I've Never Hated A More Vile Piece of Trash | Financial Audit

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

• 0:00Speaker 00

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• 0:29Speaker 01

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• 0:44Caleb Hammer?

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

• 0:48Speaker 03

  Got myself into a little bit of trouble.

• 0:49Caleb Hammer?

  For [bleep] sake.

• 0:50Speaker 03

  No, there's a [bleep] thousand-dollar restitution being held above my head.

• 0:53Caleb Hammer?

  The [bleep] and why?

• 0:55Speaker 03

  Innocent until you're proven guilty. I was attacked and I was stabbed six times by three dudes.

• 0:59Caleb Hammer?

  You were stabbed?

• 1:00Speaker 03

  So I basically pulled the plug on some dudes that their business was the dirty stuff.

• 1:04Caleb Hammer?

  Why is this man in my studio right now?

• 1:06Speaker 03

  We're friends. Got you.

• 1:10Caleb Hammer?

  Download my new Simpler Budget app today and take control of your money once and for all.

• 1:17Speaker 03

  How's it going? I'm Frankie. I'm 32 years old from the Bay Area, and I'm here to do the financial audit with Caleb.

• 1:24Caleb Hammer?

  The Financial Audit. Beautiful. Thanks for coming in, man. What do you do for a living in the Bay Area? That's an expensive area.

• 1:31Speaker 03

  I'm a CNC operator right now.

• 1:34Caleb Hammer?

  CNC?

• 1:36Speaker 03

  Computer Numerical Control.

• 1:38Caleb Hammer?

  I got a [bleep] gooner brain with CNC. Whenever I get... Okay. Do you know the alternative?

• 1:45Speaker 03

  Alternative what?

• 1:46Caleb Hammer?

  Okay. And what do you make typing little computers?

• 1:49Speaker 03

  I make high-performance motorcycle parts.

• 1:51Caleb Hammer?

  Oh, cool. What do you make income-wise?

• 1:55Speaker 03

  Thirty-two hundred a month after taxes.

• 1:57Caleb Hammer?

  Thirty-two, okay. In the Bay Area, that's one of the most expensive areas.

• 2:01Speaker 03

  Very expensive.

• 2:03Caleb Hammer?

  So, less than $40,000 a year net. How are you surviving? Usually I ask people, like, how do they feel on that income in their area? Flat out, how the [bleep] are you surviving? Are you surviving?

• 2:14Speaker 03

  Not really surviving, not thriving. You know, you gotta do some extra things on the side here and there.

• 2:19Caleb Hammer?

  What do you mean by that? Oh, see, okay. What are the part-time jobs or whatever?

• 2:24Speaker 03

  I did used to do a little hustling back in my day. Kind of had to stop that. It's not really...

• 2:30Caleb Hammer?

  Not enough time?

• 2:31Speaker 03

  Not enough, no, not time. It's, it's, you know, it's not, uh, frowned upon, I guess. There's certain things you can and can't do, you know, illegal, illegal, but.

• 2:38Caleb Hammer?

  Are you jerking off dudes under the highway? What are you talking about?

• 2:40Speaker 03

  Uh, you know, I used to sell.

• 2:42Caleb Hammer?

  Oh, what kind?

• 2:43Speaker 03

  Marijuana.

• 2:45Caleb Hammer?

  Oh.

• 2:45Speaker 03

  Little, little coke and some.

• 2:47Caleb Hammer?

  Okay. Well, those aren't legal in California.

• 2:49Speaker 03

  Some pain pills and some mushrooms.

• 2:50Caleb Hammer?

  Yep.

• 2:51Speaker 03

  Yeah.

• 2:51Caleb Hammer?

  Okay.

• 2:52Speaker 03

  We had to shut down that, uh, operation.

• 2:54Caleb Hammer?

  Well, that's smart, cause that's not the most legal thing, which would land us in pretty bad spots. When did you stop doing that?

• 3:01Speaker 03

  Uh, twenty fifteen.

• 3:03Caleb Hammer?

  So what is this extra stuff you're doing?

• 3:04Speaker 03

  Uh, right now, I just started working at a cigar shop, actually.

• 3:07Caleb Hammer?

  Oh, okay. So it is part-time, like I said.

• 3:10Speaker 03

  This is, yes.

• 3:11Caleb Hammer?

  Okay. So how many hours a week are you working there?

• 3:14Speaker 03

  I'm working eleven.

• 3:15Caleb Hammer?

  And what's your pay?

• 3:17Speaker 03

  Twenty an hour.

• 3:18Caleb Hammer?

  Eleven hours a week, obviously on the smaller side, but this is a part-time job. So bringing an extra eight eighty before taxes, what hits your account on a monthly basis from that job?

• 3:26Speaker 03

  Eight eighty, I get cash.

• 3:29Caleb Hammer?

  Is illegal?

• 3:30Speaker 03

  That's a friend, it's under the table.

• 3:32Caleb Hammer?

  So it's not legal?

• 3:33Speaker 03

  I mean, it's a legal, it's a legal place of business, you know, uh.

• 3:38Caleb Hammer?

  Just not conducting their business legally?

• 3:41Speaker 03

  I guess I'm not a legal employee, but as far as, I mean.

• 3:43Caleb Hammer?

  That's doing business.

• 3:45Speaker 03

  I mean, working is working, work is work.

• 3:46Caleb Hammer?

  Work is work, but there's also tax fraud?

• 3:50Speaker 03

  I guess not enough.

• 3:51Caleb Hammer?

  It's not enough. What's not enough? Tax fraud?

• 3:53Speaker 03

  Eight hundred eighty bucks a month, extra.

• 3:54Caleb Hammer?

  Well, I agree, but also, I mean, if you wanna make three cents an hour, we can do that as well.

• 4:01Speaker 03

  When you need the money and you can't get extra jobs, what are you supposed to do?

• 4:03Caleb Hammer?

  I mean, honestly, the, the business owner is the one that would really get in trouble on that. Probably not you. Uh, okay. So an extra eight eighty, I don't know if I'm fully supporting that, but.

• 4:13Speaker 03

  It's needed.

• 4:14Caleb Hammer?

  Essentially four thousand dollars a month, right? Is that your income or is there more?

• 4:17Speaker 03

  No, it's, I mean, yeah.

• 4:19Caleb Hammer?

  Okay.

• 4:19Speaker 03

  About forty-two, tops.

• 4:21Caleb Hammer?

  Forty-two tops, well, what's average?

• 4:23Speaker 03

  I just started this job three weeks ago, so I was thirty-two to thirty-four, depending on how many hours I worked.

• 4:28Caleb Hammer?

  Okay, I'm gonna say thirty-two to thirty-four?

• 4:32Speaker 03

  Hundred, yeah, depending on how.

• 4:33Caleb Hammer?

  A month?

• 4:33Speaker 03

  Yeah.

• 4:34Caleb Hammer?

  With both jobs combined?

• 4:35Speaker 03

  No, now that you add this eight eighty in, cause it's only been three weeks, like I said, that I've been doing this.

• 4:39Caleb Hammer?

  Forty-two hundred.

• 4:41Speaker 03

  About. It's what it should start.

• 4:43Caleb Hammer?

  Okay, even with that, how are we doing?

• 4:46Speaker 03

  We're not doing so good.

• 4:48Caleb Hammer?

  Yeah, it's fifty thousand dollars in net.

• 4:52Caleb Hammer?

  What? Fifty thousand dollars not?

• 4:54Speaker 03

  No.

• 4:55Caleb Hammer?

  A year? Oh, you gave me a very concerned look when I said that.

• 4:57Speaker 03

  No, because it's, because it's, it's fucking super low. Why would I, I should be concerned.

• 5:01Caleb Hammer?

  Well, that's net for what it's worth, but it's definitely low for the Bay area.

• 5:05Speaker 03

  I think it's low for anywhere.

• 5:07Caleb Hammer?

  Oh, no. If you're in the middle of rural Kansas, you can stretch fifty thousand four hundred dollars.

• 5:11Speaker 03

  What's your, how are you living?

• 5:12Caleb Hammer?

  Yes, but you can live higher than you can in the Bay area. But that's not what necessarily matters because you're not there. Are you okay? You're like licking your-

• 5:21Speaker 03

  No, I'm good, yeah.

• 5:22Caleb Hammer?

  Little corners. You're a corner licker.

• 5:25Speaker 03

  A little nervous sometimes.

• 5:26Caleb Hammer?

  You sure you're not on any of the things that you used to sell?

• 5:28Speaker 03

  Oh, positive. I've never done any hard drugs, except for, I've done some, some, seen some, but, uh, I had a drug addict mother, so I, uh-

• 5:36Caleb Hammer?

  Well, don't do that.

• 5:36Speaker 03

  Yeah. Didn't, didn't do any.

• 5:39Caleb Hammer?

  Okay. Uh, what, what, okay. What is going on, man? This is a curious start for conversation.

• 5:48Speaker 03

  So, my finances just got a little messy.

• 5:50Caleb Hammer?

  Um, yeah.

• 5:51Speaker 03

  I'm possibly gonna incur some debt that is, uh-

• 5:55Caleb Hammer?

  Taking out more debts?

• 5:56Speaker 03

  Extravagant compared to, I mean, I got myself into this debt on my own, obviously, but-

• 6:01Caleb Hammer?

  No, what is incur extravagant, like-

• 6:03Speaker 03

  There's, there's a-

• 6:04Caleb Hammer?

  High-performance car?

• 6:06Speaker 03

  No, there's a hundred and fifty thousand dollar restitution being held above my head.

• 6:09Caleb Hammer?

  The fucking why?

• 6:10Speaker 03

  Uh, because California laws are bull-

• 6:13Caleb Hammer?

  But California laws were broken?

• 6:16Speaker 03

  California, says who? I didn't-

• 6:18Caleb Hammer?

  Says California.

• 6:20Speaker 03

  I mean, when you-

• 6:21Caleb Hammer?

  No, I'm asking what?

• 6:22Speaker 03

  Oh, well, laws are, I mean,

• 6:25Speaker 03

  I didn't break any laws.

• 6:26Caleb Hammer?

  Okay.

• 6:28Speaker 03

  So, it's like when you get arrested, right? You have to be, you're innocent until you're proven guilty.

• 6:31Caleb Hammer?

  Were you proven guilty?

• 6:32Speaker 03

  No, it's, it's an open case right now.

• 6:35Caleb Hammer?

  So, oh, so this is not for certain?

• 6:37Speaker 03

  No.

• 6:37Caleb Hammer?

  Well, where are we in this proceeding?

• 6:40Speaker 03

  I should know by April eighteenth.

• 6:43Caleb Hammer?

  Is that sentencing? Not sentencing, is that, um-

• 6:45Speaker 03

  It's a restitution hearing.

• 6:47Caleb Hammer?

  Okay, yeah. April eighteenth? You're figuring out, be out before then, so we can't give a, are you playing footsie with me?

• 6:54Speaker 03

  No, I just-

• 6:54Caleb Hammer?

  Okay. Can I ask why?

• 6:57Speaker 03

  It's like, it's, it's a hard, uh, one to talk about, but it's, imagine like, uh-

• 7:03Speaker 03

  Yeah, you break a window at a liquor store one night, you do something stupid and they they say, you're not gonna get in trouble for it. We're not gonna say that you did it. We'll dismiss it, but you paid for the broken window. Does that make sense?

• 7:15Caleb Hammer?

  So you're paying for someone's broken window?

• 7:17Speaker 03

  It's it's a little messier than that. Someone's saying I did some some.

• 7:21Caleb Hammer?

  Oh, okay.

• 7:22Speaker 03

  He said, she said, and it's like, well.

• 7:24Caleb Hammer?

  He said, she said.

• 7:26Speaker 03

  I didn't break the window.

• 7:26Caleb Hammer?

  And you can't tell, okay.

• 7:27Speaker 03

  He's saying I broke the window.

• 7:28Caleb Hammer?

  Well, I'm assuming, I mean, you can't tell because you're in the middle of this.

• 7:31Speaker 03

  Right.

• 7:32Caleb Hammer?

  Okay, that's fair. That's fair. Uh, okay. You have a lawyer?

• 7:36Speaker 03

  I do.

• 7:36Caleb Hammer?

  Is this a paid for lawyer?

• 7:39Speaker 03

  No, I'm I've been rolling with the public defender.

• 7:41Caleb Hammer?

  Yeah, okay.

• 7:43Speaker 03

  That's it, to save some money as well.

• 7:45Caleb Hammer?

  Well, yeah, a hundred fifty thousand? What are we expecting to happen? What is your defender expecting to happen?

• 7:54Speaker 03

  I'm gonna incur at at least a hundred of it. So we're talking about like maybe, I mean.

• 7:59Caleb Hammer?

  How the are you gonna pay for a hundred thousand dollars?

• 8:02Speaker 03

  I don't I don't know how I'm gonna pay for a hundred thousand dollars. First, I gotta figure.

• 8:05Caleb Hammer?

  You're earning two hundred thousand dollars a debt?

• 8:07Speaker 03

  Whoa, no, no.

• 8:08Caleb Hammer?

  Okay, a hundred fifty, that is restitution.

• 8:10Speaker 03

  I need to figure out how to get out of this without having to pay because it's not.

• 8:14Caleb Hammer?

  What do you mean?

• 8:14Speaker 03

  It's not fair. It's bullshit.

• 8:16Caleb Hammer?

  Um.

• 8:17Speaker 03

  It's like, I mean.

• 8:17Caleb Hammer?

  Well, I don't know. What if the court deems it's fair? I mean, it's hearing you out and.

• 8:22Speaker 03

  If they deem it's fair.

• 8:25Speaker 03

  I decided to, I mean, I can still take it to a trial if I'd like, but I decided to do this a different program.

• 8:31Caleb Hammer?

  What's the different program?

• 8:33Speaker 03

  I'm gonna keep that that name to myself right now, but.

• 8:36Caleb Hammer?

  Name, can you describe?

• 8:38Speaker 03

  It's a diversion. So they offered me two years in prison and I denied the two years in prison. So they said you could take it to trial.

• 8:45Caleb Hammer?

  So a settlement?

• 8:46Speaker 03

  It's not, it's it's such a, it's like, it's a California thing. It's so weird. I don't, I don't, it's like a new thing.

• 8:52Caleb Hammer?

  A plea?

• 8:53Speaker 03

  Not a plea either because.

• 8:54Caleb Hammer?

  But kind of.

• 8:56Speaker 03

  It's.

• 8:56Caleb Hammer?

  Like, you wouldn't go to jail if you weren't.

• 8:58Speaker 03

  No, it's it's it's weird because it all gets dismissed if it gets disproven. But he's. This person or this entity could still ask for the restitution if they'd like.

• 9:08Caleb Hammer?

  Okay, so we're navigating this expecting essentially have to owe $100,000 and.

• 9:12Speaker 03

  Or have to possibly, because if I can't figure this out with this public defender, then there's the possibility of having to hire a different attorney that can actually, you know, possibly get rid of this or.

• 9:24Caleb Hammer?

  It'll be done via as a part of a civil judgment?

• 9:27Speaker 03

  That could be coming next, because if I do.

• 9:29Caleb Hammer?

  Next, separate?

• 9:31Speaker 03

  Yeah, because I can't.

• 9:32Caleb Hammer?

  Well, you won't be able to go through bankruptcy if it's not, probably.

• 9:36Speaker 03

  Really?

• 9:37Caleb Hammer?

  Yeah. This is part of civil judgment, huh?

• 9:41Speaker 03

  I actually thought about that.

• 9:42Caleb Hammer?

  Well, I don't know if that qualifies in your case. I'm also getting very limited details for what it's worth.

• 9:47Speaker 03

  Okay.

• 9:48Caleb Hammer?

  From you, but okay.

• 9:52Speaker 03

  So this is a civil judgment versus, so this is like a restitution thing. So, once we go through this restitution hearing, based on where.

• 9:59Caleb Hammer?

  I mean, if it's through a criminal conviction, then that's going to be hard to go through kind of bankruptcy. Is it a civil or is it criminal?

• 10:07Speaker 03

  No, it's going to be, it's incriminal right now.

• 10:10Caleb Hammer?

  Okay, so yeah, the likelihood of you being able to get this written off via bankruptcy.

• 10:17Speaker 03

  Okay.

• 10:18Caleb Hammer?

  So you're gonna have to pay this. Now, in a restitution that we're talking about, is there an expected payment timeline for this that you are expecting that your public defender has told you?

• 10:29Speaker 03

  No, because the next one, if like, once we hear this.

• 10:32Caleb Hammer?

  Next one, what do you mean next one? Is there a separate one or is that?

• 10:34Speaker 03

  It's the same one, so I'm sorry. The next phase of this after April 18th will be if I do get stuck with any amount of this $150,000, then based on the information that I haven't been able to give you, I could turn this around and civilly sue him.

• 10:49Caleb Hammer?

  Okay, well, yes, you can sue anyone for anything. That doesn't mean it's a, okay.

• 10:54Speaker 03

  Because with, he's not losing any money. I'm losing money.

• 10:58Caleb Hammer?

  Well, okay, so you're gonna counter essentially?

• 11:01Speaker 03

  Well, yeah, I don't owe him anything. I shouldn't owe him anything. He should be paying me.

• 11:05Caleb Hammer?

  Okay.

• 11:06Speaker 03

  For real.

• 11:07Caleb Hammer?

  Well, I wish I could agree or disagree, but I.

• 11:10Speaker 03

  When it's all said and done, I'll have to run it back and tell you and you'd be like, holy shit, this is what you were talking about.

• 11:15Caleb Hammer?

  Yeah, I mean, we can post an update to the pinned comment or something.

• 11:19Speaker 03

  Yeah, there's another incident in 2025 that kind of plays into it, so I don't know if you, about time for that one.

• 11:25Caleb Hammer?

  It plays in, okay, then yeah, let's get some context.

• 11:29Speaker 03

  Back in my dealing days, not doing, you know, the right thing. I was around the wrong people and

• 11:35Caleb Hammer?

  When did that, those days stop, the dealing days?

• 11:38Speaker 03

  They really stopped in 2015.

• 11:40Caleb Hammer?

  Okay, so it was a long time ago.

• 11:42Speaker 03

  Yeah.

• 11:42Caleb Hammer?

  Okay, go on.

• 11:43Speaker 03

  I'm a felon in Las Vegas for, you know, for sales charges and whatnot, but I was doing, you know, not good things. I was trying to make money, which is a good thing.

• 11:51Caleb Hammer?

  Why is this man in my studio right now? My private studio of which this, I have a fear.

• 11:59Speaker 03

  No, you should be enough. We're friends. I got you.

• 12:02Caleb Hammer?

  Yeah.

• 12:02Speaker 03

  I was, uh, I was attacked and I was stabbed, uh, six times by three dudes.

• 12:08Caleb Hammer?

  You were stabbed?

• 12:09Speaker 03

  Yeah.

• 12:10Caleb Hammer?

  Six times?

• 12:11Speaker 03

  Almost didn't make it.

• 12:14Caleb Hammer?

  Oh, that's why they brought these things. Okay. This makes sense. I understand. Okay, my producers want you to show us exactly what happened. These cheeky little producers. I get it. I understand what's happening here. Here you-

• 12:32Speaker 03

  Oh, you got four? You said three on one.

• 12:33Caleb Hammer?

  Yeah, you can be the gay one.

• 12:36Speaker 03

  No, the dude who did it was the gay one. So he can be, he can be the gay one. I come walking down the street, doo doo doo doo doo, minding my own business, and these bushes start moving. I'm like, holy shit, turn back. Well, I guess I passed him, right? I look back and this dude comes out the fucking bushes, starts running at me. I'm like, I look back and I, I noticed them and I was like, oh shit, you know, it's a big deal with a knife running at me. So I start running this way. I just kinda laughing. This is weird.

• 13:01Caleb Hammer?

  I'm getting chased with a deadly weapon.

• 13:03Speaker 03

  Last thing I know, these two dudes pop out from behind this fucking shed.

• 13:07Caleb Hammer?

  You were in Vegas?

• 13:08Speaker 03

  No, I was in the Bay Area.

• 13:09Caleb Hammer?

  Okay.

• 13:10Speaker 03

  And I didn't know what to do. Now I'm stuck because I'm, I got these two dudes right here and I got this dude coming at me with a knife.

• 13:15Caleb Hammer?

  You know, Zuckerberg's running behind you.

• 13:17Speaker 03

  I turned around and it was kinda like, I didn't know what to do. Um, he was coming at me and we just clashed, started engaging. These dudes came.

• 13:26Caleb Hammer?

  They didn't ask you for anything?

• 13:28Speaker 03

  There's no talking when someone's running at you with a knife and guys are trying to grab you and-

• 13:32Caleb Hammer?

  What, were they trying to

• 13:33Speaker 03

  Trying to kill me?

• 13:34Caleb Hammer?

  Diddle you?

• 13:34Speaker 03

  No.

• 13:34Caleb Hammer?

  Why would they be trying to kill you?

• 13:36Speaker 03

  There's people who think people need to die, I guess.

• 13:38Caleb Hammer?

  Come on, they would want your wallet or something.

• 13:41Speaker 03

  No, they didn't want my wallet, they wanted to kill me.

• 13:43Caleb Hammer?

  Cannibals, what are you saying?

• 13:44Speaker 03

  No, they just wanted to kill me. They didn't think that I'd-

• 13:47Caleb Hammer?

  Why would they want to kill a you?

• 13:50Speaker 03

  At the time I was doing-

• 13:51Caleb Hammer?

  There you go.

• 13:52Speaker 03

  I cut off some people from what I was doing and I switched businesses. I kinda got away with them all like, you know, the chemical and bad stuff and I just went straight and I was growing it for a while. So I basically pulled the plug on some dudes that their business was the dirty stuff.

• 14:06Caleb Hammer?

  Okay, so what happened?

• 14:07Speaker 03

  Me and him, you know, me and him are going at it. These dudes kinda hemmed me up.

• 14:11Caleb Hammer?

  Yeah, you're Jason Momoa in the middle.

• 14:13Speaker 03

  Yeah, he gets me a couple times and then we start going at it a little more and then we end up in like in a more secluded place so there wasn't a lot of room for this guy. So then he starts, you know, patrolling, watching the street and it was me and these two-

• 14:25Caleb Hammer?

  I would picture you as a middle.

• 14:27Speaker 03

  Eventually they got me, I was compromised. I was on the floor.

• 14:30Caleb Hammer?

  You were compromised?

• 14:31Speaker 03

  Yeah, I was on the floor.

• 14:32Caleb Hammer?

  Okay, how?

• 14:33Speaker 03

  They got me in the back here and they got me in the neck and they got my-

• 14:36Caleb Hammer?

  With their knives?

• 14:37Speaker 03

  With their knives and my lung collapsed.

• 14:38Caleb Hammer?

  That's so scary.

• 14:39Speaker 03

  So I couldn't, I couldn't breathe and it was filling up with, with blood. And eventually when I was on the ground, I kinda, a little bit of the fight was left, you know, out of me. I was putting my leg up to kinda, you know, keep away from those deadly blows. When they were trying to come down and I finished the job and I got my leg, uh, my leg tore up a little bit. And then, uh, for the grace of God or whoever was up there, uh, the neighbors came out and their dog was barking and they stopped and they ran. Like right as it was about to be, you know, who knows?

• 15:09Caleb Hammer?

  Look, private student loans can make it feel like you're one missed payment away from selling your grandma's heirlooms. I miss you grandma. Why Refi says, chill out! No more sacrificing the family jewels! They don't reduce you to a credit score number. They just want to see if you're actually planning on paying. By the way, they're providing interest rates under 6%, which is practically a unicorn in the student loan jungle. I mean, some lenders want to charge you so much, it's where they were putting their firstborn on layaway. So if you're tired of monthly payments so high that you can't afford a single sweet treat, Why Refi's got ya! They'll arrange your repayment plan, ease the monthly- Hit and even let your poor cosigner off the hook. Remember Dad, eh, they can finally breathe.

• 15:51Caleb Hammer?

  Oh, and if you think you'll just get stuck on a call center waitlist, guess what? 4.6 stars on Google says Y Refi actually picks up and treats you like a real human, which is a shocker, right? In finance, that's something as rare as me not slamming a desk every episode. What? So if you're done fantasizing about robbing a bank, don't do that.

• 16:12Caleb Hammer?

  By the way, but just check out Y Refi. They're here to help you actually crush these loans without selling your kidneys on the black market. Go to Y R E F Y dot com slash hammer. That's Y refi dot com slash hammer or call triple eight Y refi dash 78. That's triple eight Y refi dash 78 and see how a real personal approach can help you escape the private loan nightmare. Because let's be honest, living with crippling debt till you're 90 is not the retirement plan you dreamed of. I'm glad you're alive.

• 16:40Speaker 03

  The adrenaline, the adrenaline.

• 16:41Caleb Hammer?

  You ever know who did it?

• 16:42Speaker 03

  Kicked in, I'll tell you in a minute and I got up. And the adrenaline wore off for a second. I peeled over. I didn't, you know, I had to really think about what was happening. And then luckily one of, you know, my neighbor's friends actually showed up and I was on my way walking home. He walked me a couple of blocks home. And the adrenaline fully wore off and I just passed out.

• 17:02Caleb Hammer?

  I don't really. Could you go home and not the hospital?

• 17:04Speaker 03

  I didn't want.

• 17:05Caleb Hammer?

  What are you doing?

• 17:06Speaker 03

  I should.

• 17:06Caleb Hammer?

  You're standing by knives. The fuck is happening?

• 17:09Speaker 03

  I just adrenaline. And then it's also like, I don't know. You don't want to, you think like, you don't want to, you know, that whole like mentality or you can't tell on anybody. I was just going to go home and figure it out.

• 17:19Caleb Hammer?

  So who was it?

• 17:21Speaker 03

  I was these dudes that I would, I did some transactions with.

• 17:23Caleb Hammer?

  So it was business related, so they weren't trying to achieve anything. They were punishing you for.

• 17:28Speaker 03

  I wasn't punishing.

• 17:29Caleb Hammer?

  Up.

• 17:30Speaker 03

  I didn't.

• 17:30Caleb Hammer?

  Well, no, no, no. Well, you know what then? They fucked over, right?

• 17:34Speaker 03

  I guess.

• 17:34Caleb Hammer?

  In their business world.

• 17:35Speaker 03

  Yeah.

• 17:36Caleb Hammer?

  Of illegalsness.

• 17:37Speaker 03

  Yeah.

• 17:38Caleb Hammer?

  Yeah.

• 17:39Speaker 03

  But at the end, that's why I mean, yeah, I was being mad at somebody, you know? I would try to get over on them or try to fuck up their business like he did mine, but instead he's like, oh, he should not live.

• 17:48Caleb Hammer?

  And it all comes down to blah, blah, blah. A few years later, incident happens. Now you owe someone $150,000 probably says the court.

• 17:56Speaker 03

  Yeah.

• 17:57Caleb Hammer?

  Okay, here, I'll take them. Let's get these guys out of here. I don't want to get too turned down.

• 18:04Caleb Hammer?

  So where do you think you are then? We do need to get into the actually establish the context of your entire financial situation for how we approach this as it comes out. Cause I mean, that is a critical big bill comes down to mortgage essentially in middle of Kansas. So where do you think you are in the world of finances? Zero to 10, zero being the worst finances, 10 being the best finances?

• 18:27Speaker 03

  I may be a two.

• 18:28Caleb Hammer?

  Okay, okay. You guys want your Hammer Financial Score? Use that link in the description below or go to CalebHammer.com. You can fill out, uh, go through the whole quiz and everything and we'll tell you where you stand in the world of finances. And if you want to come on the show and you like to get stabbed, go to CalebHammer.com/apply. We'd be happy to have you here. All right. So I see here. Oh no, so this isn't the restitution. Oh, is this his?

• 18:54Speaker 03

  That's what he's claiming.

• 18:55Caleb Hammer?

  So, okay, so he got an ambulance bill from the thing that I guess we're not going into. That's okay. Then a medical bill, 142,000, medical bill, 872, 872, uh, some image, 100 bucks and other image.

• 19:17Speaker 03

  And some AirPods.

• 19:18Caleb Hammer?

  Yeah, that's the price of AirPods for what it's worth.

• 19:22Speaker 03

  Who claimed it?

• 19:23Caleb Hammer?

  I don't know. Dude who wants his AirPods back, I guess. Uh, and some, yeah, two weeks of pay. Either way, it comes out to 150,548.75. Okay. Did you get restitution after your accident? Did you press charge?

• 19:41Speaker 03

  No, I see. I, uh, I didn't do much. I just kinda hated, got better and just kinda moved on with my life.

• 19:49Caleb Hammer?

  Well, if you got restitution, maybe you'd be able to pay for the restitution you're about to owe someone.

• 19:53Speaker 03

  I just thought about that and I did reach out to, uh, somebody about that and you only have, you only have two years. So that's, that's chalked.

• 20:02Caleb Hammer?

  You waited.

• 20:03Speaker 03

  Yeah.

• 20:04Caleb Hammer?

  Okay. So me.

• 20:06Speaker 03

  I was like, I mean, this guy wants money. I'd probably deserve it.

• 20:10Caleb Hammer?

  I mean, for what it's worth, again, I don't really know anything, but if I did incur medical bills and everything, I'd kinda want it too.

• 20:16Speaker 03

  They were, the medical bills were all paid for. Um, I wasn't working at the time.

• 20:20Caleb Hammer?

  Through his insurance?

• 20:21Speaker 03

  No, uh, California victims of a crime.

• 20:24Caleb Hammer?

  So he was a victim of a crime?

• 20:25Speaker 03

  Are you talking about, oh, I thought you were talking about.

• 20:27Caleb Hammer?

  Well, yeah.

• 20:28Speaker 03

  No. I thought you were talking about what happened with

• 20:31Caleb Hammer?

  Where his paid for?

• 20:32Speaker 03

  We're yet to find out.

• 20:35Caleb Hammer?

  That'll be done via discovery?

• 20:37Speaker 03

  Yeah.

• 20:38Caleb Hammer?

  So getting into your finances before that bill. Okay, we're starting with an Amex. Every day.

• 20:44Speaker 00

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• 21:14Caleb Hammer?

  A credit card. How are you doing before the restitution? Can I hear that? Because I have a balance. I have a balance here. An intense balance of 24,994 dollars and 88 cents. So how are you doing before this restitution? I would say.

• 21:34Speaker 03

  What are you talking about mentally, physically, financially?

• 21:37Caleb Hammer?

  Probably the topic of the show.

• 21:39Speaker 03

  Yeah, I was doing all right. I wasn't.

• 21:42Caleb Hammer?

  Yeah, 24,994 dollars and 88 cents on the first credit card we're talking about. What's the all right part?

• 21:49Speaker 03

  Before that, we're talking about before?

• 21:52Caleb Hammer?

  Before the restitution, this isn't restitution.

• 21:54Speaker 03

  Correct, correct.

• 21:57Speaker 03

  I'd say it was around like April of last year when I opened that credit card. So it hasn't even been a full year.

• 22:03Caleb Hammer?

  How are you doing before all of this new shit?

• 22:06Speaker 03

  Oh, not, not good.

• 22:08Caleb Hammer?

  Okay, so what was happening?

• 22:10Speaker 03

  I had more expenses than I could pay for.

• 22:13Caleb Hammer?

  Why?

• 22:13Speaker 03

  Got myself into a little bit of trouble.

• 22:17Caleb Hammer?

  What? For sake, okay.

• 22:21Speaker 03

  The rest of the, the rest of the stuff is whatever, but I.

• 22:23Caleb Hammer?

  No, no, actually give us some context. We're learning all about you.

• 22:27Speaker 03

  I got a DUI myself. So that I did.

• 22:30Caleb Hammer?

  For what substance?

• 22:33Speaker 03

  Alcohol.

• 22:35Speaker 03

  Driving under the influence, California.

• 22:36Caleb Hammer?

  Do you? Okay. Yeah.

• 22:38Speaker 03

  So next thing you know.

• 22:39Caleb Hammer?

  When?

• 22:40Speaker 03

  Uh, September of twenty twenty-three. Last year was basically a long legal battle and I was leaving work a lot, uh, going to court, doing this. I was sentenced to some therapy, so I was, you know, doing some therapy and.

• 22:54Caleb Hammer?

  Sentenced to therapy?

• 22:56Speaker 03

  Yeah.

• 22:56Caleb Hammer?

  You didn't get sentenced to any jail or anything like that? Good. Well, it's yes. Yes, as in no?

• 23:03Speaker 03

  Yeah.

• 23:04Caleb Hammer?

  Yeah.

• 23:05Speaker 03

  Yes, I got sentenced to therapy, no jail. I'm, you know.

• 23:08Caleb Hammer?

  Good. Yeah, you probably need it.

• 23:10Speaker 03

  Oh, for sure.

• 23:10Caleb Hammer?

  It's a bummer that you get sentenced for it. DUI, how often are you driving drunk?

• 23:15Speaker 03

  They asked me the same thing and I wasn't. I wasn't at all. That was like literally one of those.

• 23:20Caleb Hammer?

  Okay. Just like you did nothing wrong in the case where you're getting restitution. Okay.

• 23:25Speaker 03

  It's not gonna add up, right? I know.

• 23:27Caleb Hammer?

  No, I think it is adding up. I believe the equation has just been solved.

• 23:32Speaker 03

  I was going through a rough time, whatever. I was going through a divorce.

• 23:35Caleb Hammer?

  Have you ever gone through a not rough time?

• 23:37Speaker 03

  Yeah.

• 23:38Caleb Hammer?

  Through your own actions?

• 23:40Speaker 03

  Yeah.

• 23:40Caleb Hammer?

  When?

• 23:43Speaker 03

  Uh, there's a time, my uncle, he took me on a cool surf trip to Peru. A lot. Me and him were just, you know, kicking it, uh, traveling.

• 23:51Caleb Hammer?

  Yeah. But what about anything that you did? Ever been a time where it wasn't life through your own actions? That you were in charge of not being taken and paid for on vacation?

• 24:06Speaker 03

  I guess when I was hustling, that was really the only time I had like some.

• 24:09Caleb Hammer?

  Why aren't you hustling? Why haven't you been hustling then? Where's the hustle?

• 24:15Speaker 03

  The hustle, you know, it left a little bit, honestly.

• 24:17Caleb Hammer?

  Well, no, I mean, that's still shit. You were doing illegal, immoral things.

• 24:20Speaker 03

  Right. So it was just trying to find.

• 24:22Caleb Hammer?

  I wouldn't say that's a good time.

• 24:23Speaker 03

  I, there was no career. So as far as like the hustle.

• 24:26Caleb Hammer?

  Yeah, no fucking shit. I mean, there kind of is. It just gets deeper in the game.

• 24:29Speaker 03

  Right. So the hustling aspect of just hustling or hustling the game. So I was, I always had a hustle, but I hustled, if that makes sense. So now.

• 24:38Caleb Hammer?

  No, I can get it. Talking to the mic hustled your.

• 24:41Speaker 03

  So now actually, I guess, finding a, a career, what I want to do. And you know what I mean? I, uh, I got lucky, you know, my dad, he owns a company.

• 24:49Caleb Hammer?

  Okay. So you got a DUI. Are you saying this card is all from the DUI?

• 24:54Speaker 03

  No, I so I also, uh, around the same time last year, my dog had a, uh, what is it when you, like, when you tear your ACL on your knee and it

• 25:03Caleb Hammer?

  Really?

• 25:03Speaker 03

  It's your T P L O.

• 25:05Caleb Hammer?

  Okay.

• 25:05Speaker 03

  So.

• 25:06Caleb Hammer?

  That's sad, yeah.

• 25:07Speaker 03

  I, I essentially, that's why I opened up that credit card.

• 25:10Caleb Hammer?

  Pet insurance! That's why I put it in everyone's budget.

• 25:13Speaker 03

  I.

• 25:13Caleb Hammer?

  Cause if you're not in a good financial position, how are you ever gonna pay to actually, you know, treat something that happens to a pet? And something will always happen to a pet, cause they're dumb.

• 25:22Speaker 03

  Well, I was all, I was in.

• 25:24Caleb Hammer?

  How much did that cost?

• 25:25Speaker 03

  That was ten thousand for the.

• 25:26Caleb Hammer?

  Okay, well, well, there's another fifteen thousand to account for. Oh, this is maxed out. This is maxed out! With a four hundred ninety-nine dollar and eighty-nine cent minute with the payment. This is maxed out. Literally, five dollars you can spend on here. Five dollars.

• 25:44Speaker 03

  Five, no.

• 25:44Caleb Hammer?

  Five dollars!

• 25:45Speaker 03

  Spend more.

• 25:46Caleb Hammer?

  Well, yeah, eighteen cents more, twelve cents more.

• 25:50Speaker 03

  Before that, like I said, when I, uh, was going through.

• 25:53Caleb Hammer?

  What was the other fifteen thousand?

• 25:55Speaker 03

  Oh, I mean, one of them was, uh, um, being in the drunk tank for the, uh, for the DUI. They, they left me with my cellphone. And, uh, I was having, it was having a rough night. I was upset and I. I bought a Playstation five.

• 26:11Caleb Hammer?

  In jail?

• 26:12Speaker 03

  Yeah, on my, on my, in the.

• 26:13Caleb Hammer?

  You, what is wrong with California?

• 26:16Speaker 03

  Wow, what? I was upset, really upset, upset at myself and I'm, oh, I, I'm gonna need something to do.

• 26:23Caleb Hammer?

  Playstation? How is that to cope? How is that to cope?

• 26:26Speaker 03

  You're, you're hungover and you're in a drunk tank bed and you got your.

• 26:29Caleb Hammer?

  So Playstation, that's the natural hangover food?

• 26:31Speaker 03

  I mean, what else is there to do in there? I mean, I place a parlay, I, I, instead.

• 26:36Caleb Hammer?

  Download Risk, I don't know. Monopoly, it doesn't matter, download an app and play Falling Sand.

• 26:42Speaker 03

  Yeah, true, true.

• 26:44Caleb Hammer?

  You don't need to order a play, okay.

• 26:45Speaker 03

  No, but it was, I needed to because in my mind, that's what I was.

• 26:48Caleb Hammer?

  Five hundred of fifteen thousand.

• 26:50Speaker 03

  I was planning ahead. Okay, so I'm gonna save money by not going out, by not drinking and driving. I was like, hey, I'll, I, you know, what's an Uber and drinks and all that? That's like two weekends right there, right there, a place, yeah, maybe three.

• 27:04Caleb Hammer?

  Okay, that's five hundred of fifteen thousand.

• 27:08Speaker 03

  Right, um, so another one I just started-

• 27:10Caleb Hammer?

  I've acquired you open last year.

• 27:12Speaker 03

  Yeah, I just started buying myself things. I started buying things for other people. Uh, I'd go buy food. I was just, you know.

• 27:19Caleb Hammer?

  So this is bull-

• 27:21Speaker 03

  It's bull-

• 27:22Caleb Hammer?

  Bull spending? Okay, so we know you make like forty-two hundred dollars a month. How much did you spend last month? I have the number. Why don't you tell me how much you spent last month? Why don't I have a, why don't I get a little number of how much you spent?

• 27:35Speaker 03

  I'd say I probably spent like five grand last month.

• 27:38Caleb Hammer?

  So you're good at spending eight hundred dollars more than you make?

• 27:41Speaker 03

  Uh, at the time. I'm, I'm getting-

• 27:45Caleb Hammer?

  It lasts a month.

• 27:46Speaker 03

  Yeah, I'm not okay with it now, but I was okay with the last month.

• 27:50Caleb Hammer?

  The fuck changed in two days?

• 27:52Speaker 03

  You know, things change around here, you know?

• 27:54Caleb Hammer?

  Oh wow, I'm in front of the internet, so now I'm gonna try to look good. What? No!

• 27:57Speaker 03

  No, there's no looking-

• 27:58Caleb Hammer?

  So why are you okay with the fact? Why didn't you give a fuck about spending eight hundred dollars more?

• 28:05Speaker 03

  I didn't give a fuck because I just, I didn't give a fuck. There was- Like-

• 28:10Caleb Hammer?

  Are you giving up? Are you giving up on life?

• 28:13Speaker 03

  I thought about it. I really did. I was like, man, maybe I'll just run this credit into the dumps. Maybe, maybe, because this is actually-

• 28:19Caleb Hammer?

  As of two weeks ago?

• 28:20Speaker 03

  No, this is like all kinda last year.

• 28:22Caleb Hammer?

  Yeah, but this is, I'm talking two weeks ago.

• 28:24Speaker 03

  Oh, two weeks ago, I, I was just, uh-

• 28:28Speaker 03

  Yeah, I went, I don't know. It's like you get, I went through a little phase, I guess, last month where I just-

• 28:33Caleb Hammer?

  Just last month?

• 28:34Speaker 03

  Yeah, because I was, I snapped out of it.

• 28:36Caleb Hammer?

  You wouldn't be in a maxed out credit card if it was just one month.

• 28:38Speaker 03

  Well, like I said, I snapped out of it and then I was just, you know, in, in a strange place last month. So I just decided to swipe it somewhere.

• 28:46Caleb Hammer?

  Listen, you only spent four hundred thirty-four dollars and ten cents on this credit card, so it wasn't just last month.

• 28:52Speaker 03

  So I've been, because like you, obviously you can see that one's maxed out and my income versus my bills, so I'll use that one just to pay a couple bills right now. I'm not really spending on that.

• 29:01Caleb Hammer?

  So you spent five thousand instead of the forty-two hundred you made?

• 29:04Speaker 03

  Correct.

• 29:05Caleb Hammer?

  Okay. You spent ten thousand seventy-five dollars. What the fuck are you talking about? You don't know a single, a single minute detail about your finances. Not a single thing. You haven't been responsible once in your life.

• 29:20Speaker 03

  I've been responsible. You can't say not once in my life.

• 29:22Caleb Hammer?

  Oh, come on. In what world?

• 29:24Speaker 03

  What world?

• 29:25Caleb Hammer?

  The things we've heard about so far, where have you been responsible?

• 29:29Speaker 03

  I took care of my, look at my dog. I'm a pet owner.

• 29:32Caleb Hammer?

  Yeah, but you weren't able to take care of him responsibly. You had to go into debt for it. You weren't responsible enough to have pet insurance.

• 29:37Speaker 03

  I had pet insurance.

• 29:38Caleb Hammer?

  Or an emergency fund.

• 29:40Speaker 03

  But how many people have that type of?

• 29:42Caleb Hammer?

  Doesn't matter. That doesn't mean it's responsible.

• 29:44Speaker 03

  Is it responsible to open the credit card to take?

• 29:50Caleb Hammer?

  You did the thing that you would do because you were irresponsible. You did the thing you had to do because you don't get into a situation where you are responsible for another thing's life until you can take care of an emergency. It's as easy as fucking that.

• 30:05Speaker 03

  It's not that easy.

• 30:06Caleb Hammer?

  Yes, it absolutely is. Absolutely. You put yourself and your desire to have a dog over your ability to take care of it. Absolutely.

• 30:16Speaker 03

  Well, another one of it was.

• 30:17Caleb Hammer?

  And it's selfish.

• 30:18Speaker 03

  So, physical therapy. That was gonna be another charge, which.

• 30:21Caleb Hammer?

  Okay.

• 30:22Speaker 03

  So, I didn't do that.

• 30:22Caleb Hammer?

  So, how much of this is the?

• 30:23Speaker 03

  I did that myself.

• 30:26Caleb Hammer?

  What? What are you? Okay, yeah. Where's your qualifications for physical therapy?

• 30:31Speaker 03

  I made it myself. I got stamp my own approval. YouTube did this and that. Got her all this great food. I just, to get her to walk.

• 30:38Caleb Hammer?

  Great food?

• 30:39Speaker 03

  Yeah.

• 30:39Caleb Hammer?

  Okay.

• 30:40Speaker 03

  To get her to walk again, run, jump.

• 30:41Caleb Hammer?

  Oh, your dog's physical therapy?

• 30:43Speaker 03

  Yeah, yeah, yeah.

• 30:43Caleb Hammer?

  Knock yourself after your knives.

• 30:45Speaker 03

  Oh, no, no, no.

• 30:46Caleb Hammer?

  The night of the long knives.

• 30:47Speaker 03

  That's all. That was part of it. She got farmer's dog food. She got all the different supplements. She got, I mean, I was just, let's go, girl.

• 30:53Caleb Hammer?

  Which I appreciate. I appreciate.

• 30:55Speaker 03

  You're eating good.

• 30:55Caleb Hammer?

  You couldn't afford the physical therapy. You couldn't afford it. It's as simple as that. So, it's not like you had really a choice. You kinda did this on your own regardless. Like, this is, I mean, you were forced into that position. Well, this is pretty fucking exciting for the world of financial audit.

• 31:09Speaker 03

  Something big, Mar.

• 31:11Caleb Hammer?

  Nearly sixty thousand of you have downloaded my budgeting app, Simpler Budget, in just a few weeks of its launch. And let me tell you, we've heard amazing feedback. People are enjoying the automatic account connections. People are enjoying the community chat. People are enjoying building their budget, sticking to it, and actually changing their lives finally for the first time.

• 31:35Caleb Hammer?

  So download the simpler budget app today. Join the 60,000 people who are literally changing their lives for the first time. Literally, this gives you control of your financial future once and for all. So download simpler budget today. And remember, anyone who signs up for the annual version of the app at a massive discount, you also get shipped this simpler budget notebook, which will be personally signed by me. So check it out. Download simpler budget today. Listen, you spent more than double than you bring and you do not leave this studio until you download my budgeting app, the simpler budget app.

• 32:11Speaker 03

  Okay.

• 32:12Caleb Hammer?

  We made it specifically for people like you and everyone in the audience and for myself. It's the one everyone on my team uses. It automatically connects all your accounts. So no more excuses. You'll know exactly what you spent on each category that you set up. It is not, it is no longer a option. You get in there, also use the community feature. Talk to everyone that's in there. Post your failures, post your wins, be engaged. There is no longer an excuse. You will know your numbers down to the cent when you come on. Okay, next time here, take this.

• 32:45Caleb Hammer?

  When you come back on for a follow up, this is our founders edition, simpler budget, founders edition notebook.

• 32:51Speaker 03

  Thank you.

• 32:52Caleb Hammer?

  You need to journal your entire budgeting journey and I will read that when you come back on. I will scan and you cannot this up. You'll get that for free. Everyone that signs up for the annual version and everything, they get assigned addition shipped to them, which is pretty nice, but you get that for free. So take that seriously.

• 33:07Speaker 03

  I will.

• 33:07Caleb Hammer?

  Don't this up.

• 33:08Speaker 03

  I'm not actually take growing seriously. It's like, well, that's where I found my dog.

• 33:12Caleb Hammer?

  Huh?

• 33:12Speaker 03

  I used to grow a lot of too. It's like that's, I found my dog. I took that real serious. That was a legit job.

• 33:18Caleb Hammer?

  Okay.

• 33:19Speaker 03

  So.

• 33:19Caleb Hammer?

  Cool.

• 33:23Caleb Hammer?

  Okay. Why are we spending on a credit card that we can't fully pay off that, well, it actually isn't accruing interest surprisingly.

• 33:32Speaker 03

  And that was also part of the mentality too. I was like, oh, I'm going to figure this out within the time I have before the interest hits.

• 33:38Caleb Hammer?

  Okay, the time you have is like five months.

• 33:40Speaker 03

  And then, excuse me, I'm a.

• 33:44Caleb Hammer?

  How much do you have to spend? How much do you have to put towards this to pay it off before the interest starts accruing?

• 33:50Speaker 03

  Interest starts accruing like uh May 1st?

• 33:54Caleb Hammer?

  No.

• 33:55Speaker 03

  Wait, what?

• 33:56Caleb Hammer?

  I just told you in five, oh, I just told you in five months.

• 34:00Caleb Hammer?

  Okay, okay. 5,000 hours a month is what you have to put towards it so that it's paid off before interest starts accruing. You make 4,200 hours a month. So that's not happening, so why are we putting more money on this card than we are putting away from it? Yeah, let's just do minimum monthly payment without even purchasing. How long does this take to pay off the card? Minimum monthly payments only, which is all you do, without purchasing what you're incapable of, but go ahead. Best case scenario for you.

• 34:26Speaker 03

  I don't know, what's that like five years or something?

• 34:28Caleb Hammer?

  Five years? Yeah, 28 years. Yeah, you'll be getting freshly out of jail by then.

• 34:37Speaker 03

  Yeah.

• 34:40Speaker 03

  That's rough.

• 34:42Caleb Hammer?

  Yes.

• 34:42Speaker 03

  But without the interest.

• 34:43Caleb Hammer?

  You'll literally be 60.

• 34:45Speaker 03

  No, because the plan was is I passed everything.

• 34:48Caleb Hammer?

  Oh, the plan.

• 34:48Speaker 03

  The plan.

• 34:49Caleb Hammer?

  The master plan.

• 34:50Speaker 03

  The master plan.

• 34:51Caleb Hammer?

  Okay, let's hear this plan. This grand plan.

• 34:54Speaker 03

  I passed everything I need to do for a California real estate license.

• 34:57Caleb Hammer?

  Oh, good. Absolutely good.

• 35:00Speaker 03

  Because of this.

• 35:01Caleb Hammer?

  And it's like the most competitive real estate market anyway. That's where everyone wants to do real. Yes, yes, please continue with this plan.

• 35:07Speaker 03

  But also part of this little incident that's going on with with the money and whatnot, it's held up the state of California from issuing me my license. Which, bringing back up the conversation from earlier, when I was talking about a civil suit, the money that I might have to pay so and so.

• 35:26Caleb Hammer?

  Civil, so it is civil. It's not criminal.

• 35:28Speaker 03

  Well, no, it hasn't gone civil yet.

• 35:31Speaker 03

  Which it might it might go there based on on, like I said, I have a real estate license I should have. I should have had it April last year. But because it looks like this, they won't give it to me. So that's a loss of income on my end, which.

• 35:46Caleb Hammer?

  Loss of income, but it takes like a year to even make your first commission.

• 35:49Speaker 03

  Part of it, part of it.

• 35:51Caleb Hammer?

  And that's if you can even do it, man. If I showed up to, if I had you, if I was selling my house and you were walking someone in to visit it, I'm thinking you were leaving with my silverware.

• 36:04Speaker 03

  What makes you say that?

• 36:05Caleb Hammer?

  Yes, what makes me say that?

• 36:07Speaker 03

  A few things.

• 36:10Speaker 03

  But also, there's also uh some properties in the family. I thought about property management.

• 36:14Caleb Hammer?

  Property in the family?

• 36:15Speaker 03

  Yeah, my dad has.

• 36:17Caleb Hammer?

  This is the family? Is this the gang family or?

• 36:18Speaker 03

  Uh, whatever. It's the last name, my family. People, they own a business.

• 36:23Caleb Hammer?

  Do they support you?

• 36:24Speaker 03

  Like, like what?

• 36:25Caleb Hammer?

  Financially.

• 36:27Speaker 03

  I rent from my dad. He gives me twenty percent less than uh what he says.

• 36:32Caleb Hammer?

  What's your rent?

• 36:33Speaker 03

  Twelve hundred.

• 36:35Caleb Hammer?

  And you can't live off of forty-two hundred dollars in net?

• 36:42Speaker 03

  I mean, I could if I was budgeted and financed and.

• 36:44Caleb Hammer?

  Well, yeah, which is your choice.

• 36:46Speaker 03

  True, but I didn't want to.

• 36:49Caleb Hammer?

  Okay, what the can I do about that?

• 36:52Speaker 03

  Well, now we're here, because I want to, right? So there's things that I need to clean up and uh.

• 36:59Speaker 03

  It's, it got a little messy and I can't clean myself this up myself and the people that I have like on in my corner, I guess, they can't help me do it. This is a.

• 37:08Caleb Hammer?

  Well, they can't. Exactly. That's what I'm saying. So what are we even doing here? What are you trying to get out of this?

• 37:14Speaker 03

  I need to know what, what the best option for me is besides the debt that I might incur, but as far as like paying things off, I know. I was under the impression, what if I balance transfer one card, get a high percentage loan, pay them off and just kind of cut the bull.

• 37:29Caleb Hammer?

  No, because that doesn't make sense. I mean, sure, if you cut the bull, the fact is, I have every guest almost that's come on the show is they've done that. And they were gonna cut the bull and then they don't. So it doesn't matter. Then you just have double the debt. Because you take all this debt, you consolidate it, and you just build it all the way back up again because you have unlimited spending on this twenty-five thousand dollar credit limit. And you get it all the way back up, then instead of twenty-five, you now have fifty thousand dollars of debt for the same exact card. That's exactly what happens. You are an under credit card person. You can't manage debt. You can't manage having access to other people's money. You can't for a single second and it is fucking you. It is destroying you.

• 38:09Caleb Hammer?

  You can use the Fizz card, debit card that builds credit, because I know the excuse is always, I don't have the credit. If I close the credit card, I want to. But I, yes, and I care about credit, but you will, so you are hurting yourself.

• 38:21Speaker 03

  I know that. It hurts. I feel it. So also, my dad being a businessman, I always thought that, okay, he, you know, he showed me some things here and there. But I also never, I really got into it to like actually learn from him. The family business isn't something that I.

• 38:34Caleb Hammer?

  You seem like a rich cunt.

• 38:35Speaker 03

  Whoa, no, actually not.

• 38:37Caleb Hammer?

  A rich son's kid.

• 38:40Speaker 03

  I'm not rich. I guess my dad's wealthy.

• 38:41Caleb Hammer?

  No, which son's kid?

• 38:44Speaker 03

  I grew up with some, with some money.

• 38:46Caleb Hammer?

  Yes, you seem like that because

• 38:50Caleb Hammer?

  it was just, I don't know, every stereotype of a rich son's kid that ends up being a failure, you're living it.

• 38:58Speaker 03

  I can't say like a rich son kid being a failure. I didn't necessarily like, I wasn't spoiled, you know what I mean? Like, oh, given this, cars, this and that. I was always given opportunities. He never, he was, he's a, he's a hell's angel, dude. He's gnarly. He, you know what I mean? He's.

• 39:13Caleb Hammer?

  Am I about to?

• 39:14Speaker 00

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• 39:43Caleb Hammer?

  Get my fucking knees?

• 39:44Speaker 03

  No, of course not. He's like, he's a straight, a straight dude, but at the same time, like, growing up with a dad like that and a mom that was on, it was just, it was different. So my dad, he was, his business came first. Yeah, we came second, but he couldn't pay for us or take care of the things he needed to do unless business was doing good.

• 39:59Caleb Hammer?

  Is the point of having a business done if you're not taking care of those around you that you love?

• 40:02Speaker 03

  I mean, for, for example, like, I mean, my, I mean, my own sisters, I got sisters.

• 40:07Caleb Hammer?

  You're about to say son.

• 40:08Speaker 03

  No, my sisters.

• 40:09Caleb Hammer?

  Do you have kids?

• 40:10Speaker 03

  No kids.

• 40:11Caleb Hammer?

  Okay.

• 40:12Speaker 03

  Like, yeah, when I was young, he sent me to a boarding school.

• 40:15Caleb Hammer?

  Yeah.

• 40:16Speaker 03

  But I wasn't a rich spoiled kid then. All I was, this is when I first started hustling.

• 40:20Caleb Hammer?

  I think that's the reason you were probably a son.

• 40:22Speaker 03

  Years old and I was selling outside school.

• 40:24Caleb Hammer?

  Yeah.

• 40:25Speaker 03

  That's.

• 40:26Caleb Hammer?

  We, we, we, we.

• 40:27Speaker 03

  You get sent to boarding school for that?

• 40:31Caleb Hammer?

  Yes.

• 40:32Speaker 03

  I'd have been like, yo, well, I would have, that was my kid, I would have bought him potato chips, yo, sell potato chips at school. He grew up selling Bazooka Bubble Gum at school. And that turned into, you know, other things. I was like, at the same time, it's like, smack me over the head, send me to a boarding school instead of saying, hey, I see what you're trying to do here, but this isn't the way. You know, I'm not saying he, he owed me that, but there's different ways I think.

• 40:55Caleb Hammer?

  I don't know. I mean, we're hearing your side of it. My best guess, if I have to play devil's advocate and put me in his shoes is, mom was no longer in the picture because of all those issues. Uh, dude was trying to provide, but his business took so much from him, didn't know what to do with you, probably gave it multiple attempts and eventually gave up and tried to put you in a system that might correct your behavior.

• 41:17Speaker 03

  Yeah, that's not, that's not a rich kid in, you know, situation right there in a boarding school. It's like.

• 41:22Caleb Hammer?

  Well, I mean, that part doesn't matter. I don't know.

• 41:24Speaker 03

  It was.

• 41:25Caleb Hammer?

  He sent you off to a school because you were a failure.

• 41:27Speaker 03

  How you failure at 15 years old?

• 41:29Caleb Hammer?

  Because you're selling.

• 41:30Speaker 03

  That's not failure, you're trying to succeed.

• 41:32Caleb Hammer?

  Listen, there's not a single person I know that I went to school with that was a pothead that's successful now.

• 41:37Speaker 03

  Pothead, I was selling it. I didn't say smoking. So you just.

• 41:40Caleb Hammer?

  They usually do.

• 41:41Speaker 03

  Actually.

• 41:42Caleb Hammer?

  High school at least.

• 41:43Speaker 03

  I was so smooth with it.

• 41:45Caleb Hammer?

  Yeah. Well, we know, okay. Listen, you're still spending on this credit card like crazy. Amazon, McDonald's, El Gran Amigo, Grubhubbing Wendy's. I didn't know people use Grubhub, I'll be honest. It's like, that's like new for this show.

• 42:00Speaker 03

  I guess Prime gives you some type of benefit. That's how, that's how that popped up. I was like, cool, why not?

• 42:06Caleb Hammer?

  You're using that to get Wendy's with money you don't have because you're in a desperate amount of debt. And you have to pay this off in five months in order to not accrue any interest and you have no choice of actually even, no chance of even doing that. You went and got some bullshit in the gas station, McDonald's, Zeta Mark, Amazon, McDonald's.

• 42:28Caleb Hammer?

  Spent is ridiculous. How are you ever gonna get out of debt if we're just putting everything right back on?

• 42:35Speaker 03

  I have to do some.

• 42:37Caleb Hammer?

  What, you have to do something?

• 42:39Speaker 03

  Yeah.

• 42:40Caleb Hammer?

  And that's something that's Grubhubbing?

• 42:42Speaker 03

  I gotta eat. So, you know what I mean? Whether you, whether you're.

• 42:45Caleb Hammer?

  I'm gonna just kill myself.

• 42:47Speaker 03

  But eat before you do it, at least, if anything, don't die hungry.

• 42:54Caleb Hammer?

  It's just, I don't understand. You live in an area with a thousand, with two Whole Foods per one person. You can grocery shop and cook.

• 43:05Speaker 03

  I do.

• 43:07Caleb Hammer?

  Then what is this I need to eat? And that's our excuse for Grubhub and ourselves ignoring your debt.

• 43:13Speaker 03

  I have to eat.

• 43:14Caleb Hammer?

  Then what the, why say that then, you kid?

• 43:17Speaker 03

  That situation that day or whatever, I mean, cooking wasn't an option or wasn't gonna work out. So you know what I mean?

• 43:22Caleb Hammer?

  I'm gonna give you an example. Once this balance starts accruing interest, that is gonna be 22.24%. Let's do some math. 25,000.

• 43:39Caleb Hammer?

  That is gonna be $5,560 a year added in interest that is being taken from you. You're losing over a month's worth of your own income in just one interest on one card. I'm gonna give you another example for the money you make. When I started getting my finances in order, I wish I had today's tools. They would have not only helped me get ahead, but also stay on track. So if you're a college student or just not a credit card person like I was, meet today's sponsor, the Fizz Card. It's a debit card that not only helps you build your credit, but also manage your money. With Fizz, say goodbye to hidden fees, hard pulls, or killer interest rates. It's purely a debit card that helps you build your credit. And here's my favorite part. Fizz syncs with your bank account and sets spending limits based on your actual balance.

• 44:23Caleb Hammer?

  That means no more blowing your budget on tequila trips or impulse purchases. Fizz isn't just about keeping your budget tight. It's about building your credit and rewarding you with cash back on your everyday spending. So, ready to build your credit the easy way with no stress, no debt, no hidden nonsense? Head over to joinfizz.com/khaleb or click the link in the description below. Fizz has both a free and a paid membership tier. If you want to become a Fizz member, there's no hidden costs or interest, just an upfront membership fee. And hey, just for my audience, the next 10,000 people to sign up with code HAMMER25, get an extra 25% off. So try out Fizz today and let me know what you think. Um, that's the new thing I negotiated. Uh, so I use an app called Moon to invest. Okay,

• 45:08Caleb Hammer?

  cool. So you take $2,000. You put it in there. That's when you put $2,000 in, they literally give you an immediate $250, which is a great return on your investment. That's like 8% or something like that. It's pretty darn close. And then you get an additional 8% on your money, literally just sitting there. You're getting a 16% return on your money. That is better than you get in the stock market on average. That is an incredible return and credible benefit of literally just using that app. Great. So let's do it. But it doesn't matter because you are losing 22.24%. Listen, that is the best benefit I've ever seen using an app. Cause they want new users. So whatever. So they make that little promotion. Great. You can't even compete with

• 45:50Caleb Hammer?

  that because of how bad your interest rate is on this credit card. So there's no point. You can't even utilize the literal best returning.

• 45:58Speaker 03

  I can utilize the, I can utilize the card.

• 46:00Caleb Hammer?

  Doesn't matter though. The card, the credit card?

• 46:02Speaker 03

  Yeah.

• 46:03Caleb Hammer?

  Shut the, I'm gonna kill. Edge, edge.

• 46:07Speaker 03

  I went to a few concerts.

• 46:08Caleb Hammer?

  Edge, Slate Edge, Slate Edge. Let's talk about that because.

• 46:11Speaker 03

  Slate Edge?

• 46:14Speaker 03

  Blink 182. I had to go see them last year.

• 46:19Caleb Hammer?

  With Slate Edge?

• 46:21Speaker 03

  I think it was on that one. I, you know, I was just kinda, I wanted to go see some shows last year and so it was.

• 46:27Caleb Hammer?

  I saw them last year too. Sure. I felt like an emo teenager. Okay, great. I didn't go into debt for it like a.

• 46:35Speaker 03

  It was fun. And I brought a girl and I paid for it all. So.

• 46:40Caleb Hammer?

  Wow, I'm proud of you. You're almost acting like someone who just turned an adult.

• 46:45Speaker 03

  Well, no, I was also coming off a divorce, you know, wanting to date again.

• 46:48Caleb Hammer?

  Said the word divorce. I didn't even like fully internalized that earlier. So you were married.

• 46:53Speaker 03

  I was married to a psycho, bro.

• 46:56Caleb Hammer?

  Yes.

• 46:57Speaker 03

  Real talk.

• 46:58Caleb Hammer?

  Her.

• 46:59Speaker 03

  I mean, I could be psycho too, you know, so maybe two psychos together probably, you know, I don't know.

• 47:04Caleb Hammer?

  How long were you married?

• 47:05Speaker 03

  A year.

• 47:07Caleb Hammer?

  Oh my gosh. When did you get divorced?

• 47:12Speaker 03

  October of 2023.

• 47:14Caleb Hammer?

  Why'd you get divorced?

• 47:17Speaker 03

  Ah, just not healthy. It's not. We're two people that just should not have been married.

• 47:21Caleb Hammer?

  Go on.

• 47:23Speaker 03

  Just toxic, bad.

• 47:26Caleb Hammer?

  Go on.

• 47:29Speaker 03

  Cases, police called, fake things.

• 47:33Caleb Hammer?

  Who stabbed who?

• 47:35Speaker 03

  Nobody stabbed anybody. She, she did things to me that I never, you know, reported and whatnot and I was.

• 47:41Caleb Hammer?

  This is an Amber Heard Johnny Depp situation? What are we talking about?

• 47:45Speaker 03

  Yeah. It was like something just.

• 47:47Caleb Hammer?

  And whose side will the public be on?

• 47:49Speaker 03

  Oh, mine. All day.

• 47:50Caleb Hammer?

  Really?

• 47:50Speaker 03

  Yeah. No, it was like, I know, beautiful, beautiful girl, uh, woman, whatever, um, she's cool. And learned a lot, but when it, when it was all said and done, there was like some real turmoil that kinda was like, it was, it was bad.

• 48:03Caleb Hammer?

  Okay. What was their financial implications to the divorce?

• 48:06Speaker 03

  Oh, she was, she made nothing. She made three hundred thousand a year and got bonuses and I was living at her place. I, I didn't really have the career. I was kinda.

• 48:16Caleb Hammer?

  So the financial implications, you had to get the fuck out and had to live on your own?

• 48:21Speaker 03

  I had nothing. Yeah. I didn't even have a bed or nothing. So when I divorced and moved out.

• 48:25Caleb Hammer?

  Then you took a lady too.

• 48:28Speaker 03

  Blink one eighty two?

• 48:29Caleb Hammer?

  Blink one eighty two.

• 48:30Speaker 03

  And I also had to buy things for my, my place.

• 48:32Caleb Hammer?

  Yeah, but we.

• 48:33Speaker 03

  I bought a bed, dressers and.

• 48:35Caleb Hammer?

  Yeah, you can get a mattress.

• 48:37Speaker 03

  I bought supreme salt and pepper.

• 48:39Caleb Hammer?

  There's a lot of, and that's fine. There's a lot of cheap ways to move into a place that a lot of people, people feel like they have to deck out their place immediately. Even with you stuff, you don't have to do that. Matt just on the ground and just some couple of things to co hang. It's like, it's so easy. If you really are living on the chill.

• 48:54Speaker 03

  True. Like she was in the middle of building a business for herself.

• 48:57Caleb Hammer?

  Who's she?

• 48:57Speaker 03

  My, my ex-wife.

• 48:59Caleb Hammer?

  Okay.

• 49:00Speaker 03

  Also like when all this.

• 49:01Caleb Hammer?

  About you moving, but sure.

• 49:02Speaker 03

  Right. So going, moving, all my.

• 49:05Caleb Hammer?

  Talking to the mic.

• 49:05Speaker 03

  That, all the things that I had, that I had acquired that I guess she had paid for. I didn't get to keep any of them. So I guess.

• 49:11Caleb Hammer?

  That doesn't change my point. Uh, what?

• 49:14Speaker 03

  So I guess the style of living, when I was living with her versus living on my own and how I was raised, I was like, oh, I wanted these nicer things instead of, you know, a basic bed, a this or that. It was like, oh, no, I wanna be comfortable. I wanna be happy or whatever.

• 49:29Caleb Hammer?

  Want, want, want, want.

• 49:30Speaker 03

  Yeah, a lot of wants, bro.

• 49:31Caleb Hammer?

  I don't give a.

• 49:32Speaker 03

  I want it all.

• 49:34Caleb Hammer?

  And I want to be done with this conversation.

• 49:36Speaker 03

  No.

• 49:36Caleb Hammer?

  Five thousand four hundred ninety seven dollars. And, sorry, that was your previous balance, four thousand four hundred sixty one dollars and ninety seven cents. Great progress is now the balance with a fifty four dollar minimum payment. Why was it little progress? Cause purchases, we're purchasing. Why the are we purchasing on a card again? Which is almost at its max, it's like a hundred fifty bucks away, a hundred forty. Why the, why delay this even more? This is interest free, this is interest free, this is interest free until November.

• 50:08Speaker 03

  I wanted some tattoos.

• 50:09Caleb Hammer?

  Eight months to do, this is for tattoos? We have five thousand four hundred sixty one dollars and ninety seven cents for tat tattoos.

• 50:15Speaker 03

  Oh, I mean, not.

• 50:16Caleb Hammer?

  Eight months to pay it off.

• 50:17Speaker 03

  You gotta get a couple here and there and.

• 50:18Caleb Hammer?

  Do you, you have to get a couple here and there, no? I don't think you have to get a couple.

• 50:23Speaker 03

  Well, I had to get the ex's name covered up, you know, that was.

• 50:26Caleb Hammer?

  You had your ex of one year, oh my. Yeah, she was the toxic one, okay.

• 50:31Speaker 03

  Bro, you ready, you want a cherry on top?

• 50:34Caleb Hammer?

  A cherry on top of what?

• 50:35Speaker 03

  So she had my initials and I had hers, right?

• 50:37Caleb Hammer?

  Okay.

• 50:38Speaker 03

  She already had two other dudes on her that, once we got married.

• 50:42Caleb Hammer?

  Usually we call that a red flag and probably don't get tattooed their name on our body.

• 50:46Speaker 03

  Yeah, yep.

• 50:49Caleb Hammer?

  How long were you guys dating before? String of good decisions?

• 50:53Speaker 03

  A, a little over a year.

• 50:55Caleb Hammer?

  Okay.

• 50:56Speaker 03

  So we engaged at like seven months.

• 50:59Caleb Hammer?

  Might be a bit fast.

• 51:01Speaker 03

  Very fast. I think just where I was at and where she was, it was like, okay.

• 51:06Caleb Hammer?

  Where I was at, I feel like I've heard where I was at or where I'm at. I was, I don't understand, like, we've all had periods of life, but do you just view your entire fucking life as like chapters for each few months of that's where I was at?

• 51:20Speaker 03

  No, that's how it's been, it's almost been like a fucking cartoon show and it's just a season and there's all these.

• 51:24Caleb Hammer?

  In your control.

• 51:26Speaker 03

  All these different characters.

• 51:27Caleb Hammer?

  The mom situation before, everything else you've talked about has been in your control.

• 51:32Speaker 03

  I mean, by, besides the crazy dudes, I thought, you know, he needs to die.

• 51:35Caleb Hammer?

  It was your control to be a part of the gang.

• 51:37Speaker 03

  It was not a gang.

• 51:38Caleb Hammer?

  It was your control, part of, it could be, deal illegal substances was your choice.

• 51:43Speaker 03

  Yeah.

• 51:44Caleb Hammer?

  And there are consequences that come with that world. You dealt with almost the worst of it.

• 51:49Speaker 03

  Yeah.

• 51:50Caleb Hammer?

  But it was still your choice to do that immoral illegal shit.

• 51:54Speaker 03

  Correct, but.

• 51:55Caleb Hammer?

  So I don't know, man. Like, I don't, I of course have sympathy that you almost died.

• 52:01Speaker 03

  No, no, there's no sympathy for that.

• 52:03Caleb Hammer?

  No, I have sympathy for that because you're a human being. You almost died. Of course I have sympathy for that. But it was still your choice to get into.

• 52:09Speaker 03

  To be in that situation, correct. But at the same time, just the actual aspect of it, like.

• 52:15Caleb Hammer?

  Cafe and you went into a thing and got a pack of zins. It's like, okay, it's this, you have to put six hundred eighty two dollars to this on a monthly basis. So now we're at five thousand six hundred eighty two dollars a monthly basis in order to not accrue interest on the card so far. I mean,

• 52:34Caleb Hammer?

  this is brutal, man. It takes seventeen years to pay off. Just doing minimum to pay, just doing minimum monthly payments only without any additional purchases.

• 52:44Speaker 03

  I was gonna say, that's not the plan, but there really isn't a plan. I always thought like, oh, I'm just.

• 52:47Caleb Hammer?

  Plan, the plan was real estate. So I don't know what the.

• 52:51Caleb Hammer?

  So what's the new plan without real estate then?

• 52:53Speaker 03

  I, you know, I was kind of hitting rock bottom and I wasn't sure. I was like, whatever's going on, I need to, uh, get a handle on my finances.

• 53:00Caleb Hammer?

  I'm gonna sit you down with a therapist for free at Sounder Mind. It's a lovely resource that I, we have here that our audience, that myself, that I use. And I'll also get you connected with a free certification from Course Careers. So that you can utilize that, put it on a resume, hopefully get into a career field of your choice.

• 53:15Speaker 03

  As I do have people, you know, in my, in my hometown that, uh, they know me.

• 53:19Caleb Hammer?

  Take advantage of these tools that you put in the work and get the results out of it.

• 53:21Speaker 03

  I will. Cause I do have people that want to hang my license. They're like, they asked me, hey, what's the deal? You know, you getting your license anytime soon? I'm like, I mean, I, I call my girl, you know, whatever, Wendy up at, you know.

• 53:32Caleb Hammer?

  No, that's you grubhubbing Wendy's. You're getting it confused.

• 53:35Speaker 03

  I was good. Up in the D R E and she's, oh, we need this information, this information. So it's all working out. And I think I'll either end up getting it in the next month or two, or possibly have a suspended one where it's only good for two years.

• 53:46Caleb Hammer?

  Isn't something I want you to get into until you have less risk over your head. Cause it still takes a year, if not more.

• 53:51Speaker 03

  So in the meantime, like, what, I picked up, so the other one with the, with the, with my back, I can't even do Uber Eats. I can't even.

• 53:57Caleb Hammer?

  Your back?

• 53:58Speaker 03

  With my background check. When that pops up.

• 54:00Caleb Hammer?

  Yeah, because you're a fucking criminal.

• 54:02Speaker 03

  No, no, you know, I can't do Uber Eats, can't do McDonald's and things like that. So I get the under the table for my friend. That's like the first thing I've had to.

• 54:10Caleb Hammer?

  Yeah. What about your little tech job though? That under the table too?

• 54:13Speaker 03

  What tech job?

• 54:15Caleb Hammer?

  Wait, you do car tech, right?

• 54:17Speaker 03

  No, no, no.

• 54:18Caleb Hammer?

  What is the job, your main job?

• 54:20Speaker 03

  Oh, I make high-performance motorcycle parts.

• 54:22Caleb Hammer?

  Yeah, okay, that, what about that? Is that under the table?

• 54:24Speaker 03

  No, that's legit. That's a, that's a family business.

• 54:27Caleb Hammer?

  So use that. So, someone else's family?

• 54:33Caleb Hammer?

  That's your family?

• 54:34Speaker 03

  Yeah. If I didn't have that, I mean, like, you know, I, who knows? That was part of my pops, who's like, you know, an opportunity here, here's a place for you to work. Use it as a stepping stone. You don't have, you know? If you want to make a career out of this, go for it. If not, then just.

• 54:54Caleb Hammer?

  I just want you to go out there and.

• 54:56Speaker 03

  I gotta figure out what I want to do.

• 54:57Caleb Hammer?

  Oh, yes, figure out what you want to do, but I want you to show really good behavior for as long as you can to try to get this off your record quicker.

• 55:03Speaker 03

  Right on. Yeah, I'm.

• 55:06Caleb Hammer?

  Cause it is gonna hold you back. It legitimately is. The quicker we can get it gone. You were supposed to put, uh, uh, this.

• 55:17Caleb Hammer?

  Listen, you came on to

• 55:21Caleb Hammer?

  literally the most popular personal financial show on the internet. Like, that's not a brag. This is a point that I'm trying to make.

• 55:27Speaker 03

  Okay.

• 55:28Caleb Hammer?

  You went on and came and said, but even though I was found liable for that, I wasn't actually drunk. So you refuse to admit that you made a mistake. But we want to get to a point where we can hopefully get this off your record. You're not helping yourself.

• 55:45Caleb Hammer?

  And we literally, for context, talked to the guest before, be like, hey, what can we not talk about? That could have been something. And yet you just come and say that to try to look good, to be like, oh, it's not me, I'm perfect. That's not helping you.

• 56:00Speaker 03

  No, I'm not trying to look good. I'm far from perfect.

• 56:02Caleb Hammer?

  Then why not admit that you were fucking driving drunk?

• 56:06Speaker 03

  I was, but, and.

• 56:09Caleb Hammer?

  Thank you, but also what the was that from before?

• 56:12Speaker 03

  So I couldn't get any Ubers. They're all canceling on me that night.

• 56:15Caleb Hammer?

  Oh, so now we're making excuses. You still chose to drive.

• 56:19Speaker 03

  I chilled in my truck for a couple hours.

• 56:21Caleb Hammer?

  You couldn't get any Ubers in the Bay area? Off.

• 56:23Speaker 03

  I showed my lawyer everything. I had multiple cans.

• 56:26Caleb Hammer?

  No, no, you keep going until you get more. You use every service. You call a fucking taxi if you have to. Family, friends, you do everything and then you'll walk or take the bus.

• 56:36Speaker 03

  As far as to didn't call family or friends. I didn't walk.

• 56:39Caleb Hammer?

  Sleep in the damn car then?

• 56:41Speaker 03

  I was about to. I got up some food. I was chilling and I could not walk.

• 56:44Speaker 00

  Now, more than ever, we need someone on our side, but Rob Whitman? Whitman's votes drove up costs, cut Medicaid and risked 350,000 Virginians healthcare to pay for tax breaks for himself and his donors. He's not on our side. Shannon Taylor will fight corruption, cut taxes and bring down costs. This November, vote for Shannon Taylor. She's for us. Paid for by HMP, the HouseMajorityPac.com, not authorized by any candidate or candidate's committee.

• 57:13Caleb Hammer?

  This guy's other people's life. It's disgusting.

• 57:15Speaker 03

  I agree with that one.

• 57:16Caleb Hammer?

  You agree, yet you did it.

• 57:19Speaker 03

  I gotta agree with that one because, you know.

• 57:20Caleb Hammer?

  Yeah, you did it. Can you get more hours with the family business since it's your family? How many hours a week are you working again?

• 57:27Speaker 03

  Forty.

• 57:28Caleb Hammer?

  Can you get more hours at the week since it's family?

• 57:30Speaker 03

  Possibly, but not necessarily. It all depends on business.

• 57:33Caleb Hammer?

  What the does that mean? That means nothing.

• 57:34Speaker 03

  You know, if it's busy one week, hey, can I, you know, work a couple extra hours? Yeah, but it's not like, oh, yeah, I can sit.

• 57:38Caleb Hammer?

  Do you do that?

• 57:39Speaker 03

  When, when it's needed.

• 57:40Caleb Hammer?

  Yeah. So you do do it when needed?

• 57:42Speaker 03

  Yes.

• 57:42Caleb Hammer?

  Okay.

• 57:46Caleb Hammer?

  Yeah, we just gotta stop. I mean, I have information here. Like you didn't just go to the concert. You went to Green Day and Smashing Pumpkins. You got 49er tickets, music festivals.

• 57:56Speaker 03

  Hey, whoa, whoa, don't, don't frown on that one, bro.

• 57:59Caleb Hammer?

  All the shit, like tattoos and bullshit. Music festivals?

• 58:01Speaker 03

  Tomorrowland?

• 58:03Caleb Hammer?

  You're right. It changed your life of having a pile of debt that you now have to sacrifice for literally fifteen years.

• 58:08Speaker 03

  I was ready to go again this year.

• 58:11Caleb Hammer?

  I'm sure you were, cuz you're an endless dump throughout every decision you make.

• 58:14Speaker 03

  I mean, you can't call me a dumb, cuz that's really fun.

• 58:17Caleb Hammer?

  Every decision you make. Fun can equal dumb. What are you talking about?

• 58:21Speaker 03

  Well, that wasn't dumb fun. That was like fun fun. There's dumb fun and there's fun fun.

• 58:26Caleb Hammer?

  It's put you in debt that's gonna take literally double your life to pay off. I like, if that isn't scary enough, then nothing's gonna change you. Nothing's gonna, nothing's gonna change you.

• 58:37Speaker 03

  These trips will. You go on, go to Tomorrowland, it'll change you.

• 58:44Speaker 03

  I'm, I'm serious.

• 58:45Caleb Hammer?

  I know you are, and that's what concerns me.

• 58:48Speaker 03

  I know. That's what concerns myself too. It's a...

• 58:51Caleb Hammer?

  Then change it.

• 58:52Speaker 03

  It is. I have... So, I didn't swipe it for Brazil this year because Tomorrowland, Tomorrowland's in Brazil. So, I went to Brazil last year. So, they're running it back this year, but next year it's in...

• 59:05Caleb Hammer?

  Wait, whoa, whoa, whoa.

• 59:07Speaker 03

  Tomorrowland's a huge music festival.

• 59:08Caleb Hammer?

  Yeah, I know. What did you just say? You're running it back?

• 59:14Speaker 03

  Oh, I think I'm gonna go to, they do it in Bangkok next year for the first time.

• 59:19Speaker 03

  So, I think.

• 59:20Caleb Hammer?

  So, you're missing the BBLs and you're getting some happy endings instead?

• 59:24Speaker 03

  No, I've always wanna go to Thailand. You could surf out there. There's a few other things you could do, and then there's Tomorrow, there's Tomorrowland out there too. So, like, why not? You could just check out a few different things.

• 59:32Caleb Hammer?

  Because you are historically someone with money and great decisions.

• 59:35Speaker 03

  And it was my birthday in October when I went too.

• 59:37Caleb Hammer?

  Knowing how quickly you move in with people, you're gonna marry a fucking ladyboy. Seven hundred and ninety-two dollars of purchases on this credit card. Now, for what it's worth, you actually paid off your previous month's balance on this card, which is a shockingly

• 59:57Caleb Hammer?

  demonstrated ability of good behavior through this entire mess of a conversation of finances. Cuz it is, but...

• 1:00:06Speaker 03

  It's almost like this table is a little messy, but you're right, but there's a straight line down the middle. So it's like I, I, I'll around over here, over there, but I need to just really stay down the straight line and sometimes.

• 1:00:14Caleb Hammer?

  Why this card?

• 1:00:16Speaker 03

  No, I'm just saying this, this table, just kind of using it as an example. It's like.

• 1:00:19Caleb Hammer?

  I got it. There's a line in the table.

• 1:00:21Speaker 03

  Oh, so distractions. I can had to really kind of cut out.

• 1:00:26Caleb Hammer?

  Yes, I can tell based on this conversation, historically, you've done a lot of lines.

• 1:00:30Speaker 03

  Never.

• 1:00:31Caleb Hammer?

  Uh huh.

• 1:00:32Speaker 03

  Swear. On the, on the.

• 1:00:34Caleb Hammer?

  Totally believe you.

• 1:00:35Speaker 03

  On the follow up.

• 1:00:35Caleb Hammer?

  You are someone that is trustworthy.

• 1:00:37Speaker 03

  We can do a, we can do a lie detector test.

• 1:00:42Speaker 03

  Never done it.

• 1:00:43Caleb Hammer?

  Why are you paying this card off, but not the rest? I'm just confused. Like, why are you choosing to?

• 1:00:49Speaker 03

  Was that the platinum we're talking about?

• 1:00:51Caleb Hammer?

  Yes, it is.

• 1:00:52Speaker 03

  The platinum has the highest, uh, interest rate. It's like something stupid.

• 1:00:57Caleb Hammer?

  So because the other ones are interest free, you don't care about them?

• 1:00:59Speaker 03

  I don't care, but I thought I should put the care into the ones that are gonna impact me first or greatly.

• 1:01:05Caleb Hammer?

  The previous month, you had a fourteen hundred eighty dollar balance. Was that recent purchases? Or was that a previous balance that existed and you were just continuing to pay it down?

• 1:01:12Speaker 03

  That continuing to pay.

• 1:01:14Caleb Hammer?

  Then why did we just put seven hundred ninety two dollars on here?

• 1:01:17Speaker 03

  That was to come to the show.

• 1:01:19Caleb Hammer?

  To here?

• 1:01:20Speaker 03

  Yeah.

• 1:01:22Speaker 03

  On the platinum? Yeah. That was my plane ticket.

• 1:01:25Caleb Hammer?

  Not all of it, dude. No, it fucking wasn't. And we, we reimburse.

• 1:01:28Speaker 03

  I've been, I've been reimbursed. Yeah, I'm just saying that.

• 1:01:31Caleb Hammer?

  No, we do afterwards and it covers the, what you purchased to get here. But no, it's not because there was an Uber trip that may have played into this. But then there was going to a gas station, getting some, there was an Uber trip that may play into this. Uh, you purchased something in a lounge. You didn't have to do that. Amazon was not for this. Apple or Apple Pay, Apple paying lids for a hat was not for this fucking show, you dumb.

• 1:01:55Speaker 03

  That was for.

• 1:01:55Caleb Hammer?

  And Apple subscription was not for the show, you dumb. McDonald's was not for the show, you dumb. Playstation Network was not for this show, you dumb Dornation was not for this Show, so don't say that bullshit X-Rod was not for the show, Grubhubbing L

• 1:02:14Speaker 03

  In reality, it's for the show.

• 1:02:16Caleb Hammer?

  Was not for the show.

• 1:02:17Speaker 03

  If I didn't do that, I would be on the show.

• 1:02:19Caleb Hammer?

  Show, going into gas hitting this is Zen's was not for the show, Uber Eats was not for the fucking show, Uber Eats is not for this Show, Disney Plus is not for this Show, Apple is not for this Show, what the There wasn't a There was no plane ticket on the show.

• 1:02:33Speaker 03

  Oh, so.

• 1:02:34Caleb Hammer?

  So this was a Lie, you're a Lie, you're a Liar.

• 1:02:38Speaker 03

  I just charged that. I thought you said seven hundred ninety.

• 1:02:40Caleb Hammer?

  Seven hundred dollars of purchases, not one were to get here.

• 1:02:45Speaker 03

  So that one hasn't posted on there there. So that was just a mistake.

• 1:02:48Caleb Hammer?

  So I'm talking about different ones.

• 1:02:50Speaker 03

  Okay, those ones are bull.

• 1:02:53Caleb Hammer?

  Did you just pop us in?

• 1:02:54Speaker 03

  I know, I was about to.

• 1:02:56Caleb Hammer?

  I, yes, I smell your minty disgustingness.

• 1:02:58Speaker 03

  That's not zen.

• 1:02:59Caleb Hammer?

  Huh? Come on, that's what I, oh. I hate that smell.

• 1:03:03Speaker 03

  I'm sorry.

• 1:03:03Caleb Hammer?

  Get it away, get it away, get it away, get it away. Illegal, illegal maneuver, illegal Maneuver, now you're fucking assaulting me, I'm pressing

• 1:03:12Speaker 03

  I asked beforehand, my bad.

• 1:03:14Caleb Hammer?

  If it could be in your pocket, I said yes.

• 1:03:17Speaker 03

  Oh, I had asked if I could pop one at some point.

• 1:03:20Caleb Hammer?

  Who'd you ask?

• 1:03:21Speaker 03

  Lindsay.

• 1:03:22Caleb Hammer?

  Well, Lindsay's betrayed me and my

• 1:03:25Speaker 03

  If you like it out, I'll get it out of room if you like, I apologize.

• 1:03:28Caleb Hammer?

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

• 1:04:13Caleb Hammer?

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

• 1:04:55Caleb 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. Ah, just, ah! Oh, go spit it out in the lobby! Oh, I'm disgusted. I'm disgusted right now. I didn't know I was gonna be attacked, attacked.

• 1:05:30Speaker 03

  You don't like fresh breath? First of all, mint?

• 1:05:32Caleb Hammer?

  You can get fresh breath via not mint. There are many flavored toothpastes. There's also no-flavored toothpaste. There's also fruit smells from Tic Tacs. There's a lot of-

• 1:05:43Speaker 03

  I had an apple one too, but-

• 1:05:44Caleb Hammer?

  Did you spit it out, you little animal?

• 1:05:46Speaker 03

  I did, and Lindsay took care of it.

• 1:05:49Speaker 03

  My apologies.

• 1:05:52Caleb Hammer?

  Creature, it's lingering, it's fucking lingering. Oh, I don't, I don't want, oh!

• 1:06:00Caleb Hammer?

  I am getting just absolutely, oh, oh!

• 1:06:04Speaker 03

  Is that a smelling, or is it just my-

• 1:06:06Caleb Hammer?

  Yeah, it's getting crazy because-

• 1:06:08Speaker 03

  Lingering.

• 1:06:08Caleb Hammer?

  Because for some reason, the one scent in this entire world that I cannot do has to be literally like the most pungent scent. Do you owe on this card still?

• 1:06:16Speaker 03

  The platinum?

• 1:06:17Caleb Hammer?

  Do you pay it off every month, or do you owe on it?

• 1:06:19Speaker 03

  No, I pay the platinum.

• 1:06:21Caleb Hammer?

  Okay.

• 1:06:27Caleb Hammer?

  You have a pay plan on

• 1:06:31Caleb Hammer?

  getting something to the Phoenix. But you paid it. No, you made it to zero.

• 1:06:36Caleb Hammer?

  Okay, Chase Freedom. Freedom to get locked up in chains and go to jail. And you do have that choice. Maybe stop fucking up, dude. Three thousand one hundred eight dollars and forty nine cents to go in. Kind of, it's close.

• 1:06:54Caleb Hammer?

  Forty dollar minimum to pay for it. Three thousand one hundred eight dollars and forty nine cents. Better not be fucking stupid. Okay, this is interest free. Did you just open all these cards? How are they all interest free? You must have just opened these recently.

• 1:07:05Speaker 03

  I opened the Slate Edge and the

• 1:07:10Speaker 03

  Amex every day last year.

• 1:07:14Caleb Hammer?

  Okay.

• 1:07:16Caleb Hammer?

  You paid it off last month. You did. And then you purchased three thousand one hundred eighty two, which you cannot pay off. That's impossible for you to pay off in a month because you don't make enough for that with your rented everything included.

• 1:07:29Caleb Hammer?

  So what the are we doing? Why put more on this card that you can pay off? You ruined the entire entire thing.

• 1:07:38Speaker 03

  What do you mean ruin the entire thing?

• 1:07:40Caleb Hammer?

  It will accrue interest if it's not interest free. Is it interest free? No, it's not.

• 1:07:46Speaker 03

  Not the Freedom one.

• 1:07:47Caleb Hammer?

  So you're gonna destroy the the whole purpose of this. Dude, it is all the dumbest fucking purchases.

• 1:07:56Speaker 03

  Some of them are dumb, but I mean, they're dumb to certain people. Like I said, there's some like you can't get those memories back. It's like, I'm gonna, I know I'm gonna be.

• 1:08:03Caleb Hammer?

  Memories, memories of fucking Sea Brewing and Fog City Java, Fog City Java. Going in and getting your mentees in, going in and getting your mentees in, going in and getting your mentees in. Kenny's Cafe, mentees in. Chiaro, Takiera, and going in and getting mentees in and Nick's Restaurant. These are some great memories, dude. These are great memories, man. Well, you're going in and getting some bullshit for sure. Fog City, that's a, that's a good memory is Fog City Java, mentees in and star of Vista.

• 1:08:33Speaker 03

  That me and my ex never did. Do, so I was like, and locked down whatever with Psycho Nut for a year.

• 1:08:39Caleb Hammer?

  Psycho Nut, what did you, why did you guys break up?

• 1:08:42Speaker 03

  Why?

• 1:08:43Caleb Hammer?

  Yeah, what was the, like, what was it?

• 1:08:47Speaker 03

  It was, honestly, we shouldn't even been married. So it was honestly, it was just some psych, some. Super deep sex buddy in reality. It wasn't like.

• 1:08:58Caleb Hammer?

  You guys are just.

• 1:08:59Speaker 03

  We were.

• 1:09:01Caleb Hammer?

  Okay.

• 1:09:01Speaker 03

  Yeah, I mean, that's.

• 1:09:02Caleb Hammer?

  Why'd you guys choose to get married then?

• 1:09:04Speaker 03

  As I've. It made sense. Honestly, it didn't make sense, but.

• 1:09:09Caleb Hammer?

  Did it make sense?

• 1:09:11Speaker 03

  I thought with how she was financially and where I was going, I was like, okay.

• 1:09:15Caleb Hammer?

  Money.

• 1:09:16Speaker 03

  I'm gonna.

• 1:09:17Caleb Hammer?

  Money talks.

• 1:09:20Speaker 03

  I'm gonna take care of what I need to take care of, which I have all these.

• 1:09:22Caleb Hammer?

  End. What was like, we are done.

• 1:09:25Speaker 03

  Oh, she she cheated. Oh, we were separated and she went for someone else right away.

• 1:09:29Caleb Hammer?

  You were separated.

• 1:09:30Speaker 03

  Yeah, so I still call it cheated. So it was like.

• 1:09:32Caleb Hammer?

  That's not how that works, I don't think, if you guys are done.

• 1:09:35Speaker 03

  We weren't done. We were separated. We weren't. We hadn't filed for divorce or anything. It was like she was like.

• 1:09:39Caleb Hammer?

  You're separated. Did you? But, okay, you were not legally, but emotionally, you guys were done.

• 1:09:46Speaker 03

  No, yeah.

• 1:09:46Caleb Hammer?

  You were separated. So you guys severed.

• 1:09:50Speaker 03

  Right.

• 1:09:51Caleb Hammer?

  Okay.

• 1:09:52Speaker 03

  She went out and someone else right away.

• 1:09:54Caleb Hammer?

  Well, because you guys weren't together.

• 1:09:56Speaker 03

  But we were like, we weren't.

• 1:09:57Caleb Hammer?

  You were legally married, but you were separated, meaning you guys broke up.

• 1:10:02Speaker 03

  Correct. But we were in the process of not like, okay, we're separated, but like this kid still work kind of, you know.

• 1:10:07Caleb Hammer?

  Oh, okay. Well, that's different. Okay, so she went out and.

• 1:10:11Speaker 03

  Threw it in my face.

• 1:10:13Caleb Hammer?

  Threw it in your face?

• 1:10:14Speaker 03

  Yeah, like, by the way, I went and got dick this weekend and it was liberating.

• 1:10:17Caleb Hammer?

  Oh, my gosh, you guys are. Okay.

• 1:10:19Speaker 03

  I was like, cool. Anyways.

• 1:10:20Caleb Hammer?

  Yeah, she sounds bad.

• 1:10:22Speaker 03

  We went. We went back and forth for for a little bit. And then I was just. Almost like a little codependency issue, too. It was just like, I was just. And then fighting with her. Literally.

• 1:10:41Speaker 03

  And then when she moved, that was another one. So she moved. She moved like two hours away.

• 1:10:45Caleb Hammer?

  Obviously, she was done with you. You weren't done with her.

• 1:10:48Speaker 03

  Yeah, but no, she went back and forth. It's like she would come down.

• 1:10:51Caleb Hammer?

  This is toxic. This is just. This is just.

• 1:10:53Speaker 03

  So I had. I bought a truck when I was with her. And that was one.

• 1:10:58Caleb Hammer?

  Okay.

• 1:10:59Speaker 03

  I had a Tacoma. We were gonna have kids and get a boat. I traded in my Tacoma.

• 1:11:02Caleb Hammer?

  California of you, yes.

• 1:11:03Speaker 03

  Traded in my Tacoma and got a Chevy. Once we divorced, I was riding around in a Chevy, which I loved. It was the car I wanted before I had the Tacoma.

• 1:11:12Caleb Hammer?

  Sure, I'm trying to see relevance.

• 1:11:15Speaker 03

  I'm going up to see her. I helped her move and all that, you know what I mean? Because she wanted to move. Our plan was to move eventually.

• 1:11:20Caleb Hammer?

  Yeah, you were addicted.

• 1:11:21Speaker 03

  So, yeah, and I was driving up to see her a lot, doing this and that, literally just a lot of that money at the time too. Uh, before I, you know?

• 1:11:29Caleb Hammer?

  This? In this month?

• 1:11:29Speaker 03

  This was all 2023.

• 1:11:31Caleb Hammer?

  I don't give a fuck then.

• 1:11:32Speaker 03

  So, but coming back around, hold on.

• 1:11:34Caleb Hammer?

  You said all this was to make memories, buddy. This is in Java City, Pacific.

• 1:11:39Speaker 03

  Back to the...

• 1:11:40Caleb Hammer?

  Huh?

• 1:11:41Speaker 03

  The truck story. Last year when I was over, you know, over all that, I traded in my Chevy to get the Tacoma. And lost some money on that.

• 1:11:53Speaker 03

  Which...

• 1:11:54Caleb Hammer?

  Okay!

• 1:11:55Speaker 03

  Yeah, probably wasn't the best decision.

• 1:11:58Caleb Hammer?

  Great. I'm talking about Fog City, Java.

• 1:12:03Caleb Hammer?

  Minty Zins, Minty Zins, great memories again, just really important, critical things. Uh, Perto, Minty Zins, next restaurant.

• 1:12:13Speaker 00

  Now, more than ever, we need someone on our side. But Rob Whitman? Whitman's votes drove up costs, cut Medicaid, and risked 350,000 Virginians' healthcare to pay for tax breaks for himself and his donors. He's not on our side. Shannon Taylor will fight corruption, cut taxes, and bring down costs. This November, vote for Shannon Taylor. She's for us. Paid for by HMP, the House Majority PAC dot com. Not authorized by any candidate or candidate's committee.

• 1:12:42Caleb Hammer?

  Minty Zins, Uber Eats, which is really good memories, really good memories. Get Jerry. Minty Zins, Minty Zins, Uber Eats, Minty Zins, Humbly Brewing, incredible memories. Uber Eats, Uber Eats, the best memories I've ever had. Roseland Bakery, Minty Zins, next restaurant. Really good. Are you framing these memories for your future kids?

• 1:13:06Speaker 03

  I bought some art when I was in Brazil too.

• 1:13:10Caleb Hammer?

  I don't see Brazil in here. I see Uber Eats and Nick's whatever.

• 1:13:14Speaker 03

  October, the end of the year.

• 1:13:15Caleb Hammer?

  So I don't give a f- we're always talking about this month where you spent money.

• 1:13:20Speaker 03

  I thought you were talking about all together, because it's not just last month.

• 1:13:23Caleb Hammer?

  I'm talking about last month.

• 1:13:25Speaker 03

  It was the month before.

• 1:13:26Caleb Hammer?

  I'm talking about the amount you purchased down here that we talked about, the 3,000. Why the f- do you think I'm talking about October? In what possible reasoning do you think I'm talking?

• 1:13:37Speaker 03

  I'm talking about just every month in general. This was last month. I did the same thing in October that I did last month.

• 1:13:42Caleb Hammer?

  You talked about Brazil, you're just going to f- travel in Uber Eats, you f-

• 1:13:51Caleb Hammer?

  You f- no, it's not funny, it's b-

• 1:13:54Speaker 03

  I mean, okay, it's not funny, but you gotta keep the morale up, man.

• 1:13:57Caleb Hammer?

  Morale up? My morale's to zero now, buddy.

• 1:14:01Speaker 03

  Get your morale up a little bit.

• 1:14:03Caleb Hammer?

  No, I need someone to come pull of you and shank me in the night. I'm done.

• 1:14:08Speaker 03

  Watch, watch how it all turns around, I promise.

• 1:14:12Caleb Hammer?

  He promises.

• 1:14:13Speaker 03

  Yeah.

• 1:14:15Caleb Hammer?

  Oh, we will see, because you got Wheel Collectors and you got some tickets and DoorDash Chick-fil-A.

• 1:14:22Speaker 03

  I bought a collector's hot wheel for my little nephew.

• 1:14:28Speaker 03

  You know, so he knows he's got a-

• 1:14:30Caleb Hammer?

  Bakery.

• 1:14:31Speaker 03

  An uncle that buys them.

• 1:14:33Caleb Hammer?

  DoorDash. Nick's Restaurant, Menti's Zins, Goodfellas Pizza, Nick's Restaurant, Uber Eats, Nick's Restaurant, Uber, Goodfellas Pizza, Nick Restaurant, Sees Candy.

• 1:14:52Caleb Hammer?

  Put them all in a photo book. We'll all look back on our Facebook memories of your Uber Eats purchases. Yes, critical things for our well-being.

• 1:15:04Speaker 03

  Kinda, when you realize that.

• 1:15:05Caleb Hammer?

  Not at all, shut, just shut-

• 1:15:07Speaker 03

  Human interaction, too.

• 1:15:08Caleb Hammer?

  Human interaction.

• 1:15:09Speaker 03

  Are you supposed to stay at home all day by your-

• 1:15:10Caleb Hammer?

  I thought we were buying the Playstation so we could avoid those human interactions to save money.

• 1:15:15Speaker 03

  But you need them.

• 1:15:16Caleb Hammer?

  Shut the f- up.

• 1:15:18Speaker 03

  I can't, because I gotta have, I'm having human interaction right now.

• 1:15:21Caleb Hammer?

  You sure are, and I wish I could get out of it. Is this another Freedom Card or a different card?

• 1:15:28Caleb Hammer?

  Do you have two Freedom Cards?

• 1:15:29Speaker 03

  No.

• 1:15:30Caleb Hammer?

  Okay, then I'm, okay. This is a different month of it.

• 1:15:36Caleb Hammer?

  Toyota and now does this is this relevant to your truck story is this what you were trying to say?

• 1:15:40Speaker 03

  Oh, yeah, cuz I mean.

• 1:15:41Caleb Hammer?

  Toyota or you skipping ahead?

• 1:15:44Speaker 03

  I don't know. We I mean, I was just part of something that I was talking about. But yeah, Toyota's in in the financial.

• 1:15:49Caleb Hammer?

  Okay, if ADHD.

• 1:15:51Speaker 03

  No.

• 1:15:52Caleb Hammer?

  Are we sure?

• 1:15:52Speaker 03

  Yes.

• 1:15:53Caleb Hammer?

  It's okay if you do. I don't care. You're just very you're jumping to different things.

• 1:15:58Speaker 03

  Like I told you, that's there's the straight line. There's the distractions.

• 1:16:01Caleb Hammer?

  Stay on it.

• 1:16:02Speaker 03

  Okay.

• 1:16:04Caleb Hammer?

  Okay, what what what what is this car loan?

• 1:16:08Speaker 03

  That's a lease for Tacoma.

• 1:16:11Caleb Hammer?

  What is the car Tacoma? What?

• 1:16:14Speaker 03

  Oh, uh.

• 1:16:14Caleb Hammer?

  Year?

• 1:16:15Speaker 03

  Twenty twenty three Toyota Tacoma.

• 1:16:17Caleb Hammer?

  It's a lease.

• 1:16:17Speaker 03

  Off road. I don't even know why I leased it.

• 1:16:22Speaker 03

  That's the honest truth.

• 1:16:23Caleb Hammer?

  If I asked you now why you leased it, you wouldn't be able to tell me?

• 1:16:26Speaker 03

  I would tell you I don't know why.

• 1:16:28Caleb Hammer?

  Fifteen months remaining.

• 1:16:30Speaker 03

  I'll tell you I turned in my truck all emotional. I didn't want to drive it anymore as I bought it to have a kid and buy a boat. Now I'm.

• 1:16:39Caleb Hammer?

  You know what's remaining on your lease? Do you know what your buyout on the end of the lease is?

• 1:16:44Speaker 03

  I don't remember what my buyout is, but I think I only owe like five grand.

• 1:16:48Caleb Hammer?

  No, I mean.

• 1:16:50Speaker 03

  Oh, for the to the for the lease.

• 1:16:51Caleb Hammer?

  You're not even two thirds done yet. You'll either way, right now it's worth thirty five thousand, but I don't know what your the rest is owed on it for the lease, and I don't know what the buyout at the end is.

• 1:17:02Speaker 03

  Doesn't show that in the statement?

• 1:17:03Caleb Hammer?

  No, it doesn't, or else I wouldn't have that information and not be asking you that question.

• 1:17:12Caleb Hammer?

  It will be middle next year when that lease is done, and then you got to figure something else out. So the lease situation, I don't know. It's baked in a lot of fees. Who knows if you got a good deal? Who knows if you got the car at a more expensive version? Who knows if the car will be actually worth what the buyout is, or if you're going to be forced to buy it out at a higher price than it's actually worth? Or forced to go start a new lease to get a new car. There's a lot wrong with you being in this situation. You're fucking dead. You're stuck in the lease. Are you at least sticking to the mile restrictions?

• 1:17:41Speaker 03

  Oh, yeah.

• 1:17:42Caleb Hammer?

  Okay. Would you know?

• 1:17:44Speaker 03

  Yeah, it's of course.

• 1:17:49Caleb Hammer?

  Um, I saw a note as we were talking that you owe money to your families and friends. I don't have any of that written down, so I think we have to just talk about it. Um, you owe money to family and friends?

• 1:18:01Speaker 03

  Yeah.

• 1:18:03Caleb Hammer?

  Okay, what do you owe to who?

• 1:18:04Speaker 03

  I owe my auntie a thousand dollars.

• 1:18:06Caleb Hammer?

  Your who?

• 1:18:07Speaker 03

  My auntie.

• 1:18:08Caleb Hammer?

  Auntie. Is that what you call someone who's not your real aunt?

• 1:18:12Speaker 03

  She's what I call my auntie.

• 1:18:13Caleb Hammer?

  She is your aunt?

• 1:18:14Speaker 03

  Yeah.

• 1:18:16Caleb Hammer?

  Biologically, like family?

• 1:18:18Speaker 03

  Yes, my dad's blood.

• 1:18:19Caleb Hammer?

  Okay, aunt, okay. Cool. Perfect. I know sometimes we use silly words when they're like, my auntie. But this is a close friend, you know, close friend of our parents. Okay, whatever. What do you owe her and for how much and for what? For why? What is happening?

• 1:18:35Speaker 03

  I owe her a thousand dollars.

• 1:18:37Caleb Hammer?

  Okay, it's not crazy. It's obviously a bad position to be in, but...

• 1:18:42Speaker 03

  When I was in Brazil last year for my birthday, me and my...

• 1:18:45Caleb Hammer?

  You didn't go to Brazil.

• 1:18:47Speaker 03

  I did. That's why I was telling you that was one of the memories. That's what I went for.

• 1:18:52Caleb Hammer?

  Went out to Tomorrowland, Brazil?

• 1:18:54Speaker 03

  Yes.

• 1:18:55Caleb Hammer?

  Yes, you did or didn't go to the Tomorrowland?

• 1:18:57Speaker 03

  That's why I went, yeah. That's why I was...

• 1:18:58Caleb Hammer?

  Just kill something. Okay. Sorry, sorry. That's on me. Go for it. Go, go, go. Continue. You were in Brazil. You ran out of Zen associated supply?

• 1:19:06Speaker 03

  No, me and my dad get in an argument about some storage.

• 1:19:10Caleb Hammer?

  About some storage?

• 1:19:11Speaker 03

  Yeah, because I rent from him and I also had some storage from him.

• 1:19:14Caleb Hammer?

  Okay, sure, argument, sure.

• 1:19:16Speaker 03

  Text, text him his argument. Then he raised my rent while, while I was out there and a text message.

• 1:19:20Caleb Hammer?

  Okay.

• 1:19:21Speaker 03

  So I came back.

• 1:19:22Caleb Hammer?

  This probably taxes probably went up, by the way. It's probably just offsetting it, but go on.

• 1:19:26Speaker 03

  I, I, I came back, couldn't, uh, not couldn't afford rent, but it was like, that came up.

• 1:19:34Caleb Hammer?

  What did rent go to and then from?

• 1:19:36Speaker 03

  It went from eight hundred to twelve hundred.

• 1:19:37Caleb Hammer?

  Yeah, that's a big jump. That's a big percentage jump. What was his justification? Did he give or did he just say?

• 1:19:42Speaker 03

  I just said.

• 1:19:43Caleb Hammer?

  Okay.

• 1:19:44Speaker 03

  Or...

• 1:19:44Caleb Hammer?

  I mean, technically, he can.

• 1:19:46Speaker 03

  You're in the street if, but when you get home, if you don't, you don't pay that.

• 1:19:49Caleb Hammer?

  I mean, fair enough. I feel like it's more context. Listen, given you and everything you've... Done and legally and blah, blah, blah, blah, blah. And the language you've used and the excuses you made. I bet there's a lot more to that story than you are actually telling me. And I bet he would have a very interesting. What if I called him in the post show, what would he say?

• 1:20:07Speaker 03

  What would he say?

• 1:20:07Caleb Hammer?

  What would he say?

• 1:20:08Speaker 03

  We would argue about the storage because it's a he's, he said, I could put some things in this, in this area. And he didn't go in that area for like eight or nine months.

• 1:20:17Caleb Hammer?

  And so you were essentially using area that he didn't know you were.

• 1:20:20Speaker 03

  No, he said, I could.

• 1:20:21Caleb Hammer?

  Okay, but he.

• 1:20:22Speaker 03

  Fully, fully rescinded that.

• 1:20:23Caleb Hammer?

  But blah, blah, blah, blah, blah. He's saying he didn't say that.

• 1:20:26Speaker 03

  Yes.

• 1:20:26Caleb Hammer?

  Okay. So you're using areas that he didn't think you were paying rent for. So he was just charging you for the new areas as well.

• 1:20:33Speaker 03

  That's what I called it.

• 1:20:33Caleb Hammer?

  Okay, that makes sense. And as he said, she said, whether or not, okay. So what's the thousand then to your aunt?

• 1:20:41Speaker 03

  So when I, when I came back from Brazil, uh, rent got increased. Couple of legal fees came up and then.

• 1:20:50Caleb Hammer?

  Legal fees for what? Not what?

• 1:20:52Speaker 03

  Oh, the DUI, uh, paying for DUI class, um, blah, blah, blah. And then.

• 1:20:56Caleb Hammer?

  Blah, blah, blah. Yeah, probably three more.

• 1:21:00Speaker 03

  The platinum, like I said, I always like to pay that off and that was going to hit some interest. And I spent a little bit of money on there in Brazil. So I used money from my aunt and my friends to pay the platinum.

• 1:21:09Caleb Hammer?

  That's great. You owe her monthly or what is this? What's the deal?

• 1:21:13Speaker 03

  She gave me, oh, she asked how long it would take you. And I said, give me three months.

• 1:21:17Caleb Hammer?

  How many months ago?

• 1:21:18Speaker 03

  That was January 13th. So I gave her 500 a month. So.

• 1:21:22Caleb Hammer?

  You give her 500?

• 1:21:23Speaker 03

  Yeah, I've already given her, it was 15. So I gave her five. I'll give her five.

• 1:21:26Caleb Hammer?

  There you go.

• 1:21:27Speaker 03

  And I'll give her another five.

• 1:21:27Caleb Hammer?

  Do you owe more family friends?

• 1:21:30Speaker 03

  Another friend, 2,500.

• 1:21:33Caleb Hammer?

  What? That's much more substantial. Not that a thousand isn't.

• 1:21:38Speaker 03

  That was, I didn't want to get it all from him and I didn't want to get it all from her. So I, I split it just to kind of make it look like I wasn't.

• 1:21:46Caleb Hammer?

  Well, cause it was 1,500, oh, 4,000 total. So for you, so you went crazy in Brazil instead of.

• 1:21:56Caleb Hammer?

  It's not funny. What do you owe him on a monthly basis, your friend?

• 1:21:59Speaker 03

  He's like a brother to me.

• 1:22:01Caleb Hammer?

  Cool. See, and that's why I asked about the anti thing. So.

• 1:22:03Speaker 03

  So yeah, he, I told him I'd get him in six months, but he's, he's one of the like, he doesn't even like care. But he does, but he's like, just take your time. I don't worry about it. And he owns his own.

• 1:22:12Caleb Hammer?

  Are you paying him monthly?

• 1:22:14Speaker 03

  Yes.

• 1:22:14Caleb Hammer?

  How much?

• 1:22:15Speaker 03

  I gave him five last month. I haven't given him five this month.

• 1:22:18Caleb Hammer?

  How do you afford that? You can't afford that.

• 1:22:21Speaker 03

  I know.

• 1:22:22Caleb Hammer?

  Okay, well, I'll put it.

• 1:22:23Speaker 03

  So I got the tax return last month.

• 1:22:26Caleb Hammer?

  Yeah.

• 1:22:26Speaker 03

  So that was.

• 1:22:27Caleb Hammer?

  That's why, because you didn't actually do anything.

• 1:22:30Speaker 03

  So, um, but he owns his own business too. And every once in a while, he has stuff for, uh, oh, can you work this event? Can you work that event? Uh, he does memorabilia.

• 1:22:38Caleb Hammer?

  Doing what?

• 1:22:39Speaker 03

  He does memorabilia signings for, uh, sports people, celebrities, and he'll have.

• 1:22:44Caleb Hammer?

  There's always a way to make an income out there.

• 1:22:45Speaker 03

  He'll have signings. Oh, can you come work this, you know, signing for me?

• 1:22:49Caleb Hammer?

  Okay.

• 1:22:49Speaker 03

  And he'll take it off the tab.

• 1:22:51Caleb Hammer?

  Checking account fourteen hundred, not bad.

• 1:22:54Caleb Hammer?

  Zell out money, Dog Patrol Coffee, Minty Zins, Minty Zins, Frog City Java. Okay. So it's the same as the other thing. NorCal Surf, Taco Bell, ATM withdraw a thousand dollars. Where'd that go?

• 1:23:06Speaker 03

  Say it again?

• 1:23:07Caleb Hammer?

  ATM withdraw a thousand dollars. Where'd that go?

• 1:23:09Speaker 03

  Oh, those are for rent usually when I withdraw a thousand or more.

• 1:23:13Caleb Hammer?

  Or it's just a thousand. It's not your rent.

• 1:23:15Speaker 03

  Cause if I had an extra two hundred on me or something like that, if I already pulled it out, I only pull that.

• 1:23:19Caleb Hammer?

  Minty Zen, ATM withdraw four hundred sixty.

• 1:23:27Caleb Hammer?

  Substantial amount of money for your financial position.

• 1:23:29Speaker 03

  And what do I do? Or maybe.

• 1:23:30Caleb Hammer?

  Yeah, what did you do with it? That's what I'm asking.

• 1:23:34Speaker 03

  I have to go back and look.

• 1:23:35Caleb Hammer?

  Four hundred sixty. You don't know where that went? For fuck's sake, man, zell out four hundred. Where'd that go?

• 1:23:41Speaker 03

  Oh, I zelled it?

• 1:23:42Caleb Hammer?

  No, this is a separate thing. I'm going forward. You zelled four hundred and then you also ATM withdrew four hundred. Where'd those go? Eight hundred?

• 1:23:49Speaker 03

  So most likely eight hundred went to rent. I'm not recalling.

• 1:23:52Caleb Hammer?

  No, they were two separate. As a zell of four hundred. Okay. You took out a thousand from the ATM. You then ATM withdrew an additional four hundred and then you additionally zelled out four hundred. Where did those go?

• 1:24:07Caleb Hammer?

  We're so done dude.

• 1:24:09Speaker 03

  I know.

• 1:24:10Caleb Hammer?

  There is no.

• 1:24:12Caleb Hammer?

  Tell.

• 1:24:12Speaker 03

  So, uh, my uncle, he has cancer. And he has these, uh, cancer diet things that one of my aunties.

• 1:24:19Caleb Hammer?

  Diet things?

• 1:24:20Speaker 03

  Yeah, like my aunties puts together for him.

• 1:24:22Caleb Hammer?

  Aunties, your real aunt.

• 1:24:23Speaker 03

  Real aunt, one of his sisters and she'll sell me money, oh, for my brother. Can you take, take this out and go get him, um, his health food or whatever, like those kinds of things. Like he's on a super gnarly like juice diet and this and that. And so I have an auntie that she helps him out with some of his, uh.

• 1:24:38Caleb Hammer?

  Did he need Panda Express?

• 1:24:40Speaker 03

  No.

• 1:24:41Caleb Hammer?

  Well, that's next and you don't have money and you have debt. ATM, I'm at R220, Starbucks.

• 1:24:48Caleb Hammer?

  Sun Valley Dairy Pizza, Man, Goodfellas Pizza, Fog City Java, NorCal Surf, Nick's Restaurant. Zelling out a thousand one hundred or a thousand ten. This can't all be juice. There's no way. There's no way, man. Your, your story's not adding up.

• 1:25:04Speaker 03

  Are those Zells?

• 1:25:05Caleb Hammer?

  Far West Funky. Huh?

• 1:25:08Speaker 03

  I'm, are those Zells coming or going out?

• 1:25:10Caleb Hammer?

  Out. I told you out. Oh buddy.

• 1:25:13Speaker 03

  I'm about to pull my.

• 1:25:14Caleb Hammer?

  I'm continuing cause I'm done. Bar and Grill, Living Swell Kombucha, Kombuchu, Kombuchu, Kombuch. Kombu- Kombuch, Kombucha?

• 1:25:24Speaker 03

  Kombucha.

• 1:25:25Caleb Hammer?

  Yeah, wow, I've lost that word. Winter's Tavern, Nick's Restaurant, Mentis in, Mentis in, Mentis in, Mentis in.

• 1:25:33Caleb Hammer?

  Can't stop man, this is crazy. ATM, I'm at R260, no story where that went, probably then $20 ATM, I'm at R, no story. ATM, I'm at R260.

• 1:25:41Speaker 03

  I do, I buy cash, so.

• 1:25:44Caleb Hammer?

  How much you spend on?

• 1:25:45Speaker 03

  Like 200, 250 a month.

• 1:25:47Caleb Hammer?

  That's an insane percentage.

• 1:25:54Caleb Hammer?

  Eighty-six thousand savings, wow.

• 1:25:58Caleb Hammer?

  My dad, be so proud. Thirty dollars in another savings account, wow.

• 1:26:08Caleb Hammer?

  Two thousand four hundred and six dollars in Robin Hood. Is that in cash or, you know?

• 1:26:13Speaker 03

  I said-

• 1:26:14Caleb Hammer?

  That's crypto. It's all crypto. All in even know it. But the why, like, why, why is that our retirement?

• 1:26:22Speaker 03

  That's not right.

• 1:26:22Caleb Hammer?

  Wait, wait, wait.

• 1:26:23Speaker 03

  That was like-

• 1:26:23Caleb Hammer?

  Oh, what's this eighteen hun- what's this eighteen thousand? This isn't a retirement fund?

• 1:26:28Speaker 03

  That's a 401K?

• 1:26:31Caleb Hammer?

  You have a 401K set up?

• 1:26:34Speaker 03

  I, I guess. Yeah, it was set up for me.

• 1:26:38Caleb Hammer?

  Don't even acknowledge this. This doesn't exist. You don't have a 401K.

• 1:26:42Speaker 03

  I don't think about it.

• 1:26:43Caleb Hammer?

  Good. And don't pass this moment. It doesn't exist.

• 1:26:49Speaker 03

  What do they-

• 1:26:50Caleb Hammer?

  Nope.

• 1:26:51Speaker 03

  What do they-

• 1:26:52Caleb Hammer?

  There's nothing. Don't ask. Don't ask.

• 1:26:55Speaker 03

  I just-

• 1:26:56Caleb Hammer?

  Nope.

• 1:27:00Speaker 03

  Should I be putting money into the 401K?

• 1:27:02Caleb Hammer?

  Nothing.

• 1:27:02Speaker 03

  I don't put it in.

• 1:27:03Caleb Hammer?

  Don't ask. Doesn't exist. It's false. Fake news. Doesn't exist. You're done. Okay.

• 1:27:11Speaker 03

  And with the crypto, I, I had a friend that he, uh, and then he did some time and he got out after like fourteen years and he, he was like, man, I think that might be the, the move. I was like, okay, let's, uh-

• 1:27:23Caleb Hammer?

  Your debt minimum monthly payments are one thousand four hundred twenty-three dollars and twenty-eight cents, which is insane for your financial position. Your rent is twelve hundred?

• 1:27:30Speaker 03

  Yes, sir.

• 1:27:30Caleb Hammer?

  What about utilities?

• 1:27:32Speaker 03

  That's included.

• 1:27:33Caleb Hammer?

  Okay, including internet too?

• 1:27:34Speaker 03

  No, uh, internet and cellphone two oh five.

• 1:27:38Caleb Hammer?

  That's all in one?

• 1:27:39Speaker 03

  Verizon. I have a-

• 1:27:42Speaker 00

  Now, more than ever, we need someone on our side. But Rob Whitman? Whitman's votes drove up costs, cut Medicaid, and risked three hundred fifty thousand Virginians' healthcare to pay for tax breaks for himself and his donors. He's not on our side. Shannon Taylor will fight corruption, cut taxes, and bring down costs. This November, vote for Shannon Taylor. She's for us. Paid for by HMP, the HouseMajorityPact.com. Not authorized by any candidate or candidate's committee.

• 1:28:11Speaker 03

  Verizon internet, Verizon.

• 1:28:12Caleb Hammer?

  That's pretty brutal. Um, that's pretty brutal, but, okay. Rent is insurance?

• 1:28:19Speaker 03

  Uh, twenty-four month.

• 1:28:21Caleb Hammer?

  Okay.

• 1:28:23Caleb Hammer?

  Vroom vroom, drive, drive, gas.

• 1:28:25Speaker 03

  It's a hundred sixty to two hundred a month?

• 1:28:28Caleb Hammer?

  Two hundred. Car insurance?

• 1:28:30Speaker 03

  That's, that just got crazy.

• 1:28:32Caleb Hammer?

  I'm sure.

• 1:28:33Speaker 03

  Because the DUI just had to do that.

• 1:28:34Caleb Hammer?

  You deserve it.

• 1:28:35Speaker 03

  Three, it's now like three ninety-eight a month?

• 1:28:37Caleb Hammer?

  Sounds right.

• 1:28:38Speaker 03

  And it was one sixty a month?

• 1:28:39Caleb Hammer?

  You deserve it. TP fund, anything else you need to survive? It's a hundred groceries is three hundred dollars. You can do that using our cookbook, literally right here. You get it with the budgeting app, so.

• 1:28:49Speaker 03

  Uh, pet and, pet insurance, one oh eight?

• 1:28:52Caleb Hammer?

  Okay, I was going to ask about it.

• 1:28:54Speaker 03

  Oh.

• 1:28:56Caleb Hammer?

  Pet food, how much?

• 1:28:57Speaker 03

  About a hundred.

• 1:29:00Caleb Hammer?

  Any medical costs ongoing? Prescriptions, copays, blah, blah, blah, blah, blah?

• 1:29:04Speaker 03

  I got, uh, life insurance, a hundred seventy-five a month.

• 1:29:07Caleb Hammer?

  Does that hit, that's post? Life insurance for who?

• 1:29:11Speaker 03

  Me.

• 1:29:12Caleb Hammer?

  Yeah, but who's the beneficiary?

• 1:29:14Speaker 03

  Um, my, my best friend passed away and, uh, I left it to his brother.

• 1:29:19Caleb Hammer?

  For you? Okay, how much for this life insurance on a monthly basis?

• 1:29:23Speaker 03

  A hundred seventy-five.

• 1:29:24Caleb Hammer?

  Is it a whole life or term?

• 1:29:29Speaker 03

  Uh, I don't know.

• 1:29:31Caleb Hammer?

  Okay, we can look into it.

• 1:29:33Speaker 03

  My, my dad said it would be a good idea.

• 1:29:36Caleb Hammer?

  I understand what you're saying.

• 1:29:38Speaker 03

  All I know is, I think it's one of those policies where you own it after eighteen years? And then, and then if you need to withdraw money out of it, you can? But it just lowers the, the payout amount?

• 1:29:53Caleb Hammer?

  Listen, here's the thing, man. In the end, you are literally under by a hundred dollars.

• 1:30:00Speaker 03

  What?

• 1:30:02Caleb Hammer?

  What?

• 1:30:03Speaker 03

  I'm under what? I'm, I'm, I'm.

• 1:30:04Caleb Hammer?

  You make four thousand two hundred, four thousand three hundred five comes in.

• 1:30:08Speaker 03

  Okay.

• 1:30:09Caleb Hammer?

  You don't make enough with your extra money. And that's you living on a bare minimum.

• 1:30:18Caleb Hammer?

  I would try to cancel the policy. I get the emotional side of it. I would try to cancel it because you literally just can't afford it.

• 1:30:24Speaker 03

  The life insurance?

• 1:30:25Caleb Hammer?

  How old's the kid?

• 1:30:27Speaker 03

  I don't have a kid.

• 1:30:28Caleb Hammer?

  The kid that is the beneficiary.

• 1:30:32Speaker 03

  Oh my, uh, thirty-four.

• 1:30:38Caleb Hammer?

  Cancel this. Try to cancel.

• 1:30:41Speaker 03

  Why?

• 1:30:42Caleb Hammer?

  Cause one, you don't have enough money. You don't have enough money simply to literally survive bare minimum.

• 1:30:48Speaker 03

  Well, you don't.

• 1:30:49Caleb Hammer?

  No, I have a super.

• 1:30:50Speaker 03

  No, you don't. Hold on. But when, when can I get a super preferred, uh, whatever again? I did it when I was like that. I thought it'd be.

• 1:31:00Caleb Hammer?

  Life insurance can be good. You're doing it for a 33 year old.

• 1:31:03Speaker 03

  But it's not. I didn't do it for him. I did it for myself because I was told it would be a good idea and I, I was told.

• 1:31:08Caleb Hammer?

  It can be used as an investment vehicle when done correctly, but even still it's more about the beneficiaries in general.

• 1:31:14Speaker 03

  I just said it.

• 1:31:15Caleb Hammer?

  I don't have your policy in front of me. I don't know for sure, but either way you're likely to make more in general. Cause you're not going to take advantage of any kind of system within life insurance, like borrowing against yourself or anything. You most likely would just get a better return investing in a Roth IRA. But even still you without getting free money via a match or something, you do not have enough money to be investing. You literally cannot survive. You can't survive. You don't have a debt payoff strategy and you have a hundred fifty thousand dollar bill coming that you are not going to be able to expunge via bankruptcy. Maybe you should go through bankruptcy to expunge the rest of this and you're going to have to make some concessions and it's not cheap to go through bankruptcies. A few thousand and it can be stressful depending, but then a hundred fifty thousand dollars are going to come owed.

• 1:31:57Caleb Hammer?

  You just have to work your ass off. We need to accept the responsibility for your actions. Stop going down the dark roads you end up going down. Try to get your record cleared sooner than it would naturally fall off. That is the path, man, but it is going to be you working 60 hours a week for a very long time, doing as much as you can do. Who knows how long this under the table job is gonna last for, you know? And who knows if they'll ever get caught anyway? And the thing is you have the hundred fifty thousand dollars coming. So whether or not you declare bankruptcy, you have a massive debt over hanging in your head. And who knows what that repayment structure is going to look like ordered by the court? It's.

• 1:32:33Speaker 03

  It is.

• 1:32:34Caleb Hammer?

  I would go through potential bankruptcy, but you need to fight this. I don't, but. What is more serious here is you keep going down these dark paths. And if you don't stop, you're never going to have anything ever. And investing right now makes no sense, man. Makes no sense.

• 1:32:49Speaker 03

  So you think the life insurance is investment?

• 1:32:51Caleb Hammer?

  It doesn't.

• 1:32:52Speaker 03

  Or it could be, or it could be an investment.

• 1:32:53Caleb Hammer?

  It is likely being used in the way your dad talked about it as an investment vehicle. It doesn't make sense for you right now.

• 1:33:04Speaker 03

  So what would make sense right now? Just fly?

• 1:33:05Caleb Hammer?

  Right now, no investing unless there's a match. You literally are underwater by a hundred dollars for minimal survival needs.

• 1:33:16Speaker 03

  And what do you call minimal survival needs?

• 1:33:18Caleb Hammer?

  What it takes for you to survive on a monthly basis, minimum monthly payments.

• 1:33:22Speaker 03

  What about living? You just, I mean, it just...

• 1:33:24Caleb Hammer?

  Now you're talking about living?

• 1:33:26Speaker 03

  Okay, so I know.

• 1:33:26Caleb Hammer?

  I'm trying to get you to live the bare minimum. You don't, you can't afford that. You're thinking of more? Good luck, buddy. This conversation's done. Good luck. If you're talking about having fun on top of this, you have a hundred fifty thousand dollars coming.

• 1:33:41Speaker 03

  Not having fun, but still just being a human, not just being a recluse, like...

• 1:33:46Caleb Hammer?

  You can go to parks. You can join different clubs and hobbies and things that don't cost money. You need to do, we keep them micro, but even that you can't even afford because you're literally underwater by a hundred. Just your basic.

• 1:33:58Speaker 03

  So I gotta take all these experiences and chop them up?

• 1:34:03Caleb Hammer?

  I'm done. I'm done. You're headed down this path forever and there's nothing I can do. I've tried. There's nothing else I can do. You overspent, spending your budget, section zero out of ten, debt. It's about, uh, I don't like the family debt situation. It's gonna bring it down to one out of ten. Merchandise fund, you don't have anything, zero out of ten. Retirement, for your age, it's not a great position. I'm just surprised to see it. So your age, I'm gonna give you at least a three out of ten. Real estate, zero out of ten. You're gonna be a hammer financial score.

• 1:34:35Caleb Hammer?

  That's gonna be a one out of ten. Guys, join us in the post-show. There's some extra tea that Lindsay's telling me we're about to go into and I, honestly, based on your life and everything we learned here, I'm sure it's about to be juicy. So make sure you join us in the post-show. I would join Hammer Elite, by the way, because we literally upload a new series and different things once a day, seven days a week. It's incredible. So make sure you join that. Well, that's once our Dating Profile Auto Show drops, which I think is dropping soon. Also, make sure to download the Simpler Budget app, guys. Download that. And if you want the signed Founder's Edition Simpler Budget Notebook, just join the annual version. We wanna make it the best budgeting app by the year's end. So check it out. See you in the post-show.

• 1:35:17Speaker 03

  Yeah. The girl that you had to pressure. That's the truth. I had to. I thought we were fucking and fighting, literally. How many out there are you just getting pregnant? Three of them with my ex-wife. And then last, at the end of last year, I had a with a girl. Pull out or wrap up. And what do you do? How are you taking care of them?

• 1:35:33Speaker 00

  Now, more than ever, we need someone on our side. But Rob Whitman? Whitman's votes drove up costs, cut Medicaid, and risked 350,000 Virginians' healthcare to pay for tax breaks for himself and his donors. He's not on our side. Shannon Taylor will fight corruption, cut taxes, and bring down costs. This November, vote for Shannon Taylor. She's for us. Paid for by HMP, the House Majority PAC dot com. Not authorized by any candidate or candidate's committee.