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Transcript 17,003 words · 7 speakers
Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.
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0:56 Caleb Hammer? To watch episodes of Financial Audit a week earlier, check us out on YouTube.
0:59 Speaker 03 I actually didn't realize how bad my debt was till I pulled everything and I calculated it.
1:03 Caleb Hammer? How were you so off?
1:04 Speaker 03 Girl, I'm not trying to do math here.
1:06 Caleb Hammer? You're never making progress in your life whatsoever.
1:09 Speaker 03 That's why I'm like, why am I like this?
1:12 Caleb Hammer? It's your choice.
1:13 Speaker 03 Mm-hmm.
1:16 Caleb Hammer? You're financially [BLEEP].
1:17 Speaker 03 Ha, classic. I think I'm hilarious.
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1:43 Speaker 03 Hi, I'm Shar. I'm 42 years old, from Orlando, Florida, and you're watching Financial Audit.
1:50 Caleb Hammer? Yes, you are, and thanks for coming on over to Austin for Financial Audit. What do you do there for a living?
1:55 Speaker 03 I'm an operations coordinator, property manager, and wedding officiant.
2:00 Caleb Hammer? Is it the same job?
2:01 Speaker 03 No.
2:02 Caleb Hammer? These are two jobs?
2:03 Speaker 03 So the property manager and operations coordinator is one job, and then I own my own wedding officiant business.
2:10 Caleb Hammer? Side hustle?
2:11 Speaker 03 Yeah.
2:12 Caleb Hammer? Okay, because... If that was big enough to be full time, you'd be doing that full time, right? If that was like the
2:17 Speaker 03 Definitely not.
2:18 Caleb Hammer? Oops.
2:19 Speaker 03 I hit the microphone.
2:20 Caleb Hammer? Oh, okay. No, it's, it's okay. Okay, cool. So the full time job, how much are you making in that?
2:27 Speaker 03 Forty four thousand plus sometimes bonuses, a bonus.
2:30 Caleb Hammer? Four thousand in Florida.
2:31 Speaker 03 Yeah.
2:32 Caleb Hammer? Florida ain't cheap. Orlando, I don't know as much specifically, but I know Florida's not cheap. What hits your account on a monthly basis from that job?
2:42 Speaker 03 Um, so I take home after taxes, twelve twenty six every two weeks. But I do have an extra one fifty per paycheck taken out for tax, for business taxes to offset my business taxes at the end of the year.
2:58 Caleb Hammer? You withhold extra?
2:59 Speaker 03 Yeah.
2:59 Caleb Hammer? Instead of just setting aside money from your business?
3:01 Speaker 03 Correct. If it never hits my account.
3:03 Caleb Hammer? Is the money you make from business stagnant, never going up, never going down? Cause how would you?
3:08 Speaker 03 Very up and down.
3:09 Caleb Hammer? Then how does that make sense to withhold from your main paycheck?
3:13 Speaker 03 Cause then if I, then at the end of the year, I might get a tax refund. Sometimes I might, oh. It offsets it.
3:22 Caleb Hammer? No, it doesn't offset it. It either makes you have to pay money or you gave the government a loan at zero percent.
3:30 Speaker 03 That's fine.
3:32 Caleb Hammer? Is it? When you could just be setting?
3:34 Speaker 03 No, cause if I set it aside.
3:36 Caleb Hammer? Doing quarterly estimated payments?
3:38 Speaker 03 No.
3:38 Caleb Hammer? Why?
3:39 Speaker 03 No. Oh, because I'm an individual, sorry.
3:42 Speaker 03 I get really excited. I'm a sole proprietor, so I file my business taxes as S corp? I think C corp, something.
3:52 Caleb Hammer? We're S corp. We do estimate it.
3:55 Speaker 03 No, I just file it, maybe C corp. I file as sole proprietor.
4:02 Speaker 03 That's all I really know. Hey, I file my taxes. That's
4:06 Caleb Hammer? I'm thrilled. Do you work with CPA?
4:10 Speaker 03 No.
4:12 Caleb Hammer? No.
4:12 Speaker 03 I do it on TurboTax.
4:13 Caleb Hammer? In no way. No, you do not.
4:16 Speaker 03 So I don't claim a lot of stuff.
4:17 Caleb Hammer? Hold on, you must not make a lot of money. What does the second job make?
4:21 Speaker 03 Sometimes I make more than my full-time job. Um, so
4:25 Caleb Hammer? What the fuck are you risking it then, man?
4:27 Speaker 03 Risking what?
4:29 Caleb Hammer? The IRS coming down and busting in your door.
4:32 Speaker 03 But I pay my tax, like I file, I keep a spreadsheet of all my stuff and I save every email. I know, right? I'm gonna get better at this, but I have an
4:42 Caleb Hammer? Well, that's exactly what I'm saying is risky.
4:45 Speaker 03 Everything that I buy that isn't parking is connected to my email. So I, yeah, cause parking, you don't get an email confirmation, but when I buy like
4:55 Caleb Hammer? Literally every purchase you make in the world outside of parking, you get an email confirmation?
4:59 Speaker 03 Yeah, yeah, yeah, yeah.
5:00 Caleb Hammer? You stuff into Wagmans or whatever is there.
5:03 Speaker 03 Business. Every time I make a business purchase, it's always connected to my email cause it's like advertising or something like that, that I pay.
5:11 Caleb Hammer? You never get anything outside of that?
5:13 Speaker 03 Just, um, sorry, just the, um, oh my gosh, parking.
5:20 Caleb Hammer? Why would you not work with a CPA?
5:22 Speaker 03 I mean, I guess I should. I thought about it.
5:24 Caleb Hammer? I guess you should. Cause one, they could probably save you a lot of money. And two, they would tell you how much is a withhold on a monthly basis.
5:30 Speaker 03 Yes.
5:30 Caleb Hammer? So that you're just doing that instead of giving the government a free loan or having to pay more at the end of the year, which also just gets and they would probably, you know, say, uh-oh, you're supposed to be paying estimated taxes of which you might be facing penalties that you don't know about. I'm not sure. Depends on your situation. So the 1226, right? That hits?
5:48 Speaker 03 Yeah.
5:48 Caleb Hammer? Is that after that extra withholding or before?
5:51 Speaker 03 After.
5:52 Caleb Hammer? Okay. And that hits twice a month essentially on average. Gotcha. Okay. So that is $2,452. That's hard to live on in Orlando. Now the business, you say very up and down. Give me an example of like the last quarter. What came in Q2? What did Q2 look like?
6:09 Speaker 03 So what is that?
6:11 Caleb Hammer? Actually, have we?
6:12 Speaker 03 March, April, May, June, April, May, June. Oh, wow. Yeah. I was probably busy then. Um,
6:19 Caleb Hammer? Yeah, weddings.
6:21 Speaker 03 Yeah. So
6:22 Caleb Hammer? You married?
6:24 Speaker 03 Florida, it's busy.
6:26 Caleb Hammer? It's a state.
6:27 Speaker 03 So yeah, I don't really know.
6:28 Caleb Hammer? Oh, that, all that for no answer.
6:31 Speaker 03 Twelve thousand dollars for three months.
6:32 Caleb Hammer? That's a guess, I'm assuming since.
6:35 Speaker 03 So listen, I require a hundred dollar retainer and then I get paid the balance ninety days before the wedding.
6:42 Caleb Hammer? How do you not know what you made and spend?
6:45 Speaker 03 Because I pull it all at the end. I don't pull it quarterly. I pull all of my financial transactions from like Venmo, Cash App,
6:53 Caleb Hammer? Oh lady.
6:55 Speaker 03 PayPal, Square.
6:56 Caleb Hammer? When? At the end of the year?
6:57 Speaker 03 Yes, sir.
6:58 Caleb Hammer? That's insane.
6:59 Speaker 03 And I have my little thing on like my officiant to do process. So like, I know that I'm supposed to be doing this, but I'm a slacker. I'm a, I uh, am a slacker and I work better when I have to get it done. Trust me, I file my taxes in April.
7:14 Caleb Hammer? You might have to get it done on a quarterly basis.
7:16 Speaker 03 I actually didn't know about that. I'm gonna find out.
7:18 Caleb Hammer? Well, it's usually based on last year's taxes, but either way.
7:21 Speaker 03 Oh, okay. So I don't know any, I'm not a business person.
7:24 Caleb Hammer? How much did you make last year in your business as a non-business person?
7:29 Speaker 03 Like forty thousand dollars.
7:30 Caleb Hammer? Okay.
7:31 Speaker 03 For the business, yeah.
7:31 Caleb Hammer? Was that gross?
7:33 Speaker 03 Oh, that was before all my expenses.
7:35 Caleb Hammer? Good. What were your expenses last year?
7:37 Speaker 03 Oh, I could pull it up if you want. Probably like twenty seven thousand dollars, twenty thousand.
7:44 Caleb Hammer? Twenty or twenty seven, that's big when we're talking.
7:46 Speaker 03 Um, twenty.
7:49 Caleb Hammer? So your profit was twenty?
7:51 Speaker 03 Sure.
7:52 Caleb Hammer? Sure.
7:53 Speaker 03 I have to pull it up. I don't, I'm not thinking about what I made last year all the time.
7:58 Caleb Hammer? Then, well, I mean, I'm gonna use that as like this year's numbers since you can't tell me
8:02 Speaker 03 I know.
8:03 Caleb Hammer? what this year's numbers are and I'm literally in the, you're, and what are we, six and a half minutes in and I am just trying to get your income.
8:10 Speaker 03 I should have just.
8:11 Caleb Hammer? It's gonna be one of those conversations, I see.
8:13 Speaker 03 I know, I'm sorry, I slacked. What am I looking up? Oh, taxes. And I'm a giggler, just so you know. So just because I'm giggling and laughing doesn't mean I'm not taking it serious, cause I'm here.
8:26 Caleb Hammer? It is one of my triggers.
8:27 Speaker 03 Yes. Oh, look, here's my thing on how, when to do what, my to do, file taxes yearly.
8:34 Caleb Hammer? Her to do list is in a Google sheet.
8:36 Speaker 03 Oh, sorry. It is in a Google sheet.
8:40 Speaker 03 Yeah, yeah, yeah, yeah. Okay.
8:42 Caleb Hammer? Oh.
8:43 Speaker 03 Twenty seven, eight fifty. No, that was payments on two thousand twenty three. Um. What the heck?
8:51 Caleb Hammer? Last year was twenty four.
8:52 Speaker 03 Oh, there it is. Oh, no, that was lost revenue. Oh, my gosh. I'm so sorry. I, uh,
8:58 Caleb Hammer? Okay.
8:58 Speaker 03 Taxes.
8:59 Caleb Hammer? I think.
9:00 Speaker 03 No, it's not.
9:01 Caleb Hammer? It's not okay?
9:02 Speaker 03 No.
9:05 Speaker 03 I should be a little more organized. You know what I mean?
9:08 Caleb Hammer? Yes, preferably. I would suggest that.
9:12 Speaker 03 So I don't know. I can give you the year before.
9:15 Caleb Hammer? Why did you tell me? Let me check in order to get my number because that's what
9:21 Speaker 03 Cause I'm looking.
9:22 Caleb Hammer? It sounded like you were able to just go click clack and you would be there.
9:25 Speaker 03 Cause I have my tax spreadsheet.
9:27 Caleb Hammer? I just wanna know what the income was for twenty four.
9:31 Speaker 03 Forty thousand before taxes, twenty thousand.
9:36 Caleb Hammer? Is your full guess?
9:38 Speaker 03 Yeah.
9:39 Caleb Hammer? What did you pay taxes on the twenty?
9:42 Speaker 03 Oh, no. Oh, dude, I don't know.
9:45 Caleb Hammer? Oh, my.
9:46 Speaker 03 Do you want? I should have run my computer and I could show you my whole tax return. I don't think about like.
9:53 Caleb Hammer? How am I supposed to estimate what you make? What can I? I can add to your income if this is a substantial part of your life. What the can I add to your monthly average?
10:02 Speaker 03 Let's say I make.
10:04 Caleb Hammer? No, why would I say let's say? Why would I let you say let's say? That doesn't make any sense.
10:09 Speaker 03 Three thousand dollars a month.
10:11 Caleb Hammer? After taxes, expenses with, like, I'm confused. What?
10:14 Speaker 03 Before taxes. I mean, before expenses, before taxes.
10:18 Caleb Hammer? Before expenses and your expenses seem to be fifty percent.
10:23 Speaker 03 Sure.
10:24 Caleb Hammer? Sure?
10:25 Speaker 03 I don't know.
10:25 Caleb Hammer? But that's what you're saying for last year. That's what you're saying for last year.
10:30 Speaker 03 I'm dying over here.
10:32 Caleb Hammer? No, don't. No, this is a pretty basic question. You're a business owner.
10:35 Speaker 03 Oh, I know. That's why I'm like, why am I like this?
10:40 Caleb Hammer? This, but it's your choice.
10:42 Speaker 03 Yeah. That's why I'm wondering why I'm like this. Cause why am I choosing this for my life? No, actually.
10:48 Caleb Hammer? Can you try to answer that for me?
10:49 Speaker 03 You're opening my eyes as to what I need to do. Cause I'm not a business person.
10:54 Caleb Hammer? You literally are.
10:55 Speaker 03 No, I know.
10:57 Caleb Hammer? It's the same income as your other job.
10:59 Speaker 03 I am currently a business person, but I'm not business minded. Like I'm not looking.
11:05 Caleb Hammer? What does that mean to you?
11:06 Speaker 03 Like, I'm not focused on making the most and like, I don't want five of his hands under me.
11:15 Caleb Hammer? Make. It's not about making more. I'm asking what you make.
11:19 Speaker 03 So I'm pretty sure when I filed my taxes in April, cause I do wait till the last minute. I probably, probably, probably.
11:34 Speaker 03 Brought in like $40,000 before taxes.
11:37 Caleb Hammer? Yeah, we got that part.
11:38 Speaker 03 And fees. So I'm estimating after, but then, cause you have mileage reimbursement. It's like a whole thing.
11:49 Caleb Hammer? Yes, yes, it is.
11:51 Speaker 03 Yeah. Do you want me to pull up my tax return?
11:53 Caleb Hammer? Oh my.
11:54 Speaker 03 I might be able to. Yeah, I think so.
11:56 Caleb Hammer? Sure. I don't know why you didn't just do that.
11:59 Speaker 03 Because I'm all over the place here. Oh, I got emails for weddings. I might have to answer those.
12:07 Speaker 03 Classic.
12:10 Speaker 03 I think I'm hilarious.
12:14 Speaker 03 I know, right? Jeez, what's her problem? Okay. So I might not be able to pull up my taxes.
12:19 Caleb Hammer? I'm just doing it with a quirky millennial again, I think. And I got in trouble in the comments last time that I didn't like that.
12:25 Speaker 03 I'm an elder millennial too. So that's even worse. Um, yeah, I don't have it. Let's just say I don't have it.
12:36 Speaker 03 I'm sorry, guys. I'm looking, I'm looking.
12:39 Caleb Hammer? I don't know what to do with you.
12:40 Speaker 03 I looked up taxes in both of my emails. Help me.
12:44 Caleb Hammer? That's it. IRS perhaps. Maybe search IRS.
12:50 Caleb Hammer? IRS, search IRS.
12:52 Speaker 03 Can I?
12:52 Caleb Hammer? Turbo tax.
12:52 Speaker 03 Yeah, TurboTax.
12:53 Caleb Hammer? Yeah, search the platform you use.
12:55 Speaker 03 I'm telling you, if I had my computer, it's all on there.
12:58 Caleb Hammer? That's great, but this is your same, your email's the same.
13:01 Speaker 03 Oh, here, look. Ooh. Ooh la la. Okay, that's French.
13:12 Speaker 03 Hold on, waiting for a confirmation text.
13:15 Caleb Hammer? Okay.
13:15 Speaker 03 Okay. Oh, my God, I'm so excited to finally pull this up.
13:20 Speaker 03 Let's hope that I was right on. I know, I'm so sorry. This is gonna be a 14-hour podcast.
13:25 Caleb Hammer? Yo, you're telling me.
13:26 Speaker 03 I'm here for the long haul. Okay, downloading my return.
13:32 Speaker 03 Ee poo poo poo poo.
13:36 Speaker 03 With you staring at me, it doesn't help.
13:38 Caleb Hammer? I can look over here.
13:39 Speaker 03 Oh, wait, that's not it either. I got my tax return up. I'm just looking for the financial information on it.
13:45 Caleb Hammer? If you just give me the phone, I could probably get it.
13:47 Speaker 03 Oh, yeah. Oh, here it is. There it is. I scrolled for you. My screen might be a little dark.
13:55 Speaker 03 One year, I made almost $100,000.
13:57 Caleb Hammer? No, no, no, no, no. No, this is...
14:00 Speaker 03 What happened? What happened?
14:02 Caleb Hammer? Hold on, hold on, hold on. I think she's literally, okay.
14:05 Speaker 03 Um, did I mess up my taxes?
14:07 Caleb Hammer? Maybe.
14:08 Speaker 03 Oh, God.
14:11 Speaker 03 I heard you can write things off, but I don't. Like, I know a DJ that wrote off a watch.
14:16 Caleb Hammer? Don't...
14:17 Speaker 03 No, I don't write anything like that off. Just my lineups.
14:20 Caleb Hammer? I don't want you to think about write-offs. You would know what a write-off is.
14:22 Speaker 03 I don't do that unless I'm traveling for a wedding.
14:26 Caleb Hammer? Yeah, I want to be very clear. So far, all I'm seeing is here is your $44,000 of your W-2 income.
14:32 Speaker 03 Oh, maybe it's at the bottom. No, I definitely filed my business taxes on that.
14:36 Caleb Hammer? I certainly hope so, because additional income is listed as $1,300. Uh, I will keep going.
14:44 Speaker 03 Well, maybe that was after.
14:45 Caleb Hammer? So here we go. W-2, $44,388.
14:51 Speaker 03 What's the 388?
14:53 Caleb Hammer? Your income from your business.
14:57 Speaker 03 For one month?
14:58 Caleb Hammer? No, wait, hold on. But why is that under...
15:03 Caleb Hammer? Oh, oh, hold on. Gross income for, so, okay, wait. Okay.
15:10 Caleb Hammer? From W2 instead of trying to put.
15:16 Caleb Hammer? But no, this is your business.
15:20 Speaker 03 Cool. You scared me.
15:21 Caleb Hammer? Oh, you scared me.
15:23 Speaker 03 Cause I know I file my business.
15:24 Caleb Hammer? Yeah, but hold on. No, no, but this is what's crazy is like, okay, let's pretend this is your business. And if you had $20,000 of valid business expenses, all you did was co- you didn't, there's no expenses claimed. You're just throwing in the, wait.
15:43 Speaker 03 No, there's.
15:46 Speaker 03 What's up?
15:48 Caleb Hammer? I do believe she claimed, uh, forty-fourth, uh, forty-two thousand dollars of expenses as net profit is listed as $1,369.
15:58 Speaker 03 Forty-three thousand dollars in it. Oh, maybe that includes mileage? Cause I drive like 20,000 miles a, uh, forty-three thousand dollars in expenses.
16:09 Caleb Hammer? And if an audit comes, oh, oh. Uh.
16:14 Speaker 03 There's no way.
16:15 Caleb Hammer? Qualified business income, $1,272 after everything.
16:22 Speaker 03 Can I see that?
16:24 Caleb Hammer? In a moment. I'm going through a lot here.
16:30 Speaker 03 That's where my spreadsheet comes in handy too, though, because I know how much expenses based on the spreadsheet. I know. Well, I don't, I didn't see it in my Google Drive, because I use Google Drive for everything.
16:50 Caleb Hammer? All right.
16:51 Speaker 03 I mean, so for all my business stuff, I have my.
16:53 Caleb Hammer? She made a total profit of a thousand three hundred. So great. Um, that means you make, um, forty-five thousand, five hundred hours a year.
17:06 Caleb Hammer? I don't think you had to pay more on that and you probably got a, did you get a refund for last year?
17:11 Speaker 03 Um, yeah, it was like $1,500.
17:14 Caleb Hammer? Yeah, I'm sure it was. There it is.
17:18 Speaker 03 And then the year before I owed some monies.
17:21 Caleb Hammer? This is crazy. Using the 2025 IRS standard mileage rate, 20,000 mile reimbursement for business purposes would be about $14,000, which you add that to your 20 and then you add even more to it. Your business makes no money.
17:37 Caleb Hammer? How much time do you spend on your business?
17:42 Speaker 03 Um, so.
17:44 Caleb Hammer? Because to be very clear, it is a break even hobby.
17:47 Speaker 03 Yeah. Well, I mean.
17:49 Caleb Hammer? Unfortunately, where you suggested.
17:51 Speaker 03 I love it. I don't care. I get more pussy in Fortnite than you do.
17:54 Caleb Hammer? That's wonderful. Uh huh. You don't make much money for Central for Florida.
18:02 Caleb Hammer? And you're on the show, meaning you're likely in all out of debt.
18:05 Speaker 03 Yes.
18:05 Caleb Hammer? Uh, so whether that that's an option in the end, I no longer know. How much do you spend on this hobby?
18:14 Speaker 03 Well, apparently 40 something thousand dollars in expenses, but I didn't know that. Oh, time, sorry. Um.
18:26 Speaker 03 Like, so every wedding would be three hours, including commute. So like 45 minutes there, 45 minutes back, an hour and a half at the wedding.
18:34 Caleb Hammer? Big math. I don't know how many weddings exist per week or month. So how much time are we spending?
18:39 Speaker 03 But.
18:39 Caleb Hammer? On this job that is your business.
18:42 Speaker 03 A month, a week, a day?
18:43 Caleb Hammer? Oh, my gosh.
18:44 Speaker 03 Like, what are you looking for?
18:45 Caleb Hammer? Week average, please. How much time, which goes into planning and everything? Yes. How much?
18:51 Speaker 03 25 hours if I have X amount of weddings, like eight, seven or eight weddings.
18:57 Caleb Hammer? 25 hours a week. What do you make? A thousand 300?
19:03 Caleb Hammer? Great, you're making a dollar an hour.
19:05 Speaker 03 Woo hoo.
19:05 Caleb Hammer? On average.
19:06 Speaker 03 I'm rich.
19:07 Caleb Hammer? Okay, great. Yeah, it's, I'm glad you can be quirky about it, but, um, yeah, you're financially because you wouldn't be on the show. I don't know your finances yet, but you wouldn't be on the show if you weren't. To make one dollar an hour, 25 hours a week, I don't think is the best use of our time as much as you love it.
19:26 Speaker 03 I love it.
19:27 Caleb Hammer? A Filipino sweatshop would make more money.
19:30 Speaker 03 I don't love that.
19:31 Caleb Hammer? No, none of us do, and it wouldn't be as fun, but you would make more money doing anything except for working in prison.
19:37 Speaker 03 Mm-hmm.
19:41 Caleb Hammer? Why the are we spending so much time doing this, dude?
19:44 Speaker 03 Cause I really like it. I'm really good at it.
19:46 Caleb Hammer? Okay.
19:47 Speaker 03 Have you checked out my reviews?
19:48 Caleb Hammer? No, but it's clearly not resulting in you making a living.
19:53 Speaker 03 So if I did, if I changed a few things, I could definitely make more.
19:58 Caleb Hammer? What?
19:58 Speaker 03 But since I said that I'm not like a business person, I haven't really like stepped it up.
20:04 Caleb Hammer? I can't even add that to your income. You make 2,452. That's insane.
20:12 Speaker 03 Oh, yeah, yeah, yeah, yeah. Sorry. I was not sure where you were getting that number, but I know what you mean now.
20:17 Caleb Hammer? What do you mean? That's the number you gave me.
20:19 Speaker 03 Yeah. No, you were talk, so one minute we were talking about the business, but then you had brought up my full-time job pay, so it just threw me off for a minute.
20:28 Caleb Hammer? Uh, dude, you're, I mean, the per capita income, net, net in Orlando, by the way, hold on. But then the metro, so this is a census reporter,
20:44 Caleb Hammer? has it at 3,000 hours a month. You're under the per capita net income, but then actually, in the entire metro, in 2023, 57,000. Buddy, you make nothing.
21:00 Speaker 03 Yeah, that's why I'm here.
21:02 Caleb Hammer? You're dying.
21:05 Speaker 03 Yeah, I'm dying. We're all dying every day.
21:07 Caleb Hammer? Income is in a, that's why I'm here situation.
21:10 Speaker 03 No.
21:11 Caleb Hammer? So what are we, what are we doing? What is going on in your life? What is going on? What are we talking about today? Because 20 minutes to establish what you make in your area, by the way.
21:22 Speaker 03 If I, I didn't know I should have had this. Yeah, I would have had the information ready. I just honestly didn't know that you would be asking that. Or I totally would have had like everything ready. I actually watch it all the time.
21:34 Caleb Hammer? Are you broken then? Because you know that is the literal first question I ask.
21:38 Speaker 03 Yes, but I thought you had it in my financial statements that I sent to you.
21:43 Caleb Hammer? Uh, not in terms of averages and stuff, but it's also a very good question and exercise to see if you even know what you make.
21:50 Speaker 03 Clearly I don't.
21:51 Caleb Hammer? You spend?
21:52 Speaker 03 A lot.
21:53 Caleb Hammer? Wonderful. Let's try that in a financial number.
21:56 Speaker 03 I spent a lot, but it was above my average. Yeah.
22:00 Caleb Hammer? Yeah.
22:01 Speaker 03 Yeah.
22:02 Caleb Hammer? What do you think you spent last month?
22:04 Speaker 03 A month. Okay.
22:05 Caleb Hammer? Last month.
22:07 Speaker 03 Like on rent, all my bills, everything.
22:10 Caleb Hammer? Everything together. And for what it's worth, again, if we do all businesses, all business before expenses. So include your business expenses in the expenses, but all business income before expenses and your regular income was
22:23 Speaker 03 Seventy-five hundred dollars.
22:24 Caleb Hammer? Seventy thousand, seven thousand, five hundred, seventy-nine dollars and eighty-three cents.
22:28 Speaker 03 Girl.
22:28 Caleb Hammer? Your income. Girl, what was your?
22:32 Speaker 03 Oh, no, that's what I thought I spent. Damn it.
22:34 Caleb Hammer? Oh, no, that was your income. Girl.
22:36 Speaker 03 That was, I don't know.
22:39 Caleb Hammer? Yeah, when you answered a different question, you got it right somehow.
22:41 Speaker 03 I know. Isn't that weird?
22:44 Caleb Hammer? What was your out?
22:44 Speaker 03 It's like I'm psychic.
22:45 Caleb Hammer? What went out?
22:46 Speaker 03 Um, seventy or eighty-five hundred dollars.
22:49 Caleb Hammer? Very good. So more?
22:51 Speaker 03 Yeah, more. I probably spent more than I brought in.
22:53 Caleb Hammer? Okay. Well, it was nine thousand, six hundred, eighty-four dollars.
22:55 Speaker 03 Oh dang. Oh dang it. How did I spend nine hundred, nine thousand dollars? I mean, I know how like two thousand of that was spent.
23:04 Caleb Hammer? Here's the thing. Clearly it's debt, or else you wouldn't be here, honestly, because you are required to have debt in order to be on the show. And that is what must be supplementing this. I see no other way. What is your life? What are like, what is going on? Please tell me, tell me just like, what is going on? We answered the income. Now just tell me what's going on. All right, let's be real. Credit feels like the ultimate catch 22. You need good credit to get anything, but how are you supposed to build it if no one will give you a chance? It's like trying to get into a gym, but they won't let you in until you're already shredded. And that is why what kickoff is doing is so game changing. It is designed just to help
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24:54 Speaker 03 I like going on vacation.
24:55 Caleb Hammer? What is this?
24:56 Speaker 03 You'll find that out.
24:57 Caleb Hammer? You tithe 10% to your dad?
24:59 Speaker 03 So you allow people to tithe to their church? So therefore?
25:04 Caleb Hammer? I allow people to?
25:05 Speaker 03 Yeah, when you do their budget at the end of the show.
25:07 Caleb Hammer? Because you can't change someone's religion. And also, that's happened like five times on this show's history in three years.
25:12 Speaker 03 Well, I've seen it.
25:13 Caleb Hammer? Uploading three episodes a week. Okay, super fan. Yay.
25:17 Speaker 03 Nice, super fan. Yeah, I did.
25:22 Caleb Hammer? I like, I don't even know what episode that is. So you know more about financial audit than me. But either way, yes, because I can't change someone's religion. That's just deep in their bones, man. So no, I can't take that away. But what? Well, how does that? What is your dad? Your religion?
25:38 Speaker 03 No, but like, although I am in financial crisis, I feel like he um he needs the money more than I do. I mean, I need the money, but he needs money. No, but
25:54 Caleb Hammer? What, what, what? Huh? Why does he need more money more than you do? What? Explain this logic here. 10% you give a 10% dad tax?
26:03 Speaker 03 It's not like it's mandatory. I do it when I can.
26:06 Caleb Hammer? But you do it and you never can. You wouldn't be able to do it because everything should be going towards that. Do you have a fully funded emergency fund?
26:13 Speaker 03 I have like eight thousand, nine thousand dollars.
26:18 Caleb Hammer? No, you don't.
26:19 Speaker 03 Yes, I do.
26:20 Caleb Hammer? No, no, you do not.
26:21 Speaker 03 Savings. I have four thousand, three thousand.
26:26 Caleb Hammer? Bro, I have your savings. I don't think you know what you're talking about.
26:29 Speaker 03 What are you talking about? I can pull up my Chase account, Chase account.
26:32 Caleb Hammer? That wouldn't make any sense because you also, by the way, bad debt alone, fifty thousand dollars. Other debt watchers, 0% currently are just seven thousand. So we're at a total of fifty five thousand, seven hundred and twenty two dollars and thirty four cents. I'll say you had eight thousand in there. You don't, by the way, let's say. Why the would that not be going to thirty percent debt that is accumulating when you have fifty five thousand dollars of debt?
26:55 Speaker 03 I was gonna ask you how I should spend that money, if I should save it on a
27:00 Caleb Hammer? That money. Great. Okay. So if you have that much debt, why are you giving your dad 10%?
27:06 Speaker 03 Well, I mean, I just send him fifty dollars every week if I can.
27:10 Caleb Hammer? 10% then? You said, you said, you told Lindsay you tied 10% to your dad.
27:14 Speaker 03 10% of the 2,500 I bring home from my office job.
27:19 Caleb Hammer? To your dad. You said you send him 50 here and there. What's true?
27:24 Speaker 03 It's usually 50.
27:25 Caleb Hammer? Again, why I don't believe your savings thing. What's true?
27:28 Speaker 03 $50 a week when I can. Recently, I didn't. I haven't.
27:34 Caleb Hammer? What's this 10% thing?
27:35 Speaker 03 Maybe like two times a month instead of four.
27:37 Caleb Hammer? What's this 10% thing?
27:38 Speaker 03 Cause then it's in my budget.
27:40 Caleb Hammer? 10% would be $240.
27:43 Speaker 03 Yeah. So it's approximately 10%. 8%. Can I tithe 8%?
27:50 Speaker 03 I'm not a math person.
27:51 Caleb Hammer? $8%!
27:53 Speaker 03 Girl, I don't know. I'm not trying to do math here. I'm just saying.
27:57 Caleb Hammer? Again, why, why, why would I listen to you when it comes to what numbers are where?
28:01 Speaker 03 I'm not trying to teach you anything.
28:03 Caleb Hammer? Not teach. I'm just trying to get answers to your questions. What do you mean teach? There's no teach. I wouldn't go to you for teaching for anything. I don't know what you're talking about, man.
28:12 Speaker 03 I am the worst, in case you didn't know.
28:15 Caleb Hammer? I don't know, but I hope that's not the case.
28:17 Speaker 03 Yeah, me either.
28:20 Caleb Hammer? Yeah, you do 12 to 15 weddings a month. With that amount of time, 170 weddings a year, with that amount of time, the income you could be going and making and paying off all this debt because really, if we're being honest with just how money is transferring around and translating, this essentially means you are subsidizing, you spending your time going and doing all these weddings by building up your debt. Cause by the way, another reason why I don't believe in the savings thing. Uh, remember when you spent $2,000 more than you made last month? Like this isn't lining up. You're subsidizing you wanting and going to do this hobby when you should instead be working more
29:02 Caleb Hammer? and that would at least pay your bills, but instead of doing that, you are just accumulating debt to subsidize your business hobby.
29:12 Speaker 03 Can I pull up my savings for you? This is bothering me.
29:15 Caleb Hammer? I have it. Shut the.
29:16 Speaker 03 I want you to see my account.
29:18 Caleb Hammer? Stop! I have it here!
29:20 Speaker 03 You clearly don't, or you would see where I have the monies.
29:23 Caleb Hammer? I hate you.
29:24 Speaker 03 I hate you.
29:25 Caleb Hammer? I don't hate you, but that's very annoying. I hate that moment. Cause I literally have the documents in front of me. Can you let me go through them? You know, the show that you've seen a thousand times?
29:33 Speaker 03 You're calling me a liar though, and I'm not a liar.
29:35 Caleb Hammer? I have the spreadsheet.
29:37 Speaker 03 I might not know things.
29:39 Caleb Hammer? It's ignorance.
29:40 Speaker 03 It doesn't make me, it is ignorance, but it's not why.
29:42 Caleb Hammer? Why are you here? Why are you here?
29:44 Speaker 03 I'm here to marry you, Caleb. That's why. I need my chance.
29:51 Caleb Hammer? What the?
29:51 Speaker 03 You and your boo. I'm gonna marry you and your boo. You're like thirty-five.
29:57 Caleb Hammer? I'm thirty.
29:58 Speaker 03 Twelve years. We could be boos in another lifetime.
30:05 Speaker 03 You could help me financially. You could pay half my rent. I'm just kidding. Um, but I really would love to marry you and your boo when you get married and propose.
30:15 Caleb Hammer? Oh, you, okay.
30:17 Speaker 03 Ha, ha, ha, ha, ha. I'm never getting married. What are you talking about, Willis? No, I will not marry you, Caleb.
30:23 Caleb Hammer? By choice?
30:24 Speaker 03 Thank you, Will. Yeah, by choice. It's good. I love other people's marriages and I love doing weddings and everything, but I feel like it might not just be for me. I'm good.
30:34 Caleb Hammer? You just wanted to.
30:35 Speaker 03 You can have a commitment without.
30:37 Caleb Hammer? If you want.
30:37 Speaker 03 Yeah. I do solo everything. Um, but you can have commitment without the marriage, for sure.
30:44 Caleb Hammer? Okay, well, I mean, maybe if we get there, I'll talk to you.
30:48 Speaker 03 It's very peaceful.
30:49 Caleb Hammer? Especially since I know you're charged not enough.
30:51 Speaker 03 Yeah, I'm free.
30:52 Caleb Hammer? Oh, that should be good. Oh, you're free.
30:54 Speaker 03 Yep.
30:55 Caleb Hammer? All right.
30:57 Speaker 03 I don't charge people that I know, like when vendors want me to do their wedding.
31:00 Caleb Hammer? Yep, you do this as a hobby and you're going to.
31:02 Speaker 03 I love it.
31:03 Caleb Hammer? Subsidize it. I know you love it and you also love that.
31:05 Speaker 03 I can't explain that enough.
31:06 Caleb Hammer? You don't have to. I know you like it. That's not something you have to defend.
31:10 Speaker 03 Yeah.
31:10 Caleb Hammer? It is actually very clear in your actions through subsidizing it through debt that you love it. I'm saying that might not, that's one, not sustainable for sure, especially since you don't have a dual income household situation. Whatever, that's what you choose. That's okay. I'm not judging it, but this means you have to take more responsibility on your own because it's all on you. Instead, you're just f-ing it up. So it's not about you loving it and not loving it.
31:32 Speaker 03 I think I'm gonna get a CPA.
31:34 Caleb Hammer? Yes, at a minimum would be nice.
31:37 Speaker 03 Cause.
31:37 Caleb Hammer? Cause what you might be doing. While your taxes might be illegal.
31:42 Speaker 03 No, I mean, I hope not.
31:43 Caleb Hammer? You can claim anything and everything on TurboTax. It doesn't mean it's real.
31:47 Speaker 03 But I only claim stuff that I like.
31:49 Caleb Hammer? Yes, but not everything's a write-off, not everything's deductible, the way you think, the way everyone thinks.
31:54 Speaker 03 Yes, yes, yes, got it.
31:55 Caleb Hammer? You will get destroyed if the IRS decides to ever.
31:58 Speaker 03 Better get my stuff in order then.
32:01 Caleb Hammer? I agree. You might have to.
32:03 Speaker 03 It's all in my email.
32:04 Caleb Hammer? You might have to reamend some of those taxes, but we'll see.
32:06 Speaker 03 Yeah, that's fine.
32:07 Caleb Hammer? What do you think your finances land? Zero to 10, zero being the worst, 10 being the best?
32:11 Speaker 03 2.4. I took it three times.
32:15 Caleb Hammer? Okay, very good. And what she took was the Hammer Financial Score, of which you can take for free. See where you stand in the world of finances, see where you're doing great, see where you need to improve, and see if you're just doing average. Take the assessment. It is free at CalebHammer.com. And don't forget to sign up for the Dollar Wise Budgeting app. You don't want to be like a guest who ends up on the show. If you like it, sign up for the annual version to save a lot of money. And there you will also get a budget-friendly cookbook signed by me mailed directly to you. And you can also bundle it with all of our educational products, all in one for 80% off by joining the top-end service, Dollar Wise Central. Check it out. Tens of thousands of people have changed their lives. DollarWise.com. All right, time to get into these documents, because there are a lot. What the are you saying when I'm talking?
32:59 Speaker 03 Sorry. Oops. The coffee's kicking in for you. I could tell by your fast talking. That's all. I will shut my mouth.
33:07 Caleb Hammer? Well, no, it's okay. I just didn't know what you're saying because I was talking.
33:10 Speaker 03 I know, I'm sorry.
33:11 Caleb Hammer? Okay, uh, oh, City Strata premiere. I don't know the Strata premiere. I've never done the Strata premiere. Is this also Fat Stack? Maybe we're doing another Fat Stack week. This is crazy.
33:22 Speaker 03 It's all one card.
33:23 Caleb Hammer? Ton. This is not all one card, but this is crazy. This is a ton of paperwork. We're gonna be here for a thousand years. City Strata, what is this? 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, because 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,
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34:37 Speaker 03 It's a credit card.
34:37 Caleb Hammer? I know. What the you're using it for? What is going on with this card? Girl, you've seen the show.
34:42 Speaker 03 That card, I currently don't use it for anything. I did put two balance transfers. Well, technically three, but one was paid off. So right now, there's one on that statement.
34:55 Caleb Hammer? What do you mean?
34:56 Speaker 03 Like, that $3,000 that you see is a previous balance transfer that's at 0% till January 2026.
35:05 Caleb Hammer? Okay, well, interest is accruing on here.
35:08 Speaker 03 Is it?
35:09 Caleb Hammer? Yes!
35:14 Caleb Hammer? Oh.
35:15 Speaker 03 How much for that month?
35:17 Caleb Hammer? Four, $5.
35:19 Speaker 03 Oh.
35:20 Caleb Hammer? So it's from a previous one where the 0% must have ended.
35:23 Speaker 03 Maybe I-
35:24 Caleb Hammer? You owe $3,254.95.
35:29 Speaker 03 Yes.
35:30 Caleb Hammer? Okay. How long does this take to pay off? If you do minimum monthly payments only.
35:36 Speaker 03 Oh.
35:37 Caleb Hammer? Without purchasing anything, which historically you're likely incapable of knowing how much you spend money. But yeah, let's see.
35:43 Speaker 03 11 team years.
35:46 Speaker 03 I don't know.
35:47 Caleb Hammer? Millennial bullshit.
35:48 Speaker 03 I don't know. So therefore.
35:50 Caleb Hammer? Listen, again, she's lovely, just like the other person that was the quirky millennial bullshit. I got called out for being mean to that person, but you have no idea if you're just trying to have a conversation on the show and they're bringing in their quirky millennial bullshit. It is very obnoxious on this side of the table because it's interesting to see as the audience doesn't mean I have to enjoy it.
36:11 Speaker 03 Wah.
36:13 Caleb Hammer? Ha, ha, ha. How many years, lady?
36:15 Speaker 03 Okay, so let's see. Thirty two hundred divided by minimum payment X times four.
36:26 Speaker 03 Hold on, for real, though. Like, ten years.
36:30 Caleb Hammer? Twelve, close. I want to fact check you're not spending. Pull up the statement on your phone.
36:35 Speaker 03 Oh, yeah.
36:35 Caleb Hammer? The current, what, what it shows right now.
36:38 Speaker 03 Okay.
36:38 Caleb Hammer? Like, I.
36:38 Speaker 03 Damn, this would have been so much better on my computer.
36:41 Caleb Hammer? Believe that you're.
36:42 Speaker 03 Listen, I'm not lying. You act like I'm lying about.
36:46 Caleb Hammer? Well, lying out of intention, I don't know, but ignorance throughout this, everything I've picked up in the, what, thirty-five minutes we've been filming, yeah.
37:03 Caleb Hammer? This is this city, Strata.
37:06 Speaker 03 I know, because I did a balance transfer offer. Another one, another, a separate one.
37:11 Caleb Hammer? Seven thousand dollars.
37:12 Speaker 03 Yeah, because I did a balance transfer offer.
37:14 Caleb Hammer? So this is new?
37:15 Speaker 03 Yes. And it's like zero percent.
37:17 Caleb Hammer? The debt's worse. The debt is worse.
37:20 Speaker 03 It is, but it was moved from one card to another.
37:22 Caleb Hammer? Great, which opened up the ability to spend on that card.
37:26 Speaker 03 No.
37:27 Caleb Hammer? Yeah.
37:27 Speaker 03 Because it's paid off.
37:28 Caleb Hammer? No, no.
37:29 Speaker 03 So therefore, I'm not using it.
37:32 Speaker 03 Oh, yeah, yeah, yeah. It's at zero. That's, yeah.
37:34 Caleb Hammer? Yes, but then it also gives you the ability to purchase. When you don't have money because you spend more than you make, oh my, oh geez.
37:42 Speaker 03 I've been trying not to use the cards that are at zero.
37:45 Caleb Hammer? I'm thrilled that you're trying not to. She spends $2,000 more than she makes.
37:49 Speaker 03 It used to be a lot better.
37:50 Caleb Hammer? So it's no longer $3,254? It is actually at $6,964.59, which by the way is only $500 from the limit.
38:01 Speaker 03 Yeah, and they keep sending me balance transfer offers. I'm like, dude, I have no monies. I cannot do another one. Thank you.
38:08 Caleb Hammer? Oh my, okay. Oh, she's millennial, millennial, millennial, millennial.
38:13 Speaker 03 What are you? Are you a millennial?
38:14 Caleb Hammer? By a year, I'm the last one.
38:16 Speaker 03 Are you a zoomer? You seem like a zoomer.
38:18 Caleb Hammer? Millennial. I'm the final millennial, but it's not like, it's just.
38:22 Speaker 03 That explains the problem.
38:23 Caleb Hammer? No, no, no, no, no, no, no, no. I don't even do the gender bullshit, because the gender bullshit is nothing. There's nothing scientific, there's nothing, whatever. We just, as humans, we love to categorize things. I'm more of the belief you're, you're not aligned with your generation. You're aligned with people 10 years older than you, 10 years younger than you. Those are the people you're similar to. Those are the people that you grew up cultural wise. Other than that, it doesn't matter. And clearly, you know, you are outside of that range. And, but either way, just the stereotypes, you were doing the full stereotypes. What is the normal monthly payment now?
38:53 Speaker 03 Pardon me? What's the average monthly payment?
38:56 Caleb Hammer? What is the normal monthly payment now that the balance is gone up?
39:00 Speaker 03 Like $75 a month?
39:02 Caleb Hammer? Okay, so it's gone from 41 to 75. Very good. Take your phone.
39:07 Caleb Hammer? I don't want to catch the millennial disease.
39:10 Speaker 03 I know. Cooties. Girl cooties.
39:18 Speaker 03 Can I pull up my bank account for you?
39:20 Caleb Hammer? No, no, no, stop. We will get there.
39:22 Speaker 03 I'm obsessed at this point. Can't think back to it.
39:25 Caleb Hammer? Stop. Please.
39:29 Caleb Hammer? First of all, $270 of fees this year so far, which is now probably $500 because of your other new balance transfer. Interest is never a coin. Yeah, $269.70 of interest this year. Great. That is occurring from only a $278.45 balance.
39:47 Caleb Hammer? And that was a separate balance transfer offer.
39:51 Speaker 03 Yeah.
39:52 Caleb Hammer? Okay. And by the way, it's just two months, two months in the $3,708 from the past month, not even your new month, is when that that starts to create interest. So that has started to create interest in two months.
40:08 Speaker 03 Yes.
40:08 Caleb Hammer? Actually, from this exact date, less than two months. Great. And then with what you just put on is probably coming up in like, what, six months, three months, four months? I don't know. So this is, it's not like this is great. You're certainly not paying this off with the way you spend money, the way you live your life, the way you subsidize yourself on debt. You are not paying this off by the time it starts accruing interest. There's no way.
40:28 Speaker 03 Yeah.
40:29 Caleb Hammer? Less than two months. Good the clock. What was your plan with this card? What was your grand plan?
40:33 Speaker 03 Probably do another balance transfer offer.
40:37 Caleb Hammer? And tell how long that's not possible.
40:39 Speaker 03 Yeah, I know. That's.
40:41 Caleb Hammer? And then what?
40:43 Caleb Hammer? You're endless kick the count down the road and let fees and interest accrue over time. Because even if you're balance transferring before interest accrues in less than two months, you're still getting these $250 fees every time you're hitting these things.
40:54 Speaker 03 Yeah.
40:55 Caleb Hammer? So you're just getting that every few months. So no matter what, I mean, it's like you're accruing interest regardless with how often you're doing it. So this, this doesn't make financial sense and your debt is getting worse and you're doing nothing to even pay it off. This makes no sense to me.
41:11 Caleb Hammer? Yeah, I mean, I'm being told then just you've done it two times with a certain debt alone, just like boom, boom, boom. And now you're doing it a third time. You're about to do it a fourth time. This is just insane. You're not a credit card person. Why do you use credit cards?
41:23 Speaker 03 Um, so.
41:24 Caleb Hammer? It matters to save your life.
41:27 Speaker 03 The problem is. Like I got my first credit card when I was like 20 years old. So
41:33 Caleb Hammer? Later than most at 18.
41:34 Speaker 03 No, I know. Yeah. It was one of those cards where you like, it was secured.
41:39 Caleb Hammer? Why are you using them today?
41:40 Speaker 03 Yeah, I'm telling you. So basically from that age to like my late 30s, I was a credit card person. All of my credit cards, when I put money on them, I would pay it down and whatever. Yeah, yeah, yeah, yeah. So what had happened was I went on a trip to Africa.
42:01 Speaker 03 At the time I could afford it.
42:03 Caleb Hammer? Your ginger ass can't handle that sun.
42:05 Speaker 03 It was great. I went in the winter. So technically it was our summer, but it was their winter.
42:09 Caleb Hammer? So South Africa.
42:11 Speaker 03 No, I went to Tanzania.
42:14 Speaker 03 It's beautiful. You should go. You should take your boo there. She would love it. I stayed in a tree house on my birthday.
42:23 Caleb Hammer? I cost us on the ground.
42:25 Speaker 03 Yeah, it was great though. And they had an outdoor shower. It was super cool.
42:29 Caleb Hammer? Very modern country.
42:30 Speaker 03 Water. Yeah, it was neat. No, they had indoor shower too. Um, so anyway.
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43:07 Speaker 03 I bought this freaking safari and then at the time I had zero car payment. I had my car paid off that I paid off in like two years. I was so proud of myself because back then I had
43:20 Speaker 03 more money and my rent was like $1,100 back then. So then I got in a car accident. So I had a car payment. So then that reduced some of the money I was bringing in or, you know, more money going out.
43:33 Caleb Hammer? I believe they call Orlando the Tanzania of Florida.
43:36 Speaker 03 It is. There's freaking giraffes everywhere and alligators. Except Tanzania has crocodiles. Lol. Okay, anyway, I forgot I'm quirky millennial. Ooh. That's what I'm gonna dress up for is Halloween. It's quirky, but it's gonna look like you.
43:57 Speaker 03 Sorry. So anyway, I used to be a credit card person. I used to pay him off all the time. I got him to my safari debt. I saw all the freaking...
44:06 Caleb Hammer? I don't give a...
44:06 Speaker 03 Okay, I'm sorry. You keep, um, distracting me.
44:10 Caleb Hammer? No, you're blaming a safari.
44:12 Speaker 03 Yeah, so I...
44:13 Caleb Hammer? For this, for fifty-five thousand dollars of debt, which is now higher?
44:16 Speaker 03 So, credit card and loan debt is like, what, twenty-six thousand dollars? And then my car payment is the other twenty-four thousand dollars, right?
44:26 Caleb Hammer? You got more on credit...
44:28 Speaker 03 No, sorry. I thought you were...
44:30 Caleb Hammer? Away! Away!
44:30 Speaker 03 Ah! Don't get by me.
44:33 Caleb Hammer? Oh yeah, yeah, stop touching my [BLEEP] dude.
44:34 Speaker 03 Just like my mom, I'm telling you.
44:36 Caleb Hammer? Yeah, it's almost like you should have learned your lesson.
44:38 Speaker 03 Ah, I didn't. I'm even worse now. Thanks, Mom.
44:42 Caleb Hammer? Okay, so you did not answer my question by any means. Great. Okay, wonderful.
44:46 Speaker 03 Oh, no, yeah. So I used to be a credit card person. I used to pay it down. I did this trip. Then, I... My freaking engine blew, so I had to get another car. I bought this Honda CR-V that I love, and it's beautiful and amazing. And so my car payment went up like double. Then, my landlord wouldn't fix my toilet, and I'm living like white trash over here in this apartment. So I got a house to live in. And so now it's all over the place. Like, I have no...
45:15 Caleb Hammer? Oh, what the [BLEEP] kind of coke-ass excuses are these?
45:17 Speaker 03 Oh, yeah. Oh, no, it's not an excuse. This is the reason. Because I spend, and I'm not able to pay it off.
45:25 Caleb Hammer? You're not a credit card person. Use the FIS card, debit card that builds credit.
45:28 Speaker 03 Got it.
45:29 Caleb Hammer? And if you also decide to ever get a job that [BLEEP] makes money...
45:31 Speaker 03 No.
45:32 Caleb Hammer? Um...
45:33 Speaker 03 No, thank you.
45:34 Caleb Hammer? Then I will gift you a course career certification.
45:36 Speaker 03 Oh, I'll do that. Yeah, I wanted to do accounting. I was looking at it the other day.
45:39 Caleb Hammer? Accounting, I'll get you it for free!
45:41 Speaker 03 Yes!
45:43 Caleb Hammer? Okay, yeah, so all that interest is about to start accruing like crazy. Balance is higher than it... The statements you sent in, so that's wonderful. Okay, Capital One Venture, what's going on here, lady?
45:53 Speaker 03 I got a lot of auto pays on that, so I pay my insurance.
45:57 Caleb Hammer? $1,391.68 of auto pays?
46:01 Speaker 03 I mean, maybe.
46:02 Caleb Hammer? Cause that was the purchases you did.
46:03 Speaker 03 Yeah.
46:04 Caleb Hammer? By the way, is substantially more than you put towards the card in terms of any kind of payment. Oh, it's maxed out. That's wonderful. Well done. $29.08 of interest accruing. She looks confused that I say maxed out. You're right. Technically, there's a $30 thing on there. You go to McDonald's one and a half times.
46:20 Speaker 03 I just didn't. Oh, yeah. My Capital One. Yeah, yeah, yeah, yeah. That is. Sorry. I get my credit cards confused because I got a lot.
46:27 Caleb Hammer? Yep. We really trust the savings thing. You're really adamant about. $4,957.82 is the balance of the minimum monthly payment of $78. So what's actually going on with this? It's not just minimum monthly payments. There's no way, unless your minimum monthly payments are insane. Your auto payments are.
46:44 Speaker 03 $4,100 is a balance transfer offer. Yes, I'm the queen.
46:49 Caleb Hammer? Dude.
46:50 Speaker 03 For nine months.
46:51 Caleb Hammer? Doesn't make sense. You're just, you're never making progress in your life whatsoever.
46:57 Caleb Hammer? No, legitimately. You're okay with that?
46:59 Speaker 03 No.
47:00 Caleb Hammer? Then why do you do it? Cause you're doing it. You're choosing to do it. You just did it. I just saw your phone. Since you sent the statements and you've literally done it.
47:07 Speaker 03 So I actually didn't realize how bad my debt was until I, yeah, until I pulled everything and I calculated it.
47:14 Caleb Hammer? Oh.
47:15 Speaker 03 Thought it was like, to be honest, like 12,000 or less debt of, of credit, of bad credit card debt.
47:22 Caleb Hammer? How are you so off? How are you so off?
47:25 Speaker 03 Well, the bad credit card debt's like $21,000, right? Cause I just, it was like I was blind to it. It was like I go online and I see my accounts and I pay off my accounts and stuff. Or not pay them off, but I paid towards my accounts, but I just wasn't, it was like I wasn't taking it in.
47:43 Caleb Hammer? Credit card debt that you then transfer on European trips, Amsterdam, Paris, Dublin, and then your, your stupid African trip.
47:51 Speaker 03 Yeah.
47:52 Caleb Hammer? A couple of years ago. This is just crazy. You're traveling endlessly. How often are your travels? And then you've spent it all on a card. Let it sit there. Don't do anything other than the minimum payment until the interest starts to occur and then you transfer it. Which is do that over and over again until you can't.
48:06 Speaker 03 Yes, that is the goal.
48:08 Caleb Hammer? That's the goal. I thought you said you didn't like it.
48:11 Speaker 03 I don't, I was.
48:12 Caleb Hammer? Then why do you do it? You have not answered that question. Why do you do it? 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 Weebly. 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
48:53 Caleb Hammer? account that I've switched over from SoFi and it's called Chime. 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.
49:36 Speaker 03 Cause in the moment, instead of paying that $60 a month for month after month, you do the balance transfer offer and it's like 1% transfer fee. So you pay like $200.
49:49 Caleb Hammer? That's insane though.
49:50 Speaker 03 Well, you pay the 200 and then if you
49:56 Speaker 03 if you have four months, okay, I was.
49:59 Caleb Hammer? You don't pay it off in time for any kind of.
50:01 Speaker 03 Oh, I see what you mean. Yes, yes, yes, yes.
50:03 Caleb Hammer? What do you mean? What else did I? Okay, fine. No, no, no, no, no. So listen, you literally just did this before coming on the show. You took that action.
50:11 Speaker 03 Yes.
50:13 Caleb Hammer? Walk me through that moment.
50:14 Speaker 03 Oh, wait, what did I do before we came?
50:16 Caleb Hammer? Oh, you just transferred to the previous card, you.
50:20 Caleb Hammer? You tit, listen, you just transferred because remember?
50:23 Speaker 03 Oh, that city card. I'm so sorry. I thought you were talking about the Capital One. We're all over the place here and I'm already all over the place.
50:30 Caleb Hammer? Walk me through it. You made that decision to just do that before coming on the show where you knew you'd be called out for it? Even though you yourself are saying you do not like doing it and you do not want to do it.
50:41 Speaker 03 It's a necessary evil at this point because I've gotten in the cycle. So I'm cycling through it. I'm an experienced person. And I grew up Jehovah's Witness. I was in a cult. Now I'm out. White trash Jehovah's Witness cult. I've succeeded. I mean,
51:04 Speaker 03 I don't have any broken down cars in my yard.
51:08 Caleb Hammer? Oh.
51:09 Speaker 03 Do you?
51:10 Caleb Hammer? No.
51:11 Speaker 03 Good. Don't you hate when people park up by their front door, like in their yard? It's a Florida thing.
51:17 Caleb Hammer? Very weird.
51:18 Speaker 03 Yeah.
51:18 Caleb Hammer? I don't live in those areas.
51:19 Speaker 03 The old apartment I lived in, that's the kind of area it was in.
51:23 Caleb Hammer? Yes. Very good.
51:25 Speaker 03 Slum lords.
51:26 Caleb Hammer? Right.
51:29 Speaker 03 Yeah, it's good time.
51:30 Caleb Hammer? Oh, this is where you learn your tax strategies from your dad?
51:32 Speaker 03 Oh, yeah.
51:33 Caleb Hammer? Your dad's never paid taxes because he's Jehovah's Witness?
51:35 Speaker 03 No, I mean, I don't think they correlate. I think he just didn't pay taxes.
51:39 Caleb Hammer? That's what was just typed to me.
51:40 Speaker 03 Oh, I mean, I think it's two separate things.
51:44 Caleb Hammer? He's never paid his taxes.
51:45 Speaker 03 As far as I know, he didn't.
51:46 Caleb Hammer? I know you're in chat.
51:47 Speaker 03 Oh, wait a second. I know that he did because he worked for Disney, like helping build 20,000, 20,000 Leagues Under the Sea. So back in the day, maybe he did. But as far as I know, when he had his own business, like growing up, as far as I know, he did not pay taxes because when I went to go sign up for college, they need your parents' tax return. So that's when I learned because my mom never had a job where she could pay taxes. It was always like under the table kind of thing. So I've. I learned from them to file my taxes. I know that it's super important.
52:22 Caleb Hammer? Okay, gotcha. Let's see your purchases that were done on here. Our auto renews or whatever you said.
52:30 Speaker 03 Oh, you're gonna love this. It's gonna be great.
52:32 Caleb Hammer? I'm sure I will. I'm so excited. PayPal and Hulu, Paramount, what the, why are you getting Paramount, dude? Boxi, Charm Biffy.
52:42 Speaker 03 Yipsy.
52:43 Caleb Hammer? Great. Ride Paris, Microsoft 365, that's fine. Little Caesars, lots of Uber trips in here. Universal Orlando. Universal Orlando for $734! Sunpass, Sunpass? Where you [__] go to Universal for $734? You live there, how much you need to [__] do that, you tat?
53:04 Speaker 03 It's for Halloween Horror Nights, which is a must.
53:07 Caleb Hammer? What?
53:08 Speaker 03 It's a must. I must see you in the fog. Don't go alone. Except I go alone.
53:14 Caleb Hammer? I don't know what you're saying!
53:17 Speaker 03 Taglines from Halloween Horror Nights.
53:18 Caleb Hammer? Oh, [__] you're terminally online, aren't you? Because you're so alone.
53:21 Speaker 03 Yeah.
53:22 Caleb Hammer? I hear it.
53:23 Speaker 03 Mm-hmm.
53:26 Speaker 03 I'm online watching this show.
53:28 Caleb Hammer? Well, thank you. I appreciate it. Listen, again, that's nothing, nothing's wrong with being alone. Alone, alone's great if you choose to do it.
53:33 Speaker 03 Oh, I love it. It's good.
53:34 Caleb Hammer? Everyone's journey is their own. I support everyone's choice to do whatever they want to do. It's not bad. It's not sad. I don't give, you live your life. But I can tell through your language that you do not spend a single second not in front of a screen.
53:46 Speaker 03 I mean, I just watch a lot of-
53:48 Caleb Hammer? Except for Halloween Horror Nights where you spent $800.
53:50 Speaker 03 I watch a lot of YouTube, like, true crime videos, so I'm always on YouTube.
53:56 Caleb Hammer? World Market, and there's Premium, yes she is, and Miller's Ale House Forder.
54:01 Speaker 03 Miller's Ale House? It was food.
54:05 Caleb Hammer? Great, so just bullshit, bullshit, bullshit all day. There's your $255 of fees because of your transfer at one point, at some point this year, and then $46.95 of interest.
54:17 Caleb Hammer? Oh, and Little Sisters, I don't know if I said that.
54:19 Speaker 03 What? What was the last thing? Okay, not important. I've already been three times and it's magnificent. It's a past.
54:28 Caleb Hammer? You've been. Get out of debt instead. You wanna stop the transfers, maybe? I mean, what do you mean, maybe?
54:37 Speaker 03 I can't fight you.
54:38 Caleb Hammer? Huh?
54:39 Speaker 03 I said, I can't fight you. Yeah.
54:41 Caleb Hammer? Yeah, cuz that's the most basic ass thing you could do. Don't spend $700 you don't have. What was it? Yeah, $750 you don't have. You'll spend money there. You'll get food, you'll get drinks.
54:52 Speaker 03 I don't spend. No, I don't. I buy candy, so I'll buy like three or $4 worth of the bowl candy. Their food's not really worth it, to be honest with you.
55:01 Caleb Hammer? No, it's not, but neither is going when you've already been and you have debt that is accruing at 30% interest.
55:07 Speaker 03 Yeah.
55:07 Caleb Hammer? And a lot of more debts are gonna be start accruing at 30% interest, starting in literally just like a few weeks from now.
55:13 Speaker 03 November 1st?
55:14 Caleb Hammer? November 1st. Spooky season will be done.
55:18 Speaker 03 I know.
55:19 Caleb Hammer? Yours will just be starting.
55:20 Speaker 03 I'll be sad.
55:24 Speaker 03 Womp womp.
55:28 Caleb Hammer? And she's.
55:29 Speaker 03 Oh, no.
55:30 Caleb Hammer? Throwing out womp womps.
55:31 Speaker 03 Womp womp. That's my life. My motto. My theme song.
55:35 Caleb Hammer? I'm gonna die. My theme song after filming an episode like this sounds like a trigger being pulled. Affirm.
55:43 Speaker 03 Gun jokes in Texas. Wah. We got him in Florida, too.
55:47 Caleb Hammer? Yeah.
55:48 Speaker 03 Yeah, yeah, yeah, yeah. I ain't hatin'.
55:50 Caleb Hammer? Oh, good. We owe $500 on some affirm, but it started at 6,000. What was it? Nair my plastic surgeon? What did you get? You look your age. What's been done?
56:02 Speaker 03 Maybe I had a facelift.
56:05 Speaker 03 No, don't make a joke. Um, I didn't want you to be like, clearly you're doing it, or you're ugly, or whatever.
56:12 Caleb Hammer? No, you just literally look your age. So I'm like, what happened?
56:14 Speaker 03 Um, so I got a tummy tuck. I skipped my yearly vacation last year, and I got a tummy tuck in December.
56:21 Caleb Hammer? Is that, is that the little skin removal?
56:23 Speaker 03 Mm-hmm.
56:24 Caleb Hammer? So you lost weight?
56:26 Speaker 03 I was.
56:28 Speaker 03 Not recently.
56:29 Caleb Hammer? But a long time ago.
56:30 Speaker 03 Yeah. I flexed. Yeah, yeah, yeah, yeah.
56:33 Caleb Hammer? You're flapping skin. Flaps and skin, okay.
56:35 Speaker 03 Flappies. My flaps were flapping. I know. I shouldn't have said that. I know. That can be the thumbnail.
56:45 Caleb Hammer? Again, age gap. Listen, age gap.
56:48 Speaker 03 Well.
56:52 Caleb Hammer? I'll, I'll do 10 years.
56:53 Speaker 03 I'll say, um, with the tummy talk, the, so not only did it make my stomach look and I just feel so much better about myself, even though I'm like the only one that sees me naked.
57:04 Caleb Hammer? Or $6,000.
57:06 Speaker 03 Seven thousand technically. No, I don't date. No, I'm good.
57:09 Caleb Hammer? When's the last time you've been with someone?
57:11 Speaker 03 Ew, like three years ago.
57:14 Caleb Hammer? Desperation or just like, ooh, let's try to live life a little.
57:17 Speaker 03 I guess it was desperation. Let's call it that.
57:19 Caleb Hammer? Why'd you do it?
57:20 Speaker 03 It was the long con. We can save it for the after show if you want. It's a story. I told her. Did I tell you? No, I think I told another girl. I've been telling people.
57:32 Caleb Hammer? You think all gingers look alike?
57:33 Speaker 03 People need to know. No, I just was telling somebody today, so I just got it with her. No, oh my God, no, I'm good.
57:39 Caleb Hammer? You have not met a person in three years.
57:42 Speaker 03 Eleven. I've been single for 11 years. And I met one person three years ago. And then been finned.
57:50 Caleb Hammer? This is a finance show, so we're gonna talk about her sex life.
57:55 Caleb Hammer? What made that happen?
57:57 Speaker 03 It was the long con, so we were friends for years.
58:02 Caleb Hammer? Was it Mickey?
58:02 Speaker 03 And then he got a divorce. Mickey Mouse.
58:05 Caleb Hammer? Oh, you fucked your friend?
58:07 Speaker 03 He, we were hanging out together for months and then.
58:11 Caleb Hammer? Was it a one timer?
58:12 Speaker 03 No, we started hooking up.
58:16 Speaker 03 Technically, I did.
58:17 Caleb Hammer? Whoa. So seven years of dry spell were like.
58:22 Speaker 03 No, nine years at that time.
58:24 Caleb Hammer? Yikes.
58:25 Speaker 03 And he totally took advantage and really screwed me over like crazy.
58:29 Caleb Hammer? What does that even mean? What, it was screwing over? You were just.
58:34 Speaker 03 I think we should save this for the after show.
58:36 Caleb Hammer? We'll save this for the post show is what it's called. Okay.
58:38 Speaker 03 Oh, sorry.
58:38 Caleb Hammer? If you want the rest of the tea, we'll save it for the after show.
58:42 Speaker 03 It's a good one. It's a good one.
58:45 Caleb Hammer? I hope so.
58:48 Speaker 03 Unlike my credit card debt.
58:50 Caleb Hammer? Okay.
58:50 Speaker 03 Oh, but real quick with the tummy tuck. So although I look and I feel so much better.
58:55 Caleb Hammer? Good.
58:56 Speaker 03 Um, I've always had back problems, like very bad back problems. I have like an L3, whatever the hell. Since they stitch up your abs when they do the tummy tuck. I haven't had back pain in eight months. I had.
59:10 Caleb Hammer? It's wonderful.
59:10 Speaker 03 It's amazing. Yeah.
59:12 Caleb Hammer? Okay.
59:12 Speaker 03 Dude, it was debilitating.
59:13 Caleb Hammer? Yeah, yeah.
59:14 Speaker 03 Yeah, it was crazy. So yeah, I feel better.
59:17 Caleb Hammer? Can't get your back blown out when it's already blown out, right?
59:19 Speaker 03 LOL. That's true.
59:22 Caleb Hammer? All right.
59:23 Speaker 03 If they do it right.
59:24 Caleb Hammer? Drop in literal verbal LOLs. Okay.
59:27 Speaker 03 LOLs.
59:28 Caleb Hammer? Jeez.
59:29 Speaker 03 So technically the tummy tuck was 10,000 all in all, including aftercare, post massages and undergarments.
59:37 Caleb Hammer? Since we're both millennials, let me DH myself real quick. Six, seven. Okay, we're good.
59:45 Speaker 03 Let's go.
59:48 Speaker 03 He hates me. I hates me.
59:50 Caleb Hammer? I don't.
59:51 Speaker 03 I always say, nobody will ever hate me more than I hate me. So good luck.
59:55 Caleb Hammer? You sure about that? You sure about that?
59:58 Speaker 03 Kayla.
59:58 Caleb Hammer? Oh, yay.
1:00:00 Speaker 03 I know.
1:00:01 Caleb Hammer? Joyful. What's your minimum monthly payment on this?
1:00:04 Speaker 03 $500, but I have one more payment. Yeah, today, uh, this month, the 18th.
1:00:10 Caleb Hammer? Very good. I want to incorporate that into your minimum monthly payments then. Okay, City Simplicity, what's going on with this? City Simplicity, what's going on with this?
1:00:17 Speaker 03 Um, I don't know. I just put a lot of charges on it.
1:00:20 Caleb Hammer? Oh, good. Well done.
1:00:22 Speaker 03 So that one is just random charges.
1:00:24 Caleb Hammer? You made a minimum monthly payment last time and then you purchased $607. You had a credit of three bucks, $73 of interest group.
1:00:34 Speaker 03 What?
1:00:34 Caleb Hammer? You're over the limit by $162.26. Oh, for, here it is. $4,162.26 with a minimum monthly payment. Minimum monthly payment of $277.84. Why? This takes 20 years to pay off. 20 years to pay off.
1:00:58 Speaker 03 I've never looked at that statement.
1:00:59 Caleb Hammer? Great. Why would we look at statements that we are spending on?
1:01:02 Speaker 03 I should do that.
1:01:03 Caleb Hammer? You should do that because you're over the limit. You're going to get fees up to, oh my. Okay, we got some Klarna on here. We got Pure Beauty, more Klarna, Afterpay. Listen, here's the thing, here's the thing, here's the thing, let me tell you. She goes, she Afterpay, she Klarna's, okay, well done. Instead of making her payments of her Klarna Afterpay, she puts it on a credit card, she pays her debt with debt, and then she transfers that debt to another card, lets it accrue, and then all of a sudden, she pays the fee and transfers it to another credit card, and then she transfers it to another credit card, until the end of time, until she pays. One perfe- one per-
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1:02:09 Caleb Hammer? 1% balance visa until the end of day. And the balance only goes up because of the 1% fee, so every few months it goes up by 1% endlessly, forever. That's how we pay for our Klarna. Well done. That's wonderful.
1:02:22 Speaker 03 It seems much simpler than that when I'm doing it.
1:02:25 Caleb Hammer? Klarna Afterpay, Pure Beauty, Klarna. Issues, Wendy's, go in and get his a bullsh- Get his a bullsh- Wendy's, Peacock Premium. Why? I don't know, I guess the new office show's coming out today, I'm excited to see it, but we'll see.
1:02:39 Speaker 03 Paperclip or something, what's it called?
1:02:41 Caleb Hammer? Calm down. Five below Dunkin-
1:02:45 Speaker 03 Dunkin' Donuts, I love their frozen coffee.
1:02:49 Caleb Hammer? Okay.
1:02:50 Speaker 03 It's good.
1:02:50 Caleb Hammer? Klarna Panda Express, Poppies, Popeyes, what the fuck am I saying? Go in and get his a bullsh- Get his a bullsh- Get his a bullsh- And Afterpay. What are we doing? Interest accrue is $500 this year so far.
1:03:04 Speaker 03 That's a lot of money.
1:03:05 Caleb Hammer? Why are you allowed to even consider yourself to spend this much money?
1:03:10 Speaker 03 I don't know.
1:03:11 Caleb Hammer? Cards you can't pay off that is now over maxed out while you just blow all your time doing a hobby. What a joke of a life you're living right now.
1:03:20 Speaker 03 Yeah. I'm a clown.
1:03:25 Caleb Hammer? Okay, okay. So here is a judgment then, and this is more of a question than a judgment. Again, I don't care about the, uh, you know, I could be alone together forever. Like, I don't care. If we want to, if that's how we want to live, that's fine. Again, that doesn't matter.
1:03:39 Speaker 03 I don't want to be alone forever. I've just been alone for 11 years and I'm okay with that. I'm not gonna settle.
1:03:46 Caleb Hammer? You suggested you were okay with.
1:03:47 Speaker 03 Oh, I am okay with that. Yeah, yeah, yeah, yeah. I.
1:03:50 Caleb Hammer? In the future.
1:03:51 Speaker 03 Yeah, I'm open to, I've been open, but I've been really focusing on like building.
1:03:55 Caleb Hammer? You've been opened three years ago, but that was the last time.
1:03:58 Speaker 03 Yeah. That really put me in a bad way.
1:04:03 Caleb Hammer? In the after show, I'm asked.
1:04:06 Speaker 03 Post show.
1:04:08 Caleb Hammer? I'm asking because you're alone, which inherently is not a bad thing. Because you have no one to rely on you because you don't have that other half or anything. Do you not have as much care to clean this up? Cause you're living your life like a way where you don't give a [BLEEP]. Is there nothing to achieve? Nothing to care for? Nothing that you are ambitious towards? I don't know. Is there no incentive here?
1:04:40 Speaker 03 There is none. And there's nobody to hold me accountable. My two cats are very bad at that.
1:04:45 Caleb Hammer? But I'm talking about you wanting to improve your life for a reason.
1:04:49 Speaker 03 Yeah. Well, so, well, not only because I just didn't realize how much credit, bad credit card debt that I have, um.
1:04:56 Caleb Hammer? But why do you even care?
1:04:58 Speaker 03 Because, well, it's bad. And I don't want it to get big.
1:05:03 Caleb Hammer? Why? Why does it matter to you?
1:05:05 Speaker 03 Cause, uh, I just don't want it to get out of control. And I am open to like having a relationship, but I'm not trying to bring this into the, no, I'm not. Well, also, I'm not trying to bring this into the relationship. I don't want them to bring 20 or 50,000 with a car into their relationship.
1:05:24 Caleb Hammer? You don't like take someone's debt in a non-legal way.
1:05:27 Speaker 03 Yeah.
1:05:27 Caleb Hammer? Like when in your first year or two dating.
1:05:30 Speaker 03 But when you date somebody, you like help each other out. So.
1:05:33 Caleb Hammer? Yeah, but not, not, not in like your first, at least few months.
1:05:37 Speaker 03 Yeah, no, no, no.
1:05:38 Caleb Hammer? So you can still get out there. Okay. You're just spending like nothing matters and you have no incentive to change. Cause you don't, unfortunately. Listen, we're at like a 30% interest for this.
1:05:50 Speaker 03 Yeah.
1:05:51 Caleb Hammer? All right, built.
1:05:52 Speaker 03 Yes.
1:05:54 Caleb Hammer? This is like the rent pay card, isn't it?
1:05:56 Speaker 03 Yes.
1:05:57 Caleb Hammer? They'll sponsor us. Come on, dude.
1:05:59 Speaker 03 Oh, my gosh. They totally should.
1:06:01 Caleb Hammer? I agree. They totally should.
1:06:03 Speaker 03 Totally.
1:06:04 Caleb Hammer? Okay, well, at least you're not maxed out. $2,728.68. Oh, you purchased $4,011. You'd think it's all rent, but I have a lot of highlights below, meaning it's not all rent. Oh, $28 your minimum monthly payment.
1:06:22 Speaker 03 I usually don't use that card.
1:06:23 Caleb Hammer? This one looks like it's normally paid off, so I'm... Oh, well, actually, never mind. If you normally don't, then I'm gonna actually count it towards the debt. So never mind. Keeping it. 14 years to pay off. Sorry, Draven. Taco Bell, Bath and Body Works, Margaritaville.
1:06:37 Speaker 03 Oh.
1:06:38 Caleb Hammer? In-flight sales. OvPay. OvPay?
1:06:42 Speaker 03 What is that? OVPay?
1:06:44 Caleb Hammer? Pay. Euro currency?
1:06:46 Speaker 03 To go on the tram in the Netherlands.
1:06:48 Caleb Hammer? Oh, good death. You just did that?
1:06:50 Speaker 03 Yeah, maybe I went in June.
1:06:54 Speaker 03 The Margaritaville, though, was like $400, but it's only because we had a cabana, and they put it all on my card, but everybody paid me back.
1:07:04 Caleb Hammer? Who's "we"?
1:07:05 Speaker 03 "We" is a bunch of wedding vendors. We had a pool day at Margaritaville. We got cabanas, and we drank and ate and swam.
1:07:16 Caleb Hammer? Tony's Chocolate, Netherlands.
1:07:18 Speaker 03 Tony's Chocolate's the best.
1:07:19 Caleb Hammer? Station souvenir in Paris. El Crapere, Paris. Vanguard Distributed Vanguard... Paris, I don't know. Going in against the bullsh... Bernard's Market.
1:07:33 Caleb Hammer? Currency exchange, currency exchange, currency exchange, currency exchange, currency exchange, currency exchange, currency exchange, high-end residency. This is crazy. That was $1,000. You can't afford this trip. You're drowning in debt. Your business doesn't make money, and you only make $44,000, like, below the median net income for that area?
1:07:54 Caleb Hammer? What the fuck are you doing going on a big European trip at forty-two? Who the fuck do you think you are?
1:08:00 Speaker 03 Queen Elizabeth. The Hyatt from Netherlands was-
1:08:04 Caleb Hammer? Are you suggesting that you're-
1:08:06 Speaker 03 Day. Um, I actually paid two nights with points, so they did refund that on the next statement.
1:08:13 Caleb Hammer? Huh?
1:08:14 Speaker 03 So the Hyatt charged for a thousand dollars?
1:08:17 Caleb Hammer? No, not for, no.
1:08:19 Speaker 03 Oh, it was for one thousand dollars. So, one night was supposed to be paid with cash and then two nights were, um, points and they messed that up, but they did credit me on my next day.
1:08:31 Caleb Hammer? But the whole point of this card is to pay your rent on it. You're just going and blowing all this money in Europe.
1:08:35 Speaker 03 You, I used it as my zero percent foreign transaction fee card, so instead of-
1:08:40 Caleb Hammer? You're spending some money still, so, oh, there were transactions at a minimum.
1:08:44 Speaker 03 But the no fees.
1:08:45 Caleb Hammer? No fees, but you shouldn't have gone. You can't afford it in any way whatsoever.
1:08:48 Speaker 03 My points were expiring.
1:08:50 Caleb Hammer? That should have been a reward trip after you got out of debt and had a fully funded emergency fund.
1:08:54 Speaker 03 I'm gonna go to Antarctica.
1:08:55 Caleb Hammer? Okay, that's not booked.
1:08:57 Speaker 03 Not now. No, no, no. When I get out of debt.
1:09:00 Caleb Hammer? Yeah.
1:09:00 Speaker 03 I'm gonna get back into twenty thousand dollars debt.
1:09:02 Caleb Hammer? That's more your weather.
1:09:03 Speaker 03 Going to Antarctica. Yeah, I'm gonna wear a jacket and a cap.
1:09:10 Speaker 03 And seal, seal skin pants, you know, the drill.
1:09:15 Caleb Hammer? Okay.
1:09:16 Speaker 03 It's what they wear, right?
1:09:16 Caleb Hammer? Stop.
1:09:17 Speaker 03 Okay.
1:09:18 Caleb Hammer? Southwest Rapid Rewards. What's going on with this lady?
1:09:23 Speaker 03 I love Southwest. I flew them here and I will fly them home.
1:09:27 Caleb Hammer? I've never heard someone say they like Southwest.
1:09:29 Speaker 03 I love Southwest. My only problem is that they don't let you choose your seat in advance, but they're starting to do that, which actually kinda sucks.
1:09:35 Caleb Hammer? Isn't that a pretty big thing that you would want to do?
1:09:37 Speaker 03 Hell, yeah. I do because I like a window seat and I'd like to know where I'm sitting. Cause their customer service, like the guy yesterday when I flew here was acting like the Grinch. And it was fantastic. He was like being real mean and calling people-
1:09:52 Caleb Hammer? I love the Grinch in September.
1:09:53 Speaker 03 Hey, I love the Grinch all year round.
1:09:55 Caleb Hammer? That's what I like to see leading up to nine eleven, someone going crazy on an airplane.
1:10:00 Speaker 03 Yeah. He was being real rude, calling people needy. It was fantastic.
1:10:05 Caleb Hammer? It's so needy. This plane needs to go down.
1:10:06 Speaker 03 Yeah. It wasn't the pilot, luckily. You needy bitches.
1:10:10 Caleb Hammer? They weren't the ones who did it.
1:10:12 Speaker 03 Oh, yeah, that's true. It wasn't the flight attendants.
1:10:15 Caleb Hammer? They weren't the ones who did it.
1:10:16 Speaker 03 Oh, yeah, you're right. It was our government.
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1:10:44 Caleb Hammer? That is... that one is... I would go off-brand.
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1:11:15 Caleb Hammer? Forty-dollar minimum monthly payment on this? Oh, for [bleep]. Four hundred and sixty-one dollars and thirteen cents.
1:11:22 Speaker 03 Yeah. I do the snowball method, so I'll have that paid off.
1:11:26 Caleb Hammer? What do you [bleep] mean when you say you do? You don't do a method.
1:11:30 Speaker 03 I like to pay the small ones.
1:11:32 Caleb Hammer? You're blowing money. What? Blowing money on credit cards in Europe, you [bleep]. What is your snowball method? You've never heard of snowballs in your life, other than your Antarctica trip?
1:11:40 Speaker 03 I like to pay the small ones first.
1:11:42 Caleb Hammer? What do you mean, you pay? You spent on this, you [bleep].
1:11:44 Speaker 03 Oh, yeah, but then I pay it.
1:11:45 Caleb Hammer? No, you don't, not always. That's not true. This takes thirteen months to pay off. You've never heard of snowball method? You've had interest accrue this year so far. You don't always pay it back. David Ramsey does not agree with your snowball method.
1:11:56 Speaker 03 That guy, he stole my bike.
1:11:59 Caleb Hammer? David Ramsey?
1:12:00 Speaker 03 Yeah. I don't know what his problem is.
1:12:05 Caleb Hammer? He stole your bike?
1:12:06 Speaker 03 I'm just kidding. I could've said he got me pregnant.
1:12:09 Caleb Hammer? What was the joke? He got you pregnant?
1:12:12 Speaker 03 And then he stole my bike. How am I gonna get to the hospital and have this baby?
1:12:17 Caleb Hammer? Is this a forty-two-year-old joke that I just have never heard of before?
1:12:20 Speaker 03 No.
1:12:21 Caleb Hammer? I've missed this one.
1:12:22 Speaker 03 I'm bad at jokes. I try, though.
1:12:25 Caleb Hammer? Oh, you're okay. Honestly, just a little, you know, in this kind of conversation, that personality annoys me. And I'm okay with it outside of here. But that, it just wasn't, that, what even was that?
1:12:36 Speaker 03 Whenever.
1:12:36 Caleb Hammer? Okay, okay, okay, over here to pay off. Good, Amazon, all glammed up.
1:12:43 Speaker 03 Yep.
1:12:43 Caleb Hammer? Dowin' curb, La Madeleine.
1:12:47 Speaker 03 Mm-hmm.
1:12:47 Caleb Hammer? Going in and getting some bull, going in and getting some bull.
1:12:50 Speaker 03 French pastries. Wee-wee.
1:12:53 Caleb Hammer? Okay.
1:12:57 Caleb Hammer? Okay, yeah, sure. Pull up your Amazon for me, if you may, please.
1:13:03 Speaker 03 So we do share, so I use my work through my day job, my full-time office job. We have the Amazon.
1:13:13 Caleb Hammer? How many? Well, I wouldn't know what's yours, then. Tell me what's yours.
1:13:17 Speaker 03 Well, I buy scar tape for my scar.
1:13:22 Caleb Hammer? How big is it?
1:13:23 Speaker 03 My scar?
1:13:24 Caleb Hammer? So you have to wear it constantly?
1:13:26 Speaker 03 It's scar tape, so it helps get rid of your scar.
1:13:28 Caleb Hammer? Will it?
1:13:29 Speaker 03 Yeah, I hope so. Because I also use the cream with it. That's what my doctor recommended. Oh, I bought air filters for my house.
1:13:36 Caleb Hammer? Okay.
1:13:37 Speaker 03 I bought, wow, we buy a lot of stuff. Oh, I bought a hand passing cord, where the couple will have their hands tied together when they, um... Oh, I bought a filter for my car.
1:13:49 Caleb Hammer? That weirdy did that.
1:13:51 Speaker 03 Oh, no, I'm sorry. I bought AC filters for my house, and then I bought a cabin air filter for my car. Wow, we, okay.
1:13:58 Caleb Hammer? You endlessly pay a shit-ton of money on Southwest to go to South Dakota?
1:14:02 Speaker 03 I love South Dakota.
1:14:05 Caleb Hammer? What are you?
1:14:07 Speaker 03 I love it. It's my home away from home. You can get a really good deal going
1:14:12 Caleb Hammer? Cause it's South Dakota.
1:14:13 Speaker 03 Orlando to Denver and then you rent a car in Denver and you drive up to South Dakota.
1:14:18 Caleb Hammer? Not close.
1:14:19 Speaker 03 Yeah, it's like three or four hours. It's three and a half hours.
1:14:22 Caleb Hammer? Okay.
1:14:24 Speaker 03 To get to South Dakota from Denver.
1:14:25 Caleb Hammer? The border.
1:14:26 Speaker 03 Way better than fly. No, to get to the Black Hills of South Dakota where I go. Near Mount Rushmore.
1:14:31 Caleb Hammer? You always.
1:14:32 Speaker 03 Custer State Park.
1:14:33 Caleb Hammer? Orlando, Africa.
1:14:36 Speaker 03 Yeah, what?
1:14:37 Caleb Hammer? Black Hills.
1:14:38 Speaker 03 Yeah, the Black Hills.
1:14:39 Caleb Hammer? I think I know your type.
1:14:40 Speaker 03 Yeah. What? Country? White trash?
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1:15:16 Caleb Hammer? BBC.
1:15:17 Speaker 03 My type. Big, whoa.
1:15:21 Speaker 03 What? What is it? I don't know what that means. BBC.
1:15:25 Caleb Hammer? By the way, it's a six hour drive via the maps.
1:15:27 Speaker 03 It's a six hour drive?
1:15:28 Caleb Hammer? She doesn't even know.
1:15:29 Speaker 03 There's no, no. Driven it many times.
1:15:31 Caleb Hammer? She doesn't even know time. She doesn't even know time. Okay.
1:15:37 Speaker 03 I could swear I drove it in four, three and a half, four hours.
1:15:41 Caleb Hammer? Uh, 670 miles. We clocked it six hours, two minutes if you leave right now.
1:15:46 Speaker 03 Interesting.
1:15:48 Caleb Hammer? Okay, PayPal. Business loan. Oh, you have a business loan for the business that makes no money?
1:15:53 Speaker 03 Yeah.
1:15:55 Caleb Hammer? Oh, why?
1:15:57 Speaker 03 Why not?
1:15:58 Caleb Hammer? Cause the business makes no money.
1:16:00 Speaker 03 Yeah.
1:16:01 Caleb Hammer? Be my why not?
1:16:01 Speaker 03 I feel like the business does make money.
1:16:03 Caleb Hammer? Oh.
1:16:04 Speaker 03 But I.
1:16:04 Caleb Hammer? Cause your taxes didn't say that, which means, which means IRS. Did you hear that? She says her business doesn't make any money when she files her taxes, but she's saying here that she actually makes money.
1:16:15 Speaker 03 I feel like it does. But clearly I need to review.
1:16:20 Caleb Hammer? You feel like a six hour drive is three hours. You feel like you have money in your savings. You don't.
1:16:24 Speaker 03 I do.
1:16:25 Caleb Hammer? Well, you have money, but it's not what you think. Everything is feelings based with you. It doesn't work.
1:16:31 Speaker 03 Yes. What?
1:16:34 Speaker 03 I'm sorry. I spaced out. I do that a lot.
1:16:39 Speaker 03 I disassociate. It's the only way I get around.
1:16:42 Caleb Hammer? Do you go into the office for your job?
1:16:44 Speaker 03 No, we work from home.
1:16:45 Caleb Hammer? Oh, I need you to have human interaction.
1:16:48 Speaker 03 No, I get enough at the weddings.
1:16:50 Caleb Hammer? I guess. That's like not normal. That's like wedding energy.
1:16:54 Speaker 03 Yeah, it's a different person. That lady up there doing weddings is not me.
1:16:58 Caleb Hammer? Okay, so what's the current balance on this? I don't, I don't know. Well, you just took out so
1:17:02 Speaker 03 Um.
1:17:03 Caleb Hammer? Five thousand dollars then.
1:17:04 Speaker 03 Probably like thirty seven hundred.
1:17:06 Caleb Hammer? Payment?
1:17:07 Speaker 03 Yeah.
1:17:07 Caleb Hammer? It's a weekly payment. Death of a hundred one dollars eighty five cents. The interest looks like it's like fifteen.
1:17:15 Speaker 03 I pay it with my credit card. Ah, I don't do that. Just kidding. I knew you'd love that, though. Wahahaha. It shouldn't have any weekly or monthly or any interest because I paid the one-time fee.
1:17:30 Caleb Hammer? Yeah, which is what that is. I'm calculating that.
1:17:32 Speaker 03 Okay, I see what you mean.
1:17:33 Caleb Hammer? Four hundred seven dollars a month.
1:17:35 Speaker 03 Yes, sir.
1:17:36 Caleb Hammer? What did you take this out for?
1:17:38 Speaker 03 To pay down my debts, my business. So I have the advertising that comes out on my one credit card. So I definitely used it for that. And then maybe other stuff. Maybe I used it to go to
1:17:53 Caleb Hammer? Wait, do you not know?
1:17:54 Speaker 03 Europe.
1:17:54 Caleb Hammer? Did you?
1:17:55 Speaker 03 No, I didn't do that. I used my tax return.
1:17:58 Caleb Hammer? What did you take it out for? I'm asking you that question.
1:18:00 Speaker 03 To pay off my debts. So I paid off credit cards. A lot of the, so my Chase bank card.
1:18:06 Caleb Hammer? So well.
1:18:06 Speaker 03 I know.
1:18:08 Caleb Hammer? Doing over and over again and it's never worth once.
1:18:12 Speaker 03 It'll happen one time. I'll get it paid down. I'm excited. I'm ready.
1:18:17 Caleb Hammer? Middle aged, right?
1:18:20 Speaker 03 Yeah, what? And?
1:18:23 Caleb Hammer? Like if it's gonna happen, why hasn't it? You're still, you're in the middle of your life.
1:18:27 Speaker 03 All of this stuff, all of this is literally after two thousand twenty-two. So I just went buck wild, apparently. I just didn't realize like how wild I was going. But I did. And here we are.
1:18:39 Caleb Hammer? Best buy? You have a best buy? Oh! You have a best buy card with a substantial balance? Three thousand two hundred sixty dollars and thirty cents? Why?
1:18:52 Caleb Hammer? What? Let me guess, you needed a laptop to send emails?
1:18:55 Speaker 03 No. Uh, well, I mean-
1:18:56 Caleb Hammer? Thirty-three dollar minimum payment, you purchased thirty-nine dollars and seventy cents for some moronic ass reason. By the way, eighteen years to pay this off, minimum payment without any purchases, which, uh, you purchased.
1:19:11 Caleb Hammer? What the is going on?
1:19:12 Speaker 03 With the Best Buy card?
1:19:13 Caleb Hammer? Yes.
1:19:14 Speaker 03 Um...
1:19:15 Caleb Hammer? Why is it a such a substantial balance? Let's start there.
1:19:18 Speaker 03 So I did a balance transfer offer.
1:19:20 Caleb Hammer? Oh, okay, great. On the Best Buy card, I didn't, who uses that for the-
1:19:23 Speaker 03 They do that.
1:19:24 Caleb Hammer? And then she went to Sonic Drive-In and got gas. What the?
1:19:26 Speaker 03 No, I didn't. I got-
1:19:27 Caleb Hammer? Yes, you did, you did, it's right there!
1:19:29 Speaker 03 Oh, I thought you meant I got gas at Sonic. I got corn dogs at Sonic.
1:19:32 Caleb Hammer? You can't get gas at Sonic!
1:19:33 Speaker 03 I was wondering why you said that. I thought you said you got so- gas at Sonic.
1:19:38 Caleb Hammer? Oh!
1:19:39 Speaker 03 You just talk so fast, I can't keep up. My brain is slow.
1:19:43 Caleb Hammer? Ooh, you're telling me, oh, fuck.
1:19:46 Speaker 03 Like a Sunday morning. It's just slow, you know, slow and chill.
1:19:53 Caleb Hammer? It's Thursday, mother-
1:19:56 Speaker 03 Damn it.
1:19:57 Caleb Hammer? Thirty percent interest, uh, interest rate of death and stupidity and moronic behavior. Hundred fifty-one dollars to fees from the transfer. Okay, when does that interest start appearing from the big balance? Oh, good. Uh, like, five weeks.
1:20:11 Speaker 03 Yeah. Five weeks. Oh, like, November 1st. Mm-hmm. So that card, I had a promotional offer on it from when I purchased probably my last phone a couple of years ago, and it went down to a hundred fifty dollars that I had to pay off, and I didn't notice, and I didn't pay it off, and then one day I woke up and there was twelve hundred dollars in deferred interest on my bill, and I was like, "What?" So I called them, and they took it off.
1:20:42 Caleb Hammer? Really?
1:20:43 Speaker 03 I almost died, though.
1:20:44 Caleb Hammer? You don't deserve that.
1:20:45 Speaker 03 I don't deserve that. And the guy was so nice about it, but he said, "As long as you can pay it off right now," and I was like, "I totally will," because I didn't realize I had just that much. I didn't know I had anything left on that loan. I thought it was zero. So that was a big lesson learned.
1:20:59 Caleb Hammer? Okay, USA Bank-
1:21:01 Speaker 03 Yep.
1:21:02 Caleb Hammer? Credit card. US Bank.
1:21:06 Caleb Hammer? Okay, on this you owe $2,552.52, great. Not that far from max out, $78 minimum payment.
1:21:17 Speaker 03 Woo.
1:21:18 Caleb Hammer? Oh, interest, $52.52 accruing, so what are we doing with this?
1:21:22 Speaker 03 What? Um, I honestly can't remember what I put on that card.
1:21:28 Speaker 03 It was like a year ago.
1:21:30 Caleb Hammer? It's a year ago.
1:21:30 Speaker 03 I'm telling you, my spending, it's just...
1:21:33 Caleb Hammer? $82 fees this year, I don't think this has a... What is that fee for?
1:21:39 Speaker 03 I don't know.
1:21:40 Caleb Hammer? $82 fees, is that late payments?
1:21:42 Speaker 03 Hmm.
1:21:43 Caleb Hammer? $3 of interest?
1:21:46 Caleb Hammer? Which means interest has just started accruing, so your interest free period on something has just ended.
1:21:51 Speaker 03 Yes, okay.
1:21:54 Speaker 03 Um, I don't know what the fee is for, but I'm not really...
1:21:56 Caleb Hammer? So what are you gonna do, transfer this?
1:21:57 Speaker 03 Probably.
1:22:00 Caleb Hammer? Dude, this is what you do over and over again.
1:22:02 Speaker 03 Yeah.
1:22:04 Caleb Hammer? You're never gonna result in any progress in your life.
1:22:07 Speaker 03 Agreed.
1:22:08 Caleb Hammer? Yet you do it.
1:22:09 Speaker 03 Yes.
1:22:10 Caleb Hammer? That means nothing, your agreeing with me does nothing.
1:22:13 Speaker 03 It definitely doesn't take back all the credit card charges. Or prevent any future ones.
1:22:22 Caleb Hammer? Yeah, okay, Chase Ink Card, what's going on with this?
1:22:26 Speaker 03 That's the card that my advertising goes on?
1:22:31 Caleb Hammer? Well, you owe 500 bucks. Yeah, you spent $2.13, yeah, interest accrues, so yes, we're gonna call this a balance. $590.90, minimum payment, $188.76.
1:22:48 Caleb Hammer? Okay.
1:22:50 Caleb Hammer? Fees! $9.02 of fees! For what?
1:22:54 Speaker 03 $9? Did you say $9?
1:22:57 Caleb Hammer? It's last month! $69 this year! Oh, it's a plan fee, a plan fee for Airbnb?
1:23:03 Speaker 03 Yeah.
1:23:05 Caleb Hammer? And then a plan fee for a seduction?
1:23:07 Speaker 03 That's my plastic, uh, my, um, tummy tuck. So I said it was $7,000 because I paid a $1,000. Yeah, yeah.
1:23:17 Speaker 00 New and exclusive holiday decor just launched online at the Home Depot. Check out the viral Grand Duchess collection with smart holiday lights you can control from your phone. Easily customize the twinkle across trees, wreaths, and garlands to match your holiday vibe. Create stunning light effects, then switch it up with the tap of your fingers. Even the man in red will be impressed. Shop the holiday decor you want online only at HomeDepot.com.
1:23:46 Caleb Hammer? Oh.
1:23:50 Caleb Hammer? 21.49% interest rate. Went and got some bullshit things in the supermarket, got some gas.
1:23:58 Caleb Hammer? Something at Honda, I don't know.
1:24:00 Speaker 03 Oh, oil change, always an oil change.
1:24:04 Speaker 03 I drive a lot, so I get, yeah.
1:24:06 Caleb Hammer? What's going on with this?
1:24:10 Speaker 03 How much is that balance?
1:24:11 Caleb Hammer? Okay, $1,014.07.
1:24:16 Speaker 03 Oh, so that's the one that my advertising goes on. I actually don't know.
1:24:20 Caleb Hammer? She spent $863.11, $14.07 of interest is accruing.
1:24:28 Caleb Hammer? Yeah, G Suite, the not worldwide.
1:24:31 Speaker 03 That's advertising, yeah.
1:24:32 Caleb Hammer? Okay, and then the not worldwide, that's advertising, okay. $22 of interest this year so far. Okay, minimum monthly payment is...
1:24:41 Speaker 03 Is credit card interest tax deductible on a business credit card? Cause I don't claim my interest.
1:24:50 Speaker 03 And you're the tax pro.
1:24:51 Caleb Hammer? Actually, I don't know. I'm not the tax, I'm not a tax pro.
1:24:52 Speaker 03 I know, I was kidding, I was kidding, I was kidding. I'm gonna talk to a CPA.
1:24:55 Caleb Hammer? I know, lots of tax questions, but I actually don't know the answer to that.
1:25:01 Caleb Hammer? I mean, someone proposed at some point having all interest on credit cards being tax deductible, but I think that would be...
1:25:07 Speaker 03 That would be us.
1:25:08 Caleb Hammer? That would be ridiculous, because why the [bleep] would we allow someone's
1:25:12 Speaker 03 Yeah.
1:25:12 Caleb Hammer? behavior to be tax deductible and then all of a sudden just never paying off their debt, so stupid. And then it's just, it's just a business that would just be so beneficial to the credit card companies. Like, we're just supporting them as a country and culture, that's so weird.
1:25:23 Speaker 03 Yeah.
1:25:23 Caleb Hammer? Like subsidizing them.
1:25:25 Speaker 03 Amen to that.
1:25:26 Caleb Hammer? I, hmm, I thought the interest itself would be tax deductible, but your payments to the card, maybe, no? Cause then you're spent, mm.
1:25:36 Caleb Hammer? Interest you pay on a credit card is deductible as a business expense if the charges on that card were used solely for a business purpose.
1:25:41 Speaker 03 Wow, that's awesome.
1:25:43 Caleb Hammer? Well, sole proprietor, checked it on Schedule C.
1:25:48 Speaker 03 That's what I file, Schedule C.
1:25:51 Caleb Hammer? Okay, so, yeah, you should be doing quarterly, by the way.
1:25:55 Speaker 03 Oh, okay, I will. Two quarters.
1:25:59 Caleb Hammer? Late fees are not tax deductible, though.
1:26:00 Speaker 03 Yeah. Okay.
1:26:03 Caleb Hammer? Why wouldn't everyone just, okay. Okay, Freedom Card, what's going on with this?
1:26:10 Speaker 03 Freedom. Um, I just have one recurring charge on that.
1:26:15 Caleb Hammer? Great, $125, but you don't pay it all off. $204 is owed and 81 cents, minimum monthly payment, 25 bucks. So all you put towards the last time, then allowed that recurring charge to hit. $4.81 of interest. That is a medical spa. Something critical when we can't afford life.
1:26:35 Speaker 03 Correct.
1:26:38 Caleb Hammer? Honda. Oh, this is your car, you're driving everywhere, right?
1:26:43 Speaker 03 Yes, sir. It's got 74,000 miles on it now, and I got it when it was six miles.
1:26:50 Caleb Hammer? Okay. Good.
1:26:52 Speaker 03 In two years.
1:26:54 Caleb Hammer? Well, you owe $27,124.90. Interest rate of what?
1:27:01 Speaker 03 Six, five point.
1:27:03 Caleb Hammer? Yeah, okay. Not the most horrendous thing in the world, not thrilled with the depreciating asset. $551.60 is your minimum monthly payment, that's kind of sucks for your income situation, for sure. What do you think it's worth?
1:27:16 Speaker 03 Um, so, cash, 26. Trade-in, 21 to 23.
1:27:22 Caleb Hammer? I got cash 24, but...
1:27:23 Speaker 03 Oh, that sucks. I Kelly Blue booked it, like...
1:27:26 Caleb Hammer? So did we.
1:27:26 Speaker 03 Oh, weird, okay. Um, yeah, they keep trying to email me.
1:27:30 Caleb Hammer? I mean, if you go up on the higher end, but if you bring in the low end and then do in the middle, it's about 24.
1:27:35 Speaker 03 Yeah, I mean, I couldn't private sell it anyway, I'd have to trade it in or something.
1:27:40 Caleb Hammer? Okay, well, this minimum monthly payment is substantial for your income.
1:27:44 Speaker 03 For sure.
1:27:45 Caleb Hammer? Breaks the, every rule in the book. What is that, $511.60?
1:27:51 Speaker 03 I figured if it hit the fan, I could live in it.
1:27:55 Caleb Hammer? Uh, you might have to.
1:27:56 Speaker 03 My standards are pretty low.
1:27:57 Caleb Hammer? Literally 21% of your income.
1:27:59 Speaker 03 Yeah.
1:28:02 Caleb Hammer? Why don't you trade down?
1:28:04 Speaker 03 Maybe, but I love it. It was the best thing that ever happened to me. Which tells you how sad my life is. Ah! The best thing that ever happened to me was... I got to do a wedding in Alaska on a glacier.
1:28:20 Caleb Hammer? I don't care, that's not this conversation, that's not this conversation.
1:28:23 Speaker 03 You can get married there too.
1:28:24 Caleb Hammer? This is not...
1:28:25 Speaker 03 So I have been car shopping our car... Blah, blah, blah, blah, blah. I've been car shopping on Carvana recently.
1:28:30 Caleb Hammer? Trade in?
1:28:32 Speaker 03 I don't know, I was actually gonna ask you that, I'm getting the itches.
1:28:34 Caleb Hammer? Well, we got a couple options.
1:28:36 Speaker 03 So I'm, I'm gonna...
1:28:37 Caleb Hammer? 2015 Toyota Corolla.
1:28:38 Speaker 03 Yeah.
1:28:39 Caleb Hammer? And a 2017 Toyota Corolla.
1:28:41 Speaker 03 Yeah.
1:28:42 Caleb Hammer? And a 2017 50th Anniversary Edition Toyota Corolla. And a 2016 Toyota Corolla, we're going Toyota Corolla across the board.
1:28:50 Speaker 03 Sounds good.
1:28:50 Caleb Hammer? I want you to shop and choose which one you would trade in.
1:28:54 Speaker 03 Let's see here.
1:28:55 Caleb Hammer? Take the options, don't pull off the sticky yet. Cause these are what you're shopping for.
1:28:59 Speaker 03 Oh, this is what I'm looking for.
1:29:00 Caleb Hammer? Lindsay's been said this is what you've been shopping for, so here's the options that we've polled.
1:29:04 Speaker 03 So this is literally what I've been looking at.
1:29:07 Caleb Hammer? So, yeah, pick what you'd pick. What could you pick? You got the miles on there. And by the way, this is in Orlando, Florida too, this isn't even here.
1:29:18 Speaker 03 Probably the 2015 with 52,000.
1:29:20 Caleb Hammer? Okay, 2015, 52,000, let's see what that is going for! $16,990, so...
1:29:27 Speaker 03 I was hoping to be 14.
1:29:28 Caleb Hammer? You would be at a 20,000 hour loan, so it doesn't really make sense anyway. Especially with where your credit score likely is and where interest rates are, your interest rate wouldn't be great. So that makes no sense.
1:29:37 Speaker 03 My credit score's a 735.
1:29:44 Caleb Hammer? Well, that's if you're shopping on Carvana.
1:29:48 Speaker 03 They have fees to deliver, so I'm hesitant. Like, I'll drive to Tampa or wherever to get it, but...
1:29:56 Caleb Hammer? But if we get this 2017 Toyota Corolla, $73,000, not on Carvana, that's $12,000. So we'd be at like a $15,000 loan, because Carvana's a piece of shit company.
1:30:06 Speaker 03 Oh, I was gonna say...
1:30:07 Caleb Hammer? That milks you, and they won't even negotiate anything.
1:30:09 Speaker 03 Oh, yeah.
1:30:10 Caleb Hammer? Um, now, this does have more miles, for what it's worth, but it is a newer car. Uh, who knows what the condition is? And so this is a Carvana one, if I'm not mistaken. This is a $16,900 car, Toyota Corolla, 2017, with 70,000 miles, so substantially expensive. But if we go to the 2016 car, comparable more to your 2015, at 79,000 miles, this Toyota Corolla, not a Carvana, $10,900.
1:30:36 Speaker 03 Ooh.
1:30:36 Caleb Hammer? So either way, I mean, that would save you with the value that you need to borrow to pay off the car loan with what you currently still owe on it and what it's worth. That'd be a total debt of like $13,000 if you got that car. I'd be down with that. Trade it in, $13,000 loan, that would be good. That would be substantially better than a 24. But again, the interest rate might be rough, but if it is, you're still saving more money if we pay it off quick.
1:31:00 Speaker 03 Yeah.
1:31:01 Caleb Hammer? So that would still be worth it in my mind. Okay? All right, let's talk about the checking account. $31, this is horrendous.
1:31:10 Speaker 03 Yeah, my personal checking. I keep no money in that account.
1:31:12 Caleb Hammer? That's horrible, though. If any payment hits for whatever reason, or even just accidental swipe.
1:31:17 Speaker 03 I have overdraft protection, so it pulls from my savings account when I do that.
1:31:21 Caleb Hammer? So now, let's see. $50 PayPal, $45 Zelle.
1:31:26 Speaker 03 $50 is to my dad for PayPal.
1:31:29 Caleb Hammer? And the Zelle? And the Zelle? I said, yeah. And the rest is just transfers back and forth.
1:31:39 Speaker 03 Not sure what a $45 Zelle would be. Probably something stupid, though.
1:31:44 Caleb Hammer? And then this Chase business checking, $2,750, started at four, so it's headed on the way down.
1:31:51 Speaker 03 I loaned my brother that extra money.
1:31:53 Caleb Hammer? Why are you loaning your brother money?
1:31:55 Speaker 03 He needed money. I'm s-
1:31:56 Caleb Hammer? Dude, you just don't have any!
1:31:58 Speaker 03 But I have it in my checking account. I know.
1:32:01 Caleb Hammer? It should be going to debt.
1:32:01 Speaker 03 And really, in, in-
1:32:03 Caleb Hammer? What did he need it for?
1:32:05 Speaker 03 I don't ask him what he needs.
1:32:07 Caleb Hammer? In real life?
1:32:07 Speaker 03 He's not doing drugs, so I don't care what he spends his money on.
1:32:11 Caleb Hammer? No, what did he need money for? He just said he needed money? To live, to, for like rent and stuff. You don't even know.
1:32:17 Speaker 03 No, it's not like that.
1:32:18 Caleb Hammer? Lots of bad money in Zelle and a lot of sh**. ATM withdrawal, 308, who knows where that went?
1:32:22 Speaker 03 Drugs.
1:32:23 Caleb Hammer? PayPal, Best Buy, Best Buy. Zelle, Zelle, PayPal, Zelle, Best Buy, PayPal, Zelle, PayPal, Best Buy, Best Buy. What are you getting from Best Buy every second of your life? Okay, here's savings. $2,000.
1:32:39 Speaker 03 Woo woo.
1:32:40 Caleb Hammer? And then here's savings, $2,650.
1:32:45 Speaker 03 Wait a second.
1:32:46 Caleb Hammer? So it's about half of what we thought, but that's again, not surprising. Uh, at all.
1:32:53 Speaker 03 It is $9,000.
1:32:55 Caleb Hammer? In any way whatsoever. Uh, okay. $4,000 in savings. Gotcha.
1:33:00 Speaker 03 It's nine. It was nine.
1:33:02 Caleb Hammer? Was, isn't. Okay.
1:33:04 Speaker 03 No, I mean, this time period, it was nine. I don't know why.
1:33:09 Speaker 03 I don't know, because I have four, I have two savings and two checking accounts.
1:33:13 Caleb Hammer? Your checking isn't savings. And that was $2,000 in your business that was brought down from four. So you're right, if you add the four and four, you're close to eight, but you brought it down to two, loaning to your friend, and that's not savings anyway, that's your business. So listen, stop, no more. These are your statements. You have $4,000 in savings, you have a couple thousand in your business checking, okay? That is it. And like $40 in your personal checking. So I don't want to f***ing hear it.
1:33:36 Speaker 03 Got it.
1:33:37 Caleb Hammer? Oh my gosh. Dude. I don't think you know what savings is.
1:33:42 Speaker 03 It's the money I've been saving.
1:33:44 Caleb Hammer? Okay, your income is $2,452. We're gonna do expenses, not including business, because it's a wash.
1:33:53 Caleb Hammer? So debt payments. Let's add those up.
1:33:58 Caleb Hammer? 75 plus 78 plus 227 plus point 84 plus-
1:34:07 Caleb Hammer? Twenty eight plus forty plus four hundred seven point four plus thirty three plus seventy eight plus hundred eighty eight point seven six plus forty plus twenty five plus five hundred fifty one point six. No student loans, no house, so nothing that's actually benefiting us in any way whatsoever. Minimum monthly payments to the debt, one thousand seven hundred seventy eight dollars and sixty cents. That's crazy for your income. That is death. That is insanity. You are ruined. That is seventy two percent of your income is going to debt. What is your rent?
1:34:38 Speaker 03 Eighteen hundred fifty dollars.
1:34:42 Caleb Hammer? You're a thousand, you're over a thousand dollars over budget already.
1:34:50 Speaker 03 For, oh, between the minimum payments and the rent?
1:34:53 Caleb Hammer? Yeah.
1:34:56 Speaker 03 Yep.
1:35:00 Caleb Hammer? Okay.
1:35:04 Caleb Hammer? One, you need to downgrade your living situation immediately.
1:35:07 Speaker 03 Okay.
1:35:09 Caleb Hammer? You're getting
1:35:09 Speaker 03 Can I get a roommate?
1:35:10 Caleb Hammer? Yes, please.
1:35:11 Speaker 03 Cool.
1:35:12 Caleb Hammer? You kidding me?
1:35:13 Speaker 03 Just kidding. I don't want a roommate. I'll have my two cats pay rent.
1:35:17 Caleb Hammer? Okay, so it's a joke to you.
1:35:19 Speaker 03 Nope.
1:35:19 Caleb Hammer? You need to downgrade your rent situation capped at a thousand, which yes, it's not gonna be perfect. It's gonna be a downgrade. It's not great. I know. A thousand. That's where you're capping.
1:35:29 Speaker 03 What?
1:35:30 Caleb Hammer? What what?
1:35:31 Speaker 03 Um.
1:35:33 Caleb Hammer? And two, listen.
1:35:35 Speaker 03 Yes.
1:35:36 Caleb Hammer? You can dedicate time to this side hustle, whatever bullshit, but you gotta pick up in other side hustle. It is time to pick up something else. And I did just get a note, which thank goodness, because I wouldn't be able to budget this without this, but I guess you're open to calling your friend to ask for a side hustle. So we always do phone calls in the post show. So you're gonna call your friends and ask for this job in the post show and then we'll hear more about your tea. But the reality is, I mean,
1:36:06 Caleb Hammer? What the [bleep]? Uh, this is crazy. Uh, 300 for food, 100 for TP fund. What's your gas?
1:36:16 Speaker 03 160.
1:36:17 Caleb Hammer? Yeah, but that's going against your business, so we're actually gonna write that off. And also, that number doesn't really make sense for the mileage you drive.
1:36:22 Speaker 03 So I don't write off my gas, I do my mileage. Does that?
1:36:26 Caleb Hammer? Okay, well, yes, that's gonna cross for me.
1:36:28 Speaker 03 Okay.
1:36:29 Caleb Hammer? So I'm not gonna put that in your budget. Phone bill?
1:36:31 Speaker 03 For, uh, 60, 40, like, 40 dollars a month.
1:36:36 Caleb Hammer? Okay, that's pretty good. That's a little more than what we recommend of helium, but that's fine.
1:36:42 Caleb Hammer? Uh, internet, utilities, all that?
1:36:44 Speaker 03 60 dollars, uh, for internet. 75 for water. 150 for electric.
1:36:52 Caleb Hammer? Medical health care, co-pays anything?
1:36:54 Speaker 03 Um, I have my 50 dollar mental health every month.
1:37:00 Speaker 03 And a
1:37:00 Caleb Hammer? What's up there to 100?
1:37:01 Speaker 03 15, it's not therapy. Um, although I could benefit from that. 15 dollars a month for dental insurance. 100 dollars every three years for eye insurance.
1:37:17 Caleb Hammer? Okay, that's fine.
1:37:18 Speaker 03 Gotta see
1:37:18 Caleb Hammer? Jim?
1:37:19 Speaker 03 15 dollars.
1:37:22 Caleb Hammer? Subscriptions? You, I mean, it's not even a choice.
1:37:25 Speaker 03 No, they're all going away.
1:37:26 Caleb Hammer? Cat food?
1:37:26 Speaker 03 40 dollars a month.
1:37:29 Caleb Hammer? I mean, just your budget alone, and I can't wait for this phone call, cuz and I, but the thing is, as far as I know,
1:37:38 Caleb Hammer? you haven't talked to your friend? Your friend doesn't even know about this? And this was the idea that you kinda came up with in the green room? As a way to supplement your income, cuz as you looked at your statements before this, you're like, oh, [bleep], there's no way I can make this work. So we're gonna call, you're gonna call, and you are gonna try to get a job in the post-show for the very first time. You need 5,000 dollars to survive on a minimum basis, 5,024 dollars. You need to double your income on a minimum basis. This is crazy. That's where we are. I'm sorry, I mean, there's no debt payoff strategy. We need to figure out the income thing.
1:38:12 Speaker 03 Yeah.
1:38:13 Caleb Hammer? All right, let's get the financial score, and then we'll jump into the post-show. So, any budget overspend, 0 out of 10? Debt, ma? I mean, no collections or anything, but it's horrendous debt for your income, 1 out of 10. Emergency fund, 4,000, we'll call that.
1:38:29 Caleb Hammer? Four out of 10 retirement. I didn't say retirement. Zero out of 10. Is there retirement?
1:38:34 Speaker 03 Walmart.
1:38:35 Caleb Hammer? How much?
1:38:36 Speaker 03 No, I mean, I'm gonna be a Walmart greater.
1:38:38 Caleb Hammer? I'll say zero out of 10. Hammer Financial Score, one out of 10.
1:38:44 Speaker 03 I'm gonna die at 63.
1:38:46 Caleb Hammer? Your quiz, your savings was probably higher, or you calculated your savings incorrectly like you did here, and that's why the score was higher. Remember, you can get your score at CalebHammer.com. Now join Hammer Elite below. Three premium shows posted every single day, Monday through Friday, and come watch this post-show. We'll see you there. It's gonna be good. I wanna hear the rest of that juicy story.
1:39:03 Speaker 03 I told this guy, when he was hitting on this other lady while we were together, I said, "If you screw her, I will [bleep] her husband."
1:39:10 Caleb Hammer? Whoa, hold on.
1:39:12 Speaker 03 "You wanna play games with me? I'll show you games."
1:39:15 Speaker 04 Oh, you're crazy.
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