Pod Insights Financial Audit He Needs To Divorce Her | Financial Audit About this episode ▶ oh guyyyssss, the text messages between him and his young coworker are willldddd- I go through them, and it's *much worse* than you could ever imagine. Watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join
▶▶ *FREE TRIAL* To make our classes and budgeting app *more affordable*, we bundled them together for an *80% DISCOUNT* and for this month only, you can try DollarWise Central for *free* - check it out here and change your life: https://dollarwise.com/dollarwise-central/
▶▶▶Download the *DollarWise 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.
▶▶▶▶ *AND REMEMBER* those who sign up for DollarWise Premium *annual* get a signed version of the Cook Book, just submit proof of purchase 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
Download the CFO’s guide to AI and Machine Learning at https://netsuite.com/HAMMER
___________________________________________
▶EDUCATION:
1. Get your own free Hammer Financial Score: https://www.calebhammer.com
2. Get all of my educational programs for a much lower cost here, including the premium version of my budgeting app: https://dollarwise.com/dollarwise-central/
Learn more about your ad choices. Visit megaphone.fm/adchoices
Transcript 17,881 words · 6 speakers
Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.
0:00 Speaker 00 At Edward Jones, we believe rich is about taking care of what gives your life meaning. That's why your financial advisor personalizes your plan to help you preserve your progress and create something that lasts. Let's find your rich. Edward Jones. Member SIPC.
0:15 Speaker 01 Purchase new carpet from The Home Depot and get it installed for free right now. Shop the stylish choices and simple pricing of carpet from Home Decorator's Collection, Traffic Master, or life-proof with pet-proof technology, and see for yourself why nobody beats our prices. Enjoy new carpet with free installation right now at The Home Depot. Offer valid October 15 through November 1, 2026. Exclusions apply. For licenses, see homedepot.com/license numbers.
0:45 Caleb Hammer? To watch episodes of Financial Audit a week earlier, check us out on YouTube.
0:48 Speaker 03 He's a compulsive liar.
0:50 Caleb Hammer? Flat out, she can't trust you with money. No.
0:52 Speaker 04 That's pretty.
0:52 Caleb Hammer? Oh, f*** sake. Where the lack of trust come from?
0:54 Speaker 04 She has a self-image problem. The second she sees me talking to somebody else.
0:58 Caleb Hammer? She's talking about just your coworkers.
1:00 Speaker 04 If I'm nice to somebody, I'm nice to somebody.
1:01 Speaker 03 She was flirting with him.
1:03 Caleb Hammer? Who? Who?
1:04 Speaker 03 The worker.
1:05 Caleb Hammer? Was she flirting with you?
1:06 Speaker 04 Yeah.
1:06 Speaker 03 Okay, just like completely switch up on the show.
1:09 Speaker 04 I had to sit down after I walked away and said that I can't do this anymore.
1:12 Caleb Hammer? I can't do this anymore in terms of like relationship?
1:14 Speaker 04 Yeah.
1:15 Caleb Hammer? Maybe he will go f*** his coworker.
1:19 Caleb Hammer? The tools to change your life have just been upgraded. Download my budgeting app, rebranded to Dollar Wise today, and start your free trial. Sign up for the annual version, and I'll send you my budget-friendly cookbook that can't be purchased anywhere else, and I'll personally sign it and mail it directly to you. Download the Dollar Wise Budgeting app today and take advantage of your free trial.
1:40 Speaker 03 Hi, I'm Crystal. I'm 22.
1:42 Speaker 04 I'm Dustin. I'm 24 years old. We're from Roswell, New Mexico.
1:45 Speaker 03 And this is Financial Audit.
1:49 Caleb Hammer? Whatever Colton runs the episode, we always have stripper names, don't we?
1:54 Speaker 03 I'm not a stripper.
1:55 Caleb Hammer? I apologize.
1:56 Speaker 03 I'm not a stripper.
1:58 Caleb Hammer? No, I love it. No, it's great. Dustin and Crystal. He found himself a stripper, took her home, made her into a nice country girl. It's a classic story. It's old as time.
2:07 Speaker 04 Old as time.
2:07 Caleb Hammer? Patriotism. Love it.
2:08 Speaker 03 Not really.
2:10 Caleb Hammer? What do you do for a living, Crystal?
2:11 Speaker 03 I'm a stay-at-home mom.
2:13 Caleb Hammer? So you got the stripper pregnant?
2:15 Speaker 04 Yes, very fast.
2:17 Caleb Hammer? Okay.
2:18 Speaker 04 Didn't take long.
2:19 Caleb Hammer? Wait, you're 22, stay at home mom? Okay, very good. How many kids?
2:22 Speaker 03 Just one.
2:23 Caleb Hammer? What's the age?
2:24 Speaker 03 He's two.
2:25 Caleb Hammer? Wow, so kid at 20. A little less than traditional these days. That means you better have a nice, strong income in Roswell. I don't know what the economic situation is in Roswell, I'll be honest. A lot of the times people are from, or at least near somewhere where I have relative economic data that I, you know, can pull from. Roswell, I know nothing about. Mexico, not a great state in terms of the state.
2:49 Speaker 04 It's up and down. It really depends on just kind of the time of year.
2:52 Caleb Hammer? What do you do?
2:53 Speaker 04 So I'm a private security patrol officer.
2:56 Caleb Hammer? What do you make?
2:57 Speaker 04 Uh, 19 an hour. On the side, I do mechanic work to try to make up with what I can.
3:02 Caleb Hammer? What comes in on a weekly or bi-weekly, a monthly basis, whatever, whatever you prefer?
3:05 Speaker 04 Monthly, if we're, we're talking just with the, the security side, that's gonna be
3:11 Speaker 04 uh, pre-tax about three.
3:13 Caleb Hammer? Or post-tax?
3:14 Speaker 04 Probably like 20, 25.
3:16 Speaker 03 24, 25.
3:18 Caleb Hammer? Okay, so 25, and then if we're bringing in what you're doing on the side, what's coming in with that?
3:24 Speaker 04 Uh, it could be anywhere from 100 a week to 700 a month.
3:29 Caleb Hammer? Well, what's average? What's normal?
3:32 Speaker 03 Let's say like, we'll say like 200.
3:36 Speaker 04 We can say on an average about 300 a month.
3:38 Caleb Hammer? Okay, so 2,800? Family of three?
3:46 Speaker 03 Hmm, yep.
3:47 Caleb Hammer? Uh, I'm gonna start pulling some analytics or some, well, some statistics, but as I do, how the are we living on that?
3:57 Speaker 03 We're not.
3:57 Speaker 04 Barely.
3:58 Caleb Hammer? Okay, let's have more of an answer than that.
4:01 Speaker 03 We make do with what we can.
4:02 Speaker 04 Yeah, that's about right.
4:03 Caleb Hammer? Do we?
4:04 Speaker 03 Well, we try.
4:05 Caleb Hammer? What is making do? No, no, no, no. Tell me, what does life look like?
4:08 Speaker 03 Um, well, we struggle to pay our bills, um, struggle to be able to even afford like household essentials, you know? Um, but that's where, you know, him working, uh, his jobs on the side, that money like helps us, but then.
4:25 Caleb Hammer? Is family near?
4:27 Speaker 03 Yeah.
4:28 Caleb Hammer? Okay. Do they all work?
4:30 Speaker 03 Um, I mean, my mom's a stay at home mom as well.
4:34 Caleb Hammer? Can she not watch the kids so you can go double this household income like literally immediately?
4:40 Speaker 03 Not really, because we don't want to have our son raised by someone else.
4:45 Speaker 04 I'm really.
4:46 Caleb Hammer? Hold on, I, I was very much raised by my parents. However, I was at my grandparents and aunt's place Monday through Friday for daycare, including even when I was older during summer breaks. I was still very much raised by my parents. I don't consider them to have raised me in the slightest. It's daycare. It's being watched. You're still raised. What?
5:08 Speaker 04 My, my wife's been really, uh, how would I put this? Really protective of our son. And so I've, I've made the conscious decision to say that probably we should most likely just have her stay at home so she can watch our son grow and.
5:20 Caleb Hammer? Well, so you're both 100% aligned on that.
5:22 Speaker 03 Yeah.
5:23 Caleb Hammer? A stay at home mom's not bad, but the household just can't make bills due and the, the, meaning the kid's going to live in a more stressful environment growing up than being watched by grandma.
5:33 Speaker 03 Well.
5:34 Caleb Hammer? I think one's more stressful, watching mom and dad argue. Do you guys argue about money?
5:38 Speaker 03 Yes.
5:38 Caleb Hammer? Okay. I think that's going to lead to a more stressful environment and seeing bills not paid. Listen, I'll tell you. Why am I a little bit of a about money? Why am I a little obsessed about money? Why did I, uh, focus on money? I saw foreclosure notices on the house. Okay. I saw that. I saw bills not being able to be paid. I saw not being able to do the activities that a lot of other people did, or once we did, it was because they put a second mortgage on the home. I saw them bicker about money. It's not good. It's stressful. It turns you into a, you don't want one of me. So that's more important?
6:14 Speaker 03 Well, no.
6:15 Caleb Hammer? Than having grandma see the kid a couple of times a week, couple of times a week. Let's say you have a part-time job just to make bills due. Listen, the, in order to live comfortably in Roswell, you know, costs about 28% lower than the US average, 90% lower than the new Mexico average. And actually it's a standalone in the metro area suggests $2,430 is enough to be sufficient for what it's worth. Okay. What's going on in the communication of money? What's going on in this relationship? What, what's happening?
6:43 Speaker 04 I, uh, I have an issue with overspending or not following a budget very well. I, uh.
6:50 Caleb Hammer? Well, good. Sounds like you know what's going on. Why are you on the show?
6:54 Speaker 04 Uh, probably to get yelled at.
6:56 Caleb Hammer? And by the way, this is what happens every single time someone comes and they say, cuz, oh, no, I'm on camera. I'm gonna say the reasonable thing out of the gate, and then all of a sudden, we find out what actually happens down the road. But I did hear you actually did do something reasonable that I think we can celebrate out of the gate. I mean, you paid off a firm.
7:12 Speaker 04 Yep.
7:12 Caleb Hammer? Which is good.
7:12 Speaker 04 Yeah.
7:13 Speaker 03 Well, actually.
7:15 Caleb Hammer? What is well actually was paid off a firm?
7:18 Speaker 03 Um, he took out of his 401k to pay it off. He completely slated his.
7:24 Caleb Hammer? You consider that when you tell the producers that you paid off a firm? I have.
7:30 Speaker 04 The, uh, the interest I was getting off of my 401k was less than what the.
7:34 Caleb Hammer? Okay, what happens if you get fired and they call that 401k loan due?
7:37 Speaker 04 It wasn't a loan, it was a hardship.
7:40 Caleb Hammer? Wait, you took out? You full withdrew?
7:41 Speaker 04 I, I did.
7:42 Caleb Hammer? What's the interest on the affirm?
7:44 Speaker 04 Uh, it was 35.
7:45 Caleb Hammer? Are you taking any account that the affirm would be paid off, you know, within a few months? And that is money in the market that would be growing? Over the course of decades?
7:54 Speaker 04 I, I weighed the options versus what we were having to put out monthly to try to.
7:58 Caleb Hammer? Did you weigh the option of every single time someone takes a shortcut, they immediately build the debt up again? Because you didn't change any behavior to actually pay it off? All you did was just take money from somewhere else and put it on it?
8:07 Speaker 04 I mean, yeah, but we expected to probably change attitudes and adjust.
8:12 Caleb Hammer? Oh, afterwards.
8:14 Speaker 03 Which he didn't.
8:15 Caleb Hammer? Which he didn't?
8:16 Speaker 03 He's.
8:16 Caleb Hammer? Tell me.
8:17 Speaker 03 He racked up a firm again.
8:19 Speaker 04 It was for a valid reason.
8:21 Caleb Hammer? What the do you think is valid? A gay little cowboy hat's not valid.
8:25 Speaker 04 Oh, I've had this hat for a while. Um.
8:27 Caleb Hammer? Been gay for a while, alright.
8:28 Speaker 04 Sometimes, uh.
8:29 Caleb Hammer? Yeah, he is very Brokeback Malinesque.
8:31 Speaker 04 Oh, alright, so.
8:33 Caleb Hammer? I only say it cuz you can tell he's offended.
8:35 Speaker 04 Uh, we had to, my, my, uh, bulletproof vest for work ended up pretty much just falling apart on me. So I had to end up.
8:42 Caleb Hammer? Why, you got shot that many times?
8:43 Speaker 04 No, it's just that old. I've had it for seven years.
8:47 Speaker 03 Yeah.
8:48 Speaker 04 Uh, I had to end up, uh, purchasing another vest with, uh, plates.
8:51 Caleb Hammer? There will always be something when you take a shortcut to pay off a debt. There will always be something that pops up that you will use to justify. If that happened, you would have found another way to pay for it.
9:02 Caleb Hammer? There will always be something that pops up. My guy.
9:05 Speaker 03 Our AC also broke down.
9:08 Caleb Hammer? There will always be something that pops up.
9:11 Speaker 04 I suppose that's why an emergency fund is there.
9:14 Caleb Hammer? Yeah, that's why one would be there. Is it there?
9:17 Speaker 03 No.
9:18 Caleb Hammer? Okay, so what the, what do you say? That's why an emergency fund's there? No, okay, so what is, what are you, I feel like you disagree on this.
9:25 Speaker 03 No, I mean, he's, he's a problem.
9:28 Caleb Hammer? No, the 401k withdrawal?
9:29 Speaker 03 Oh, yeah.
9:30 Caleb Hammer? What's the conversation around this? Because this is impacting the household retirement.
9:34 Speaker 03 I mean, I tell him like, that's not a good idea. Like, we should find other ways to pay it off. But like, he, he's just so convincing and like, at the, in the moment, he's like.
9:43 Caleb Hammer? Or manipulative or gaslighting?
9:46 Speaker 03 A little bit of all that, yeah.
9:47 Caleb Hammer? Really? I was more just saying that, but.
9:49 Speaker 03 Yeah, it's just kinda, it's just whatever he says goes. And like.
9:55 Caleb Hammer? Why?
9:56 Speaker 03 I feel like we just, we have conversations over it and then it ends up with us bickering and then.
10:03 Caleb Hammer? How are we having conversations about our finances?
10:06 Speaker 04 Multiple times a day, probably.
10:08 Caleb Hammer? No.
10:09 Speaker 04 Yeah, most likely.
10:10 Caleb Hammer? Tell me. So just give me an example of a recent one.
10:13 Speaker 04 So it, it could go just from what we're gonna eat that day. Like, we could be like.
10:18 Caleb Hammer? Okay, and then walk me through that conversation, because that, that cannot lead, how long have you guys been together?
10:23 Speaker 04 Uh, seven years.
10:24 Caleb Hammer? How the are we making another seven if we're doing multiple a day? As little as just what we're doing for food. Go on, tell me, please.
10:30 Speaker 04 Sure. So I'll say, hey, let's eat something. And she'll go, okay. And that, that's all I get. I'll, I'll communicate. What do you want? What do you need? What do you want from me? And I'll get absolutely nothing.
10:41 Speaker 03 I'll just be like, whatever you want to eat, because I don't want to like upset him.
10:45 Caleb Hammer? Upset? What, do you be upset?
10:46 Speaker 03 Well, if like I say.
10:48 Caleb Hammer? You said you wanted pork chops for dinner?
10:50 Speaker 03 Well, he'd probably be fine with that, but um, just like if I say, oh, let's go to McDonald's, he's like, again? Or things like that.
10:59 Caleb Hammer? So she says, whatever you want, and?
11:02 Speaker 04 Uh, half the time, it's just, I'm, I don't want to answer. I, I don't want to have to go spend money. I don't want to have to do anything.
11:08 Caleb Hammer? Well, if it's whatever you want, do you have to go spend money? Or can you just make food?
11:13 Speaker 03 He likes to buy food.
11:14 Speaker 04 I do sometimes like to buy food.
11:15 Caleb Hammer? So what's the point then? No, no, no, no, cuz you just said you're upset that she says whatever cuz that means you have to spend money you don't wanna spend, but if you like to spend money, what the fuck are you talking about?
11:22 Speaker 04 Because I'm trying to.
11:23 Caleb Hammer? What are you talking about? What a deflection. You say, hey, I'm hungry. What do you want? She says, oh, whatever you want. And you're like, wow, you're making me go spend money? What do you want? So what's the argument there?
11:32 Speaker 03 Well, he agrees, and then we go get the food, and then he buys all this, like, large amount of food, and I'm like, you did not need that much food.
11:41 Caleb Hammer? Yeah, it's also not good for you bottoming later, so.
11:44 Speaker 03 Yeah, and then it's just like, just constant, like, he does, he makes a decision, I don't agree with it, and I get upset.
11:52 Caleb Hammer? So we can't have a conversation about what we're able to spend?
11:58 Speaker 04 That's about right.
12:00 Caleb Hammer? Do we try to have the conversation?
12:02 Speaker 04 I try to.
12:03 Caleb Hammer? Okay, so tell me. Okay, walk me through the, I try to have a conversation first.
12:06 Speaker 04 Sure, so I'll try to sit down and say, hey, can we please have a talk? Can we just sit down and communicate about what we need to do here? And I will get her to completely clam up, completely just shut down.
12:17 Caleb Hammer? Hold on, that, we don't call it that.
12:20 Speaker 03 Um, well, like, I just feel like if I, we try and have a conversation, it just leads to nothing because the behavior will continue to carry on.
12:30 Caleb Hammer? So very different perspectives on this. I try to have a conversation, I try to have a conversation, nothing happens. What is the, I try to have a conversation from both ends, but nothing happens. What do you try to say?
12:40 Speaker 03 I mean, I just try and like, lead to, like, we make a budget, and I have us sit down, make a budget, list everything down, see how much money is coming in.
12:49 Caleb Hammer? You make a budget.
12:51 Speaker 03 Yeah, and then like I have, like, show him.
12:53 Speaker 04 Yeah, that's.
12:54 Caleb Hammer? So you don't make a budget together. She makes a budget.
12:56 Speaker 04 Correct, and then I look at it after the fact.
12:57 Caleb Hammer? And?
12:58 Speaker 04 I usually go, okay, great, that looks fantastic, and then as soon as most of the important bills are paid, if there's any extra money in the account, I tend to.
13:07 Caleb Hammer? So why? Why are you this entire household?
13:11 Caleb Hammer? Self-confess, sounds like you're the bad guy.
13:14 Speaker 04 I wouldn't.
13:14 Caleb Hammer? What are you doing, my dude? You try to blame her for saying she doesn't, she's not saying where she wants to go for dinner? But you're the one going and blowing the mon- are you blowing money?
13:23 Speaker 03 Um, whenever we agree to go eat out, like, that's about all I do.
13:27 Caleb Hammer? How often are we eating out?
13:29 Speaker 03 Um, probably a few times a week, maybe?
13:33 Caleb Hammer? But if you're struggling to survive, struggling to pay bills, self-confessed, how are we doing that? Eight hundred dollars going out to eat alone in this last month? How the [bleep] are we concerned about paying bills if we're blowing nearly a thousand dollars on that? Misleading is bullshit, almost four hundred dollars on top of that.
13:49 Speaker 03 Yeah.
13:50 Caleb Hammer? What is going on? Well, that doesn't make any sense. How can we even be trusted?
13:54 Speaker 04 Uh, I, uh, I work overnights. So for me, it's, uh, I'm, I'm sleeping most of the day, so it's hard for me to want to wake up, uh, try to cook food, stuff like that.
14:05 Caleb Hammer? That happens at any time of the day. Why, why doesn't, hmm, huh? I'm sorry, your, your schedule's just shifted. Why does it? Hmm, how does that change?
14:14 Speaker 03 He's-
14:14 Caleb Hammer? I've done nights.
14:15 Speaker 03 He's driving a-
14:16 Caleb Hammer? College.
14:16 Speaker 03 He's driving around a lot and so like, he like, doesn't have many stops. So whenever he can-
14:23 Caleb Hammer? Food like a big boy?
14:24 Speaker 03 I mean, yeah.
14:26 Speaker 04 It, it's hard to pack food when I don't have time. It's, it's always me waking up late.
14:30 Caleb Hammer? Why isn't she here? Stay-at-home mom?
14:32 Speaker 03 I take care of her son.
14:34 Caleb Hammer? Take care of him as well. He's going out and making money, pack, just pack lunch.
14:37 Speaker 03 He's really picky as well.
14:40 Caleb Hammer? Well, stop being a little, twenty little bitch, you're twenty-four, shut the [bleep] up. And also, make food based on his pickiness then, I don't know.
14:46 Speaker 03 If you like expensive stuff, like meats and stuff, like, that's what he likes.
14:51 Caleb Hammer? Can be okay.
14:51 Speaker 03 He doesn't like lunch meat. He doesn't like cold food either.
14:54 Caleb Hammer? Down for lunch.
14:55 Speaker 04 I'm fine with lunch meat.
14:56 Speaker 03 Okay, just like, completely switch up on the show, it's fine.
15:00 Caleb Hammer? Hmm, that happens quite often. Yeah, what's the switch up, big guy?
15:04 Speaker 04 Not much, it's just, I, I don't feel like I ask a whole lot.
15:08 Speaker 04 I, I ask, I ask for just, just basic toasts.
15:11 Speaker 03 No, you don't. You be asking for briskets and like, just like, all the kinds of meats.
15:17 Speaker 04 I, I do like meat. I do like cooking.
15:19 Speaker 03 He's a big meat eater.
15:23 Speaker 03 And that's expensive. And like, I don't like cooking either.
15:27 Caleb Hammer? You're saying he's switching up on the show, though?
15:29 Speaker 03 Yeah. Because like, I feel like he does sound like lunch meat.
15:32 Speaker 04 You've never asked. You've never, you've never asked me what you'd like me to cook for me for lunch or for anything.
15:38 Speaker 03 Well, before his son, like, I remember packing him lunches and like, I did make lunch, like, sandwiches for him. And like, after a while, he got tired of that and he didn't want that anymore. So I feel like I'm thinking back to that time. And like, he's still tired of that. So I don't know. Maybe.
15:57 Speaker 04 I'm not. It's just conversations like that don't really come up. It's, it's immediately.
16:01 Caleb Hammer? Why don't we bring them up?
16:02 Speaker 04 It's immediately shut down. I can bring it up just.
16:04 Caleb Hammer? So you shut down conversations?
16:06 Speaker 03 I feel like I don't, but maybe I do. I don't know.
16:08 Speaker 04 It's absolutely a shutdown. It's, it's immediate. I, I try to get through and then it's, no, I'm already upset because she remembers something from the past and just doesn't let anything go. Whole lot of grudges.
16:19 Caleb Hammer? I will say that is a very lady tendency. I will say, we can acknowledge flaws, right? I mean, there, there is something that women do tend to bring up things from the past in the middle of a conversation more than men do.
16:32 Speaker 03 Yeah.
16:34 Caleb Hammer? That is quite common. So, I mean, that's a flaw. If we're trying to have a, you know, an appropriate conversation, if we're trying to have a more open conversation, does it make sense to bring up something from two years ago?
16:44 Speaker 03 Well.
16:44 Caleb Hammer? For the productivity of that conversation?
16:46 Speaker 03 It does, because I feel like.
16:48 Caleb Hammer? Oh, that's irrelevant.
16:49 Speaker 03 Well, yeah, because I remember things in the past where we've tried and changed and like, we've brought up conversations. And like, so many years have passed and nothing has changed and things are still the same. So I feel like I'm valid in getting upset about that.
17:05 Speaker 04 I don't even know what she just said. I, I.
17:08 Caleb Hammer? You don't listen to her?
17:09 Speaker 04 Of course I listened to her. I just, I feel like I kind of trailed off.
17:12 Caleb Hammer? This relationship's weird, guys. What the?
17:15 Speaker 03 Maybe just a little bit.
17:17 Caleb Hammer? So baby, a whoopsie baby or intentional baby?
17:19 Speaker 04 Um, I feel like it was a little bit of both.
17:22 Caleb Hammer? No, that means it's intentional. Come on. If you didn't care, then you you were ready.
17:27 Speaker 04 I don't regret it.
17:28 Caleb Hammer? I'm not saying that. I'm asking if it was intentional or an accident.
17:32 Speaker 03 I mean, accident turned intentional?
17:35 Caleb Hammer? So the money coming in, who manages it?
17:37 Speaker 04 That would be, it'd be her, most likely.
17:41 Caleb Hammer? How do we have two different answers, guys? Just one paycheck that comes in, well, kind of two from one person? And you say both, he says you. What the, how do I have two answers here?
17:50 Speaker 03 So I feel like before we used to, we were doing good, like a few years ago, because he would get his paycheck. He would give it all to me and I was able to budget it out, uh, and put the money where it needs to be. And I feel like after a while of that, he started getting angsty with money. And then he was like, I'm gonna try and like pay my own bills. So I allowed him to. And so I give him money to pay his bills.
18:15 Caleb Hammer? You give him money from his paycheck to pay his?
18:18 Speaker 03 Well, he keeps some money and then he gives me the rest to pay the rest of the bills.
18:22 Caleb Hammer? And you rely on her to pay the bills? I'm so confused. Why are you guys overcomplicating this?
18:26 Speaker 04 With my work, it's it's what I do is, uh, she can't trust me with the bill money because I will probably spend it and, uh.
18:32 Caleb Hammer? Is that true?
18:33 Speaker 03 Yes.
18:34 Caleb Hammer? Really? Just flat out, she can't trust you with money?
18:36 Speaker 03 Yeah, no.
18:37 Speaker 04 That's pretty.
18:37 Caleb Hammer? Sake, then how do we get anywhere?
18:40 Speaker 04 Ah.
18:40 Caleb Hammer? If there's just a lack of trust, why, where the lack of trust come from?
18:43 Speaker 03 He's a compulsive liar. That's another thing.
18:49 Caleb Hammer? I'm gonna need something on that. That's something heavy to throw out.
18:55 Speaker 03 He, he just lies about any little thing. It could be the stupidest thing ever and he'll like lie about it. But he used to be really bad about that in the beginning of our relationship. Um, but still, that's something that like just sticks with you.
19:07 Caleb Hammer? Okay, I'm gonna put headphones on him so you can speak a little more openly. Go ahead and, uh, take that off, big guy.
19:13 Speaker 04 Yes, sir.
19:14 Caleb Hammer? Okay.
19:16 Speaker 04 Thank you very much.
19:18 Caleb Hammer? We'll give you some tunes. Is he listening to the Brokeback soundtrack?
19:23 Caleb Hammer? Colton gave him the gayest music.
19:26 Speaker 03 He's vibing.
19:31 Caleb Hammer? No, I know. His head be going up and down every night.
19:35 Speaker 03 No.
19:36 Caleb Hammer? Okay, compulsive liar, tell me more. I need to know a lot more about that, because that is a that is a heavy thing to throw out.
19:41 Speaker 03 The very beginning of our relationship, I met him as his fake name.
19:47 Caleb Hammer? Let's be real. If your private student loans have you eyeing a third job at the local taco stand, maybe it's time for a better plan. Y Refi is your lifesaver in a sea of debt. And unlike the typical loan shark who treats your credit score like a magical crystal ball, Y Refi cares if you actually want and can afford to repay. So forget jumping through hoops and start jumping for joy at their under 6% interest rates. Yeah, you heard me, less than 6%. Plus, they got a co-signed release program so you can finally give your mom and dad a break from your financial baggage. Consider it your early Mother's Day and Father's Day gift. They also offer a structured repayment plan that lowers your monthly bill and personal reps who actually pick up the phone. It's no wonder why they've got a 4.6 star rating on Google. Apparently, treating borrowers like humans actually works wonders.
20:32 Caleb Hammer? So if you're sick of interest rates so high they may as well be charging for oxygen, Y Refi is your shot at a real solution. No more losing sleep and no more ignoring that mountain of student loan statements on your kitchen table. Go to Y R E F Y dot com slash hammer. That is Y Refi dot com slash hammer. Or call 888-973-3978. That is 888-973-3978. And get out from under the weight of private student loans. Let's make your debt meltdown a distant memory, not a daily reality. What?
20:59 Speaker 03 He had a fake name whenever we first met, and that's how we met him.
21:03 Caleb Hammer? On like a dating app?
21:04 Speaker 03 No, we met on Facebook.
21:06 Caleb Hammer? What the f- kid, and he, wha- what?
21:09 Speaker 03 Yeah, he had like a-
21:10 Caleb Hammer? And that's not a red flag out of the gate.
21:12 Speaker 03 Yeah, but like, I guess, I don't know, I was desperate. I was young, I was stupid. I wasn't really desperate, but like-
21:18 Caleb Hammer? You're not unattractive.
21:20 Speaker 03 Well, thank you, but, um, I don't know. I just feel like- I go for toxic guys, I guess.
21:27 Caleb Hammer? Good, and that's what we settled down with?
21:30 Speaker 03 Well, I don't know, I feel like I can't like get out of it cuz I tried leaving him once and like, uh, he just kind of followed me.
21:39 Caleb Hammer? No, no, tell me about that.
21:41 Speaker 03 Okay, so we ended up moving in while we were still, uh, in while I was still in high school, he was already graduated. He couldn't keep a job, um, but I moved in with him and after I graduated, I moved out to an apartment with one of my friends.
21:58 Caleb Hammer? Uh huh.
21:59 Speaker 03 And he just kind of followed me over there. I said we were gonna take a break and he just didn't leave me alone. And then like three months later, somehow we ended up getting a house together.
22:10 Caleb Hammer? What do you mean somehow? What the, what happened?
22:12 Speaker 03 Well, we ended up getting together, like he had me have a, like a fallout with my friend.
22:18 Caleb Hammer? He made you have a fallout?
22:20 Speaker 03 Well, he didn't make me. He said that he was in the apartment and he heard her talking about me.
22:25 Caleb Hammer? Oh, my goodness. Oh, he's a drama. Oh, my goodness.
22:30 Speaker 03 No, no, no, no, no.
22:32 Caleb Hammer? Are you sure he wasn't using that as a way to separate you?
22:35 Speaker 03 I don't think so.
22:35 Caleb Hammer? I'm not going groom, but.
22:37 Speaker 03 No, she was as well. And like, I knew that, so I believed him with that.
22:40 Caleb Hammer? Okay.
22:41 Speaker 03 Um, so I was kind of like tired of her, tired of his, but I was like, I'm gonna just pick the lesser of two evils and I'm just gonna go with him. Because like he's a partner, she's a friend, and friends can, and friendships can end.
22:54 Caleb Hammer? Sure.
22:55 Speaker 03 Yeah. So I was like, okay, I'll just stick with him.
22:59 Caleb Hammer? Wow. So romantic.
23:02 Speaker 03 Yeah.
23:04 Caleb Hammer? True love.
23:05 Speaker 03 Yeah.
23:05 Caleb Hammer? Did you have a kid with that?
23:07 Speaker 03 I didn't mean to, but like it happened, so.
23:11 Caleb Hammer? A raw dog and dick without protection of pill or rubber.
23:16 Speaker 03 Okay, but.
23:17 Caleb Hammer? What do you think happens when a man comes inside of you?
23:20 Speaker 03 Birth control is not cool.
23:21 Caleb Hammer? Cool. Use a condom, use a pullout. He was literally nutting inside of your vagina. What do you think happens?
23:27 Speaker 03 It was an accident.
23:28 Caleb Hammer? Yeah, then you go morning after or something like that is going to happen.
23:32 Speaker 03 Yeah.
23:32 Caleb Hammer? A baby will happen from.
23:34 Speaker 03 Yeah, that's fine.
23:35 Caleb Hammer? Insemination.
23:36 Speaker 03 Yeah, that's fine.
23:37 Caleb Hammer? Do you feel stuck now?
23:39 Speaker 03 Maybe sometimes. I feel like now that we have a baby and a family, like it's like I'm just trying to make it work now.
23:48 Caleb Hammer? That doesn't again, sound romantic.
23:52 Speaker 03 It is.
23:52 Caleb Hammer? The hope for our future.
23:54 Speaker 03 Well, it is.
23:55 Caleb Hammer? How?
23:56 Speaker 03 I don't know. It just, it just is.
24:00 Caleb Hammer? What? Okay, so how often is he lying, caught lying to you?
24:04 Speaker 03 Um, he'll just lie about like whatever.
24:07 Caleb Hammer? How can you trust anything?
24:09 Speaker 03 I mean with, like, we made a budget, okay?
24:12 Caleb Hammer? Okay.
24:13 Speaker 03 And so we had like a hundred dollars or two hundred left over. And he goes like to a concert or like he was working while he was working at a concert and um well, while he's there, like he ends up buying food because you know, we don't pack lunches and he just doesn't tell me about it. Like he just.
24:34 Caleb Hammer? Is that a lie or is that he just did it?
24:37 Speaker 03 Well, he just kind of does it.
24:38 Caleb Hammer? I'll go and get lunch after this. Let's say, I'll say the team and I go to get lunch. I don't tell my girlfriend.
24:44 Speaker 03 Well, you probably should.
24:46 Caleb Hammer? No. Cause if that's what your constitution.
24:51 Speaker 03 If your finances are together, you should probably let the other person know.
24:54 Caleb Hammer? Communicate every minutia? Not necessarily. It's more big picture that you agree upon on a monthly basis. Then review the budget at the end and then figure out what you need to change, big picture on the next monthly basis. It's not him. Listen, I'm not even saying he can afford to go in and get a monster from a gas station. I'm not saying he can afford that. But if he does this, he need to communicate every single little purchase, his little, if that's what you're considering big lies. Then I'm having a trouble believing that he's just a constant liar.
25:21 Speaker 03 Well, it's not that, but like just lies about other stuff, but like.
25:26 Caleb Hammer? You have to give me an example then for me to believe you.
25:28 Speaker 03 Um, like there's just so much that I can't think of.
25:31 Caleb Hammer? Something.
25:31 Speaker 03 I can't think of anything.
25:32 Caleb Hammer? You're a woman. You bring everything back from the past, right?
25:35 Speaker 03 I bring up feelings. I bring up feelings. I can remember feelings. I don't remember everything else.
25:41 Caleb Hammer? Okay, so you don't have one example?
25:44 Speaker 03 Not that I can think of right off the top of my head.
25:47 Caleb Hammer? I mean, you told Cole and he's flirting with other women constantly. That would make it hard for me to trust.
25:52 Speaker 03 Um, yeah, well.
25:54 Caleb Hammer? Tell me.
25:55 Speaker 03 He's, he just has a flirty attitude. So I feel like that's part of it.
25:59 Caleb Hammer? Well, what, what happens?
26:01 Speaker 03 Well, he's just like, like at work, like he has people he works with and like if a girl talks to him. And like he talks back to them. I feel like they just think of it.
26:12 Caleb Hammer? Nice.
26:13 Speaker 03 Yeah, he's overly nice. He's too nice. He's too nice to other girls.
26:18 Caleb Hammer? I don't know. I guess there was someone backstage at a concert that you were like afraid of him or something? I don't know.
26:27 Speaker 03 No, that's just me being jealous.
26:31 Caleb Hammer? Okay, I feel like the tone of this is starting to shift from. I don't, I think you're overbearing in a little.
26:40 Speaker 03 Maybe a little bit, but I think it's valid.
26:45 Caleb Hammer? Why do you think it's va- valid? Cause it's honestly just a codependency relationship and then you kinda wanting to.
26:54 Caleb Hammer? Everything. He can't be nice to coworkers? I mean, I'm struggling with that.
26:57 Speaker 03 Okay, well, that's besides the fact. That's besides the point.
27:01 Caleb Hammer? I don't know. You said, you set him up as, he's a compulsive liar. He's this, he's this, he's this. And we bring up examples.
27:07 Speaker 03 Okay.
27:07 Caleb Hammer? Oh, he went and got a meal without, you know, talking to me first. It's like, okay, does that mean compulsive liar?
27:12 Speaker 03 Well, okay, so I'll tell you this. At work, he was trying to give like one of the passes that he had received for the concert after the fact. Because he met up with one of his workers that saw him there. So he asked her if she wanted the pass on text, um, before he asked me about it. Like if I wanted it.
27:36 Caleb Hammer? He may have just wanted to gift it to a friend at work. I don't know.
27:40 Speaker 03 Okay, but he asked me after she, he asked her. Like, shouldn't you be asking first?
27:45 Caleb Hammer? Has he ever cheated on you?
27:46 Speaker 03 Okay, no.
27:51 Caleb Hammer? What are we doing here? You're like self fulfilling. No, no, you're self fulfilling prophecy in this thing.
27:56 Speaker 03 Maybe a little bit.
27:57 Caleb Hammer? Push him into a corner.
27:59 Speaker 03 Yeah.
28:00 Caleb Hammer? Why? If nothing's bad actually happening, then stop projecting that something bad is happening. Because that, that just manifests in a way.
28:12 Speaker 03 Yeah, I don't want that to happen.
28:14 Caleb Hammer? But you're almost doing that.
28:16 Speaker 03 Yeah, but I'm trying to work on it.
28:19 Caleb Hammer? Okay.
28:21 Caleb Hammer? Hey, big guy, have you ever fucked anyone while you've been with her? No, absolutely not. And that's what I thought.
28:27 Caleb Hammer? Oh, no, no, you're good. You're good.
28:28 Speaker 04 Gotcha.
28:29 Caleb Hammer? You can have your hat back.
28:32 Speaker 04 Thank you.
28:33 Caleb Hammer? Um, oh, apparently she's jealous of a lot of women.
28:36 Speaker 04 That sounds about right.
28:38 Caleb Hammer? Why? Why do you think?
28:40 Speaker 04 Can she put the headphones on so I can say?
28:42 Caleb Hammer? Yes.
28:46 Caleb Hammer? What is she, native or Mexican?
28:48 Speaker 04 Mexican.
28:48 Caleb Hammer? Okay.
28:49 Speaker 04 Uh, she has a-
28:50 Caleb Hammer? Give her some trumpets.
28:53 Speaker 04 She has a self-image problem. Um, she's seen some of the exes I've had in the past, and I feel like she's had an issue with that since.
29:01 Caleb Hammer? She's not unattractive, huh?
29:02 Speaker 04 I know she's not. I think she's beautiful. But, uh, I dated a, uh, a model at one point.
29:10 Speaker 04 Didn't last very long, but, um-
29:12 Caleb Hammer? She didn't want to stay in Roswell?
29:14 Speaker 04 Yeah, pretty much. Yeah, she left. But, uh-
29:17 Caleb Hammer? Okay.
29:19 Speaker 04 Well, I guess it was more her family moved away because we're both still underage at that time.
29:22 Caleb Hammer? Go on, keep going.
29:24 Speaker 04 But, uh, no, she, she has an image, uh, an image problem, I believe, with herself. And so the second she sees me talking to somebody else, as well as possibly some past trauma, maybe? I know-
29:33 Caleb Hammer? She's talking about just your coworkers.
29:37 Speaker 04 I, I only, I only talked to one female.
29:38 Caleb Hammer? She says you're overly nice.
29:40 Speaker 04 I'm nice to everybody. I mean, I, I don't see any reason to be rude to anybody. I'm very respectful. Yes, sir, no, sir. That's how I was raised. I mean, if I'm nice to somebody, I'm nice to somebody. If, if she has a problem with that, she can bring it up to me, and I can try to move that behavior. But if she comes at me from a place of, "You're cheating", I'm just gonna say no, because I'm not. If that's as far as it goes, is you're cheating, you're cheating, you're cheating. Where am I supposed to go with that?
30:06 Caleb Hammer? I know. I kind of agree. I'm with you on that part. And then I think she's in the right when it comes to you and your money, and just she can't trust you with money. Now, I think, you know, the micromanagement of every single purchase isn't always gonna be the most healthy thing. Sure, maybe a little when we're trying to get out of debt. It's important at first when we're changing behavior, but that's also, ah, it's a bit toxic. A lot of codependence. She really made it sound like she's only- Stayed because oh, now we have a kid now. Oh, we moved in together. Oh, we're depending on each other.
30:36 Speaker 04 She, she makes it seem that way. And when she's upset and she's arguing that that's exactly how she acts.
30:41 Caleb Hammer? That's what she says.
30:41 Speaker 04 Yeah, that's exactly what she says.
30:43 Caleb Hammer? How does that feel?
30:44 Speaker 04 It hurts the hell out of me because I feel like i- in my, in my personal space, I feel like I try really hard. I'm constantly working. And just recently, we had a huge argument that almost ended in, in me just walking away.
30:55 Caleb Hammer? Oh.
30:55 Speaker 04 Um, I was, I was really, really upset because she constantly badgered me about cheating, leaving her this, that or the other. And it was a situation of, I got super tired of working all these extra hours. And so she, first it started with an argument about finances. I'm not making enough. We're not surviving. And I said, okay, I'll, I'll, I'll work more. So I picked up extra hours. I did more work on the side as a mechanic. And so I did as much as I could, worked as many extra hours as possible. And now it was an issue of, I'm not around enough for my son or my family, and I'm not there enough, and I'm not this enough. And at that point, I was not sleeping. I was up for 48 hours straight. And it was a constant argument back and forth.
31:40 Caleb Hammer? Ladies and gentlemen of Financial Audit, this is one of the most exciting moments in this channel's history. You know, I've been working on building all these educational tools, our budgeting app, all this crazy stuff of this past year. Cause that is where my passion is. We finally did it. And now we put it all into one program called Dollar Wise Central. You get the premium version of my budgeting app. You'll get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner stuff and finance, all the way to the advanced stuff. Collaborated by experts with the lowest refund rate in the industry for a reason. If you are struggling, or you want to learn more, or you want to change your life in any way whatsoever,
32:24 Caleb Hammer? like literal tens of thousands of people have done with our programs, go to dollarwise.com. Click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no brainer. Dollarwise.com. Let's go.
32:42 Speaker 04 It was, I felt like I was damned if I did and damned if I don't.
32:46 Caleb Hammer? Does that ever change? That has to just be changed in like couples therapy or something like cause they're like that's a that's something she says how often does she do this bring this up this like cheating and
32:57 Speaker 04 So cheating isn't very often but like leaving or not being there enough or just picking an argument for no reason for for me I feel like no reason is is
33:05 Caleb Hammer? He's cooped up at home now with
33:07 Speaker 04 I tell her to go out I I tell her like take her to take our son to the park go meet somebody
33:12 Caleb Hammer? But it's like it's not about taking the kid though she might need a little away time and go get her nails done whatever she likes to do I don't know but I don't know what's in Roswell but
33:24 Speaker 04 There's not a whole bunch but there's enough to go get some stuff done
33:27 Caleb Hammer? And that means you know maybe you watching the kid or grandma watching the kid sometimes
33:31 Speaker 04 Yeah and I mean when I'm off I'm fine with doing
33:33 Caleb Hammer? How many hours a week do you work?
33:35 Speaker 04 Uh if we're talking just my regular job anywhere
33:38 Caleb Hammer? Just average come on
33:39 Speaker 04 Average about eighty eighty a week
33:41 Caleb Hammer? You're you're not making enough money to justify eighty a week okay Okay you're good You're good What the why did you just berate him after he was awake for forty eight hours of being a cheater and all this stuff I guess I know he a Calvin Klein male model once in the past we know that okay very good but besides the model who moved away before meeting you
34:08 Caleb Hammer? why he was up forty he was up forty eight hours and you were just he's always working eighty hours a week you just berate him berate him berate him and you're like why you cheater you cheater all this he almost left in that moment why why'd you do this?
34:24 Speaker 03 Because I forgot to leave out I've left out something important that she was flirting with him
34:30 Caleb Hammer? Who who?
34:31 Speaker 03 The worker that he works with
34:33 Caleb Hammer? Was she flirting with you?
34:34 Speaker 04 Yeah there's been a couple points of what she's flirted with
34:36 Caleb Hammer? How do you know it's flirt?
34:38 Speaker 04 Uh asking for my number when I'm getting off when we can hang out after work stuff like that
34:42 Caleb Hammer? Yeah yeah yeah yeah no that's a that's crossing boundaries a hundred percent
34:47 Speaker 04 Yeah and I've said that
34:48 Caleb Hammer? That's her doing it not him
34:50 Speaker 03 But she's I feel like he's entertaining it if he's still talking to her
34:54 Speaker 04 No absolutely not I but like I work in a professional setting I can't
34:59 Caleb Hammer? She has his number?
34:59 Speaker 03 Yes they have that's how he texted her if she wanted the pass
35:03 Caleb Hammer? Oh
35:05 Caleb Hammer? Oh, that's the person you texted? Oh, this is messy.
35:09 Speaker 04 Like, she's seen the text. She knows everything. Like, it's not like I'm doing anything outside of work.
35:14 Speaker 03 Offering the pass before me. I had to like go in there and like breathe the rest.
35:18 Caleb Hammer? Why'd you pick her over her?
35:19 Speaker 04 Say that again?
35:20 Caleb Hammer? Why'd you pick coworker over her to send the pass to?
35:23 Speaker 04 Two hours before I even messaged this girl about the pass, I asked if she was interested in the person that the concert was for, and she said, no, she's not interested in anything at all. And so I was like, well, the person there.
35:34 Speaker 03 The concert person.
35:34 Caleb Hammer? Oh, then that's fair.
35:36 Speaker 03 But that doesn't mean I don't want the pass.
35:39 Speaker 04 We have too much as it is.
35:41 Caleb Hammer? Oh, guys, this is so messy. What the? Have you guys gone to couples therapy? Is that even an option in Roswell?
35:49 Speaker 03 I want to go to couples therapy, and we brought it up together, but he says we can't afford it. And like, we can't.
35:56 Caleb Hammer? But even like a session a month might be worth it.
35:59 Speaker 03 Yeah.
36:02 Speaker 04 I've told her I'm open to the idea as long as she's willing to like work with us a little bit, just until we can get the breathing room.
36:09 Caleb Hammer? The therapist?
36:10 Speaker 04 No, no, no, no, no. No, her. As long as me and her can work through this a little bit longer together as a couple. Because I'm, I swear.
36:17 Caleb Hammer? How close are we to leaving?
36:19 Speaker 04 It's, I walked away just the other day, and I had to come back because I was really upset.
36:24 Caleb Hammer? Yeah. This thing's on the brink. Okay, I didn't know, I didn't know how severe this was. Get into this. This is a mess. Okay, I know that was a long intro, ladies and gentlemen, but I think it's well established now, the baseline of this conversation, because that's that's what I needed to get to the bottom of. Now we can get into these finances and add some context to it. Want to come on the show? Go to Calebhammer.com/apply. I'd be happy to have you on here in Austin, Texas. What is your household hammer financial score? I'm gonna count down three, two, one, and on go. Three, two, one, go. I want you guys at the same time to give me a score. Zero to 10, zero being the worst, 10 being the best of the household. Okay? Three, two, one.
37:08 Speaker 04 One. Two.
37:10 Caleb Hammer? Okay. Now you think it's a little better?
37:13 Speaker 04 I do think it's a tiny bit better.
37:14 Caleb Hammer? Why?
37:15 Speaker 04 Because I feel like even, even at the end of the month, I still like, I still feel like we have a little bit of extra and despite.
37:21 Caleb Hammer? You guys almost missed your mortgage payment?
37:23 Speaker 03 What's up?
37:24 Caleb Hammer? You guys almost miss your mortgage payments sometimes?
37:26 Speaker 03 Almost, yeah. Um, this last month, but we always pay it off. Like, that's like
37:30 Caleb Hammer? I've never been late.
37:32 Speaker 03 We've never been late.
37:33 Caleb Hammer? But you've almost been late.
37:35 Speaker 03 Yeah, we're always almost late.
37:37 Caleb Hammer? We're always almost late.
37:38 Speaker 03 Most of the time.
37:40 Caleb Hammer? Also, why are you so insecure? He said you're insecure about your body and looks.
37:45 Speaker 03 Uh, childhood trauma?
37:48 Caleb Hammer? What, did your mom tell you you're ugly?
37:50 Speaker 03 Well, she calls me fatty. Well, she used to call me fatty. I guess so, yeah. Yeah.
37:54 Caleb Hammer? I don't think so. I, uh, from this angle, I don't think so. I'm getting some head shakes now in the back.
38:01 Speaker 03 Well, I was a fat kid.
38:02 Caleb Hammer? I'm getting multiple head shakes now.
38:03 Speaker 03 I was a fat kid.
38:04 Caleb Hammer? Well, you're not a fat kid.
38:07 Caleb Hammer? If you want to get your financial score and see where you stand in the world of finances, take the assessment. It is free at Calebhammer.com or Dollarwise.com. And if you don't want to be like a guest who ends up on the show, make sure you download the Dollarwise Budgeting app today. Take the free trial. If you like it and you want to save a lot of money, sign up for the annual version and I'll send you our budget friendly cookbook, signed by me, mailed directly to you. And if you want to bundle it with all of our educational products together, you can get that for 80% off by joining Dollarwise Central. Go to Dollarwise.com. Let's jump into this money, yeah? Yeah. Yeah. Big money. Now, are these like separate accounts? Do we, are we on, are we joint on these cards? Where are we? Where?
38:42 Speaker 03 Um.
38:43 Caleb Hammer? Most are separated, but we do use them together. Uh, okay. So whose name is the Home Depot under?
38:48 Speaker 03 Mine.
38:49 Caleb Hammer? Okay, what's going on with this card, guys?
38:51 Speaker 03 Bunch of house renovations. Um, yeah.
38:55 Caleb Hammer? So we're locked, we're just locking in on Roswell, Rosewell, because we're, you're working 80 hours a week for not much money. You meet the income threshold needed for that area, but at 80 hours a week, why is this a place we need to stay in? Because sometimes we're just gonna make life moves. How old were we when we bought it?
39:12 Speaker 03 We, I was, I just turned 19 when I bought that house.
39:16 Caleb Hammer? Yeah, we, we, we own a house together. I, yeah, but.
39:19 Speaker 03 It's under my name, though.
39:19 Caleb Hammer? Do you guys have to stay in Roswell?
39:22 Speaker 03 I mean, that's where family is.
39:23 Caleb Hammer? You're not even.
39:26 Caleb Hammer? Your kids not even seeing them.
39:28 Speaker 03 He is, he does see them.
39:30 Speaker 04 He sees them almost daily.
39:31 Speaker 03 Yeah, I go over there daily.
39:33 Caleb Hammer? Okay, is there not a larger metro close by?
39:36 Speaker 04 Not really, no.
39:37 Caleb Hammer? What does the future hold for business? Ask nine experts and you'll get 10 different answers. Bull market, bear market, rates up, rates down. Everyone's just guessing. Can someone please invent a crystal ball already? But until then, over 42,000 businesses have future proofed their companies with NetSuite by Oracle, the number one cloud ERP that brings accounting, financial management, inventory, HR into one smooth platform. One unified system means one source of truth. So you can make decisions fast instead of digging through 12 different spreadsheets like it's 1998. And with real time insights and forecasting, it's the closest thing you'll get to peering into the future without hiring a sidekick. Close your books in days, not weeks, and focus on what's next.
40:18 Caleb Hammer? Whether you're making millions or hundreds of millions, NetSuite helps you tackle challenges and seize opportunities. And speaking of opportunity, download the CFO's Guide to AI and Machine Learning at netsuite.com/hammer. The guide is free to you at netsuite.com/hammer. That is netsuite.com/hammer. Let's get back to the episode.
40:36 Speaker 04 Not that's within close range because when you're talking.
40:38 Speaker 03 Two hours away.
40:38 Speaker 04 Yeah.
40:39 Caleb Hammer? Jeez, why the are people there?
40:42 Speaker 03 Oil field?
40:43 Speaker 04 Yeah.
40:43 Speaker 03 It's a big oil field.
40:44 Caleb Hammer? Why don't you work in oil? That's money, man.
40:46 Speaker 04 I uh, I've got too many family members that are in their 30s, 40s that are already feeling like their 70s.
40:51 Caleb Hammer? Okay, but what temporarily?
40:54 Speaker 04 I've considered it.
40:54 Caleb Hammer? Grind it out, right?
40:55 Speaker 04 I've considered it, but saying it's too dangerous.
40:58 Caleb Hammer? Anywhere.
40:59 Speaker 03 Yeah, he's already put so much time and effort.
41:02 Caleb Hammer? Yeah. Oh my gosh, where's the anything?
41:04 Speaker 04 So Albuquerque from us, like the big capital. And I don't even want to live over there. It's about five hours. Yeah.
41:10 Speaker 03 There's Lubbock, Texas, that's like two hours away.
41:13 Caleb Hammer? Oh my gosh, guys.
41:15 Speaker 04 But Texas is worse for security. So security where I'm at.
41:19 Speaker 01 Purchase new carpet from The Home Depot and get it installed for free right now. Shop the stylish choices and simple pricing of carpet from Home Decorator's Collection, Traffic Master, or Life Proof with Pet Proof Technology. And see for yourself why nobody beats our prices. Enjoy new carpet with free installation right now at The Home Depot. Offer valid October 15th through November 1st, 2026. Exclusions apply. For licenses, see homedepot.com/license numbers.
41:50 Speaker 04 Is uh.
41:50 Caleb Hammer? Yeah, you're making no money, dude.
41:52 Speaker 04 Uh. But uh, I, I guess at one point, we, we were almost set financially free. So we'd bought our house and we considered, uh, we bought our house. There was a beauty parlor next door. They sold out, sold away and because now that.
42:09 Caleb Hammer? Mixed use?
42:11 Speaker 04 Yeah. So now that it's, well, no, no, no, no.
42:13 Caleb Hammer? Neighborhood in Roswell?
42:15 Speaker 03 I mean, it's kind, we were kind of in the middle.
42:17 Caleb Hammer? Moving to Roswell, New Mexico.
42:20 Speaker 04 Oh, like zoning? Yeah. Zoning is just whatever you want to put there.
42:23 Speaker 03 Yeah.
42:24 Caleb Hammer? Love it. That's how it should be. Let the market decide.
42:26 Speaker 03 Yeah. Um, but we were living at the house we bought for a few years. Um, we ended up moving back into, uh, his childhood home because we wanted more space for our child to grow in.
42:39 Caleb Hammer? How much space was the other home?
42:40 Speaker 04 So our current home is seven.
42:43 Speaker 03 Eight hundred and forty square foot.
42:45 Speaker 04 And we're moving into roughly twenty two hundred.
42:47 Caleb Hammer? That's fine for a two-year-old. Too bad. Come on. Come on. You want more space.
42:52 Speaker 03 Yeah.
42:53 Caleb Hammer? You, you.
42:54 Speaker 03 Yeah.
42:55 Caleb Hammer? Not for the kid. You.
42:56 Speaker 03 Okay. The kid as well.
42:57 Caleb Hammer? People live in that. You know how many fa- generational? We live in the largest homes ever in human history. What do you think human hand, humanity's done for hundreds of thousands of years? Shut the [bleep]. Come on.
43:11 Speaker 03 That house is also old.
43:13 Speaker 04 The house is old.
43:13 Speaker 03 So it's like really.
43:15 Caleb Hammer? Old doesn't mean anything if it's okay.
43:17 Speaker 03 Well, I don't know.
43:18 Caleb Hammer? I'm assuming it's not good.
43:19 Speaker 03 Sneaking suspicion that there's probably a mold.
43:21 Caleb Hammer? Oh, good. Sneaking suspicion. That's, well, let's pack up and leave.
43:26 Speaker 03 Yeah.
43:26 Caleb Hammer? How would you get it confirmed?
43:28 Speaker 03 Well.
43:29 Caleb Hammer? Oh, yeah. No, you just want a bigger space. Shut up.
43:32 Speaker 03 Yeah, but.
43:33 Caleb Hammer? That's all it is. Well, I thought he was the one that was financially stupid and you're out there advocating for.
43:37 Speaker 03 Agreed with me.
43:38 Caleb Hammer? Advocating.
43:38 Speaker 03 No, because we moved into his childhood home, which was free of rent. So it was rent free. Yeah, we were going to.
43:45 Speaker 04 That was the plan. I'll, I'll explain this one a little bit easier.
43:47 Caleb Hammer? Aye, aye, aye.
43:48 Speaker 04 We were planning on selling our current home, the [bleep] dispensary next door to us that moved in. That's why we moved away specifically. We don't want our son next door to that because you could smell the [bleep] constantly. Like, it's not something we want to raise our son around. Not, not something we're interested in. So, uh, we lived in my childhood home for three, four months and.
44:09 Caleb Hammer? That's not next to the [bleep].
44:11 Speaker 04 No, it's not next to [bleep] out in the county.
44:12 Caleb Hammer? The other ones next to the [bleep].
44:13 Speaker 04 That's where I grew up.
44:14 Speaker 03 Street.
44:15 Speaker 04 Family Street.
44:16 Caleb Hammer? Keep going.
44:16 Speaker 04 And, uh.
44:19 Speaker 04 Things were great. We actually got a cash offer from the guy who owned the dispensary to buy our lot out just so we could expand.
44:24 Caleb Hammer? How much?
44:25 Speaker 04 A hundred thousand.
44:26 Caleb Hammer? Oh, razzle. Beautiful. Keep going.
44:29 Speaker 04 But that was that was fair. It would have paid off our mortgage, would have paid off all our credit card debt and given us a little, a few thousand to just throw away into an account.
44:37 Caleb Hammer? Sure, you would have gone back into debt, but yeah, go ahead. Keep going.
44:39 Speaker 04 Yeah, hypothetically.
44:42 Caleb Hammer? You would have.
44:44 Speaker 01 Purchase new carpet from The Home Depot and get it installed for free right now. Shop the stylish choices and simple pricing of carpet from Home Decorator's Collection, Traffic Master, or Life Proof with Pet Proof Technology, and see for yourself why nobody beats our prices. Enjoy new carpet with free installation right now at The Home Depot. Offer valid October 15 through November 1, 2026. Exclusions apply. For licenses, see homedepot.com/license.
45:15 Speaker 04 Your opinion, but.
45:16 Caleb Hammer? Buddy, I've seen what you did with your 401K. You're talking about?
45:21 Speaker 04 I mean, you never know how things can change with situations, but we lived there for a few months. And my uncle was like, hey, your cousin's gonna move in next door because he's bad financially with money and he's gonna buy a double wide, move into the lot next door to you.
45:38 Caleb Hammer? Okay.
45:38 Speaker 04 It was all owned, this big lot was owned by just him and it wasn't sectioned off into different plots. Because of a zoning restriction, they had to now kick us out. So he said, hey, you got 30 days to get out.
45:58 Speaker 03 Okay, like two weeks.
46:00 Speaker 04 And we explained very, very fast, hey, we are about to close on the sale of this house. We cannot. And at this time, we'd already put.
46:07 Caleb Hammer? Move into an apartment, I don't know.
46:08 Speaker 04 It's not viable. Apartments are way too expensive.
46:12 Caleb Hammer? Rent the house, perhaps?
46:14 Speaker 04 It's still expensive.
46:15 Caleb Hammer? It is. And I'm talking a temporary thing.
46:17 Speaker 04 I don't know if we could have afforded it financially.
46:19 Caleb Hammer? Okay, okay, keep going.
46:20 Speaker 04 But.
46:23 Speaker 04 We got told four weeks to move out. We said, we can't do that. Not possible.
46:29 Caleb Hammer? Okay, I don't think it's your choice, but yeah, keep going.
46:32 Speaker 04 But uh, then at the end of the three weeks, and this isn't a legal notice, they just sent us a text saying, hey, four weeks, get out. Even though the house was in my name, pretty much. Well, trailer, trailer, not the land.
46:45 Speaker 03 It was in his mom's name.
46:46 Caleb Hammer? Well, the trailer means nothing. It's the land. Okay. What, what, what, what happened? What are you talking about?
46:51 Speaker 04 So we got kicked out and we were homeless for a little bit.
46:54 Caleb Hammer? Homeless?
46:55 Speaker 04 We, we had to crash with her mom.
46:57 Caleb Hammer? But you did not, oh, okay. So you didn't, okay, come on. And you didn't sell the house?
47:02 Speaker 03 No, we had to move back in there.
47:04 Caleb Hammer? So you're next to a dispensary right now?
47:05 Speaker 04 Yes.
47:06 Speaker 03 Yes. We're back where we started, but we were putting on that card on the Home Depot. We were also renovating our house and then his old trailer home.
47:15 Caleb Hammer? Renovating a trailer?
47:17 Speaker 04 Yeah, it was.
47:18 Speaker 03 Borrowed a bunch of paint to paint the place.
47:20 Caleb Hammer? So you're almost financially secure.
47:24 Caleb Hammer? And speaking of financial security, we are over the limit by $762 on the Home Depot card.
47:28 Speaker 03 Yeah.
47:29 Caleb Hammer? Q, what are we talking about here? All to renovate a trailer?
47:33 Speaker 03 Yeah, that got taken away from us. Um, but well, we don't live there anymore.
47:37 Speaker 04 Yeah, they, they totally, we lost all that money.
47:40 Caleb Hammer? Why didn't you move it?
47:42 Speaker 04 We weren't able to. They, they gave us no choice.
47:44 Speaker 03 It was his mom's trailer, so she ended up selling it to her, his uncle, so she didn't have to deal with it.
47:52 Caleb Hammer? Oh.
47:52 Speaker 04 Yeah, but it was, it was a situation where there was like.
47:54 Caleb Hammer? How would you put money into someone else's trailer?
47:56 Speaker 04 Because it was supposed to come to us. There was a.
47:59 Caleb Hammer? Well, wait until it does, big guy.
48:00 Speaker 04 There was a condition in the will that we're supposed to be able to live on that land for as long as we're living there. And then they cut off the sewage and water to that trailer. So we had to move.
48:09 Caleb Hammer? Okay.
48:10 Speaker 04 Unlivable for us.
48:11 Caleb Hammer? Oh, wow. You sent a settlement letter to your uncle over the trouble and he sent you a cease and desist?
48:15 Speaker 04 Yeah, he sent a cease and desist and.
48:17 Caleb Hammer? Oh my gosh. So not only is your family dynamic, your entire family dynamic.
48:21 Speaker 04 I blew up, I blew up that entire half of the family and I don't regret it because they've, they've been terrible the entire time. Hell, my aunt tried to pick a fight with her over it.
48:30 Speaker 03 Oh yeah. Um, but that's not why we sent the settlement letter. It's because we had left some of our stuff there. And um, they ended up taking a bunch of his stuff after telling us to move it out after a certain time. But it wasn't that time yet. And they ended up moving it early. So he ended up calling the sheriffs on them, um, saying like, hey, they stole my
48:53 Caleb Hammer? So messy. Okay, I want to go back to this Home Depot. So this is all renovationable?
48:59 Speaker 03 And basically, or tools.
49:01 Caleb Hammer? $201 minimum payment tools, few tools, why? How long does this take to pay off if you only do minimums? What's the Only do minimums and you don't purchase, which I know you'll purchase. Balance is $6,662.45.
49:18 Caleb Hammer? Eight years.
49:19 Speaker 03 Probably like 22.
49:21 Caleb Hammer? 21.
49:25 Caleb Hammer? Mid 40s.
49:30 Caleb Hammer? Yeah, just for the renovation on trailer that wasn't even yours. Right. Yeah, a thousand dollars this year. So far in interest, that means this is gonna be like a 3,000. No, $1,300. It's gonna be like a two, hmm. It's gonna be like almost $3,000 by year end. And interest gone. Dude, that's a month of your income working out 80 hours a week is gone to one card. One. Yeah, the interest rates are insane. The balances are insane. You have fees. Uh, I think we've had two late fees this year. So we're late on these. You're bad?
50:06 Speaker 03 Yeah, because I'm the one
50:07 Caleb Hammer? You managing the finances? Then if you can't pay your
50:09 Speaker 03 Because you know
50:10 Caleb Hammer? You have nothing but time.
50:12 Speaker 03 Well, no, not necessarily. I forget sometimes, or he doesn't give me, or we're behind, so we don't have the money at that time to pay.
50:20 Caleb Hammer? Why are we spending $800 going out to eat?
50:23 Speaker 04 I didn't know those were ever late. That wasn't ever a conversation.
50:25 Caleb Hammer? Why would you never tell him?
50:28 Speaker 03 I don't know. He does ask.
50:30 Caleb Hammer? Nah, that's not how that works.
50:32 Speaker 03 Whoa.
50:33 Caleb Hammer? What the? If I sit and sulk on something that, you know.
50:38 Speaker 04 I work, so I feel like.
50:40 Caleb Hammer? I should just never tell my girlfriend unless she asks? I should just sit there and pout?
50:44 Speaker 03 No.
50:45 Caleb Hammer? What are you talking about? What an immature way to live.
50:48 Speaker 03 Uh huh. Um, in my defense, I feel like he just wouldn't care.
50:53 Speaker 04 Of course.
50:54 Speaker 03 I get an oopsies, like, you know, my bad.
50:57 Caleb Hammer? Would he care or is he changing his tune on the show like you said earlier?
51:00 Speaker 03 I don't. He probably would, but I feel like it'd be like a, oh, okay, that's okay. Like, we'll try better next month.
51:08 Speaker 04 Well, yeah, of course I'm gonna try and give you positive reinforcement.
51:11 Speaker 03 So I already know the positive reinforcement.
51:13 Caleb Hammer? What a fucking mess. You can use the FIS card, debit card that builds credit, because you guys can't be trusted with a regular credit card. And I'll get you a course career certification for both of you. If you ever move to society and civilization and want a job that makes money. Maybe you can do something remote, but probably not. I don't know. Okay. Yeah, this is insane.
51:35 Caleb Hammer? A lot of them were 0% interest things. Some, some are still at zero, but they're about the, no, they've ended. So yeah, the end of this month. And in one day? In three days?
51:52 Caleb Hammer? Great. Which means deferred interest of about $400 is about to hit this card.
51:57 Speaker 03 Yep.
51:57 Caleb Hammer? Now you're gonna be over the card by over a thousand dollars.
52:00 Speaker 03 Yep.
52:00 Caleb Hammer? In three days.
52:04 Caleb Hammer? All because we can't communicate, because we're not willing to talk. Because we're not willing to cut back on spending for fast food. Because we're not willing to have a cold deli sandwich for lunch. What are we doing, guys?
52:16 Speaker 03 We are willing to.
52:17 Caleb Hammer? The sacrifices that we need to make to do this. It doesn't sound, but you guys haven't done anything. And every time you have the conversation about you, you guys say you just fight about it. So it doesn't sound like we're willing to, to me.
52:27 Speaker 03 We are willing to. We just need to just get our together.
52:33 Caleb Hammer? How do we do that? You guys can't talk.
52:35 Speaker 04 That's easier said than done. Yeah.
52:38 Speaker 03 That's where I feel like a couples therapist would come in handy.
52:41 Caleb Hammer? I agree.
52:44 Caleb Hammer? So we've talked about couples therapy? Ay, ay, ay.
52:47 Speaker 04 We have. We've communicated about couples therapy and we've talked about it that and I I said I'm open to it. I'm perfectly fine with it, but we need to get into a place where we can financially afford it.
52:56 Caleb Hammer? If we can't talk about, how can we get to a financial place of affordability if we can't talk about our finances and what is required to cut it?
53:03 Speaker 04 That's where we're stuck. That's kind of why we're here. Hopefully to get a budget that we can try to stick to.
53:08 Caleb Hammer? I was being told the family grandma's the worst because grandma's the one who lent them money, you guys money for the house originally at 10,000 dollars. Never paid it back because she died, but the uncle wants the money back and that's why the uncle hates you guys?
53:21 Speaker 04 I feel like he's just upset because he helped us with the house because she helped us with the house because I was always there for her when he wasn't. And so I feel like there was a bit of a, more of a jealousy issue there.
53:30 Speaker 03 She helped us with the down payment to our house.
53:32 Speaker 04 Yeah.
53:33 Caleb Hammer? That's so weird, guys. You guys are so weird.
53:39 Caleb Hammer? Okay, Lowe's, great. Yeah, let's have the other store card. Who's name?
53:42 Speaker 03 Mine.
53:44 Caleb Hammer? Okay, we owe
53:47 Caleb Hammer? $1,348.36. Minimum monthly payment of $28. What's the limit on this guy? Okay, it's close to the limit, very close. Four years to pay this off with the minimum, no purchases. I'm very curious to see you not purchase things. We'll see. You want to sell that house and you'll find a way to spend money on it to renovate it.
54:08 Speaker 04 Well, the card's closed, so.
54:10 Caleb Hammer? Oh, thank, why is the card closed?
54:12 Speaker 03 Um, I missed too many payments.
54:16 Speaker 00 At Edward Jones, we believe rich is more than caring about the latest and greatest. It's also taking care of what gives your life meaning. That's why your dedicated financial advisor meets you where you are with personalized financial strategies that help protect what matters. So you can preserve your progress while creating a path forward. The key to being rich is knowing what counts. Let's find your rich together. Edward Jones. Member SIPC.
54:48 Caleb Hammer? So it wasn't even from you waking up and trying to mature and better yourselves. Because you can't manage credit cards. You just miss payment, miss payment, miss payment. So they're like...
54:56 Speaker 03 There's so many to keep track of.
54:58 Caleb Hammer? Auto draft?
54:59 Speaker 03 Well, we can't auto because then if we don't have enough in the bank account...
55:02 Caleb Hammer? You can pay some... Listen, what's your, what's your earliest date? That a bill, one of the credit card payments is due in a month?
55:09 Speaker 04 The first.
55:10 Caleb Hammer? The first and bring the other ones to the first and then all of a sudden you're up to date? Like whatever one is on the fifth, bring it to the first, pay all of them on the first, pretend like you have to pay on the first, then you'll be fine for the month.
55:22 Speaker 03 Well...
55:22 Caleb Hammer? So you don't have to think of all these extra little dates that are happening.
55:25 Speaker 03 I can't trust him to not spend the money in the bank account.
55:27 Caleb Hammer? Oh, I mean, told you still planning upcoming projects for the house?
55:30 Speaker 04 Yeah.
55:31 Caleb Hammer? Oh, what are we doing? Why?
55:35 Speaker 04 She, uh, she really, really wants...
55:37 Caleb Hammer? I don't give a [bleep]. Go on.
55:39 Speaker 04 She, uh, she wants some things added to the house, like a little front garden area.
55:43 Caleb Hammer? You?
55:44 Speaker 04 Wants a side gate for the house.
55:45 Caleb Hammer? You?
55:46 Speaker 03 It's for our son. So he doesn't run into the street.
55:49 Speaker 04 It's what parenting's for.
55:50 Speaker 03 Yeah.
55:51 Caleb Hammer? The gate?
55:52 Speaker 03 Yeah, we want to build a gate.
55:54 Caleb Hammer? He says that's what parenting's for.
55:57 Caleb Hammer? Yeah, I didn't have a [bleep] gate growing up.
55:59 Speaker 03 Okay.
56:00 Caleb Hammer? Not gonna walk next door and sm- smoke a [bleep].
56:03 Speaker 03 You probably will. I'm joking, but...
56:05 Speaker 04 They'd probably offer it to him.
56:07 Speaker 03 Probably. But there's a bunch of crackheads around, so they just like walk into our backyard too.
56:12 Caleb Hammer? Did you buy that then?
56:13 Speaker 04 It was a, it was a cheap house and it's probably half of what...
56:16 Caleb Hammer? It's usually cheap for a reason.
56:17 Speaker 03 Yeah.
56:18 Speaker 04 It's fair.
56:19 Caleb Hammer? Okay. What else?
56:22 Speaker 00 At Edward Jones, we believe rich is more than caring about the latest and greatest. It's also taking care of what gives your life meaning. That's why your dedicated financial advisor meets you where you are with personalized financial strategies that help protect what matters. So you can preserve your progress while creating a path forward. The key to being rich is knowing what counts. Let's find your rich together. Edward Jones. Member SIPC.
56:53 Speaker 03 That's about it.
56:55 Speaker 04 I think I wanted to build a shed in the backyard because we have too much for hell.
56:58 Caleb Hammer? Oh, fuck off, guys. We are not spending money on this crap. The gate I can almost get behind. Garden, fuck you. Shed, fuck you. And I know you probably want to install a glory hole too. Fuck you. Listen, it's, we can't spend this money. We don't have this money. You've maxed out all these cards on projects. We do not get more projects. You have no money. You have closed accounts because you're not making your payments because you have no money. There's no money to do this. Why do you get to prioritize your wants instead of getting your household under control for the sake of your fucking kid's future?
57:32 Speaker 03 Well, it's not like I can't anyway because
57:34 Caleb Hammer? Why?
57:35 Speaker 03 Because the credit cards are over limit.
57:37 Caleb Hammer? So give up?
57:39 Speaker 03 I mean, no.
57:40 Caleb Hammer? So give up? Pay them off?
57:42 Speaker 03 Yeah.
57:42 Caleb Hammer? Honestly, you're doing that when you're doing projects with money you don't have. So what are you talking about?
57:48 Speaker 03 Well, we can't anymore. So now we can
57:50 Caleb Hammer? What? No, there's three scheduled products, you little tit.
57:53 Speaker 03 Yeah.
57:54 Caleb Hammer? You know, you can also
57:55 Speaker 03 Put that in the background.
57:55 Caleb Hammer? You could pay them off, by the way, if you let grandma of the grandbaby watch the kid twice a week. You do three, she does two, you work part time.
58:09 Speaker 03 If I work part time, it's just gonna mess us up even more because right now we're on we're on assistance. So then the assistance will be taken.
58:17 Caleb Hammer? Here we go. Oh, I'm so glad we've set up systems where people aren't willing to work because then they'll lose money from the taxpayer. Great. Assistance should be taken away. If you're able to work, fuck your assistants.
58:28 Speaker 03 Well, but then I'd have to work full time and then that's more time away from my baby.
58:34 Caleb Hammer? Grandma's there, you have to support. You will spend so much time with the kid. What do you guys get in assistance on a monthly basis?
58:40 Speaker 04 Uh, roughly 372 in SNAP benefits.
58:43 Caleb Hammer? What? You'll make so much more. What?
58:47 Caleb Hammer? What's the minimum wage in New Mexico?
58:48 Speaker 04 Uh, I believe it's
58:50 Speaker 03 Minimum wage is 12.
58:53 Speaker 03 But then I also, we also have insurance.
58:57 Caleb Hammer? Huh?
58:57 Speaker 03 Insurance.
58:58 Caleb Hammer? Uh.
58:59 Speaker 03 We can't afford to buy insurance.
59:02 Caleb Hammer? Yeah, what's the insurance through your work situation?
59:04 Speaker 04 Uh, I could get it, but it's real expensive.
59:06 Caleb Hammer? What's your, what, what would it be monthly?
59:08 Speaker 04 Uh, for all three of us, I think it's like 700 a month.
59:12 Caleb Hammer? Yeah, now you'd still be in a subsidized situation, I'll be honest, like, yeah, you might have to spend a little on healthcare, but you'd still get dramatically subsidized at your guys' income situation. Cause I'm saying, work 20 hours a week, you'll bring in an extra thousand hours a month. That makes up for the SNAP benefits times two. The healthcare situation, yes, you might have to spend maybe a hundred or two, but you'll get subsidized.
59:31 Caleb Hammer? You get an Affordable Care Act plan.
59:33 Speaker 03 We've looked into it and like, I just can't figure it out. Like, it just seems like it's too much. No.
59:43 Caleb Hammer? Big guy.
59:44 Speaker 04 I think she, she talked about this.
59:44 Caleb Hammer? Listen, I went through the process for one person once and it took me about five minutes. It's not hard.
59:50 Speaker 03 That's why I've looked into it already and I just see.
59:52 Caleb Hammer? Looked into it, it's five minutes.
59:54 Speaker 03 Yeah, I've done the work.
59:54 Caleb Hammer? What more looking do you have to do?
59:56 Speaker 03 None, because I know it's not gonna work out for us.
59:58 Caleb Hammer? That's not true. I know your guys' income.
1:00:02 Speaker 03 I don't know.
1:00:03 Caleb Hammer? Also, we give up and we just milk the taxpayer. I'm sorry, that doesn't make sense.
1:00:07 Speaker 03 Well, until my son goes into school, you know? And then I'll go into work whenever he goes to school.
1:00:12 Caleb Hammer? This doesn't make sense, when you could go work part-time, you're choosing not to. You have a beautiful situation where you have a close family that can watch your kid a couple of times a week.
1:00:22 Speaker 03 He won't let me work.
1:00:23 Caleb Hammer? You won't let her do it a couple of times a week?
1:00:25 Speaker 04 It's not that I won't let her, it's that we have to have a, we have to have a reasonable, we have to have a reasonable plan. That's all I want. I want a reasonable plan where we can figure it out reasonably.
1:00:34 Caleb Hammer? Okay, work Monday, Wednesday, Tuesday. Have, and then you're with the kid four days a week, three days a week, uh, as a grandparents. You'll be very much raising the kid. We've, we all went through this. Come on, do not pretend like this is something special.
1:00:47 Speaker 04 And I will, I will have to fend her because most jobs won't hire for that.
1:00:52 Caleb Hammer? I know Roswell's a very interesting situation. I don't know the market as well there, but, I mean, you might just have to go work at the dispensary. You might have, I'm kidding.
1:01:00 Speaker 04 She won't, she won't.
1:01:01 Caleb Hammer? I'm kidding, I'm kidding. But whatever you can pick up, even with the call center online.
1:01:07 Speaker 03 The, I can't find any, like, maybe.
1:01:09 Caleb Hammer? Come on, what, you took a look for that one again?
1:01:11 Speaker 03 Yeah.
1:01:11 Caleb Hammer? You took a look as, I don't believe you about anything, no offense. I know you could work if you wanted to. It won't be perfect.
1:01:17 Speaker 03 Yeah.
1:01:19 Caleb Hammer? Watch some other kids. Bring kids over. Double up. Why?
1:01:25 Speaker 03 I don't want to watch anyone else.
1:01:26 Caleb Hammer? Well, I need you to make money. I need you to make money, dude.
1:01:32 Speaker 03 You hear that?
1:01:33 Caleb Hammer? Snap benefits are changing. Snap benefits are changing with the new bill that was signed into law.
1:01:40 Speaker 04 No idea.
1:01:40 Caleb Hammer? How does it impact you guys? Do you know?
1:01:42 Speaker 04 I've got no clue.
1:01:43 Caleb Hammer? It adds work requirements. Hmm. No, but I think it's for households with kids under, uh, over five, maybe.
1:01:51 Speaker 03 Yeah.
1:01:51 Caleb Hammer? Well, let's confirm that, but things might be changing. I'll take a look.
1:01:57 Caleb Hammer? Cause this makes no offense. I mean, here's the thing. Okay. Uh, Snap is there to support you because you're low income. You have a kid. Fine. I vibe with that in general, but here's the reality. You then go do a garden in a gate, in a shed, meaning in reality, with how money is being transferred through. Thus, us, the taxpayers are paying for your garden. Because you're using the money that would go to groceries if Snap wasn't covering it to pay for a fucking garden that you want to do.
1:02:24 Speaker 03 But I don't have a garden.
1:02:25 Caleb Hammer? We are paying for your $800 going out to eat. We're paying $500 for that. That is how that math works and that is disgusting.
1:02:37 Caleb Hammer? Disgusting.
1:02:38 Speaker 04 I can agree with that.
1:02:40 Caleb Hammer? So premium tax credits, also known as the subsidies in the Affordable Care Act. Especially adjusted with the American Rescue Plan 2021. There's no upper income temporary move to through 2025. So only through the end of this year, there is no upper income limit. But your second lowest cost silver plan benchmark exceeds 8.5% of your household's modified adjusted income. You guys won't be on Medicaid through New Mexico, but you'll be a hundred percent on a subsidized Affordable Health Care Act plan.
1:03:11 Speaker 03 But how much would that be?
1:03:13 Caleb Hammer? You will still make more working part-time. 20 hours a week. You will.
1:03:17 Speaker 03 Then I can look into it.
1:03:18 Caleb Hammer? Make that much plus you'll get a child tax credit regardless. And you guys don't pay taxes.
1:03:24 Speaker 03 So we can't wait till he like goes into school?
1:03:27 Caleb Hammer? Three years, three years until we conquer any of our finances.
1:03:30 Speaker 03 Like two?
1:03:31 Caleb Hammer? Come on. Two years until we, you're gonna just let this sit? Cause you're not paying it off with this.
1:03:37 Speaker 03 Yeah, I know.
1:03:39 Caleb Hammer? You're gonna go spend food that's subsidized by the taxpayer?
1:03:43 Caleb Hammer? Going out to eat so that we give you SNAP just so you don't have to work?
1:03:47 Speaker 03 It's, I'm still taking care of my son.
1:03:49 Caleb Hammer? I know, but you're acting like no one else does this and you're in a blessed situation where you get to honestly probably stay home four days a week if you want to do and work three. Come on. That is so blessed compared to what an average household gets to do these days.
1:04:03 Speaker 04 I will actually argue with you here, Caleb. I do want her to be able to stay home with her son.
1:04:08 Caleb Hammer? Every day. You're not willing to give up two days a week?
1:04:12 Speaker 04 I'm not saying-
1:04:12 Caleb Hammer? Three days a week?
1:04:14 Speaker 04 If she could find something remote, that'd be fine because at least then-
1:04:18 Caleb Hammer? But come on, two days, Monday, Tuesday. She can't go work?
1:04:22 Speaker 04 I'm not saying it's not a possibility. I'm saying we need to have something-
1:04:25 Caleb Hammer? Or you want the debt to sit and then have the child grow up in a financially stressful household, which is going to be much more traumatic than being seen grandma two times a week. Oh no, poor kid.
1:04:36 Speaker 04 I can't actually argue with that a lot.
1:04:38 Caleb Hammer? No, you can't because anything else besides that would be from the most extreme level.
1:04:44 Caleb Hammer? Oh, yeah. Yeah, let's not go work a part-time job when we have credit one. Literally the worst of the worst credit cards that you can possibly get. Meaning you're the definition of a just worse, worse, bottom of the barrel financial situation, disgusting situation. Credit one, who's?
1:04:59 Speaker 04 That'd be mine.
1:05:01 Caleb Hammer? But I won't let her work.
1:05:04 Speaker 00 At Edward Jones, we believe rich is more than caring about the latest and greatest. It's also taking care of what gives your life meaning. That's why your dedicated financial advisor meets you where you are with personalized financial strategies that help protect what matters so you can preserve your progress while creating a path forward. The key to being rich is knowing what counts. Let's find your rich together. Edward Jones. Member SIPC.
1:05:36 Caleb Hammer? Oh, it's at the credit limit. Who would have thought? Oh, no, it's not. It's over. It's over the credit limit. Oh, God, I'm glad we're purchasing when we're going over the credit limit, you dumb tit. Did you know this was over the credit limit? What the is wrong with you?
1:05:47 Speaker 04 I did tell her it was over the credit limit. If she listens or not, that's up to her.
1:05:52 Speaker 03 I can say the same about you.
1:05:55 Caleb Hammer? Why don't you guys listen to each other?
1:05:57 Speaker 04 I try to.
1:05:58 Speaker 03 I feel like we bicker a lot, so we just kind of...
1:06:01 Caleb Hammer? But you didn't listen to one thing she said in this conversation earlier. That was on camera. But go on, go on. What were you saying? Rose or Crystal? What do we call Crystal? Whatever stripper name?
1:06:10 Speaker 03 We bicker a lot, so I feel like we just automatically like tone each other out.
1:06:16 Caleb Hammer? Right.
1:06:18 Speaker 04 I feel like that's a herd of things. She likes, uh, she can just turn off noises in her head if she doesn't like them.
1:06:23 Caleb Hammer? Buddy, there was a part in this conversation where you said you tuned her out.
1:06:27 Speaker 04 I didn't necessarily tune her out. If you listen back to the footage, I would say that I kind of got lost in the conversation. I kind of just lost where we were.
1:06:36 Speaker 04 I don't even know what she just said. I, I, I feel like...
1:06:39 Caleb Hammer? You don't listen to her?
1:06:39 Speaker 04 Of course I listened to her. I just, I feel like I kind of trailed off.
1:06:43 Caleb Hammer? You dumb?
1:06:44 Speaker 04 A little bit. I can just turn wrenches. That's about all I'm...
1:06:47 Caleb Hammer? Yeah, and you should turn wrenches in the oil field for a couple of years. A couple of years. Couple of years. She doesn't have to get... Juice, does she, does she work outside of the house? Or do you go a couple of years in the oil field?
1:06:58 Speaker 03 I've told him to get a better job, like a higher paying job.
1:07:01 Caleb Hammer? Yeah, but oil might be the only option in Roswell, where it's like, just, there's not many opportunities.
1:07:05 Speaker 04 That's about right. Uh, I've tried to go through, uh, the sheriff's department. It's just a matter of a fitness exam. But everything else is, uh, everything else I'm there for. I have, I have all my certifications for all of that stuff.
1:07:17 Caleb Hammer? Hi, listen here, financial audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers in the resources section in the description below. The first one, I've moved my investments to Weebel. Do the same and transfer to my investing app of choice and you get cash bonuses of $200 all the way up to $30,000 depending on initial funding amount and up to 8.1%. APY on your money and up to 3.5 matches for your IRA. And then number two, a great new checking account that I've switched over from SoFi and it's called Chime.
1:07:57 Caleb Hammer? Get that $550 bonus when you sign up with direct deposit and get almost 4% on your money just sitting there. And then three, automate your investing with Acorns. Usually sign up incentives are only five bucks, but you get $20 with my link. Number four, you can increase your income and boost your resume with a course career certification. Five, if T-Mobile is good in your area, switch to Helium and get a literal $0 a month phone plan for the same exact service. But most importantly, go get your free Hammer financial score and see where you stand in the world of finances. Take the assessment at CalebHammer.com. You will not regret any of these change your life today. A. Oil.
1:08:42 Caleb Hammer? Oil.
1:08:43 Speaker 03 Yeah.
1:08:44 Speaker 04 American dream.
1:08:46 Caleb Hammer? Two years, pay down the debt to get to a more financially secure position, maybe get a different house and then figure out career opportunities after that. And I know you're a wannabe mall cop right now, so maybe you can become a cop. Sure, but.
1:09:01 Speaker 03 That's what he's aiming towards. Like, that's his goal, so.
1:09:04 Speaker 04 It's a related field, so it's.
1:09:05 Caleb Hammer? Oh, got a late fee as well. That's what I want. My public safety officers around me pulling me over who has access to a gun stressed about their finances at home. Having late fees and a wife that bickers at them thinking they're cheating every moment they step outside. That's what I want when someone has a gun in a stressful situation.
1:09:26 Caleb Hammer? Oh, good. We also got McDonald's and Lunas at Home Depot.
1:09:31 Caleb Hammer? Wonderful.
1:09:34 Caleb Hammer? Fantastic. $59 minimum payment. That's incredible. At a 30% interest rate.
1:09:42 Speaker 03 Where's the Home Depot?
1:09:43 Caleb Hammer? Yeah, where's the Home Depot?
1:09:45 Speaker 04 The Home Depot would have been for the, I forget what it was, but it was something to fix the house with.
1:09:52 Speaker 03 Uh, makes sense, but I would have thought he had the money to pay it outright.
1:09:59 Caleb Hammer? What do you think was spent last month?
1:10:01 Speaker 04 What do I think was spent last month? Most likely...
1:10:05 Speaker 04 Can I have a number of what I brought in?
1:10:07 Caleb Hammer? Yes.
1:10:10 Caleb Hammer? So payroll was 1,400, ATM deposit, I don't know where it came from, so cash, 864.
1:10:17 Speaker 04 Alright.
1:10:18 Caleb Hammer? And then Cash App was transferred in of 1,000. So what is that? Almost three?
1:10:25 Speaker 04 Okay, so if...
1:10:25 Caleb Hammer? I'm not considering your Dave Cash advance, can't wait for that.
1:10:30 Speaker 04 So...
1:10:30 Caleb Hammer? That doesn't count as income.
1:10:31 Speaker 04 That, uh, that income from Cash App, I'm relatively sure was what I send her to pay bills.
1:10:37 Speaker 03 Yeah.
1:10:38 Caleb Hammer? Okay, so it was from one of the other accounts in general, great. So 2,500, 2,500, cool, what was spent?
1:10:44 Speaker 04 Probably 28.
1:10:48 Speaker 03 Um, probably like three.
1:10:49 Caleb Hammer? Yeah, you run the household finances, so you think you would have the cash to then just pay for it and not put it on credit one? Also, 6,291 dollars, you guys, you don't know what's going on. Okay, who's the second credit one?
1:11:00 Speaker 04 That'd be me as well.
1:11:02 Caleb Hammer? Okay, did you guys fly here?
1:11:04 Speaker 03 No, we drove.
1:11:05 Caleb Hammer? Yeah, I was gonna say, my goodness, is there an airport near?
1:11:09 Speaker 04 Uh, yeah, there's an airport there.
1:11:10 Caleb Hammer? That goes places?
1:11:11 Speaker 04 Uh, it goes to Dallas.
1:11:14 Caleb Hammer? Okay, 291 dollars and 38 cents. Yeah, 300 dollar limit, so we're there. Fees. Oh, the last one was late, by the way. Alright, I forgot to even say that. 283 dollars of purchases, brought us all the way up, interest will start accruing, 30 dollar minimum payment, what are we getting? Oh, I'll tell ya.
1:11:35 Caleb Hammer? McDonald's, all subs, Alachin, eBay, Underground Coffee, McDonald's, Hangrywagon, eBay, HTO, gamer stuffs again, and then only to a gay model.
1:11:55 Caleb Hammer? Times three?
1:11:56 Speaker 04 Yeah, sounds about right.
1:11:58 Caleb Hammer? That's one of the lie. Except that's probably the blacked out items. Okay, what the fuck are we doing? That is just a disgusting amount of spending on bull when we don't have money and we're sometimes, we're almost late on mortgage and we're late on every other credit card. What are you doing, dude? What a joke.
1:12:12 Speaker 04 If I have an available budget, typically if I get extremely hungry at work.
1:12:17 Caleb Hammer? Available budget, you mean available spending?
1:12:20 Speaker 04 Yeah, that's about right.
1:12:21 Caleb Hammer? On a credit card?
1:12:21 Speaker 04 Yes, sir.
1:12:22 Caleb Hammer? Okay, then close all your credit cards. You are not a credit card person. You cannot manage credit cards to save your life. If you have debt to spend, you will spend it on McDonald's and gamer subs.
1:12:33 Speaker 03 His, uh, he opened those cards and he told me he opened them to build his credit.
1:12:39 Caleb Hammer? Sure, and that's what everyone says. Okay, now you've close it!
1:12:44 Speaker 04 I'll do my best.
1:12:45 Caleb Hammer? I'll do my best? How do you, how do you do your best to close it? Can, can someone walk me through that?
1:12:50 Speaker 04 I believe you're not able to close it until the account is paid to zero. No?
1:12:54 Caleb Hammer? Typically not.
1:12:55 Speaker 04 Okay, because it was like that for my last concourse.
1:12:57 Caleb Hammer? Well, you'll have to, you have to call and ask. I have to call and ask to close.
1:13:03 Caleb Hammer? Twelve months just to pay that off. Just here, a quick little McDonald's. Takes 12 months to pay off.
1:13:11 Speaker 04 It's food she could have made for me while I was sleeping for work.
1:13:15 Speaker 03 You eat at home.
1:13:18 Speaker 04 They eat at home for an 11 hour shift?
1:13:19 Speaker 03 Okay, you can make yourself something. Why do you have to rely on me so much?
1:13:24 Speaker 04 I'm not asking to rely on you. I'm saying you're home for most of the day. You can at least make me something.
1:13:29 Speaker 03 If you tell me what to make you, I'll make it for you. But I'm not gonna make you something just for you to be like, I don't want that.
1:13:34 Speaker 04 Are you gonna make me something or are you not gonna make me something?
1:13:37 Speaker 03 I'll make you something if you tell me what to make.
1:13:39 Speaker 04 Okay, fantastic.
1:13:42 Caleb Hammer? What do you want her to make?
1:13:44 Speaker 04 It's just a sandwich. Whatever I decide for that day. Whatever we have in the fridge.
1:13:48 Caleb Hammer? It's a little sexist, but.
1:13:49 Speaker 03 Alright, I'll make a sandwich.
1:13:51 Speaker 04 Alright, just don't spit in it, please.
1:13:53 Speaker 03 I will not spit on it.
1:13:56 Caleb Hammer? So you will make a Sammy?
1:13:58 Speaker 03 Yeah, I'll make a sandwich. That's easy.
1:14:00 Caleb Hammer? You will eat the sandwich and not go out?
1:14:02 Speaker 04 Yes.
1:14:03 Caleb Hammer? Why do I believe no one?
1:14:07 Caleb Hammer? Okay, Quicksilver, who is this?
1:14:08 Speaker 03 Uh, mine.
1:14:11 Speaker 03 They used to be a Walmart card that turned into the Quicksilver.
1:14:15 Caleb Hammer? Okay, so we owe $3,822. Guys, the debt on these balances for your income are insane. Insane.
1:14:21 Speaker 04 I think we're like 50%.
1:14:23 Caleb Hammer? This is insane.
1:14:24 Speaker 03 Yeah.
1:14:25 Caleb Hammer? $138 minimum to payment, 18 years to pay this off, $28 to charges, $39 of fees, $98 of interest! Good death! And that's the credit limit, no one's surprised. Little robot whisker, little robot whisker, so we got some cats, great.
1:14:44 Speaker 04 Yeah.
1:14:45 Caleb Hammer? Past due fee, $39, there it is! Oh, not only that, but we've also had multiple this year so far on this card alone. Hey, if you're managing the finances, here's a little hint: manage them!
1:14:58 Speaker 03 I try to.
1:14:59 Caleb Hammer? No, you don't. Fuck you! Anyone that tries is not late, late, late, late, late, late, late, late, late, late, late, late.
1:15:05 Speaker 03 I'm late because...
1:15:06 Caleb Hammer? You're late endlessly!
1:15:07 Speaker 03 Yeah. But it's his fault.
1:15:09 Caleb Hammer? It's your fault?
1:15:09 Speaker 04 Apparently.
1:15:10 Caleb Hammer? Is it your fault?
1:15:11 Speaker 04 I have no clue.
1:15:12 Speaker 03 Because he doesn't give me enough to pay it off.
1:15:14 Caleb Hammer? And why does he give?
1:15:16 Speaker 04 Um, typically...
1:15:16 Caleb Hammer? Why isn't it just going to do a joint account?
1:15:18 Speaker 04 Because she doesn't trust me with the money.
1:15:20 Speaker 03 Because we had a joint account.
1:15:22 Caleb Hammer? No, put it in the joint account and then allocate into a separate account for him to spend. Even though you don't have spending money.
1:15:27 Speaker 03 We don't have spending money, so you just take spending money.
1:15:29 Caleb Hammer? Exactly, so why are you spending money?
1:15:31 Speaker 04 Because she won't cook for me.
1:15:32 Caleb Hammer? Oh, you guys! Oh, you guys are so lost!
1:15:43 Speaker 04 Take a chill pill.
1:15:44 Caleb Hammer? Fuck you.
1:15:45 Speaker 03 It's okay.
1:15:46 Caleb Hammer? Sniff some poppers.
1:15:52 Caleb Hammer? Discover it. Who's this?
1:15:53 Speaker 03 Mine. That was my first card when I turned 18.
1:15:59 Caleb Hammer? $1,013.33. Oh, it's over the fucking limit. Guys, guys, what is your debt situation for your income?
1:16:09 Speaker 04 I think we're about 50%.
1:16:12 Caleb Hammer? A total debt is 92,364. 50%? That is not 50% of your income.
1:16:17 Speaker 04 No, no, no, 50% of my monthly is going towards the minimum.
1:16:20 Caleb Hammer? Oh, we'll fucking see, dude. Name, yeah, almost six figures of debt.
1:16:24 Speaker 03 Oh, my gosh.
1:16:24 Caleb Hammer? Six figures of debt, making, what, $30,000 a year?
1:16:28 Speaker 03 Oh, but that includes the house.
1:16:30 Caleb Hammer? Yes, it includes the house, but bad debt alone is approximately 16,000? That's insane for your income. I don't think you guys even comprehend. $73 minimum monthly payment on this, four years to pay this off. Oh, good, if it's not a fee! Good death, guys. $22 in interest as well. Are you kidding me? Can we not pay one thing on time? Sick, guys. Yep, there it is, late fee. How many have we had this year so far? Two! Ah, interest $129 this year so far. What are we doing? Manage it. If you're gonna take control, do it. And tell him more money needs to come in.
1:17:09 Speaker 04 Don't throw things at my wife.
1:17:10 Caleb Hammer? Huh?
1:17:11 Speaker 04 Don't throw things at my wife.
1:17:12 Caleb Hammer? I will, and I'll do it again. Yep. Why not bring more in when she said, and don't spend more money when she says, "Do not spend"?
1:17:25 Speaker 04 Can you repeat that?
1:17:26 Caleb Hammer? Oh, he's fucking... Oh, the, the, we're gonna hear about an oilfield explosion and...
1:17:32 Speaker 04 Takes one to know one.
1:17:35 Caleb Hammer? That was about a 30-second delay.
1:17:37 Speaker 04 Yeah. Was it?
1:17:40 Speaker 03 Um, to be fair, those late fees are...
1:17:43 Caleb Hammer? You're gonna be a...
1:17:43 Speaker 03 The same.
1:17:44 Caleb Hammer? You're gonna, to be fair, a late fee.
1:17:45 Speaker 03 Yes, yes, because, listen, um, those late fees that like are on the different cards are usually the same month because that month's stressful.
1:17:55 Caleb Hammer? Oh, because it's...
1:17:56 Speaker 03 Nick, Nick!
1:17:56 Caleb Hammer? Because it was... Oh, you know what? Okay. I, oh, I, I, I excuse it. I excuse it, guys. The month was stressful. I, excuse has been made. You know what? You're right.
1:18:10 Speaker 04 Hell of an excuse.
1:18:10 Speaker 03 Thank you.
1:18:11 Caleb Hammer? Hey, guys, I'm not making payroll this month. It's just been a little stressful.
1:18:15 Speaker 03 Okay.
1:18:20 Caleb Hammer? What are we, oh guys, you weren't...
1:18:25 Caleb Hammer? I think Roswell's like delayed by 10 years when it comes to maturity.
1:18:28 Speaker 04 It's also worse than education.
1:18:31 Caleb Hammer? Is it?
1:18:32 Speaker 04 It's the worst education in the US.
1:18:34 Speaker 03 Our state, yeah.
1:18:35 Caleb Hammer? Yeah, I know, New Mexico's a disaster. Who's the freedom card?
1:18:40 Speaker 03 Mine.
1:18:45 Caleb Hammer? I really wanna make a budget for you guys, and I'm going to, but I'm just wondering, are these payments, is it even possible? We will find out. $459.32. It's the balance with a $40 minimum payment. Oh, good, it's at basically the limit. Oh, good, extra $83 of purchases. What you do? What you do? What did you do?
1:19:04 Speaker 03 Um, it's just mainly like household expenses, like groceries or necessities, like toilet paper, shampoo, stuff like that, diapers.
1:19:14 Caleb Hammer? It was Walmart.
1:19:16 Speaker 03 Yeah.
1:19:17 Caleb Hammer? Hard to see what's at Walmart, but we'll see. Put a [bleep] tip.
1:19:23 Caleb Hammer? No missed payments on that card this year so far, late payments. Okay, who's the Capital One Platinum?
1:19:28 Speaker 03 Mine.
1:19:29 Speaker 04 Well, which one?
1:19:30 Caleb Hammer? You're the collector.
1:19:31 Speaker 03 Because I'm the one with the good credit, yes.
1:19:33 Caleb Hammer? With your credit?
1:19:34 Speaker 03 Um, it's, it's bad now, but it's probably like high 500s, low 600s.
1:19:40 Caleb Hammer? The good credit.
1:19:40 Speaker 03 It used to be good.
1:19:41 Caleb Hammer? $195 of purchases on here, nine months to pay this one off. Minimum payment, $25. Amazon, Walmart, $30 of interest, interest charging this year so far. What is this?
1:19:53 Speaker 03 Um...
1:19:54 Caleb Hammer? I don't think it's Klarna, but it's one of those.
1:19:56 Speaker 03 After pay.
1:19:57 Caleb Hammer? After pay.
1:19:58 Speaker 04 Yes.
1:19:58 Caleb Hammer? Okay.
1:19:59 Speaker 04 That's, that's a firm, so that was...
1:20:01 Caleb Hammer? Oh, a firm, who?
1:20:01 Speaker 04 Yes, those are mine. And those are also all paid off now, uh, due to the, uh, the retirement pool.
1:20:06 Caleb Hammer? Yeah, but what is it now? Because you put it back up.
1:20:09 Speaker 04 Uh, I could look for you real quick.
1:20:10 Caleb Hammer? Yeah, look for me real quick, big guy. Why don't you pull up your Amazon real quick, we're at it.
1:20:14 Speaker 03 I don't think the Amazon charge was mine.
1:20:18 Caleb Hammer? But do you have access to the same Amazon?
1:20:20 Speaker 03 No.
1:20:21 Speaker 04 She could use mine too much.
1:20:22 Caleb Hammer? Separate Amazons.
1:20:23 Speaker 04 Most likely.
1:20:24 Speaker 03 We don't really use Amazon, so I don't know what the Amazon charge was.
1:20:27 Caleb Hammer? Okay, just stop.
1:20:29 Speaker 04 It's a 20103.
1:20:30 Speaker 03 Okay, here.
1:20:31 Caleb Hammer? Give me your phone.
1:20:34 Caleb Hammer? That's a crazy name. I've never seen a name that looks like that. Apple TV Plus. Yeah, we really don't need that. And Apple TV is great.
1:20:42 Speaker 04 So that's all included in my phone plan.
1:20:44 Caleb Hammer? Hey, did you pull it up? You did?
1:20:45 Speaker 04 I did. It's 201.
1:20:47 Caleb Hammer? $201?
1:20:48 Speaker 04 Yes, sir.
1:20:48 Caleb Hammer? What's your monthly?
1:20:50 Speaker 04 Uh, monthly, so two of them are specifically just payoff in 30 days. And that's a total of 150.
1:20:58 Caleb Hammer? A month?
1:20:58 Speaker 04 Uh, no, no, 150 total for the two that I have to pay off. Yeah.
1:21:03 Caleb Hammer? Oh, yeah. You got Satellite Safe, Walmart ZZ Performance, and you paid it off our, we paid off our firm with a 401K.
1:21:15 Caleb Hammer? Klarna. What are we doing? Who's Klarna?
1:21:17 Speaker 04 That would also be me.
1:21:18 Caleb Hammer? Oh, what are you getting from eBay, big guy?
1:21:20 Speaker 04 Uh, so because I just got recently promoted to that $19 an hour, I needed a laptop to do a lot of, uh...
1:21:27 Caleb Hammer? I thought you were gonna say you celebrated and got dildo of your favorite porn star from eBay.
1:21:32 Speaker 04 No, no. I got a, I got a laptop so I could try to organize everything a little bit better. I'm in charge of all the maintenance and everything for all the vehicles on top of my current position.
1:21:41 Speaker 03 I haven't seen him use that laptop once.
1:21:43 Speaker 04 I use it quite a lot. I do all of my, uh...
1:21:46 Caleb Hammer? Mostly videos in private. That's why you haven't seen.
1:21:49 Speaker 03 Probably, no.
1:21:51 Caleb Hammer? He's watching some Kyler Moss. Am I right? Am I right, Colton? Am I right?
1:21:56 Speaker 04 I'll ask you for recommendations later.
1:21:59 Speaker 05 Denial is a river in Egypt. Your husband is gay.
1:22:08 Caleb Hammer? Okay, so eBay... You eBayed a $200 laptop? Like, what the fuck even is that?
1:22:13 Speaker 04 Um, what is the laptop?
1:22:15 Caleb Hammer? Yeah.
1:22:16 Speaker 04 Um, it's a really nice, uh, what brand is it again?
1:22:20 Speaker 03 I don't know.
1:22:21 Speaker 04 Uh, MSI. It's a really nice MSI laptop.
1:22:26 Caleb Hammer? Okay. Good luck. Dave, we're cash advancing endlessly on Dave. What do we use Dave for? Henry Wagon, All Subs Wendy's, McDonald's, Wingstop, Vending Machine. All Subs Taco, Fellow, Wiener's, Shitso McDonald's, Swift Stop, Get It's a Bolt. All Subs Burger King, McDonald's, Arby's. Arby's, we're pay advancing for Arby's. And we know you love the meats. We've established that. All Subs 28 Snowcoat, Dornash Basket, Robbins, Luda's Esperanza. All Subs? All Subs? What is All Subs?
1:23:09 Speaker 04 Uh, All Subs is a gas station. It's a convenience store.
1:23:11 Caleb Hammer? Okay, you're going in and getting some bull, because it's like two dollars. So you're going in and getting your little monster, whatever you.
1:23:16 Speaker 04 Exactly what it is.
1:23:17 Caleb Hammer? I know, I read you. Blake's Lot of Burger. What are we doing with fucking Dave, you f***ed tit? What is on on Dave, you f***ed tit?
1:23:28 Speaker 04 Uh, right now it's 75.
1:23:30 Caleb Hammer? Okay, and I know you have to pay to get it back, but for sake, 75, that's insane. Now I see a second Dave. Oh, it's because we're overdrafted into our accounts. Overdraft, overdraft, overdraft. Ha, ha, ha. Also, we can get some bull. And I saw some gamer subs on there too. Big Penguin Zero fan?
1:23:49 Speaker 04 No, no, no, not personally.
1:23:51 Caleb Hammer? It's like his brand.
1:23:53 Speaker 04 No, it's not. It's Slatsbrand brand.
1:23:56 Caleb Hammer? Another overdraft. Upstart Loan 762, and it's just on a Google Doc? What is this?
1:24:02 Speaker 04 That, that one's for me. Uh, so I had a Concorde card that, uh, had a, had a max out of 800.
1:24:10 Speaker 04 And, uh, they would not let me close it. They refused to close it without paying it off. And it was at a 35% interest plus a monthly.
1:24:15 Caleb Hammer? What's the interest rate on this?
1:24:16 Speaker 04 Uh, zero.
1:24:17 Caleb Hammer? What's the minimum monthly payment? Zero for how long?
1:24:20 Speaker 04 Forever. It's, it's a zero.
1:24:21 Caleb Hammer? Minimum?
1:24:22 Speaker 04 Uh, yeah, it's a minimum of 56. 56 monthly.
1:24:27 Speaker 04 I pulled out 850 and they charged me 874 zero percentage.
1:24:31 Caleb Hammer? So we made it to the mortgage. What a cheap mortgage. Everyone pack up, go to Roswell. This is incredible.
1:24:36 Speaker 04 It's not cheap anymore.
1:24:37 Speaker 03 It's not a great.
1:24:38 Caleb Hammer? Well, it's not cheap anymore to you.
1:24:39 Speaker 04 The mortgage. Well, for here, I suppose it's a lot cheaper.
1:24:44 Caleb Hammer? Anywhere.
1:24:46 Caleb Hammer? Remember the cost of living is literally 25% below the national average. Okay, $76,244.66. Minimum monthly payment of. Get ready for this mortgage minimum monthly payment, everyone.
1:25:00 Caleb Hammer? $640.66.
1:25:03 Speaker 04 And that includes the escrow.
1:25:04 Caleb Hammer? Wild. Oh, I know. 3.25% interest rate. That's great. You guys got to get a time. What's the house worth right now?
1:25:10 Speaker 04 Uh, 135.
1:25:12 Caleb Hammer? Guys. Change your behavior and then sell it and put that down on another house and go work in the oil field. Change your life, get in a better position, get in a better place.
1:25:23 Caleb Hammer? There's so, there's so many opportunities here. If you guys didn't just. Away. $21 in this Cash App Wendy's. Sending it out. Daddy key boutique. You guys are spending so, you guys go to the.
1:25:35 Speaker 03 That was a gift.
1:25:36 Caleb Hammer? Moving, moving. Money. Okay, in this checking account, $24. Started with negative 29.
1:25:43 Speaker 03 Yeah.
1:25:44 Caleb Hammer? So we had all the Dave transfers for the overdrafts. Planet Fitness, but it was bounced. We bounced Planet Fitness.
1:25:52 Speaker 03 I thought he canceled Planet Fitness. And then he didn't.
1:25:56 Caleb Hammer? No, he still wants to cruise in those showers, man.
1:25:58 Speaker 03 He canceled it now. Cause after that, I made him cancel it.
1:26:01 Speaker 04 Yeah, it's been canceled a while. I was aware that I thought I'd canceled it. I did not.
1:26:05 Caleb Hammer? McDonald's, vending machine, Cash App, Cash App, McDonald's, Amazon. Oh, here we go. Domino's, McDonald's.
1:26:14 Caleb Hammer? Got premium pizza, McDonald's, tea, Amazon, McDonald's, Domino's, vending machine, tea, Sonic, McDonald's, Cash App, McDonald's, Cash App, Cash App, PayPal, Cash App, Cash App, tea. Who's going to tea?
1:26:29 Speaker 04 HGO.
1:26:29 Caleb Hammer? I told you, you liked penis.
1:26:35 Caleb Hammer? Kaporos, Whataburger, DoorDash. DoorDash? You fucking DoorDash? Who do you think it was that you could DoorDash? Who the f**k you think you could are that you DoorDash? Cash App, Cash App, Cash App, Cash App, Domino's, Cash App. Ah, ah, Sween's BBQ, Swine's BBQ, Eagle Vending Machine. Going and getting some... Esperanz and me. Bull, bull, bull. What an insane, dumb, stupid... I don't even see it in a savings account. Is there a savings account? I don't f**king know.
1:27:03 Speaker 04 Uh, no, there's not.
1:27:04 Caleb Hammer? No. Alright, well, I'm gonna attempt in every way whatsoever to budget this. Here's the reality, though, while I add up these numbers. This is you guys f**king talking in a healthy way. When's the last time you guys had a healthy financial conversation, please?
1:27:22 Speaker 04 Uh, maybe, maybe yesterday for all of five minutes?
1:27:25 Speaker 03 Yeah.
1:27:26 Caleb Hammer? Tell me what happened in those five minutes.
1:27:28 Speaker 04 Uh, I had to sit down after I walked away and said that I can't do this anymore if we can't sit down and communicate.
1:27:34 Caleb Hammer? I can't do this anymore in terms of like, relationship?
1:27:36 Speaker 04 Yeah, pretty much.
1:27:37 Caleb Hammer? And thoughts? Cause that's brutal to hear.
1:27:40 Speaker 03 Yeah.
1:27:40 Caleb Hammer? Maybe he will go f**k his coworker.
1:27:42 Speaker 03 That's one of... That's one I'm afraid of.
1:27:45 Caleb Hammer? Oh, come on. He'll do that if he leaves.
1:27:47 Speaker 03 Okay.
1:27:48 Caleb Hammer? Are you gonna push him away?
1:27:49 Speaker 03 Well, no.
1:27:50 Caleb Hammer? What did it feel like to hear, "Hey, I'm gonna leave if we don't fix this"?
1:27:53 Speaker 03 Surprising. Because...
1:27:55 Caleb Hammer? Really? After you berate him constantly about sleeping another woman?
1:27:57 Speaker 04 I've constantly tried really hard to stay.
1:27:59 Speaker 03 Saying, "I'll leave."
1:28:01 Caleb Hammer? Huh?
1:28:01 Speaker 03 Usually, it's me saying, "I'll leave."
1:28:02 Caleb Hammer? Great. Wonderful. How do you feel during that?
1:28:04 Speaker 04 Uh, really, really painful. And then whenever she calms down, she immediately goes back on her word and pretends everything's fine like it never existed.
1:28:11 Caleb Hammer? Yeah, don't tell a woman to calm down. What else? What, uh, okay, so you heard he's gonna leave. What? What was your instinct?
1:28:20 Speaker 03 Well, I was like, uh, well, it's basically his fault because if he won't change his behavior, then...
1:28:26 Caleb Hammer? Oh, that's, that's what you wanna tell someone when they say they're gonna leave. It's your fault.
1:28:31 Speaker 03 Yeah.
1:28:32 Caleb Hammer? So why'd you say it was his fault?
1:28:33 Speaker 03 Because he won't change his behavior.
1:28:35 Caleb Hammer? To a certain extent, I do agree, but there is also bullshit reading yours and you're not going and you're not working.
1:28:40 Speaker 03 Yeah.
1:28:40 Caleb Hammer? There's also the fact that, um...
1:28:44 Caleb Hammer? You do not make it a healthy environment for him as well. And it takes two to take a listen. If someone's a breadwinner, that's okay if you want to stay at home and someone's a breadwinner. But you are an equals part of this. And there is a point of like, if the dude comes home after 80 hours a week, he doesn't want to hear, "Hey, why'd you, why, why, why the [__] are you flirting with someone? You're cheating on me again? You're cheating on me again? Oh, my goodness, this spending, all this [__]?" Yes, you need to have the healthy budgetary conversations. But if the dude [__] works nice 80 hours a week, is grinding for barely any money and just comes home to [__], [__], [__] Listen, [__] gonna happen here and there. Tough conversations are gonna happen here and there. But if it is every single moment of every single day, this is not sustainable. And I'm not excusing him going out and copes spending, but I at least understand it because he wants to get the [__] away.
1:29:28 Speaker 03 I mean, that's the issue. Like, it's a constant cycle. Like, he spends, I...
1:29:34 Speaker 04 That's why I say we need to have a financial reset. We need to sit down, reset, and have a plan in place.
1:29:41 Caleb Hammer? Minimum monthly payments without the mortgage, $455. Rent, or, sorry, mortgage, $640.66. Utilities, all combined, plus internet. What's that?
1:29:51 Speaker 03 Oh, probably like 300. Well, yeah, 300.
1:29:55 Caleb Hammer? 300. Phone bill.
1:29:58 Speaker 04 Uh, 187.
1:30:00 Caleb Hammer? If T-Mobile's getting in your area, I'll switch to Healy once these phones are paid off, because that's an insane minimum payment for you guys to have. Gas, a room, room, drive, drive.
1:30:08 Speaker 04 Roughly 150 to 200.
1:30:11 Speaker 03 I'll say 200.
1:30:11 Caleb Hammer? I'll do 200. Car insurance.
1:30:13 Speaker 03 Um, that's 167?
1:30:17 Caleb Hammer? Okay, food, we'll just allocate SNAP to it. Okay, so SNAP goes there, plus I'll give you an extra 200, so I'll put that in there. Okay, 200. TP fund, anything else you need to survive, you and the kids, 200?
1:30:27 Speaker 03 Um, uh, for this, our son and the cats is about 200 every two weeks?
1:30:35 Caleb Hammer? For what?
1:30:36 Speaker 03 Uh, cat food, cat litter, diapers.
1:30:38 Caleb Hammer? Well, yeah, okay, so TP fund, and, okay, so I'll put, for cat food, how much cat food?
1:30:43 Speaker 03 Um, cat food is probably gonna be like, it comes out to like 120.
1:30:49 Caleb Hammer? Okay, so that should cover them.
1:30:50 Speaker 03 For every two weeks.
1:30:51 Caleb Hammer? Medical, healthcare, anything that happens? Every two weeks?
1:30:53 Speaker 03 Yeah.
1:30:54 Caleb Hammer? What's wrong with you?
1:30:54 Speaker 03 We give them, uh, wet food.
1:30:57 Caleb Hammer? You just can't afford it. I'm sorry.
1:30:58 Speaker 03 It's better for their...
1:30:59 Caleb Hammer? It is, you can't afford it.
1:31:01 Speaker 03 But it's better than taking them to the vet for a UTI.
1:31:03 Caleb Hammer? Okay, they're not going to die.
1:31:05 Speaker 03 They can from a UTI. They need water.
1:31:09 Caleb Hammer? Is this, I don't, okay. Give them water.
1:31:12 Speaker 03 I do.
1:31:13 Caleb Hammer? On top of it. Five, five, five, two hundred forty for cats. Let's see if it works. I'll put it in. Medical healthcare. Copays, why not? Anything?
1:31:20 Speaker 04 Uh, no, I only pay for dental, which comes out of my check.
1:31:22 Caleb Hammer? Okay. Subscriptions.
1:31:26 Speaker 04 Um, I've got a YouTube premium.
1:31:27 Caleb Hammer? Twenty dollars.
1:31:29 Speaker 04 Yeah.
1:31:29 Caleb Hammer? That's what you can put in. Pet insurance for the cats?
1:31:31 Speaker 03 No.
1:31:32 Caleb Hammer? Well, you're not gonna be able to afford anything if they get sick. We would have to budget in approximately, probably about hundred bucks.
1:31:42 Caleb Hammer? Cause you certainly can't afford an emergency. Anything else that needs to be in the budget that I have not put in yet?
1:31:47 Speaker 03 Um.
1:31:48 Speaker 04 I don't think so.
1:31:48 Speaker 03 I don't think so, no.
1:31:51 Caleb Hammer? If you guys follow that strictly, no fun, no going out to eat, you technically break even.
1:31:56 Speaker 03 Mm-hmm.
1:31:56 Caleb Hammer? Two thousand seven hundred twenty-nine dollars and sixty-six cents. So here's the reality. Go work more in an oil field. Couple of years. Pay off debt. Your bad debt, pay off sixteen thousand dollars. Sell the house, take that, put a down payment, large down payment in a better area, and then find new career opportunities after that. That's the solution. We could probably do that in a year or two years. You're gonna go get it, work in the oil fields immediately. Or she works outside of the house. That's the reality. You're choosing which one. And that's what we do. Your plans are, it's pretty simple. Save over an emergency fund, sell the house, put a large down payment from the sale of that house towards a, towards the new house in a better area, all that good stuff for your kids, future-proof yourself. Sounds like you guys are staying in the town. And then we work on career opportunities.
1:32:39 Speaker 04 She's a, she's afraid to leave family. She's super family oriented.
1:32:43 Caleb Hammer? Good. That's what I'm saying. You're staying there. And I'm, I'm glad we don't have fucking, um, any car debts.
1:32:52 Caleb Hammer? Good. Okay. Um, but you have some cars.
1:32:57 Speaker 03 Yeah. He has a lot of cars.
1:33:00 Caleb Hammer? A lot of cars?
1:33:01 Speaker 03 Yeah. He's a mechanic, so he has project cars. That's basically why, oh, we drive.
1:33:06 Caleb Hammer? Okay, then I'm, we're gonna, I'm gonna dig into you in the post-show about them.
1:33:10 Speaker 04 Oh, boy.
1:33:11 Caleb Hammer? We, we are gonna talk about them in the post-show. Cause who the are you to have all these when we can take care of the situation? That's in the post-show, cause I'm done with this conversation. So that's where we're going from here. Joy and Hammerly, description in the, below. Three premium shows posted Monday through Friday. See us in the post-show.
1:33:31 Caleb Hammer? Want to hear about this Hammer Financial Score. Spending in a budget, you overspend, zero out of 10. Debt, no collections, but horrible for your income situation. Can't do any better than one out of 10. Emergency fund? Nothing, zero out of 10. Retirement?
1:33:46 Speaker 03 Nothing.
1:33:46 Caleb Hammer? Well, about 400 now. Zero out of 10, that hasn't come for anything. Zero out of 10. Real estate, at least you got something there. Good rate, good equity position. Sounds like it's a solid, sounds like people are interested in general. I'll give you a solid eight out of 10. Hammer Financial Score is the only thing that is carrying you.
1:34:04 Caleb Hammer? It's going to be rounded up to a two out of 10. Join us for the post show, link in the description below. Got to talk about these weird vertical situations they got going on. In fact, I just got a note from the producers that it's going to be incredibly juicy. I can't wait. See you there.
1:34:19 Speaker 03 Is Roswell like the cheating capital of the United States?
1:34:23 Caleb Hammer? 11 days ago, I'mma steal your hat. He says, no, yank. She says, oh yummy. No. I don't like. I've flirted like this. She's like 18.
1:34:31 Speaker 03 Sir, you're not helping your case. This girl has ulterior motives, in my opinion.
1:34:35 Speaker 04 If you love your lady, you gotta shut that down.
1:34:37 Caleb Hammer? Exclusive members content. Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.
1:34:47 Speaker 00 At Edward Jones, we believe rich is more than caring about the latest and greatest. It's also taking care of what gives your life meaning. That's why your dedicated financial advisor meets you where you are with personalized financial strategies that help protect what matters so you can preserve your progress while creating a path forward. The key to being rich is knowing what counts. Let's find your rich together. Edward Jones, member SIPC.
Previous Pampered Princess Thinks Poverty Is Easy | Financial Audit Next This Has Never Happened Before | Financial Audit Page updated November 1, 2026 · transcript and summary are machine-generated