I Tried Saving Their Relationship, But She's A B*tch | Financial Audit

▶This post show is *INSANE* ... they slept with so many people, they are fighting, and I make the FINAL verdict on the future of their relationship, watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶▶Download my *budgeting app* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. This comes with automatic account connections, my budget-friendly cookbook, an online community, and exclusive discounts on my products- change your financial future *NOW* ▶▶▶ *AND REMEMBER* those who sign up for Simpler Budget Premium *annual* get a signed versions of the Cook Book and Simpler Budget Founders Edition Journal, just send proof of annual here: https://tally.so/r/3xzPq5 Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 Make SonderMind your mental health home in 2025. Sign up at: https://pages.sondermind.com/caleb/ ▶▶▶Download my *budgeting app* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay ▶ Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ___________________________________________ ▶EDUCATION: 1. Bundle my budgeting, debt, investing and real estate program for *15% off* https://calebhammer.com/classpack/ 2. *The best budgeting program online: https://calebhammer.com/budget 3. Get my investing class and I’ll give you a $100 towards investing: https://calebhammer.com/investing 4. Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula 5. Everything you need for buying your first home to buy your first investment property: https://calebhammer.com/realestate/ 6. Get your own free Hammer Financial Score: https://www.calebhammer.com ___________________________________________ ▶RESOURCES 1. Checking & Savings: Get up to 3.80% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link 2. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer 3. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 4. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer 5. The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 6. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/ 7. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 8. Therapy: Make SonderMind your mental health home in 2025. Sign up at: https://pages.sondermind.com/caleb/ 9. Stock Investing: Earn up to $5,000 in Cash Back every year on your Stocks & ETFs. Terms apply: https://silomarkets.com/caleb All investing involves risk. Silo Financial LLC (“Silo”) is registered with the SEC. The creator receives cash compensation and is not affiliated with Silo. Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Speaker 00

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• 0:30Speaker 01

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• 0:59Caleb Hammer?

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

• 1:03Speaker 03

  We don't live together.

• 1:04Speaker 04

  Definitely don't live together.

• 1:05Speaker 03

  Uh-uh.

• 1:05Caleb Hammer?

  Are you sibling? What the [__] am I talking to then?

• 1:08Speaker 03

  He's actually my ex.

• 1:09Caleb Hammer?

  It's the determination of getting back together.

• 1:12Speaker 03

  Maybe.

• 1:12Speaker 04

  Maybe. There's been some things going on.

• 1:14Speaker 03

  I saw someone else.

• 1:15Caleb Hammer?

  We were [__] financially together before?

• 1:18Speaker 03

  Cause I was the breadwinner and he wasn't. Like, it's embarrassing.

• 1:20Caleb Hammer?

  She just called you embarrassing.

• 1:22Speaker 03

  I'm just tired of feeling like the boyfriend.

• 1:25Caleb Hammer?

  Download my budgeting app today and take control of your money once and for all. And for a limited time only, sign up for the annual version of Premium and get my cookbook and notebook signed and mailed directly to you. Link in the description and pinned comment below.

• 1:39Speaker 03

  Hi, my name is Violet. I'm 21 years old.

• 1:42Speaker 04

  Hi, my name is Max and I'm 25 years old. I live in Tampa, Florida.

• 1:46Speaker 03

  And this is Financial Audit.

• 1:48Caleb Hammer?

  I live in Tampa, Florida, not we live in Tampa. All right.

• 1:51Speaker 04

  Oh, okay.

• 1:51Caleb Hammer?

  Well, that's okay. Well, let's start with you, Violet. You're the one in front of me.

• 1:56Speaker 03

  Mm-hmm.

• 1:56Caleb Hammer?

  What do you do for a living in Tampa?

• 1:57Speaker 03

  Um, right now I am a leasing agent. My actual...

• 2:01Caleb Hammer?

  You look like it. You look, you [__] yep. We step, we step into the apartment lobby, you're there and you're acting like we're an inconvenience, even though your only job is to show us what a demo apartment looks like.

• 2:12Speaker 03

  Oh, 100%.

• 2:14Speaker 04

  Yeah, she shows one apartment, sends out 10 AI emails a day.

• 2:18Speaker 03

  And then my boss is proud of me. So, yeah, I make more than you.

• 2:22Caleb Hammer?

  Oh, all right.

• 2:23Speaker 04

  Well, that's...

• 2:26Caleb Hammer?

  Okay, well, let's speak on that.

• 2:29Speaker 03

  Yeah.

• 2:29Caleb Hammer?

  What do you make?

• 2:30Speaker 03

  I make twenty-two an hour plus commission.

• 2:33Caleb Hammer?

  That's more than you? Oh, plus commission. Well, what's hitting your account on a monthly basis on average?

• 2:38Speaker 03

  Um, I just started, so I haven't gotten my first commission check.

• 2:41Caleb Hammer?

  Your boss is happy with you because you haven't had the chance to...

• 2:43Speaker 03

  To do things, I know.

• 2:44Caleb Hammer?

  To like be onboarded. How long have you been doing it?

• 2:46Speaker 03

  I've been there for four weeks.

• 2:48Caleb Hammer?

  Okay, yeah, then that's...

• 2:50Speaker 03

  But it's just starting. Like, the first two weeks was twenty.

• 2:52Caleb Hammer?

  No, it is just starting, but it's not like your boss is happy if you've performed your job well.

• 2:56Speaker 03

  No, I promise you he is.

• 2:57Caleb Hammer?

  No, because it's four weeks, you're being onboarded.

• 2:59Speaker 03

  I know, but I do more than the people who are already there. And he's like, wow, you're amazing, and it's really the easiest job in the world.

• 3:07Caleb Hammer?

  Yeah, I mean, yeah, it is.

• 3:09Speaker 03

  I know.

• 3:10Caleb Hammer?

  Okay, so what's the commission structure?

• 3:14Speaker 03

  Um, it is depending on the apartment that I lease, quote-unquote. Um, but if it's like our bigger apartments and like our water-facing apartments, it's like a seven-fifty commission payout.

• 3:27Caleb Hammer?

  Okay.

• 3:28Speaker 03

  Mm-hmm.

• 3:30Speaker 03

  So I would...

• 3:30Caleb Hammer?

  On average, do people close like one a month, two a month?

• 3:33Speaker 03

  Um, I would say one a week.

• 3:35Caleb Hammer?

  A week?

• 3:36Speaker 03

  A week.

• 3:37Caleb Hammer?

  So what is going to be hitting our account on average?

• 3:39Speaker 03

  On a monthly basis?

• 3:40Caleb Hammer?

  Yes.

• 3:41Speaker 03

  When I start getting commission, I would say...

• 3:44Caleb Hammer?

  Hitting our account after taxes?

• 3:46Speaker 03

  I would say...

• 3:47Speaker 04

  You're not making commission.

• 3:48Speaker 03

  Not right now.

• 3:49Caleb Hammer?

  Okay, what are you making, what are you making before commission right now?

• 3:51Speaker 03

  Okay, I would say like three thousand.

• 3:52Caleb Hammer?

  What are you making before commission right now?

• 3:53Speaker 03

  Three thousand.

• 3:54Caleb Hammer?

  Three thousand a month is what you're making before commission?

• 3:56Speaker 03

  Mm-hmm.

• 3:57Caleb Hammer?

  Okay. And you're gonna get seven-hundred fifty a week in commission?

• 4:00Speaker 03

  No, I would say maybe average four hundred, because seven-fifty is like the bigger apartments, like our penthouses.

• 4:07Caleb Hammer?

  And then I'm gonna say after taxes, it's probably gonna be like twelve hundred, times your three thousand.

• 4:16Caleb Hammer?

  So four thousand two hundred.

• 4:17Speaker 03

  Yeah.

• 4:18Caleb Hammer?

  Okay, and that's her more-than-you situation, so...

• 4:24Caleb Hammer?

  What do you make the other side of this?

• 4:26Speaker 04

  Um, it's a little weird. I have two jobs. Um, I work like thirty to thirty-five at one. I'm a warehouse selector and I was making eighteen dollars an hour.

• 4:37Caleb Hammer?

  Huh? Well, that's one.

• 4:39Speaker 04

  The other one, I got a at-home remote job, work it whenever I want and I make sixteen dollars an hour there.

• 4:46Caleb Hammer?

  And tell everyone they can get them, just for extra things on the side.

• 4:49Speaker 03

  Yeah.

• 4:49Speaker 04

  Well, mine's kind of a special one. I've worked it for like five years. I work for my mom's company.

• 4:54Caleb Hammer?

  Oh, well, that's definitely the easiest way to get it.

• 4:56Speaker 03

  Exactly.

• 4:57Speaker 04

  So I get all pretty.

• 4:58Caleb Hammer?

  What, are you hating against it?

• 4:59Speaker 03

  Well, it's the only job he's had in the last five years until like a month ago.

• 5:04Caleb Hammer?

  Oh, so the other ones.

• 5:05Speaker 04

  The other ones relatively new, yeah.

• 5:07Caleb Hammer?

  Your job is new too.

• 5:08Speaker 03

  I know. But.

• 5:10Caleb Hammer?

  Why are we competitive off of bringing in extra money for the house?

• 5:13Speaker 03

  Cause I've been telling him he needs to leave that job for the last five years and find something better. He has an economics degree and doesn't use it.

• 5:19Caleb Hammer?

  What is your account on a monthly basis with both combined?

• 5:21Speaker 04

  Um, I think it's six hundred a week from the warehouse and then probably six hundred every two weeks from the remote. So twenty-four, like thirty-six, but the warehouse is gonna go up.

• 5:35Caleb Hammer?

  Like thirty-two?

• 5:39Speaker 04

  That's thirty-six.

• 5:40Caleb Hammer?

  Well, you said six hundred?

• 5:42Speaker 04

  Six hundred a week, so twenty-four hundred.

• 5:44Caleb Hammer?

  Then plus three hundred a week from the other one?

• 5:46Speaker 04

  Yeah, three hundred a week.

• 5:47Caleb Hammer?

  Oh, okay. Cool. Yep, thirty-six. So yes, I guess this half does make more.

• 5:52Speaker 04

  Well, the warehouse job, I'm gonna make more at.

• 5:55Speaker 03

  Yes, of course.

• 5:56Speaker 04

  It's, um.

• 5:57Caleb Hammer?

  Well, when? I mean, is it, but you're also taking away hours from the other one, right?

• 6:01Speaker 04

  Um, no, I work like thirty to thirty-five. I'm like a little nervous.

• 6:06Caleb Hammer?

  Okay. All right. Well, what are we gonna round up to? Four?

• 6:10Speaker 04

  Yeah, I would say about four.

• 6:11Caleb Hammer?

  Okay, cool. This isn't bad, though.

• 6:13Speaker 03

  Yeah, it's not, it's not bad.

• 6:15Caleb Hammer?

  You guys are making, and the household is eight thousand two hundred dollars.

• 6:21Speaker 03

  We don't live together.

• 6:23Speaker 04

  Definitely don't live together.

• 6:26Caleb Hammer?

  Okay. Are we talking about moving in like?

• 6:29Speaker 03

  No.

• 6:30Caleb Hammer?

  Where we're trying to get to?

• 6:31Speaker 03

  No, so.

• 6:32Caleb Hammer?

  Are you sibling? What the fuck am I talking to then?

• 6:35Speaker 03

  So he's actually my ex. And I texted him and said, hey, wanna go to Texas next weekend and go on this podcast with me?

• 6:43Caleb Hammer?

  Why? Why am I talking to you guys then?

• 6:46Speaker 04

  I don't know, we're kind of, we've been talking, maybe we wanna get back together. Finances were hard when we were together.

• 6:53Caleb Hammer?

  Oh, it's a determination of getting back together?

• 6:56Speaker 03

  Maybe.

• 6:56Speaker 04

  Maybe.

• 6:57Speaker 03

  Eh, maybe, we'll see.

• 6:58Speaker 04

  Maybe.

• 6:58Caleb Hammer?

  So what's the question? How long have you guys been broken up?

• 7:02Speaker 03

  A little over six months.

• 7:03Speaker 04

  Like eight months.

• 7:04Caleb Hammer?

  And we're having, we're having talks.

• 7:06Speaker 03

  Maybe. Well, we haven't had a talk yet, actually.

• 7:09Speaker 04

  Yeah, she's difficult to talk to.

• 7:12Speaker 03

  Okay.

• 7:13Speaker 04

  Yeah.

• 7:15Speaker 03

  Yes, we're considering getting back together. But yeah, my friends don't even know that I'm talking to him.

• 7:19Caleb Hammer?

  Really?

• 7:20Speaker 03

  Yeah, they don't even know I'm here.

• 7:22Speaker 04

  I didn't know that. That's, that's so crazy to me, especially what's been going on. That's wild.

• 7:28Caleb Hammer?

  So what the fuck then? If we're considering getting back together and we're split kind of down the middle on that, we were financially together before?

• 7:38Speaker 04

  Finances were an issue.

• 7:39Speaker 03

  Yeah.

• 7:40Speaker 04

  Cause we were talking about moving in together and that was kind of the, a big issue. Yeah.

• 7:45Speaker 03

  Cause I was the breadwinner and he wasn't.

• 7:48Caleb Hammer?

  Yeah, but now we'd be making almost equal.

• 7:50Speaker 03

  Yeah.

• 7:51Speaker 04

  Yeah.

• 7:51Caleb Hammer?

  So what, what's the big concern then if we're deciding whether or not we should?

• 7:55Speaker 04

  Um, there was like, I mean, there was other relationship things. It wasn't just the apartment, but that was like the current like struggle we were fighting at the time.

• 8:04Speaker 03

  Yeah.

• 8:04Caleb Hammer?

  Yeah, but if we're gonna determine whether or not, especially when it comes to your guys' finances, cause that's what I'm more interested in.

• 8:09Speaker 03

  Yeah.

• 8:09Caleb Hammer?

  Uh, if we're, if I give my like seal of approval on if you guys should get back together, like what was so fucked last time when we broke up six months ago?

• 8:20Speaker 04

  Our living situation was bad. Um, I was making nothing, so I just started. Because the job that she wanted me to quit, uh, that was the only job I had. And it was like the same thing. I might have been making sixteen hundred dollars a month.

• 8:35Caleb Hammer?

  Okay, so that's the one you wanted him to quit?

• 8:37Speaker 03

  Yes, for five years.

• 8:38Caleb Hammer?

  Get another job, which I, I get it.

• 8:39Speaker 03

  Mm-hmm.

• 8:40Caleb Hammer?

  Cause it's like a You've been doing this for twenty, working for mommy. Why are you still working for mommy?

• 8:43Speaker 03

  Yeah, why?

• 8:43Speaker 04

  It's like a stability thing. I was like exploring.

• 8:47Caleb Hammer?

  Stability of nothing.

• 8:47Speaker 04

  Yes, I understand that. I was, I was, I was holding down basically nothing. Like, I could barely survive and I was putting stuff on credit cards and that's how I was surviving. But it allowed me to

• 8:58Speaker 03

  Another job. Easy, you can work at McDonald's and make more.

• 9:02Speaker 04

  Yeah, I mean

• 9:03Speaker 03

  Like, come on. And he just didn't understand that.

• 9:05Speaker 04

  It was, I was like exploring other things. I, I'm kind of like a job hopper, like trying to find out what I wanted to do. Like, moved out of Colorado to be a snowboard instructor. That job allowed me to do it.

• 9:18Speaker 03

  Yeah, but then you came back broker, then you left.

• 9:21Speaker 04

  Yeah, I know, but

• 9:22Speaker 03

  And then you came back and did the exact same thing and nothing changed.

• 9:25Speaker 04

  Okay.

• 9:25Speaker 03

  And I wanted change.

• 9:27Speaker 04

  All right, well, you can't, like, you were making so much money either.

• 9:30Speaker 03

  I was?

• 9:30Speaker 04

  You had a sales job and you had one good week ever.

• 9:33Speaker 03

  Okay, I was working a server job beforehand for six months. And then, yeah, okay, let me go into sales, cause if I'm, you're not gonna make money. Why should I stay the breadwinner?

• 9:43Speaker 04

  Yeah, I mean

• 9:45Speaker 03

  Like, I don't know. It was just, it was a lot. It was rough. But, um, I left.

• 9:50Caleb Hammer?

  So you, you left him?

• 9:52Speaker 03

  No, technically, technically he broke with me. And then I left.

• 9:56Speaker 04

  Um, we were kind of going, we were going through, we were going through a rough spot. So when she got this new job, so she's somehow making all this money. She wasn't, she was working from

• 10:06Speaker 03

  I was working

• 10:07Speaker 04

  Seven AM to ten PM at night.

• 10:09Speaker 03

  Yeah.

• 10:10Speaker 04

  What, and she wasn't really making that much. She had like good weeks here and there, but she wasn't making that much. So there was no quality of relationship.

• 10:16Caleb Hammer?

  You guys are visiting here. Are we staying in a hotel?

• 10:18Speaker 03

  Yeah.

• 10:18Caleb Hammer?

  Guys staying together?

• 10:19Speaker 03

  Yes.

• 10:20Speaker 04

  Yeah.

• 10:21Caleb Hammer?

  So we're on the path. Why are we considering getting back together? What's the conversation? What's the thought? What's the vibe?

• 10:28Speaker 04

  Um, I think it's definitely like a possibility. But we're, like, since we broke up, there's been some things going on, some stuff that she did that I didn't like. And then I don't, honestly, my friend, he broke up

• 10:41Caleb Hammer?

  What?

• 10:44Speaker 03

  I saw someone else. I dated someone else.

• 10:48Caleb Hammer?

  We were on a break.

• 10:49Speaker 03

  Exactly.

• 10:50Speaker 04

  She started, I don't know if this is weird. We were dating for two and a half years. She started seeing someone within like three weeks.

• 10:56Speaker 03

  That's suspicious.

• 10:58Caleb Hammer?

  Three weeks.

• 10:59Speaker 03

  I started going out.

• 11:00Caleb Hammer?

  It's not like the next day in that case. I don't know.

• 11:03Speaker 04

  It's someone that she was working with.

• 11:05Caleb Hammer?

  If you went and fucked someone tonight, how would you feel?

• 11:06Speaker 03

  If he went and fucked someone, I'd be fine with it.

• 11:09Speaker 04

  I don't think that's weird. I wouldn't be fine with it.

• 11:12Caleb Hammer?

  Cause you're, I think, so you're on the edge of wanting to get together again, a bit more than her, it sounds like.

• 11:17Speaker 04

  I made it pretty obvious. Like, I think we were just in a bad spot then. And I don't know if all those issues are solved or what, but I made it very obvious that I did want to get back together, like.

• 11:30Caleb Hammer?

  Are you still seeing this other person? We wouldn't be if we're considering getting back together. Okay, so what happened?

• 11:35Speaker 03

  I broke up with him.

• 11:35Caleb Hammer?

  Yeah. So, there's, okay, you want to get back together. You're a little more split and you want to get back together a bit more. This is what I'm reading.

• 11:43Speaker 03

  I don't want to get back together and it to be the same [BLEEP] that it was beforehand. So it's like.

• 11:48Caleb Hammer?

  So let's fix it this time.

• 11:49Speaker 03

  Exactly.

• 11:49Caleb Hammer?

  But I didn't even know exactly what was going wrong. So as we can determine going through these documents, going through you guys' things, especially finances were a big part.

• 11:56Speaker 03

  Yeah.

• 11:57Caleb Hammer?

  It's like.

• 11:57Speaker 03

  I'm just tired of feeling like the boyfriend.

• 11:59Caleb Hammer?

  What the [BLEEP] does that mean?

• 12:01Speaker 03

  I don't know.

• 12:02Speaker 04

  Oh, I'm the breadwinner. She wants me to get a job. She wants to be a stay-at-home dog mom, I guess. Yeah, maybe.

• 12:07Speaker 03

  Do I what?

• 12:07Caleb Hammer?

  You want to be a trad?

• 12:09Speaker 03

  No, but I don't want to be the one supporting the relationship, supporting the finances, supporting all the date nights, supporting everything else.

• 12:17Speaker 04

  That, I mean, I guess that's kind of how it was then, but like, so when we broke up, we were looking to get a place.

• 12:25Speaker 03

  Yes.

• 12:25Speaker 04

  We were staying with my dad at the time.

• 12:27Caleb Hammer?

  When you broke up?

• 12:27Speaker 03

  Yes.

• 12:28Speaker 04

  Yeah, like, so.

• 12:29Speaker 03

  The week of, we were supposed to sign a lease.

• 12:30Caleb Hammer?

  Oh my [BLEEP].

• 12:32Speaker 04

  Yeah.

• 12:32Speaker 03

  Yeah, but then we get it.

• 12:33Speaker 04

  We got accepted at that place, right?

• 12:35Speaker 03

  We did, and I paid for it also.

• 12:37Speaker 04

  So.

• 12:38Speaker 03

  For the application and.

• 12:40Speaker 04

  Yeah. So when we broke up, we were looking to get a place, but I'm like, okay, things are rough now. How smart is it to sign a lease with someone that I'm like, okay, like, this would be really bad if we broke up and we just signed this year-long lease for this expensive house we were gonna get?

• 12:54Speaker 03

  Yeah, for sure. A hundred percent.

• 12:55Speaker 04

  I was like, kind of wanted to take a step back from that, but we were also living with my dad and my brother, and I was like, okay, this is like, not great either. I want to get out. But I was also kind of helping my dad out. Like, I was paying him rent, but I was helping.

• 13:10Caleb Hammer?

  But you guys didn't, right? We didn't pursue this?

• 13:12Speaker 03

  We didn't do it. No, we didn't.

• 13:14Caleb Hammer?

  So again, with where we stand, considering getting back together, obviously you see more split, you see more in favor and we're considering it. But you wouldn't care if he went and slept with someone. How would you feel if she went and slept with someone tonight?

• 13:28Speaker 04

  Uh, no, I would not like that at all. I'm still like, I would say maybe I'm more like, I want to get back together, but I do feel some type of way about like the actions, like, cause it wasn't just the guy, like, I don't even, on like New Year's Eve, she's drunk, he blowing up my phone and she's hanging out with this guy. Like, I'm like, okay.

• 13:50Speaker 03

  I did drunk text him a couple of times.

• 13:52Speaker 04

  A couple of times.

• 13:53Speaker 03

  Yeah.

• 13:55Speaker 04

  So I'm like, okay, and I don't really know what's going on. I don't really use social media. So I'm like, I only know what she tells me. Like, I'm glad you asked the question. I didn't know that she broke up with that guy. I didn't even know. But I'm also kind of a spur of the moment person. So I was like, when she invited me.

• 14:11Caleb Hammer?

  How long have you been single and now considering this?

• 14:15Speaker 03

  Uh, I don't know. Uh, I would say, I don't know, a few weeks.

• 14:21Caleb Hammer?

  Is it like desperation going back to stability?

• 14:23Speaker 03

  No, that's what I'm saying. Like, I'm not like, let's get back together next day, like tomorrow. Like, no.

• 14:29Caleb Hammer?

  It's working on.

• 14:30Speaker 03

  Exactly. So it's like, a few.

• 14:32Caleb Hammer?

  She's more skeptical. You're gonna have to win it over.

• 14:34Speaker 03

  Like, I just, I don't want to move backwards, unfortunately.

• 14:37Caleb Hammer?

  Would that be backwards? How does that feel?

• 14:39Speaker 03

  That's what I feel like. I feel like it would be backwards. So it's like, I'm open to it. But I don't know. Like, it's scary. Cause like, I have built a little bit of a good life for myself.

• 14:48Speaker 04

  Moving backwards, but then also inviting me on a trip, like staying in the same hotel. I mean, I guess that feels bad. Like, I don't, saying it's moving backwards.

• 14:57Caleb Hammer?

  One bed?

• 14:59Speaker 03

  Two beds.

• 15:00Speaker 04

  Slept in one bed.

• 15:02Caleb Hammer?

  Okay, let's be honest. I'm gonna ask. I mean, I'm gonna ask. You guys?

• 15:07Speaker 03

  Yeah.

• 15:08Speaker 04

  Yeah.

• 15:08Caleb Hammer?

  Okay.

• 15:09Speaker 03

  Yeah.

• 15:10Caleb Hammer?

  So we're kind of.

• 15:11Speaker 03

  So like I said, I'm open to it. I just don't want to make it feel like I'm moving backwards.

• 15:15Caleb Hammer?

  So we're closer than we think.

• 15:16Speaker 03

  Yeah, for sure.

• 15:18Caleb Hammer?

  I want to see how you guys are assessed.

• 15:20Speaker 03

  Okay.

• 15:20Caleb Hammer?

  The producers put this together because they knew how this conversation was going to go a bit more than me.

• 15:25Speaker 03

  Yeah.

• 15:25Caleb Hammer?

  I'm going in blind with the audience, but we have a me option and a my ex option.

• 15:30Speaker 04

  Okay.

• 15:30Caleb Hammer?

  I'm going to give you guys questions just to see how we're approaching this current state of the relationship. And I'll give my seal of approval or denial after this conversation of whether or not we should actually, you guys should actually pursue this.

• 15:43Speaker 03

  Yeah.

• 15:43Speaker 04

  Okay.

• 15:45Caleb Hammer?

  Okay.

• 15:50Caleb Hammer?

  First question, and then hold up to the camera. Who is more likely to book a vacation they cannot afford?

• 15:59Caleb Hammer?

  Okay.

• 15:59Speaker 04

  All the time.

• 16:01Speaker 00

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• 16:30Speaker 03

  All the time.

• 16:33Caleb Hammer?

  All the time? This is a constant thing?

• 16:35Speaker 03

  Yeah, I do.

• 16:37Caleb Hammer?

  Tell me, how is this?

• 16:38Speaker 03

  I book a lot of vacations.

• 16:39Speaker 04

  Since we broke up, where have you gone? You went to Hawaii.

• 16:42Speaker 03

  I went to the Bahamas. I've been like a couple like weekend things, but I mean, I couldn't necessarily afford them, but I did afford them, basically. So like I definitely shouldn't have gone on the vacation.

• 16:57Caleb Hammer?

  How does that, what, what does that mean?

• 16:59Speaker 03

  Okay.

• 16:59Caleb Hammer?

  No, exploring.

• 17:00Speaker 03

  Okay, so like at the job I was working at during these vacations, I wasn't.

• 17:04Caleb Hammer?

  By the way, I'm being told she went to Hawaii with a guy.

• 17:06Speaker 03

  I did.

• 17:07Speaker 04

  She did go to Hawaii with a guy.

• 17:09Speaker 03

  Exactly.

• 17:10Speaker 04

  Didn't really know about that either.

• 17:12Speaker 03

  Okay, so I went to Hawaii with that guy. Um, but I had a lot of fun.

• 17:17Caleb Hammer?

  Is it? I, okay, this was a long time ago, but I went kind of the extended going back sexually with an ex. A long, long time ago. And if you're the one that clearly wants to get together a bit more. That can kind of with you, with me back then. It took me a long time to kind of move on. And especially if she's out there, I mean, no fines, I mean, other dudes. Yeah. How do you feel about that, man? Cause that's to me, just having been in that situation over a decade ago, like it with me, but.

• 17:53Speaker 04

  Yeah, no, definitely wasn't fun finding out like.

• 17:56Caleb Hammer?

  But you guys are still sleeping together.

• 17:58Speaker 04

  Yeah, it's a recent, like as of like.

• 18:00Speaker 03

  Like two weeks ago, a week ago.

• 18:03Speaker 04

  Oh, yeah.

• 18:04Speaker 03

  Like it's like a week ago, a week ago, a week ago. Yes, a week ago, guys.

• 18:09Speaker 04

  Because when we broke up, like soon after that, I kind of made it apparent that I wanted to like potentially get back together. Like I was more thinking like, okay, we need to take a step back. Let's not sign this lease and maybe more of like a break. But then I'm like, literally three weeks after, I'm like, oh, we should go hang out. Like she came and saw me at a soccer game. She came and saw. And I was like, okay, let's go hang out.

• 18:33Caleb Hammer?

  Oh, this is complicated.

• 18:34Speaker 04

  I was like, go, let's go hang out. And she's like, oh no, I don't think this is a good idea. And then I talked to my buddy. I'm like, oh, she's seen someone already. Now find out. She calls me the next day. She's like, oh, I want to talk. And then I'm like, okay, let's talk, like call me. And she's like, oh, I need time. Like she's pushing the call off. And then I'm like, oh yeah, she definitely doesn't want to do it. And then once I finally get on the phone, she's like, oh, hey, what's up? Like all nice to me. And I'm like, okay, this weird. I'm like, okay, just tell me one thing. Are you seeing somebody? Like, yeah. So like.

• 19:00Speaker 03

  Yeah, it has started dating.

• 19:02Speaker 04

  Two dates.

• 19:02Caleb Hammer?

  How long you guys together before the breakup?

• 19:04Speaker 04

  Two and a half years. But we've known each other a lot longer than that.

• 19:09Speaker 03

  Yeah.

• 19:10Caleb Hammer?

  How? Cause there's a.

• 19:12Speaker 03

  I've known him for seven years.

• 19:13Caleb Hammer?

  So how? What was the?

• 19:15Speaker 03

  So my stepdad is friends with this guy who's friends with his dad. So.

• 19:21Caleb Hammer?

  I don't need more details on that, but I'm just like, when you guys were getting together, you were in like seventeen age range and you were in like that twenty-three, twenty-two. So it's like, I'm curious how that relationship was, but just asking.

• 19:34Speaker 03

  Yeah.

• 19:35Caleb Hammer?

  Okay. Next question.

• 19:36Speaker 03

  Okay.

• 19:37Caleb Hammer?

  Who is more likely to criticize the other person's spending?

• 19:41Caleb Hammer?

  Um, no. So you both think you're more likely to criticize each other?

• 19:46Speaker 03

  Okay, are you still holding that upside down?

• 19:48Caleb Hammer?

  Why?

• 19:48Speaker 03

  No.

• 19:49Caleb Hammer?

  Why do you think that?

• 19:50Speaker 03

  Um, I don't like what he spends his money on.

• 19:53Caleb Hammer?

  Go on.

• 19:54Speaker 03

  Um, so he, his favorite thing in the world is Circle K. Um.

• 19:59Caleb Hammer?

  How can that be someone's favorite thing?

• 20:01Speaker 03

  Ask him.

• 20:01Speaker 04

  I wouldn't say. I do go to Circle K a lot.

• 20:05Caleb Hammer?

  Why? It's Circle K.

• 20:07Speaker 03

  Exactly, exactly.

• 20:08Speaker 04

  Um, cause I like Coke Zero and get a seventy-nine cent Polar Pop.

• 20:13Caleb Hammer?

  You can get a cheaper Coke Zero though and bulk from Costco.

• 20:17Speaker 03

  Yeah, you can.

• 20:17Speaker 04

  I don't know if you can though.

• 20:19Speaker 03

  He likes it fresh, you know, he likes that carbonation.

• 20:21Speaker 04

  No, it's not, it's not even fresh, it's not even fresh.

• 20:25Caleb Hammer?

  Literally, okay, go on.

• 20:27Speaker 03

  And his Zins. So he, I don't know, he spends more money on that than he ever did on me.

• 20:33Speaker 04

  Well, that's crazy. That's just not true.

• 20:36Speaker 03

  Not like a hundred percent true, but yes.

• 20:38Speaker 04

  She lives at thrift stores and has a thousand pieces of clothing that she doesn't wear and doesn't need. And they're all sitting in bins in her apartment.

• 20:47Caleb Hammer?

  Yeah, she is kind of in the like Kamala outfit today, that is true.

• 20:51Speaker 03

  Thank you.

• 20:53Speaker 05

  Do not come.

• 20:55Speaker 03

  But I don't know, it's like, yeah, I don't like that he spends his money on bullshit things, I guess.

• 21:01Caleb Hammer?

  Well, he doesn't like money what you spend on either. And if we're getting back together, it's like.

• 21:04Speaker 03

  I spend my money on us, though. Like, we went on vacations, we went like out to dinners.

• 21:10Speaker 04

  When we went on vacations, it wasn't like you were spending on the whole thing.

• 21:13Speaker 03

  No, I wasn't. I paid for majority of all the vacations.

• 21:16Speaker 04

  So this is how.

• 21:17Speaker 03

  But like, that's what I would spend my money on. It wasn't Circle K and Zins that you're gonna spit out every thirty minutes. Like, you know, it's different.

• 21:25Speaker 04

  When we went on vacations, we kind of did it, I feel like, how a more married couple would be, like, shared finances where, like, okay, if she's making, like, if we totaled our money and she makes sixty percent of the income and I make forty, like, that's probably how we're gonna split the trip.

• 21:39Speaker 03

  So I was paying for a majority of the vacation.

• 21:40Speaker 04

  Oh yeah, she was paying for the majority, but she also made more.

• 21:44Speaker 03

  But that's what I spend my money on. So it's like, are you gonna disprove that of how I spend my money?

• 21:48Speaker 04

  It's not just the vacations.

• 21:50Speaker 03

  Oh, yes.

• 21:51Speaker 04

  Like you constantly spend, like going, like, it's just like shopping, not like on like store stores, but

• 21:58Speaker 03

  Yeah.

• 21:59Speaker 04

  Yours is bullshit stuff too, stuff that you don't need. You don't need little knickknack stuffs that like have no place in your apartment or just carried in bins, like you have a bunch of, you have a bunch of bullshit.

• 22:10Speaker 03

  Okay.

• 22:10Speaker 04

  At least my stuff's getting used. I drink the Polar Pop, the Z's get used.

• 22:14Speaker 03

  Every day, every day.

• 22:15Speaker 04

  And the apple fritter at Circle K is really good.

• 22:18Speaker 03

  Oh, his Doritos for breakfast and dinner?

• 22:20Speaker 04

  What are you even talking about?

• 22:23Speaker 03

  So, yeah.

• 22:24Speaker 04

  But it's because I work.

• 22:25Caleb Hammer?

  You guys, it's an interesting little observation. You guys are covering like your disagreement and like kind of attack to the other person with like a laughter.

• 22:36Speaker 03

  Hmm.

• 22:37Caleb Hammer?

  Instead of like, because like you hear it and it's like a real attack, but then you're like, ha, ha, ha, giggle about it. And that's, you're in that weird state.

• 22:45Speaker 04

  Um, I mean, maybe, like, I don't dislike, my purchases, like she's saying the Circle K. I will fight for that. Like, I work in a warehouse. My job starts at four thirty P M. And, I mean, it's on the way to work. I'll go get it. It's usually energy drinks too.

• 23:05Caleb Hammer?

  Buy in bulk. That, that, that's okay. 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. Yrefi 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 six percent, 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, Yrefi's got you. They'll arrange your repayment plan, ease the monthly hit, and even let your poor cosigner off the hook.

• 23:48Caleb Hammer?

  Mom and dad, eh, they can finally breathe. Oh, and if you think you'll just get stuck on a call center waitlist, guess what? Four point six stars on Google says Yrefi 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.

• 24:11Caleb 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 seventy eight. That's triple eight Y refi dash seventy eight 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 ninety is not the retirement plan you dreamed of. Next, who has more of a temper?

• 24:43Speaker 03

  Okay, yeah, no.

• 24:44Caleb Hammer?

  But like when we're arguing about the finances, does that seem to come out more? Does it get toxic, these financial conversations that we have as a couple had like might have again?

• 24:54Speaker 04

  They did. Yeah. She just doesn't really have a temper and I don't really.

• 25:00Caleb Hammer?

  She giggles off everything you throw at her, which I guess it's more of a deflection.

• 25:04Speaker 03

  For sure. Yeah. Cause I feel like I talk to a wall.

• 25:07Speaker 04

  No, she thinks that I can't lose a conversation. I will refuse and I'm combative and I know.

• 25:13Speaker 03

  I'm like, why would I continue the conversation if he's just gonna until I say, okay, you're right. And then I say, and then he goes, oh, you know, I'm not right. So why are you just gonna shut up? And I'm like.

• 25:24Speaker 04

  I don't say that. I don't say that. I don't say I know I'm not right and then fighting a thing. No. It's like, I'm actually talking to a wall there. You just don't say anything. That was probably the biggest reason why we did break up is because you literally.

• 25:36Speaker 03

  You keep going. You harp on things for days. Like you'll literally, yes, you do.

• 25:40Speaker 04

  No, you are like literally a wall. You just sit there and.

• 25:44Speaker 03

  Yes, because you keep going. Like there's no point.

• 25:46Speaker 04

  Everything I say, because I want to get to like a finish line of a point. Like, okay, if we're arguing about this, I want to get to this point. And I'm like, okay, let's get the conversation.

• 25:55Speaker 03

  But if I don't want to get to that point, because I don't agree, you still want to get to that point. So I just shut the fuck up.

• 26:00Speaker 04

  It's not even that point like that. I want to get to. It's like a completion of the argument. You're just like, okay, I don't want to do this argument. And I wouldn't say I have a temper in our relationship. I probably, I raise my voice pretty loud, like two times. And I don't want to do that. Like, I don't want to be that person because I see people that do that and I don't think it's right. But I mean, maybe I should have more, but.

• 26:21Speaker 03

  Outside of the relationship, he also has a temper with his family, with his brother, with his mom.

• 26:27Caleb Hammer?

  His mom?

• 26:28Speaker 03

  Yes. They will argue. Like we would go on family vacations and you can't get through a family vacation without someone fighting.

• 26:34Speaker 04

  All right, well, that's not my fault.

• 26:36Speaker 03

  It is because you are the problem most of the time, then you get a pissy mood.

• 26:40Speaker 04

  Crazy.

• 26:41Speaker 03

  It's not.

• 26:42Speaker 04

  Knowing.

• 26:43Speaker 03

  Yes, because your whole family has the same issue.

• 26:46Speaker 04

  Um, I would say this, uh, I think my mom, she has a little, she's a little control freakish.

• 26:53Speaker 03

  So is your brother and so are you.

• 26:54Speaker 04

  Like might have passed it down a little bit, so I want control.

• 26:57Caleb Hammer?

  Okay, so control freak, but if we're having a financial conversation with both are kind of equal halves. Two and a half years, you can be talking about marriage around then. Obviously you guys broke up, but we're considering getting back together. So it's a bit more complicated, but if we're going back into the financial conversation, I mean, give me, give me like, what a financial conversation like looks like at that point.

• 27:15Speaker 03

  I think the biggest one was when we were looking for an apartment, there was spots I liked more than he did because we have a dog. Um, so he was like, well, I want to place the big yard.

• 27:24Caleb Hammer?

  Who got the dog?

• 27:26Speaker 03

  He got the dog.

• 27:26Speaker 04

  We got the dog.

• 27:27Caleb Hammer?

  That's hard.

• 27:28Speaker 03

  He got the dog.

• 27:29Speaker 04

  So when I moved back from Colorado, I'm like, okay, I want to get a dog.

• 27:32Caleb Hammer?

  No, that's, I'm asking post breakup. Okay.

• 27:34Speaker 04

  Okay.

• 27:34Speaker 03

  Oh, when it was his dog, he kept it. There was no argument there. So anyway, so he's like, well, we need a place with a big yard. Well, all the places that I liked didn't have a big yard. They had a small yard. But I was paying for the rent. So he thought he had all this say of where we had to live when I was paying the rent.

• 27:50Speaker 04

  That was the only thing I asked for in the entire.

• 27:53Speaker 03

  I know, but it was like, no, because then all the other places were farther from my work.

• 27:58Speaker 04

  She was looking at places that were like no street lights, like you're not going to walk your dog at night. Like sketchy areas and the yard was the size of this table.

• 28:08Speaker 03

  No, it wasn't.

• 28:09Speaker 04

  Yes, it was.

• 28:10Speaker 03

  That's not true. No. But again, anyways, I was paying the rent. I have the bigger say. And he was like, well, you're being really selfish. Why would you say that? Because I'm paying the rent. I should have the final say where we live.

• 28:19Speaker 04

  So she just wanted the nicest place possible.

• 28:21Speaker 03

  I did.

• 28:22Speaker 04

  And they all came along with the smallest yard possible. And I'm like, okay, the, one of the biggest reasons we're moving is we have this dog.

• 28:29Speaker 03

  And that was, that wasn't the main reason we were moving. That was one of them. Yes, but still.

• 28:34Caleb Hammer?

  Oh, my gosh, you guys, this is crazy. I mean, and then literally I, I'm, they just sent me a note that is relevant to how you guys are just going about this conversation. I mean, they're talking through your guys' breakup and stuff and when they had a conversation with you, right? You gave them like you played out just like called her her face and it's just toxic.

• 28:56Speaker 04

  I said that?

• 28:57Speaker 03

  Yes, you did.

• 28:58Speaker 04

  I mean, I might have said that.

• 29:00Caleb Hammer?

  I call people all the time, but it's usually out of just like the show.

• 29:03Speaker 03

  Yeah, and that's how it usually is.

• 29:04Caleb Hammer?

  But like you, it was more of a like attack. I don't know. Who?

• 29:10Speaker 04

  When I broke up with her, nothing. She said nothing to me. When I broke up with her, it was like.

• 29:15Caleb Hammer?

  It was a shock.

• 29:16Speaker 04

  But that's how she isn't.

• 29:17Speaker 03

  We had the same, we had basically the same conversation like three months earlier. So it was like, I wasn't going to do that again. So I said, okay, packed it up and left.

• 29:26Caleb Hammer?

  Who on like, who, who was the reason for the breakup?

• 29:31Speaker 04

  I initiated.

• 29:33Caleb Hammer?

  Was the reason for the breakup? Okay.

• 29:37Speaker 03

  Yeah.

• 29:38Caleb Hammer?

  So it's interesting. You're the one that broke up, but you're the one considering getting back together. You did not choose to break up and you're more on the fence.

• 29:44Speaker 04

  She wanted to break up. You can't lie that we were going towards that.

• 29:49Caleb Hammer?

  Again, having been on that side before, not on this side. Uh, why are you still diddling up with this guy if you're not fully ready to get back together? Cause it does string him along.

• 30:01Speaker 03

  Because things were good for a really long time.

• 30:03Caleb Hammer?

  Were, but now you're just.

• 30:05Speaker 03

  Well, but I want.

• 30:06Caleb Hammer?

  But you're, but you're on the fence. So if you don't know, why are you going back?

• 30:10Speaker 03

  Because I things were good. I like his family.

• 30:13Caleb Hammer?

  Were good, but you were not committing to going back, but you're still fucking. Um, so why are you still fucking?

• 30:20Speaker 03

  It's been a week.

• 30:22Caleb Hammer?

  Yeah.

• 30:23Speaker 03

  Week and I was like twice.

• 30:24Speaker 04

  Well, we're, we're like, we're like hanging out more, like seeing each other.

• 30:30Caleb Hammer?

  I'm just saying it could really string him along.

• 30:33Speaker 04

  No, she was definitely doing that while we were broken up, like.

• 30:36Caleb Hammer?

  Well, did you guys, were you guys doing that?

• 30:38Speaker 04

  We were like not.

• 30:39Caleb Hammer?

  Did you guys ever get back together throughout?

• 30:41Speaker 04

  No.

• 30:42Caleb Hammer?

  Okay. So either way, this unless he's ready to get back together, you are more on the fence.

• 30:47Speaker 03

  Yeah, because.

• 30:48Caleb Hammer?

  Fine, you're 75, she's 50 percent. But even still. Unless you're swaying that way, why?

• 30:54Speaker 03

  Cause I want, like if things are different and like he changes and like he gets his life together.

• 30:58Caleb Hammer?

  That sounds more than 50% then.

• 31:00Speaker 03

  Because like, yes.

• 31:02Caleb Hammer?

  So you're leaning more towards getting together?

• 31:04Speaker 03

  Yes, but only if things change. Cause like I don't want.

• 31:06Caleb Hammer?

  Before then, cause that can mess with someone.

• 31:08Speaker 03

  Okay, then we won't anymore. Like, and like if that's how.

• 31:12Caleb Hammer?

  Now I'm breaking his heart, so.

• 31:14Speaker 03

  That's fine, but like, I don't know, it just happened. Like, I didn't text him, oh, wanna fuck tonight? No, like it just happened.

• 31:22Caleb Hammer?

  That's usually what I do.

• 31:24Speaker 03

  Exactly. So like, no. So like, yes, like I, like it was good for a while. I've known him for seven years. I've known his family for seven years.

• 31:30Caleb Hammer?

  I know, but you're not getting back to that's, you don't, I'm not talking about where you guys have been. I'm just talking about what you might be doing to someone.

• 31:38Speaker 03

  Okay.

• 31:38Caleb Hammer?

  Someone who's already there, almost.

• 31:40Speaker 04

  Cause when we did break up, I was like, I made it real clear that I wanted to get back together. And then at a certain point, I was like, I already asked her like to hang out and then she made it like, cause she was texting me.

• 31:51Caleb Hammer?

  Have you guys broken up before?

• 31:52Speaker 04

  No.

• 31:53Caleb Hammer?

  Okay.

• 31:53Speaker 04

  Not really.

• 31:54Caleb Hammer?

  Who's more likely to get involved in a pyramid scheme?

• 31:59Speaker 04

  No.

• 31:59Caleb Hammer?

  Okay, you both say each other, why? You know each other's habits, but we're the fact.

• 32:03Speaker 04

  I know what she'll say, but I don't know, you're like, I feel like, that's something you think you would be good at. Like I think you'll do the sales, like you'll try and sell like someone that you're good friends with will, sell you on something I can get in. You're like, oh, I know all these people. Come on.

• 32:17Speaker 03

  No, I would not. I would not do that.

• 32:20Speaker 04

  You're in, you're in health insurance. You're like one medium away from.

• 32:23Speaker 03

  But it's different. Health insurance is like federally regulated. That's not like I'm selling Mary Kay on the side of the street to my hairdresser. No. Like that's different. You on the other hand, 100%, you're always, let me buy this, let me buy that, this course, that course, great idea.

• 32:39Speaker 04

  I don't know enough people to do a pyramid scheme.

• 32:41Speaker 03

  It doesn't matter. You would sign up for it though.

• 32:43Speaker 04

  No.

• 32:45Speaker 03

  You would.

• 32:46Speaker 04

  No.

• 32:47Speaker 03

  Okay, so the one who spent nine grand on a course he didn't pursue.

• 32:51Caleb Hammer?

  What?

• 32:52Speaker 03

  Yeah.

• 32:52Caleb Hammer?

  On a course?

• 32:54Speaker 04

  You know.

• 32:54Caleb Hammer?

  What is it?

• 32:55Speaker 04

  You know who Pace Morby is?

• 32:56Caleb Hammer?

  No.

• 32:57Speaker 04

  You don't know who that is?

• 32:58Speaker 03

  No one knows who that is.

• 33:00Speaker 04

  People know who that is. He was on Graham Stephan not that long ago.

• 33:04Caleb Hammer?

  On Ice Coffee Hour?

• 33:05Speaker 04

  Yeah.

• 33:05Speaker 03

  Mm-hmm.

• 33:06Speaker 04

  Um.

• 33:07Caleb Hammer?

  I don't know, for me, I mean, nine thousand's pretty brutal.

• 33:09Speaker 04

  No.

• 33:10Caleb Hammer?

  We sell educational programs and we have a lower refund rate than anyone else in the agency.

• 33:13Speaker 03

  You should try and sell him, he'll buy.

• 33:15Caleb Hammer?

  In the, in the industry. Yeah, but we actually provide value and people have proven that. But, but, but, we don't do nine thousand dollars. We're like a couple hundred bucks so people can change their lives and still have access to it, but also, you know, you know, make, still business.

• 33:30Speaker 03

  He's got access to a Facebook community, so it's worth it.

• 33:32Speaker 04

  Bro. I was probably in a better financial point then, but that might have been the start of it down.

• 33:38Caleb Hammer?

  Nine thousand?

• 33:39Speaker 03

  Mm-hmm.

• 33:39Caleb Hammer?

  What were you supposed to learn?

• 33:40Speaker 04

  Um, so.

• 33:42Caleb Hammer?

  And you never took it?

• 33:43Speaker 04

  No, I didn't.

• 33:43Speaker 03

  He didn't.

• 33:44Speaker 04

  Like, I went through it. It's just more of like.

• 33:46Caleb Hammer?

  Well, okay, what did it teach them? Because, again, we teach budgeting, paying off debt, not like, oh, you're gonna be a multimillionaire.

• 33:52Speaker 04

  That's not what it was saying either. Um, you own property, right?

• 33:56Caleb Hammer?

  Yeah.

• 33:56Speaker 04

  Do you have traditional mortgages on them?

• 33:59Caleb Hammer?

  I'm stealing some, yeah.

• 34:00Speaker 04

  Do you have, like, any creative deals?

• 34:02Caleb Hammer?

  No.

• 34:02Speaker 04

  You know what that is, though, right?

• 34:04Caleb Hammer?

  Actually, one, technically, one, yes.

• 34:05Speaker 04

  What was it, like a seller finance or something?

• 34:07Caleb Hammer?

  No, I don't have that.

• 34:08Speaker 04

  Okay, so he teaches, like.

• 34:11Caleb Hammer?

  Boring. This is a fun one. I get to get you free money and then I get to get myself free money. It's a pure win-win for both of us. What do you have to do? Sign up for a SoFi high-yield savings account and get a welcome bonus of three hundred dollars. Sign up for Acorns using my link and get twenty dollars instead of the usual five dollars. Finally, sign up for Silo and earn up to five thousand dollars in cash back on your own stocks. These offers have been negotiated to give us both more money than using traditional signup methods. So use the links in the resources section of the description below and get yourself five thousand three hundred twenty dollars right now.

• 34:51Caleb Hammer?

  You, you are someone who dreams of this grand life, nine thousand dollars on a course, which you don't even have close to the necessary for.

• 35:00Speaker 04

  If for to get one, you might need, like, you could get a five hundred thousand dollar house for maybe thirty grand out of pocket.

• 35:06Caleb Hammer?

  You have thirty grand?

• 35:07Speaker 04

  No, I don't. But, so there was other stuff where.

• 35:10Caleb Hammer?

  You do have thirty grand of that.

• 35:14Speaker 04

  But there was other um like ways like you can get the contract and assign it to someone else and then you would make

• 35:20Caleb Hammer?

  Buddy, checking the savings combined for you is eight hundred twenty-five dollars. What the fuck are you buying a nine thousand dollar course for?

• 35:27Speaker 04

  Oh, that was a while ago.

• 35:28Speaker 03

  And it hasn't done it yet.

• 35:29Speaker 04

  And now everything is, I have done it.

• 35:30Speaker 03

  Pursued it afterwards. You finished it. Oh, wow.

• 35:35Speaker 03

  So, yes.

• 35:35Caleb Hammer?

  Who's more likely to hide spending from the other person in the relationship?

• 35:42Speaker 03

  Yeah, I don't know.

• 35:43Speaker 04

  Like on stuff like.

• 35:45Caleb Hammer?

  You're willing to admit this, that you would be more likely, you guys are considering getting back together and you're saying you're more likely to hide spending?

• 35:52Speaker 04

  Um, it's not like big spending, but I would definitely like, I'm not gonna hide something like that, but it would be like, oh, I don't want to tell her I just went and bought food or something like.

• 36:02Caleb Hammer?

  Why wouldn't you want to tell her?

• 36:04Speaker 04

  Um.

• 36:05Speaker 03

  Yeah, why would you want to tell me?

• 36:06Speaker 04

  Honestly, it was more like, cuz uh, like I used to have some weight on me and I have like a weird thing about weight.

• 36:12Caleb Hammer?

  You look like a former fat. That is true. I see it in you.

• 36:17Speaker 03

  Have you ever been to Barton, have you been to Barton Springs?

• 36:20Caleb Hammer?

  I live in Austin.

• 36:21Speaker 03

  Oh, well, have you been?

• 36:23Caleb Hammer?

  Yeah.

• 36:24Speaker 03

  Okay, okay, whatever, whatever. Have you used the diving board?

• 36:28Speaker 04

  Uh-uh.

• 36:29Speaker 00

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• 36:59Speaker 03

  Ask him about his most embarrassing.

• 37:00Caleb Hammer?

  It's too cold, honestly.

• 37:01Speaker 03

  Okay, ask him about his, so you've never been inside Barton Springs?

• 37:04Caleb Hammer?

  I have miserably. Honestly, I, I either sunbathe.

• 37:08Caleb Hammer?

  Or

• 37:08Speaker 03

  Yeah, that makes sense.

• 37:09Caleb Hammer?

  Look a boobs, but yeah.

• 37:10Speaker 03

  Fair enough, fair enough. But ask him about his most embarrassing story ever.

• 37:14Speaker 04

  So I had a, um, like a party at a friend's house.

• 37:19Caleb Hammer?

  How does that feel? If we're considering getting back together, if we're considering getting back together and he's saying he's the one that's most likely to hide. And he doesn't want to tell you, how does that feel?

• 37:27Speaker 03

  I don't like that.

• 37:29Speaker 04

  It was mostly food, because I'm like, damn, I feel like.

• 37:31Caleb Hammer?

  I know, but it is something.

• 37:33Speaker 03

  Yeah, I know.

• 37:34Speaker 04

  Yeah, it would never be, I know, like, because I don't think she would.

• 37:38Speaker 03

  Yeah, I'd be coming home like, look what I got at the thrift store today, I spent a hundred bucks.

• 37:41Speaker 04

  Oh, you want to see this haul? And I'm like, oh yeah, okay, we spent.

• 37:44Speaker 03

  I don't care.

• 37:45Speaker 04

  Sixty dollars at the Goodwill, and we spent sixty dollars at the Goodwill two weeks ago, or like, three days ago.

• 37:51Speaker 03

  I'll show them, I don't care.

• 37:52Speaker 04

  Especially because what I do is, like, I'll go get, like, a whole pizza and I'll just eat it.

• 37:58Caleb Hammer?

  Okay, and finally, who's more financially responsible?

• 38:04Caleb Hammer?

  Okay.

• 38:05Speaker 03

  Yeah, okay. There's no way. You're one, one, you're in more debt than I am. And two, mine's within like the last eight months. Exactly, why are you still in debt?

• 38:17Speaker 04

  Okay, like, I think in, um, in spurts, I think, I, I feel like I'm an in spurts person.

• 38:25Speaker 03

  It's in spurts, and then you get out of it, you're blessed, and then you do it again, and it's absolutely ridiculous. Like, it's embarrassing.

• 38:32Speaker 04

  I think you just have the more worse spending habits. Like, mine are.

• 38:36Caleb Hammer?

  She just called you embarrassing, by the way.

• 38:39Speaker 04

  What'd you say?

• 38:39Speaker 03

  It's embarrassing, you're getting like bailed out.

• 38:42Caleb Hammer?

  They talk at each other.

• 38:44Speaker 03

  Because you get bailed out of [BLEEP] and then you do it again.

• 38:47Speaker 04

  No, I've been bailed out, like, I've had support, but I haven't been, I've been blessed, like.

• 38:53Speaker 03

  One hundred percent.

• 38:54Speaker 04

  Okay, I'm sorry, my mom loves me more than yours.

• 38:58Speaker 03

  I know, but like, it's crazy because you'll just turn around and do it again, and it's just disrespectful to her.

• 39:03Speaker 04

  I, I, what do you mean?

• 39:05Speaker 03

  I'm saying, do you still have student loans?

• 39:08Speaker 04

  I do.

• 39:08Speaker 03

  Okay, your mom paid for them, why?

• 39:10Speaker 04

  No, she didn't.

• 39:10Speaker 03

  She gave you money to.

• 39:12Speaker 04

  But I told her they weren't going to get paid for that.

• 39:14Speaker 03

  Here's, here's money to pay off your entire student loans, congratulations on graduating. Okay, mom, I'm not going to spend it on that, but thank you.

• 39:21Caleb Hammer?

  Bro, what the [BLEEP] did you do?

• 39:22Speaker 03

  Exactly. Like, that's insane.

• 39:24Speaker 04

  Exactly, you know what I spent it on.

• 39:27Speaker 03

  Oh, was it a Corvette?

• 39:28Speaker 04

  It was a Corvette.

• 39:29Speaker 03

  A Corvette, mm.

• 39:30Caleb Hammer?

  Your mom. Gave you money to pay off the loans.

• 39:33Speaker 03

  Because, oh, but it might get forgiven. So like, why would I pay off if it gets forgiven?

• 39:38Caleb Hammer?

  How'd that work?

• 39:39Speaker 04

  Okay, okay. What are my, what's my student loan?

• 39:42Caleb Hammer?

  For her? Is it out of sympathy?

• 39:44Speaker 04

  No, it's not.

• 39:45Speaker 03

  No, it's definitely, it's definitely, his mom's very nice and like, yeah, she does very well for herself. And yeah, if I had a child who graduated, I would 100% pay off his debt if I was like, had the means to. And it's definitely really nice that she does that.

• 39:58Caleb Hammer?

  I mean, it depends on behavior, but.

• 40:00Speaker 03

  Exactly. So it's like, but then it doesn't change.

• 40:02Speaker 04

  I have two loans out right now. My student loan loan is, let's say it's $10,000 and at 5%. And I have a car note out for 10%. Which one should I pay off?

• 40:13Caleb Hammer?

  So was it paying off a car?

• 40:14Speaker 04

  Yes.

• 40:15Caleb Hammer?

  It wasn't buying a car?

• 40:16Speaker 04

  No, I already had the car. No, I already had the car because I saved up the money in Jacksonville. I put, I put four grand down.

• 40:24Speaker 03

  Money beforehand.

• 40:25Speaker 04

  No, she didn't. See, that's, you don't know. Cause I put that money, I put that money towards the, I put that money towards the Corvette.

• 40:32Speaker 03

  Paying those student loans. And now he doesn't have the Corvette anymore.

• 40:35Speaker 04

  She doesn't even know. I feel like that was the better financial decision.

• 40:38Caleb Hammer?

  Mathematically, I choose the 10% in the depreciating asset, but.

• 40:40Speaker 03

  Respectfully to your mom, who gave you money specifically to pay off her student loans.

• 40:45Speaker 04

  I didn't lie to her. I didn't lie to her.

• 40:47Caleb Hammer?

  I wouldn't tell her. I'd have a conversation.

• 40:49Speaker 03

  Well, yeah, but like, she's not gonna tell you now.

• 40:51Speaker 04

  I told, I told her as soon as, because it was smarter to do that. And I'm deferred anyways. Like, I was still.

• 40:58Caleb Hammer?

  Well, we don't know the context about buying the car, when you got the car, were you buying the car expecting this money to come from mom? Were conversations happening before that? There's a lot of context that can go involved in you getting this money and then putting it towards the car. Instead of putting it towards the student loans, which she thought you were going to.

• 41:12Speaker 03

  Hmm.

• 41:12Caleb Hammer?

  And if she only wanted you to put it towards the student loans, it was her money, her gift intended for that, then I would put it towards student loans.

• 41:18Speaker 03

  Exactly.

• 41:18Speaker 04

  Before she sent it to me, I told her I wasn't gonna use it for that.

• 41:21Speaker 03

  She was still gonna do it. And she's not gonna tell it because she's nice.

• 41:24Caleb Hammer?

  She was gonna do that. How long did you know she was gonna do that?

• 41:26Speaker 04

  Um.

• 41:26Caleb Hammer?

  Was it before you got the car?

• 41:28Speaker 04

  But see, I always thought.

• 41:29Caleb Hammer?

  No, was it before the? Car that you knew.

• 41:31Speaker 04

  So it was always kind of an.

• 41:33Caleb Hammer?

  There you go. So you got the car because you knew the money was coming. So that is different. That is different than this is a random thing that happened and you put it towards mathematically making sense. You instead chose to go get the car because you always knew money would be coming that you could pay off the student loans or it with.

• 41:52Speaker 04

  No.

• 41:53Caleb Hammer?

  Oh, come on. How?

• 41:54Speaker 04

  Because it was.

• 41:55Caleb Hammer?

  You're a human being. You're able to have that cognitive skill in the back of your brain. Knowing that you could pay off the car because this money's coming.

• 42:07Speaker 04

  Okay, either way, let's just say I did, which I'm not saying either way, which one's better because I would have got the car anyways.

• 42:13Caleb Hammer?

  No, no, because it's it's context. It's not. It's not a black and white thing. It is context.

• 42:19Speaker 04

  Because at the time.

• 42:20Caleb Hammer?

  This isn't the internet where context is impossible. That's like most Twitter and Reddit thread. That's not how we do it. We're able to have context here.

• 42:29Speaker 04

  Yeah, but I wasn't expecting that because my my brother, he has student loans for a trade school. His are a lot more than mine and like we've kind of heard like, oh, this is going to happen, but not I didn't know like, okay, when I graduate, she's going to pay like she's going to help me out with them. So.

• 42:47Caleb Hammer?

  What do you think your hammer financial score is zero to 10, zero being the worst, 10 being the best?

• 42:51Speaker 03

  Hmm, since I said in the statements, I would say one, but last year it would have been higher if.

• 42:58Caleb Hammer?

  So it's gotten worse?

• 42:59Speaker 03

  It has the last eight months.

• 43:00Caleb Hammer?

  So are you okay with getting someone with someone back with someone who's gotten worse?

• 43:04Speaker 03

  It's on the up and up.

• 43:05Speaker 04

  But it was.

• 43:06Caleb Hammer?

  It's gone only down.

• 43:07Speaker 04

  It was kind of my fault. Like she was, she's in a bad spot because of the apartment that she's in.

• 43:13Caleb Hammer?

  Just the apartment, no choices, no going to Hawaii and like that. Really? Come on. She still chose to do these all vacations.

• 43:21Speaker 03

  Yeah.

• 43:21Caleb Hammer?

  If if our rent is more expensive than we can afford, which sucks, then you sacrifice the other things to make life work. You don't get to still just go do whatever. We want when it's mathematically not working. So no, it's not just his fault. And I know you're trying to get your suck later. So like, don't just.

• 43:37Speaker 03

  I didn't say it was just his fault.

• 43:39Speaker 04

  No, I would say like when the income, the expenses are higher than the income, like that's.

• 43:45Caleb Hammer?

  Yes, but then why would we be going to Hawaii?

• 43:47Speaker 03

  Because I bought the ticket before my income actually started going down.

• 43:51Caleb Hammer?

  You still decided to go and it would require spending more money while you're there.

• 43:54Speaker 03

  Yes, not that much more though.

• 43:56Caleb Hammer?

  But it was more. And if we can't, if we don't have money, we don't do that. It's as simple as that. And you, what's your financial score?

• 44:03Speaker 04

  Um, it's probably like a two right now.

• 44:05Caleb Hammer?

  Okay. So better than her.

• 44:07Speaker 04

  Yeah, definitely better than her.

• 44:09Caleb Hammer?

  If you guys watch your score and see where you are in the world of finances, take the assessment, go to Calebhammer.com or click the link in the description below. If you don't want to be like them, not the breaking up part or the randomly hooking up part or whatever the. The financial part, download our budgeting app and make sure you sign up for the annual version and I will send our cookbook and notebook signed by me directly to your doorstep. And don't forget, you can come here to Austin, Texas by going to Calebhammer.com slash apply. We'd be happy to have you on the show. All my, the longest intro in the history of the show, because you guys are just bickering little fucking demons.

• 44:42Speaker 03

  You made us play the game.

• 44:43Caleb Hammer?

  Yeah, to get some insight into you guys. I wasn't expecting it to take that long. Cause if the big question is whether or not we should get back together, the producers were like, well, let's see what they say about each other. And a game's a good way to do that. Freedom flex. Whose card is this?

• 44:56Speaker 03

  That one's mine. It's my worst one.

• 44:58Caleb Hammer?

  So her card, by the way, dude, is a $7,377.60. You don't know this? You guys know which one's finances like.

• 45:07Speaker 04

  She might knows mine better, but she actually.

• 45:10Caleb Hammer?

  Yeah, it's a $7,377.60. What are your thoughts?

• 45:14Speaker 04

  That's insane. I did. That's really bad. That's so bad. That's almost as bad as my whole situation.

• 45:21Speaker 03

  Okay.

• 45:21Speaker 04

  Or at least my credit card situation.

• 45:23Speaker 03

  Okay, like it's my bad. It used to be good.

• 45:27Caleb Hammer?

  Who gives a about used to? I don't give.

• 45:29Speaker 03

  No, I know.

• 45:30Caleb Hammer?

  You used to, whatever. Even if you're doing something bad in the used to.

• 45:32Speaker 03

  Yes, I get it. I know it's terrible.

• 45:34Caleb Hammer?

  I'm not beating you for your badness.

• 45:35Speaker 03

  For sure, yes.

• 45:36Caleb Hammer?

  Again, this isn't the internet. It's not how we operate in real life.

• 45:38Speaker 03

  Yeah, I know. It's up there, surprise. Like, I told you it was bad.

• 45:44Caleb Hammer?

  You don't care?

• 45:45Speaker 03

  I do care, but like, it is what it is.

• 45:47Caleb Hammer?

  How long does this take to pay off doing minimum monthly payments only? Which she does, but without purchasing anything which she's incapable of. So, how long does it take to pay off?

• 45:56Speaker 03

  I would say nineteen years.

• 45:58Caleb Hammer?

  Well, she hit it. Maybe she looked at it when she sent it in.

• 46:01Speaker 03

  Yeah.

• 46:01Caleb Hammer?

  It's nineteen years.

• 46:02Speaker 04

  I didn't look at mine.

• 46:03Caleb Hammer?

  And she pretended like she was thinking about it.

• 46:05Speaker 03

  No, because like, I know it was around. I sent three statements. I don't know which one it is.

• 46:09Caleb Hammer?

  Hundred and thirty-one dollars of purchases and ninety-two cents on a card that you only put in the minimum payment towards interest is accruing.

• 46:17Speaker 03

  Yeah.

• 46:17Caleb Hammer?

  It's over maxed out by a hundred seventy-seven dollars. Dude, you wanna get back together with this creature?

• 46:24Speaker 03

  How's that make you feel?

• 46:24Caleb Hammer?

  Yeah. She's above the credit limit. You're okay with that.

• 46:27Speaker 04

  Hey, maybe mine, if she's a one, I might be the three, four.

• 46:30Speaker 03

  Yeah, right. Okay.

• 46:31Caleb Hammer?

  Why is it above the credit limit?

• 46:33Speaker 03

  The interest hit.

• 46:34Caleb Hammer?

  No, you're purchasing!

• 46:36Speaker 03

  Well, that too, but...

• 46:37Caleb Hammer?

  That is it. That is the thing you have control of. You don't have control of the interest.

• 46:40Speaker 03

  Yeah, I know.

• 46:41Speaker 04

  If you pay the monthly payment, that, like, it's gonna pay off the interest and a little bit.

• 46:45Caleb Hammer?

  Yes.

• 46:46Speaker 03

  Yes, I know. I understand that.

• 46:47Caleb Hammer?

  So why the [bleep] would you say the interest then? Because that's not the answer.

• 46:51Speaker 03

  That's part of the answer.

• 46:53Caleb Hammer?

  Yeah, that's some good cope giggling you got, but that's a bull [bleep] answer. Because that is not why it's above.

• 46:58Speaker 03

  I know, but...

• 47:00Caleb Hammer?

  You know, yet...

• 47:01Speaker 04

  What did you even spend on the card?

• 47:03Caleb Hammer?

  The real answer was because you spent, because you're an irresponsible child with your money. So why the [bleep] would you deflect with a bull [bleep] answer?

• 47:10Speaker 03

  I don't know. It's...

• 47:11Caleb Hammer?

  I think it speaks to something.

• 47:14Speaker 03

  Yeah, it does, but...

• 47:15Caleb Hammer?

  You're not confronting this at all? You don't care yet?

• 47:17Speaker 03

  I mean, like, what? I don't know what to say to that.

• 47:20Caleb Hammer?

  You've given up over this last year and you don't give a [bleep] yet? You slid into a worse situation and you've hit the limit there? You don't care? And you're probably not ready to change.

• 47:29Speaker 03

  I am ready to change, for sure.

• 47:31Caleb Hammer?

  Go on.

• 47:32Speaker 03

  Cause I got a different job. A lot of that is spending because of my last job.

• 47:36Caleb Hammer?

  What? That doesn't make sense. What was your last job that required spending?

• 47:39Speaker 03

  Okay, well, I was in health insurance. You had to buy your own leads and there's a lot of money that goes into it.

• 47:45Caleb Hammer?

  Why would you put it on, you're not, are you getting 30% returns on every single lead you spent? Cause that's the interest that you're getting on this card that you're not paying off.

• 47:51Speaker 03

  I used to. When I first did, yes. No, I know.

• 47:53Caleb Hammer?

  Netflix, Amazon Paramount Plus, Canva, Apple and storage. So.

• 47:59Speaker 03

  So those are like my subscriptions that are just on there.

• 48:01Caleb Hammer?

  Probably getting a morning after from CVS it looks like.

• 48:04Speaker 03

  No, that's definitely not. But no, so like, yeah, all that that you just named is my subscriptions that hit. What are my spendings on there?

• 48:12Caleb Hammer?

  It's subscriptions, bull.

• 48:15Speaker 03

  It's not like I'm going to Target.

• 48:18Caleb Hammer?

  Lady, lady, you are choosing bull subscriptions over actually paying down the card. Which says you don't care and you're not ready to change. If your defense is, oh, it's just subscriptions, then obviously you're not ready. Cause we would rather pay down the card that is accruing interest that is gonna take 19 years to pay off, than have Netflix and Paramount Plus at the same time.

• 48:43Speaker 03

  They're all with ads.

• 48:44Caleb Hammer?

  And picking up some bull from the store and Apple bills and Amazon. Pull up your Amazon for me. Listen, you lost 600, or sorry, 800 and 845 dollars and 37 cents of interest this year so far on here.

• 48:58Speaker 03

  Okay.

• 48:58Caleb Hammer?

  You don't give a.

• 48:59Speaker 03

  No, I do, but like.

• 49:00Caleb Hammer?

  You wanna get back together with that?

• 49:02Speaker 04

  I don't know. Like, that's really bad.

• 49:04Caleb Hammer?

  Seriously, when you guys get back together, we're probably considering a future at that point. Okay. Uh, like, that's not a fling. A fling shirt, I don't care. Do that. But if you guys are getting back together, finances are an important part of it. And look at this. She doesn't care. She's given up. She's done. And she's just bull. Way out of this pushback. Money stress hits hard, but sometimes the damage isn't just in your bank account. It shows up in how you sleep, how you think, how you show up to your life. And that is where Sounder Mind comes in. They help you find licensed therapists and psychiatrists fast, matched to your needs, your schedule, your preferences. There's no waiting months, no guesswork, online or in person.

• 49:46Caleb Hammer?

  And their app even comes with self-care tools to help you in between sessions. And here's the thing, Sounder Mind works with most major insurance plans. So you're not trading one kind of stress for another. Plus they're available nationwide, so you can find care wherever you live. So go to sondermind.com/kaleb and get started today.

• 50:07Speaker 03

  I don't know what's on here.

• 50:09Caleb Hammer?

  You don't know how to pull up your Amazon?

• 50:11Speaker 03

  It was loading, Joe. Your wifi sucks.

• 50:15Caleb Hammer?

  Does it?

• 50:15Speaker 03

  Yeah, it's terrible. We were trying to do it earlier.

• 50:18Caleb Hammer?

  Here's five things in the car. $190 bed frame. $243 bed swing back bed bull 189 dollar bed. Oh, she's choosing one.

• 50:30Speaker 03

  Yeah, they're just in there.

• 50:32Caleb Hammer?

  About 1,000 hours of bed frames and they're ready to go.

• 50:34Speaker 03

  I'm not gonna get all of them.

• 50:35Caleb Hammer?

  But you are gonna spend about 250 bucks.

• 50:37Speaker 03

  Maybe.

• 50:38Caleb Hammer?

  And look, we have a max out credit card and you're.

• 50:40Speaker 04

  Her bed frame is pretty though.

• 50:42Caleb Hammer?

  Good, and it continues to be shit. It's how you pay off debt.

• 50:45Speaker 03

  And that's why I'm buying it.

• 50:46Caleb Hammer?

  And just always like jerk myself off or anything about this, but the thing is, I slept on an air mattress for like six to nine months when I moved here.

• 50:53Speaker 03

  I slept on an air mattress when I moved to my apartment too.

• 50:56Caleb Hammer?

  You're in bad debt. I got out of bad debt and I stayed out of bad debt. You're back in bad debt. You can sacrifice.

• 51:01Speaker 03

  I know.

• 51:02Caleb Hammer?

  300 pieces of heavy duty gold.

• 51:04Speaker 03

  I told you it was for a wedding, but I got paid back for all that.

• 51:07Caleb Hammer?

  10 inch baby pink candles, also for the wedding?

• 51:10Speaker 03

  Yes.

• 51:10Caleb Hammer?

  Okay.

• 51:11Speaker 03

  All of that was for a wedding.

• 51:12Caleb Hammer?

  Gold thing, okay.

• 51:15Caleb Hammer?

  Extra boost inserts.

• 51:17Speaker 04

  Trying to get taller.

• 51:18Speaker 03

  It was a strapless bra for my, the, not the wedding dress, the bridesmaid dress. I was the maid of honor.

• 51:22Caleb Hammer?

  A return for a dress. Liver treats and.

• 51:27Speaker 03

  For the dog that I now have.

• 51:28Caleb Hammer?

  Our birthday. You got it back?

• 51:31Speaker 03

  Yeah, cuz he can't take care of him.

• 51:32Speaker 04

  Cuz I have the two jobs. I've been working like sixty, seventy hours.

• 51:36Caleb Hammer?

  You got him a cake toy, mouth guard. These aren't horrible. Bride or shower stuff. They're crazy, but I'm, I am nervous of you spending two hundred and fifty bucks on.

• 51:44Speaker 03

  I'm not gonna get it.

• 51:47Caleb Hammer?

  You better not.

• 51:48Speaker 03

  I'm not. I'll sleep on my couch. I'll be fine. So no, they're not bad. And all those for the wedding, I got paid back. I just had to order them cuz I was in charge of decorating, so.

• 52:29Caleb Hammer?

  So, we know what comes in. How much did you spend last month?

• 52:33Speaker 03

  That I have no idea.

• 52:35Caleb Hammer?

  Why would you not know? Why don't you budget? What are we doing in our lives?

• 52:38Speaker 03

  It's just different.

• 52:39Caleb Hammer?

  Again, you don't care. If you cared, you'd be budgeting. So how much do you think went out? Think of all your life that happened last month. Payroll was two thousand seven hundred and forty-nine dollars. What went out?

• 52:51Speaker 03

  Probably.

• 52:52Caleb Hammer?

  And that can be included in debt.

• 52:53Speaker 03

  Probably like forty-five.

• 52:55Caleb Hammer?

  It was forty-six.

• 52:56Speaker 03

  Yeah.

• 52:57Caleb Hammer?

  Holy.

• 52:57Speaker 03

  She's double. You're okay with that? No, but I was at the time.

• 53:02Caleb Hammer?

  Doing it?

• 53:03Speaker 03

  It just happens. Like, I don't know.

• 53:05Caleb Hammer?

  No, no, it doesn't. You do it.

• 53:08Speaker 03

  I mean.

• 53:08Caleb Hammer?

  No, but you're doing the actions to do it.

• 53:10Speaker 03

  I know, but like most of that is bills. I have big bills.

• 53:13Speaker 04

  Your bills are not that high.

• 53:15Speaker 03

  They are.

• 53:15Speaker 04

  I wanna hear mine cuz I think mine is gonna sound a lot better than that.

• 53:19Speaker 03

  That was a bad month. Like, I didn't really make a lot of money. I was in the transition of a new job. Like, yeah, my income wasn't very high that month.

• 53:27Caleb Hammer?

  You spent less than you made.

• 53:29Speaker 04

  I'm him.

• 53:30Caleb Hammer?

  But last time, he was the.

• 53:32Speaker 03

  Yeah.

• 53:33Caleb Hammer?

  The financial.

• 53:34Speaker 04

  Now that I have this second job.

• 53:36Caleb Hammer?

  But now she is, and she doesn't care. She's not willing to do anything to change it. How are we gonna maintain a healthy relationship? Financially at least. On this, because now the roles are reversed.

• 53:47Speaker 04

  So before it was like all she did was kind of work, but now she's gotten these jobs and is like she's getting older. So now she she didn't really get that college.

• 53:57Speaker 03

  Yeah, like I actually go out. I have a life now, whereas before I didn't.

• 54:02Speaker 04

  So she didn't really have the college experience and I think that's what she's doing now, like going out, like partying and things like that. So she's blowing money on that where I'm.

• 54:12Caleb Hammer?

  Is that where you want to be? Because again, that would be.

• 54:14Speaker 03

  He's already been there. That's the thing. But he's already went through that.

• 54:17Speaker 04

  Yeah.

• 54:17Caleb Hammer?

  But your significant other would just be going out partying all the time.

• 54:20Speaker 04

  It's a big, like, that's something I've thought about a lot because I don't really party. Like, I don't really drink at all.

• 54:25Caleb Hammer?

  What is your party? What are you going out like every night?

• 54:27Speaker 03

  No, but like I actually go out with friends. I do things with people. Like I go out and actually I have a life versus sitting at home on the couch.

• 54:33Caleb Hammer?

  Well, when I hear partying, it sounds like we're going out like ranging to the bars.

• 54:36Speaker 04

  She went to Orlando and got blacked out drunk and lost her purse and all of her belongings in Orlando.

• 54:43Speaker 03

  I did.

• 54:44Speaker 04

  Also, should we talk about what happened at the wedding?

• 54:46Speaker 03

  No, we don't need to, but yes, I got I got drunk. I got very, very drunk.

• 54:52Caleb Hammer?

  That's pretty common.

• 54:52Speaker 03

  Yes, it was open bar.

• 54:53Caleb Hammer?

  Was there a bad thing?

• 54:55Speaker 03

  No.

• 54:55Speaker 04

  Good. No, I guess not.

• 54:58Caleb Hammer?

  What? What happened?

• 54:59Speaker 04

  I don't really know the story and it sounds like she doesn't want to talk about it.

• 55:03Speaker 03

  I got drunk.

• 55:04Speaker 04

  She gets a little like free and loose while she's drunk.

• 55:08Caleb Hammer?

  What? What happened?

• 55:10Speaker 03

  I don't want to talk about it. Like I made some bad decisions.

• 55:14Caleb Hammer?

  At the wedding?

• 55:15Speaker 03

  I mean, yeah.

• 55:16Caleb Hammer?

  Or after the wedding?

• 55:18Speaker 03

  Oh, no, no, after the wedding. After the wedding.

• 55:20Speaker 04

  Like the reception, right?

• 55:21Speaker 03

  Yeah, I got drunk.

• 55:23Speaker 04

  Partying, dancing.

• 55:24Speaker 03

  Yeah.

• 55:27Speaker 03

  I don't know what you're trying to say, but no, I don't, I don't.

• 55:29Caleb Hammer?

  You know, you're making it sound worse than it probably is.

• 55:31Speaker 04

  I'm pretty sure I heard like, I don't know, maybe hard to keep her top one.

• 55:37Caleb Hammer?

  In front of everyone?

• 55:38Speaker 03

  No.

• 55:38Speaker 04

  I think it was just like the bride's dad.

• 55:42Speaker 03

  I flashed the groom's dad. I would never do that to to him. But it was an accident and I was drunk and the bride wanted to change.

• 55:53Speaker 04

  Oh, I do.

• 55:54Caleb Hammer?

  Okay, what's going on with this? Because it's also maxed out. Not over this time like her, but it is maxed out. No purchases this time. Um.

• 56:02Speaker 04

  That's part of the pace morbi. Um, so it was like.

• 56:07Caleb Hammer?

  No.

• 56:07Speaker 03

  Mm hmm.

• 56:08Speaker 04

  So that's what I owe it.

• 56:09Caleb Hammer?

  Debt for it?

• 56:09Speaker 03

  Yeah.

• 56:10Speaker 04

  Yeah.

• 56:11Speaker 03

  It's been two years. It's been two years.

• 56:14Caleb Hammer?

  What do you, what would he think if you put this on a card that is accruing?

• 56:17Speaker 04

  Oh, man, he probably loved it.

• 56:18Caleb Hammer?

  Sixty dollars.

• 56:19Speaker 04

  Cashed in on me, but.

• 56:21Caleb Hammer?

  No, I don't, I don't know. I don't know him. I don't know him, but a lot of this, a lot of the people I've met behind the scenes in the YouTube world. Let's, I understand a screen is separating us and like there's a number next to my name, but most people actually have genuine positive intentions and you just wouldn't actually think that. I don't know if he'd want you to go into debt for this. I don't want people to go into debt. I want people to buy our educational program because I want I, because it is a business and also it's a good product and helps people, but I don't want people to go into debt for it.

• 56:48Speaker 04

  This is what I will say because I can remember now I was pretty iffy about it because it was such a big thing.

• 56:55Speaker 03

  I told him not to do it.

• 56:56Speaker 04

  Maybe, but.

• 56:57Speaker 03

  Multiple times.

• 56:58Speaker 04

  So when I did do it, so it was like three installments, basically three thousand, three thousand, three thousand. And I, so I paid off the other ones and I just have that three thousand.

• 57:07Caleb Hammer?

  You're only making the minimum payment for it, though.

• 57:09Speaker 03

  What's it at?

• 57:11Caleb Hammer?

  Uh, two thousand nine hundred sixteen dollars and four cents, minimum payment eighty six dollars.

• 57:16Speaker 04

  I will say.

• 57:16Caleb Hammer?

  It's gonna take forever to pay off.

• 57:18Speaker 04

  Um, I will say, I think like pace morbi does have good intentions, but like the sales team, I feel like they were kind of pushy. They were like, oh, we can just get a new card, like put it on there, like.

• 57:32Caleb Hammer?

  Three hundred dollars of interest accrued.

• 57:35Speaker 04

  This year. Okay, I mean, that's bad. I know. I mean, it just stays at that. Like, I know it's bad. I'm working on the other ones though.

• 57:46Speaker 03

  That's what I'm saying, like.

• 57:47Caleb Hammer?

  City Double Cash, who's this?

• 57:49Speaker 03

  Uh, me, maybe? Yeah, I think so.

• 57:52Speaker 04

  Yeah, definitely you.

• 57:53Caleb Hammer?

  Do you not know what cards you have?

• 57:54Speaker 03

  I have like three.

• 57:55Caleb Hammer?

  So you don't know?

• 57:57Speaker 03

  Yes, no, I will see. He has like nine, so I don't know if that's also his. So like, cause he has a Freedom Flex too, so like, I'm just making sure.

• 58:05Caleb Hammer?

  One thousand five hundred sixty-one dollars and twenty cents on here.

• 58:09Speaker 03

  Yeah.

• 58:10Caleb Hammer?

  Forty-one dollar minimum monthly payment, five years to pay off, only making our minimum monthly payments. So what's up with this card?

• 58:15Speaker 03

  Um.

• 58:16Caleb Hammer?

  It's three-fourths of the way max out.

• 58:18Speaker 03

  Yeah, um, one of, okay, so I have this one, then I have a Capital One. One of them I was using to pay off school, cause I.

• 58:25Caleb Hammer?

  Pay off?

• 58:26Speaker 03

  Listen, I cash flowed school, so all of my semesters, I would throw my credit card, but I would have it paid off by the next semester. No, no, listen.

• 58:32Caleb Hammer?

  That's so risky, though.

• 58:34Speaker 03

  But I didn't.

• 58:34Caleb Hammer?

  Yeah, but look where we are!

• 58:35Speaker 03

  I know, but it's just my summer semester that I never paid off.

• 58:38Caleb Hammer?

  Well, that still counts!

• 58:39Speaker 03

  I know, but see, I wasn't supposed to take that summer semester, but my financial, or not my financial, my academic advisor fucked me over, so my, some of my classes I had to retake, or like, that I retook, didn't count, and like, I had to take an extra semester of school that I didn't account for. So that went on the credit card. But everything else I paid, like, credit card was paid off before that semester even ended, like, month of. So yes, I was supposed to graduate in May.

• 59:06Caleb Hammer?

  When was this?

• 59:07Speaker 03

  This was this past summer. So this was like.

• 59:10Speaker 04

  July last year.

• 59:11Speaker 03

  Yeah, so I was supposed to graduate in May, but I had to take an extra like three courses over the summer to actually finish my degree.

• 59:17Speaker 04

  And it's still not paid off?

• 59:18Speaker 03

  No, it's not.

• 59:19Speaker 04

  She messed, when she got out of.

• 59:22Caleb Hammer?

  Are we going to Hawaii then? This is accruing interest. It's not an interest-free card. You wanted to more than actually be debt-free and live a financially healthy life.

• 59:30Speaker 03

  Yes, I did at the time.

• 59:32Caleb Hammer?

  And you still do because you haven't changed anything. Look at your spending, it was double what you make. Not his.

• 59:38Speaker 03

  I know.

• 59:38Caleb Hammer?

  Yours.

• 59:39Speaker 03

  But, yes, but, see, I cash flowed my way through college. I got it done quick. I graduated.

• 59:44Caleb Hammer?

  You, you have.

• 59:45Speaker 03

  Okay.

• 59:45Caleb Hammer?

  You have a thousand five hundred sixty-one dollars.

• 59:47Speaker 03

  That I wasn't even supposed to have to take.

• 59:48Caleb Hammer?

  That is not cash flowing. Um, good job you did the most, most of the time. Okay, the rest of the time, but you still have this regardless. And you are choosing not to pay it off because you're choosing your own pleasure and fun of life.

• 1:00:00Speaker 03

  Yeah.

• 1:00:02Speaker 03

  Yeah, basically.

• 1:00:03Speaker 04

  I think she kinda screwed herself over. She worked at a, she was serving.

• 1:00:07Speaker 03

  Yeah.

• 1:00:07Speaker 04

  She made a lot more money.

• 1:00:09Speaker 03

  I made, I made really good money serving at the Hard Rock.

• 1:00:12Speaker 04

  And then got out of it. And then that's how she was like paying that off.

• 1:00:15Speaker 03

  I got a degree. Yes, I got a degree in marketing. So I have business and marketing.

• 1:00:20Caleb Hammer?

  Okay.

• 1:00:20Speaker 03

  Graduated at 19 with my bachelor's also.

• 1:00:23Caleb Hammer?

  Yeah, so cool.

• 1:00:24Speaker 03

  Thank you. So.

• 1:00:27Caleb Hammer?

  Look where you are.

• 1:00:28Speaker 03

  Yeah.

• 1:00:28Caleb Hammer?

  Like, I celebrate people on their actual, like, where they are.

• 1:00:32Speaker 03

  I know.

• 1:00:32Caleb Hammer?

  You're [BLEEP]. Like, like, woo! I'd celebrate your graduation when it happened, but look where you are. It's like, I'm not looking back to celebrate. Okay.

• 1:00:43Speaker 03

  But.

• 1:00:43Caleb Hammer?

  I'll give you a course career certification if you want something extra. Boost your, uh, boost, boost your thing.

• 1:00:49Speaker 03

  Mm-hmm.

• 1:00:50Caleb Hammer?

  Your resume skills.

• 1:00:51Speaker 03

  Oh, wait, he said you're totaled that?

• 1:00:53Speaker 04

  Yeah, he was like, you don't have 30K.

• 1:00:55Caleb Hammer?

  Guys, I will tell you, calm down. These people, man.

• 1:00:59Speaker 03

  I didn't ask you yet.

• 1:01:00Caleb Hammer?

  I'm trying to have a quick conversation with the producer about some notes that, you know, I had here. I'm like, wait, I'm a little confused. And all of a sudden, they're just [BLEEP]. What's your debt, lady?

• 1:01:10Speaker 04

  Looking pretty high.

• 1:01:11Caleb Hammer?

  We will talk.

• 1:01:12Speaker 03

  I mean, yeah.

• 1:01:13Speaker 04

  No, this is all a surprise to me.

• 1:01:16Caleb Hammer?

  No, too. I mean, this is bad. You don't consider this [BLEEP] because it's on max. I was three fourths and it's accruing interest.

• 1:01:20Speaker 03

  Yes, I know. It's, yes, I understand that, but.

• 1:01:24Caleb Hammer?

  It's not accruing interest.

• 1:01:26Speaker 03

  It's not.

• 1:01:27Caleb Hammer?

  It's not accruing interest.

• 1:01:28Speaker 03

  Yeah.

• 1:01:28Speaker 04

  It will, it will in a few months.

• 1:01:31Speaker 03

  Yes, it will, but it hasn't been, which is why I opened that card to do my school.

• 1:01:35Caleb Hammer?

  Bank of America card.

• 1:01:36Speaker 04

  That's probably mine.

• 1:01:38Caleb Hammer?

  Okay. What's going on with this one guy?

• 1:01:40Speaker 03

  Yeah, what's going on with that one? That's your favorite card.

• 1:01:43Speaker 04

  The balance is not as low, right?

• 1:01:45Caleb Hammer?

  Lower. Interest is still accruing. You still purchased on it, though. It's at $408.29, minimum monthly payment of $35. Not bad. It is still, he's purchased it on, it's accruing. If that's what your mindset is, you're gonna be [BLEEP] forever.

• 1:01:59Speaker 04

  What did I, what did I?

• 1:02:01Caleb Hammer?

  Seriously. That's not a joke.

• 1:02:03Speaker 03

  I know.

• 1:02:04Caleb Hammer?

  That is bad.

• 1:02:05Speaker 03

  Okay. I get that, but.

• 1:02:07Speaker 04

  Didn't I pay towards this card this month?

• 1:02:09Caleb Hammer?

  Yes, but then you purchased on it, still on it's accruing interest.

• 1:02:12Speaker 04

  But.

• 1:02:13Caleb Hammer?

  Yes, you put more on it than the minimum. You brought your balance down, but you are still choosing the action. You, this is what is, buddy, you are still, still, instead of paying it off and putting it towards what could be closer to zero, you decided to put an extra $120 on it. Well, interest is accruing.

• 1:02:30Speaker 04

  I'm pretty sure I put a lot towards it.

• 1:02:32Caleb Hammer?

  You did, but you still instead of putting it closer to zero, decided to purchase on it. It is the behavior of it.

• 1:02:39Speaker 04

  I think it's mostly because I leave my wallet and I think that card is connected.

• 1:02:43Caleb Hammer?

  Take your wallet, you moron.

• 1:02:46Speaker 04

  I like.

• 1:02:46Caleb Hammer?

  Like, what the is wrong with you? You need your driver's license, you tit.

• 1:02:50Speaker 04

  Um, like if I go to work, I don't always have my wallet.

• 1:02:53Caleb Hammer?

  To work?

• 1:02:54Speaker 04

  I drive to work, but.

• 1:02:55Caleb Hammer?

  So you should probably have your driver's license, you tit.

• 1:02:57Speaker 04

  I do. I have it in the car, but like if I go.

• 1:02:59Caleb Hammer?

  What? You leave your driver's license in the car?

• 1:03:01Speaker 04

  Because I don't need my wallet for work. It's just kind of like.

• 1:03:03Caleb Hammer?

  You're so weird. Why are you leaving your driver's license in your car? Put it in your wallet. Take your wallet with you.

• 1:03:08Speaker 04

  So it's in the wallet, but then I leave the wallet in the car and then like, so if I want an energy drink before work.

• 1:03:15Speaker 03

  What you do all the time?

• 1:03:16Speaker 04

  I do like.

• 1:03:17Caleb Hammer?

  Oh, for fuck's sake, but it's in the car.

• 1:03:19Speaker 04

  It's I use Tap to Pay and I don't have my debit card.

• 1:03:21Caleb Hammer?

  Where are you getting your energy drink?

• 1:03:23Speaker 03

  Circle K?

• 1:03:24Speaker 04

  No, the, I mean, sometimes.

• 1:03:26Caleb Hammer?

  Yeah.

• 1:03:26Speaker 04

  It's probably Circle K.

• 1:03:27Caleb Hammer?

  And you can go back in and get your fucking wallet because I have Circle K, Circle K, Circle K, Circle K, four Circle K's. You could have gone back in your car. Now I also see Venet machine, Venet machine, Venet machine, Venet machine. Papa John's and Popeyes, go in the car, get your wallet, you lazy. Venet machine, Venet machine.

• 1:03:42Speaker 04

  It's because.

• 1:03:43Caleb Hammer?

  I've had late fees this year, two.

• 1:03:46Speaker 04

  Did I?

• 1:03:46Caleb Hammer?

  Two late fees this year.

• 1:03:47Speaker 04

  I.

• 1:03:48Caleb Hammer?

  Oh.

• 1:03:49Speaker 04

  You're gonna dig on me so hard.

• 1:03:50Caleb Hammer?

  Oh.

• 1:03:51Speaker 04

  I can't figure out how to put, I mean, maybe we could do this. I don't know how to set up auto pay for it.

• 1:03:54Caleb Hammer?

  I'm not gonna set up auto pay for you, you child.

• 1:03:57Speaker 04

  I feel like Bank of America is weird.

• 1:03:59Caleb Hammer?

  You.

• 1:04:00Speaker 04

  But yeah, no, that's really dumb.

• 1:04:02Caleb Hammer?

  What? Oh.

• 1:04:02Speaker 04

  What is it? Fifty dollars, eighty dollars?

• 1:04:04Caleb Hammer?

  Okay, maybe you shouldn't get back with him. He's incapable of taking care of himself. You think you can take care of him?

• 1:04:08Speaker 04

  Everything else is on auto pay.

• 1:04:09Caleb Hammer?

  You can't call the bank.

• 1:04:12Speaker 04

  I can call the bank.

• 1:04:12Caleb Hammer?

  But you haven't.

• 1:04:14Speaker 04

  Because now like I, when was the, does it say when the late fees were?

• 1:04:18Caleb Hammer?

  This year.

• 1:04:19Speaker 04

  It doesn't say like.

• 1:04:20Caleb Hammer?

  This year, so two months this year.

• 1:04:22Speaker 04

  Okay. Yeah, that's pretty terrible.

• 1:04:24Caleb Hammer?

  We're month five. There's been two that you've missed.

• 1:04:27Speaker 04

  It's probably January and February.

• 1:04:30Speaker 03

  Cause you went on vacation that week or that month also. So you did, February.

• 1:04:36Caleb Hammer?

  Oh, my gosh. Either if you actually care to get out of this, I'm so confused.

• 1:04:40Speaker 04

  I did go on vacation.

• 1:04:41Caleb Hammer?

  What? Where'd you go?

• 1:04:43Speaker 04

  I went on a cruise.

• 1:04:45Caleb Hammer?

  You know what? Actually, yeah, get back together. You guys are perfect for each other. You will pull each other down. You'll pull each other down and it'll be amazing. It'll be amazing. You guys will live in just completely forever. Yeah, you guys are perfect. Get back together. Good job. Boom, is that the end of the conversation?

• 1:04:59Speaker 03

  No.

• 1:05:00Speaker 04

  No, I don't think so.

• 1:05:01Speaker 03

  Yeah, no.

• 1:05:04Caleb Hammer?

  Hundred dollars of interest accrued this year so far. This is spending bullshit. Okay, Capital One saver card.

• 1:05:10Speaker 03

  Yeah, that one's mine.

• 1:05:12Speaker 04

  Is it? That one's probably mine.

• 1:05:13Speaker 03

  See, that's what I'm saying. I don't know.

• 1:05:15Speaker 04

  Oh, you know, we're probably swapping.

• 1:05:18Caleb Hammer?

  Basically two thousand.

• 1:05:19Speaker 04

  Okay, that's right. Mine's way higher than that.

• 1:05:24Caleb Hammer?

  No purchasing on this. Interest is accruing fifty bucks, one thousand nine hundred forty nine dollars.

• 1:05:28Speaker 03

  No purchasing? I was at.

• 1:05:30Caleb Hammer?

  I said no per-

• 1:05:31Speaker 03

  Okay, I'm just making sure.

• 1:05:32Caleb Hammer?

  Sorry.

• 1:05:33Speaker 03

  Good.

• 1:05:34Caleb Hammer?

  I just got upset that you interrupted me saying numbers. Because we're trying to put them on screen as I say them. One thousand nine hundred forty nine dollars and ninety eight cents. Is the balance. Sixty eight dollar minimum payment, thirteen years to pay off.

• 1:05:48Speaker 03

  Jeez.

• 1:05:49Caleb Hammer?

  Okay.

• 1:05:49Speaker 03

  I didn't realize that was that high.

• 1:05:56Caleb Hammer?

  What's going on with this card?

• 1:05:58Speaker 03

  I honestly don't know what's on that. I think that was just kind of like-

• 1:06:01Caleb Hammer?

  You don't know how you got here?

• 1:06:02Speaker 03

  No, I don't know what I put on that card. Yeah.

• 1:06:07Speaker 03

  Like, I generally don't know what I put on this card at all. I just kinda-

• 1:06:13Speaker 04

  She just taps, swipes.

• 1:06:15Speaker 03

  Yeah.

• 1:06:15Caleb Hammer?

  It's maxed out. It's the only reason you're not purchasing. You probably did the month previous.

• 1:06:20Speaker 03

  Hmm, I think it's been maxed out for a while.

• 1:06:23Caleb Hammer?

  Which means you continue to purchase on it the moment you can, because it wouldn't be maxed out for a long time.

• 1:06:27Speaker 03

  Yeah.

• 1:06:27Caleb Hammer?

  Because your minimum payment will bring it down slowly, but will.

• 1:06:30Speaker 03

  Hmm.

• 1:06:32Speaker 03

  Yeah, I don't know what's on that at all.

• 1:06:37Caleb Hammer?

  Two hundred dollars of interest this year so far. So the thirty percent interest rate, and it's just, it's just- Hold out your phone again.

• 1:06:45Speaker 04

  We flushed like two grand down the toilet this year on interest.

• 1:06:48Speaker 03

  Ah, yeah.

• 1:06:51Speaker 03

  I had to log in.

• 1:06:52Caleb Hammer?

  Hmm.

• 1:06:53Speaker 03

  To Capital One?

• 1:06:54Caleb Hammer?

  No, just give me your phone.

• 1:06:57Speaker 03

  Good for you. Oh, that's what you wanted.

• 1:06:59Caleb Hammer?

  Okay.

• 1:07:03Caleb Hammer?

  We have New York Times Games monthly subscription, Apple Music sideline subscription. What's that?

• 1:07:08Speaker 03

  It was for work.

• 1:07:09Caleb Hammer?

  Was? Well, you still...

• 1:07:11Speaker 03

  I mean...

• 1:07:12Caleb Hammer?

  Oh, wait, some of these are inactive.

• 1:07:13Speaker 03

  Yeah.

• 1:07:13Caleb Hammer?

  And then Photo Room AI Photo Editor.

• 1:07:18Speaker 03

  I think that one was like a free trial.

• 1:07:19Caleb Hammer?

  Pull out your phone.

• 1:07:20Speaker 03

  Okay, thank you.

• 1:07:22Speaker 04

  Oh, no. I don't know what I got on here. Is it just a subscription?

• 1:07:27Speaker 03

  Yeah.

• 1:07:30Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 1:08:01Caleb Hammer?

  You creature, you have your ring on.

• 1:08:03Speaker 03

  Thank you. Oh, I thought you were gonna talk about his brightness. Oh, my God, it's always so dark and he always has like a night shift thing.

• 1:08:09Caleb Hammer?

  Yes.

• 1:08:10Speaker 03

  I hate looking at it.

• 1:08:11Speaker 04

  I try to fall asleep at night.

• 1:08:14Caleb Hammer?

  It's not night.

• 1:08:15Speaker 03

  He never turns it off. No, it's always on. You never turn it off.

• 1:08:19Caleb Hammer?

  It's not on right now, but it is dark.

• 1:08:20Speaker 03

  I turned it off.

• 1:08:21Speaker 04

  Well, I also have a privacy screen on there.

• 1:08:23Caleb Hammer?

  You guys are real relentless. Shut the fuck up.

• 1:08:30Speaker 03

  It's on there.

• 1:08:31Speaker 04

  Hmm? It's not as bad as yours.

• 1:08:33Caleb Hammer?

  Grinder. Grinder.

• 1:08:35Speaker 03

  Oh, is that for sure? I do say that all the time. He has something like that goes off like every hour.

• 1:08:40Caleb Hammer?

  No, this is loading permanently.

• 1:08:43Speaker 03

  I wouldn't have been shocked.

• 1:08:45Speaker 04

  Yeah, I get a notification from an app. I think it's like Offer Up and it's like a money ding. And she's like, oh, Grinder went off again.

• 1:08:53Speaker 03

  Yeah, he's popular on there.

• 1:08:56Speaker 03

  Especially with his new haircut.

• 1:08:58Speaker 04

  That's crazy.

• 1:08:59Caleb Hammer?

  It is a bit 2000.

• 1:09:01Speaker 04

  You don't like the blonde?

• 1:09:03Caleb Hammer?

  Just that it's a bit 2000. Okay.

• 1:09:08Caleb Hammer?

  Alarm clock for me. That's a built in app, though.

• 1:09:12Speaker 03

  Alarm clock?

• 1:09:14Caleb Hammer?

  Lens, Apple Arcade, GoPro, Crunchyroll, Shutter, Endal.

• 1:09:21Speaker 03

  Not as bad as mine?

• 1:09:22Caleb Hammer?

  It's not that crazy.

• 1:09:22Speaker 04

  No, because.

• 1:09:23Caleb Hammer?

  Well, a lot of them are canceled.

• 1:09:25Speaker 04

  Yeah, most of them were like, I mean, I'm kind of like, I try and.

• 1:09:29Caleb Hammer?

  He has one thing in his Amazon cart, TV stand.

• 1:09:33Speaker 04

  Oh, I'm not gonna buy that.

• 1:09:35Caleb Hammer?

  Well, it's in your cart. Conveniently, both of them aren't gonna buy the things that are in their cart.

• 1:09:39Speaker 03

  It's been in there for a while.

• 1:09:40Speaker 04

  Is it like a mount?

• 1:09:41Caleb Hammer?

  He's getting work gloves. He's getting a soccer ball, dog combing shoes, pet toys, pet toys, pet toys, and a tie cable.

• 1:09:52Speaker 04

  Yeah, all dog stuff. And then I needed work gloves to protect my fingers.

• 1:09:56Speaker 03

  You're gonna have his soft hands.

• 1:09:58Speaker 04

  Yeah, my, my soft hands.

• 1:10:01Caleb 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,

• 1:10:44Caleb Hammer?

  and that number is only gonna continue to grow. I know some people think online programs are a quick fix, but that's not the case here. Course Careers takes effort and commitment, but they provide you with a streamlined, proven path. They offer up to date, self-paced courses, one-on-one or group coaching from people that work in the industry, and most importantly, they help you actually get hired. Just look at graduates like 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, about 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.

• 1:11:28Caleb 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. Okay, chase freedom.

• 1:11:51Speaker 04

  Oh, that's mine.

• 1:11:54Caleb Hammer?

  This one makes no sense, buddy. You're so close to paying it off and then you put more on it than your minimum payment. And then you allow interest to accrue. Why? It just doesn't make sense. It's you could pay this off and it could stay paid off. Why are you allowing this to be bad? I just don't understand.

• 1:12:08Speaker 04

  So I think I was like trying to get into snowballing. Um, but like on one of the other ones, like I put more on.

• 1:12:17Caleb Hammer?

  Yeah, in classic snowball fashion, you purchased on it. What the are you talking about?

• 1:12:21Speaker 04

  I don't even, what's on that? What did I purchase on there?

• 1:12:23Caleb Hammer?

  I'll tell you, but I'm asking why the fuck you're purchasing on a card that you could pay off? That is accruing interest.

• 1:12:28Speaker 04

  What did?

• 1:12:29Caleb Hammer?

  Oh my. Come on, man. It's Amazon and going and getting gas. But why put it on a card? That is accruing interest that you can just pay off.

• 1:12:39Speaker 04

  Um, probably the Amazon is just because, uh, one of the other cards is like, was the one I was putting my Amazon on. But that one's maxed out. So like I put the one purchase on there and then gas.

• 1:12:52Caleb Hammer?

  If you can't afford it, you can't afford it, buddy. And nothing on there was a necessity.

• 1:12:56Speaker 04

  The work gloves, how is that not a necessity?

• 1:12:58Caleb Hammer?

  You think that's, was that what this was?

• 1:13:00Speaker 04

  Um.

• 1:13:01Caleb Hammer?

  You don't know for a fact.

• 1:13:02Speaker 04

  The, if there's one Amazon purchase on there, it's work gloves.

• 1:13:05Caleb Hammer?

  Okay.

• 1:13:08Caleb Hammer?

  Interest is accruing, takes five months to pay off, just paying off now. Again, I always tell people on the show, just use the fucking FIS card, man. Only spend what's in your checking account. It forces you, it's like a debit card. Come on. Okay, saver card, this one's yours.

• 1:13:21Speaker 04

  Yeah.

• 1:13:26Speaker 03

  What's on there?

• 1:13:28Caleb Hammer?

  Well, purchases. A balance of, it's basically maxed out as well, $4,865.74.

• 1:13:36Speaker 04

  Don't look at me.

• 1:13:37Caleb Hammer?

  Minimum monthly payment, $166.

• 1:13:40Speaker 04

  I think this is a subscription card. Like, I don't even know what I know.

• 1:13:46Caleb Hammer?

  Why, buddy? But it's maxed out. Interest, it's basically 120 bucks a month is gone.

• 1:13:53Speaker 04

  I know.

• 1:13:53Caleb Hammer?

  Taken from you.

• 1:13:54Speaker 04

  It's so bad.

• 1:13:54Caleb Hammer?

  And you haven't made much money until recently. You're just allowing that to be pulled from your life, from your future?

• 1:14:01Speaker 04

  Yeah, like, I don't know, it's just, it was so bad. Before I got this job, like, I don't even know how I was surviving. Like, it was just all on credit cards. And I don't, like, I don't use the card now, but anything that is like a subscription, because before, like, I kind of, when one card, like, the 0% interest runs out, I would just get a new card, and that's how I'd have it. And then now I have a couple cards, and then, once my financial situation got worse, then I just kind of started maxing them out.

• 1:14:34Caleb Hammer?

  I just, you guys are made for each other. 21 years.

• 1:14:38Speaker 04

  21 years?

• 1:14:39Speaker 03

  21, damn.

• 1:14:41Speaker 04

  You should not pay that minimum monthly payment then.

• 1:14:46Caleb Hammer?

  Why do you want to get back together with her?

• 1:14:48Speaker 04

  Um, I mean, she said it before, like, there was a lot of good times, and then, like, I think we were just in a bad spot when we did break up, and...

• 1:14:59Caleb Hammer?

  We'll push this over the edge. You pulled the trigger.

• 1:15:06Speaker 04

  Like, she can agree, we were both just...

• 1:15:09Caleb Hammer?

  We'll push this over the edge. Pull the final nail.

• 1:15:13Speaker 04

  So, we started getting, oh, I know what it is. We had the dog, and I, I feel like I was taking more care of him at that point, even though he was my dog, but we got him together. Like, I paid for him financially, I was supporting him financially, but we kind of split duties. Well, he was wa, or she was watching him, and I was talking to my dad downstairs. She was watching him while she closed our bedroom door and he was out and he ended up like peeing in the house. He was still pretty young at that time and I went into the room and woke her up and like, hey, he peed in the house like on your watch. And like she had done this like a week prior and like she didn't like I was upset about that. Like she didn't want to help me clean it up. And I was just like.

• 1:15:54Caleb Hammer?

  Well, why not help him clean it up? It's an interesting final breaking point.

• 1:15:58Speaker 04

  Like that was just like a uh like it was a culmination of like, okay, all like our quality of relationship was like down at that point. And I'm like, I'm like, okay, you're not even really like helping me take care of the dog now. That was just like.

• 1:16:14Caleb Hammer?

  And I know you're a little more split, but why are you considering?

• 1:16:16Speaker 03

  Well, before we get to that point, also I was working a lot during that time. I was working sixty, seventy, eighty hours a week. And he worked from home. So it's like I come home, I want to sleep, which is what he now you probably understand that a lot more now that you actually work. A lot of hours, but it's like, I'm not trying to come home after a twelve hour day and then watch the dog or take care of the dog. Like unfortunately, no, like I'm tired. I have to be up at seven AM.

• 1:16:44Caleb Hammer?

  Yeah, but if you guys choose to have a dog, and I know you took care of it financially, if we're choosing, that's our responsibility.

• 1:16:49Speaker 03

  Yeah, and like I would help out, but it was just like. I'm tired.

• 1:16:53Caleb Hammer?

  I get it.

• 1:16:54Speaker 03

  You know, so it's like you didn't really understand that.

• 1:16:56Speaker 04

  Different. You're saying I understand it now. My job is way different. You were you you were working twelve hours, sitting at a desk, hanging out with a bunch of people like you were probably working, but you weren't working for twelve hours. When I go to work, it's ten hours of manual labor. I'm putting up twenty five thousand.

• 1:17:12Speaker 03

  At the time, you worked from home. You maybe did forty hours a week and you played video games also while you were working.

• 1:17:18Speaker 04

  No, I didn't. No, I didn't. That's it.

• 1:17:21Speaker 03

  Okay, well. So it's different. So it's like, yeah, like you should one hundred percent have more of a, you know.

• 1:17:29Speaker 04

  But I'm saying like he was in your care.

• 1:17:31Speaker 03

  Fifty fifty. Yeah, I was I was tired. Like I'm gonna take a nap. Like, I'm sorry, we were living at your dad's house. I get that for sure. But also at that point, I didn't want to be living there. I wanted to be moved out.

• 1:17:42Speaker 04

  Doesn't matter. It's still your responsibility. You're gonna take it on.

• 1:17:45Speaker 03

  Yeah, for sure. But you need to be a little more understanding. So like now he just got a new job. It's been a month and he already relinquished custody of the dog because he can't take care of it. So it's like, it took less than a month for you to realize working this much hours of a week is really hard. It is, especially for someone so, okay.

• 1:18:03Speaker 04

  Four thirty and I get home.

• 1:18:05Speaker 03

  It doesn't matter.

• 1:18:06Speaker 04

  Between three. I go, it's been two months.

• 1:18:10Speaker 03

  Before you got rid of the dog.

• 1:18:11Speaker 04

  Yeah, and then as soon as I get home, I go to work at the remote job and I work anywhere from three to five hours. So then I go to bed at eight to nine, like what, when am I gonna take care of this?

• 1:18:24Speaker 03

  And that's what I'm saying. At that time, when was I supposed to?

• 1:18:26Speaker 04

  I'm not saying you were supposed to. You weren't in soul taking care of the dog at that point.

• 1:18:30Speaker 03

  I wasn't.

• 1:18:31Speaker 04

  Like you were interested in him for like fifteen minutes and he peed.

• 1:18:34Speaker 03

  Okay.

• 1:18:35Caleb Hammer?

  Why are you considering?

• 1:18:37Speaker 03

  Me? I, I don't know. Like, again, I've, I've said it.

• 1:18:43Speaker 03

  No, I've said it before. Like, things used to be good. Like, things were good. And I feel like I've definitely am getting in a better spot in my life and it's just like.

• 1:18:51Caleb Hammer?

  What? Are you? You said it's only gone worse and I kinda have the proof of that.

• 1:18:57Speaker 03

  Okay.

• 1:18:57Caleb Hammer?

  So where's your better?

• 1:18:59Speaker 03

  It's getting better.

• 1:18:59Caleb Hammer?

  Your better is you slept around for a little bit, so now you know what it's like outside of him, but.

• 1:19:04Speaker 03

  That's crazy.

• 1:19:05Caleb Hammer?

  Okay, well, I mean, that is what happened.

• 1:19:07Speaker 03

  I didn't sleep around.

• 1:19:08Caleb Hammer?

  Okay, you dated someone else? Okay, yeah, yeah, yeah, yeah.

• 1:19:12Caleb Hammer?

  You saw what it was like on the other side. Now you wanna go back?

• 1:19:14Speaker 03

  Well, not just because, oh, it's not green on the other side, because there, yeah, there was definitely a lot of good parts on the other side, for sure. But I realized, it's not crazy. It was. Like, I, I had a great time with said guy, but I wasn't in love with him. I broke up with him. I was like, no, I don't really see a future with you. And it was just that. Versus, I did see a future with him when we were together for the longest time. So, yeah, I would like to have that for sure, but I don't wanna move backwards, unfortunately.

• 1:19:45Speaker 04

  Her actually having that conversation with him is I feel like a big step forward because she has a problem with having difficult conversations.

• 1:19:53Caleb Hammer?

  Why is it a step backwards, though? I understand it's it's someone you've been with, but why is that a step backwards? That doesn't mean you guys aren't able to move forward together. I'm so confused.

• 1:20:02Speaker 03

  Is I don't want it to be a step backwards. Like, I don't want to get

• 1:20:05Caleb Hammer?

  How would it be?

• 1:20:06Speaker 03

  Because, okay.

• 1:20:08Speaker 04

  Going into the same relationship.

• 1:20:10Caleb Hammer?

  You're worse.

• 1:20:10Speaker 03

  No, getting no, getting into the same relationship as it like I like to be taken out.

• 1:20:14Caleb Hammer?

  So what if it's better?

• 1:20:15Speaker 03

  But it it wasn't beforehand. That's what I'm saying.

• 1:20:18Caleb Hammer?

  I'm saying, what if it's better this time? He's not sitting on his ass this time.

• 1:20:21Speaker 03

  But I don't know that.

• 1:20:22Caleb Hammer?

  He has changed at least in terms of the

• 1:20:24Speaker 03

  But no, now he's working for me. Now he doesn't have time for me, but versus when he did have time for me, he still didn't spend it with me. That's the difference. So it's like, I don't know that it's gonna be better. Because now he definitely has less time.

• 1:20:36Speaker 04

  She is like kind of true, but my job, when that was my only job, I worked it. That was solely it.

• 1:20:41Speaker 03

  And then he played video games. He sat on the couch. He didn't want to go out. We didn't want to do things. And unfortunately, I need more. And other people would give it to me, but

• 1:20:50Speaker 04

  What she won't say about that job is the freedom that I had with it. She did like that because she had freedom with her restaurant job. So she's gonna want, she wants the one where, oh, we take like two trips a year. Like, she wants to do stuff like that. But obviously, it doesn't look like either one of us should be taking a trip for a long time.

• 1:21:07Speaker 03

  That is true, but still, like, you see what I'm saying?

• 1:21:10Speaker 04

  She wants an exciting relationship, which it was in the beginning. Like, we did go do a lot of things.

• 1:21:15Speaker 03

  Exactly. And then it got to the point where I felt irrelevant.

• 1:21:19Speaker 03

  So, yes, when he did break up with me, it was easy to leave.

• 1:21:21Caleb Hammer?

  How much did you speak up for that? How much did you advocate for?

• 1:21:24Speaker 04

  No, she only she only said anything when I started a hard conversation. Like, she would never initiate any conversation that was hard. And that was a big problem I had. And that's why I felt really weird. Like, when we did break up, literally, like, it was crickets. Like, I didn't get anything out of her. I like, I didn't get like an okay or like a, like, not even her opinion on whether or not we should. Like, no, like, pushback at all.

• 1:21:48Speaker 03

  Yes, because we had the basically the same conversation a couple of months beforehand. And it was literally like me begging to stay.

• 1:21:55Speaker 04

  It wasn't her. No, it was not you begging.

• 1:21:58Speaker 03

  I was packing up.

• 1:21:58Caleb Hammer?

  Holy guys are turning.

• 1:21:59Speaker 03

  Like, no, and that's the thing. So it's like, no, I'm not saying it's gonna be a step backwards, but it could be.

• 1:22:07Caleb Hammer?

  The purchasing you did on your basically max out saver card dude. Amazon, Apple, Amazon, vending machine, vending machine, Spotify, Apple bill, Apple bill. But that's like double click, Apple chat or Apple pay. So probably just some more bullshit monsters, whatever you're doing. Energy drinks, dumb 30% interest. I don't understand the point, man. What's the point? Why are you doing this? The interest accrued this year so far, nearly 600 bucks.

• 1:22:35Speaker 03

  Damn.

• 1:22:37Caleb Hammer?

  Okay. Amazon Chase, Chase, Amazon, who? Oh, that's mine. Okay.

• 1:22:46Caleb Hammer?

  So this minimum monthly payment being made less than the. No, here it is. Okay. Minimum monthly payment. Five, uh, $57.75. Balance is $393.80.

• 1:23:03Caleb Hammer?

  Okay. Interest is accruing.

• 1:23:09Caleb Hammer?

  Interest is accruing across the board. Just again, it's another card that you could probably just wipe off, but.

• 1:23:14Speaker 04

  Yeah, I'm working on it.

• 1:23:16Caleb Hammer?

  Prime Visa. Oh, I think that's just a continuation.

• 1:23:23Caleb Hammer?

  Who's the Hyundai Sonata?

• 1:23:24Speaker 03

  It's mine.

• 1:23:25Caleb Hammer?

  2023?

• 1:23:26Speaker 03

  Yes.

• 1:23:26Caleb Hammer?

  Uh, almost 8%?

• 1:23:28Speaker 03

  Yes.

• 1:23:29Caleb Hammer?

  Okay. It's a huge balance.

• 1:23:31Speaker 03

  Yes. It's less than it was.

• 1:23:34Caleb Hammer?

  Uh, it should be as long as you're making your payment. $16,191.17. Minimum monthly payment.

• 1:23:43Speaker 03

  360?

• 1:23:45Caleb Hammer?

  356.

• 1:23:48Caleb Hammer?

  356.34. Okay. What is this car worth?

• 1:23:54Speaker 03

  Um, I think it's worth, last time I looked, I wanna say it's worth 23,000.

• 1:24:03Speaker 03

  Around there.

• 1:24:04Speaker 04

  Are we looking up the, what it's worth?

• 1:24:06Speaker 03

  What do you think?

• 1:24:07Speaker 04

  Well, probably.

• 1:24:08Caleb Hammer?

  Oh, we're getting about twenty.

• 1:24:10Speaker 03

  Twenty?

• 1:24:10Caleb Hammer?

  But even still, that is an equity position in the car. That's not horrible.

• 1:24:13Speaker 03

  Mm-hmm.

• 1:24:14Speaker 04

  She did put a good amount down.

• 1:24:15Speaker 03

  I did.

• 1:24:16Caleb Hammer?

  Yeah. And I'd probably sell it, get a ten thousand dollar car, use the five thousand dollars in equity you're gonna probably get, put it towards it, and then only five thousand dollar loan. Yeah, she's not willing to change. She doesn't care, just like I said before.

• 1:24:28Speaker 03

  Not changing with the car.

• 1:24:29Caleb Hammer?

  Of course not. Why? A piece of metal. Who gives a

• 1:24:33Speaker 03

  Because I like it.

• 1:24:34Caleb Hammer?

  I don't give a, I want you to get out of the

• 1:24:36Speaker 04

  She stores it.

• 1:24:37Caleb Hammer?

  It doesn't matter. Like, she's the person I would kick off. She's the person I would kick off. She doesn't care. She doesn't care. She's not willing to sacrifice. She's not willing to compromise. You're twenty-one. You'll have so many more opportunities for nicer cars. Who gives a make a temporary sacrifice, get out of debt, get a fully funded emergency fund, and stop fucking around! Dude, it doesn't matter. It's a car. Who gives a

• 1:25:02Caleb Hammer?

  Who cares?

• 1:25:03Speaker 03

  Yeah.

• 1:25:03Caleb Hammer?

  Who cares with the person? It doesn't matter!

• 1:25:07Speaker 04

  Um, yeah, I will say, like, she did, um, buy this car. Her car before that was a pretty piece of

• 1:25:15Caleb Hammer?

  Not saying get a piece of

• 1:25:16Speaker 03

  I know.

• 1:25:17Speaker 04

  So, and like

• 1:25:18Speaker 03

  I wasn't going to.

• 1:25:19Speaker 04

  And, so like

• 1:25:20Caleb Hammer?

  What is this?

• 1:25:21Speaker 04

  Her relationship is strained with her parents.

• 1:25:24Caleb Hammer?

  All y'all's relationships are strange.

• 1:25:26Speaker 03

  I don't know what that is.

• 1:25:26Speaker 04

  Um, that's my car note.

• 1:25:28Caleb Hammer?

  Okay, what's your car?

• 1:25:29Speaker 04

  Um, uh, twenty twelve F-150.

• 1:25:33Caleb Hammer?

  Great.

• 1:25:36Caleb Hammer?

  So you can haul your groceries and throw it.

• 1:25:38Speaker 04

  Well, I got it for a reason.

• 1:25:42Speaker 04

  Um, when I moved out to, uh, Colorado to be a snowboard instructor, I had a different car. That was actually a piece of and on the way to Colorado, driving to Colorado.

• 1:25:53Caleb Hammer?

  Justify, justify, justify, justify.

• 1:25:56Speaker 04

  On the way to Colorado, we weren't driving

• 1:25:58Speaker 03

  Yeah.

• 1:25:59Speaker 04

  The tire.

• 1:26:00Caleb Hammer?

  Well, guess what? You've had this for a while. It's used, and yet you're still underwater, like, four thousand bucks.

• 1:26:05Speaker 04

  Yeah.

• 1:26:05Speaker 03

  And then how do you, how do you get the car?

• 1:26:08Caleb Hammer?

  Huh?

• 1:26:09Speaker 03

  How'd you get the car? You got bailed out? Again, my mommy?

• 1:26:12Speaker 04

  So when I moved out to Colorado, I didn't have any money. My mom lent me.

• 1:26:15Caleb Hammer?

  Is it jealousy or concern?

• 1:26:17Speaker 03

  No, it's just because he does it. It's, it's definitely concern. It's definitely concern.

• 1:26:22Speaker 04

  I don't know. Hey, uh, my mom, she lent me thirty five hundred dollars to put down on it.

• 1:26:26Caleb Hammer?

  Listen, you're never gonna learn your lesson, though, if you always have something to fall back on.

• 1:26:29Speaker 04

  I know. That's why I don't like. That's why I'm like, I'm working on moving out now and.

• 1:26:34Caleb Hammer?

  You're living with mommy?

• 1:26:35Speaker 04

  No, I live with my dad.

• 1:26:37Caleb Hammer?

  Well.

• 1:26:38Speaker 03

  Same thing.

• 1:26:39Caleb Hammer?

  Same.

• 1:26:39Speaker 04

  Yeah, I know. But I have.

• 1:26:41Caleb Hammer?

  And you?

• 1:26:42Speaker 03

  I live by myself.

• 1:26:44Caleb Hammer?

  Okay. Do you look down on him for this?

• 1:26:47Speaker 03

  No, but it was, yeah, I do. I do. Yes.

• 1:26:50Speaker 04

  But like, she can't say that. I've lived away, like, I lived on my own in Colorado. Like, I pay my bills.

• 1:26:56Speaker 03

  Yes.

• 1:26:57Speaker 04

  We lived together in Jacksonville.

• 1:26:59Speaker 03

  Yes.

• 1:27:00Speaker 04

  Like, I have lived away from home. And yeah, I have gotten parental financial support, but, uh, I mean, if they're willing to offer it, but I have, I feel like it has held me back, but.

• 1:27:13Speaker 03

  But it's just, when we were together, we both lived there with his dad, and it was only supposed to be temporary, and it wasn't, and that was.

• 1:27:20Speaker 04

  It was like six months.

• 1:27:21Speaker 03

  Was what it was supposed to be.

• 1:27:22Speaker 04

  Well, when we broke up, it was six months.

• 1:27:24Speaker 03

  No, we lived with your dad for a year and a half.

• 1:27:27Speaker 04

  No, we moved there.

• 1:27:28Speaker 03

  It was supposed to be six months, and then you decided you wanted to go to Colorado, so I stayed there for another six months, and then you moved back, and it was another six months. It was a year and a half. And it wasn't supposed to be like that.

• 1:27:40Speaker 04

  Well, I mean.

• 1:27:41Caleb Hammer?

  You owe basically twelve thousand dollars. It's eleven thousand, eight hundred and eighty-eight dollars and forty-seven cents, three hundred and fifty-seven dollar minimum payment. What's the interest rate?

• 1:27:50Speaker 04

  Uh, tie. Uh, thirteen, maybe? Twelve?

• 1:27:55Caleb Hammer?

  What a fucking high gas.

• 1:27:58Speaker 03

  Can you die?

• 1:27:59Speaker 00

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• 1:28:28Speaker 03

  Me for my car when you did the same exact thing.

• 1:28:31Speaker 04

  Well, I got it because I had to drive forty minutes through like the Colorado mountains to get to work.

• 1:28:37Caleb Hammer?

  So the only cars that people have there are trucks?

• 1:28:40Speaker 04

  Um, four wheel drive cars.

• 1:28:41Speaker 03

  The guy he moved there with had a Volkswagen Jetta and he did fine.

• 1:28:45Speaker 04

  There was also day, you know, I drove every day to work, right?

• 1:28:49Speaker 03

  No, I didn't.

• 1:28:50Speaker 04

  He drove like, he drove the occasional off day. Like if we had an off day and he wanted to go snowboard, then he drove. Like if, if there was like any real snow, he couldn't go.

• 1:29:00Caleb Hammer?

  Oh, is that all the debt? I think that's all the debt. Where's the Bank of America checking account? Where's the Bank of America checking account with eight hundred twenty-five?

• 1:29:09Speaker 03

  That's me.

• 1:29:10Caleb Hammer?

  Yeah. Went down from a thousand three hundred twenty-two.

• 1:29:14Speaker 04

  God, I think I paid stuff off.

• 1:29:16Caleb Hammer?

  Nope.

• 1:29:19Caleb Hammer?

  Uh, you just spent on the credit cards to make up whatever amount you put towards it. So it doesn't even matter. You're getting energy drinks, McDonald's, Amazon. Uh, employee's lounge thing. Uh, energy drink, energy drink, energy drink, energy drink, energy drink, energy drink, energy drink, energy drink, energy drink, energy drink, energy drink, energy drink, energy, energy, energy, energy, energy.

• 1:29:44Caleb Hammer?

  Sally Beauty?

• 1:29:46Speaker 04

  Um.

• 1:29:47Caleb Hammer?

  For who?

• 1:29:48Speaker 04

  Wait, what?

• 1:29:48Caleb Hammer?

  Sally Beauty?

• 1:29:49Speaker 04

  Oh, that's for my hair. It's, I dyed it blonde.

• 1:29:56Caleb Hammer?

  Energy drink, energy drink, McDonald's, energy drink, energy drink.

• 1:30:00Speaker 03

  Probably more in there. Keep going.

• 1:30:01Caleb Hammer?

  Energy, energy, energy, energy, energy, energy, energy, energy, energy, energy, AMC, energy, energy, energy, energy. What the is wrong with you? Buy a bulk, you dumb tit. You're stopping a Spanish money like four bucks median each time.

• 1:30:19Speaker 03

  Yeah.

• 1:30:20Speaker 04

  I need the energy drinks to go to work and it's hard to.

• 1:30:23Caleb Hammer?

  Then buy a bulk, you fuck.

• 1:30:25Speaker 04

  But then you would cloud, you would be like, oh, are we buying energy drinks on Amazon?

• 1:30:29Caleb Hammer?

  Uh, yes, I would because you should brew coffee. It's honestly cheaper, but even still it would be better objectively.

• 1:30:35Speaker 04

  I mean.

• 1:30:36Caleb Hammer?

  Financially.

• 1:30:37Speaker 04

  I, sometimes I try and drink the coffee at work because it's free, but it's so bad.

• 1:30:42Caleb Hammer?

  Brew coffee. You can make good coffee and it's affordable.

• 1:30:45Speaker 04

  I, I don't know how to do that. Like I.

• 1:30:48Caleb Hammer?

  It is literally the easiest thing.

• 1:30:50Speaker 04

  Also, I don't really like, uh, you know.

• 1:30:52Speaker 03

  There's like two coffee makers at your house.

• 1:30:54Speaker 04

  Yeah, well.

• 1:30:55Speaker 03

  And one's a Keurig and one's an espresso.

• 1:30:56Caleb Hammer?

  Ask daddy, he will help you, little boy.

• 1:30:59Speaker 04

  There's actually one, because they're all broken.

• 1:31:01Speaker 03

  Oh, is it the Keurig I got him?

• 1:31:03Caleb Hammer?

  Oh, no, only one.

• 1:31:03Speaker 04

  No, that one broke too.

• 1:31:04Caleb Hammer?

  Sounds like it works.

• 1:31:06Speaker 04

  I just don't like coffee as much. I really like the white monster.

• 1:31:09Caleb Hammer?

  You zelled money out and you Venmo'd money out. Your checking account, three hundred fifty eight, started at a thousand one hundred forty nine. Nothing to show for it, the Maxxar credit card, zelling money out, noodles, Uber, going in, getting some bull steak and shake, marketplace steak and shake, Venmoing out money, bubble down one. How many dates do you think are in here?

• 1:31:36Speaker 03

  Probably not on my card.

• 1:31:38Speaker 04

  Oh, that's a shot at me, because she was the man in the relationship. I couldn't pay for him, I guess.

• 1:31:45Speaker 04

  Whatever.

• 1:31:47Speaker 03

  Uh, yes.

• 1:31:49Caleb Hammer?

  Bull getting waxed before flying here with you.

• 1:31:53Speaker 03

  No.

• 1:31:56Caleb Hammer?

  Getting waxed again.

• 1:31:57Speaker 03

  Mm-hmm.

• 1:31:57Caleb Hammer?

  Or a tip wax. Wax tip. Uber Eats, Amazon Marketplace, Amazon Marketplace, Amazon Marketplace, going in, getting some bull zelling out money, cash tapping out money, TJ Maxx, Chuck E. Cheese, all right, predator. Cash tapping out money.

• 1:32:14Speaker 04

  Chuck E. Cheese.

• 1:32:15Speaker 03

  It was, it was with, um, I can't say names, but yes.

• 1:32:19Caleb Hammer?

  I'd hope so, though.

• 1:32:21Speaker 03

  No, it was just funny.

• 1:32:21Caleb Hammer?

  Fresh Kitchen, Venmoing out money, zelling out money, and bull.

• 1:32:29Caleb Hammer?

  This is stupid, it's so pointless. Savings eight hundred sixty-two dollars. Not a retirement for either of you.

• 1:32:36Speaker 04

  Um, I do have a 401K, but it's honestly not worth talking about.

• 1:32:39Caleb Hammer?

  How much for each? Ish.

• 1:32:41Speaker 04

  Probably like three grand, maybe.

• 1:32:43Speaker 03

  Mine was good, but when I moved to my new job, they didn't offer 401K, so I did pull some of it out. Yeah.

• 1:32:51Speaker 04

  Wow.

• 1:32:51Caleb Hammer?

  But that doesn't make sense.

• 1:32:52Speaker 03

  It was, I know.

• 1:32:53Caleb Hammer?

  No, no, what's the logic? Because they didn't. You pulled out the

• 1:32:55Speaker 03

  Well, it's to roll it over.

• 1:32:57Caleb Hammer?

  Oh, you rolled over.

• 1:32:57Speaker 03

  I

• 1:32:58Caleb Hammer?

  To an IRA?

• 1:32:59Speaker 03

  I, some of it and some of it I pulled out.

• 1:33:01Caleb Hammer?

  How much did you pull out? How much did you pull out?

• 1:33:03Speaker 03

  I pulled out four thousand.

• 1:33:04Caleb Hammer?

  Why?

• 1:33:06Speaker 03

  Because, like, I don't know.

• 1:33:08Caleb Hammer?

  Because I don't know?

• 1:33:09Speaker 03

  Because I just pulled it out.

• 1:33:10Caleb Hammer?

  Oh, for f*** sake, that's so moronic.

• 1:33:12Speaker 03

  I know it is. I know it is.

• 1:33:14Caleb Hammer?

  How much is left?

• 1:33:15Speaker 03

  Two thousand.

• 1:33:16Caleb Hammer?

  Oh!

• 1:33:18Speaker 03

  So it's at six.

• 1:33:19Caleb Hammer?

  So, you want, this is what you want?

• 1:33:21Speaker 04

  Wait.

• 1:33:21Caleb Hammer?

  Buddy, you need to get on the apps.

• 1:33:24Speaker 04

  I don't like the app.

• 1:33:25Caleb Hammer?

  No one does, but you need to move on.

• 1:33:29Speaker 04

  They're terrible. They're so bad.

• 1:33:30Caleb Hammer?

  They are, but you need to move on.

• 1:33:32Speaker 03

  Well, I had more in my 401K than you did, but yes, I pulled it out.

• 1:33:34Caleb Hammer?

  You did. Doesn't matter. Ken, I don't give a f*** about that then.

• 1:33:38Speaker 03

  Well, no, how much do you have in yours?

• 1:33:38Speaker 04

  Mine's like three K.

• 1:33:40Speaker 03

  Okay.

• 1:33:40Caleb Hammer?

  I don't give a f*** about the past. It doesn't matter.

• 1:33:42Speaker 03

  No, I know, but like, don't say that to me.

• 1:33:43Caleb Hammer?

  Good or bad, I'm only judging on now.

• 1:33:45Speaker 03

  Yes, I know.

• 1:33:45Caleb Hammer?

  This is the f***ing internet.

• 1:33:46Speaker 03

  Mm-hmm.

• 1:33:47Caleb Hammer?

  Well, it kind of is.

• 1:33:48Speaker 03

  But I have a 401K now, my new job, and I'm contributing to it. So we're building it back up.

• 1:33:54Speaker 04

  Mine should be more, but I

• 1:33:56Caleb Hammer?

  How do I make a budget here, guys? You're two independent people. I've never had this before. What, what, what am I supposed to do here? What am I supposed to do here?

• 1:34:04Speaker 03

  Separate ones?

• 1:34:05Caleb Hammer?

  Oh, f***.

• 1:34:07Speaker 03

  That would make the most sense.

• 1:34:10Speaker 04

  Alright, well, let's start with the one who's f***ed.

• 1:34:13Speaker 03

  Which is who?

• 1:34:14Caleb Hammer?

  You. What's your income now?

• 1:34:16Speaker 03

  Um.

• 1:34:17Caleb Hammer?

  It was like, it's four thousand two hundred now, right? Okay. What's your rent?

• 1:34:22Speaker 03

  Twenty-one hundred.

• 1:34:27Speaker 03

  Yeah.

• 1:34:27Speaker 04

  Why?

• 1:34:29Speaker 03

  So, um, obviously, I broke up, I moved out, and I signed the apartment I liked the most that I wanted to get, and I definitely shouldn't have done it, but I really like where I live. But yes, it's expensive.

• 1:34:42Speaker 04

  I told her not to do it. I said it was so dumb, but she was gonna be paying like two grand

• 1:34:47Speaker 03

  Anyways.

• 1:34:48Speaker 04

  For a house that we got, cuz I was broke.

• 1:34:52Speaker 03

  Yeah, so I was like, if I was gonna spend it on him, why can't I just spend it on myself? So it was very spiteful, so I did it.

• 1:34:58Speaker 04

  She's got a lot of spite over there.

• 1:35:00Speaker 03

  I do. I am very, I'm a very spiteful person.

• 1:35:03Caleb Hammer?

  Minimum monthly debt payments are seven hundred and ten dollars and thirty-four Or cents, utilities, including internet, how much?

• 1:35:11Speaker 03

  Um, internet's in the rent and I believe water's in the rent, but my electric bill's about seventy.

• 1:35:16Caleb Hammer?

  It's not horrible. Gas, room, room, drive, drive.

• 1:35:18Speaker 03

  Right now, one fifty, it will change in the next two weeks.

• 1:35:22Caleb Hammer?

  Two? What's budget for that?

• 1:35:24Speaker 03

  I wanna say, let's say a hundred, just to be safe.

• 1:35:26Caleb Hammer?

  Car insurance?

• 1:35:27Speaker 03

  Car insurance is two thirty a month.

• 1:35:31Caleb Hammer?

  Phone bill?

• 1:35:33Speaker 03

  That one, that one's a little rough.

• 1:35:35Caleb Hammer?

  What?

• 1:35:35Speaker 03

  It's like one seventy-five.

• 1:35:38Caleb Hammer?

  TP phone, hundred dollars, makeup, tampons, whatever the you need, food, three hundred dollars, use the cookbook, cook for each other if you get back together, I don't give a Medical healthcare, anything that needs to go on a monthly basis?

• 1:35:49Speaker 03

  It'll come out of my pay in like thirty days when I, when my days is up.

• 1:35:54Caleb Hammer?

  Pet insurance for the dog?

• 1:35:55Speaker 03

  Um, I also get it through work, so it'll.

• 1:35:57Caleb Hammer?

  Pet food?

• 1:35:59Speaker 03

  Hundred a month.

• 1:36:01Caleb Hammer?

  Gym?

• 1:36:02Speaker 03

  Twenty-six a month.

• 1:36:04Caleb Hammer?

  Anything else?

• 1:36:08Speaker 03

  Oh, shoot, I don't know.

• 1:36:11Caleb Hammer?

  No subscriptions?

• 1:36:13Speaker 03

  I would say.

• 1:36:17Speaker 03

  I think I honestly like essentials, needs, that's probably it. Yeah.

• 1:36:23Caleb Hammer?

  You need tooth, uh, fuck, no, you need three thousand nine hundred, ten dollars and thirty-four cents, lucky with that.

• 1:36:29Speaker 03

  My rent will be going down shortly, cause my lease is almost up.

• 1:36:32Caleb Hammer?

  When does it end?

• 1:36:33Speaker 03

  Um, it ends August sixteenth. And I already have a place.

• 1:36:37Caleb Hammer?

  How much is it gonna be?

• 1:36:38Speaker 03

  It'll be a thousand.

• 1:36:40Caleb Hammer?

  Good.

• 1:36:40Speaker 03

  Flat.

• 1:36:41Caleb Hammer?

  That's good.

• 1:36:41Speaker 03

  I know.

• 1:36:42Caleb Hammer?

  So at that point, we'll budget for there, that's gonna be a thousand three hundred eighty-nine dollars and sixty-six cents left. Once you move.

• 1:36:49Speaker 03

  Once I move, yes.

• 1:36:51Caleb Hammer?

  You're gonna trade, get your car, your car, you're gonna owe five thousand dollars for your new car, cause that's what you're gonna do, cause you're not gonna bullshit. Cause you're not a child. Don't be dumb, one thousand.

• 1:37:06Caleb Hammer?

  Now, that Freedom Flex is crazy though.

• 1:37:07Speaker 03

  Yeah.

• 1:37:09Caleb Hammer?

  Your total debt is fi- fifteen thousand eight hundred eighty-eight dollars and seventy-eight cents. I think, unless I'm missing something, am I missing something?

• 1:37:17Speaker 03

  That should be everything, I don't, I don't think I owe anybody any money.

• 1:37:24Caleb Hammer?

  No, I have.

• 1:37:27Speaker 04

  That's if you sold the car?

• 1:37:28Caleb Hammer?

  That's if you sell the car.

• 1:37:29Speaker 03

  Yeah.

• 1:37:29Caleb Hammer?

  Yeah, good. One, three.

• 1:37:31Speaker 03

  If I don't, it's what, math wise?

• 1:37:34Caleb Hammer?

  Yeah, under a year, you're debt free.

• 1:37:36Speaker 03

  Mm-hmm.

• 1:37:37Caleb Hammer?

  That's what you're gonna do, except you're only getting worse, so that's what you have to do. You're only getting worse, stop! That's what you have to do to get out of debt.

• 1:37:43Speaker 03

  Well, I didn't refinance my lease, so that shows.

• 1:37:46Caleb Hammer?

  Yeah, but you're only getting worse in your behavior. You're giving up, you're changing apartments. It's a very minimal thing.

• 1:37:52Speaker 03

  That's a big thing when it comes to income.

• 1:37:53Caleb Hammer?

  Yes, but it's not behavior! You're just gonna spend the extra money you have.

• 1:37:57Speaker 04

  She's actually getting a nicer apartment, it's just she's getting...

• 1:38:00Caleb Hammer?

  Four thousand dollars is your income, what's... you don't have rent, do you pay anything to the dad? Five hundred, is that for utilities, everything too?

• 1:38:06Speaker 04

  Yeah.

• 1:38:06Caleb Hammer?

  Cool, let me get your debt payments. Your minimum monthly debt payment's almost identical, like, we really are for each other. Seven hundred and forty-two dollars and forty-one cents.

• 1:38:14Speaker 03

  Oh, he's just hired.

• 1:38:15Caleb Hammer?

  Okay, gas, room, room, drive, drive.

• 1:38:17Speaker 04

  Um, what did I say? Let's just say a hundred a month. I's... my brother gives me money. Um, one thirty.

• 1:38:27Caleb Hammer?

  Phone bill?

• 1:38:29Speaker 04

  I don't have one.

• 1:38:30Speaker 03

  Mom pays it?

• 1:38:31Speaker 04

  Okay.

• 1:38:32Caleb Hammer?

  How does the grocery situation work at home?

• 1:38:34Speaker 04

  Um, like, since I work so much, I don't buy that many groceries, but I do buy my own food.

• 1:38:40Caleb Hammer?

  Well, you could be meal prepping, then three hundred dollars TP fund, just as with her a hundred dollars. Medical, healthcare, anything that needs to go out, copays, what not? Jim?

• 1:38:48Speaker 04

  Um, twenty-six a month.

• 1:38:50Caleb Hammer?

  Okay. Anything else that needs to be in your budget that I have not put in there?

• 1:38:54Speaker 04

  Um, no, I think that's it.

• 1:38:57Caleb Hammer?

  Yours is a lot easier, but also more debt. So, four thousand dollars is what comes in. Got a minus, what's it required to live? One thousand eight hundred ninety-eight dollars and forty-one cents. You have an extra two thousand one hundred one dollar and fifty-nine cents left over.

• 1:39:12Speaker 03

  That's crazy.

• 1:39:14Caleb Hammer?

  Yeah. You have twenty-nine thousand six hundred twenty-seven dollars and two cents of debt.

• 1:39:20Speaker 03

  Well.

• 1:39:22Caleb Hammer?

  And then for you, it takes just over a year to pay off. And you guys can get together and all up over again. Plus, I don't know. I don't know, guys. I, we're gonna get into more drama that I wanted. I know this is a lot of drama, but I kept trying to bring it to finances. So there's more drama we're gonna do in the post show. So stick around, then I'll give my final verdict of whether or not they should get back together. So make sure you subscribe to that. The Hammer Elite Membership is the best YouTube membership on the history of the platform. They have told us that themselves, the platform. So check it out, really helps support the channel, a lot of extra content, thousands of hours. Hammer Financial Scores, go you, spending in a budget. You didn't overspend, you were about half, but you still spent a lot of money that should have gone towards that. I'll give you a four out of 10. Debt, it's pretty bad, it's not horrendous, it's not the worst thing in the world, two out of 10, though.

• 1:40:07Caleb Hammer?

  Emergency fund, no savings, as far as I saw, zero out of 10. Retirement, definitely behind for your age, for sure, about a two out of 10 with that. Real estate, zero out of 10. Your Hammer Financial Score.

• 1:40:21Speaker 03

  Not terrible.

• 1:40:22Caleb Hammer?

  Is rounded up to a two out of 10, and you?

• 1:40:26Speaker 03

  Yeah.

• 1:40:27Caleb Hammer?

  Well, you have some kind of stripper name that we gave you, what is it?

• 1:40:29Speaker 03

  Violet, yeah, I know. Wasn't a big fan, but.

• 1:40:34Caleb Hammer?

  Better than Destiny.

• 1:40:36Speaker 03

  That's crazy, we, oh, just kidding.

• 1:40:39Caleb Hammer?

  What?

• 1:40:39Speaker 03

  We know someone, no, and her name's not, no, nevermind, just kidding.

• 1:40:42Caleb Hammer?

  Actually, there's a streamer named Destiny, but I don't think stripper with that.

• 1:40:45Speaker 03

  Yeah.

• 1:40:47Speaker 04

  No Destiny.

• 1:40:48Caleb Hammer?

  So you're spending a budget over spends, zero out of 10, debt. It's not that bad, but you are over max on the cards, I can't give you any higher than one out of 10. Emergency fund, you had a little bit in savings, one out of 10. Retirement, pulled out, but for your age being younger, you're all equal at two out of 10, real estate zero out of 10. What?

• 1:41:05Speaker 03

  I was gonna say, you still have some in there.

• 1:41:06Caleb Hammer?

  The amp up there, and you still pulled out, it's dumb.

• 1:41:09Speaker 03

  I know.

• 1:41:10Caleb Hammer?

  Hammer Financial Score rounded up to a one out of 10, so you win by a little bit. Guys, join us for the post show, it's gonna get juicy, gonna pull off some extra drama that we didn't talk about. Demonetization reasons and just hawking, trying to stick to the finances. So make sure you subscribe, and if you don't want to be like them, download the budgeting app, sign up for the annual version, and I'll send you the notebook and cookbook signed by me directly through to our staff, see in the post show. Let me ask you this, did you just not sleep with one person since?

• 1:41:33Speaker 04

  Well, this is all gonna go out, right?

• 1:41:35Caleb Hammer?

  It's behind a paywall, the audience will not know, say the name.

• 1:41:39Caleb Hammer?

  What's your verdict on getting back together?

• 1:41:41Speaker 04

  I would want us to start going, like, dating again, like-

• 1:41:43Caleb Hammer?

  He suggests just that, what'd he say?

• 1:41:44Speaker 03

  I would-

• 1:41:46Caleb Hammer?

  He's considering getting back with you, and you're considering moving across the country and he doesn't even know this?

• 1:41:51Speaker 04

  I have no idea.

• 1:41:52Caleb Hammer?

  Elusive members content? Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.

• 1:42:02Speaker 06

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