These Illegal Immigrants Are F*cked | Financial Audit

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

• 0:01Speaker 00

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• 0:55Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. Were you guys born in the US?

• 1:00Speaker 03

  We are dreamers from Mexico City.

• 1:02Speaker 04

  I feel like it's maybe one of the things that's like pulling me back from, you know, like marriage. I think she lives in a very optimistic world. She thinks that, you know, everything will magically just work out itself.

• 1:13Speaker 03

  Not magically.

• 1:14Caleb Hammer?

  Oh, he gets into the numbers and where they've gone?

• 1:16Speaker 03

  You're an idiot. This is like a male thing and a girl thing. I've talked to all my girlfriends and this is literally how we all like, our brains work this way.

• 1:23Caleb Hammer?

  If you're not willing to take literally the most basic sacrifice in the one thing you have, there's nothing here and you guys are [bleep] done.

• 1:29Speaker 03

  Wait, wait, wait.

• 1:30Caleb Hammer?

  Shut the [bleep] up. I'm done. With a refreshed look and upgraded features, download Dollar Wise, the best budgeting app there is. And until October 27th, you can lock in the first three months at over 30% off or upgrade to annual and save an additional 25% and get a free signed cookbook by me. Download the Dollar Wise Budgeting App today and take advantage of your free trial.

• 1:53Speaker 03

  Hello, my name is Natasha. I'm 29 years old.

• 1:55Speaker 04

  And I'm Oscar and I'm 32 years old and we're from Phoenix, Arizona.

• 1:59Speaker 03

  And this is Financial Audit.

• 2:02Caleb Hammer?

  I do have to ask, is that dyed gray? Or are you graying at 29?

• 2:07Speaker 03

  I am graying at 29.

• 2:09Caleb Hammer?

  Is this his fault?

• 2:10Speaker 03

  Yes, and my kids, yeah.

• 2:11Caleb Hammer?

  Okay, oh, actually kids, that's good to know. Well, how many kids do we have?

• 2:15Speaker 03

  We have three.

• 2:16Caleb Hammer?

  Okay, are you guys married?

• 2:18Speaker 03

  We're not.

• 2:21Caleb Hammer?

  Why are you sticking it in so much without taking it away, big guy? For marriage, I mean, stick it in, but don't drop the babies.

• 2:29Speaker 03

  Whoa, Jesus.

• 2:31Speaker 04

  I just...

• 2:31Caleb Hammer?

  What? You don't think people [bleep] for marriage? You have three children.

• 2:36Speaker 03

  I don't know how they got there.

• 2:37Caleb Hammer?

  Uh huh.

• 2:39Speaker 04

  I mean, I just don't really see the benefits of like, you know, being married and...

• 2:44Caleb Hammer?

  I thought you were gonna say of condoms.

• 2:45Speaker 04

  Oh, no.

• 2:46Caleb Hammer?

  Okay, benefits of being married? Well, there's lots of things. There's legal protections, there's automatic wills essentially that are taken into account. You can't testify against the other person. You're not compelled to testify against the other person in a court of law. There's lots of natural benefits that come with it. There's lower tax rates, child tax credit can stretch further. Um, it's literally just a legal thing, by the way. But then, obviously, if you guys are ready in the emotional love way, then yeah, lots of benefits.

• 3:09Speaker 03

  Yeah, you should make a decent woman out of me.

• 3:12Caleb Hammer?

  Well, you made a great woman out of you. Thanks for coming over from Phoenix. What are the ages of the kids?

• 3:18Speaker 03

  Uh, we have a seventeen-year-old daughter.

• 3:21Caleb Hammer?

  Seventeen? Dude, that even made Colton gasp.

• 3:27Caleb Hammer?

  Was it the...

• 3:28Speaker 03

  I am mentally twenty-nine. You can do your own math, but I am mentally twenty-nine.

• 3:37Speaker 03

  And I will die by that.

• 3:38Caleb Hammer?

  How the [bleep] old are you?

• 3:39Speaker 03

  Don't worry about it, old enough.

• 3:41Caleb Hammer?

  That's kind of very important when we calculate that in interest. Well, old enough to have kids is younger than you should be having sex, if we're being honest.

• 3:50Speaker 04

  Yeah, I don't think you're gonna be able to get out of her.

• 3:52Speaker 03

  Yeah, no.

• 3:53Caleb Hammer?

  Okay, how old is she?

• 3:55Speaker 03

  Do your mental math, okay?

• 3:58Caleb Hammer?

  That doesn't make any sense. You could have had a kid at like thirteen.

• 4:02Speaker 03

  All right, well, sometime in high school.

• 4:04Caleb Hammer?

  How old are you when you had a kid?

• 4:06Speaker 03

  Sometime in high school.

• 4:08Speaker 04

  She's over thirty.

• 4:09Caleb Hammer?

  Okay, are we gonna have a productive conversation?

• 4:13Speaker 03

  Yes, sir, but can we just pretend that I'm twenty-nine?

• 4:15Caleb Hammer?

  No, because your compound growth in the overall marketplace, if we're thinking about how much time you have to retire is...

• 4:22Speaker 03

  I am close to Danny's age, there you go.

• 4:29Speaker 04

  Just put her at 32.

• 4:30Caleb Hammer?

  Okay, she's 35. We have it confirmed through documentation. What the fuck is wrong with 35?

• 4:36Speaker 03

  I don't love you anymore.

• 4:37Caleb Hammer?

  What the fuck is wrong with 35? That's not even a big difference. That's six years.

• 4:42Caleb Hammer?

  That's so stupid. Why even do that? I'm so confused. You know that dramatically affects everything in the world of math.

• 4:47Speaker 03

  Because mentally, if you keep yourself young, you'll feel young. So mentally, I tell myself I'm 29, so I feel you.

• 4:54Caleb Hammer?

  Or is she mentally [BLEEP] it? I can't figure this out.

• 4:57Speaker 03

  You're horrible.

• 4:58Caleb Hammer?

  No, I mean, you could have just told me your age. That's a very weird way to start the episode, because I asked you before I even started filming, you said 20. What the fuck? What? I don't understand. It impacts everything. Age impacts everything. We're doing the numbers, your limited life here on Earth. All the numbers that we are doing, the plan that we come up with at the end, and the all the interest accruing on debt, or the compound interest in the marketplace, is all dependent on age.

• 5:22Speaker 03

  Okay.

• 5:23Caleb Hammer?

  Even your hammer financial scores depend on age when it comes to [BLEEP] retirement. So why? Why are we pretending? That's so fu- what a stupid way to start the conversation. I'm sorry.

• 5:31Speaker 03

  You got my age. I'm sorry.

• 5:32Caleb Hammer?

  It's just stupid. It's just, come on. I wanted to come in, like, I... We were giggly, and I was like coming in feeling good, and you're just, why just [BLEEP] it at the beginning?

• 5:43Speaker 03

  I'm sorry.

• 5:44Caleb Hammer?

  What do you do for a living? 35-year-old Natasha.

• 5:48Speaker 03

  I am a stay-at-home mom now. Um, I just had my baby. She's three months old.

• 5:55Caleb Hammer?

  Okay, so there's 17-year-old, three-month-old, and a what?

• 5:57Speaker 03

  And a 12-year-old.

• 5:59Caleb Hammer?

  So you had a kid at 18?

• 6:04Caleb Hammer?

  Okay, that's not that crazy anymore. It would have been crazy at, what was the math gonna be? Like 13?

• 6:12Caleb Hammer?

  Yeah, that would have been pretty [BLEEP] concerning, and I would have also been looking at you. Well... Well, I mean, you're at that point, you would have been three years older than me. So this is her then, so this is, it's whatever, okay. Okay, so stay at home, mother, so not making any money now, is it because we're afraid of you leaving the house? And immediately getting lost, because based on this conversation so far, that's my main concern. I'm afraid to let you leave this studio. Can you get to the airport? No. I don't know, without him? Cannot. Good luck. No, I cannot. Are you essentially a predator because you're dating a mental child? Ants.

• 6:47Speaker 04

  She's not, she's not mental.

• 6:50Speaker 04

  She's just not that great.

• 6:51Caleb Hammer?

  And you, what do you do, Mr. Oscar for a living? Oscar's a very racist name we gave you, but I'll accept it.

• 6:57Speaker 04

  It's alright.

• 6:59Caleb Hammer?

  Better than like Domingo or something.

• 7:01Speaker 04

  Yeah, that one would have been better, actually.

• 7:03Caleb Hammer?

  Yeah.

• 7:03Speaker 04

  But anyways.

• 7:04Caleb Hammer?

  Because your real name is actually quite a white name. So we just went like. It is? He, well, I mean, it can be, I know whites with that name. But we went full sombrero and shaker with the fake name we gave you. He chose it. I blame, oh, you chose it?

• 7:19Speaker 04

  Yeah.

• 7:20Caleb Hammer?

  You're racist against yourself. Oh, never mind, no, no. The name he goes by is his middle name, his first name is actually incredibly, incredibly, incredibly taco driven.

• 7:31Speaker 04

  It is.

• 7:32Caleb Hammer?

  Okay, what do you do for a living?

• 7:33Speaker 04

  I work in construction.

• 7:35Caleb Hammer?

  Yeah.

• 7:37Caleb Hammer?

  Yeah, he does, okay.

• 7:42Caleb Hammer?

  Keep going. What do you do in construction?

• 7:46Speaker 04

  Well, I'm a carpenter, um, I drive the forklift around.

• 7:52Caleb Hammer?

  I thought I saw you renovating my house.

• 7:55Caleb Hammer?

  Okay. You just drive the forklift around?

• 7:58Speaker 04

  Yeah, for the most part.

• 7:59Caleb Hammer?

  Dude, you got fucking gig. Out of all the construction workers, you got the gig. You get a little bit of breeze with the motion?

• 8:05Speaker 04

  Ah, that's what you think, man.

• 8:07Caleb Hammer?

  A little bit of breeze?

• 8:07Speaker 04

  Nah, that's what you.

• 8:08Caleb Hammer?

  Dude, you're not doing this, you're doing this.

• 8:09Speaker 04

  Yeah, I'm doing that, but it comes with a lot of responsibility, it's not just, you know.

• 8:13Caleb Hammer?

  Responsibility is good, because responsibility usually comes with income. I'm saying you got to get away from the physical part of construction, especially, I mean, Phoenix, we're talking Phoenix.

• 8:20Speaker 04

  Yeah, but it's not like.

• 8:21Caleb Hammer?

  It's a little warm there.

• 8:22Speaker 04

  It's not like I get paid extra, you know, for taking on the extra responsibility.

• 8:25Caleb Hammer?

  Well, yeah, but you get less physical in the heat and the sun and the crazy.

• 8:29Speaker 04

  Actually, no, I get worse because I'm outside. I'm outside all day.

• 8:33Caleb Hammer?

  Is it mostly construction outside?

• 8:35Speaker 04

  You can get it like interior, like, you know, where you're working inside the building.

• 8:39Caleb Hammer?

  Interesting. I'm trying to make you sound, I'm trying to tell you, you have a halfway decent part of the construction gig and you're just really wanting to tell me it sucks.

• 8:46Speaker 04

  It's because everyone like thinks that is like, oh, is it, you know, you got the easiest part of it. It's not necessarily like the easiest.

• 8:52Caleb Hammer?

  Why? Are we dick measuring who has the worst construction job? I like, I don't know. I would rather have that than the person nailing in on the roof.

• 9:01Speaker 04

  Yeah, yeah, yeah, I know.

• 9:03Caleb Hammer?

  Okay, I'll just say that.

• 9:05Speaker 04

  But don't make it seem like I'm working inside, you know, like.

• 9:07Caleb Hammer?

  No, I didn't say that. I just, okay, it's oddly defensive. You guys are interesting.

• 9:13Speaker 04

  You're making it seem like, oh, you got the dream job.

• 9:15Caleb Hammer?

  No, I didn't.

• 9:16Speaker 04

  It's not the dream job.

• 9:17Caleb Hammer?

  Well, is this better than many of the others, is it not?

• 9:20Speaker 04

  I guess.

• 9:22Caleb Hammer?

  So.

• 9:22Speaker 04

  It depends on your point of view.

• 9:23Caleb Hammer?

  What do you make, Oscar?

• 9:25Speaker 04

  I make thirty one an hour.

• 9:28Caleb Hammer?

  Very good. How many hours a week?

• 9:30Speaker 04

  Working right now, fifty, sixty hours. Depends. It fluctuates a little bit.

• 9:34Caleb Hammer?

  Yeah, grinding because and you can, because she stays at home. Is there a part of, well, no, three month old, it makes sense to stay home. So is there a plan of you going back to work? Because he wouldn't have to work as much if you were also bringing in income. I understand definitely being home in a three month. I'm totally vibing with that. If he's willing to put in the work, how do you feel putting in that much work?

• 9:54Speaker 04

  It's more stress.

• 9:55Caleb Hammer?

  Yeah, that's a lot of hours, fifty, sixty?

• 9:58Speaker 04

  Yeah.

• 9:58Caleb Hammer?

  But stay at home wife, it is harder to support on a single income these days. So you really got to stretch those hours to make that work. Especially with three children. Wait, not married. How long have you guys been together? Seventeen year old.

• 10:10Speaker 03

  So my two, the seventeen and twelve year olds are from my previous marriage.

• 10:14Caleb Hammer?

  Oh.

• 10:15Speaker 03

  I would love to go back to work. Unfortunately, I was terminated from my previous job. But I.

• 10:22Caleb Hammer?

  Is it because you kept calling yourself twenty nine?

• 10:25Speaker 03

  Yeah.

• 10:25Caleb Hammer?

  On every HR report and all onboarding processes.

• 10:28Speaker 03

  Yes, that's for sure why.

• 10:30Caleb Hammer?

  Cool. What hits your account per pay? What's your per pay? Is it every other week? Or by weekly, some are monthly? Weekly, good, well, hit it.

• 10:36Speaker 04

  Yeah, it's around.

• 10:37Caleb Hammer?

  On average.

• 10:38Speaker 04

  Fourteen, fifteen hundred.

• 10:40Caleb Hammer?

  Why were you fired? Oh, wait, okay, let me get the math. Four, let's do fourteen fifty. If that's the average, times fifty-two divided by twelve, average it out. We're looking at about, not bad, six thousand two hundred eighty-three dollars, thirty-three cents. That cost of living in Phoenix has certainly gone up over the past few years, but even still, it's not like the most insane expensive city in the overall country. Uh, but either way, why did you get fired?

• 11:03Speaker 03

  But with that, he does get union taken out and then...

• 11:06Caleb Hammer?

  I asked what hits the account.

• 11:08Speaker 03

  Oh, sorry.

• 11:09Speaker 04

  Yeah, yeah, yeah.

• 11:09Caleb Hammer?

  Yeah, that's great, nap, let's go.

• 11:11Speaker 03

  Then, yeah.

• 11:12Speaker 04

  Well, that's being taxed exempt.

• 11:15Caleb Hammer?

  Uh, why?

• 11:17Speaker 03

  Cause I lost my job.

• 11:18Caleb Hammer?

  Huh?

• 11:19Speaker 03

  Cause I lost my job.

• 11:20Caleb Hammer?

  Sure, but why? You're gonna have to pay taxes. If you guys aren't filing joint, the kid isn't yours, except for the three-month-old. The child tax credit, I mean, it's not gonna cover yet your income, fully covering all taxes you'll owe.

• 11:32Speaker 03

  We are gonna file a joint and he's gonna be head of household and we can claim the twelve-year-old. That's the arrangement we have.

• 11:38Caleb Hammer?

  Seventeen is split custody?

• 11:40Speaker 03

  Yep, they both are.

• 11:41Caleb Hammer?

  Okay, but even still, will six thousand cover the full total taxes? You owe making, because you make good money, like, nah, six, well, well, that's after taxes. And, um, but no taxes, sorry, that's after you took

• 11:58Caleb Hammer?

  the amount you're putting to taxes from paycheck, basically to zero, right? Full zero?

• 12:04Speaker 04

  Uh, just, uh, federal, zero.

• 12:06Caleb Hammer?

  Well, yeah, is there income tax in Arizona? Okay.

• 12:11Speaker 04

  But I don't do it, I don't do it like the entire year, though.

• 12:14Caleb Hammer?

  You're doing it now, because you got laid off. But even still, you're talking, we're talking, you probably make like eighty, eighty, I don't know how much you need to take, so I'm assuming eighty. You're gonna pay fucking taxes, especially if there's, uh, yeah, state, especially.

• 12:28Speaker 04

  This year, I think I'm gonna be making like sixty-five.

• 12:31Caleb Hammer?

  Then the math you just gave me makes no fucking sense.

• 12:34Speaker 03

  He just got a raise.

• 12:35Speaker 04

  Yeah, I get it, like, raise this year, but on top of that, like, it depends on like on the project. Like, I, I was working forty hours a week, like, overtime barely picked up. So it's like, it fluctuates, you know, and it's not always like sixties.

• 12:49Caleb Hammer?

  Oh.

• 12:52Caleb Hammer?

  Two to three by the end of the year?

• 12:53Speaker 03

  Even with claiming both of the kids and myself?

• 12:56Caleb Hammer?

  I think so, just about, just about. It's gonna be close depending on a lot of things. Okay, why'd you get fired?

• 13:05Speaker 03

  Um, so I was eight months pregnant. I had been with the company already a year and a half. And I got let go when I was eight months pregnant. They told me that it was because I was not adhering to my breaks and schedule. And I have the termination letter, like it says exactly that. I was not adhering to my breaks and schedules.

• 13:24Caleb Hammer?

  I mean, why the f- weren't you?

• 13:25Speaker 03

  Because unfortunately I get very, very sick and nauseous. Um, so sometimes I-

• 13:30Caleb Hammer?

  Cause you were pregnant?

• 13:31Speaker 03

  Mm-hmm. I had to like run to the bathroom and like use the bathroom.

• 13:34Caleb Hammer?

  I don't, mm.

• 13:37Speaker 03

  So you have to go on a queue when you go-

• 13:39Caleb Hammer?

  There might be a lawsuit type thing there.

• 13:42Speaker 03

  So when you go on, on breaks and stuff, you have to go on a certain queue uh, with that employer to go on breaks. And sometimes I didn't have time to do that, so I would just run to the bathroom.

• 13:53Caleb Hammer?

  Did you start taking, did you move up from forty to that sixty after she got laid off? Or have you been doing that for a while?

• 13:59Speaker 04

  Well, it's, it just depends on the project. Uh, the project started picking up, so overtime came with it, but-

• 14:05Caleb Hammer?

  Oh, so when the project's done, it might go down?

• 14:08Speaker 04

  Yes. I got, I got lucky, you know, that-

• 14:10Caleb Hammer?

  When's the project gonna be done?

• 14:11Speaker 04

  Well, I guess lucky if you wanna call it that.

• 14:13Caleb Hammer?

  When's the project gonna be done?

• 14:14Speaker 04

  Um, it's- Two, three years.

• 14:18Caleb Hammer?

  Oh, okay, it's a chunky one.

• 14:20Speaker 04

  Yeah, but I mean, in construction, they can change it.

• 14:24Caleb Hammer?

  Yeah, it certainly can.

• 14:25Speaker 04

  Even with elections and-

• 14:26Caleb Hammer?

  It sounds like you told Colton that you think they laid her off to avoid maternity leave.

• 14:31Speaker 03

  I think so, yeah.

• 14:32Caleb Hammer?

  Can you prove that?

• 14:34Speaker 03

  I mean, they start-

• 14:35Caleb Hammer?

  How close can you prove that?

• 14:36Speaker 03

  I have like documentation. I was with the company a year and a half and they never like brought anything about my breaks, my, anything about like me taking too much time during my breaks or lunches or anything, so.

• 14:50Caleb Hammer?

  Ah, okay, it's hard.

• 14:51Speaker 03

  Just during my pregnancy.

• 14:53Caleb Hammer?

  You can show.

• 14:54Speaker 03

  Yeah, cause during my pregnancy, they started making a big deal out of it. And then I had, um- FMLA, I had approved work compensation or work accommodations and I had approved.

• 15:09Caleb Hammer?

  So what's going on financially now in the household? What are things looking like today?

• 15:14Speaker 04

  It's a tight budget.

• 15:16Caleb Hammer?

  You know, so no, I don't hope so, but I hope you're at least budgeting. I mean, is that 100% true if we go through your spending and income? Payroll that came in was 1,000 less than you suggested, well, 500. It was $5,836 came in. Okay. You know, maybe a shorter month, whatever. Maybe it was just less overtime that month. That's great. How much was spent in the household on our tight budget?

• 15:44Speaker 04

  Less than what came in.

• 15:45Caleb Hammer?

  Huh?

• 15:46Speaker 04

  Less than what came in.

• 15:47Caleb Hammer?

  Okay, so less than, what did I say, 5,836? What do you think?

• 15:52Speaker 03

  What, counting bills and everything?

• 15:54Speaker 04

  Oh, every.

• 15:55Caleb Hammer?

  Everything?

• 15:56Speaker 03

  Sorry.

• 15:57Caleb Hammer?

  You don't think bills are spending?

• 15:59Speaker 03

  I would say probably around 4,500.

• 16:01Caleb Hammer?

  Okay, it was 8,042. What is this tight budget we're talking about? Because that doesn't seem tight. That seems like you're blowing all your money.

• 16:09Speaker 04

  Yeah, I don't know where that's been.

• 16:11Caleb Hammer?

  And where's the tight budget if you don't know where the money's going? Isn't that what a budget's for? Isn't that what a budget would say? Where the money had gone, where it is going to go?

• 16:22Speaker 03

  I.

• 16:23Caleb Hammer?

  Who runs the finances? What's the dynamic here?

• 16:25Speaker 03

  He definitely runs the finances.

• 16:27Caleb Hammer?

  Okay, so you just take care of the kids and that's pretty much it?

• 16:30Speaker 03

  Yeah, and scheduling and all that, yeah.

• 16:32Caleb Hammer?

  Scheduling?

• 16:33Speaker 03

  We have very active kids.

• 16:35Caleb Hammer?

  So taking care of kids, okay.

• 16:37Speaker 03

  Oh, my God.

• 16:39Caleb Hammer?

  Well, right, isn't it?

• 16:40Speaker 03

  Yes.

• 16:41Caleb Hammer?

  You're scheduling the kids' things?

• 16:42Speaker 03

  Yes.

• 16:42Caleb Hammer?

  That's taking care of them. Okay, that's a weird thing to take offense to, I guess. But you run the finances. How could you be so wrong by a lot?

• 16:55Speaker 04

  I mean.

• 16:56Caleb Hammer?

  Over 2,000.

• 16:58Speaker 04

  I don't know, just kind of hoping that it would be less. I mean, I tried to get her involved in the finances, but it's just not, you know, it's not there. And I feel like it's maybe one of the things that's like holding me back from, you know, like. Marriage and whatnot, it's like

• 17:14Caleb Hammer?

  Is what?

• 17:15Speaker 04

  We don't, we don't necessarily agree on like the finances.

• 17:19Caleb Hammer?

  What do we disagree on? What's, what's the big conflict here?

• 17:23Speaker 04

  Her way of budgeting is just, I don't know, it just doesn't make sense, right? Like, I don't know, like it just, she says like, she tries to do it like week by week and saying like, you know, at the end of the week, we'll have extra money, but it's like, it's not really extra money, you know? And she thinks that it's free to spend.

• 17:40Caleb Hammer?

  Well, how is she thinking this? Why, if you're the running, if you're the one running the finances, why is she thinking this?

• 17:46Speaker 04

  So she doesn't, she doesn't like the way I do it. So she tries to do her own way.

• 17:52Caleb Hammer?

  What do you think? What do you not like? He says you don't like something.

• 17:55Speaker 03

  So I can show you, he uses this app that's called Budget.

• 18:00Speaker 04

  I use an app.

• 18:01Speaker 03

  I don't know, but he wants me to follow the-

• 18:03Caleb Hammer?

  You should use Dollar Wise. New feature's launched today as filming.

• 18:07Speaker 03

  Oh, maybe it's, I don't know, but he wants me to go in there and like categorize everything. That annoys me and it's so tedious.

• 18:15Caleb Hammer?

  Well, first of all, that's a bit weird because again, if you use Dollar Wise, it would be automatically categorized. Fix a couple of things once and then it automatically fixes it forever. So there we go. That solves that issue, but oh no, oh, I have all day.

• 18:30Speaker 03

  No, I don't. I have a three month old. I'm breastfeeding.

• 18:33Caleb Hammer?

  But you can hold the phone while it sucks on the tit.

• 18:36Speaker 03

  No, you cannot. You have to support the head and the breast.

• 18:40Caleb Hammer?

  Fair enough. Put it down then, look at the budgeting. This is like, these tweaking the categories things. If you do it every other day, does not take that long unless you're going out there and blowing all your money endlessly, constantly.

• 18:51Speaker 03

  Like lack of sleep. I, sometimes I don't even feel like I'm here. Like I'm like zombie mode. I'm like running on like fumes.

• 18:58Caleb Hammer?

  Okay. So after we did two times to crack tax credit, had a household with her as a dependent, I guess. With the money you've likely set aside for taxes this year so far, I mean, you're gonna have to pay 3,317 ish in federal, not state taxes. And that was probably set aside this year so far already. So I think you might be okay. I'm extra careful. I don't know. I don't want to promise that. It is not my fault if you owe money by the end of the year, but that's at least what we're seeing. Okay?

• 19:27Speaker 04

  I'm just hoping my tax lady can work up some magic.

• 19:29Caleb Hammer?

  Why do you have a tax lady, though? You're just literally, you know, you're taking standard deductions, saying you have a kid. Why do you have a tax lady? You don't really have a complicated thing. Are you a contractor?

• 19:38Speaker 04

  No.

• 19:39Caleb Hammer?

  Yeah, exactly. Why do you need a CPA specifically?

• 19:42Speaker 03

  I started doing our taxes, so.

• 19:44Speaker 04

  So that they can work up magic?

• 19:45Caleb Hammer?

  You the person that doesn't know the money of the household at all, nor the categories of anything that is happening? But is that not true?

• 19:51Speaker 03

  But I can do the taxes, okay?

• 19:53Caleb Hammer?

  How? You don't know what the [__] is happening. How?

• 19:57Speaker 03

  You're so mean.

• 19:59Caleb Hammer?

  Am I? You just, you don't know, can you, like, is there a rebuttal? It's like, you don't know what's happening. How are you the tax person?

• 20:06Speaker 03

  But when it comes to taxes, I can go through like the prompts and through the system and like.

• 20:13Caleb Hammer?

  I mean, as far as I know, this is, this is what I have through the conversation you guys had with Colton before, is that you guys, who tries to sit you down in budget, and you just simply don't listen. You just don't [__] listen.

• 20:24Speaker 03

  I do listen.

• 20:25Caleb Hammer?

  Oh, bull.

• 20:27Speaker 03

  He is so titty, he's very.

• 20:30Caleb Hammer?

  Oh, he gets into the numbers and where they've gone?

• 20:32Speaker 03

  Yes.

• 20:33Caleb Hammer?

  And what's the alternative?

• 20:34Speaker 03

  I just wanna have a breakdown of every week one needs to go out.

• 20:38Caleb Hammer?

  My weekly budgeting, that just gets way too.

• 20:41Speaker 03

  Listen to me. I wanna go through everything that's on the week, every week, and then at the end of that week, have what we need for that week. So the amount we need, the amount that's set aside for future bills, so for next week or the week after. It works for me. When I was living by myself.

• 21:00Caleb Hammer?

  You're incorrect.

• 21:01Speaker 03

  When I was living by myself and with my apartment and my own kids, I, it worked perfectly fine. And I was able to pay all my bills and I was able to pay a month ahead.

• 21:11Caleb Hammer?

  No debt.

• 21:12Speaker 03

  I did have debt.

• 21:13Caleb Hammer?

  Shut the [__] up then. What are you talking about? Clearly it didn't work if you had debt. Like, what? That doesn't make any sense.

• 21:19Speaker 03

  Well, I was saving up to buy our home, so it did work.

• 21:24Speaker 03

  Yes, I had debt, but unfortunately, sometimes I just had to put some stuff on credit card.

• 21:30Caleb Hammer?

  As in your budget didn't work.

• 21:33Speaker 03

  Because I was learning to live on my own as.

• 21:37Caleb Hammer?

  Learning?

• 21:38Speaker 03

  Yes.

• 21:38Caleb Hammer?

  Well, when did you break up with this dude? Or how quickly did you guys? What you met, wait, six years ago, you guys met, right? You guys started dating six years ago? So what the are you talking about? What are you talking about? Are you talking about over six years ago?

• 21:49Speaker 03

  I literally live with myself for only like a year. So I learned to start paying for my own stuff and all that.

• 21:59Caleb Hammer?

  This was so long ago. I don't give a.

• 22:01Speaker 03

  Okay, but I'm it's.

• 22:03Caleb Hammer?

  And also, weekly budgeting just doesn't work because there's things that don't hit weekly. Rent's not a weekly thing. Car bills aren't a weekly thing. It doesn't make sense when a massive expense comes that might be thirty, forty percent of our income like rent. Sometimes fifty percent. That doesn't make sense to budget in weekly because a weekly amount wouldn't cover that. You have to budget it monthly and make sure you have enough money.

• 22:20Speaker 03

  Caleb, it doesn't work for you. I've talked to all my girlfriends and this is literally how we all like our brains work this way. Maybe this is like a male thing and a girl thing because.

• 22:30Caleb Hammer?

  Oh, are you really gonna do guy math versus girl math on this shit?

• 22:35Speaker 03

  I swear to God, it's different. All my girlfriends have the same way of budgeting and.

• 22:39Caleb Hammer?

  I have a little question for you. Let's play some trivia. Oh, did your friends or did I accumulate a quarter million dollar net worth before starting a very successful business by twenty five? Which one? Getting rich in twenty twenty five is actually way simpler than most people think. You don't need years of experience or a fancy degree from Harvard that leaves you in debt. You can actually start earning in just a few weeks, whether it's a high paying job or just you wanting to launch something of your own. AI isn't just helpful anymore. It is a requirement and nearly every job today demands AI skills. As chances of people who are skilled with AI is a hundred and thirty percent more than the rest. Worry not, I've got good news for you.

• 23:20Caleb Hammer?

  This weekend, you can join the two day AI mastermind workshop by Outskill, the world's first AI focused education platform. It's happening this Saturday and Sunday from ten AM to seven PM Eastern on both days. Just by attending the sixteen hours with the expert mentors, learners from Outskill have built and shipped over a hundred AI products. All with zero. Code and working revenue models of $4,000 to $5,000. By the way, it's rated 4.9 out of 5 on TrustPilot and it's highly credible. Now, what makes this different? Firstly, it's just a 16-hour short commitment, which is best suited for someone with a busy professional schedule. You also get free lifetime access to OutSkills exclusive paid AI community to grow alongside 5,000-plus AI-first professionals.

• 24:02Caleb Hammer?

  And also their AI learning dashboard is super seamless to navigate, which enhances your overall learning experience. Over 10 million people have attended this training in the past year across different industries, and now it's your turn. During the two-day live training, you'll learn 10 plus powerful AI tools, prompt engineering, automating your workflows, and building AI products without code. Limited seats available, and they're filling fast. Grab yours now via the link in the description. Pay us, join in the WhatsApp community to stay updated before the big blast. Look, private student loans can make you feel like you're one missed payment away from selling your grandma's heirlooms. We miss your grandma. Yrefi says, chill out, no more sacrificing the family jewels. They don't reduce you to a credit number.

• 24:45Caleb Hammer?

  They actually want to see if you actually plan on paying them. And by the way, they're providing interest rates under 6%, which is practically a unicorn in the student loan jungle. I mean, some lenders want to charge so much that you'd swear they're putting your firstborn on layaway. Tired of monthly payments so high you can't afford a single sweet treat? Yrefi has got you. They'll rearrange your payment plan, ease the monthly hit, and even let your poor cosigner off the hook. Mom or dad can finally breathe. Oh, and if you think you'll just get stuck in a call center, guess what? 4.6 stars and Google says Yrefi actually picks up and treats you like a real human. Shocker, right? And fine, that's about as rare as me not slamming the desk every single episode. So, if you're done fantasizing about robbing a bank, don't do that, by the way. Check out Yrefi.

• 25:29Caleb Hammer?

  They're here to help you actually crush these loans without selling your kidneys on the black market. Head to Y R E F Y dot com slash hammer, that is Yrefi dot com slash hammer, or call 888-973-3978, that is 888-973-3978, and see how a real personal approach can help you escape the private loan nightmare. Because let's be honest, living with crippling debt until you're 90 is not the retirement plan you dreamed of. Which one? Which one had that? Because it wasn't my YouTube money that did that. Which one accumulated a quarter million dollars? Okay, so whose system likely works?

• 25:59Caleb Hammer?

  Versus not, do they have debt?

• 26:02Speaker 03

  But again, you're a guy.

• 26:05Caleb Hammer?

  What does that mean?

• 26:06Speaker 03

  I don't know. I don't go into their, like, their finances.

• 26:09Caleb Hammer?

  Then why the are you listening to people you don't even know if their finances are working or not?

• 26:12Speaker 03

  Because I'm not gonna pride in their, like, personal life.

• 26:15Caleb Hammer?

  But why do we trust that it works?

• 26:17Speaker 03

  I'm just saying that all of us girls think the same way.

• 26:23Caleb Hammer?

  A little sexist.

• 26:24Speaker 03

  No, my clique, my little girlfriend clique, not all girls, just my girlfriend clique.

• 26:31Speaker 04

  Yeah, I don't, I don't get that. I don't.

• 26:34Caleb Hammer?

  Do you hate them? They sound horrible.

• 26:37Speaker 04

  Well, no, I, I wouldn't say I hate them much.

• 26:40Caleb Hammer?

  You guys have a clique name? The clique.

• 26:46Speaker 03

  You're such an ass. Thanks.

• 26:50Caleb Hammer?

  Like, I, I, why are we listening to people if we don't even know if they're successful or not? Like, would I listen to a random person on the street or even a friend? No. Okay. For example, there is actually someone in my friend group who always tries to talk about, you know, what should be done in the world of business, yet he's never built a business in his life. Why would I listen to that person? Like, why would I?

• 27:11Speaker 03

  I'll ask them about their finances.

• 27:12Caleb Hammer?

  If I saw them build a successful business, then let's do it. He has experience. He would know what's going on. He doesn't. So it's like, okay, I listen and I nod, and then I don't do the things he says because he has no world, real world experience with it. Why, like, you don't know if they, maybe they're complete failures, maybe they're not. And you don't see it on the outside. No one shows it on the outside in the United States. We just put everything on debt. And we look like we're living a good, normal, middle-class, upper-middle-class life, no matter who you are.

• 27:41Speaker 03

  True.

• 27:42Caleb Hammer?

  Uh huh. So why the are we listening to them? Girl brain versus boy brain. This is stupid.

• 27:48Speaker 03

  I don't know. I just, I, it works better for me.

• 27:51Caleb Hammer?

  Why would a boy do it different? Come on. If that's what you're gonna say, what's the why?

• 27:54Speaker 03

  It just, when he talks about it and he, like, breaks everything down, like, he wants everything very-

• 28:00Caleb Hammer?

  Rationally instead of emotionally?

• 28:02Speaker 03

  You're so annoying.

• 28:03Caleb Hammer?

  Come on, if you're gonna go boy brain versus girl brain.

• 28:05Speaker 03

  So meticulously and, like, he, like, wants everything categorized and it just, it-

• 28:11Caleb Hammer?

  You don't want it categorized?

• 28:13Speaker 03

  No, I just wanna know, like-

• 28:14Caleb Hammer?

  Housing should be in the same category as going to McDonald's.

• 28:18Speaker 03

  What? How?

• 28:19Caleb Hammer?

  What? You're annoyed that he categorized his purchases and expenses?

• 28:24Speaker 03

  So that's why I just wanna know like what needs to go out every week? And what needs to like be set aside for future?

• 28:30Caleb Hammer?

  But you don't know, wanna know to what? And also, weekly doesn't matter. Again, this isn't boy brain versus math brain. Let's say, what's your rent?

• 28:38Speaker 03

  Eighteen fifty.

• 28:39Caleb Hammer?

  Okay, eighteen fifty.

• 28:43Caleb Hammer?

  Divided by the what I'm gonna round down to as uh six thousand dollars, not six thousand two hundred, on a monthly basis. Okay, that's thirty percent. Now, there's usually four weeks in a month, right?

• 28:55Speaker 03

  Mm-hmm.

• 28:55Caleb Hammer?

  Okay, do we agree on this?

• 28:57Speaker 03

  Yes.

• 28:58Caleb Hammer?

  Do we agree on this? Uh, Colton, may I have a whiteboard? I just, I really wanna draw out what a boy brain thinks.

• 29:06Speaker 04

  See what I have to deal with when I'm doing a budget?

• 29:08Caleb Hammer?

  Uh, yes, I would divorce her immediately, even though you're not even married.

• 29:11Speaker 03

  He's not married, so he can't divorce me.

• 29:13Caleb Hammer?

  That's what I just said.

• 29:17Caleb Hammer?

  Okay.

• 29:20Caleb Hammer?

  So there's four weeks. Here's a week.

• 29:24Speaker 03

  My god.

• 29:24Caleb Hammer?

  Here's a week.

• 29:26Speaker 03

  He's already doing it wrong.

• 29:27Caleb Hammer?

  Here's, I'm doing it wrong?

• 29:29Speaker 03

  Yes.

• 29:29Caleb Hammer?

  How am I doing it wrong? You don't even know what I'm doing.

• 29:32Speaker 03

  Eh, horizontal.

• 29:35Caleb Hammer?

  These are four weeks, right?

• 29:36Speaker 03

  Okay.

• 29:37Caleb Hammer?

  Okay, do we agree?

• 29:39Speaker 03

  Sure.

• 29:40Caleb Hammer?

  One, two, three, four. Yippee, we figured it out. Now, if you're budgeting weekly of what money goes out on a weekly basis, well, fun fact, rent hits once. And, yeah, there it is. So that's the first week. Rent is thirty percent of income.

• 30:03Caleb Hammer?

  If we're budgeting weekly, each week is only twenty-five percent of our income. That means this is cuz this is already overfilled by rent! You can't budget weekly cuz it's already gone! It's done, it's obliterated, it's ruined! You have to budget monthly because if you budget monthly, rent is only this! And then you can figure out what to do. You're week one, this doesn't make sense, you can't budget weekly!

• 30:30Speaker 03

  See, again, this is what makes sense to your-

• 30:32Caleb Hammer?

  Okay, girl brain math, erase this and do it for me.

• 30:35Speaker 03

  So-

• 30:36Caleb Hammer?

  Girl brain! Girl brain!

• 30:38Speaker 03

  Girl brain your face.

• 30:40Caleb Hammer?

  What was the, what does that even mean?

• 30:42Speaker 03

  I don't know.

• 30:45Speaker 03

  Okay, so the way I like to do it is-

• 30:47Caleb Hammer?

  Yes, the girl brain method.

• 30:50Caleb Hammer?

  Gotcha.

• 30:51Speaker 03

  Okay.

• 30:51Caleb Hammer?

  We went horizontal, yeah.

• 30:53Speaker 03

  So, I like to think of everything that's gonna come out this week and-

• 31:00Caleb Hammer?

  Well, can you explain what everything is here? I explained what everything is, so I get, so you could follow.

• 31:03Speaker 03

  Okay, sorry, mortgage, the-

• 31:05Caleb Hammer?

  What are the lines?

• 31:07Speaker 03

  This is one week, one week, two week, three weeks, and four weeks.

• 31:10Caleb Hammer?

  Okay, so there was no line for the fourth week, that's interesting.

• 31:13Speaker 03

  Oh my god, see?

• 31:13Caleb Hammer?

  I just wanna make sure I'm following along!

• 31:15Speaker 03

  You're like him!

• 31:16Caleb Hammer?

  I'm just, what?

• 31:18Speaker 03

  You're so annoying.

• 31:19Caleb Hammer?

  What the fuck are you on about?

• 31:21Speaker 03

  Anyways, so whatever needs to come out this week, I need to know what monies we need here. And then what's left over. And then, whatever monies from, left over here, I need to know what needs to go on the next week, the next week, and the next week, and what's left over for each week. And I would love to have whatever's left over here, go to the next month already.

• 31:47Caleb Hammer?

  But it's not possible, no money would be left over.

• 31:50Speaker 03

  I want to build it up, so that we can have money left over. So that's the thing where I get annoyed with him, cuz I'm like, "Okay, you're telling me that this money's left over in the account?"

• 32:00Caleb Hammer?

  Budget isn't savings. A budget's just like, the money going out that is in. Huh?

• 32:05Speaker 03

  I know, it's not savings.

• 32:06Caleb Hammer?

  Then how can you only spend half of the first week, when your rent is thirty percent?

• 32:11Speaker 03

  I don't know what you're saying, but-

• 32:13Caleb Hammer?

  What? If rent is thirty percent of your income, and each week is broken down to twenty-five percent, cuz you get paid weekly.

• 32:19Speaker 03

  This is what, you, like, guys, like, mentally cap yourself because you're like, "Oh, we're already like here."

• 32:26Caleb Hammer?

  I'm just confused.

• 32:27Speaker 03

  We're already here, we're already spending all of this money, I'm like, "No!"

• 32:30Caleb Hammer?

  Okay, maybe I'm mentally capping myself, can you ask, can you answer me how this works?

• 32:34Speaker 03

  You need to start building your money, so I need-

• 32:37Caleb Hammer?

  So you're talking about reserves, you're talking about savings. Savings isn't budgeting, though.

• 32:41Speaker 03

  Are you gonna let me talk?

• 32:41Caleb Hammer?

  Yes.

• 32:42Speaker 03

  Reserving money, and then having money set for the next month's bills already. So I need to have everything for the next month already. Every month, so right now, I want to have everything for November already.

• 32:58Speaker 03

  And then after that, I, once we have money left over and I know that we're gonna have everything for December, then I know that we have savings and that needs to go into a different account.

• 33:09Caleb Hammer?

  Brought in less than 6,000 dollars and spent 8. I don't think what you guys are doing is working. Why are we, what's your thoughts on this? You're not saying a thing. Cause what the is, what am I witnessing?

• 33:21Speaker 04

  It's good, I'm still trying to understand her, Mate. We've had this conversation over and over and I still don't understand her. I like, I kinda get part of it, but she's like moving ahead to the next month when I'm still trying to figure out this month.

• 33:35Caleb Hammer?

  I mean, she's, well, listen, when we're budgeting on a monthly basis, this is what a budget actually looks like is you say, we have this much money to spend. Or, well, the expenses are this and you tell your money where it's going. You're talking about reserves. You don't even know what's required on a monthly basis, cause you won't do a budget and figure out what categories are. When you're not willing to cut down and break down where money is going on a category basis, you can't know how much is required for the next month.

• 34:04Speaker 03

  But I do cut down. If he tells me like, hey.

• 34:06Caleb Hammer?

  No, no, no, break down. You're not willing to see where money is going on a category basis. So you can't say what November costs to save up for in the month of October.

• 34:13Speaker 04

  I will say it's hardest to stick on a budget with three kids.

• 34:17Speaker 03

  Yeah.

• 34:17Caleb Hammer?

  What do you mean? That's, are you telling me people with children don't budget?

• 34:22Speaker 04

  No, I'm not saying that.

• 34:23Caleb Hammer?

  Shut up. This is more expenses, but you have to choose.

• 34:27Speaker 04

  I mean, I don't expect you to understand, you don't have any kids.

• 34:29Caleb Hammer?

  No, but I have a budget, you do not.

• 34:31Speaker 04

  Yeah, but.

• 34:32Caleb Hammer?

  I have money, you do not.

• 34:33Speaker 04

  But no kids.

• 34:34Caleb Hammer?

  I've been successful in life, you have not.

• 34:35Speaker 04

  But you don't have any kids.

• 34:37Caleb Hammer?

  You are 32 and you are further behind than I was at 1.

• 34:44Speaker 04

  And that's okay, that's a weird, like, I mean.

• 34:46Caleb Hammer?

  So this has nothing to do with.

• 34:47Speaker 04

  That's fine.

• 34:48Caleb Hammer?

  It's not bragging, but if you're gonna say, I don't understand, cause I don't have kids, oh, I understand numbers, big guy.

• 34:53Speaker 04

  No, I'm not.

• 34:54Caleb Hammer?

  The children, a child is not needed to be involved to do a budget.

• 34:58Speaker 04

  I'm just saying it's harder to stick to the budget when there's kids involved.

• 35:01Caleb Hammer?

  No, cause you just have discipline, big guy.

• 35:04Speaker 04

  Like, everything seems, you know, easier on the outside, like they say, it's easier said than done.

• 35:09Caleb Hammer?

  Everything is easier on the outside than not, but if you have a little bit of discipline, you can commit to any realistic budget and you can follow it. You tell the money where it is going, if it is no, if you've overspent on a category, you tell them, no, we cannot go to McDonald's today.

• 35:25Speaker 03

  I will say my kids were not very used to being limited.

• 35:30Caleb Hammer?

  First of all, first of all, a 12 year old and 17 year olds can handle a conversation saying, "Hey, we don't have as much money right now and we're trying to fix some of our mistakes."

• 35:37Speaker 03

  I wish you met my 17 year old.

• 35:38Caleb Hammer?

  Okay, then your 17 year old's a piece of [bleep].

• 35:40Speaker 04

  But what about for like sports?

• 35:42Speaker 03

  Caleb!

• 35:42Caleb Hammer?

  He's 17, he's basically an adult. She is a child. She's living the TikTok frontal lobe 25 year old life. She's almost 18, she can have independence, it's not for the military, 18 and she's being a dumbass? Wanna know a dirty little secret? And no, I'm not starting an only [bleep]. You're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck, that is bad tracking. And it's exactly why I use Dollar Wise. It shows you exactly where your money's going every single month. Spending, subscriptions, and savings all in one simple dashboard. Everything you need and nothing you don't.

• 36:23Caleb Hammer?

  And when you download Dollar Wise today, you'll get this to try it for free, plus three months for just $9.99. So you can finally take control and see what your money's been doing behind your back. Click below to get started.

• 36:35Speaker 03

  No, she's not. She has a job, she works. She pays for a lot of her own stuff.

• 36:40Caleb Hammer?

  She's not someone I'd wanna have in a workplace if she can't handle a conversation about needing a budget?

• 36:46Caleb Hammer?

  If she is that immature of a...

• 36:49Speaker 03

  It's...

• 36:49Caleb Hammer?

  Then I don't wanna hear [bleep].

• 36:51Speaker 03

  We are gonna fight.

• 36:52Caleb Hammer?

  She needs to handle, she needs to handle conversations. If she can't handle, dude, she's about to literally potentially go to college and live on her own. And if she can't handle a conversation about how her parents need to come back, then I don't wanna hear [bleep] about her.

• 37:05Speaker 03

  I wasn't saying now. I wasn't saying now.

• 37:08Caleb Hammer?

  You just said...

• 37:09Speaker 03

  When we first met.

• 37:09Caleb Hammer?

  No, no, no, you just said, "I wish I could have heard the conversation with my 17 year old."

• 37:14Speaker 03

  When we first met, it was harder to tell her, no, she was only 12.

• 37:18Caleb Hammer?

  Congratulations, it's not six years ago.

• 37:20Speaker 03

  Okay, you're right.

• 37:21Caleb Hammer?

  I really don't.

• 37:22Speaker 03

  She now understands better, she not, when I lost my job, I sat down. You're right. When I set, when I set them down when I lost my job and I told them, hey, things are gonna be a little bit tighter. They understand. They do.

• 37:32Caleb Hammer?

  Then why the bring up it's harder to budget with a child and they can't handle that conversation? What are you talking about? You're backtracking real quick.

• 37:38Speaker 03

  This is why we build up.

• 37:39Caleb Hammer?

  Why do I care about earlier?

• 37:41Speaker 03

  Cause this is why we build up debt.

• 37:43Caleb Hammer?

  What? Dude, I'm talking about now. You guys are saying it is harder to budget with children. It is an extra thing put in there. Of course, it's a little, the more and more things you put in there, the harder it gets. That is an objective reality. That doesn't mean you can't.

• 37:58Caleb Hammer?

  So what are we talking about?

• 38:00Speaker 03

  They're very active. I told you this.

• 38:02Caleb Hammer?

  Budget? Cause the two people that are supposed to be budgeting together can't agree how to budget. Can't agree on how to spend money. If there's bonus money, you blow it. You know all the numbers, even though you don't, because we talked about it and you didn't know what the was actually going on. And then she's just out there doing whatever, not even being involved. So that is what I would say makes it harder to budget out, cause you have children.

• 38:23Speaker 03

  Well, I will say, cause they're active, they have tournaments and such. So when they have things going on out of state.

• 38:29Caleb Hammer?

  Budget.

• 38:30Speaker 03

  You're right. If I was involved in the budget, but when it's like things that they have going on, I just say, okay, yeah, we're going, we're going to California, we're going to Vegas.

• 38:38Caleb Hammer?

  Then you're a bad mother.

• 38:40Speaker 03

  I wanna be there. I wanna go to the competitions.

• 38:43Caleb Hammer?

  No, budget it in. You guys made money.

• 38:46Speaker 03

  Well.

• 38:46Caleb Hammer?

  Guys also have that. How much debt you guys have? Oh.

• 38:49Speaker 03

  Yeah.

• 38:53Caleb Hammer?

  Over a hundred thousand dollars of debt that's not even, that's not even the house. Literally. Wow. A hundred thirty three, a hundred thirty thousand dollars of debt that is not the house. That is not the primary mortgage.

• 39:07Speaker 04

  I didn't think it was that high.

• 39:08Speaker 03

  Yeah, I didn't either.

• 39:09Caleb Hammer?

  Oh, good. I'm glad we know absolutely nothing. Uh, listen, you, I understand, cause you don't know a single thing in this world. I don't know how you've survived this long. You, you look at the numbers. How the you not know? Isn't our goal to pay off the debt? Apparently not. Not if you don't know how much debt there is.

• 39:23Speaker 04

  It's, it's difficult. You'll probably see once we start getting into finances, I kinda, she ran her finances one way and I did mine. I mean, you already saw. But obviously, you know, like she has her credit cards. I have my credit cards, you know, and so.

• 39:40Caleb Hammer?

  She ran what?

• 39:41Speaker 04

  She has her credit cards and I have my credit cards and, you know, they're not all joined.

• 39:46Caleb Hammer?

  But you don't communicate about the overall spending because obviously we have to put money towards the credit cards. When it comes to paying minimum monthly balances at a minimum, you guys just don't talk, do you?

• 39:55Speaker 04

  I mean, we try to, but like when she had a, she had a job, she had like some money from her paycheck put into her own account that.

• 40:03Speaker 03

  And I would just pay off my own credit cards.

• 40:05Caleb Hammer?

  I mean, you guys aren't married. Maybe you should do finances separately for now. I'm more confused.

• 40:10Speaker 03

  So.

• 40:11Caleb Hammer?

  Okay, so she wants to get married is what I'm picking up.

• 40:13Speaker 04

  But we can't like, I'm just asking for the simple thing.

• 40:16Caleb Hammer?

  Makes more sense. So just get married. Six years in, we have a kid together, right? The kid was his, right?

• 40:21Speaker 03

  It makes sense.

• 40:22Speaker 04

  I just don't see like the point like.

• 40:24Caleb Hammer?

  Well, I already gave some reasons.

• 40:26Speaker 04

  But it's like, I don't know, like, is it?

• 40:28Caleb Hammer?

  Tax pennies.

• 40:29Speaker 04

  I don't think it's necessary. Like, I mean, we're.

• 40:31Caleb Hammer?

  It's not, I guess a hundred percent necessary, but it makes complicated things a little less so.

• 40:36Speaker 03

  I already gave him a daughter.

• 40:39Caleb Hammer?

  Gave him. Okay, interesting.

• 40:43Speaker 04

  But, I mean. We could probably, we could probably talk about that later, you know?

• 40:49Caleb Hammer?

  What, the kid?

• 40:50Speaker 04

  No, no, no, no, marriage is down the line, you know?

• 40:53Caleb Hammer?

  Why? I mean, I don't understand. You're blaming her running up on credit cards, but you're running up credit cards as well. Someone ran a train on her before. Now there's the seventeen and twelve year old that apparently we can't have a conversation with. Like, if that's just what we're blaming things on, like, I don't get it. Can't have a conversation with them?

• 41:10Speaker 03

  Yeah, see, he wants me to be financially responsible, but I'm not his wife, so I don't have to really listen to him.

• 41:17Caleb Hammer?

  Come on, you guys are acting like life partners. I'd be okay if you relatively combined at least overall aspirations, even though legally you don't have those protections that would protect you afterwards, to just get married.

• 41:29Speaker 03

  Yeah.

• 41:29Caleb Hammer?

  Why not?

• 41:32Caleb Hammer?

  You don't have to do a big thing, just do it for the protections at a minimum.

• 41:36Speaker 04

  I think she wants to.

• 41:37Caleb Hammer?

  What scares you?

• 41:38Speaker 04

  I think she.

• 41:38Caleb Hammer?

  What scares you?

• 41:40Speaker 04

  What scares me is the like, that she is gonna want a, a big wedding.

• 41:43Speaker 03

  Oh my god, that's not even true.

• 41:44Caleb Hammer?

  No, no, do that in a couple of years. Just get the legal protections now.

• 41:50Speaker 03

  Like go to the court and sign papers? No.

• 41:52Caleb Hammer?

  Oh, okay, well, maybe you're right.

• 41:54Speaker 03

  But I was saying like, go, like, his mom has a really nice big house. So I was like, just do a backyard wedding. Like, I don't, I'm not even asking for like a big.

• 42:01Caleb Hammer?

  Yeah, but you guys don't really have money to do that.

• 42:05Speaker 03

  But we can get padrinos.

• 42:07Caleb Hammer?

  Okay, nobody knows what that is.

• 42:09Speaker 03

  Godparents. Well, it's not a.

• 42:12Caleb Hammer?

  Godparents, what the f**k have to do with you not spending money?

• 42:15Speaker 03

  It's like a Mexican thing, like you ask for like, um.

• 42:19Speaker 04

  Basically, financial help.

• 42:20Speaker 03

  Yeah, to help you with certain things.

• 42:22Caleb Hammer?

  That'd be great if they can, who knows their financial ability or if they would even want to, but I do, would they cover a hundred percent?

• 42:28Speaker 03

  No.

• 42:28Speaker 04

  I mean, they don't.

• 42:29Caleb Hammer?

  You don't have money. You're overspending, you're f**k. How much retirement you got?

• 42:34Speaker 03

  Uh, right now, because I taking it out?

• 42:39Caleb Hammer?

  Oh, that's a giggle. We're giggling at that. She's giggling. Hey, your future wife is giggling at the fact that she took money out of her retirement.

• 42:45Speaker 03

  I lost my job three times and that's why I had to take it out.

• 42:47Caleb Hammer?

  Stop getting fired.

• 42:48Speaker 03

  I'm not getting fired on purpose.

• 42:52Caleb Hammer?

  Well, does anyone, I guess, that's kind of quiet quitting in a way?

• 42:57Speaker 03

  Yeah, that's a trend, but I'm, that's not what I'm saying.

• 43:00Caleb Hammer?

  Now it's quiet firing.

• 43:01Speaker 03

  I had some really bad things happen in my life, some family losses, and unfortunately affected my job performance, and that's why.

• 43:08Caleb Hammer?

  Three times?

• 43:09Speaker 03

  Yes, three times. Unfortunately, my mom and my baby sister, um, passed away one year apart.

• 43:16Caleb Hammer?

  Yeah, it's f**ked up. It's f**ked up, and I'm sorry, but.

• 43:20Speaker 03

  I was probably not the best employee, I'm not gonna lie.

• 43:22Caleb Hammer?

  I mean, knowing this and your lack of communication with the person you want to marry, I highly doubt you communicated with the boss of what you're going through. And I mean, they will give some grace. Most normal bosses will give some grace. But not permanent grace.

• 43:33Speaker 03

  I asked for a couple, they, they literally asked me to go back like a week after my losses, and I'm like, I need more time. They're like, well.

• 43:40Caleb Hammer?

  Where were your jobs? Not the companies, just like what was the like job?

• 43:45Speaker 03

  The first one was at the Financial Credit Union. The second one.

• 43:49Caleb Hammer?

  Okay, so yeah, it's a credit union. You're right, they're gonna be more corporate. You know, you gotta do the job, they can replace you like that. That's fair, that makes sense. I understand it. That's not how I would run a business, but I get it. Okay, next one.

• 44:00Speaker 03

  The next one was administrative assistant.

• 44:02Caleb Hammer?

  Well, yeah, they kinda need that almost like 24 hours a day. So I also kind of understand that one. Would again, would I do it? Not necessarily, but I understand that you're gone.

• 44:10Speaker 03

  Yeah.

• 44:11Caleb Hammer?

  Third one?

• 44:11Speaker 03

  The second one was my, um, was my baby sister. So that one really affect me.

• 44:16Caleb Hammer?

  Well, yes, I get that. I understand it, but I also understand the job.

• 44:20Speaker 03

  Yeah.

• 44:20Caleb Hammer?

  Like they can just go get someone in like two seconds.

• 44:23Speaker 03

  No, for sure.

• 44:23Caleb Hammer?

  Okay, and the next job was?

• 44:25Speaker 03

  Well, the latest time was because.

• 44:28Caleb Hammer?

  I know, but what was the job again?

• 44:29Speaker 03

  It was just processing like back.

• 44:33Speaker 00

  This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome? That's new. It can help you with practically anything on the web. Like restoring a vintage motorcycle from a 50-page restoration block. Or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up required compatibility and availability varies 18 plus.

• 44:59Caleb Hammer?

  Again, an easy one to replace. So I understand why they would want someone in there who's just gonna do the job, even if there's tragedy going on. Sucks, but I do understand it. Guys, there's so many things to talk about. Okay, but I just, I have to get into these finances. I'm just, my big concern is we're getting these finances, but we haven't even come close to any kind of resolving of just how you guys view budgets. Because if you, if you guys, we can walk out of here understanding the debt and where the spending is. But if you guys are not aligned on how to budget and how to communicate, there's no conversation. You guys are.

• 45:31Speaker 03

  I will, I promise if we have a good plan and a good way to get out of debt after this, I promise I will.

• 45:38Caleb Hammer?

  Girl, you won't even monthly budget.

• 45:40Speaker 03

  I'm saying I will start doing it.

• 45:42Speaker 04

  I tried to get her to, to do a budget for this month and.

• 45:46Caleb Hammer?

  What happened?

• 45:47Speaker 04

  She, she fell through. She didn't, she didn't do it. I, I told her before the, the previous month ended. Uh, like, hey, can you work on it? That way like, you know, you can put in things that you wanna do or like, you know, like if there's certain like things that you wanna spend on, um, that you can put it on there and see, so you know, you know, how we're gonna be for that month. And she couldn't do it.

• 46:06Speaker 03

  And now he wants me to ask permission every time I spend.

• 46:09Caleb Hammer?

  Ah, the permission thing gets a little weird and not the marriage or the dynamics is a little weird.

• 46:14Speaker 03

  And I'm not why.

• 46:14Caleb Hammer?

  Because you're an incredibly untrustworthy person when it comes to finances. When it comes to finances, not saying you're going out there and taking dick every day. I'm not saying that. Neither is he, I don't think. I don't think he's taking dick every day either.

• 46:26Speaker 03

  I don't think you are either.

• 46:28Caleb Hammer?

  I'm not taking dick every day. I'm giving dick.

• 46:31Speaker 03

  We'll have to ask your partner to confirm that, but yeah.

• 46:34Caleb Hammer?

  She'll confirm that. And also, we have fun.

• 46:38Caleb Hammer?

  We have fun. I'll tell you that. Uh, but also, uh, yeah, but money, trustworthy. So I understand that and, you know, and then it gets a little maybe overcontrolling, where it's like permission for spending. It's just like, it's hard, it's hard, it's hard, it's hard, it's hard.

• 46:54Caleb Hammer?

  I'm gonna go three, two, one, point. On point, I want you guys at the exact same time to give me what you think your financial score is, zero to 10, zero being the worst, 10 being the best, okay?

• 47:03Speaker 03

  Okay.

• 47:04Caleb Hammer?

  Three. Trace, dose, uno.

• 47:09Speaker 03

  Five.

• 47:09Speaker 04

  One.

• 47:11Caleb Hammer?

  Almost at the same time, you're, why, again, why five? Why do you think you're middle of the road?

• 47:16Speaker 03

  Caleb, what F you, okay? I think everybody has debt, um.

• 47:20Caleb Hammer?

  Okay, that's not true, but yes, Americans love debt.

• 47:23Speaker 03

  I think that, I really think that I try not to spend as much or try to like do everything I wanna do, so

• 47:35Speaker 03

  I try to hold myself back and not spend as much.

• 47:40Speaker 04

  I think she lives in a very optimistic world where she thinks that, you know, everything will magically just work out itself and like she doesn't care about the numbers, like what the numbers are showing. She just think everything is just gonna get resolved out of nowhere.

• 47:56Speaker 03

  Magically.

• 47:58Caleb Hammer?

  Eras Rita Swara.

• 48:01Speaker 03

  No, you said it wrong.

• 48:03Caleb Hammer?

  But I was close enough to get my point across.

• 48:05Speaker 03

  Tu eras retrasado mental.

• 48:07Caleb Hammer?

  Don't speak. I don't speak terrorist. Hi, listen here, financial audit. I've curated the exact resources and tools I personally use, or would use if I was in certain situations. So, take advantage of these offers in the resources section in the description below. The first one, I've moved my investments to Weebull. Do the same and transfer to my investing app of choice and you get cash bonuses of $200 all the way up to $30,000 depending on initial funding amount, and up to 8.1% APY on your money, and up to 3.5 matches for your IRA. And then, number two, a great new checking account that I've switched over from SoFi and it's called Chime. Get that $550 bonus

• 48:52Caleb Hammer?

  when you sign up with direct deposit and get almost 4% on your money just sitting there. And then, three, automate your investing with Acorns. Usually, sign up incentives are only five bucks, but you get $20 with my link. Number four, you can increase your income and boost your resume with a course career certification. Five, if T-Mobile is good in your area, switch to Helium and get a literal $0 a month phone plan for the same exact service. But most importantly, go get your free Hammer financial score and see where you stand in the world of finances. Take the assessment at CalebHammer.com. You will not regret any of these. Change your life today. All right, ladies and gentlemen, if, I don't know, that could have been, you could have, that could have been a full Al Qaeda. I don't know what's happening.

• 49:37Speaker 05

  You know I'm Mexican.

• 49:38Caleb Hammer?

  I don't know what other languages you speak. All I know is I got a little intimidated, okay? That's all I'm saying. That could have, the fuck, could have been with the chanted before the fucking plane hit. I don't, I don't know what's happening right now, okay? That all sounds gibberish to me.

• 49:52Speaker 05

  You are gibberish.

• 49:53Caleb Hammer?

  I am from West Michigan where I saw approximately two people that weren't white my entire life before coming down to this diverse location.

• 50:02Speaker 05

  I did that. You're from Texas this whole time.

• 50:04Caleb Hammer?

  Nope. If you watch your financial score, Hammer Financial Score, trust me, you're probably not a five out of 10 unless you're doing halfway decent, then you know, you'd be getting up there. See where it is, see where you need to do better, see where you're already doing pretty okay. See where you're completely [bleep] CalebHammer.com. It is free. If you don't want to be like a guest who ends up on the show, download the Dollar Wise Budgeting app, sign up for your free trial, and if you like it, you can sign up for the annual version to save a ton of money. And when you do, only for a couple more months, I will personally sign my budget from the cookbook and mail it directly to you. DollarWise.com. Okay, here we go. We got our chunky one at the beginning. So yeah, I mean, on your record, and when people do employment

• 50:46Caleb Hammer?

  searches, I mean, your record is going to show firing on a lot of the employment databases. If they mark that as such, they will see you as fired for performance. How are you going to get another job? I don't even know. I'm concerned. Three firings? Unless they're not marked as firings and it's like layoffs, stuff like that. Okay, that'd be different, but straight up fire?

• 51:08Speaker 03

  I'm not sure, but I've been very lucky getting higher.

• 51:12Caleb Hammer?

  Yeah, to what wages? Because these don't sound like...

• 51:15Speaker 03

  I mean, my last job was probably the worst one that I had. I was making like 19.

• 51:21Caleb Hammer?

  It's going down. Yeah, 19. Phoenix ain't cheap, but you guys together, now it provides, it provides. It's not bad. But of course, on your own, I mean, I don't know. But $7,787 out of the gate, chunky as [bleep]. Of course, you guys couldn't send a statement because people don't know how to use [bleep] thing. Who has this on the...

• 51:44Speaker 04

  There was no statement for that one.

• 51:45Caleb Hammer?

  There always is. Who has their phone?

• 51:46Speaker 04

  No, there was no statement.

• 51:47Caleb Hammer?

  There is. Who has their phone?

• 51:48Speaker 03

  Yes, there is.

• 51:48Caleb Hammer?

  Yes, there is. There always is. There's no such thing as not a statement.

• 51:51Speaker 04

  There's not a statement.

• 51:51Caleb Hammer?

  Dude, this is Discover. They have statements, you dick. Pull it up!

• 51:56Speaker 03

  Statement summary right there.

• 51:57Speaker 04

  It's coming up. It's loading. Your wifi sucks.

• 52:02Speaker 04

  It's literally loading. See?

• 52:05Caleb Hammer?

  Oh, I believed you. I didn't think it wasn't literally loading.

• 52:09Speaker 04

  But I wanted...

• 52:10Speaker 03

  I sent my discovery in a statement.

• 52:12Speaker 04

  I don't know if you want to look at it, but there wasn't a statement.

• 52:14Caleb Hammer?

  That's why I asked for it.

• 52:15Speaker 04

  Because, um... Because if you can see on the screenshot right there.

• 52:19Caleb Hammer?

  What's your normal minimum monthly payment, big guy? Okay, here it is. 156.

• 52:23Speaker 04

  156, yeah.

• 52:23Caleb Hammer?

  Wow, that's never gonna get paid off.

• 52:25Speaker 04

  It barely came up, right? Because I barely did that.

• 52:28Caleb Hammer?

  So I clicked "View Statements"?

• 52:30Speaker 04

  Oh, yeah.

• 52:31Caleb Hammer?

  Then I clicked "September", and then there's the statement.

• 52:35Speaker 04

  At that time I sent it, there was only the...

• 52:36Caleb Hammer?

  Whoa, that was hard.

• 52:37Speaker 04

  There was only the screenshot available.

• 52:39Caleb Hammer?

  That was a very difficult thing.

• 52:41Speaker 04

  No, I couldn't do the previous one.

• 52:44Caleb Hammer?

  Fees, $370. The fees. Was this a transfer?

• 52:47Speaker 04

  Yes.

• 52:47Caleb Hammer?

  Oh, dude, Chunky, why?

• 52:52Speaker 04

  Because we couldn't afford to pay it.

• 52:54Caleb Hammer?

  No shit? Can you even afford this?

• 52:56Speaker 04

  Well, we, at the time, we couldn't. So, this is when she, like, lost her job, so like, we weren't gonna like... We're gonna take a cut.

• 53:04Caleb Hammer?

  Not having an emergency fund is an emergency. You never know when you're gonna lose a job. You never know when you're gonna be pregnant and [BLEEP] same time. You never know when that's gonna happen. And that is very, that is a scary combination, lady! Then all of a sudden, you get fired from three jobs in a row.

• 53:21Speaker 04

  So I had to do that balance transfer. It's not like I wanted to, but I had to do it because we weren't gonna be able to afford like all the bills for the next month, so in order to...

• 53:29Caleb Hammer?

  Yeah, I mean, I would've called first and like asked for hardship due to a layoff, and they would've put you at like a low, like 1% rate thing for a little while. Usually, they're pretty lenient. They would've done that for maybe six months. Instead of taking this massive 10% fee out of the gate, you just got, well, not 10%, let's see, what did we get hit with?

• 53:46Speaker 03

  Can we do that with Discover now?

• 53:47Speaker 04

  They said it was 5%.

• 53:48Caleb Hammer?

  Yeah, 5%. You just got hit. That wasn't 5% accruing, that was 5% just...

• 53:52Speaker 04

  But now I got 0%.

• 53:53Caleb Hammer?

  For a second.

• 53:55Speaker 04

  Which is gonna make up for it.

• 53:57Caleb Hammer?

  For a little bit. If you called, you wouldn't have had an extra fee, maybe 1%.

• 54:00Speaker 03

  Can we do that now?

• 54:01Caleb Hammer?

  Well, it doesn't matter. It's transferred onto a 0% card.

• 54:04Speaker 04

  But again, it was just to make, it was just to make, um...

• 54:09Caleb Hammer?

  It's not for that long, we're talking like, it's not even a full year from now.

• 54:13Speaker 04

  I think it was like, I don't remember if it was 10 months or 12 months.

• 54:16Caleb Hammer?

  10.

• 54:17Speaker 04

  10?

• 54:18Caleb Hammer?

  Which is not less than that. So it's luckily, I mean, it's not accruing deferred interest, but this thing's fucking chunky dude. This is a huge debt. Decades to pay off, decades to pay off. Minimum monthly payments only without purchases, and that's if you don't purchase, because you do have a little room to purchase. $1,713 of purchases can be done.

• 54:40Caleb Hammer?

  That's crazy. Now, why'd you rack up that credit card in the first place? They had to be transferred. Because here's the reality, you weren't racking up that credit card when you're laid off, you transferred, because you're, well, not laid off, fired.

• 54:51Speaker 04

  So, a lot of the balances, I like to give gifts. So when Christmas time, birthdays come around.

• 55:01Caleb Hammer?

  $7,787 of gifts last Christmas?

• 55:04Speaker 04

  We've also, you know, taken trips. Uh, last year, we went to Miami.

• 55:09Caleb Hammer?

  Not without an emergency fund, that makes no sense. That makes no sense.

• 55:14Speaker 04

  I mean, it makes sense at the time.

• 55:17Caleb Hammer?

  It does not. It never makes sense. Nothing makes sense about spending fun money when you do not have an emergency fund, because look where we are today, you just ate 5% and like that, because you didn't have an emergency fund to cover your payments for six months.

• 55:28Speaker 04

  But it was, it was to go see Lionel Messi. I mean, I don't know if you're.

• 55:33Caleb Hammer?

  In Miami FC?

• 55:35Speaker 04

  No, it was, uh, it was, uh, was it Copa America? Yeah. Yeah, it was like international.

• 55:39Caleb Hammer?

  What did you just say?

• 55:40Speaker 04

  Argentina. American Cup.

• 55:42Caleb Hammer?

  Don't intimidate me again.

• 55:44Speaker 04

  American Cup. That's just the name of the competition, but it's an international, so it wasn't with Miami.

• 55:48Caleb Hammer?

  In Miami, but their soccer stadium's about a thousand years from downtown.

• 55:52Speaker 04

  It's football. But they don't go, they don't go to Phoenix. Like, the World Cup's coming up next year, so.

• 55:57Caleb Hammer?

  You know who invented the term soccer?

• 56:00Speaker 04

  Maya. No. The Mayans. No, the US.

• 56:04Caleb Hammer?

  The British?

• 56:31Speaker 03

  Oh, I don't know about that. But the Mayans started it first.

• 56:34Speaker 04

  They still call it football in London.

• 56:35Speaker 03

  Yeah.

• 56:35Caleb Hammer?

  They sort of do, but a lot of places call it football. Soccer.

• 56:40Speaker 03

  No, only America does.

• 56:41Caleb Hammer?

  Nope, that is not true. That is not even close to true. I believe it's Australia, many Asian countries.

• 56:46Speaker 03

  All of the Asian countries that I've listened to.

• 56:48Caleb Hammer?

  I said Asian, some Asian countries, dick.

• 56:51Speaker 03

  You're the dick.

• 56:53Caleb Hammer?

  Yes, I embrace it.

• 56:55Speaker 04

  But yeah, that's what, that's, I mean.

• 56:56Caleb Hammer?

  Okay, that was 100% necessary when we didn't have an emergency fund to cover ourselves when an emergency happened, and now an emergency has happened.

• 57:02Speaker 04

  She's had a job at the time. I didn't think.

• 57:04Caleb Hammer?

  Well, but you didn't have an emergency fund. That is when you build an emergency fund. You don't build it when an emergency is happening. That's when you spend it, you dumb. Like, what do you think an emergency fund is for? It's an emergency.

• 57:14Speaker 04

  Well, there was still room in that credit card for the, for an emergency.

• 57:16Caleb Hammer?

  Oh, my fucking credit card? And look where we are today. You just had to transfer because you can't cover the minimum monthly payments.

• 57:21Speaker 04

  But now the other one's zeroed out. So now that one's the emergency.

• 57:27Speaker 04

  So in case something does happen, that one's, you know, free. It's ready to go.

• 57:31Caleb Hammer?

  Freaking ready to go? So that's, so that's what it is. So we spend it on an interest accruing card now that we're, also that we can see Messi?

• 57:38Speaker 04

  I mean, I'd say it was, it was worth it.

• 57:41Caleb Hammer?

  No, because now you guys are literally dying, and I'd say your kids are more important than Messi.

• 57:46Speaker 03

  Yes.

• 57:46Speaker 04

  Yeah, I would, I would say that too, but, I mean, you, you have to see Messi before he retires. Like, it's just a must as a soccer fan.

• 57:54Caleb Hammer?

  To be clear, your future three year, the three month old, when you see this in the future, your parents prefer Messi over you.

• 58:01Speaker 03

  No, she wasn't even born then.

• 58:03Speaker 04

  Yeah, she wasn't born.

• 58:35Caleb Hammer?

  Dude, was she pregnant?

• 58:37Speaker 03

  No!

• 58:38Caleb Hammer?

  Okay, well, the seventeen-year-old and twelve-year-old, when you hear this tomorrow. Yeah.

• 58:43Speaker 03

  They have their dad.

• 58:44Caleb Hammer?

  Okay. The United States, Canada, Australia, New Zealand, Japan, South Africa, Papua New Guinea, they call it soccer.

• 58:52Speaker 03

  Oh my god, alright. Ninety percent of the world calls it football.

• 58:57Caleb Hammer?

  Yeah, cuz they're too f**ked to afford anything other than a ball.

• 59:01Speaker 03

  You're an idiot. A lot of-

• 59:03Caleb Hammer?

  Good one.

• 59:04Speaker 03

  A lot of places play other sports, but mostly they call it football.

• 59:08Caleb Hammer?

  Well, yeah, I mean cricket and the places where they like to eat crickets.

• 59:12Speaker 03

  You're so stupid. Sure, sure, Caleb.

• 59:16Caleb Hammer?

  Can't eat cows, so they try to get their protein somewhere.

• 59:19Speaker 03

  You don't follow sports.

• 59:21Caleb Hammer?

  Well, I heavily follow sports. What are you talking about?

• 59:23Speaker 03

  Apparently not.

• 59:24Caleb Hammer?

  Patriotic sports. Freedom.

• 59:28Speaker 03

  NFL, America.

• 59:30Caleb Hammer?

  I just, I mean, I don't get it. I mean, you're wearing a Japanese something where they call it soccer.

• 59:36Speaker 03

  They call it football. I've listened to Comcast, they call it football.

• 59:42Caleb Hammer?

  You've listened to Comcast?

• 59:43Speaker 03

  Yeah, like when they're the announcers, where they're commenting, commenting.

• 59:48Caleb Hammer?

  Commentating?

• 59:48Speaker 03

  Commentating.

• 59:49Caleb Hammer?

  Better. Ooh, footballer. That's what you hear? That's what you hear? Oh, they call it football.

• 59:57Speaker 03

  You're an idiot, so...

• 59:59Caleb Hammer?

  How have you not gotten cancelled?

• 1:00:00Speaker 03

  Seriously?

• 1:00:01Caleb Hammer?

  I'm a constable. I'm full goon to the max every day. If you're full goon to the max and everyone knows you're a goon, no one gives a f**k when you're a goon. Who, also, we're done with cancel culture. No one gives a f**k. Pearl clutches, TikTokers, Redditors, they have been shunned to the edge of society. Sponsors don't care. The real people who are not terminally online don't give a f**k. There is no cancellation.

• 1:00:21Speaker 03

  After they tried to cancel Eminem, I was over it. I was like, dude, that's-

• 1:00:24Caleb Hammer?

  They tried to cancel me like fifty times. It doesn't work.

• 1:00:25Speaker 03

  No.

• 1:00:26Caleb Hammer?

  Why would it? I don't have a bunch of pussies in the audience.

• 1:00:29Speaker 03

  I do love your hair, by the way.

• 1:00:31Caleb Hammer?

  And I really don't like yours. So PayPal Credit, this is Natasha.

• 1:00:38Speaker 03

  Oh my god, Bolton.

• 1:00:40Caleb Hammer?

  I just have, yeah. Yeah, cuz there's no statement, so he wrote it on a piece of paper and printed it. Four thousand five hundred, she does not have the statement. Can you pull it up on your phone?

• 1:00:49Speaker 03

  No, I got blocked.

• 1:00:51Caleb Hammer?

  What is wrong with you in every way?

• 1:00:53Speaker 03

  Are you gonna let me say it?

• 1:00:55Caleb Hammer?

  Well, I really like hearing you not talk, so I try to interrupt you, but I'll give you this moment.

• 1:00:59Speaker 03

  My god. So I got blocked from that one because I was not able to make the monthly payment because...

• 1:01:07Caleb Hammer?

  Well, we could go to [bleep] Emmy.

• 1:01:09Speaker 03

  No.

• 1:01:09Caleb Hammer?

  Not your tits.

• 1:01:10Speaker 03

  Because when I made a purchase, I don't know how or why, but apparently they opened, it opened like a debit card instead of what was my credit card? And it charged that. So I had no idea. Yeah.

• 1:01:24Caleb Hammer?

  Wait, no, no, what? They opened up a debit card instead of a credit card?

• 1:01:29Speaker 03

  Yeah, so I had my credit card already. And then somehow I charged up a debit card with them. I haven't, I didn't know I even had...

• 1:01:37Caleb Hammer?

  Charged up a debit? What is she saying?

• 1:01:39Speaker 03

  Okay.

• 1:01:40Speaker 04

  I don't know, so that's one of the accounts that she handled on her own with the money that she was getting on the side to her own account. So I have no idea. I do, I do remember just seeing statements about it, like past due. And when I talked to her, she said she was gonna get, she was gonna take care of it, but that never happened.

• 1:01:57Caleb Hammer?

  Still confused on what you're trying to say. I'm really, really confused.

• 1:02:02Speaker 03

  I was on PayPal, I was making a purchase.

• 1:02:04Caleb Hammer?

  I'm sorry, listen, here, here's the reality. Here's the reality. When you set yourself off as being the arbiter of girl brain versus boy brain, you are gonna make us as a country repeal the 19th Amendment. You being the [bleep] arbiter of women.

• 1:02:19Speaker 03

  I am not the arbiter of women, by far.

• 1:02:21Caleb Hammer?

  You're really trying to frame it.

• 1:02:23Speaker 03

  Please follow Jessica Crocker, she's better.

• 1:02:28Caleb Hammer?

  Do we know Jessica Cocker?

• 1:02:30Speaker 03

  She's, isn't she one of your representatives, Texas?

• 1:02:32Speaker 06

  It was at this moment that he knew he fucked up.

• 1:02:35Speaker 03

  Oh Jasmine, sorry Jasmine Cocker.

• 1:02:38Caleb Hammer?

  You don't even know the people of the...

• 1:02:39Speaker 03

  She is not my representative.

• 1:02:41Caleb Hammer?

  Not my representative?

• 1:02:42Speaker 03

  Oh, well, sorry.

• 1:02:44Caleb Hammer?

  I don't think.

• 1:02:45Speaker 03

  She's Texas.

• 1:02:46Caleb Hammer?

  Isn't she Houston or something? I don't know. Continue.

• 1:02:50Speaker 03

  Okay, well, I was making a purchase on PayPal, then when I went to check out...

• 1:02:55Caleb Hammer?

  Shakira tickets.

• 1:02:57Speaker 03

  When I went to go check out, it charged a debit card with PayPal that I had no idea I even had or was a option.

• 1:03:05Caleb Hammer?

  While at the same time also lying to him about the overall price.

• 1:03:09Speaker 03

  No.

• 1:03:10Speaker 04

  You lied about the price?

• 1:03:11Caleb Hammer?

  Yes.

• 1:03:12Speaker 03

  No.

• 1:03:12Caleb Hammer?

  She didn't tell Oscar the full price of the tickets, yes.

• 1:03:16Speaker 04

  What the [bleep]? Like, seriously?

• 1:03:19Speaker 03

  I'm sorry, it's just, um, I, I didn't get to see her the first time because my friend was getting married. So this time, I really wanted to go see her and I just wanted to secure the tickets and I wanted four tickets.

• 1:03:31Speaker 04

  So I, I had a great time at the show, but, I mean, I... She, you know, she had set a price and I was like, you know, okay, like, you know, I got to see Messi, so you know, you could see Shakira.

• 1:03:43Caleb Hammer?

  Messi doesn't shake it like her.

• 1:03:46Speaker 04

  But, I didn't know she had lied about the price, I mean, so how much was it?

• 1:03:51Speaker 03

  Sorry.

• 1:03:53Speaker 04

  Yeah, that...

• 1:03:54Caleb Hammer?

  How much was it?

• 1:03:55Speaker 03

  For all three tickets, because we took my daughter, it was 4,500.

• 1:04:00Speaker 04

  What the [bleep]? That's way more...

• 1:04:03Caleb Hammer?

  That's insane!

• 1:04:04Speaker 04

  That's way more than what we had agreed.

• 1:04:07Speaker 03

  And I was pregnant.

• 1:04:10Caleb Hammer?

  That's insane!

• 1:04:12Speaker 04

  Still though, like...

• 1:04:12Caleb Hammer?

  What the [bleep] wrong with you? What did she tell you it was?

• 1:04:15Speaker 04

  It was two, 2,000?

• 1:04:19Caleb Hammer?

  More you have!

• 1:04:21Speaker 03

  But it was Shakira and I don't know what else I'm gonna be able to see.

• 1:04:23Caleb Hammer?

  Shakira!

• 1:04:26Speaker 03

  Hips on mine.

• 1:04:27Speaker 04

  But you're serious? It was four grand?

• 1:04:29Caleb Hammer?

  You're a liar.

• 1:04:30Speaker 03

  Yeah, sorry.

• 1:04:33Speaker 03

  But I didn't get to-

• 1:04:33Caleb Hammer?

  She doesn't give a [bleep]. Dude, why? I'm sorry, I'm sorry. Listen, she... You seem like a fun person to go to the bar with, but not a fun person to live the rest of life with because you're a liar and can't communicate in any way whatsoever.

• 1:04:48Speaker 03

  This is the only time that I-

• 1:04:49Caleb Hammer?

  Why the [bleep] are you with her long-term partnership? I would agree. A friend, maybe you stick it in sometimes, friends with benefits, I'm okay with that. Oh, life partner? Why the [bleep] are you choosing this one?

• 1:05:01Speaker 03

  God.

• 1:05:02Caleb Hammer?

  Oh, she let her roll the collections. Yeah, that's right. Okay, great. She's-

• 1:05:04Speaker 04

  Yeah, that was the-

• 1:05:05Caleb Hammer?

  Champion, hero, hero of us of all. Hero of all of us. The [bleep] speaker of all women.

• 1:05:10Speaker 03

  No, I am not. I am not the speaker of all women. Please do not-

• 1:05:15Caleb Hammer?

  Girls think this way, boys like you think that way.

• 1:05:17Speaker 04

  Yeah, so I did see the statements coming in and I kept telling her and telling her and like, she just never like-

• 1:05:22Caleb Hammer?

  She doesn't listen. She's a strong, independent woman that can't be stronger, independent.

• 1:05:26Speaker 03

  Never said I was an independent woman.

• 1:05:28Caleb Hammer?

  Yeah, that's as clear as day. You wouldn't last a second. You did a year on debt.

• 1:05:34Speaker 03

  I did not do a year on debt.

• 1:05:37Caleb Hammer?

  You literally said you were putting it on debt sometimes.

• 1:05:39Speaker 03

  Like, once or twice, not like all the time.

• 1:05:43Caleb Hammer?

  Once or twice is living it on debt, dude.

• 1:05:45Speaker 03

  Oh my goodness.

• 1:05:46Caleb Hammer?

  You couldn't live on your own. So this thing collections, there's no minimum payment anymore.

• 1:05:51Speaker 03

  No, I have no access to it. I have no idea what it is, where it is, nothing.

• 1:05:56Speaker 04

  It's up in the air. Oh, it'll get herself magically. That's her way of thinking. I'm sure she's gonna come back and bite us [bleep].

• 1:06:05Speaker 03

  I don't know. Like, I tried calling them and I told them I needed access to the PayPal account so I could make payments and they never, like, they were like, "Okay, let me get you over to PayPal." I'm like, "I'm not calling already?"

• 1:06:15Caleb Hammer?

  I will say this for what it's worth, PayPal phone support is absolutely horrendous. Me just trying to log into my PayPal sometimes is [bleep]. No, PayPal is horrible, but-

• 1:06:25Speaker 03

  I tried, I promise I did try.

• 1:06:27Caleb Hammer?

  Okay, this is what I'm getting. This is what I'm getting. I'm getting this from Colton. He's engaged to, may we say, a hot Colombian man. Like, Vera, he puts, "Are you Colombian?"

• 1:06:40Speaker 04

  No.

• 1:06:40Speaker 03

  No.

• 1:06:42Caleb Hammer?

  You're kind of Colombian. He-

• 1:06:45Speaker 03

  Okay, you're kind of Canadian. I'm from Michigan.

• 1:06:48Caleb Hammer?

  Exactly, yeah, I got poutine on the breath dude. Uh, but like, he's like, he's like you but hotter. And, um, and they love Shakira.

• 1:06:57Speaker 03

  Yes.

• 1:06:57Caleb Hammer?

  But they would never pay that much.

• 1:07:00Speaker 03

  Stop lying.

• 1:07:02Caleb Hammer?

  No, he would've gone.

• 1:07:04Speaker 03

  Stop lying. And he met Shakira, so he doesn't have a reason to go.

• 1:07:10Caleb Hammer?

  Well, yeah, he's done, apparently he's like best friends with Trisha Paytas. I didn't even know this, like this, this blows my fucking mind. Like every day I learn new pieces of lore that is crazy. Uh, but, uh, okay. But not even they will go.

• 1:07:26Speaker 03

  Sorry.

• 1:07:27Caleb Hammer?

  No, they're full like the nose Colombian.

• 1:07:31Speaker 03

  Damn.

• 1:07:33Speaker 04

  Again, I had fun at the show, but

• 1:07:35Speaker 03

  I danced on my

• 1:07:36Speaker 04

  not knowing how much it was, but

• 1:07:38Speaker 03

  See, and he was happy, not knowing

• 1:07:40Speaker 04

  I was at the time, not anymore.

• 1:07:42Caleb Hammer?

  Ladies and gentlemen, you know him, you love him from the Hammer Squad and Hammer Elite. We have, you can come here. Uh, a, uh, the, the native Colombian himself.

• 1:07:53Speaker 06

  I'm the host, yes he is.

• 1:07:54Caleb Hammer?

  I need a Colombian score, zero to 10, from Mr. Rico? Oscar.

• 1:08:00Speaker 03

  He is not Colombian.

• 1:08:02Caleb Hammer?

  A Colombian score zero to 10, you can ask a few questions, then give him a score. Zero is no Colombian, 10 is full Colombian.

• 1:08:08Speaker 06

  Full Colombian. What part of Colombia are you from?

• 1:08:11Speaker 04

  Medellin.

• 1:08:12Speaker 06

  Okay, he has an accent, one point. Uh, what's your favorite Colombian food?

• 1:08:17Speaker 04

  Uh, I would take off, uh, yeah.

• 1:08:20Speaker 06

  That's a lot of thinking, minus one point. What's your favorite part about Colombia?

• 1:08:24Speaker 04

  My favorite part, uh, the places, the people.

• 1:08:27Speaker 06

  That's minus one point.

• 1:08:30Speaker 06

  Now, the Colombian accent is known to be one of the best Spanish accents. Can you give me a few Spanish words?

• 1:08:36Speaker 04

  Uh, I just know chimba.

• 1:08:38Speaker 06

  Minus one point, he's already at negative two points Caleb.

• 1:08:41Caleb Hammer?

  So is he a zero out of 10?

• 1:08:42Speaker 03

  Don't they say Marica too?

• 1:08:43Speaker 06

  He's a negative two out of 10, one more, soccer, it's a big part of Colombian culture. Who's your favorite Colombian player?

• 1:08:49Speaker 04

  Uh, James Rodriguez.

• 1:08:51Speaker 06

  He gets one more point.

• 1:08:52Caleb Hammer?

  What's he at, what's his overall score, zero to 10?

• 1:08:54Speaker 06

  Negative one out of 10.

• 1:08:55Caleb Hammer?

  Okay. If you want your Hammer Colombian score, go to calebhammer.com forward slash Colombian.

• 1:09:05Speaker 03

  Shouldn't Colton be like the scorer?

• 1:09:09Caleb Hammer?

  Colton takes Colombian dick, he's not Colombian.

• 1:09:13Speaker 03

  Okay, never mind, I don't want you to score that.

• 1:09:15Caleb Hammer?

  Okay, so I guess I can move on if we don't have that and we don't know what it is here now. I'm sure it'll hit your credit collections at some point. What's Desert Financial Credit Union? Okay, we have a credit card with credit union. This wasn't transferred, doesn't look like. Purchased forty-three dollars. What are we purchasing on a card that we cannot fully pay off that is accruing interest? Why the possibly wife?

• 1:09:33Speaker 04

  Ooh, I don't remember what we purchased on it.

• 1:09:35Caleb Hammer?

  It's yours?

• 1:09:36Speaker 04

  Yeah. It's mine. I can't remember. I might want to say it was a visit to the pediatric?

• 1:09:45Caleb Hammer?

  What?

• 1:09:46Speaker 04

  The pediatrician?

• 1:09:47Caleb Hammer?

  A co-pay? Perhaps? Oh, the forty-three dollars. Why is the balance so high?

• 1:09:53Caleb Hammer?

  What is it? What's going on with this card?

• 1:09:55Speaker 04

  Well, that's one of the ones I transferred over to the to the Discover.

• 1:09:59Caleb Hammer?

  And there's still a balance?

• 1:10:01Speaker 04

  Yeah.

• 1:10:02Caleb Hammer?

  To me. Hey, this lower balance now of four thousand three hundred and thirty dollars and one cents. Uh, that has a minimum payment of a hundred fourteen dollars. How long does it take to pay off if we do minimum minimum monthly payments only without any purchases?

• 1:10:15Speaker 04

  Like ten years? How do I want to say? Like ten years?

• 1:10:20Caleb Hammer?

  Eleven. Yeah, eleven. Twenty-seven year old. Twenty-eight year old is what your kid will be.

• 1:10:26Speaker 03

  Is that what you bought the robot on?

• 1:10:28Caleb Hammer?

  Robot?

• 1:10:29Speaker 03

  The secret?

• 1:10:29Caleb Hammer?

  What are you buying?

• 1:10:30Speaker 04

  Yeah.

• 1:10:31Caleb Hammer?

  What? What are you buying? Robots?

• 1:10:33Speaker 04

  It was a cleaning robot.

• 1:10:35Speaker 03

  The secret robot.

• 1:10:36Caleb Hammer?

  Cleaning robot?

• 1:10:37Speaker 04

  Yeah, it's a cleaning robot. Yeah.

• 1:10:39Caleb Hammer?

  They're not seven thousand dollars.

• 1:10:40Speaker 04

  It wasn't that brand. Wait, no, it wasn't. It wasn't the full amount. That wasn't the full amount.

• 1:10:45Caleb Hammer?

  But you guys are like known for being very good at cleaning?

• 1:10:49Speaker 03

  It sweeps and mops.

• 1:10:52Caleb Hammer?

  I know what else sweeps and mops? Women!

• 1:10:57Caleb Hammer?

  In fact, today is Thursday. There's a few of you in my house right now getting to work.

• 1:11:06Speaker 03

  It does help a lot because it's so dusty. So it does help like cleaning.

• 1:11:10Speaker 04

  So I got it because knowing that the baby was on the way and then we have dogs. I don't want like, you know, dog hair flying all over the place.

• 1:11:18Caleb Hammer?

  Oh, Chipotle. Bad Mexicans. Bad Mexicans, guys. This is bad. You may as well have just gone to Taco Bell. What is this?

• 1:11:28Speaker 04

  Oh, Chipotle is good.

• 1:11:30Caleb Hammer?

  Tex-Mex to the core, though.

• 1:11:32Speaker 04

  It's good. It comes in.

• 1:11:33Caleb Hammer?

  It is good. It's just, oh, you've had a late fee this year. Know that? Yeah. Do you know he's had a late fee on his credit card that you want to combine?

• 1:11:41Speaker 03

  Nope.

• 1:11:41Caleb Hammer?

  In a husband way? What's your thoughts on him having a late fee?

• 1:11:45Speaker 03

  Uh, not gonna say anything because I probably have some too.

• 1:11:48Caleb Hammer?

  No, what's your thoughts?

• 1:11:50Speaker 03

  That I have some too, so I can judge him.

• 1:11:52Caleb Hammer?

  You ever meet someone in?

• 1:11:55Speaker 00

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• 1:12:19Caleb Hammer?

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• 1:13:04Caleb Hammer?

  Four out of five employers who post get quality candidates within the first day. And right now, you can try it for free at ziprecruiter.com/caleb. That is ziprecruiter.com/caleb. ZipRecruiter, the smartest way to hire. Listen, I'll let you guys use the Fizz card individually. You can get that. It's a debit card that builds credit. So you can do that. It only lets you spend what's in your checking account because you obviously overspend dramatically every month, every day, every week, every way we do it. Oh, it was a $900, $800 stupid cleaning robot. It's so dumb. Listen, I'll get you a course career certification as well. So that you can get into a new career field, make some more money. A lot of people in the audience have used it very successfully.

• 1:13:42Speaker 03

  Yeah.

• 1:13:43Caleb Hammer?

  And there's a massive discount, obviously, link below, but um. This crazy $500 in interest, late fee, interest to create, I'm Chipotle! And I guess, I mean, you guys still buying things behind your back, like you bought the robot behind her back.

• 1:13:55Speaker 03

  And a TV.

• 1:13:56Caleb Hammer?

  And then you bought a TV behind her back.

• 1:13:58Speaker 04

  Yeah, I mean.

• 1:13:59Caleb Hammer?

  Why? Why is this like lying about the concert tickets, doing the TV behind your back, all this bull

• 1:14:04Speaker 04

  But I mean, those are small purchases compared to Shakira tickets.

• 1:14:08Caleb Hammer?

  Sure, if we're doing compare and contrast, but it is still substantial money that you do not have.

• 1:14:13Speaker 04

  But like, we get more use out of, you know, like, a robot that cleans like, on a daily basis versus, you know, going to a one-time thing, like.

• 1:14:21Speaker 03

  But it was an experience.

• 1:14:22Speaker 04

  Yeah, but $4,000, yeah, we.

• 1:14:24Caleb Hammer?

  I mean, I relatively agree. I hope in the near future, I get also a lot of uses out of robots. Okay?

• 1:14:31Speaker 04

  But yeah, you should get one too.

• 1:14:33Caleb Hammer?

  Well, that's not the robot I was thinking about.

• 1:14:35Speaker 03

  Gross.

• 1:14:36Caleb Hammer?

  But either way, I can afford it.

• 1:14:39Speaker 04

  But again, it does a really good job. It cleans. It cleans, it keeps the house like nice, you know, like.

• 1:14:45Caleb Hammer?

  Oh, that's okay. You just can't afford it. I want you to get it. I want you to go to Shakira. I want you to do all this stuff. You don't have an emergency fund and now you guys are You guys are in this situation because you never sacrificed while you actually made money. You just lived the, I'm making money, so I'm gonna blow it all.

• 1:15:00Speaker 03

  So that's why we wanna start, like, I told him, I want to, like, start coming up with a real plan that, where can I get out of debt?

• 1:15:07Caleb Hammer?

  And I'm gonna interrupt you, I get that, but then when you guys talk about budgeting, you don't agree on anything.

• 1:15:13Speaker 03

  Well, this is the, I think this year we have finally, like, kinda like.

• 1:15:17Caleb Hammer?

  This year, it's the 10th of month.

• 1:15:21Speaker 03

  Okay, this couple of past months, we have finally, like, started to, like, got more serious about it and like.

• 1:15:28Caleb Hammer?

  What does that look like? Because when I, when the first thing I heard basically in this conversation is he, last month, tried to sit down and budget with you and it just didn't work.

• 1:15:36Speaker 03

  Okay.

• 1:15:36Caleb Hammer?

  It was just a complete failure.

• 1:15:38Speaker 03

  Okay, I will say that I'm also having, like, mommy brain and sometimes, like, I'm all like.

• 1:15:42Caleb Hammer?

  Mommy brain, girl brain, all the brains, except for any personal responsibility, apparently.

• 1:15:46Speaker 03

  I'm like running on fumes, like zombie mode, like, I sometimes don't even like, like, one time I woke up.

• 1:15:52Caleb Hammer?

  Part of it, but you know, you just have to sit down once a month to just start this, once a month. To start it, once a month, a couple hours.

• 1:15:59Speaker 03

  Okay, true.

• 1:15:59Caleb Hammer?

  Get some BBs, you're no longer pregnant anymore, just glug it, actually, well, breastfeeding. Okay, never mind. Go out and have a nice little meal, but then bring your little things and just like have some fun. Make it a fun thing. I will allow you guys to spend money.

• 1:16:14Speaker 03

  If we go to the bar, if we go to the bar, I would be more inclined to do.

• 1:16:19Caleb Hammer?

  But you can't drink.

• 1:16:19Speaker 03

  But I can watch sports.

• 1:16:21Caleb Hammer?

  No, I need you to focus up. I want us to have fun with whatever we're consuming, but you need to be focused in the conversation.

• 1:16:26Speaker 03

  I am very good at like multitasking.

• 1:16:29Caleb Hammer?

  Really? Cause you haven't been able to task on one thing this conversation.

• 1:16:33Speaker 03

  Yes, I have.

• 1:16:37Caleb Hammer?

  Okay. I, I mean, I don't know. Okay, Platinum Plus, who couldn't give the statement for the thing that I could pull a statement for? Good, pull it up on your phone.

• 1:16:46Speaker 04

  You can't pull a statement.

• 1:16:50Speaker 04

  I tried.

• 1:16:51Caleb Hammer?

  Uh huh.

• 1:16:51Speaker 03

  He's not tech savvy, sorry.

• 1:16:53Caleb Hammer?

  Were you guys born in the US?

• 1:16:55Speaker 03

  No, we are dreamers.

• 1:16:58Caleb Hammer?

  Oh, brought here as children. How old are you?

• 1:17:00Speaker 03

  I was nine.

• 1:17:02Caleb Hammer?

  You?

• 1:17:03Speaker 04

  Oh, I was five, five years old.

• 1:17:05Caleb Hammer?

  Wow.

• 1:17:08Caleb Hammer?

  Well done.

• 1:17:09Speaker 03

  And we're both from Mexico City.

• 1:17:12Caleb Hammer?

  A lot of people are going there these days?

• 1:17:14Speaker 03

  So pretty. I wish we could go back one day.

• 1:17:18Caleb Hammer?

  Well, no, white people are, white people are moving there like crazy. People in Mexico City are very upset at it.

• 1:17:25Speaker 04

  I heard that they don't want them over there. There's like a protest.

• 1:17:28Caleb Hammer?

  And.

• 1:17:30Speaker 03

  Look at that, generating statements.

• 1:17:33Speaker 04

  There was no statement available. I had to screenshot it.

• 1:17:38Speaker 04

  And then I don't even think it let me screenshot it.

• 1:17:40Caleb Hammer?

  Is this another balance transfer?

• 1:17:44Speaker 04

  Yeah.

• 1:17:45Caleb Hammer?

  So we've done double.

• 1:17:46Speaker 04

  Yeah. So I put three cards into two cards.

• 1:17:52Speaker 04

  It also helped with like trying to keep it organized for the month. Instead of having three payments, just having two.

• 1:18:00Caleb Hammer?

  I will say, because I know immigration is such a hot button topic right now. In a non-controversial way, because obviously every country chooses. Or I guess, you know, wants to choose who is coming in and out. You're the fucking like, you're the fucking dude, because we have a declining birth rate. If people are gonna come here, I want you. This dude's coming here, working forty, fifty, sixty hours a week, grinding. Adding the population increase, you know, that's what I like. I like people who are fucking coming in. And then they're like, oh, I love America. I'm gonna work and, you know, contribute to the overall culture. I love that.

• 1:18:41Speaker 03

  Good job.

• 1:18:41Speaker 04

  Thank you.

• 1:18:42Caleb Hammer?

  You.

• 1:18:43Speaker 03

  Stop. You're so bad.

• 1:18:46Caleb Hammer?

  No, you're okay.

• 1:18:47Speaker 03

  I promise, I've always had a job. I'm a hard worker.

• 1:18:49Caleb Hammer?

  We've always gotten fired from our job.

• 1:18:51Speaker 03

  Just this past couple of years, because I had really hard losses. I promise.

• 1:18:55Caleb Hammer?

  Are you guys protected right now?

• 1:18:57Speaker 04

  Yeah.

• 1:18:58Caleb Hammer?

  Currently?

• 1:18:59Speaker 04

  We have a work permit that we have to renew every two years.

• 1:19:03Speaker 03

  Yeah.

• 1:19:03Speaker 04

  As long as we don't get like any felonies or tax evasions, anything like that, then. I'll pay my taxes. I'll pay my taxes.

• 1:19:11Speaker 03

  We pay taxes every year.

• 1:19:12Caleb Hammer?

  Be careful.

• 1:19:12Speaker 04

  We'll be good.

• 1:19:13Caleb Hammer?

  Be careful. Yeah, these balance transfers, what's the minimum payment on this thing?

• 1:19:18Caleb Hammer?

  Do you even know?

• 1:19:18Speaker 04

  Forty-two.

• 1:19:20Caleb Hammer?

  Oh, my gosh, this is never gonna be paid off. And we're just taking those five percent fees forever. Why, why, why will it be? Because that's you're a transfer, you're not a payer. Why can you sit here and tell me?

• 1:19:32Speaker 04

  Again, it was just to make room for the.

• 1:19:34Caleb Hammer?

  I understand why, but why are you, how are you able to tell me that it will be paid off? When all you ever do is transfer, not actually make progress?

• 1:19:42Speaker 04

  Because.

• 1:19:45Speaker 04

  I mean, I

• 1:19:46Caleb Hammer?

  I mean, thank you for fueling our economy by coming to the country and then spending money you don't have in consumer debt. You're keeping people alive and paying the bills.

• 1:19:55Speaker 04

  Well, I feel like if, if, if, once she goes back to working and, you know, eventually we can sit down and make a budget, we'll start paying them off.

• 1:20:03Caleb Hammer?

  No, no, no, no, no. Should we not sit down and make a budget when things are harder more than anything?

• 1:20:08Speaker 04

  No, yeah, for sure. But I'm saying like, I, I still don't think she's gonna be, you know, like, I don't. I think we're gonna have a, a struggle with like, getting on the same page financially just because of how she wants to work it and how I want to do it.

• 1:20:21Caleb Hammer?

  If you've been here since five, weren't you raised? No, like, wasn't most of the language development skills done around?

• 1:20:28Speaker 03

  On a daily.

• 1:20:29Caleb Hammer?

  Yeah, he speaks Spanish, but an accent. Your, your language skills were raised in the United States.

• 1:20:34Speaker 04

  I mean, I don't know. That's just how it is. I mean.

• 1:20:37Caleb Hammer?

  I'm vibing with it.

• 1:20:38Speaker 04

  I mean, in my house, like.

• 1:20:40Caleb Hammer?

  You don't know he has an accent?

• 1:20:41Speaker 03

  I don't hear it, no.

• 1:20:43Caleb Hammer?

  He has an accent, right? Yeah, he has an accent. Sounds like crazy. A little.

• 1:20:47Speaker 03

  Yeah.

• 1:20:48Caleb Hammer?

  A little, but also you, I mean, you, you came later.

• 1:20:52Caleb Hammer?

  At nine?

• 1:20:53Speaker 03

  Yeah.

• 1:20:53Caleb Hammer?

  I mean, so you had some of your language skills developed in Mexico.

• 1:20:56Speaker 03

  Mm-hmm.

• 1:20:58Caleb Hammer?

  This is interesting. It's not a bad thing. This is very interesting. Five and nine are different, but like, you know, that's where a lot of the language skills, primary education, started around five. It's just like, huh.

• 1:21:07Speaker 03

  We speak mostly Spanish, so.

• 1:21:09Speaker 04

  Yeah, we're trying to teach our, our daughter Spanish first. Cause she's gonna, she's gonna learn English anyways through like, school, you know?

• 1:21:15Caleb Hammer?

  Mm-hmm. Mm-hmm. Okay. PayPal credit. Yours?

• 1:21:20Speaker 03

  Yeah.

• 1:21:21Speaker 04

  Yeah.

• 1:21:22Caleb Hammer?

  Okay, yeah, interest accruing eighty-two dollars, fourteen cents. No purchases. Take four.

• 1:21:30Speaker 04

  Yeah.

• 1:21:30Caleb Hammer?

  Hundred twenty-two dollar minimum payment, four thousand forty-one dollars and thirty-eight cents. Thirty point three eight percent interest. This is brutal, dude. This is.

• 1:21:40Caleb Hammer?

  Someone's interest free but but it's accruing deferred interest and that's gonna be a ton of money and that is already passed. Wait, no wait, one second, one second. No, it's not. In a couple of months it will though. Couple of months.

• 1:21:53Speaker 03

  What's the remaining balance on that?

• 1:21:55Caleb Hammer?

  Hmm, uh, almost 700 bucks.

• 1:21:58Speaker 03

  Oh, that's not bad.

• 1:21:59Caleb Hammer?

  Okay, well, you guys are spending more money than you have.

• 1:22:02Speaker 03

  Well, maybe we can pay it off fast.

• 1:22:04Caleb Hammer?

  And this is the Miami trip, right?

• 1:22:05Speaker 04

  Yeah, so it was split in two.

• 1:22:08Caleb Hammer?

  Oh, your mom for the trip too? 1400 bucks?

• 1:22:11Speaker 04

  I guess it was split in three.

• 1:22:12Caleb Hammer?

  Oh, what are we doing? What are we doing?

• 1:22:16Speaker 03

  So, I will say.

• 1:22:18Speaker 04

  It was, I, we were kind of forced to go. I mean, I wanted to go, but we were kind of forced to take a longer vacation. Cause I was just gonna, like, our intentions were just to go see the game come back.

• 1:22:32Speaker 03

  Yeah, like a three day thing.

• 1:22:34Speaker 04

  But then.

• 1:22:34Caleb Hammer?

  That's great. Why does the future of your household not supersede seeing a fucking game?

• 1:22:41Caleb Hammer?

  I just don't get it. Like, I want you to have fun. I want to go have fun. It doesn't supersede my entire life, though.

• 1:22:46Speaker 03

  Well, I was working then and we did kind of have some money set aside, but then his mom decided that she wanted to make it a family trip. So it turned into like everyone going, so we had to take our kids. And we made it a week long trip.

• 1:23:03Speaker 04

  Yeah, we were just planning on doing the weekend, but then, you know, she.

• 1:23:06Speaker 03

  We did have the money for that, but because they turned it into a family trip.

• 1:23:10Caleb Hammer?

  Money you had to borrow for this. You couldn't afford it regardless. No matter what, in the end, you could not.

• 1:23:14Speaker 04

  But we did have fun, though, and.

• 1:23:16Caleb Hammer?

  And this is, this is what's troubling. You guys can't agree on how to budget and you both are totally okay with this. You're totally okay with this. So how does that mean when you leave, you're not just gonna fuck it all the same way? Like, look at this, you're totally okay with this.

• 1:23:28Speaker 04

  Cause now we don't have the second income. So now we, I mean, we can't. Before we had the income to where.

• 1:23:33Caleb Hammer?

  You bought an $800 costume for Deadpool versus Wolverine on this. $800.

• 1:23:38Speaker 04

  Yeah.

• 1:23:39Speaker 03

  Yeah.

• 1:23:39Caleb Hammer?

  What the are you?

• 1:23:41Speaker 03

  And he didn't wear it for Halloween last year. I told him to.

• 1:23:44Caleb Hammer?

  What is wrong with you?

• 1:23:46Speaker 03

  And this year he should wear it.

• 1:23:47Speaker 04

  Something I wanted to do with my brother is like.

• 1:23:49Caleb Hammer?

  Eight hundred dollars?

• 1:23:51Speaker 04

  Yeah, but it was like, you know, like it was something that we're both fans of like the movie and so.

• 1:23:57Caleb Hammer?

  Yes.

• 1:23:57Speaker 04

  You know, he wanted to dress up. So I was like, I'll do it too. You know, like.

• 1:24:01Speaker 03

  He was Wolverine.

• 1:24:02Caleb Hammer?

  Eight hundred dollars?

• 1:24:03Speaker 03

  And he looked really good in it.

• 1:24:04Speaker 04

  But it was a nice suit. Like a nice costume.

• 1:24:07Caleb Hammer?

  Sure, this is.

• 1:24:09Speaker 04

  Yeah, but I mean, we had fun and we took a lot of pictures with strangers and.

• 1:24:14Speaker 03

  Oh, yeah.

• 1:24:14Speaker 04

  We just had a good time.

• 1:24:15Caleb Hammer?

  Oh, yeah, that's where they hundred dollars.

• 1:24:16Speaker 04

  I mean, we were thinking of charging, but.

• 1:24:19Caleb Hammer?

  Yeah, okay, good. Yeah, good luck.

• 1:24:21Speaker 04

  Everyone was asking for a picture.

• 1:24:23Caleb Hammer?

  Who has Desert Financial again? Who has another Desert Financial credit card?

• 1:24:27Speaker 04

  Mine.

• 1:24:27Caleb Hammer?

  Okay, almost all the debts yours so far, by the way, except for the PayPal that she never paid.

• 1:24:31Speaker 04

  Put mine on top. That's all it is.

• 1:24:33Speaker 03

  But I will say.

• 1:24:34Caleb Hammer?

  They usually put the crazy ones on top.

• 1:24:36Speaker 03

  We do pay both of them. We did charge on most of them. We did charge on most of them, both of us.

• 1:24:42Caleb Hammer?

  The balance went up. It went from two thousand seven hundred and fourteen to three thousand eighty-six.

• 1:24:46Speaker 04

  It did?

• 1:24:47Caleb Hammer?

  It did. With a minimum monthly payment of eighty-six dollars, you purchased four hundred and thirty dollars and seventy-one cents. While interest screwed up forty-five dollars and three cents.

• 1:24:56Speaker 04

  Four hundred.

• 1:24:57Caleb Hammer?

  DP or Da Prim. Yogi Grill. Raising Canes. And then Pediatric, but that's okay. I wouldn't put it on a credit card, but.

• 1:25:10Caleb Hammer?

  Home Depot, be careful.

• 1:25:12Speaker 03

  He loves Home Depot.

• 1:25:14Caleb Hammer?

  I know.

• 1:25:15Speaker 03

  He can be there hours just walking around where I'm like, okay, what do you need? I O nineteen, let's go. What do you need? I O eleven, let's go. And he hates going to Home Depot with me.

• 1:25:24Speaker 04

  It's good. Okay, so I like to do things around the house.

• 1:25:27Caleb Hammer?

  Boring. Ah, then cafes, DuPont, and then voodoo.com Fandango.

• 1:25:32Speaker 04

  Oh, yeah.

• 1:25:33Caleb Hammer?

  Eight hundred dollars in interest this year. Is this close?

• 1:25:35Speaker 03

  Those are movies that we can make a. We can make a home movie. Night instead of going to the movie.

• 1:25:41Caleb Hammer?

  Yeah?

• 1:25:42Speaker 03

  So we.

• 1:25:43Caleb Hammer?

  You, you don't have money.

• 1:25:44Speaker 03

  We save money.

• 1:25:45Caleb Hammer?

  You don't have money. YouTube is free.

• 1:25:47Speaker 03

  They don't have movies in there.

• 1:25:48Caleb Hammer?

  Who is Discover It?

• 1:25:49Speaker 03

  That's mine.

• 1:25:50Caleb Hammer?

  Okay, you purchased sixty-one bucks on a card you can't pay off. That interest is accruing. Takes seven years to pay off if you don't purchase. Why the fuck?

• 1:25:56Speaker 04

  How much did she purchase?

• 1:25:57Caleb Hammer?

  Sixty-one, thirty-seven.

• 1:25:59Speaker 04

  That's not too bad.

• 1:26:00Caleb Hammer?

  It doesn't, what, it doesn't, that's not the difference. It still takes seven years till she's not purchasing. So this is gonna take forever now, infinity.

• 1:26:07Speaker 03

  Does it show what I purchased?

• 1:26:08Caleb Hammer?

  Yes, I was hoping you might have a little insight first.

• 1:26:11Speaker 03

  No.

• 1:26:12Caleb Hammer?

  Great, cuz, guys, I don't think you're gonna live, I don't think you're gonna make it because you're taking this all as a joke.

• 1:26:19Speaker 04

  Well, it's just been a stressful few past months. I mean, with the baby and everything, her not working, and so it's like, you know, it's like, if we have to put things on the credit card, then like, what else can we do?

• 1:26:30Caleb Hammer?

  Well, it was Amazon and Culvers.

• 1:26:32Speaker 04

  Oh.

• 1:26:33Speaker 03

  Oh.

• 1:26:33Caleb Hammer?

  So die. Like, this is bull, it's all fuck you, bull.

• 1:26:38Speaker 04

  But the Amazon could have been for a baby.

• 1:26:39Caleb Hammer?

  Okay, pull up your Amazon.

• 1:26:41Speaker 03

  Um, and the Culvers, the Culvers, I think it was because I was driving by and I didn't have my wallet on me, so I just tapped it.

• 1:26:48Caleb Hammer?

  You can't afford it regardless if it was on credit, you dumb tit, you have debt, you have a hundred and thirty thousand dollars of bad debt. Hundred thirty thousand dollars of bad debt, I don't give a fuck.

• 1:26:59Caleb Hammer?

  Now I have a Wells Fargo Cash Visa, whose is this?

• 1:27:04Speaker 04

  Oh, that one's mine.

• 1:27:06Caleb Hammer?

  And back to mostly you. Why is the one so fucked? Cuz she seems like she is, like mentally, but you're, you know.

• 1:27:17Speaker 03

  See, I try not to have a lot of credit cards.

• 1:27:19Caleb Hammer?

  Why are you the one in the finances with the worst finances?

• 1:27:22Speaker 04

  Because banks love me? I don't know.

• 1:27:25Caleb Hammer?

  They really do, you make them a ton of money, but why are you, I'm saying for the household, the one running the finances, if you're the one that is objectively so far the worst, including bullfucking so far.

• 1:27:35Speaker 04

  I don't know, I, I feel like I, I look at the numbers, so I think I'm, I'm, I'm, I'm okay to, you know.

• 1:27:43Caleb Hammer?

  Why do you think he's fucked up? Why, why is he the one in control of finances? Why?

• 1:27:47Speaker 03

  Because he doesn't wanna do it my way. He doesn't wanna do it my way.

• 1:27:51Caleb Hammer?

  So you, when you guys sat down and discussed who's doing finances essentially, you just gave it to him cuz he didn't wanna do it your way?

• 1:27:59Speaker 03

  No, it was mostly like I relinquished control over time and he just took over, basically.

• 1:28:04Caleb Hammer?

  Okay, well, it's a forty-one dollar minimum payment, seventeen years to pay off! Hundred sixty-one dollars of purchases! Uh, this, this one is pediatric, again, I would rather it be on debit, but even still, gross total balance until, now, not that many months from now, like five. So that'll start accruing interest. There's no deferred interest, but it is chunky. Okay, who's the Bank of America?

• 1:28:30Speaker 03

  Wait, what was that for?

• 1:28:32Caleb Hammer?

  That was Wells Fargo.

• 1:28:33Speaker 04

  Yeah, on the Wells Fargo, the balance was to like help out my sister.

• 1:28:40Caleb Hammer?

  Oh, the overall balance?

• 1:28:40Speaker 03

  For the bankruptcy?

• 1:28:42Caleb Hammer?

  For the bankruptcy? You guys are headed to bankruptcy.

• 1:28:45Speaker 03

  Why did you have to help her for it?

• 1:28:47Speaker 04

  Well, I mean, you know, I went with her to like go see to like a bankruptcy lawyer.

• 1:28:50Speaker 03

  But she doesn't, she doesn't care how much she spends. If you think I'm bad, she's worse. She doesn't care how much she spends. She's always like doing a bunch of things. She doesn't even do things like for the kids, so. And she like takes out cards that she can't even afford. So why are you helping her with the bankruptcy?

• 1:29:07Speaker 04

  Because she's my sister and I mean, I.

• 1:29:09Speaker 03

  Okay, but I'm not giving my sister.

• 1:29:11Speaker 04

  She had like a lawsuit on her hand. So it was like.

• 1:29:14Speaker 03

  Okay, my sister had one too and I didn't have to help her.

• 1:29:16Speaker 04

  Bell her out and you know, like I had that card.

• 1:29:18Speaker 03

  But she has a husband and she lives rent free with your parents.

• 1:29:22Speaker 04

  Yeah, but.

• 1:29:23Caleb Hammer?

  What?

• 1:29:23Speaker 03

  Yes.

• 1:29:25Speaker 00

  This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a 50-page restoration blog, or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up required. Compatibility and availability varies 18 plus.

• 1:29:51Speaker 04

  Yeah, but like.

• 1:29:52Caleb Hammer?

  And yet you put thousands on a credit card?

• 1:29:53Speaker 03

  Yeah, why?

• 1:29:55Speaker 04

  Well, because I.

• 1:29:56Caleb Hammer?

  I'm okay with helping.

• 1:29:57Speaker 04

  I just wanted to help her out and like.

• 1:29:58Speaker 03

  Yeah, but we help them in other ways.

• 1:30:00Caleb Hammer?

  Yeah, but I think this wasn't helping. I think this was enabling.

• 1:30:02Speaker 03

  Yeah. She does, she has no responsibility of finances whatsoever. If I'm bad, she's like 10 times worse.

• 1:30:09Caleb Hammer?

  Oh, wait, you didn't even give her money. You just gave the card to her sis- to your sister and she just ran it off.

• 1:30:13Speaker 03

  That's crazy.

• 1:30:14Caleb Hammer?

  That's fucking wild.

• 1:30:16Speaker 04

  I mean.

• 1:30:18Caleb Hammer?

  Dude.

• 1:30:18Speaker 04

  I like to help my family.

• 1:30:20Caleb Hammer?

  Yeah, but you're enabling her spending.

• 1:30:21Speaker 03

  Your mom has bailed her out so many times. So many, she bailed her out $10,000 and she went and racked up everything again.

• 1:30:31Speaker 04

  I don't know, it's just when a sibling comes, you know, asking for help.

• 1:30:34Caleb Hammer?

  Of course, but she hasn't changed her behavior. She's been bailed out a thousand times, it sounds like.

• 1:30:38Speaker 03

  And she doesn't pay rent, she doesn't have like big expenses other than her car and she has a husband.

• 1:30:44Speaker 04

  I mean, she did say she was gonna pay me back when she got her like tax money.

• 1:30:47Caleb Hammer?

  And how many times has she told that to her parents that have been bailed out?

• 1:30:50Speaker 03

  Yeah.

• 1:30:51Speaker 04

  I don't know.

• 1:30:51Caleb Hammer?

  I mean, that's the thing.

• 1:30:52Speaker 03

  At least twice.

• 1:30:53Caleb Hammer?

  Sometimes someone actually help, actually helping someone is them learning for the first time ever.

• 1:30:59Speaker 03

  That's the answer. Like, you're gonna help her, you can't even buy me a ring?

• 1:31:03Caleb Hammer?

  Okay, well, I don't think he wants to marry you.

• 1:31:07Speaker 04

  I do wanna marry her, but it's, that's down the line.

• 1:31:10Speaker 03

  That's the answer.

• 1:31:11Caleb Hammer?

  I'm kidding. How old is she?

• 1:31:13Speaker 03

  She's older than her, than him.

• 1:31:15Caleb Hammer?

  She needs to learn the skills herself, or she's never gonna make it ever.

• 1:31:19Speaker 03

  She lives rent-free.

• 1:31:22Caleb Hammer?

  Who is the Bank of America?

• 1:31:24Speaker 03

  That one's probably mine.

• 1:31:25Caleb Hammer?

  Well, minimum monthly payment forty-six dollars, balance one thousand five hundred and one dollars, seven years to pay this off.

• 1:31:31Speaker 03

  That was a balance transfer.

• 1:31:33Caleb Hammer?

  Well, interest is accruing, so you've had a late fee this year.

• 1:31:36Speaker 03

  Yeah.

• 1:31:36Caleb Hammer?

  There it is.

• 1:31:37Speaker 03

  Mommy brain.

• 1:31:38Caleb Hammer?

  No, come on.

• 1:31:39Speaker 03

  Yes, I literally forgot.

• 1:31:40Caleb Hammer?

  So every mother has late fees.

• 1:31:42Speaker 03

  I'm not saying that.

• 1:31:43Caleb Hammer?

  Shut the f*** up, that is not, shut up.

• 1:31:45Speaker 03

  I'm saying I have foggy brain.

• 1:31:47Caleb Hammer?

  That's okay, set up minimum, minimum monthly payments.

• 1:31:50Speaker 03

  Automatic payments? I can't because sometimes I don't know.

• 1:31:53Caleb Hammer?

  Exactly, because you don't budget, because it's all down the line. When you don't do the primary, normal, main, easy thing, relatively easy, all of a sudden, nothing works down the line. This is how this, that's how it goes.

• 1:32:04Speaker 03

  Okay.

• 1:32:06Caleb Hammer?

  Sephora, who's Sephora?

• 1:32:07Speaker 03

  Mine, I bought my daughter, um, Kendrick and SZA tickets.

• 1:32:14Caleb Hammer?

  On Sephora?

• 1:32:16Speaker 03

  For her birthday slash Christmas gift.

• 1:32:20Caleb Hammer?

  Dude, okay, so she's gonna be okay with not getting anything for Christmas?

• 1:32:23Speaker 03

  Well, this was last past Christmas.

• 1:32:25Caleb Hammer?

  Oh my, you're gonna die.

• 1:32:27Speaker 04

  I was not okay with that, especially after having, like, coming from a big purchase that we did on her as well.

• 1:32:33Speaker 03

  What big purchase?

• 1:32:34Speaker 04

  Her quinceañera.

• 1:32:35Speaker 03

  Oh, yeah.

• 1:32:36Speaker 04

  Like, I was not okay.

• 1:32:39Caleb Hammer?

  How much was her quinceañera?

• 1:32:41Speaker 03

  My part was about five to six thousand.

• 1:32:45Caleb Hammer?

  Two thousand? Thousand?

• 1:32:48Speaker 03

  Yes.

• 1:32:49Caleb Hammer?

  What?

• 1:32:53Caleb Hammer?

  What are we doing?

• 1:32:55Speaker 03

  But it should look really pretty.

• 1:32:56Caleb Hammer?

  No. They never do.

• 1:33:00Speaker 03

  Excuse you.

• 1:33:01Caleb Hammer?

  Oh, it's always over the top. Too, this is, this is, it's too much. It's too much. It's too gaudy. It's, no.

• 1:33:08Speaker 03

  You're too much.

• 1:33:09Caleb Hammer?

  Yes. But I embrace it.

• 1:33:12Speaker 04

  But it's like Mexican culture.

• 1:33:14Speaker 03

  Yeah.

• 1:33:14Caleb Hammer?

  And I'm so glad I'm not having a Mexican child because that sounds expensive when you hit sixteen.

• 1:33:18Speaker 03

  You're not a woman.

• 1:33:20Caleb Hammer?

  Huh?

• 1:33:20Speaker 03

  You're not a woman.

• 1:33:21Caleb Hammer?

  Does the woman have to pay for it?

• 1:33:23Speaker 03

  No, you, only girls do it, not guys.

• 1:33:26Caleb Hammer?

  Yeah, but if I have a Mexican woman child, that'll be in a quinceañera at sixteen.

• 1:33:31Speaker 04

  Fifteen.

• 1:33:32Caleb Hammer?

  Fifteen?

• 1:33:33Speaker 03

  Yeah.

• 1:33:34Caleb Hammer?

  Well, you got fees and interest on here. You've had two late, three, four late fees this year. So she's had four.

• 1:33:40Speaker 03

  I'm sorry.

• 1:33:42Caleb Hammer?

  You're sorry? No, you're not. When people are sorry, they don't do it anymore, you dick.

• 1:33:45Speaker 04

  She keeps me in the dark for a lot of these.

• 1:33:47Caleb Hammer?

  Apparently for everything. You guys keep each other in the dark for everything. This is so stupid.

• 1:33:53Speaker 03

  I kept on forgetting the due date.

• 1:33:56Speaker 03

  I kept on forgetting the due date.

• 1:33:57Caleb Hammer?

  There was four times this year.

• 1:33:58Speaker 03

  I know.

• 1:33:59Caleb Hammer?

  Set a reminder. You, I would forget too if I was trying to remember the date every single month. Set a reminder, you.

• 1:34:05Speaker 03

  I did.

• 1:34:06Caleb Hammer?

  Desert Financial, again, are you back? Do you have three cards with them?

• 1:34:10Speaker 04

  Yeah, I do have.

• 1:34:10Caleb Hammer?

  Oh, for sake. Okay, Desert Financial, what's going on again?

• 1:34:16Speaker 04

  And that one... I don't know, what's the balance on it?

• 1:34:21Caleb Hammer?

  It's much smaller, at two hundred sixty-four dollars and seventy-seven cents.

• 1:34:24Speaker 04

  Oh, I had to put, uh, my vehicle registration on there because I had.

• 1:34:28Caleb Hammer?

  Dude, this is what happens. You guys made money and you do still make money, but you live so much fun that once a need pops up, you have to put it on our credit card because you're undisciplined, you're irresponsible, and you guys are not adults. It's a joke.

• 1:34:40Speaker 04

  But I was planning on having the.

• 1:34:41Caleb Hammer?

  Shut the fuck up. Interest is planning on having the money, then you didn't, and you're doing secure. Shut the fuck up. I don't want to hear it. Quinceañera, fuck you. Late fees this year so far? This is so stupid.

• 1:34:51Speaker 04

  There's a late fee?

• 1:34:53Caleb Hammer?

  Yes.

• 1:34:55Caleb Hammer?

  Yes, there is. Who is the US bank?

• 1:34:58Speaker 03

  That's our joint account.

• 1:35:00Caleb Hammer?

  A joint debt?

• 1:35:01Speaker 04

  No, checking.

• 1:35:02Speaker 03

  Debit.

• 1:35:03Caleb Hammer?

  Okay, well, there's a Mountain Dew. Oh, mortgage.

• 1:35:06Speaker 04

  Yeah, we have the mortgage there.

• 1:35:07Caleb Hammer?

  What the f- your mortgage is 3,627? That's expensive.

• 1:35:11Speaker 04

  No.

• 1:35:11Speaker 03

  No, it's 1,850.

• 1:35:12Speaker 04

  It's 18.

• 1:35:14Speaker 03

  We don't usually pay it on the first, so it, they send us a statement.

• 1:35:18Caleb Hammer?

  Yeah, past due.

• 1:35:19Speaker 03

  Yeah, but it's not past due, but it's not past due.

• 1:35:22Caleb Hammer?

  But it was, and you owe double. That is, what are you doing, guys?

• 1:35:26Speaker 03

  It already got paid.

• 1:35:27Caleb Hammer?

  This is what happens when you budget weekly, though. It just gets so close.

• 1:35:30Speaker 03

  We're not budgeting weekly. He's budgeting monthly.

• 1:35:33Caleb Hammer?

  He's not budgeting. $1,813.91.

• 1:35:39Caleb Hammer?

  Minimum monthly payment.

• 1:35:43Caleb Hammer?

  It, it, it, sorry, that is the minimum. $1,813.91.

• 1:35:50Caleb Hammer?

  And you're on the joint mortgage?

• 1:35:52Speaker 03

  Yes.

• 1:35:53Caleb Hammer?

  4.3, right? We like that. What, what is the balance?

• 1:35:57Speaker 04

  We got it at a good time, but.

• 1:35:59Caleb Hammer?

  Oh, here we go.

• 1:36:01Speaker 04

  I just don't like the house.

• 1:36:02Caleb Hammer?

  Oh, good. 260,631.81. Why don't you like the house?

• 1:36:10Speaker 04

  Cause it doesn't have a pool.

• 1:36:13Caleb Hammer?

  Go to a community pool, dick. A home equity loan? And a Toyota 4Runner?

• 1:36:19Speaker 03

  Yes.

• 1:36:22Speaker 03

  Those are all joint as well.

• 1:36:27Caleb Hammer?

  Oh, why did we get a home equity loan?

• 1:36:30Speaker 04

  To consolidate debt.

• 1:36:32Caleb Hammer?

  80%, and then you didn't consolidate, you racked it up, and then you transferred them. Again, you never pay off debt, you just consolidate, transfer. You guys cannot do another one of these tools, including bankruptcy, until you change your f-king behavior. You can't do any of these shortcuts until you change your behavior, cause you'll just end up with more debt. It happens every episode, and you guys are just continuing that trend.

• 1:36:51Speaker 03

  So no bankruptcy, you said?

• 1:36:52Caleb Hammer?

  No, not until you change your behavior. Cause then you'll end up in the same amount of debt again, and be double f-

• 1:37:01Speaker 03

  Okay.

• 1:37:02Caleb Hammer?

  Oh, you owe 52,281. Do you mean to have any equity anymore?

• 1:37:08Speaker 03

  Yes.

• 1:37:10Caleb Hammer?

  Barely, probably.

• 1:37:10Speaker 04

  I don't know, cause we also, I don't know, cause we also have, uh, uh, solar panels.

• 1:37:18Speaker 03

  Oh, yeah.

• 1:37:21Caleb Hammer?

  I don't even think we have that. We don't have that. What the is wrong with you guys? Minimum payment, three seventy-eight forty. What's your solar panel debt?

• 1:37:30Speaker 04

  Uh, the total debt, I would have to look. I don't even like the house we're getting solar.

• 1:37:35Speaker 03

  So, I have a question for you. Do you know by any chance if the solar panel company is going into bankruptcy?

• 1:37:42Caleb Hammer?

  Huh?

• 1:37:43Speaker 03

  The solar panel company is going bankruptcy.

• 1:37:45Caleb Hammer?

  Yeah?

• 1:37:46Speaker 03

  It's filing bankruptcy.

• 1:37:47Caleb Hammer?

  It's not a school. You're not gonna get it forgiven.

• 1:37:49Speaker 03

  I was just gonna ask, like, what do we do then?

• 1:37:51Caleb Hammer?

  First of all, bankruptcy's a lot of things. They might just be restructuring debt. They might not be going out of business. You don't, you don't know.

• 1:37:56Speaker 03

  Yeah, they're getting bought, bought.

• 1:37:57Caleb Hammer?

  Well, there you go. You're still gonna owe it.

• 1:37:58Speaker 04

  Current balance for it is thirty-three thousand.

• 1:38:03Caleb Hammer?

  Minimum monthly payment?

• 1:38:04Speaker 04

  A hundred sixty-eight a month.

• 1:38:06Caleb Hammer?

  What's your interest?

• 1:38:07Speaker 04

  Uh, it's like one percent, one, two percent, something like that. One point nine-nine.

• 1:38:13Caleb Hammer?

  Forerunner! Whose is it?

• 1:38:16Speaker 03

  Family car?

• 1:38:18Speaker 04

  Well, originally it was gonna be kinda like my car, cuz I have my little, my little beater that I take to work, you know? And she had her, her own.

• 1:38:28Caleb Hammer?

  Why do we need this?

• 1:38:29Speaker 04

  She had her vehicle and, and I wanted a forerunner. So, once we did that, that consolidated.

• 1:38:36Caleb Hammer?

  You did a consolidation, then you got a forerunner?

• 1:38:38Speaker 04

  Yeah.

• 1:38:38Caleb Hammer?

  You guys are a fucking mess. You're the, you're, you're the collection of everything bad with consumerism. Thirty-seven thousand eighty-seven dollars and ninety-six cents at an interest rate of seven percent, not even fucking good. Minimum monthly payment, six hundred seventy-four, working sixty hours a week in order to afford a forerunner. Well done! That's where you are. What do you think it's worth? What do you think it's worth?

• 1:38:56Speaker 04

  Like forty-four?

• 1:38:58Caleb Hammer?

  Forty.

• 1:38:59Speaker 04

  Forty?

• 1:38:59Caleb Hammer?

  So, at least you have an equity position, but for fucking sake, then it paid off Jeter, that's worth seventeen hundred.

• 1:39:05Speaker 04

  Yeah, that's my little beater.

• 1:39:07Caleb Hammer?

  Sell the forerunner tomorrow! I'm not even kidding. Sell it, cuz you might actually make money. Break even for all I care. Get out of that minimum monthly payment, drive, beater, beater, beater.

• 1:39:19Caleb Hammer?

  That's it, I don't give a f**k what? What, what, what, what, what?

• 1:39:23Speaker 04

  Well, my beater's not gonna last me very long. It's already at 200.

• 1:39:26Caleb Hammer?

  And then when we do that, we get a 10,000 hour car. I don't care. Get rid of the forerunner. You're in a blessed position. Rare on this show where you have an equity position. Get out of it tomorrow. It's not, it's not a question. Are you getting out of it tomorrow? Are you getting out of it tomorrow?

• 1:39:40Speaker 04

  Let me answer. I'm thinking of getting outta coma.

• 1:39:42Caleb Hammer?

  Huh?

• 1:39:43Speaker 04

  I'm thinking of getting outta coma.

• 1:39:44Caleb Hammer?

  No, no, no, no, no, nope. You're not getting anything. You're driving the beater until it's dead.

• 1:39:47Speaker 04

  I think I deserve a coma.

• 1:39:48Caleb Hammer?

  I need to make sure you agree with me.

• 1:39:51Speaker 03

  Make him agree.

• 1:39:53Caleb Hammer?

  This is what you are doing or else there is no path here that I'm willing to accept. Cause this is a basic sacrifice and I need to see you're making sacrifices. Or I'm ending this thing now.

• 1:40:02Speaker 04

  Is it negotiable?

• 1:40:04Caleb Hammer?

  No.

• 1:40:04Speaker 04

  Can I maybe work 7 hours?

• 1:40:06Caleb Hammer?

  You are selling this and driving the beater until you, until it's done and the repairs would be stupid.

• 1:40:11Speaker 03

  Wait, wait, wait, but we do need a family car. So get another like beater, right? You said?

• 1:40:16Caleb Hammer?

  Why? Don't you have something, a beater?

• 1:40:18Speaker 04

  No.

• 1:40:19Caleb Hammer?

  Okay, okay, then yes, a 10,000 hour car.

• 1:40:21Speaker 03

  Okay.

• 1:40:21Caleb Hammer?

  10,000!

• 1:40:21Speaker 04

  Where are we gonna get 10,000 from?

• 1:40:23Caleb Hammer?

  When you shop to use, to use, to use. It's not gonna be great. It's gonna be years old, but you get it. You take a look at it everywhere, so ever and get an independent mechanic to look at it as well. Make sure it's safe and it's not gonna take a cost. It's gonna be a two year car. Guys, we're not looking for a generational car. This is a two year car you're getting for 10,000 hours and then you upgrade once we're outta debt. Do you agree to this or no?

• 1:40:42Speaker 04

  Well, what if I?

• 1:40:43Caleb Hammer?

  Agree to it or no?

• 1:40:45Speaker 04

  But our daughter needs a car too.

• 1:40:47Caleb Hammer?

  Nope, no, she doesn't. She can get her own car. She can work and get her own car. Do you agree to it or no?

• 1:40:53Caleb Hammer?

  Agree to it or no?

• 1:40:55Speaker 04

  Can I get a second job?

• 1:40:57Caleb Hammer?

  Agree, no, you already work 60 hours a week. Okay. And that's it. I'm ending this. This is no conversation to be had. I'm ending the episode. If you're not willing to take literally the most basic sacrifice in the one thing you have, there's nothing here and you guys are f**k. And I'm sad to see that. That is f**k sad. And that's, and that's not me wanting to end this cause I'm outraged or anything. If they're not willing to take a single basic f**k step, I'm done.

• 1:41:20Speaker 03

  We have to sh**.

• 1:41:21Caleb Hammer?

  You! Hammer Financial Score, f**k off! Come join us in the post show. I have to do an extra 20 minutes. I get to do, I'm blessed to do an extra 20 minutes. And Hammer Elite, the best membership on YouTube. 3 preview shows posted every single day.

• 1:41:34Speaker 03

  Wait, wait, wait, wait, seriously?

• 1:41:34Caleb Hammer?

  Shut the f**k up! I'm doing my spiel! Good death. What is wrong with you, woman? Toine Hammer Lee! I'll see you in the post-show. You were just spending money behind his back that he didn't even know. You were blowing money that he didn't even know was happening.

• 1:41:47Speaker 04

  I got, you know, like a statement in the mail saying, you know, like, you got a loan for, you know, X amount of money. And I asked her.

• 1:41:55Caleb Hammer?

  The secret loan behind your back?

• 1:41:56Speaker 04

  Yes.

• 1:41:56Speaker 07

  How can you say you've been getting better over the past four years and then take out a loan behind his back?

• 1:42:00Caleb Hammer?

  No, like, seriously, that's a big eye-opener. Yeah, I don't want to [bleep] hear it. Hammer Lee is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise.

• 1:42:21Speaker 05

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