:22:46 Caleb Hammer? Get it at simplermoney.com or Calebhammer.com/app by the way. Three hundred dollar food payment TP fund. Anything else you need to survive all your happy endings? Hundred dollars. Or your machine, Lucky Glucks? Okay, gas room from drive, drive?
1:23:07 Speaker 00 It would be about sixty dollars a month.
1:23:09 Caleb Hammer? You know, you're gonna have no incentive to try to go out there and date if you have a machine that gets you off every day.
1:23:14 Speaker 00 I actually already have a date lined up for, uh, for in a couple of weeks.
1:23:18 Caleb Hammer? How'd you get?
1:23:19 Speaker 00 Uh, Bumble or not Bumble, no, Hinge. I did it.
1:23:22 Caleb Hammer? Well, that's, yeah, I mean, it's online, so that's fine. But, okay, cool. Cool, cool, cool, cool. So a hundred for rent again? That's what it is?
1:23:30 Speaker 00 Yeah.
1:23:30 Caleb Hammer? Okay, medical healthcare that comes out of your pay? Do you have any copays or anything like that?
1:23:35 Speaker 00 Twenty-five dollars.
1:23:37 Caleb Hammer? Per?
1:23:37 Speaker 00 Per, uh, visit, so. With a deductible of sixteen hundred dollars.
1:23:42 Caleb Hammer? How many visits? How?
1:23:44 Speaker 00 I only do it, uh, I only do it once a, uh, every couple of months.
1:23:49 Caleb Hammer? I'll just put it in your budget. Twenty-five bucks? Physical every couple of months?
1:23:54 Speaker 00 Uh, it's for, is, right now, I'm doing a little bit more because I'm trying to get on Ty, Ty Zipper with Zipbound. It's the.
1:24:03 Caleb Hammer? Does that make?
1:24:04 Speaker 00 Kinda. It's a, it's a different type of formulation.
1:24:07 Caleb Hammer? Yeah, yeah, yeah. Okay. Any pets?
1:24:10 Speaker 00 Yes.
1:24:10 Caleb Hammer? No.
1:24:11 Speaker 00 I have three Frenchies.
1:24:12 Caleb Hammer? Oh, no! They're one expensive and two me. They're living at that house? Oh, poor guys.
1:24:20 Speaker 00 Yeah, they are, uh, they do live at that house, but they're treated better than I treat myself.
1:24:27 Caleb Hammer? But it's just, it's insane, because now we need to put in sixty dollars of pet insurance, because you can't afford if something big happens. How much dog food on a monthly basis? Price, price, price?
1:24:37 Speaker 00 Uh, nothing right now. I take it from the, the bulk buy from that my mom gets for her dog.
1:24:45 Caleb Hammer? Okay, get pet insurance for them. Anything else that needs to be in your budget that I have not put in?
1:24:50 Speaker 00 No. I think I can say.
1:24:53 Caleb Hammer? Three thousand one hundred forty-six dollars and twenty-six cents.
1:24:59 Caleb Hammer? You bring in five thousand dollars a month, fuck you.
1:25:03 Caleb Hammer? Stupid dude. Stupid. You don't even have to take care of the the lady that never contributed to anything and has no ambition or anything. Thousand eight hundred fifty.
1:25:15 Speaker 00 Oh, I do.
1:25:16 Caleb Hammer? Thousand eight hun- what?
1:25:17 Speaker 00 I, one of the reasons I get a lot of food out is because I just bring it home for us. Because my, because of the roaches and everything.
1:25:25 Caleb Hammer? Say, hey, what up, girl? Yeah. We're broke up.
1:25:28 Speaker 00 Ever since I started watching your show, I started doing that.
1:25:31 Caleb Hammer? I'm giving you two hundred fifty dollars a month for fun because you have that, you have money left over. So you have now a thousand six hundred three dollars and seventy four cents after your fund of two hundred fifty dollars a month. Come on, man. This is so stupid. Now let's minus your student loans from your debt. Let's just get, how long this takes off? I'm gonna take off your medical debt and I'm gonna take off your student loans and then we'll deal with those when that happens. Dude, you have no control over your body. Seventy six thousand, six hundred forty three dollars of bad debt outside of the medical debt, outside of the student loans.
1:26:13 Caleb Hammer? Yes, one thousand six hundred three dollars to go towards it on a monthly basis to take you forty seven months, forty seven point eight months or four years. You know? Sucks. Four years is actually not the worst, especially with me giving you a fun budget. Four years is not the worst for the amount of mess you got yourself in. I'd actually be happy with that. People have to go through longer processes with less debt. So four years, that's not bad and your pay will hopefully continue to go up. Maybe you can pick up hours somewhere, maybe you can go work a second job, what?
1:26:46 Speaker 00 Overtime starts in, uh.
1:26:47 Caleb Hammer? There you go, do as much as you can, bring it down to three years and get a fully funded emergency fund, then save up a little bit of money for, is your grandma gonna die?
1:26:55 Speaker 00 Uh, she, don't think so.
1:26:57 Caleb Hammer? Okay, then let's focus on this. Fully funded emergency fund, then a five percent down payment on the home, then the good to go. It's called an entire process, five to six years. That is not bad. You will be beating the median age for the first time home buyers and you'll be living a good life. Okay? No more around dude. There's no reason why you should be in this. There's no reason why you should be getting fired. There's no reason why you should be a child. There's no reason why any of this stuff. What a joke. You're spending in a budget score. You overspend zero out of 10. Your debt, you have unemployment fraud zero out of 10. Emergency fund, nothing and savings zero out of 10. Retirement, barely anything in a 401k, but at least there's something there. One out of 10.
1:27:41 Caleb Hammer? You blame some of your things of throwing up a massive percentage to your 401k at the beginning. It's $400 in there. What the are you talking about? Shut up. You're trying to make excuses the whole time. Zero out of 10. Because of that excuse and the dumb, I'm just pissed. I'm going to actually round you down, which is never happening. Zero out of 10. Guys, come to the post show. Link in the description below. Our YouTube membership. Join elite for the best value of it out. You can actually call in and talk to us in our call in show. Join us for the streams and the exclusive audit. So much stuff. Join us. I have a feeling with this dude, it's going to be an interesting post show. I feel like we're about to hear from the best thugs that you can get on a map in Tucson.
1:28:19 Speaker 00 I got so drunk, I kissed a grandma and then I ran off and threw up.
1:28:24 Speaker 00 I saw Lindsay in the post show. I wanted to come here and be like, hey, well, not in that way. It was just like, it's just, she looks like the woman I would be really interested in.
1:28:36 Speaker 00 But no, but some ways that would be a lot closer to me.
1:28:39 Caleb Hammer? Lindsay would destroy you.
1:28:41 Speaker 00 I've been to those types of clubs where they destroy me. I like really strong, like women that will like basically kill you.
1:28:52 Caleb Hammer? I should not have said what I said because I did not know that.
1:28:54 Speaker 02 To watch the financial audit post show, click the join button below.
Previous Financial Infidelity EXPOSED Right Before Marriage | Financial Audit Next $250,000 Down The Drain, For THIS?! | Financial Audit Page updated November 4, 2026 · transcript and summary are machine-generated