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Chapters:
00:00 Intro
07:33 she said the thing!
24:00 correlation??
38:33 *pretends to be shocked*
51:35 W justification
01:12:10 thats ridiculous lol
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Transcript 16,248 words · 5 speakers
Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.
0:00 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.
0:30 Speaker 01 Welcome to the 50th Hunger Games.
0:32 Speaker 02 Witness the beginning of the revolution.
0:34 Speaker 01 Hey Mitch, you've been trying to take down these games from the start.
0:37 Speaker 02 Filmed for IMAX.
0:38 Speaker 01 Make them remember you.
0:41 Speaker 02 The Hunger Games: Sunrise on the Weeping, November 20th, rated P13.
0:45 Caleb Hammer? To watch episodes of Financial Audit a week earlier, check us out on YouTube. Are you acting like an insufferable [BLEEP]? Oh my [BLEEP], within the last year she has affirmed $700 of La Boo Boo's. What a joke. You should be embarrassed. I'm embarrassed for even having that happen on my own show. Quicksilver card.
1:02 Speaker 01 That one... may have been for a purchase.
1:11 Caleb Hammer? Sign up for the new and improved Dollar Wise Budgeting app. Take the free trial and if you like it, sign up for the annual version to save a ton of money and get my budget-friendly cookbook signed by me and mailed directly to you. And for a limited time only, if you want to bundle all of my educational programs together with the Budget app, join Dollar Wise Central and save 80%. Take the trial and learn more at dollarwise.com.
1:33 Speaker 01 Hi, my name's Farrah. I'm 27 years old from... ugh, sorry. Hi, my name's-
1:39 Caleb Hammer? Are we choking? I'd be choking if I spent 16% of my money on fast food as well.
1:47 Caleb Hammer? Where are you from?
1:48 Speaker 01 New Orleans, Louisiana.
1:49 Caleb Hammer? And this is Financial Audit.
1:52 Caleb Hammer? Just want to make sure you're alive so you can make it through this. It was a little light, and I'm from...
1:59 Caleb Hammer? So, okay.
2:02 Caleb Hammer? What are you doing Louisiana for a living?
2:04 Speaker 01 I am a patient access rep at a pediatric specialty office.
2:09 Caleb Hammer? Okay, sure. What does that make? What do you make?
2:12 Speaker 01 Um, fifteen ninety-five an hour.
2:13 Caleb Hammer? Yee. Now, Louis, New Orleans, not one of the more expensive cities, declining population has been since a very long time. Katrina definitely puts it over the edge.
2:23 Speaker 01 Yeah.
2:24 Caleb Hammer? Okay, so I don't know how fifteen stretches there. I'll be completely honest, in a lower income city, lower cost of living city, how you living? How many, wait, before you answer that, how many hours a week are you working?
2:34 Speaker 01 Forty.
2:35 Caleb Hammer? Okay. What hits your account on a monthly or biweekly, whatever your thing is?
2:40 Speaker 01 Around nineteen hundred.
2:42 Caleb Hammer? Okay. How you doing? Nineteen hundred in Louisiana?
2:46 Speaker 01 Not, not good.
2:47 Caleb Hammer? No?
2:48 Speaker 01 No.
2:48 Caleb Hammer? I'm gonna need a little more than that on a podcast.
2:53 Speaker 01 Um, it's not enough to survive.
2:57 Caleb Hammer? Why don't you go get a different job?
2:59 Speaker 01 I like what I do and I like the company I work for.
3:03 Caleb Hammer? But you can't survive. What comes first? Survival or liking the company we work for? Preferably, we can match both together, but when one is not happening, the one we're choosing to happen over the other is survival.
3:18 Speaker 01 I feel like I should enjoy my job.
3:22 Caleb Hammer? Sure. I agree. I would like you to. Should, entitled to, I wouldn't say so. You prefer that over working?
3:31 Speaker 01 No, there, there was an opportunity for me to get like a leadership position, but...
3:38 Caleb Hammer? Which would have come with what pay?
3:40 Speaker 01 That wasn't disclosed.
3:41 Caleb Hammer? And what was the opportunity of which it did not take hold?
3:45 Speaker 01 Um.
3:45 Caleb Hammer? And why?
3:46 Speaker 01 So I would have basically been like the leader of all of the patient access reps. So over about maybe six or seven people. Um, and they ended up going with someone else.
3:58 Caleb Hammer? Okay, so you did not have an opportunity?
4:02 Caleb Hammer? There was an opportunity that you tried, but it was not yours.
4:06 Speaker 01 My manager made it seem like it was in the bag for me.
4:10 Caleb Hammer? Well, instead, now you gotta put the fries in the bag because it didn't work out. I'm sorry. That is the reality. Listen, I would love you to get a promotion. That'd be great. Okay, I'm glad I got I'm glad you like your job. Let's pretend there are two pillars here.
4:24 Speaker 01 I'm not doing that bad. It just looks bad on paper.
4:28 Caleb Hammer? You said you're struggling to survive. I'd say that's bad in paper and in person.
4:32 Speaker 01 I feel like I've gotten a little bit better lately.
4:36 Caleb Hammer? Okay, that's what everyone says. Oh.
4:38 Speaker 01 It's the truth.
4:39 Caleb Hammer? That's what everyone says on this show. If that's the truth, then.
4:47 Speaker 01 I feel like most of those are just payments and interest.
4:50 Caleb Hammer? Okay.
4:53 Caleb Hammer? We giggle at everything. Every sentence we say.
4:56 Speaker 01 Yeah.
4:56 Caleb Hammer? We giggle at.
4:57 Speaker 01 Yep.
4:57 Caleb Hammer? Okay. Let's pretend there's two pillars in the job world, okay? It's New Orleans, so it's safe, okay?
5:05 Speaker 01 New Orleans is not safe.
5:08 Caleb Hammer? Well, for these two. This is enjoying our job. This is survival. I would like them both to exist. But if we gotta crash into one of them and bring it down.
5:21 Caleb Hammer? It's the enjoyment because survival is more important.
5:25 Caleb Hammer? I prefer both, but you have to choose survival.
5:29 Speaker 01 Why do I have to, though?
5:30 Caleb Hammer? Because if you're not surviving, then you don't show up to the job at some point. Then you don't have a place to live. You don't have food. What do you mean? Why would I have to?
5:40 Caleb Hammer? How? Explain that logic to me.
5:42 Speaker 01 I mean, I enjoy my job and I'm the best at my job. I'm not getting fired anytime soon.
5:47 Caleb Hammer? Which is why you got promoted.
5:50 Speaker 01 They, my manager told me she felt like because I was already like, like I already knew all of the other patient access people that it would be difficult for me to like suddenly become a manager over them.
6:05 Caleb Hammer? That's some cope.
6:08 Caleb Hammer? That is cope. If you were the best for the job, you would have gotten the job.
6:11 Speaker 01 I mean, I feel that way too, but.
6:13 Caleb Hammer? Yeah. So maybe you appreciate the company, but they don't appreciate you. Meaning, oh, we look for a different job. Is where that goes traditionally.
6:22 Speaker 01 Actually did leave this job for like three months and then went back.
6:25 Caleb Hammer? What were you doing in that three months?
6:27 Speaker 01 I was a case coordinator for a pediatric home health company.
6:30 Caleb Hammer? What did you make?
6:32 Speaker 01 Sixteen fifty an hour.
6:34 Caleb Hammer? Okay, a little bump.
6:35 Speaker 01 Yeah.
6:36 Caleb Hammer? Percentage wise decent, but.
6:38 Speaker 01 The insurance was way better.
6:40 Caleb Hammer? That's good.
6:41 Speaker 01 I didn't enjoy it though, so I left and went back.
6:44 Caleb Hammer? Were you able to make more of a survival during that?
6:46 Speaker 01 My living situation was different at the time. So yes.
6:49 Caleb Hammer? Okay. Why not put your living situation back to that then? Obviously that's not the situation that.
6:53 Speaker 01 I don't want to be in that situation again.
6:55 Caleb Hammer? Okay. Well, it's all I want with you. I just want to pick.
7:00 Speaker 01 I haven't got it in like five minutes. Don't make that face.
7:02 Caleb Hammer? Uh, we've been filming for six.
7:04 Speaker 01 Can you even see?
7:05 Caleb Hammer? You look better.
7:08 Speaker 01 I'm gonna take mine off too then.
7:10 Caleb Hammer? So why in your entire life, everything we're doing here? Is you just choosing what's a little more pleasant? Cause what ends up again, if it's the, we're not able to live pillar that doesn't exist. Life will not be pleasant across the board. You might enjoy the job you go to, but if you get evicted, if you lose a housing situation, if you're in high interest debt forever, you can't make your payments, your credit substantially. You need to borrow for whatever reason with a car or whatever. At some point you're not able to qualify for anything other than predatory. Maybe you take out payday loans. Maybe you start getting a cash advance cycle of death.
7:46 Caleb Hammer? That's not a good life. I would say that would then outweigh not having the job we absolutely love. Now again, I am not saying I don't want you, want you to be in a job you love. I am not saying that. I want both to be there. But you have to choose survival over that.
8:01 Speaker 01 My.
8:02 Caleb Hammer? Or, or if you're working 40 hours a week and you want to continue that, that's fine. You gotta go work a second job.
8:07 Speaker 01 My issue isn't my income. I just like to spend money on things that I don't need.
8:12 Caleb Hammer? Okay. Well then, um, the solution would be, uh, I want to, I want to make sure I want to confirm. Oh yeah. It's, don't do that, you dumb.
8:23 Speaker 01 That's why I'm here.
8:26 Caleb Hammer? So I'm able to just make you not spend money? I'm able to make you not spend 20% of your spending, which is spending more than you bring in on fast food. I'm able to do that for you?
8:36 Speaker 01 You?
8:36 Caleb Hammer? I go there, I hold your hand, I ride the fucking streets of New Orleans on my tubas and whatnot, and I'm making you not spend money? I'm there.
8:48 Speaker 01 I feel like you yelling at me is gonna engrain it in my head.
8:51 Caleb Hammer? Listen, whatever kinks you have is fine, I'm not judging, but I am not able to be the shift. I'm able to tell you what's a good way to do it, but if you already recognize what the problem is, yet you are not out there doing the fix that is necessary, what the can I do?
9:06 Speaker 01 It's hard.
9:07 Caleb Hammer? It's hard. Oh, good. Guys, it's hard. It's hard!
9:12 Speaker 01 I want things. I wanted a La Boo Boo.
9:15 Caleb Hammer? Okay, great.
9:16 Speaker 01 Do you wanna see it?
9:17 Caleb Hammer? Nope, don't give a Alright, here comes a non-consensual La Boo Boo.
9:22 Speaker 01 Look at it.
9:22 Caleb Hammer? Great, you got the most boring one. It's gray.
9:25 Speaker 01 At least it's better than this one sitting. I'm like, what'd he say fuck me for? I'm standing.
9:29 Caleb Hammer? Let's put it away. Let's put it away, cuz
9:31 Speaker 01 Do you wanna see Piplop?
9:32 Caleb Hammer? I don't care about this. That's not even a La Boo Boo. That's, that's nothing. No one knows what that is.
9:38 Speaker 01 It's Piplop.
9:40 Caleb Hammer? Alright, she's a child. That's great. I'm glad we're establishing this. Wonderful, and that vibes with your attitude of, "Oh, I'm picking my job I like over being able to survive. Oh, I want things and I'm not able to cut it back, and I need you to hold my hand." Yeah, you're never gonna do anything, are ya? You're never gonna be successful, are ya? You're just a child. Like, what the even was that little fucking stunt you just did? What a joke.
10:04 Speaker 01 I
10:05 Caleb Hammer? It's embarrassing. You should be embarrassed. I'm embarrassed for even having that happen on my own show.
10:10 Speaker 01 I'm embarrassed every day.
10:12 Caleb Hammer? You should be.
10:13 Speaker 01 I am.
10:13 Caleb Hammer? Good.
10:14 Speaker 01 Great.
10:15 Caleb Hammer? Whenever I'm embarrassed, I usually change the thing that is embarrassing me. Why are you incapable of change or anything, or any progress or maturity?
10:24 Speaker 01 Because I'm a child. Like you said.
10:26 Caleb Hammer? I mean, what the even is that answer? Obviously, that is what I'm saying you're acting like, but you're just gonna sit there and say you're a child? What can I do then? Like, okay, then go. Lay in your crib. The conversation's done.
10:35 Speaker 01 Are you gonna give me a pacifier?
10:40 Caleb Hammer? What the are you doing?
10:41 Speaker 01 I'm just here.
10:43 Caleb Hammer? For what reason?
10:45 Speaker 01 I do want help to try to figure out my finances.
10:50 Caleb Hammer? Why are you acting like an insufferable?
10:54 Caleb Hammer? Yeah, Google that away. Cope that Google. Go for it.
10:59 Caleb Hammer? Like, what the are we doing? Dude, you're acting like a
11:04 Speaker 01 That's not my intention.
11:05 Caleb Hammer? What? What is your intention then, right now?
11:08 Speaker 01 I genuinely want your help.
11:10 Caleb Hammer? What does that help look like to you?
11:12 Speaker 01 I budget. Like, I
11:15 Caleb Hammer? You budget?
11:16 Speaker 01 I do.
11:16 Caleb Hammer? Great. Tell me how much you spent last month.
11:18 Speaker 01 More than I made.
11:20 Caleb Hammer? Tell me how much you spent that last month. You budgeting professional queen.
11:24 Speaker 01 Like, twenty-four hundred.
11:26 Caleb Hammer? Twenty-eight. So you don't even know that. Then you bring in nineteen.
11:29 Speaker 01 It was close.
11:30 Caleb Hammer? Kind of percentage-wise, not really, but okay.
11:34 Speaker 01 It was around that ballpark.
11:36 Caleb Hammer? Sure, I guess. Unless in the median average hourly wage in New Orleans is twenty-eight, you're substantially under that. You're you're in you're in the beyond lower category of paid. And you're like, oh, because I enjoy my job, that's okay? There's other jobs you enjoy that you might get paid more that you might have to stick out a job you don't like for a bit to gather experience or move up in a company. You think there's only one job that's enjoyable in this world?
12:02 Speaker 01 No, but I would like to see what opportunities I do have in this company.
12:08 Caleb Hammer? Oh, you bought a budgeting chart from Etsy. Okay, so that's your
12:11 Speaker 01 Yeah.
12:12 Caleb Hammer? Okay. Sorry, what were you saying?
12:13 Speaker 01 I want to see how I can grow in the company that I'm with right now.
12:17 Caleb Hammer? Okay, that company denied you growth.
12:20 Speaker 01 In that area.
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12:56 Speaker 01 There's other areas of the company.
12:58 Caleb Hammer? Then why haven't you done it?
13:00 Speaker 01 Because I need help from my management.
13:03 Caleb Hammer? Okay, you need help from everyone except for yourself, apparently, because you can't do anything on your own. It sounds like you need help from me for your finances. You need help from management to promote you. What the you can't do anything, huh?
13:13 Speaker 01 I can't promote myself.
13:14 Caleb Hammer? You can't promote yourself, but you can put yourself in a position where you would have won the promotion. You didn't, you were not chosen, even though your manager said you were a shoo-in. Again, yes, the manager makes the promotion. Yes, I make the budget, call out the bull. You have to do with the action that is stopping your bull spending, actually budgeting, getting the education you need. Via what we provide, but actually taking it, implementing it, improving your life. Yes, the manager opens a promotion and it is up to you to then go get it.
13:43 Speaker 01 I did, I had an interview.
13:46 Caleb Hammer? You don't understand what I'm saying. It's up to you to practice your interview skills, to update your skills, to make sure you are the winner. Why did the other person win over you?
13:56 Speaker 01 Because they were from a different company and had more experience. They had management experience.
14:00 Caleb Hammer? There you go, and you didn't, so you needed that.
14:03 Speaker 01 I'm trying to get the management experience.
14:04 Caleb Hammer? Yeah, but you might have to leave to another company you don't like in order to get management experience, in order to accumulate the skills and resume necessary to get the job you want.
14:12 Speaker 01 Maybe.
14:13 Caleb Hammer? Maybe, no, you're just sitting in their job because you find it comfy.
14:18 Caleb Hammer? But you're not surviving, you're spending more than you make. The categories are complete.
14:23 Speaker 01 It's not that bad.
14:24 Caleb Hammer? How's it not that bad, please?
14:26 Speaker 01 I'm not, I'm not on the streets.
14:28 Caleb Hammer? Yet, what's your rent, huh?
14:31 Speaker 01 Seven fifty.
14:32 Caleb Hammer? Okay, seven fifty, sounds like lovely rent, right? Well, she brings in nineteen hundred, so let's see.
14:36 Speaker 01 I don't live by myself, I live with my.
14:38 Caleb Hammer? Your rent is seven fifty.
14:40 Speaker 01 So I live with my boyfriend and his roommate. They take care of the rent, I help out with groceries, utilities.
14:47 Caleb Hammer? Wow, okay, so even without rent, you're spending more than you make.
14:52 Caleb Hammer? A winner, promoter, I just don't get it. Listen, and with someone like you, let's see.
14:58 Caleb Hammer? Yeah, the under shopping is crazy, it's just, and that could be things like Amazon, Walmart. Pull up your Amazon right now, I want to see what's in your cart. Is there in your cart? Let's see.
15:11 Caleb Hammer? What's your saved emergency fund currently? Zero. Okay, so you can't even cover an 11, a 1,000 hour emergency. If it wasn't for your boyfriend, maybe you would be on the streets. Cause how the would you cover something when it pops up? She has 34 things in her cart. She has 34 things that are Amazon cart. She has some sunglasses, crochet kit thing, hanging cute crochet car. Bullshit. Shh. Funny can't read her. Fuck you. Cat license plate. Oh, we know who she is. Off we go compatible Nissan key fob. Nissan key fob, cat nip toys, cat collars, cat pillows, cat toys. Possibly. No, you shouldn't. Don't.
15:54 Caleb Hammer? Do not. That is irresponsible and disgusting and selfish of you. You cannot financially take care of a kitten. Kitten, lot of medical expenses, lots of vet things out of the gate. Kitten becomes cat. Cat becomes vet emergencies. You cannot take care of them. You cannot provide the high end food. It is selfish of you. You want a cat. You cannot take care of a cat. That is disgusting. Okay. Cat, cat chews, scar gel. I. Cat case. Hurt my. Keychain bullshit. A big pig stuffed animal. I don't know how to cook cookbook. Well, sign up for the annual version of our budget nap and you'll get this for free. You get it for free because you're a guest, obviously. La Fu Fu, it looks like, and then. It's a La Boo Boo. This is not a La Boo Boo. Yes, it is.
16:39 Caleb Hammer? Seventeen dollar original. Scum and kachagori shashi honey shy room. That's something different. Box. Captain America key holder ring because we mean everything in a stupid world. A Kirby pop out costume. That's for Halloween. I can't tell the difference. Kirby jet stream three collar ballpoint pen. Dr. Pepper candle. I love Dr. Pepper. Well.
17:04 Caleb Hammer? Try Diet. Dr. Pepper.
17:06 Speaker 01 I like Dr. Pepper Zero.
17:08 Caleb Hammer? Diet Cherry Dr. Pepper is like top tier beverage, by the way. I'm gonna throw that out there. Young Caro Framed Black Cat Wall Art. Monster Juice Monster. Monopoly Supernatural.
17:21 Speaker 01 That's my favorite TV show.
17:22 Caleb Hammer? Original Rocko Roomy Holiday Series Blind Box.
17:25 Speaker 01 I like Blind Boxes.
17:27 Caleb Hammer? Sign X Original Plug Series Blind Box.
17:29 Speaker 01 I like Blind Boxes.
17:30 Caleb Hammer? Cat Bed Shut the [__] up is what you're gonna do instead. Sunny Angel A Must Fan Hipster Series Figure X. Medi- Medi Cube.
17:40 Speaker 01 That's like for your face.
17:43 Caleb Hammer? What about it? What are you doing? I don't care. Captain America Shield.
17:46 Speaker 01 Your pores.
17:47 Caleb Hammer? La Fufu Cat Hat. Pureology Color Fantic Maxing [__] dumb stupid. Great. So that's just her [__] card. I didn't even go through her purchases. I assume we're gonna do that. So yeah, no [__]. It's just impulse [__]. No plan whatsoever. Don't have a thousand dollars. If your boyfriend breaks up with you, good [__] luck. You wouldn't be able to survive. How long have you been in this relationship?
18:10 Speaker 01 We make a year next month.
18:12 Caleb Hammer? Good luck if this relationship dies. Oh, you're closer to homelessness than you are.
18:20 Caleb Hammer? Confessing.
18:20 Speaker 01 He co-signed a car for me.
18:26 Caleb Hammer? Let me see a picture of this man. It it won't be on camera unless we get consent, obviously. Do we have consent to put it on camera?
18:32 Speaker 01 I would have to ask him.
18:33 Caleb Hammer? Oh, he's a septum piercing. That's usually for the other side, but okay.
18:39 Speaker 01 What do you mean?
18:40 Caleb Hammer? Well, he's a septum piercing male.
18:42 Speaker 01 Yeah.
18:42 Caleb Hammer? Usually it's women.
18:44 Speaker 01 I don't want my septum.
18:46 Caleb Hammer? Good. I appreciate that, but it's just it was a shocker to see.
18:49 Speaker 01 Guess what? It's cages.
18:51 Caleb Hammer? Yeah.
18:54 Caleb Hammer? Yes, he does.
18:57 Caleb Hammer? And you think this isn't that bad then, huh? That's what we're hearing. Colton thinks you might be the biggest impulse spender we've ever had since he started.
19:05 Speaker 01 Because I still have my basic necessities.
19:09 Caleb Hammer? Dude, you don't pay for your largest overhead for the average person, which is rent. You're subsidized by your boyfriend, and yet you still blow it all.
19:17 Speaker 01 I help with bills, though.
19:19 Caleb Hammer? Groceries, come on.
19:20 Speaker 01 No, I help with internet and gas.
19:23 Caleb Hammer? Oh, yippee. That's not even close to rent.
19:25 Speaker 01 That's something.
19:26 Caleb Hammer? It's something. I'm not saying it's nothing.
19:29 Speaker 01 It's not like I live there for free.
19:30 Caleb Hammer? But it's not. But it's not comparable. It's not comparable.
19:35 Speaker 01 It's not like I live there for free.
19:37 Caleb Hammer? No, she fills her TikTok shopping cart like it's... Show me your TikTok shopping cart. Like, oh, what are you doing? What kind of creature are you? Why?
19:46 Speaker 01 I wish I knew the answer.
19:49 Speaker 01 Sorry.
19:52 Speaker 01 Sorry about that.
19:53 Caleb Hammer? So you're never behind on your bills, then, is what you're telling me?
19:56 Speaker 01 I've not... I'm not gonna lie, I've been behind before, but I...
19:59 Caleb Hammer? When was the last time?
20:01 Speaker 01 Not within like a year or two, I feel like.
20:03 Caleb Hammer? Uh, by the way, it was April.
20:05 Speaker 01 When? Which one?
20:06 Caleb Hammer? April.
20:07 Speaker 01 No.
20:08 Caleb Hammer? That's the one.
20:09 Speaker 01 No, what was I late on?
20:11 Caleb Hammer? April.
20:12 Speaker 01 But what was I late on?
20:13 Caleb Hammer? I don't have that data, but that's what you... We've established you and the producer.
20:18 Speaker 01 That might... That might have been credit one.
20:21 Caleb Hammer? What do you think behind? What do you think qua... What do you think qualifies as behind you, dude? Oh, good, we got gel pens, headphones.
20:30 Speaker 01 I like pens.
20:31 Caleb Hammer? Breathing nasal strips.
20:33 Speaker 01 I snore.
20:35 Caleb Hammer? Yeah.
20:37 Speaker 01 You probably do too.
20:38 Caleb Hammer? No. Stop the cap.
20:43 Speaker 01 I'm surprised.
20:44 Caleb Hammer? Girl, I'm sorry. I don't think we should do the comparing game. I'm sorry. A hat, a tumbler.
20:55 Caleb Hammer? Solid color bathrobe, another tumbler, another tumbler, another tumbler.
20:58 Speaker 01 I like cups.
20:59 Caleb Hammer? Wifi. Oh, good. I'm glad. That's like, woo, yippee. You like cups?
21:05 Speaker 01 Yep.
21:05 Caleb Hammer? Snoring last night, zero percent.
21:09 Speaker 01 You do that with your Apple Watch?
21:11 Caleb Hammer? I do this with Eight Sleep.
21:12 Speaker 01 What's that?
21:13 Caleb Hammer? They were a sponsor. I mean, they're not sponsoring this episode, but they are very good for what it's worth. I bought her before they were a sponsor.
21:20 Speaker 01 It's an app?
21:20 Caleb Hammer? Oh, they are a sponsor. Uh, well, no, no, it's like it cools and heats your bed, but it also tracks your stuff.
21:25 Speaker 01 I need that cuz.
21:30 Speaker 01 If I had, if I had the money, if I had the money.
21:32 Caleb Hammer? You do not. It is a high-priced item, but for those who can't afford it, it is pretty sick. I'm not gonna lie. Zero pore pads again, lavender. Dude, you're just filled with. This is just got a cosmetic bag. What is this? Uh, cushion, cushionier, woman's lame cork foot bullshit. More put on your love foofus wearable blankets. Dude, why don't you just?
21:59 Speaker 01 Some of that's for my boyfriend.
22:00 Caleb Hammer? Can you like just act like a normal person?
22:03 Speaker 01 Some of that for my boyfriend.
22:04 Caleb Hammer? We got, we needed a little.
22:06 Speaker 01 And I need to buy him a gift.
22:07 Caleb Hammer? His birthday passed and you didn't get him the gifts already. Wow. I'm glad he's subsidizing you.
22:12 Speaker 01 I already got him a new work boots.
22:14 Caleb Hammer? He's really taken care of. Oh, wow. His favorite sunflower wall hook.
22:18 Speaker 01 He asked for those and I got them for him.
22:20 Caleb Hammer? For them.
22:21 Speaker 01 Yeah.
22:22 Caleb Hammer? Don't worry bumper sticker floating the lemon. I do this. Oh, this is endless. The walking taco nacho cheese and bull dumb history. I'm, I'm gonna die.
22:31 Speaker 01 I got bored on the drive over.
22:35 Caleb Hammer? Huh?
22:36 Speaker 01 I was.
22:36 Caleb Hammer? Were you driving?
22:38 Speaker 01 I was at rest stops.
22:41 Speaker 01 I had to rest. New Orleans is far.
22:43 Caleb Hammer? No, it's six hours.
22:45 Speaker 01 Seven and I'm.
22:46 Caleb Hammer? As far as road trips go, that is not that bad.
22:48 Speaker 01 By myself, I've never driven that far.
22:51 Caleb Hammer? You had to stop and actually rest, rest?
22:54 Speaker 01 I've been up since 6:30 yesterday. I had work yesterday.
22:58 Caleb Hammer? You didn't sleep last night?
22:59 Speaker 01 I left at 7:00 last night.
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23:46 Caleb Hammer? They've got a 4.6 star rating on Google, which tells you people genuinely like working with them. So if your private student loans are burying you, it is time to reach out. Y Refi wants to help you climb out of debt, not push you further into it. Check them out at yrefy.com/hammer. That is Y-R-E-F-Y.com/hammer. Or call 888-973-3978. That is 888-973-3978. Break free from the high interest trap and get your finances under control once and for all. So you didn't sleep last night?
24:21 Speaker 01 No.
24:22 Caleb Hammer? The math isn't adding up.
24:24 Speaker 01 I've been up since 6:30 yesterday. Yesterday.
24:27 Caleb Hammer? Well, I guess if you took an hour rest at every rest stop once an hour, yeah, that would make sense.
24:32 Speaker 01 Yeah.
24:33 Caleb Hammer? Okay, so your rest stop equals adding things to your TikTok cart. And it was about, it was a thousand bucks in there. That's half your monthly income. In fact, more.
24:43 Speaker 01 I mean, more than a thousand dollars a month.
24:45 Caleb Hammer? Oh, you were... What did I just say? Can you tell me what I just said?
24:49 Speaker 01 That's more than my monthly income. Half. You said half.
24:53 Caleb Hammer? There you go. You put it together. Just like you were late for your boyfriend's birthday, you were late to my last sentence.
25:00 Speaker 01 He got his gift early. Cause we thought it got lost.
25:04 Caleb Hammer? Oh, boy.
25:06 Speaker 01 So.
25:07 Caleb Hammer? Why do you, why do you think you have this impulse spending from your own perspective? Let's get a little reflection here.
25:13 Speaker 01 So when I was younger, well, I just know stories because my mom did pass in 2009. So I know, like, I hear stories from like my aunt and stuff.
25:24 Caleb Hammer? Stories, stories of what?
25:25 Speaker 01 Her impulse spending.
25:28 Caleb Hammer? Wait, hold on. Okay.
25:30 Speaker 01 And I like.
25:30 Caleb Hammer? Hold on, hold on. Let me clarify this with, let's start with the, uh, uh, sympathy. I'm sorry, your mom passed away.
25:36 Speaker 01 Thank you.
25:37 Caleb Hammer? That sucks. That's horrible. I will literally break when my mom passes away. It's gonna be the worst moment of my life by far. Number two. You hearing stories about how your mom was an impulse spender is why you're an impulse spender? You don't even witness her being an impulse spender. She heard stories.
25:54 Speaker 01 I, I wouldn't.
25:55 Caleb Hammer? Why are you saying you heard stories?
25:56 Speaker 01 I have heard stories and that like kind of triggered some memories of her dragging me to Kmart with her.
26:05 Caleb Hammer? This, that's why you think you can't control yourself?
26:08 Speaker 01 She would see something and feel the need to buy 10 of it and try to justify, oh, this will be a Christmas gift for this person. This will be a birthday gift for this person.
26:17 Caleb Hammer? You're talking, do you hear how you're talking lady? You're, you're, you're, you're showing how she was bad at it.
26:23 Speaker 01 Yeah.
26:23 Caleb Hammer? When I saw people do bad things, I do the opposite. I'm confused. What are you saying here?
26:30 Speaker 01 I don't wanna be this way.
26:35 Caleb Hammer? Oh, my goodness. Okay. So there's, there's absolutely no responsibility on you.
26:40 Speaker 01 I feel like I picked up those tendencies from her though.
26:43 Caleb Hammer? No, man. Dude, I don't even know. Oh, good. Your mom used to open up credit cards in other people's names as well.
26:49 Speaker 01 Yeah.
26:50 Caleb Hammer? Okay. Yeah, maybe like mother, like daughter.
26:53 Speaker 01 No, I have never done that.
26:54 Caleb Hammer? Hmm, we'll see about that.
26:56 Speaker 01 No, that's, I'm not like Jenny from Jenny and, I mean.
26:59 Caleb Hammer? Your car was just totaled last week?
27:01 Speaker 01 Last month. It was last week when I spoke to the producers.
27:05 Caleb Hammer? Oh, what are you doing?
27:07 Speaker 01 So I've gotten a new car since then.
27:11 Speaker 01 That's the one that
27:11 Caleb Hammer? Financed?
27:12 Speaker 01 Yes.
27:13 Caleb Hammer? Was there was there fucking financing on the last car?
27:16 Speaker 01 Yes.
27:19 Caleb Hammer? Did the gap cover it? Oh, thank
27:22 Speaker 01 Whatever.
27:22 Caleb Hammer? Dude, people, people around, man. No, you can break, you can break little rules within your insurance and then they won't cover it. Oh, yeah.
27:30 Speaker 01 I didn't know that.
27:32 Caleb Hammer? I'm glad you didn't.
27:33 Speaker 01 An email last night saying that the last payment was made to the lien holder for that car and my credit score went up.
27:39 Caleb Hammer? Well, I guess you're winning. I guess you're winning.
27:42 Speaker 01 I mean, I think I'm doing better because I'm not having to pay rent.
27:46 Caleb Hammer? A house.
27:47 Speaker 01 I moved in quicker than I wanted to with my boyfriend, but that's because I got kicked out of my last living situation.
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28:26 Caleb Hammer? What?
28:27 Speaker 01 So I was living with my ex's mom.
28:31 Speaker 01 Listen.
28:31 Caleb Hammer? Moved in with your ex sooner than you wanted to, but the reason is because your ex's mom kicked you out?
28:36 Speaker 01 No, I moved in with my current boyfriend sooner than I wanted.
28:40 Caleb Hammer? Oh, your ex's, oh, your ex, you're with your ex's mom?
28:43 Speaker 01 Yeah.
28:43 Caleb Hammer? Well, dating your current boyfriend.
28:45 Speaker 01 He was okay with it. He trusts me.
28:48 Caleb Hammer? But why'd she kick you out?
28:49 Speaker 01 We have different views on like politics and stuff and
28:53 Caleb Hammer? You guys talk about it.
28:55 Speaker 01 Because she brought it up and I kept asking her to be quiet because she was being really ignorant and just
29:03 Caleb Hammer? She was being really ignorant?
29:04 Speaker 01 Yeah, and I told her that she was so closed minded that it's disgusting.
29:08 Caleb Hammer? What is ignorant?
29:09 Speaker 01 I don't know if I'm allowed to talk about it.
29:11 Caleb Hammer? If you're allowed to?
29:12 Speaker 01 Like
29:13 Caleb Hammer? You signed an NDA?
29:14 Speaker 01 No, people might be offended.
29:16 Caleb Hammer? What's the ignorant? I'm curious what's so ignorant that you got kicked out?
29:20 Speaker 01 That trans people shouldn't be allowed in like the gender that they identify as restrooms. So like a transgender woman shouldn't be allowed in a woman's restroom.
29:28 Caleb Hammer? Are you trans?
29:29 Speaker 01 No. But
29:31 Caleb Hammer? Why was this conversation happening? Why did she kick you out for it?
29:34 Speaker 01 Well, I don't know how it started. I was talking about a cruise that me and my friends were supposed to be going on. It got canceled. We're not going. Um, yeah. Um, and then something about like the tariffs. Um, got brought up and then we started talking about Trump. And then that got brought up somehow.
29:53 Caleb Hammer? If you guys know you're on opposite ends, it's like
29:55 Speaker 01 She started it. I wasn't talking about politics.
29:58 Caleb Hammer? You wouldn't be involved in the conversation, though. It would not have continued to go down the road if you weren't continuing the conversation.
30:04 Speaker 01 No, she's no.
30:05 Caleb Hammer? You weren't just sitting there and she was like tariffs? Trump.
30:08 Speaker 01 No.
30:09 Caleb Hammer? Rans.
30:09 Speaker 01 So she mentioned tariffs and I, I did say something about Trump because I thought
30:14 Caleb Hammer? Same, told you.
30:14 Speaker 01 I thought that it was his fault, but she was like, no, it's not. And then like in Mexico and stuff.
30:22 Speaker 01 Cause you know how he raised the tariffs like?
30:23 Caleb Hammer? Yeah, I'm just confused how, what you're even talking about. Okay, whatever. It doesn't matter. Okay, so you disagree with politics and she kicked you out?
30:29 Speaker 01 So I told her that she was so close minded that it's disgusting because of what she said about
30:33 Caleb Hammer? Why would you attack the person that's keeping you over their head? Well, just go in your room and just like
30:37 Speaker 01 She was attacking me. She was getting loud with me.
30:40 Caleb Hammer? Well, she doesn't like your position. That's fine. Separate. We have to separate, guys. The fucking politics cannot be a battle.
30:47 Speaker 01 I was trying and she just kept saying, why? Cause you know I'm right. Why? Cause you know I'm right. Cause I could ask on her to be quiet. And then when I told her
30:53 Caleb Hammer? Yeah, but no one likes to be called ignorant and closed minded, though. Obviously she viewed that as a personal attack.
30:58 Speaker 01 Well, yeah, but then she started throwing the stuff that she's done for me in my face.
31:01 Caleb Hammer? Well, yeah, I mean, she's allowing you to stay there. That is probably a truth.
31:06 Speaker 01 Yeah. I was kind of living their own free, so.
31:11 Caleb Hammer? So, yes. But again, just separate.
31:15 Speaker 01 I was trying.
31:15 Caleb Hammer? No, you were not. From everything you've said, no, you were not. You both enabled these
31:19 Speaker 01 I was trying, I was trying to fix my lunch for work the next day. And then I was gonna go in my room. And when I said, what I said about her being ignorant and closed minded.
31:28 Caleb Hammer? So you're like, you're ignorant and she kicked you out?
31:30 Speaker 01 She said, cause I had mentioned to her that my boyfriend wanted me to move in within the next few months. This was back in like February.
31:38 Caleb Hammer? Your boyfriend trans?
31:39 Speaker 01 No. I have friends that are like LGBTQ, so. And I have, like, one of my childhood best friends is trans.
31:45 Caleb Hammer? Okay.
31:47 Speaker 01 I just, I was like trying to think of-
31:49 Caleb Hammer? Isn't that a productive conversation to have? If you guys are completely opposite ends of the things, I like, I don't get it. It's just like, I wouldn't have that conversation.
31:55 Speaker 01 I didn't want to have that conversation. She's the one that brought up the transgender people.
31:59 Caleb Hammer? Yeah, but you could have stayed quiet if we were playing diplomatically and you were just throwing ignorant, ignorant, ignorant.
32:03 Speaker 01 I was, I was trying to stay quiet, but then she started to keep going on.
32:07 Caleb Hammer? Great, okay, so she kicked you out.
32:08 Speaker 01 She said, "You know what? You can go pack your bags and leave now instead of in a couple of months."
32:12 Caleb Hammer? What do you call a trans nephew?
32:14 Speaker 01 Huh?
32:15 Caleb Hammer? What do you call a trans nephew?
32:17 Speaker 01 I don't know.
32:18 Caleb Hammer? A nibbling.
32:21 Caleb Hammer? We learned that on the show and that is a hilarious word. Why did they choose that? What the [bleep] are we doing? A nibbling.
32:27 Speaker 01 What is that?
32:28 Caleb Hammer? That's your gender neutral nephew.
32:31 Speaker 01 Wouldn't it just be a child?
32:33 Caleb Hammer? You better not question it. You will be ignorant. You'll be very ignorant, real quick.
32:38 Speaker 01 I'll be ignorant.
32:39 Caleb Hammer? It is, it is a nibbling.
32:40 Speaker 01 It sounds like you're nibbling on something.
32:42 Caleb Hammer? Uh, that sounds like a bigot. 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, collaborated by experts with the lowest refund rate in the industry for a reason. And guess what?
33:22 Caleb Hammer? If you are struggling or you want to learn more or you want to change your life in any way whatsoever, like literal tens of thousands of people have done with our programs, go to dollarwise.com. Click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no-brainer. Dollarwise.com. Let's [bleep] go!
33:47 Speaker 01 Yeah, she kicked me out. And then the next day she tried texting me say like apologizing and saying that I could come back.
33:53 Caleb Hammer? Well, there we go.
33:54 Speaker 01 I didn't want to go back.
33:55 Caleb Hammer? Well, no.
33:56 Speaker 01 Because she said some really hurtful things.
33:58 Caleb Hammer? You both said hurtful things to each other. Come on.
34:02 Speaker 01 She was throwing the stuff that she's done for me in my face.
34:05 Caleb Hammer? Well, she was doing things.
34:06 Speaker 01 I know, but she would constantly tell me, oh, don't worry about it. Don't worry about it. Like I'm doing this for you because you're like a daughter to me.
34:13 Caleb Hammer? Listen, you guys were in a hostile conversation that what bubbles up and it comes out. That's where it comes out. It sucks, but that is.
34:19 Speaker 01 I didn't say anything to that extent to her, though.
34:22 Caleb Hammer? Come on, you both find different things insulting. We're all individuals in this. We find different things insulting.
34:28 Speaker 01 She basically called me a freeloader and said, good luck with your boyfriend because you're not going to be paying any bills when you live with him.
34:33 Caleb Hammer? She was attacked. I'm not, I'm not saying what she said was good, but you were attacking her. She attacked back. It wasn't great. And also you kind of are freeloading on your boyfriend.
34:41 Speaker 01 I help with bills. I help more than I did with her.
34:45 Caleb Hammer? Well, because you did nothing.
34:47 Speaker 01 She told me, she told me.
34:48 Caleb Hammer? I know, but literally if you provide $1, you're providing more than what you did with her. So like, yes.
34:54 Speaker 01 A quarter. She would tell me like, if you can't give me anything, the check, that's fine.
34:59 Caleb Hammer? No, I'm not arguing against it. I'm just saying, obviously, yes, you providing literally anything is more than what you were doing.
35:05 Speaker 01 Yeah.
35:06 Caleb Hammer? She still kind of not doing much. Okay, great. Listen.
35:12 Caleb Hammer? Zero to 10, what do you think your financial score is? Zero being the worst, 10 being the best.
35:15 Speaker 01 A zero.
35:16 Caleb Hammer? Good. Reasonable.
35:18 Speaker 01 I'm like a negative 10, probably.
35:19 Caleb Hammer? That doesn't exist. If you want your Hammer financial score, figure out where you stand in the world of finance to see where you're failing, see where you're doing really good. Take the assessment at CalebHammer.com. It is free. And if you don't want to be like a guest who ends up on the show, make sure you download the Dollar Wise Budgeting app. Sign up for the free trial. If you like it, you can save a lot of money by signing up for the annual version. And what you do, I'll sign a budget friendly cookbook that I made and I'll mail it directly to you. And you can also bundle it with all of our educational products together by joining Dollar Wise Central. That is 80% off. Go to DollarWise.com. Learn more. Let's do this thing.
35:53 Speaker 01 Are those veggies real?
35:55 Caleb Hammer? Huh?
35:55 Speaker 01 Are the veggies real on the car?
35:57 Caleb Hammer? Yes.
35:58 Speaker 01 Okay.
35:59 Caleb Hammer? Yeah, I was taking it to my house.
36:00 Speaker 01 Cute.
36:01 Caleb Hammer? Okay. Oh, credit one. We're gonna open with a credit one. The indication that we are
36:07 Speaker 01 That a credible with finances.
36:09 Caleb Hammer? That accounts. We're not doing that bad. It is indicative of, oh, you probably have really good finances. Credit one, everyone's favorite. Okay. Uh, oh, if we're not over the limit.
36:22 Speaker 01 That's probably from interest charges.
36:24 Caleb Hammer? Uh, let's see. Well, no, you actually were already over the limit. The only way interest charges would push you over the limit
36:34 Caleb Hammer? is by you not making a payment on time and get hit with late fees and whatnot. Didn't happen this month. Looks like it happened in April.
36:44 Speaker 01 Yeah.
36:45 Caleb Hammer? Cause that's what pushed us over. Then your minimum monthly payment isn't enough to pull you under with how over you went. What's going on with this card?
36:54 Speaker 01 I wanted something that I didn't have.
36:58 Caleb Hammer? What?
36:58 Speaker 01 The money for. I don't remember that card.
37:01 Caleb Hammer? You don't even see this is.
37:02 Speaker 01 And that's why. A couple of years old.
37:03 Caleb Hammer? And this is that that's it's been maxed out for a couple of years.
37:06 Speaker 01 Yeah.
37:06 Caleb Hammer? And that's why this is a broken philosophy that you have with the spending money on things because you don't even know what you got. It's something so insignificant that it doesn't even matter. Doesn't positively impact your life today, yet you are paying interest on it today. You are paying fees on it today. You are paying late fees on it today. Now you're over the limit today on something you got a couple of years ago that you don't even remember.
37:29 Speaker 01 It could have been food.
37:30 Caleb Hammer? It could have been, I'm sure. When you spend a ton on it. So $41 is your minimum monthly payment. Takes three years to pay off if you do minimum payments on time only without purchasing anything. And I bet if there was room to purchase, you would. Listen, $85 of fees, $117 of interest. And this is crazy. And of course, instead of 28.24% interest rate.
37:54 Speaker 01 I had it almost paid off before, and then they upped my credit limit.
37:59 Caleb Hammer? So how does that?
38:00 Speaker 01 So I started using on it again.
38:02 Caleb Hammer? But wouldn't you still had like available credit if you almost had paid it off? Why does them upping the credit limit all of a sudden be like, oh, let's go?
38:10 Speaker 01 I saw that I could spend more and I found something that was that I wanted.
38:15 Caleb Hammer? Of which we don't remember.
38:17 Speaker 01 Yeah.
38:18 Caleb Hammer? I mean, we know that you probably got through your purchases that you've talked about with Colton. Hundred twenty dollar AirPods phone upgrade, you know, a hundred forty dollars to pay the difference. I mean, a hundred dollars a minimum on fast food a week still. So it's like.
38:35 Speaker 01 That's why I had that cookbook in my Amazon cart.
38:39 Caleb Hammer? In the cart. The cart. Wasn't even purchased. It's in the cart. You're still considering whether or not you want to cook.
38:48 Speaker 01 I, I want to cook. I want to learn how to cook.
38:52 Caleb Hammer? What's complicated about cooking?
38:54 Speaker 01 So I messed up making like pre-made brownies before.
39:00 Caleb Hammer? Like, I don't.
39:01 Speaker 01 I guess.
39:03 Caleb Hammer? Okay. Do you go out a lot or are you like a stay at home kind of person?
39:09 Speaker 01 Like eating?
39:10 Caleb Hammer? I don't know. Just in general.
39:11 Speaker 01 In general, I'm more of a homebody.
39:12 Caleb Hammer? You're a homebody. Then why the are you not cooking if you're just at home? I guess that just leaves the DoorDash probably.
39:19 Speaker 01 Groceries are expensive.
39:21 Caleb Hammer? Not as expensive as DoorDash. What?
39:23 Speaker 01 I don't DoorDash. I'll go like go and pick something up.
39:25 Caleb Hammer? It's not as expensive as that.
39:28 Speaker 01 It depends.
39:28 Caleb Hammer? No, it does not.
39:29 Speaker 01 My meal at McDonald's is like six, seven dollars.
39:32 Caleb Hammer? Great. Your meal meal prepped would be less.
39:35 Speaker 01 I doubt it.
39:36 Caleb Hammer? Well, I can get you.
39:40 Caleb Hammer? I can get you at per meal. If we call it a twenty eight day month divided by three, I can get you at per meal. Two dollars and ninety cents if we're meal prepping. Yes, that is the math we've proven and we check it once a quarter to make sure it still works. And that's using the recipes in that cookbook.
39:57 Speaker 01 That's.
39:59 Caleb Hammer? But that involves meal prepping.
40:01 Speaker 01 I would.
40:03 Caleb Hammer? Like brand new meal three times a day.
40:06 Speaker 01 I know. I understand that.
40:08 Caleb Hammer? Okay.
40:09 Speaker 01 I eat leftovers.
40:10 Caleb Hammer? Dude, you're a homebody.
40:11 Speaker 01 Yeah.
40:12 Caleb Hammer? Why the what are we doing? If you're not believing, why can't you just stay home and cook?
40:18 Speaker 01 Because my boyfriend asks me, "Hey, do you wanna get McDonald's?"
40:21 Caleb Hammer? And your answer's no.
40:22 Speaker 01 My answer is yes.
40:24 Caleb Hammer? Well, your answer should be no. I mean, I've been told all you do is literally just watch TV if you're not at work, so.
40:31 Speaker 01 Yeah.
40:33 Caleb Hammer? Cook? You have all the time in the fucking world!
40:37 Speaker 01 It gets hot in the house. We don't have central AC. And it's.
40:41 Caleb Hammer? You're already there.
40:43 Speaker 01 But it gets hot in the house and I don't like.
40:44 Caleb Hammer? Vent it out.
40:45 Speaker 01 How? We don't have central AC.
40:47 Caleb Hammer? Vent it out in a window and a fan, you dumb tit.
40:50 Speaker 01 I guess.
40:51 Caleb Hammer? You guess?
40:52 Speaker 01 It's hot outside.
40:54 Caleb Hammer? Oh, my. Yes, but you can vent it out. If it's hotter outside than in, then close the window and just cook. Again, you're meal prepping a couple of times a week. The rest is just warming up what you meal prepped. So it's not like that impacts every day, anyway. There's lots of cold meal preps in there as well. Overnight oats and stuff like that. Salads.
41:12 Speaker 01 I like salad.
41:15 Speaker 01 I love salad.
41:17 Caleb Hammer? Okay.
41:17 Speaker 01 Maybe I'll get a big salad and like a tub of ranch with some grilled chicken on it.
41:24 Caleb Hammer? A tub of ranch?
41:25 Speaker 01 I love ranch. Outback ranch is so good.
41:28 Caleb Hammer? Ding ding ding. Oh, Outback Ranch specifically. Okay.
41:30 Speaker 01 Yes.
41:31 Caleb Hammer? Um. Yes.
41:35 Caleb Hammer? Let's not use ranch anymore, because one, expensive, two.
41:39 Speaker 01 I love ranch.
41:40 Caleb Hammer? I love ranch, too. I also love making it to the age of 60.
41:44 Speaker 01 Okay, what about Caesar dressing?
41:45 Caleb Hammer? Dude, any dressing is okay if you use it in a reasonable amount.
41:48 Speaker 01 Yeah, valid.
41:49 Caleb Hammer? You are not.
41:50 Speaker 01 Well, you're saying not to use ranch at all.
41:52 Caleb Hammer? In a reasonable amount.
41:54 Speaker 01 Okay. I might be able to do that.
41:56 Caleb Hammer? Buddy. Let's just talk about, and this sometimes upsets people, but I don't really give a f***. Pearl clutches are weird.
42:03 Caleb Hammer? There's, you're gonna have to make big sacrifices to budget. To get out of debt and to have a fully furnished home and get on track for retirement. There's also no point of doing any of that if you're gonna die at 40.
42:13 Speaker 01 That's around the age my mom died.
42:15 Caleb Hammer? That's not surprising. Were you guys similar?
42:18 Speaker 01 She had a massive heart attack, so.
42:21 Caleb Hammer? Are you, were you guys similar?
42:24 Speaker 01 Like, was she fat too?
42:25 Caleb Hammer? Yes, morbidly obese, let's be honest.
42:27 Speaker 01 Well, yeah, she had a heart attack.
42:28 Caleb Hammer? I don't know, people have heart attacks that aren't, but that is a, that'll get you there a lot quicker.
42:33 Speaker 01 As far as I know, my heart is fine.
42:35 Caleb Hammer? Buddy, you're 27.
42:37 Speaker 01 Yeah.
42:38 Caleb Hammer? Thought could happen in 13 years, it can go downhill real quick.
42:41 Speaker 01 I'm home because it doesn't.
42:42 Caleb Hammer? The hope isn't what does it? I'm sorry. No, no, no, we need to talk objective things. It's not a fat shamey thing, we got permission to do all this, blah, blah, blah, blah, blah. She and gave us all the consent in the world, so that's why I'm doing this. I wouldn't go up to a random person in the street and say this. You're morbidly obese.
42:56 Speaker 01 I know. My BMI is like over 50.
43:01 Caleb Hammer? Oh. Um, yeah, that's bad. Uh. Yeah, 40 is like, kinda where you're gonna be concluding this mission of life. That's not good for your boyfriend if you want to be together longer, selfish. Two, what's the point of sacrificing all this if you're not gonna actually do it? And I usually hate that argument for most people, cuz when most people say it, statistically, they will live into their 60s, 70s, maybe even 80s. So it's like, no, sacrifice for the statistical likelihood that you're gonna do it, that you're gonna make it there.
43:30 Speaker 01 13 years is a lot of years to still live.
43:33 Caleb Hammer? It's a lot of years to still live, but it's like you will be sacrificing during that, if we're, if we're doing this correctly. But, I mean, that's 200 milligrams of coffee right there with a heart that you already have, that is surrounded by-
43:46 Speaker 01 I am running off of 24 hours of that.
43:49 Caleb Hammer? I understand, I'm just saying, I want us to be objective here, we're talking about, sure, yeah, talking about morbid obesity specifically isn't a financial conversation, but it does involve the entire life that we're having here. What is the point of sacrificing payoff all this debt, getting fully funded emergency fund, and save for a retirement you'll never see?
44:08 Caleb Hammer? Your mom, morbidly obese, had a heart attack in 40 and died. You're living the same lifestyle, BMI over 50. Terrifying. And I know I'm a fat. I get it.
44:19 Speaker 01 Your BMI is probably like 20.
44:21 Caleb Hammer? I'm, I'm, I'm barely in the obese category, I'm almost 100.
44:25 Speaker 01 We love that.
44:26 Caleb Hammer? Yeah, they're monthly mukbangs and the Hammer Elite membership is not helping, but
44:32 Caleb Hammer? Cheesecake Factory this last time, not helping.
44:35 Speaker 01 I've never had Cheesecake Factory.
44:36 Caleb Hammer? Don't.
44:38 Speaker 01 Okay. I'll take your word for it.
44:40 Caleb Hammer? Well, a slice of cheesecake is over a thousand calories.
44:42 Speaker 01 Really?
44:43 Caleb Hammer? Yes. Uh, okay. Either way, do you understand what I'm saying?
44:46 Speaker 01 Yes.
44:47 Caleb Hammer? And this you meal prepping, cooking at home is a kill the bird with two still kill bird. No, no, what is it? What is it?
44:55 Speaker 01 Kill two birds with one stone.
44:57 Caleb Hammer? Yeah, well, yeah, two birds with one stone. Living longer via getting healthier. Finance is good.
45:06 Caleb Hammer? We like that.
45:10 Caleb Hammer? What? This isn't even like a sexual thing. What does your do this?
45:16 Caleb Hammer? Mine doesn't.
45:21 Speaker 01 Okay.
45:22 Caleb Hammer? So it's very important and it's a very serious thing. Okay. Like, yes, we make jokes and roasts and stuff. As you were well aware and are well aware, yes, that's for the fun of the conversation. Ha, ha, ha, ha, ha. That's real. I do not want you to follow your mom's footsteps. And there's no point in doing this if you.
45:40 Speaker 01 I don't want to follow her footsteps either.
45:42 Caleb Hammer? You're doing nothing to change it. I'm sorry. You've probably only got, come on, what's?
45:48 Caleb Hammer? I'm sorry. You, how much do you weigh?
45:50 Speaker 01 My biggest, I've been like three oh two right now.
45:53 Caleb Hammer? Do you know what you weigh?
45:54 Speaker 01 Two eighty seven.
45:55 Caleb Hammer? And how tall are you?
45:56 Speaker 01 Five four ish.
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47:22 Caleb Hammer? 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. Yeah. Okay, so...
47:50 Speaker 01 If only I was taller.
47:51 Caleb Hammer? I don't think that's the issue we're dealing with here.
47:55 Caleb Hammer? Okay, so time to take it seriously. And you're not, you don't want to follow her for stuff, so you're doing nothing to change that.
48:00 Speaker 01 I feel like I don't have the motivation to want to be healthier.
48:04 Caleb Hammer? Okay, here's the motivation. You won't die in 13 years.
48:10 Caleb Hammer? If that's not a motivation enough, I don't know what is. Death? Death?
48:15 Speaker 01 Who knows what my life will be like in 13 years?
48:18 Caleb Hammer? Dead. Probably. Unfortunately. Happened to your mom.
48:25 Caleb Hammer? And that sucked!
48:27 Speaker 01 She died in a GameStop parking lot.
48:29 Caleb Hammer? It's the ultimate way to go out, but...
48:32 Speaker 01 She was behind the driver's seat. She was about to head home. And like, it happened and she...
48:38 Caleb Hammer? Okay. I'm sorry.
48:39 Speaker 01 I'm sorry, I'm not trying to be morbid.
48:42 Caleb Hammer? Well, you're not! No, you are to yourself!
48:46 Caleb Hammer? That's why they call it morbid obesity.
48:48 Speaker 01 I wasn't about to say that.
48:50 Caleb Hammer? Well, no, I mean, that is...
48:52 Speaker 01 I know.
48:52 Caleb Hammer? That's why, okay.
48:53 Speaker 01 Wait, is it?
48:54 Caleb Hammer? I think so, okay, Amazon Chase card.
48:56 Speaker 01 Yes.
48:57 Caleb Hammer? $712.76 on here with a minimum payment of $35. Two years to pay this off. You're purchasing still on a card that is, oh, over the limit. This is also over the [bleep] limit by 12 bucks! What are we doing?
49:11 Speaker 01 That was probably my Prime membership.
49:15 Caleb Hammer? Maybe pull out your Amazon for me. Hundred seven in interest this year so far. I want to see what you've purchased. We saw what's in your car. I want to see what you've purchased. What you're buying on Amazon. So ridiculous. All this interest is coming in hundred seven this year so far. Substantial balance in these minimums. These payments are going to stack up for your income.
49:33 Speaker 01 I, I understand that. And that's why I feel like I'm in the position I am is because of all the minimums.
49:39 Caleb Hammer? Okay, here's the purchases. Uh, we got some bra. We got love stuffed animals hammock. Oh my gosh, hammocks for our stuffed animals.
49:48 Speaker 01 Yeah, I had a lot of stuffed animals.
49:49 Caleb Hammer? Stop, stop, stop, stop. Hyperallegenic nose stud, women, men, surgical something. Okay. Sixteen stainless steel keychain. This is all just so stupid, dude. Magic John Tupac iPhone thing. You're already getting iPhone stupid. Great. I don't give a, okay? I don't care. You have no money. What a dream. La Boo Boo case. She got a La Boo Boo case protecting. Oh, we're dying, ladies and gentlemen. The, the La Boo Boo gods heard me about the on this La Boo Boo purchase and.
50:26 Speaker 01 I'm not even using the case as the thing.
50:28 Caleb Hammer? She's not even using the case as the thing. Great. She got a protectorate case and then she doesn't even use it. She just keeps it on her.
50:36 Caleb Hammer? Oh, side in box mat. That thing for iPhone. That's for my boyfriend. Flip flops. Just cover your toes, please.
50:44 Speaker 01 I am today.
50:45 Caleb Hammer? None of us need that.
50:46 Speaker 01 Covering them today.
50:47 Caleb Hammer? Velvet cloak with hood.
50:49 Speaker 01 That was for my boyfriend. He was, we were watching Harry Potter and he was feeling very wizardy.
50:56 Caleb Hammer? Oh, I hate you guys. Oh, I'm sorry. What the? What you, you're twenty seven!
51:04 Speaker 01 I'm not even really into Harry Potter like that. What house are you?
51:08 Caleb Hammer? What do you think?
51:10 Speaker 01 Ravenclaw.
51:11 Caleb Hammer? Slytherin.
51:13 Speaker 01 My boyfriend is too. I'm a Hufflepuff.
51:20 Caleb Hammer? Every entrepreneur and business owner is in Slytherin.
51:23 Speaker 01 Really?
51:24 Caleb Hammer? Yeah.
51:26 Caleb Hammer? Tress Wellness Hard Wax.
51:28 Speaker 01 I had to wash my face.
51:30 Caleb Hammer? Fucking more plushy bullshit. There's some closed toed shoes.
51:33 Speaker 01 I'm wearing them right now.
51:35 Caleb Hammer? Good. We're lucky. We're blessed.
51:40 Caleb Hammer? Oh, oh, I got a note that you were absolutely thrilled and absolutely gushing on the phone with Colton that you found out you can affirm on Amazon.
51:49 Speaker 01 Yeah.
51:52 Caleb Hammer? Wonderful. Great. New financial unlocked.
51:58 Speaker 01 That's what most of my affirms usually are, is Amazon purchases.
52:04 Caleb Hammer? Well, something else we will be getting to affirm then.
52:09 Caleb Hammer? Merrick Bank Visa. Okay, it's a credit card.
52:14 Speaker 01 Yes.
52:15 Caleb Hammer? Purchasing again on a card that is over the limit. This is three in a row. We've looked at three cards that are all over the limit. This one's over the limit by $12. What the are you doing? You don't care about anything. You don't give a do you?
52:25 Speaker 01 I do.
52:26 Caleb Hammer? Dude, you're over the limit on the three cards we've looked at. Please explain to me any kind of indication that suggests you care.
52:33 Speaker 01 I'm here.
52:34 Caleb Hammer? That is, come on. I like, that's exciting. I'm glad, but you haven't shown in your actions that you care. Good. You stand in front of a camera for two hours. I mean, that's not insignificant. I don't want to discount that, but it's like you're not doing anything in your own actions and finances.
52:49 Speaker 01 That's why I'm here because I want to be able to be able to take those actions and be better.
52:55 Caleb Hammer? I hope so. $612.60 minimum monthly payment, $35. What?
53:00 Speaker 01 I was confused because when I first opened the card, it was um like a 500 um credit limit.
53:06 Caleb Hammer? Probably went up.
53:07 Speaker 01 It did.
53:07 Caleb Hammer? Great.
53:08 Speaker 01 I remember because when I used it.
53:10 Caleb Hammer? $14.86 of interest accrued after you purchased, pushed it up above. Great. Listen, you can use the Fizz card. At least it's a debit card that builds credit. That's what I would allow you to do. And if you ever want to get a big girl job, I'll get you a course career certification so you can build your resume and do that.
53:25 Caleb Hammer? I'll help you with either of those things, but listen, what's the critical purchase we did? McDonald's. Shocker. Laundry cat? You don't have laundry in apartment? Okay, that's fine. We will budget that in.
53:36 Speaker 01 I've recently started going to my aunt's house. She's like 15 ish minutes away from me.
53:41 Caleb Hammer? Well, that's fine as well. And if you have to pay for laundry, that's okay. Like it is. Like if you don't have it in the place, that's fine. I'm okay with that. Uh, but the McDonald's, what the [__] are we doing? And then pushing it about the credit limit? Not paying off a card takes two years to pay off minimum payments without purchasing, but you can't not go to McDonald's. That's all you do.
53:55 Speaker 01 It's like five minutes away from the house.
53:57 Caleb Hammer? Why does that matter? It's money you don't have.
54:00 Speaker 01 It's right there.
54:01 Caleb Hammer? Why does that matter if it's money you don't have? There's McDonald's everywhere. That's kind of what they're known for.
54:08 Caleb Hammer? What's your McDonald's order?
54:09 Speaker 01 Um, so lately I've been getting like the two cheeseburgers and a fry. Like the two cheeseburger meal and a fry.
54:17 Caleb Hammer? Two cheeseburgers?
54:18 Speaker 01 Yeah, they're small.
54:25 Speaker 01 Sometimes I'll get a hot and spicy.
54:27 Caleb Hammer? Huh?
54:28 Speaker 01 Sometimes I'll get a hot and spicy instead.
54:31 Caleb Hammer? No drink?
54:32 Speaker 01 Yeah, I'll get um, either Dr. Pepper or Hi-C.
54:35 Caleb Hammer? What size?
54:37 Speaker 01 Large.
54:40 Caleb Hammer? Forty years old, huh?
54:45 Speaker 01 I feel like I balance like the sodas out because I do drink a lot of water.
55:01 Caleb Hammer? I wish I, I wish it wasn't so [__] saying that to laugh to. It's like you, that is your literal life. It's, it's, it's tragic. Okay, Capital One, what's going on with this?
55:12 Speaker 01 Which one?
55:13 Caleb Hammer? It's just, oh, Platinum.
55:15 Speaker 01 Which one? I have two.
55:18 Caleb Hammer? Uh, World? Huh? Capital Platinum Card, World Mastercard.
55:23 Speaker 01 World?
55:25 Caleb Hammer? That's what it says. I don't know.
55:26 Speaker 01 Um, probably wanted something that I didn't have the money for.
55:30 Caleb Hammer? Oh, good. Yeah. It's a balance of $508. Does that help narrow it down?
55:35 Speaker 01 Uh, not really.
55:36 Caleb Hammer? How could I tell you which one then if not the balance would even answer it?
55:41 Caleb Hammer? She's over the credit limit, four in a row now, four in the row now, she's over the limit, the limit's 500. You're over the limit of everything dude, you're over the BMI limit, you're over on all the credit limits, you're just
55:53 Speaker 01 It was probably interest that brought it over.
55:56 Caleb Hammer? No, you dumb, I'm sorry, I'm sorry, I'm sorry, I'm sorry, shh, quiet, that is, that is ridiculous. The interest alone, if you did not purchase and you made a minimum payment, would not do it. It would never do it, never, never, not even on a payday loan would it do it.
56:12 Speaker 01 What did I purchase on that card?
56:14 Caleb Hammer? I will get into that, I need you to know that, it would not do that.
56:18 Speaker 01 Okay.
56:18 Caleb Hammer? The minimum monthly payment is constructed in a way where you will pay it off, it will not just endlessly go off. It might take forever, but it will be paid off. But if you make a payment and it goes $2 under the limit, then you make a $20, $2.12 purchase, no after the interest then hits, it goes above, nope, that's how it works, it's only because you purchased, because you made the choices. Choices, yours.
56:47 Caleb Hammer? What?
56:48 Speaker 01 Was that Taco Bell or McDonald's?
56:50 Caleb Hammer? It was DoorDash, and what you said you didn't do, you dumb tit, Popeyes, then you went into a gas station and got probably a Celsius or something.
56:57 Speaker 01 I usually drink Monster.
56:59 Caleb Hammer? Great, you went into the gas station and got some Monster.
57:01 Speaker 01 Probably.
57:02 Caleb Hammer? Is it Monster Zero?
57:03 Speaker 01 No. I like
57:05 Caleb Hammer? For what it's worth, those things are so calorically dense, they're insane.
57:08 Speaker 01 What do you mean dense?
57:10 Caleb Hammer? As in they have a ton of calories.
57:12 Speaker 01 Oh.
57:13 Caleb Hammer? For the amount that you're consuming. What is, what is the calorie, Brandon, do you know, you, you drink that shit, don't you? No, a Monster.
57:21 Speaker 04 Oh, not a Monster, that's disgusting.
57:23 Caleb Hammer? Uh, well, no, no, no, we established on fat and fatter, it is actually quite yummy, but it's but it's like disgusting in terms of health, but it, but it's yummy.
57:32 Speaker 04 Monsters are like 200 calories a Monster.
57:34 Speaker 01 This is like 10 calories.
57:36 Caleb Hammer? Yeah, because it's Celsius.
57:38 Speaker 01 But the pipeline punch is so good.
57:42 Speaker 01 It's the best flavor.
57:43 Caleb Hammer? I'm Googling it. The normal one's 230. It's probably similar. It's actually a little lower for what it's worth.
57:47 Speaker 01 Oh, really?
57:48 Caleb Hammer? Um, uh, 200.
57:51 Speaker 01 Jazz hands.
57:52 Caleb Hammer? We're on a diet.
57:54 Speaker 01 Who's on a diet?
57:55 Caleb Hammer? Great. So we got a monster and we DoorDash Popeyes, of which, again, we said we did not do, ever.
58:01 Speaker 01 I never said I never did it.
58:03 Caleb Hammer? It's kind of what you were at least suggesting through your language. Replay it, throw it in. Not as expensive as DoorDash. What?
58:09 Speaker 01 I don't DoorDash. I'll go like go and pick something up.
58:11 Caleb Hammer? It's not as expensive as that. Come on. That's what it at least sounded like with your words you were saying.
58:16 Speaker 01 Because you made it sound like I only DoorDash, like once did DoorDash.
58:22 Caleb Hammer? This is crazy. You pushed it over the limit for Monster and Popeyes.
58:29 Speaker 01 I probably needed a Monster that morning.
58:32 Caleb Hammer? There's no such thing.
58:33 Speaker 01 Yes, there is.
58:34 Caleb Hammer? As need?
58:35 Speaker 01 If I didn't get a good night's sleep, I need something to keep me awake.
58:39 Caleb Hammer? Buddy, then you were just keeping that cycle going.
58:41 Speaker 01 What do you mean?
58:42 Caleb Hammer? If you are overcompensating by not getting enough sleep and not keeping your caffeine at a baseline level, you're overcompensating. You are gonna make it harder to sleep still.
58:51 Speaker 01 It's not that I don't get enough sleep. I just don't sleep good.
58:54 Caleb Hammer? No, I'm sorry. But that that is how that works medically.
59:00 Speaker 01 It's probably because I have sleep apnea.
59:02 Caleb Hammer? Yes, that's what I'm saying.
59:04 Speaker 01 I'm supposed to have a sleep apnea machine.
59:05 Caleb Hammer? No, yeah, let's just get to the grave quicker. Come on. I'm not saying that it's an insult. This is like not a surprise. It's like you can solve these issues by doing just a couple of things that we're talking about that also improve your finances.
59:22 Caleb Hammer? Okay, interest, yeah, 82 bucks. Yeah, 29% rate. Okay, we got a venture one card.
59:28 Speaker 01 Okay.
59:28 Caleb Hammer? What's going on with this? Is it, I probably got something I couldn't afford? Or is there a little more information, perhaps? A little more reflection?
59:36 Speaker 01 I want to.
59:40 Caleb Hammer? All right, ladies and gentlemen, get her on Rogan immediately.
59:42 Speaker 01 What's Rogan?
59:46 Caleb Hammer? You're a cable TV watcher? Is that what the TV you're watching all day?
59:49 Speaker 01 No, we use streaming services.
59:54 Caleb Hammer? Do you use YouTube?
59:55 Speaker 01 Yeah.
59:56 Caleb Hammer? Listen, it's okay if you don't watch, but the fact that you just don't know, I'm a little concerned.
1:00:00 Speaker 01 I do watch you.
1:00:01 Caleb Hammer? Out of just...
1:00:01 Speaker 01 I was listening to your pod.
1:00:03 Caleb Hammer? Not me. It's okay if you don't watch him, that's, that's fine. I'm not, I'm not advocating for that specifically.
1:00:07 Speaker 01 Is he another finance?
1:00:08 Caleb Hammer? Dude, it's just the top podcast. And it's okay if you don't like it or like it. I'm not, I'm not, I'm not, I'm not suggesting that. I'm just like, it's literally the top. So it's like, how do you not know that? Like, what cultural blindness do we have?
1:00:18 Speaker 01 Yeah.
1:00:19 Caleb Hammer? I lost the paper for the last one. I need to know the minimum monthly payment for the Capital One Platinum that we went through.
1:00:26 Speaker 01 All of them are 25, the minimum.
1:00:28 Caleb Hammer? Okay, 25.
1:00:29 Speaker 01 Yeah, all for, for all Capital One ones.
1:00:31 Caleb Hammer? Okay, this Capital One Venture is also a 25 at a $506 balance. It is. It's over the limit. Good, dude. This is five in a row. This is five in a row.
1:00:41 Speaker 01 Five for five.
1:00:42 Caleb Hammer? Colton's saying all you watch is Supernatural, so I don't want to hear it.
1:00:44 Speaker 01 Yeah.
1:00:45 Caleb Hammer? No, well then, yeah, I'm not surprised you don't know who people are.
1:00:48 Speaker 01 I...
1:00:49 Caleb Hammer? That's fine.
1:00:50 Speaker 01 Use that card to go to a Supernatural convention.
1:00:55 Caleb Hammer? Is this Supernatural an old show?
1:00:57 Speaker 01 Yes, but they still do conventions. They still do conventions.
1:01:01 Caleb Hammer? That we go over a limit for?
1:01:03 Speaker 01 Yes.
1:01:04 Caleb Hammer? Oh my goodness. From the cloaks to become wizards to Supernatural conventions to being maxed out on every card plus more? Oh, what are we doing? There's just, there's no indication that you actually do care. I'm sorry. You say I care, and that's why I'm sitting in this seat?
1:01:19 Speaker 01 That was a couple of years ago. That was the reason I opened that card.
1:01:22 Caleb Hammer? But it isn't. Either way, you are over now and you got the cloak last month, so I don't want to hear it.
1:01:26 Speaker 01 The cloak has nothing to do with Supernatural.
1:01:28 Caleb Hammer? I am talking about your spending behavior. Why are you laughing?
1:01:34 Speaker 01 I don't know. I'm sorry.
1:01:38 Caleb Hammer? You're taking this seriously?
1:01:40 Speaker 01 No. Um, yes, I'm sorry.
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1:02:12 Speaker 01 Wait, no, that was, I am taking this seriously, I'm sorry.
1:02:16 Caleb Hammer? Two years to pay this off, it was Disney Plus. Yep, there's a subscription. We got, we're keeping Disney Plus on a card that is over the limit. Well done, you're never gonna be debt-free.
1:02:27 Speaker 01 That's what brought it over the limit.
1:02:28 Caleb Hammer? No shit, and that, guess what, believe it or not, charges on a reoccurring basis. So, that's gonna keep it over the limit. Yeah?
1:02:38 Speaker 01 Recently, I made like a bigger payment, like a minimum payment, so hopefully it won't go over again.
1:02:46 Caleb Hammer? Doubt, cuz that's not how this works, dude. It's just gonna keep going cuz there's more, this is more money. Alright, another platinum card, so we'll call this the second platinum. Four hundred fifty-six dollars and eighty-one cents. Wow, the first time we're not over. Well done, you're about forty bucks to get there, but, okay, thrilling, twenty-five dollar minimum payment. Two years to pay this off, they're all two years, but that's if you don't purchase. And you didn't purchase on this, cuz it's like the first one we didn't purchase on, so it didn't go over. I'm sure you will, well, now that there's the ability to purchase. Thirty-one point two-four percent interest rate.
1:03:21 Speaker 01 You don't wanna know my car, but, interest rate.
1:03:24 Caleb Hammer? Huh?
1:03:24 Speaker 01 You don't wanna know my car.
1:03:26 Caleb Hammer? Well, in fact, I do, but we'll find out when we get to it, for fuck's sake.
1:03:29 Speaker 01 Cuz if you think that's bad.
1:03:31 Caleb Hammer? Well!
1:03:33 Caleb Hammer? Okay. Okay, we have a Target card of which we didn't send a statement. We sent...
1:03:40 Speaker 01 That...
1:03:41 Caleb Hammer? We sent a screenshot of the "Download Your Statement" page. And there's all the months of her statements instead of actually clicking...
1:03:48 Speaker 01 The statement is really small at the top. It wouldn't let me download it. I can try to read it for you. I can read... I have eyes. Okay, okay. Oh, I'm sorry. I didn't know if you were nearsighted or farsighted.
1:03:59 Caleb Hammer? But I have glasses.
1:04:00 Speaker 01 That doesn't matter.
1:04:02 Caleb Hammer? $366.60. You're under by 30 bucks. Yeah, but you're Target-obsessed, aren't you?
1:04:08 Speaker 01 I used to be.
1:04:09 Caleb Hammer? That's how you get your steps in. $366.30 minimum monthly payment.
1:04:17 Caleb Hammer? 15 months to pay this off. Again, no purchases, but $8.88 of interest this last month.
1:04:23 Speaker 01 So if there's been no purchases... Oh, never mind. I'm thinking of something else.
1:04:28 Caleb Hammer? Ah, man, this just keeps going. Are we... Are we... Are we making a third Fat Stack week at this point? This is crazy. This week has been the most insane week of filming I've ever experienced. And that's why the wink... The wink... The ink is so dull. Because we've... We've just... We're just running out of ink with you people. This is crazy this week.
1:04:46 Speaker 01 Print in black and white then.
1:04:47 Caleb Hammer? Huh?
1:04:47 Speaker 01 Print in black and white.
1:04:48 Caleb Hammer? Dude, this... This is...
1:04:50 Speaker 01 It's orange.
1:04:51 Caleb Hammer? Yeah, but the black and white is what's... Oh, you... Yeah, I hate you. No, I don't. That's not true. Just, I don't... I hate that moment. Torrid! What's going on, Torrid?!
1:05:02 Speaker 01 I purchase clothes with that card, like, when I need them.
1:05:08 Caleb Hammer? Why would you need more? You already have.
1:05:10 Speaker 01 It was initially open because I needed some pants for work.
1:05:13 Caleb Hammer? You did not have pants.
1:05:14 Speaker 01 Not that specific type, no. And it was Black Friday.
1:05:17 Caleb Hammer? Okay, so we got 200... Or $352.34 of pants?
1:05:22 Speaker 01 No.
1:05:22 Caleb Hammer? Single pair?
1:05:23 Speaker 01 I... That... When I opened that card, that was the reason I bought it.
1:05:26 Caleb Hammer? Right.
1:05:27 Speaker 01 Opened it. That was... Yeah.
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1:05:48 Caleb Hammer? Well, then take the train, Jeff!
1:05:50 Speaker 02 And brand-new shows, Fat and Fatter.
1:05:53 Caleb Hammer? That is... That one is... I would go off-brand.
1:05:58 Speaker 02 Behind the Audit.
1:06:00 Speaker 04 Well, this was wild!
1:06:02 Speaker 02 Shop Smart.
1:06:07 Speaker 02 And now, upgrading from one livestream a week to two. No other channel offers what Hammer Elite provides. Join with the link in the pinned comment or description below. Join Hammer Elite, the best membership on YouTube today.
1:06:24 Caleb Hammer? You guys are destroying your financial future. Spending like you have unlimited money, but you're just going further in the hole. What do you mean? You have a literal $1,100 monthly car payment! Yeah, it's getting a little tight. $264 in monthly subscriptions! I didn't know we had that many. You guys have to take control of your finances. How? Just download the Dollar Wise Budgeting app. It shows all of your expenses in one place. It helps you monitor your finances so you're not blowing hundreds of dollars a year on things you don't need. Download the Dollar Wise Budgeting app today and take advantage of your free trial. And now, I mean, you're still purchasing. You've got something at Torrid for $56,078 cents.
1:07:08 Speaker 01 That was probably a new bra.
1:07:10 Caleb Hammer? You did not have bras.
1:07:13 Caleb Hammer? You did not have bras.
1:07:14 Speaker 01 Not one that fit me properly, no.
1:07:16 Caleb Hammer? Are boobs fluctuating endlessly?
1:07:18 Speaker 01 Different types fit differently. Like, different styles. They have different styles.
1:07:22 Caleb Hammer? Why didn't you have, by 27, bras that fit you?
1:07:26 Speaker 01 Huh? That's not the only thing I've bought.
1:07:29 Caleb Hammer? I'm just confused how you had to spend this. Like, of 27 years, you never got bras that worked.
1:07:38 Speaker 01 I purchased more than bras with that card.
1:07:40 Caleb Hammer? No, you said this was bras, though. This purchase.
1:07:44 Speaker 01 Like, the most recent purchases, recent purchase was a bra.
1:07:47 Caleb Hammer? And I'm confused how you did not have any bras that fit you.
1:07:50 Speaker 01 Because I was buying the wrong style.
1:07:52 Caleb Hammer? For 27 years?
1:07:54 Speaker 01 I guess.
1:07:57 Caleb Hammer? Oh, for fuck's sake. Okay, 11 hours and one cent of interest is accruing. Yeah, it's close to the limit. At least you're not over. Oh, you've had a late fee this year so far. Well done.
1:08:07 Speaker 01 Um. I don't remember that.
1:08:11 Caleb Hammer? I'm sure you don't.
1:08:13 Caleb Hammer? Thirty-five! Thirty-five point nine-nine percent interest. Oh, that's insanity. That is disgusting. Never even fucking seen that on a credit card, as far as I remember. Oh, okay, let's keep going. Let's keep going. Zable. What the fuck is a zable? You're getting things that are just like made up British words. Oh, zable, oh, good, good, zable, zable. Oh, zable card, so I can get my fleabum.
1:08:41 Caleb Hammer? What the fuck is this?
1:08:42 Speaker 01 That's a credit card.
1:08:48 Caleb Hammer? Wonderful answer. Ladies and gentlemen, get her on Theo Von next.
1:08:53 Caleb Hammer? Our interview queen. What's going on with it, perhaps?
1:08:57 Speaker 01 I use it for food, I think, mostly.
1:09:01 Caleb Hammer? Okay. Yeah, $26.58 of purchases, $8.84 of interest. Oh, we're over the limit once more! $301.63, $25 minimum monthly payment.
1:09:16 Caleb Hammer? Yeah, we DoorDash Subway. So, so far, we've had a few going out to eat, but two out of three of them have been DoorDashing. And are we still sure the majority's not DoorDash? Because right now, the majority is leaning towards DoorDash. I'm sure we're gonna get a lot more on checking, because, oh, you spent a lot.
1:09:30 Speaker 01 No, a lot of the, like, charges on my checking for food is, like, drive-through.
1:09:34 Caleb Hammer? Well, it's funny, because you don't have the room to purchase it on your credit cards, or else you would. They're all maxed out, and many over.
1:09:41 Speaker 01 Yeah.
1:09:42 Caleb Hammer? Crazy. Why, in your financial situation, $15 an hour, are we getting so much DoorDash in a month? Like, that's insane. Is that not insane?
1:09:50 Speaker 01 I'll bring lunch. Like, I'll bring, like, a frozen.
1:09:53 Caleb Hammer? Dude, I don't even need to hear that. I'm asking, is it not insane that you alone are getting DoorDash? At $15 an hour?
1:10:02 Speaker 01 It might be insane, yeah.
1:10:03 Caleb Hammer? Yes, it is.
1:10:05 Speaker 01 It might be.
1:10:06 Caleb Hammer? It is. Quick silver card.
1:10:08 Speaker 01 Um, that one
1:10:14 Speaker 01 may have been for an
1:10:19 Speaker 01 a purchase.
1:10:22 Caleb Hammer? Wow.
1:10:22 Speaker 01 Obviously, I'm sorry. No, stop.
1:10:25 Caleb Hammer? Thirty seconds to really get to that fucking, now really insightful.
1:10:31 Speaker 01 I was trying to remember the exact purchase.
1:10:32 Caleb Hammer? I can't even think of another interview show we should get her on. Let's get her on Jimmy Kimmel.
1:10:38 Speaker 01 Um, maybe Amazon.
1:10:42 Speaker 01 Even though I have an Amazon.
1:10:43 Caleb Hammer? You didn't even purchase, dude. You didn't even purchase. It's pretty close to max out, but you didn't even purchase. Okay, you made your minimum payment of 25 bucks and that was it.
1:10:53 Caleb Hammer? The six hours and 31 cents of interest accrued.
1:10:57 Caleb Hammer? We've made it to a firm.
1:11:00 Caleb Hammer? And it's 36% interest rate. Oh, I'm losing hope on this one. Who? Who's too many fat stacks this week? That is not making fun of your weight. That is the amount of paperwork.
1:11:12 Caleb Hammer? But I guess by saying I wasn't making fun of your weight, I called attention to us, so.
1:11:17 Speaker 01 Even if you were, it's okay.
1:11:19 Caleb Hammer? I know.
1:11:22 Caleb Hammer? Well, I wouldn't be saying it if it wasn't already allowed. I don't just make fun of people without their permission.
1:11:29 Caleb Hammer? $447.50 is owed on here.
1:11:33 Speaker 01 That is for concert tickets.
1:11:36 Caleb Hammer? To who? The fat IPs?
1:11:40 Speaker 01 Boom.
1:11:42 Caleb Hammer? I'm gonna kill myself.
1:11:44 Speaker 01 Um, take a wild guess. Just guess.
1:11:47 Caleb Hammer? Get me on Kill Tony.
1:11:50 Caleb Hammer? Fat and black doesn't even sound similar. What did I do? I'm like, I'm literally constructing noose, every noose ever right now. I need to just.
1:11:59 Speaker 01 You really are trying to make fun of my weight.
1:12:03 Caleb Hammer? Huh?
1:12:03 Speaker 01 You said the fat IP.
1:12:05 Caleb Hammer? Oh, you're going back to that?
1:12:06 Speaker 01 You were just so.
1:12:07 Caleb Hammer? I was making fun of myself, though, how horrendous that was. Phew. Like, it didn't, it wasn't even, it wasn't even bad enough to get a smirk from anyone in the room. You know how a joke can be so bad that it gets a smirk?
1:12:20 Caleb Hammer? Not even that.
1:12:21 Speaker 01 So, that's, um, I'm going to see Twenty One Pilots in October.
1:12:25 Caleb Hammer? What the could they been up to? They're, this 2015. They, they, they, that's, they're done.
1:12:31 Speaker 01 Honest, like, Tyler said after this tour, they don't know when they'll be touring again.
1:12:34 Caleb Hammer? Who's Tyler?
1:12:35 Speaker 01 One of the guys.
1:12:36 Caleb Hammer? Is that your boyfriend?
1:12:37 Speaker 01 No, one of the guys on Twenty One Pilots.
1:12:39 Caleb Hammer? You can't just name drop people. Well, I don't know.
1:12:40 Speaker 01 Well, you said 2015, so I thought you knew who they were.
1:12:43 Caleb Hammer? I know who they are. Why would I know their surnames?
1:12:46 Speaker 01 I thought you knew their names, because you knew
1:12:48 Caleb Hammer? No!
1:12:48 Speaker 01 that they were popular in 2015.
1:12:50 Caleb Hammer? I know a lot of bands. I don't know their names.
1:12:52 Speaker 01 Well, yeah.
1:12:53 Caleb Hammer? Why the would I care?
1:12:54 Speaker 01 Tyler is the, um, like singer.
1:12:56 Caleb Hammer? I know Tyler, the creator's name is Tyler.
1:12:59 Speaker 01 Well, the singer's name is Tyler, too. But he said that they don't know when they'll be touring again after this tour.
1:13:04 Caleb Hammer? Well, that's because they've heavily fallen off.
1:13:07 Speaker 01 No, it's because they've been touring a lot.
1:13:10 Speaker 01 They have not heavily fallen off. Don't even play with me.
1:13:14 Speaker 01 I.
1:13:15 Caleb Hammer? Dude, I like their music in 2015.
1:13:18 Speaker 01 Have you listened to their new stuff?
1:13:20 Caleb Hammer? Nobody has. That's the point.
1:13:21 Speaker 01 I have.
1:13:23 Caleb Hammer? And I guess you make up for at least three people, so.
1:13:27 Caleb Hammer? That's helping them get there.
1:13:29 Speaker 01 But, um, I was supposed to be going with a friend and her husband, but that's not happening anymore.
1:13:35 Caleb Hammer? Which one? I don't care. Great. So you purchased something for, it's barely not even happening anymore. You're going alone. Wonderful.
1:13:41 Speaker 01 She.
1:13:42 Caleb Hammer? Hey, what's your minimum monthly payment on this?
1:13:45 Speaker 01 Forty.
1:13:46 Caleb Hammer? Wonderful. This will be paid off in, by when you're forty.
1:13:50 Speaker 01 She's still paying me for her and her husband's half, because she went behind my back and bought concert tickets for a different concert that same day in a different, um.
1:13:58 Caleb Hammer? What band?
1:14:00 Speaker 01 A K-pop group.
1:14:01 Caleb Hammer? Now, that seems valid.
1:14:03 Speaker 01 What do you mean?
1:14:04 Caleb Hammer? I don't know, but at least people listen to them.
1:14:06 Speaker 01 You don't even know, you don't even know the group.
1:14:08 Caleb Hammer? No, but K-pop's huge right now.
1:14:10 Speaker 01 K-pop has been huge.
1:14:11 Caleb Hammer? Exactly.
1:14:13 Speaker 01 We just saw.
1:14:13 Caleb Hammer? Guess who's not? Guess who is?
1:14:16 Speaker 01 We just.
1:14:16 Caleb Hammer? Sorry. I can't. I'm sorry.
1:14:22 Caleb Hammer? Okay, what is this affirm that is 120?
1:14:27 Caleb Hammer? I would never make these jokes if it wasn't for this. I mean, kind of here and there with my friends. Sure. $126.81 at a 36% interest rate. What is this?
1:14:36 Speaker 01 It's probably Sheen.
1:14:37 Caleb Hammer? It was Sheen. Wonderful.
1:14:39 Speaker 01 For my two La Boo Boo's.
1:14:41 Caleb Hammer? From Sheen?
1:14:42 Speaker 01 They're authentic.
1:14:46 Caleb Hammer? You want me to jack you off? What do we?
1:14:48 Speaker 01 I don't have that for you to do that.
1:14:50 Caleb Hammer? We can still call it that, but it's.
1:14:54 Speaker 01 I can't get them off Popmart.
1:14:55 Caleb Hammer? You shouldn't get them.
1:14:57 Speaker 01 I wanted them.
1:14:58 Caleb Hammer? Within the last year, she has affirmed $700 of La Boo Boo's.
1:15:04 Speaker 01 Yeah.
1:15:05 Caleb Hammer? Great. Well, we're paying 36% interest on La Boo Boo, making a multi, multi billionaire even more multi, multi. Wonderful. And that fad's already kind of already going, so.
1:15:14 Speaker 01 Not really. They're still really hard to get.
1:15:15 Caleb Hammer? Oh, my God. It's just like 21 Pilots. Come on. It's like you're not recognizing the trend. They're not as relevant as they were a few months ago.
1:15:22 Speaker 01 First of all, quit coming for 21 Pilots. They didn't do anything to you.
1:15:26 Caleb Hammer? 10 years ago.
1:15:27 Speaker 01 Exactly. You might. I don't know what you should listen to.
1:15:32 Caleb Hammer? Sabrina. So Chime, and I like Chime. I mean, they're the high yield savings account that we market. And I'm okay, again, with like pay advance stuff. There are way to finesse it. You and people on the show do not, and it is anti you. Now, hopefully you're not even using that. You didn't. Okay, good.
1:15:49 Speaker 01 I've used it once. You're talking about like borrowing from like my.
1:15:53 Caleb Hammer? Yeah, you just get. Well, you get your check early, but yeah.
1:15:55 Speaker 01 Yeah, I've done it.
1:15:56 Caleb Hammer? Well, okay, so nothing really happened in this account. Okay, now Experian.
1:16:02 Caleb Hammer? Goodyear Tire?
1:16:04 Speaker 01 Yes. I have a Goodyear card.
1:16:06 Caleb Hammer? I wish we could have gotten a statement for that, but okay.
1:16:09 Speaker 01 I sent a screenshot.
1:16:10 Caleb Hammer? Of your experience?
1:16:12 Speaker 01 No, of the Goodyear card.
1:16:19 Caleb Hammer? Okay, well, I don't know. It's a hundred, or it's a thousand one hundred twenty-five dollars with a thirty twenty-five over the limit somehow. Great. But what's your minimum payment? Forty? Great. Wonderful. What's the interest rate?
1:16:35 Caleb Hammer? Did you struggle to breathe?
1:16:36 Speaker 01 No, I don't know my interest rate.
1:16:38 Caleb Hammer? Okay, what's your minimum payment on that, La Boo Boo?
1:16:42 Speaker 01 A little boo boo? Uh, I think like eleven or twelve.
1:16:45 Caleb Hammer? Yeah, I forgot to write that down. Okay, Best Egg. It's not New Egg. I don't know what Best Egg is. What's Best Egg?
1:16:51 Speaker 01 That's a personal loan.
1:16:53 Caleb Hammer? Good. For wh- oh, no. Yes, it totally is. Three thousand, three hundred eighty-two dollars and fifty cents. What? For what?
1:17:03 Speaker 01 Uh, that was also for the Supernatural Convention.
1:17:06 Caleb Hammer? Oh, what? This is three thousand, three hundred eighty-two dollars?
1:17:11 Speaker 01 The loan was for five thousand. It didn't all go towards-
1:17:14 Caleb Hammer? How much did?
1:17:16 Speaker 01 Like a thousand?
1:17:17 Caleb Hammer? Ah, where'd the rest of it go?
1:17:21 Speaker 01 Towards trying to pay my debt.
1:17:23 Caleb Hammer? So, and that clearly worked so well, and then the credit limit, if you do not change your behavior before you consolidate your debt, you will end up with double the debt.
1:17:31 Speaker 01 I've learned-
1:17:32 Caleb Hammer? Because they rake it right the back up. Here, it's up again, and this is another prime example.
1:17:37 Speaker 01 I've learned that the hard way.
1:17:39 Caleb Hammer? Wait, oh, for f***ing sake, what did you do yesterday with this loan? Or the day before, you had a phone call. What did you do? What did you do? Tell them right now. Tell the audience right now.
1:17:49 Speaker 01 I had to ask for an extension. No, because when I got in my car acc-
1:17:56 Caleb Hammer? Ah!
1:17:57 Speaker 01 When I got in my car accident in August, I was out of work for a few days.
1:18:00 Caleb Hammer? This was totally called in the green room right before filming this!
1:18:04 Speaker 01 Well, yeah, because I just asked for the extension yesterday because my payment was about to come up, like, literally tomorrow.
1:18:09 Caleb Hammer? I'm glad we're getting doordashed within the last month. I'm glad we're getting Klarna La Boo Boo's within this last month. Now we have to call and get our loan extended. Well done. Maturity at its prime. Great. What is the interest rate on this f***ing thing, huh?
1:18:22 Speaker 01 I don't know.
1:18:23 Caleb Hammer? Great, well, neither do I because it's not on here. How do you not know anything?
1:18:27 Speaker 01 I can look it up if you want.
1:18:29 Caleb Hammer? No, I'm gonna calculate it.
1:18:30 Speaker 01 Okay. I asked for like-
1:18:35 Speaker 01 X.
1:18:37 Caleb Hammer? What?
1:18:38 Speaker 01 I asked for a month extension and they-
1:18:40 Caleb Hammer? You asked?
1:18:41 Speaker 01 And they gave me two.
1:18:43 Speaker 01 So now I don't have a payment till November.
1:18:46 Caleb Hammer? It's a 28% interest rate, 29.
1:18:53 Caleb Hammer? Oh, he went to a Pokemon convention too, wonderful.
1:18:55 Speaker 01 Yeah, well, a couple of years, no, last year.
1:18:57 Caleb Hammer? Alright, this, oh, she has a payday loan.
1:19:02 Speaker 01 That's not a payday loan!
1:19:04 Caleb Hammer? It says payday loan!
1:19:06 Speaker 01 No, that's pay-
1:19:07 Caleb Hammer? Oh, it says payday loan, sorry, I'm going from your existence in front of me. You're right, but the product is called Grow Up, that would be nice.
1:19:14 Speaker 01 I have, that's my Gerber life insurance policy that my mom took out for me when I was young.
1:19:18 Caleb Hammer? Okay, well, that's-
1:19:22 Speaker 01 And I took a loan out from that to try to consolidate my debt.
1:19:30 Caleb Hammer? Oh, good.
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1:20:01 Caleb Hammer? Jeff, oh, you're, you're collecting infinity stones! This is insane! And what did you use it for?
1:20:09 Speaker 01 To try to consult-
1:20:10 Caleb Hammer? What loans?
1:20:11 Speaker 01 Credit cards.
1:20:12 Caleb Hammer? No, Affirm.
1:20:14 Speaker 01 Oh, yeah.
1:20:17 Speaker 01 And credit cards.
1:20:22 Speaker 01 Cause at one point, I was having to pay Affirm like a hundred dollars per paycheck.
1:20:29 Speaker 01 That's how many I had. Okay.
1:20:34 Caleb Hammer? Quiet. It's a silent moment. I need to focus on how much this is insane. And how
1:20:45 Caleb Hammer? much I don't want to be in this episode anymore. Cause how the they even solve this?
1:20:54 Caleb Hammer? So what is it? This is a Gerber?
1:20:57 Speaker 01 It's a life insurance loan.
1:20:59 Caleb Hammer? Shh, quiet. We're whispering. This is a silent time. I'm developing an aneurysm from your numbers.
1:21:11 Caleb Hammer? What's your minimum monthly payment, lady?
1:21:13 Speaker 01 I don't have. It's still quiet time.
1:21:16 Caleb Hammer? Yes.
1:21:16 Speaker 01 I don't have a minimum monthly payment.
1:21:18 Caleb Hammer? What the?
1:21:19 Speaker 01 Um, I pay it when I can.
1:21:21 Caleb Hammer? Two thousand sixty seven dollars and ninety seven cents is their interest?
1:21:26 Speaker 01 Hmm.
1:21:27 Caleb Hammer? They probably wouldn't let you borrow without interest.
1:21:29 Speaker 01 I don't think so.
1:21:29 Caleb Hammer? Why would they let you borrow without interest?
1:21:31 Speaker 01 I don't know.
1:21:32 Caleb Hammer? Great. Is it a whole life? Sometimes you can do that.
1:21:36 Speaker 01 I don't think, I don't think there's an interest rate.
1:21:38 Caleb Hammer? I don't think Gerber offers.
1:21:39 Speaker 01 It doesn't go up every time.
1:21:40 Caleb Hammer? All right, we're done with quiet mode. Fuck that.
1:21:42 Speaker 01 Okay.
1:21:43 Caleb Hammer? Okay, main financial, is this the car?
1:21:45 Speaker 01 That was my old car that got paid off. My old.
1:21:47 Caleb Hammer? So it's done. I don't, we can, right? Okay.
1:21:52 Speaker 01 I do have the information for my new car loan.
1:21:55 Caleb Hammer? But we don't have it.
1:21:56 Speaker 01 No, because I just got it on Monday. It's a twenty nineteen Nissan Rogue.
1:22:01 Caleb Hammer? Have we done the value check on that? Uh, let's take a look. Let's take a look. Let's find a twenty nineteen Nissan Rogue. How many miles?
1:22:07 Speaker 01 Uh, eight. When I got it, it was like seventy nine, but I've put like five hundred, so like eighty thousand.
1:22:13 Caleb Hammer? Eighty thousand miles. Twenty nineteen Nissan Rogue. Condition, pretty good?
1:22:16 Speaker 01 Mm hmm.
1:22:17 Caleb Hammer? Hey? What do you want? What's the balance?
1:22:21 Speaker 01 So the balance is like eighteen thousand?
1:22:23 Caleb Hammer? Like eighteen thousand, okay. What's your minimum monthly payment?
1:22:26 Speaker 01 Five oh eight.
1:22:29 Caleb Hammer? What's the interest?
1:22:31 Speaker 01 Seventeen point six.
1:22:35 Caleb Hammer? What the are we doing here? Cause your credit's death and you had to get a predatory loan if you were gonna get a loan on a car.
1:22:40 Speaker 01 My boyfriend.
1:22:41 Caleb Hammer? Oh, and you get a cosigner from your boyfriend, right?
1:22:43 Speaker 01 So he is actually the main, like they put him as the main person because his credit's a little bit better. And I'm the co-borrower, but the car's mine.
1:22:52 Caleb Hammer? Oh, no, you guys haven't even been dating for a year.
1:22:59 Speaker 01 That's how serious he is about me.
1:23:01 Caleb Hammer? Oh, fuck off, fuck off.
1:23:04 Speaker 01 Literally what he told me.
1:23:05 Caleb Hammer? Oh, he's, oh, what a joke. Yeah, he's, he's romancing you. Can you not tell the difference? So, oh, he met her so much, blah, blah, blah, blah, blah. Yeah, he's, he's doing love words.
1:23:16 Speaker 01 He is not love bombing.
1:23:17 Caleb Hammer? I'm not saying love bombing. I'm not TikTok where everything's, everyone's a victim because they got flirted with, okay? Okay, I said he's flirting with you. He's love wording. He's words of affirmation. There you go.
1:23:30 Speaker 01 Why is that a bad thing?
1:23:31 Caleb Hammer? Because you're conflating it with this is a perfectly reliable situation that there's gonna be no wrong. That we're not gonna break up. Everything's perfect. Let's get debt together.
1:23:39 Speaker 01 We don't plan on breaking up.
1:23:41 Caleb Hammer? No, oh, yes, I, I love the classic going into a relationship with a plan to break up.
1:23:46 Speaker 01 Some people date to just date.
1:23:48 Caleb Hammer? Yeah, but that's not a relationship. That's just dating.
1:23:51 Speaker 01 Yeah. Um.
1:23:53 Caleb Hammer? Oh, lady, have you been, have you ever existed in this world before? I'm concerned that not.
1:23:59 Speaker 01 Like, barely.
1:24:03 Caleb Hammer? Yeah, because you just watched Supernatural on repeat. $339.
1:24:09 Caleb Hammer? Zaline money, and you're checking it out. Zaline money out. Taco Bell, getting monsters, getting monsters, McDonald's, McDonald's, I'm gonna die. I'm gonna die. Your car's worth $16,000, by the way.
1:24:18 Speaker 01 That's, yeah, that's what they asked for it.
1:24:23 Caleb Hammer? And then that's taxes and everything on top of that.
1:24:27 Caleb Hammer? Little Caesar Subway, really?
1:24:33 Caleb Hammer? Using Subway for all it's meant for. Taco Bell, McDonald's, get in a monster. Coca-Cola, TikTok shop, McDonald's. Oh, oh, wow. We really do go to McDonald's every day. When I said that earlier, I was kinda making a fat joke, but turns out stereotypes exist for a reason. Get in a monster, Apple Pay, out. Get in a monster. Get in a monster Pizza Hut. Get in a monster Apple bill. McDonald's, get in a monster. Go into the buffet. Get in a monster McDonald's.
1:25:05 Speaker 01 I told you there wouldn't be any door dash.
1:25:09 Caleb Hammer? There were in other ones. Accruing credit cards.
1:25:12 Speaker 01 I said on that, there wouldn't be any door dash.
1:25:17 Caleb Hammer? Okay, like no money in our savings. Wonderful. Oh, wait.
1:25:22 Speaker 01 So I have a savings account that's specifically for my bills.
1:25:27 Caleb Hammer? Okay, so it's not a savings account.
1:25:29 Speaker 01 Um, I mean, it's labeled like a savings account. It's not a checking account.
1:25:34 Caleb Hammer? But you're not keeping money in.
1:25:35 Speaker 01 No. Like the bills come out.
1:25:37 Caleb Hammer? So zeros, what I'm gonna consider then.
1:25:39 Speaker 01 Yeah, basically.
1:25:40 Caleb Hammer? Wonderful. Great.
1:25:44 Caleb Hammer? This time checking account, 171. Again, Popeyes, McDonald's.
1:25:52 Caleb Hammer? That's pretty much it.
1:25:55 Caleb Hammer? Wow, let's see if this is budgetable. Let's see if this is even budgetable. Genuinely curious. All right, so debt equals $26,993.22. Very bad for your income situation. The income is $1,900. Okay, let's add up these minimum monthly payments. Credit one, $41. Amazon, $35. Merrick Bank, $35. Capital Platinum, $25. Venture one, $25. Platinum number two, $25. Target card, $30.
1:26:32 Caleb Hammer? Tord card, $30. Zobble, $25. Quicksilver, $25. The first affirm, $40. Second affirm, $11. Goodyear, $40. Personal loan, 206.79. And then our new Nissan, 508. That brings our minimum monthly payments to $1,179.79.
1:27:00 Caleb Hammer? Wonderful. Great. Now, what do you provide to the utilities and internet and all that stuff? How much money is that?
1:27:06 Speaker 01 So I give my boyfriend about 200 each check.
1:27:10 Caleb Hammer? Check?
1:27:11 Speaker 01 Yeah.
1:27:11 Caleb Hammer? So 400 hours a month?
1:27:12 Speaker 01 Yes.
1:27:13 Caleb Hammer? Okay. We're already up to $1,500 by the way. 1,900 to live off of. Great. What's your phone bill?
1:27:20 Speaker 01 Like 150?
1:27:22 Caleb Hammer? Why? Because you owe on your phone. When you're done, if T-Mobile's getting your area, switch to helium.
1:27:26 Speaker 01 I only pay $8 for my phone because of a promotion.
1:27:30 Caleb Hammer? But, so the whole service is 150? Okay, great. Well, switch. The once your phone is paid off again, switch to a lower paying service.
1:27:37 Speaker 01 I do plan on it.
1:27:38 Caleb Hammer? That's how they get you. Oh, it's cheap. You know, my minimum payment for my phone, but you're paying a ton for your phone's service. Okay. Room, room, drive, drive. How much gas?
1:27:46 Speaker 01 Um, a month.
1:27:49 Caleb Hammer? Yes.
1:27:50 Speaker 01 Like 40.
1:27:53 Caleb Hammer? Okay, car insurance?
1:27:56 Speaker 01 267.
1:28:02 Caleb Hammer? Uh, we are now over budget officially, but you said you buy groceries for the house?
1:28:05 Speaker 01 Mm-hmm.
1:28:06 Caleb Hammer? So for three people?
1:28:07 Speaker 01 Yes.
1:28:08 Caleb Hammer? Well, you can contribute 800 of that pile. Um, uh, that's insane. I would rather split $700 rent, by the way, than that because this math is no longer mathing. Uh, TP fund, anything else you need to survive? 100 bucks. Medical, healthcare, any copays?
1:28:25 Speaker 01 Um, they're usually 35, 30.
1:28:29 Caleb Hammer? Is that once a month? Like what?
1:28:31 Speaker 01 I don't go to the doctor often.
1:28:32 Caleb Hammer? Okay, so I don't put it in there then, right?
1:28:34 Speaker 01 Well, I go in my, I see a therapist.
1:28:36 Caleb Hammer? Okay, how much?
1:28:36 Speaker 01 That's 35.
1:28:37 Caleb Hammer? Okay, 35. I dare to ask, but gym?
1:28:41 Speaker 01 No.
1:28:42 Caleb Hammer? Okay. Let's put in 50 bucks because you need to go to the gym.
1:28:47 Speaker 01 What kind of gym membership is that expensive?
1:28:49 Caleb Hammer? Let's just, let's just call it 50 just to be safe because I don't know. Planet Fitness might be cheaper. I don't know.
1:28:55 Speaker 01 Okay.
1:28:56 Caleb Hammer? Uh, you said you have a pet, right?
1:28:58 Speaker 01 Yes.
1:28:59 Caleb Hammer? What?
1:29:00 Speaker 01 Okay.
1:29:01 Caleb Hammer? Age?
1:29:02 Speaker 01 He is like seven.
1:29:04 Caleb Hammer? Uh, I don't know if you can get pet insurance on that. Maybe. I'll, I'll, I'll put in 60 bucks because you need to make sure you get a good pet insurance. How much for cat food?
1:29:13 Speaker 01 Um, maybe 20.
1:29:18 Caleb Hammer? Anything else that needs to be in your budget that I have not put in yet? Can't put anything in subscriptions because we're already over budget. Um. Okay, you can. Brandon got his cat at seven pet insurance. So anything else that needs to be in your budget? No. Okay, well, $2,2923.79. Just a thing, stop with this food splitting thing. You can't do that. I would contribute, see if you can contribute to rent, not the full utilities. Let's see if we can contribute, we can split rent utilities down the middle. I think you will save more money instead of you doing food. You're actually getting kind of milked here. You're getting a little, or you're spending more money than you would. So let's say that brings it down to like 2,500. You're still pretty, you need about an extra $600 a month. If you want to stay in this job, that's great. You need to go work a second job, which means no more supernatural every single night.
1:30:02 Caleb Hammer? You're working, you need to bring in at least an extra thousand dollars. So you can throw $400 towards debt. That's a minimum because $400 towards debt at $26,993.22, divided by that $400, just wait, no. $26,993.22 divided by 400 is 67 months, which comes out to still five and a half years, but that's better than nothing. And you do got to get out of debt. Unfortunately, with five and a half years, that gives you only, based on your history, seven more years to live. And that's not even, by the way, a fully funded emergency fund. Probably get five years to live with a fully funded emergency fund. Not great. So we got to change the health part as well, but the meal prepping is going to help with that. And I put it in a gym that's going to help with that.
1:30:46 Caleb Hammer? Let's start taking that seriously because I want you to be around. Okay. Okay, we got to film follow ups together, right? So let's, let's, let's stay on the planet for a good, long while. Um. So that's what you got to do. What I would prefer is that you go and just get a better job at a different place. And then we always shop around until you land somewhere that you like, that you are getting paid well for. That is the ultimate goal, but you need to bring in a minimum extra thousand where you are now. And you need to split rent utilities and take care of your own food. Sprint utilities is you split down the middle. That'll bring you down to about 2,500 because right now you need to bring an extra $1,500, $1,600 in order to have a chance to pay this off in five and a half years. And then fully funded emergency fund a year after that, maybe. Okay, so that's where we are. Oh.
1:31:32 Caleb Hammer? Oh, they said I'm gonna be pissed. Colton's saying I'm gonna be pissed. I guess there's something in the post-show that's about to piss me the [__] off. Great. Usually, okay, great. Let's get your Hammer Financial Score first and then we'll go into the post-show. All right, spending in a budget. You ever spent? Zero out of 10. Debt? Well, this is as bad as you can get without collections or RSTs. So one out of 10. Emergency fund? Well, nothing. Zero out of 10. Retirement?
1:31:55 Speaker 01 I don't even know.
1:31:56 Caleb Hammer? Zero out of 10. Real estate, zero out of 10. It's gonna be a Hammer Financial Score, rounded up to a point five out of 10. Ladies and gentlemen, click that join button next to our channel name and join Hammer Elite to get three premium shows posted every single day, Monday through Friday, where you can also come watch this Financial Audit Post Show, of which apparently I'm gonna crash out. I can't wait. So apparently there's something. Tell me, what is it?
1:32:20 Speaker 01 I just opened a fair to firm.
1:32:22 Caleb Hammer? For what? What did you kid?
1:32:24 Speaker 01 TikTok shop.
1:32:25 Caleb Hammer? What did you spend at TikTok shop? Because I know there's a thousand dollars in the cart right now.
1:32:29 Speaker 01 Well, I got this car.
1:32:33 Caleb Hammer? Exclusive members content. Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.
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